Bookings, Payments, Cancellations and Participation
Last updated: 13 September 2026
These Terms & Conditions apply to yoga classes, coaching, online programmes, group programmes, workshops, masterclasses, retreats, memberships, recordings and other services offered by:
Natalija Fallocca-Bajric
Mühlebachstrasse 64
8008 Zürich
Switzerland
Email: nat@nat.yoga
Website: www.nat.yoga
By booking, purchasing or participating in an offering, you confirm that you have read and accepted these Terms & Conditions.
Any additional terms communicated on the relevant sales page, booking page, invoice or booking confirmation form part of the agreement. If offering-specific terms differ from these general terms, the offering-specific terms take precedence.
1. Nature of the services
I offer services including:
Online and in-person yoga classes
Yoga class passes and memberships
Workshops and masterclasses
Private coaching sessions and coaching programmes
Group coaching and group immersion programmes
Online communities
Retreats
Class and programme recordings
Digital resources and practices
The exact content, duration, dates, location, delivery format and inclusions of each offering are described on the relevant sales or booking page or in the booking confirmation.
2. Booking and formation of the agreement
Your booking constitutes an offer to purchase the selected service.
The agreement becomes binding when:
You receive a booking confirmation;
I confirm your participation in writing;
You make the required payment or deposit; or
You receive access to the service or programme,
whichever occurs first.
You are responsible for providing complete and accurate booking and contact information.
Places may be limited and are allocated according to the conditions communicated for the relevant offering.
I reserve the right to decline a booking where the offering is unsuitable, full or unavailable, or where participation may affect the safety or integrity of the offering or group.
3. Prices and payment
Prices are displayed in the currency indicated on the relevant sales page, booking page or invoice.
Payment is due according to the payment schedule communicated at the time of booking.
Payments may be processed through Stripe, Momoyoga or another payment method identified at checkout.
Any bank, currency-conversion or payment-provider charges are the participant’s responsibility unless otherwise stated.
A place is not secured until the required payment or deposit has been received.
4. Payment plans
Where a payment plan is offered, it is a commitment to pay the full price of the programme or service in instalments. It is not a subscription that can be cancelled at any time.
By selecting a payment plan, you authorise the agreed instalments to be charged on the scheduled dates.
Stopping participation, missing sessions or deciding not to continue does not cancel the remaining payment obligation.
If an instalment fails, I may:
Contact you to arrange payment;
Retry the payment;
Suspend access to sessions, recordings, materials or the community;
Cancel future bookings; or
Request immediate payment of overdue amounts where legally permitted.
Any statutory cancellation or withdrawal rights remain unaffected.
5. Yoga-class bookings and cancellations
This section applies to individual online and in-person yoga classes booked directly or through Momoyoga.
You may cancel a yoga-class booking up to 24 hours before the scheduled starting time.
Where the booking was made using a valid class pass or membership, the class credit will be returned or the booking restored according to the applicable booking system.
Cancellations made less than 24 hours before the class and non-attendance are treated as late cancellations. The class will be deducted from the class pass or charged in full.
Cash refunds are not normally provided for participant cancellations.
If I cannot teach an online class because of illness, emergency or another significant reason, I may:
Arrange for a suitably qualified substitute teacher;
Reschedule the class; or
Provide an equivalent replacement class or recording.
If the class is rescheduled, your booking will automatically apply to the replacement date. If you cannot attend the replacement date, the class credit will be returned so that the class is not lost.
6. Class passes and memberships
Class passes:
Are valid for the period stated at purchase;
Must be used before their expiry date;
Are personal and may not be shared or transferred;
Are non-refundable except where required by law; and
Do not guarantee availability in any particular class.
Unused classes expire at the end of the pass validity period unless an extension has been expressly agreed in writing.
Where a recurring membership is offered, its minimum duration, renewal schedule and cancellation deadline will be shown before purchase.
Cancelling a recurring membership ends future renewals but does not create a right to a refund for a billing period that has already begun.
7. Workshops, masterclasses and scheduled online events
Bookings for workshops, masterclasses and other scheduled events are personal and non-transferable unless I agree otherwise in writing.
If you cannot attend, any refund, credit or replay access will depend on the specific conditions stated for that event.
Where a replay is included, inability to attend live does not create an automatic right to a refund.
Free events may be changed or cancelled without compensation.
