Last Updated: 29 January 2026
These Terms of Service (the “Agreement” or the “Offer”) are issued by Trading Education OÜ,  a private limited company incorporated and operating under the laws of the Republic of Estonia  (registry code 17156734), having its registered office at Tähesaju tee 21-114, Lasnamäe, Tallinn,  Harju maakond 13917, Estonia (the “Company”, “we”, “us”, or “our”).
This Agreement governs the access to and use of our digital informational and analytical-access  service (the “Service”) and applies to any natural or legal person who registers, accesses,  purchases, or otherwise uses the Service or any related features (the “User”, “Client”, “you”, or “your”).
By accepting this Offer, including by registering, creating an account, making a payment, clicking an  acceptance checkbox, or accessing any part of the Service, you acknowledge and agree that you have  read, understood, and accepted to be legally bound by this Agreement, which constitutes a legally  binding electronic contract. You confirm that you are at least 18 years old, have full legal capacity under the applicable laws of your jurisdiction, and are not restricted or prohibited from accessing or using similar informational digital services.

If you do not agree with any part of this Agreement, you must not register, access, purchase, or use  the Service.

1. DEFINITIONS AND INTERPRETATION

For the purposes of this Agreement, the following terms shall have the meanings ascribed to them below, unless the context clearly requires otherwise:
1.1. “Service” means a digital, subscription-based informational and analytical access service provided by the Company, which may include digital content, online features, communication channels, informational sessions, AI-assisted informational outputs, analytical observations across multiple financial markets (including foreign exchange and digital asset markets), community-based discussions, and other related materials as determined by the Company.
1.2. “Subscription” means the fixed-term paid access to the Service for a predetermined period, granted to the User following successful payment, subject to automatic renewal unless cancelled in accordance with this Agreement.
1.3. “Platform” means the Company’s designated online system, website, application, or other digital environment through which the Service is accessed.
1.4. “User Account” means the individual profile created by the User on the Platform for the purpose of accessing the Service.
1.5. “Participation Fee” means the monetary payment made by the User solely for obtaining access to the Subscription and the Service. The Participation Fee does not relate to any capital usage, investment activity, trading funds, or financial assets.
1.6. “Materials” means digital informational and analytical content, online or recorded sessions, text, audio, video, templates, examples, case references, explanatory notes, and any other resources made available as part of the Service.
1.7. “Community Spaces” means private online communication environments authorised by the Company (such as chat groups, discussion channels, closed forums or private communication hubs), if applicable.
1.8. “Applicable Law” means the laws of the Republic of Estonia, along with other mandatory legal provisions that may apply based on the User’s location or consumer protection rules.
1.9. “Notice” means any official communication sent to the User via email, the Platform, or other electronic communication channels as determined by the Company.
1.10. “AI Tools” means any automated, software-assisted, or algorithm-based informational features,  functions, or outputs made available within the Service. AI Tools are intended solely for  general informational purposes and do not constitute personalised advice, recommendations, 
or any form of regulated activity.
1.11. “AI Trading Club” means a designated product branch within the Service providing subscription-based access to a structured informational and analytical environment, which may include AI-assisted informational outputs, general market analysis, illustrative trade scenarios, educational materials, recorded or live informational sessions, and access to Community Spaces. The AI Trading Club is provided solely for informational and educational purposes and does not constitute investment advice, brokerage services, trade execution, portfolio management, or copy-trading.
1.12. “Signals”, “Trades”, “Deals”, or similar terminology, when used within the Service, Materials, or Community Spaces, shall mean non-binding informational references, analytical examples, or hypothetical scenarios provided for explanatory or educational purposes only and shall not be interpreted as instructions, recommendations, or personalized guidance.

