On the main page, there are descriptions of free and/or paid products created by external authors in the field – “Personal development, self-help and success of people”. These products have been reviewed and studied by me (Roumen Krastev) and in general, they coincide with my understandings in this area. However, any parts of their content may not match completely with my beliefs or style of expression. Institute for the People and Changes does not warrant and is not responsible for the accuracy or applicability of this content. We recommend that you evaluate and consider this content and follow the part of it that you believe is correct and suitable for you. If you have an opinion or questions, contact the author of the product. For paid products, there is usually an option to cancel the purchase and return the payment within 30 to 60 days.