If I cannot deliver a paid online event on its original date because of illness, emergency or another significant reason, I may provide a substitute facilitator, replacement date, equivalent session or recording.
8. Private coaching sessions
A private coaching session may be cancelled or rescheduled up to 24 hours before the scheduled starting time.
A session cancelled less than 24 hours before its scheduled starting time, or missed without notice, is treated as used and is not refundable.
I may make an exception in the case of a genuine emergency, but this remains at my discretion.
If I need to cancel or reschedule a session, the session will be rearranged without charge.
Sessions included in a coaching package must be used within the agreed programme period unless another arrangement is confirmed in writing. Unused sessions normally expire at the end of the programme.
9. Coaching programmes and Deep Immersion
A booking for a coaching programme, including a private or Group Deep Immersion journey, is a commitment to the complete programme and its full price.
If you decide not to begin or continue after the applicable statutory withdrawal period or programme cancellation deadline, payments already made are not refundable.
If you selected a payment plan, all remaining instalments continue to be payable even if you:
Stop attending;
Do not complete the programme;
Decide that you no longer wish to continue;
Do not use the available support, recordings or materials;
Do not implement the practices or actions discussed;
Experience a change in your personal schedule or circumstances; or
Are dissatisfied because a particular personal outcome has not occurred.
Individual sessions missed or cancelled less than 24 hours beforehand are treated as used.
Group sessions cannot be rescheduled for one participant. Where a recording is included, it will be made available according to the programme description.
Personal coaching hot seats and other confidential portions may be excluded from recordings.
If I cannot personally lead a group session because of illness, emergency or another significant reason, I may:
Reschedule the session;
Provide a substitute teacher or facilitator;
Provide an equivalent replacement session; or
Adapt the programme schedule.
These changes do not create an automatic right to cancel the programme or receive a refund.
10. Retreat bookings and deposits
A retreat place is secured only after the required deposit has been received and the booking has been confirmed.
The retreat deposit is non-refundable.
The remaining balance must be paid by the deadline stated on the retreat page, invoice, booking form or confirmation email.
If you cancel before the final-payment deadline:
The deposit remains non-refundable; and
Any additional amount already paid above the deposit may be refunded, less non-recoverable costs already incurred specifically for your booking.
If you cancel on or after the final-payment deadline, payments made are non-refundable and any outstanding balance remains payable.
This reflects the advance commitments made to venues, teachers, suppliers and other retreat providers.
Failure to pay the remaining balance by the stated deadline may result in cancellation of your place without repayment of the deposit.
Illness, injury, pregnancy, family circumstances, work commitments, travel disruption or a change in personal circumstances do not create an automatic right to cancel or receive a refund.
Any mandatory rights under applicable consumer law remain unaffected.
11. Retreat teacher illness or unavailability
If I become ill or unavailable before or during a retreat, I have the right to appoint a suitably qualified substitute teacher or facilitator.
The retreat may continue with the substitute teacher or with reasonable adjustments to the schedule, teaching team or individual programme elements.
A change of teacher, substitute teacher or reasonable programme adjustment does not constitute cancellation of the retreat and does not create a right to a refund.
If I become unwell during a retreat, other planned elements of the retreat may continue while a substitute teacher or facilitator takes responsibility for the affected sessions.
12. Transferring a retreat place
A retreat booking may be transferred to another person only with my prior written approval.
The replacement participant must:
Meet any participation requirements;
Complete the required registration and health information;
Accept these Terms & Conditions and any retreat-specific terms;
Accept the booked accommodation arrangement; and
Pay any additional costs caused by the transfer.
You are responsible for finding the replacement participant.
The transfer becomes effective only after I have approved it in writing and all outstanding payments and required information have been received.
Retreat bookings cannot be transferred to another retreat or converted into credit unless I expressly agree in writing.
Coaching programmes, coaching sessions, yoga-class passes, memberships and online-programme places are personal and non-transferable.
13. Travel and retreat insurance
You are strongly advised to obtain comprehensive travel and retreat-cancellation insurance immediately after booking.
Your insurance should cover:
Illness and injury;
Cancellation;
Pandemics and epidemics where available;
Government restrictions;
Travel disruption;
Delayed or cancelled transport;
Lost or damaged belongings;
Medical treatment and repatriation; and
Events affecting your ability to travel or participate.
You are responsible for your own travel arrangements, passports, visas, insurance, health requirements and transportation to and from the retreat.
