Who we are, and what these terms cover
КОДЕР ЕООД (CODER LLC), company ID 208537335, 4 Lavski Rid St., fl. 9, apt. 47, 1680 Sofia. You can reach us at office@coderonline.org. On this page, "CODER", "we" and "us" mean this company.
These terms apply when you book a reading with Olga Loyd, join a course at the CODER Academy, or buy one of our instruments, MobiCoder or Coder Studio, through this site or by writing to us. By booking, joining or buying, you agree to them. Readings given by independent practitioners trained in the method are their own business and their own terms, not ours.
You must be eighteen or over to book or buy. A reading for a child is booked by a parent or legal guardian.
The words we use
- A reading is a one-to-one session with Olga, online, in which she reads a portrait you send and answers your questions.
- A course is a programme of live online sessions at the CODER Academy, with its materials and recordings.
- MobiCoder is a handheld instrument we make and sell.
- Coder Studio is a computer program we license, with one activation code for one computer.
- The method is Olga Loyd's way of reading a face, as she teaches it.
What a reading is, and what it is not
A reading, a course and the instruments are an esoteric practice for personal reflection and learning. They are not medical, psychological, legal or financial advice, and they do not replace a doctor, a therapist, a lawyer or an adviser. Nothing Olga says, and nothing an instrument shows, is a medical finding, a treatment or a prediction. If you have a health problem, see a doctor. What you do with what you hear or see is your own decision, and you remain responsible for it.
We make no promise about what a reading will tell you or what it will change for you.
Readings: booking and payment
You book a reading in the calendar on the Readings page, or by writing to us. The price and the length of a reading are the ones shown on the Readings page when you book. You pay by card in the calendar, or by bank transfer if you booked by email. A booking is confirmed when the payment arrives.
Before the reading you send the photographs and details the Readings page asks for. If they are missing or unusable, we tell you, and the reading waits until they arrive. The reading takes place on Zoom at the booked time and is recorded; the recording is sent to you afterwards, for your own use.
Readings: changing or cancelling
You can move a reading or cancel it free of charge up to twelve hours before it starts, and we refund the full amount. If you cancel later than that, or do not turn up, the payment is not refunded, because Olga has already prepared your reading; we will still offer you another time where we can. Once the reading has been given, it is not refunded. If Olga has to cancel, you choose between a new time and a full refund. As a consumer you also have a fourteen-day right of withdrawal from a booking made online. By choosing a time inside those fourteen days you ask us to give the reading then, and the right ends once it has been given.
A check-up reading after six months is recommended, not required. It is booked and paid for as a normal reading, at the price shown when you book it, less any discount or offer we have at the time.
Courses
Courses are joined and paid for on our course platform at learn.coderonline.org. The platform's own terms also apply to your account there. The price, the dates and what a course includes are the ones shown on the Academy page and the platform when you enrol. A course can be paid in instalments where the Academy page says so; all instalments are due whether or not you attend every session.
Live sessions are recorded for the people in the course. If you prefer not to appear, keep your camera off and use only your first name, and please do not share details about your health in the group. Recordings and materials stay available to you for twelve months after the course ends. Materials and recordings are for your own learning: you may not share, copy, sell or publish them. We may remove someone from a course who disrupts it for others; in that case we refund the sessions not yet held.
MobiCoder
You order a MobiCoder by writing to us. We confirm the price, the delivery time and the payment details by email, and the contract is made when you pay. Each MobiCoder is prepared for its owner before it is sent. Delivery is by courier, insured, and the cost is shown in the confirmation; the risk passes to you when the parcel is handed to you.
MobiCoder comes with the legal guarantee of conformity that Bulgarian and EU consumer law gives you, which is two years from delivery. If it does not work as described, write to us. You choose whether we repair it or replace it, free of charge. If neither is possible, you can have a lower price or your money back. The guarantee does not cover damage caused by a drop, by water, or by opening the instrument. MobiCoder is an instrument for personal reflection, not a medical device, and it is not meant to be relied on for any decision about health.
Coder Studio
Coder Studio is sold as a licence: one activation code lets you install and use the program on one computer, for as long as you like. The program shows you its own licence agreement, terms and privacy policy when you first start it, and you accept them there; they apply alongside these terms. You may not copy, alter, reverse engineer or share the program, or let others use your code. You may pass your licence on to someone else only as a whole, after removing the program from your computer and telling us, so we can move the code to them. If your computer is replaced, we move the licence to the new one once, free of charge, on request.
Today Coder Studio runs entirely on your computer, with no cloud and no internet needed. The agreement inside the program reserves the right to add online features, licence checks and connected services later; if that happens, we tell you before it applies to you. The agreement inside the program names the company as Coder LLC: the same company.