Unless expressly included in the retreat description, flights, transfers and personal travel expenses are not included.
I am not responsible for losses arising from cancelled or delayed travel, missed connections, denied boarding, insufficient travel documents, entry restrictions or other arrangements made independently by you.
Failure to obtain appropriate insurance does not transfer responsibility for your losses to me.
14. Force majeure and events outside my control
A force-majeure event means an event outside my reasonable control that prevents, delays, restricts or materially affects an offering.
This may include:
A pandemic, epidemic or public-health emergency;
Government restrictions, quarantine requirements or border closures;
Natural disasters;
Fire, flood or extreme weather;
War, terrorism, civil unrest or political instability;
Strikes or major transport disruption;
Venue closure or unavailability;
Widespread utility, internet or technology failure;
Serious illness, accident or emergency;
Supplier or service-provider failure caused by such an event; or
Any comparable circumstance outside my reasonable control.
A force-majeure event affecting your personal ability to attend—including travel restrictions, cancelled transportation, quarantine, illness or concerns about travelling—does not give you an automatic right to cancel, transfer or receive a refund.
If a force-majeure event affects my ability to deliver an offering as originally planned, I may:
Change the date, schedule, venue or format;
Move an in-person element online;
Provide a substitute teacher or facilitator;
Reduce, replace or rearrange individual programme elements;
Reschedule the offering;
Provide credit for a future date; or
Take another reasonable step to preserve the substance and value of the offering.
Where the offering is rescheduled, adapted, relocated or delivered by a substitute, the booking remains valid and payments are not refundable.
For retreats, payments may already have been committed to venues, accommodation providers and other suppliers. To the fullest extent permitted by law, no refund is provided for amounts that are non-refundable or cannot reasonably be recovered from those providers.
If performance becomes permanently impossible and no reasonable replacement, rescheduling, credit or alternative can be provided, any entitlement to a refund will be determined by mandatory applicable law and the amounts that can reasonably be recovered after unavoidable third-party costs.
Nothing in these Terms excludes a mandatory consumer right that cannot lawfully be excluded.
15. Changes or cancellation by me
I may make reasonable changes to an offering where necessary because of illness, venue changes, travel disruption, technical problems, safety concerns, participant needs or circumstances outside my control.
Such changes may include:
Changes to the schedule;
Changes to the venue;
Moving an in-person session online;
Replacing a teacher or facilitator;
Changing the order or delivery of programme elements;
Providing a replacement date;
Providing a recording; or
Offering an equivalent alternative.
These reasonable changes do not constitute cancellation and do not create an automatic right to a refund.
If I cancel a paid offering for reasons within my reasonable control and do not provide a replacement date, substitute teacher, credit or equivalent alternative, you will receive a refund of the amount paid directly for the cancelled offering.
My responsibility is limited to the amount paid directly to me for the affected offering. I am not responsible for independently booked flights, accommodation, transport, insurance or other consequential expenses.
16. Health and personal responsibility
Yoga, breathwork, meditation, coaching and retreat participation may involve physical, mental and emotional activity.
You are responsible for deciding whether an offering is appropriate for you.
You agree to:
Inform me of relevant injuries, pregnancy, health conditions or limitations;
Consult an appropriate medical or mental-health professional where necessary;
Follow instructions and safety guidance;
Work within your own capacity;
Stop an activity if you experience pain, dizziness, distress or other concerning symptoms; and
Seek qualified professional support when needed.
You remain responsible for your body, choices, health, safety and wellbeing throughout the practice.
Nothing I provide constitutes medical diagnosis, medical advice, medical treatment, psychotherapy, psychiatric treatment, counselling, crisis intervention or another regulated healthcare service.
Yoga, meditation, breathwork and coaching are not substitutes for appropriate medical, psychological, psychiatric or therapeutic care.
17. Nature and limits of coaching
Coaching is a collaborative process intended to support awareness, reflection, personal responsibility, learning and action.
Coaching is not:
Psychotherapy;
Counselling;
Medical or psychiatric treatment;
Diagnosis;
Crisis intervention;
Legal advice;
Financial advice; or
A substitute for support from an appropriately qualified professional.
The coaching relationship does not transfer responsibility for your life, decisions or actions to the coach.
You remain responsible for:
Defining your goals;
Deciding what is right for you;
Communicating honestly;
Participating actively;
Completing agreed reflections, practices or experiments;
Implementing what you learn;
Seeking specialist support where needed; and
Taking responsibility for your choices and results.
I can provide questions, reflection, perspective, practices, tools, structure and support. I cannot do the work or make decisions on your behalf.
I am not rescponsible for whether you achieve a particular personal, professional, financial, health, relationship or emotional outcome.
No specific result or transformation is promised or guaranteed. Results vary depending on many factors, including your participation, circumstances, choices, readiness and implementation.
If you are experiencing a mental-health crisis, a risk of harm, or a situation requiring diagnosis or treatment, please contact an appropriate healthcare or emergency professional.
For more information about professional coaching, ethical principles and coaching standards, you may consult the International Coaching Federation Code of Ethics.
18. Group participation and behaviour
Group programmes depend on trust, respect, confidentiality and consideration between participants.
Participants agree to:
Treat other group members respectfully;
Allow others space to speak and participate;
Avoid discriminatory, abusive, threatening or aggressive behaviour;
Respect personal boundaries;
Keep personal information shared by others confidential;
Avoid dominating, repeatedly interrupting or disrupting sessions;
Follow reasonable group agreements and facilitator instructions; and
Refrain from promoting or selling unrelated products or services within the cgroup without permission.
If I believe that a participant’s conduct is disruptive, disrespectful, harmful or inconsistent with the group agreement, I have the right to address the behaviour directly.
Where appropriate, I will first speak privately with the participant, explain the concern and provide an opportunity for the behaviour to change.
I nevertheless retain responsibility for protecting the group and may decide, in my reasonable professional judgment, that a participant must be:
Given a formal warning;
Restricted from a particular community space or activity;
Temporarily suspended; or
Removed from the programme or community.
Immediate removal may occur without a prior warning where conduct is seriously abusive, threatening, unsafe, discriminatory or involves a significant breach of confidentiality.
A participant removed because of their conduct is not entitled to a refund. Where a payment plan was selected, remaining instalments continue to be payable to the extent permitted by law.
The decision to remove a participant is mine and will be made with reasonable consideration for the wellbeing and integrity of the group.
19. Confidentiality in coaching and group programmes
I treat information shared in private coaching with care and confidentiality, subject to legal obligations and situations involving a serious risk of harm.
Group participants must respect the privacy and confidentiality of everyone in the group.
Participants may not share another person’s:
Name;
Personal story;
Coaching contribution;
Image or voice;
Messages;
Health information; or
Other private information
outside the group without that person’s express permission.
Although confidentiality is a condition of participation, I cannot guarantee the actions of every participant.
20. Recordings
Online yoga classes and group classes may be recorded where this forms part of the offering.
Zoom provides a notification when recording begins or resumes. Participants who do not wish to appear or be heard may keep their camera and microphone switched off during recorded portions and avoid placing personal information in the chat.
Personal coaching hot seats are not recorded. The recording will be paused during those portions.
Discovery calls and private coaching sessions are generally not recorded for replay. However, handwritten notes may be taken, and an AI-assisted note-taking service may be used after you have been informed and any required consent has been obtained.
Participants must not independently record, copy, reproduce, share, sell or distribute sessions, recordings or programme content without written permission.
21. Intellectual property
All class content, teaching materials, recordings, meditations, practices, worksheets, videos, programme frameworks, written materials, branding and other resources provided by me remain my intellectual property or are used with permission.
Your purchase grants you a limited, personal, non-exclusive and non-transferable right to use the material for your own private purposes.
You may not:
Share access details;
Upload materials to another platform;
Copy or distribute recordings;
Sell, license or commercially exploit materials;
Teach or reproduce programme content as your own;
Remove branding or copyright notices; or
Use materials to create a competing product or programme.
22. Technical requirements
For online offerings, you are responsible for:
A suitable device;
A stable internet connection;
Compatible software;
Maintaining the confidentiality of access links and passwords; and
Creating a safe and appropriate space in which to participate.
I am not responsible for a participant’s equipment, internet connection or inability to access a session because of local technical problems.
Where possible, I will provide reasonable assistance or alternative access if a technical problem originates from my systems.
23. Digital content and recordings
Digital recordings, videos, audio practices, worksheets and other downloadable or streamed materials are for personal use only.
Access is provided for the period stated at purchase or in the relevant programme description.
Unless lifetime access is expressly promised, access may end when the stated access period or programme ends.