Coder Studio goes with the course that teaches the method, and we sell it to people who have taken or are taking that course. It measures a photograph and draws what it measures; the reading is yours. We make no promise that it will produce any particular result for you or your clients.
If you buy Coder Studio as a consumer, it comes with the legal guarantee of conformity that EU law gives for digital content, which is two years from when you receive your code: if it does not work as described, write to us and we fix it, or if we cannot, we lower the price or refund it, and the fixes and security updates needed for that are included. If you buy it for your business, the warranty terms in the program's own agreement apply instead. New features are included for the first year after purchase.
Prices and payment
Prices are in euro and include VAT where it applies. The price you pay is the one shown when you book, enrol or receive our confirmation, and it does not change afterwards. We issue an invoice for every payment. Bank transfer details are given in our confirmation email, never on a public page.
Changing your mind
If you buy as a consumer, Bulgarian and EU law gives you fourteen days to withdraw from a contract made at a distance, without giving a reason. How that works for each thing we sell:
- A reading is a service. You can withdraw within fourteen days of booking without giving a reason. When you book a time inside those fourteen days, we ask you to tick a box saying you want the reading to happen before the fourteen days are over and that you know you can no longer withdraw once it has been given. We confirm this in the booking email. If you withdraw before the reading, we keep only a fair share for the preparation already done.
- A course is a service. You can withdraw within fourteen days of enrolling without giving a reason. If you asked us to start the course inside those fourteen days, you pay only for the sessions already held and we refund the rest. Once the whole course has been given, you can no longer withdraw. Recordings of earlier groups that we unlock for you at once are digital content: we ask for your agreement first, and once they are unlocked you can no longer withdraw from that part.
- MobiCoder is goods. You can return it within fourteen days of delivery without giving a reason. You may try it as you would in a shop; if it comes back worn by more than that, we may deduct the loss in value. You pay the return postage; we refund the original delivery cost.
- Coder Studio is digital content. You can withdraw within fourteen days of purchase as long as you have not activated it. Before you activate, the program asks you to confirm that you want the licence to start at once and that you then lose the right to withdraw, and we confirm this to you by email.
To withdraw, write to office@coderonline.org saying what you bought and when. You can use the form at the end of this page, but you do not have to. We refund by the way you paid, within fourteen days of your message. For a MobiCoder, we may wait until it reaches us or you show us you have sent it, whichever comes first.
After every booking, enrolment or purchase we send you an email confirming what you bought, the price, these terms, and any early-start agreement you gave.
Your content, our content
The photographs and details you send stay yours. You give us the right to use them only for your reading, as the privacy policy explains.
The site, the method, the course materials, the recordings, the reports Coder Studio produces, and the names CODER, MobiCoder and Coder Studio belong to us or to Olga Loyd. You may use what you receive for your own reflection, learning or practice. You may not copy, publish, sell or teach from our materials, and you may not present the method as your own.
Using the site
You may read and link to the site freely. You may not copy it wholesale, overload it, try to break into it, or use the contact form to send anything unlawful or abusive. We may block anyone who does.
Our responsibility
We are responsible for giving you what you paid for, as described on this site, with reasonable care. We are not responsible for decisions you take on the basis of a reading, a course or an instrument, or for losses that follow from them. Nothing in these terms limits what we are liable for by law, including for harm we cause on purpose or through gross negligence, and for death or injury, or any right the law gives you as a consumer.
Complaints and disputes
If something is wrong, write to office@coderonline.org first; we answer within fourteen days and try to put it right. As a consumer you can also turn to the Commission for Consumer Protection (Комисия за защита на потребителите), kzp.bg, and to the conciliation commissions it runs for out-of-court settlement.
These terms are governed by Bulgarian law. If you are a consumer, you also keep the protection of the law of the country where you live. You can bring a claim in the courts where you live or in Bulgaria, and we can bring a claim against you only in the courts where you live. If you buy for a business, the courts of Sofia decide.
Changes to these terms
We may change these terms for future bookings and purchases; the version on this page with its date is the one that applies to what you buy. Changes do not affect what you have already bought. If the Bulgarian, Russian and English versions of this page differ, the version more favourable to you applies. Last updated: 29 October 2026.
Withdrawal form
Copy this into an email to office@coderonline.org if you want to use it. You can also just write to us in your own words.
To КОДЕР ЕООД, office@coderonline.org: I hereby give notice that I withdraw from my contract for the following: [what you bought]. Ordered on [date], received on [date, for a MobiCoder]. Name: [your name]. Address: [your address]. Date: [today]. Signature, only if you send this on paper.