I may update, replace or remove material where reasonably necessary, provided the essential purchased content remains available for the promised period.
24. Statutory withdrawal rights for EU and EEA consumers
If you are an EU or EEA consumer and enter into a distance contract, you may have a statutory right to withdraw from the contract within 14 days without giving a reason.
The withdrawal period generally begins on the date the contract is concluded.
To exercise an applicable withdrawal right, you must inform me clearly before the withdrawal period expires:
Natalija Fallocca-Bajric
Mühlebachstrasse 64
8008 Zürich
Switzerland
Email: nat@nat.yoga
You may use the model withdrawal form at the end of these Terms, but this is not mandatory.
Services beginning during the withdrawal period
If you request that a service begin during the 14-day withdrawal period and then exercise an applicable right of withdrawal, you may be required to pay for the portion of the service already provided.
Once a service has been fully performed, the right of withdrawal may be lost where you expressly agreed to performance beginning and acknowledged that the withdrawal right would be lost after complete performance.
Digital content supplied immediately
If you request immediate access to digital content before the 14-day withdrawal period has expired, you may be asked to:
Expressly consent to immediate access; and
Acknowledge that this may result in the loss of your statutory withdrawal right.
Services on specific dates
The statutory withdrawal right may not apply to accommodation, leisure activities or related services where the contract provides for a specific date or period. This may include certain retreats, workshops, events and scheduled classes.
Nothing in these Terms excludes a mandatory right that applies under consumer law.
25. Refunds
Approved refunds are made to the original payment method where reasonably possible.
Processing times depend on the payment provider and financial institution.
Any refund entitlement is limited to the amount paid for the affected service unless mandatory law requires otherwise.
Bank charges, currency differences and third-party transaction fees may be deducted where legally permitted and where they are not recoverable by me.
26. Personal data
Personal data is processed as described in the Privacy Policy published at:
The Privacy Policy forms part of these Terms & Conditions.
27. Liability
I provide my services with reasonable care and skill.
To the fullest extent permitted by law, I am not responsible for:
A participant’s failure to participate or implement the work;
A participant’s decisions, actions or outcomes;
Loss caused by inaccurate or incomplete information provided by a participant;
A participant’s failure to follow instructions or disclose relevant health information;
Loss arising from another participant’s conduct;
Personal property that is lost, stolen or damaged;
Independent travel or accommodation arrangements;
Force-majeure events or circumstances outside my reasonable control;
Technical problems outside my reasonable control; or
Indirect or consequential loss.
Nothing in these Terms excludes or limits liability where exclusion would be unlawful, including liability for wilful misconduct, gross negligence or personal injury caused by negligence where applicable.
28. Complaints
If you have a concern or complaint, please contact nat@nat.yoga so that I have an opportunity to address it directly.
Please include:
Your name;
The relevant offering;
A clear description of the issue; and
The resolution you are seeking.
I will aim to respond within a reasonable period.
29. Changes to these Terms
I may update these Terms when my services, business practices or legal obligations change.
The version accepted at the time of your booking will generally apply to that booking unless a change is required by law or is clearly beneficial to you.
The latest version will be published on the website with the revision date shown at the top.
30. Severability
If any part of these Terms is found to be invalid or unenforceable, the remaining provisions continue to apply.
The invalid provision will be interpreted or replaced as closely as legally possible to reflect its intended purpose.
31. Governing law and jurisdiction
These Terms are governed by Swiss law.
The courts of Zürich, Switzerland, have jurisdiction, subject to any mandatory consumer-protection rules that grant you the right to bring proceedings in another competent court or require another law to apply.
32. Contact
For questions concerning these Terms & Conditions, please contact:
Natalija Fallocca-Bajric
Mühlebachstrasse 64
8008 Zürich
Switzerland
Email: nat@nat.yoga
Model Withdrawal Form
Complete and return this form only if you have a statutory right of withdrawal and wish to exercise it.
To:
Natalija Fallocca-Bajric
Mühlebachstrasse 64
8008 Zürich
Switzerland
Email: nat@nat.yoga
I hereby give notice that I withdraw from my contract for the following service or digital content:
Offering purchased:
[Insert offering]
Date ordered:
[Insert date]
Name of consumer:
[Insert name]
Address of consumer:
[Insert address]
Email address used for booking:
[Insert email]
Date:
[Insert date]
Signature:
Required only if this form is submitted on paper.