2. NATURE AND SCOPE OF THE SERVICE

2.1. The Service provides digital access to general informational and analytical materials, conceptual frameworks, market-related references, illustrative examples, community-based discussions, and other non-personalised content made available by the Company at its discretion, including analytical content relating to multiple financial markets such as foreign exchange (Forex) and digital asset markets.
2.2. The Service is not a course, training program, coaching service, consultancy, mentorship, advisory service, or educational program, and does not include the provision of personalised guidance, recommendations, assessments, instructions, or strategic planning tailored to the User’s individual circumstances, background, goals, or risk profile.
2.3. The Service may include access to live or recorded sessions, published content, community spaces, event-based activities, informational discussions, and platform-based tools; however, the Company does not guarantee the availability, schedule, continuity, or quantity of any specific functionality or activity.
2.4. The Company may update, modify, replace, expand, limit, or discontinue any part of the Service, any specific features, materials, or formats at any time, with or without prior Notice, in order to improve the Service, maintain operational integrity, comply with legal requirements, or for any other operational or commercial reasons.
2.5. Access to the Service is provided solely for informational and personal use purposes, and may only be used by the registered User for their own independent evaluation and decision-making. The User must not rely on the Service as a source of professional, financial, legal, tax, investment, business, trading, or any other regulated advice.
2.6. The Company does not guarantee that access to the Service or the Materials will lead to any financial, commercial, business, professional, personal, or performance-based outcomes, nor that any informational elements will be accurate, complete, up-to-date, or suitable for any particular purpose or use case.
2.7. If the User joins the Service through a waitlist or pre-access registration, such registration shall not constitute a confirmation of Service activation, access rights, feature availability, timelines, pricing, or future participation. No expectation regarding delivery dates, inclusions, or Service scope shall arise until official Subscription activation following confirmed payment.
2.8. Support interactions, if available, are provided on a general and non-personalized informational basis without any guaranteed response time, frequency, continuity, or communication format. The Company does not guarantee individual replies, private consultations, personal feedback, or access to specific team members, experts, or representatives.
2.9. Any reference to potential guest speakers, partners, collaborators, or external contributors is purely informational and subject to change. Their participation, availability, schedule, and content are not guaranteed and do not form part of the contractual Service scope.
2.10. The Service includes a designated product branch referred to as the “AI Trading Club”, which provides Users with access to a structured informational and analytical environment combining AI-assisted informational outputs, general market analysis, illustrative trade scenarios, educational explanations, recorded or live informational sessions, and Community Spaces. The AI Trading Club forms part of the Service and is provided strictly on a subscription-based access model.
2.11. The AI Trading Club does not provide trade execution, copy-trading, brokerage services, portfolio management, or access to User brokerage or trading accounts. Any references within the Service, Materials, or Community Spaces to “signals”, “trades”, “deals”, or similar terminology shall be understood solely as non-binding informational examples or analytical references and shall not constitute instructions, recommendations, or personalized advice.

3. SUBSCRIPTION TERM AND ACCESS RULES

3.1. The Service is provided strictly on a fixed-term subscription basis. Unless otherwise stated on the purchase page, the standard Subscription term is twelve (12) consecutive months starting from the moment the Participation Fee is successfully processed (“Subscription Term”).
3.2. User access to the Service is granted only after full payment has been processed and confirmed. The date and time of payment confirmation shall be considered the official activation date of the Subscription.
3.3. The Subscription grants access only to those Materials, features, and components that the Company includes within the Service at its discretion. Access does not guarantee availability of any particular quantity, frequency, or schedule of Materials, activities, features, or community interactions.
3.4. The Subscription is intended for individual use only. User access credentials must not be shared, resold, sublicensed, transferred, or otherwise made available to third parties.
3.5. The Company may temporarily suspend or restrict access to the Platform or specific components of the Service for maintenance, security, updates, or operational reasons without any obligation to provide compensation, extension, or refund, unless such extension is expressly announced by the Company.
3.6. Upon expiration of the initial Subscription Term, the Subscription may automatically renew for a new equivalent term based on the then-current Participation Fee, unless cancelled by the User in accordance with Section 5. Prior electronic notification will be provided to the User within a reasonable period before renewal processing.
3.7. The Subscription may not be paused, suspended, extended, or transferred at the User’s request, except where explicitly offered by the Company.
3.8. Access to specific product branches within the Service, including the AI Trading Club, Community Spaces, private communication channels (such as Telegram or similar platforms), or AI-assisted informational features, is granted as part of the Subscription at the Company’s discretion and may be subject to additional access rules, onboarding steps, or technical requirements determined by the Company.
3.9. The Company does not guarantee that any specific product branch, including the AI Trading Club, will maintain a particular structure, composition, methodology, number of materials, frequency of updates, or set of features throughout the Subscription Term. The scope, format, and components of any product branch may evolve over time as part of the overall Service.
3.10. Access to the Service and any product branches, including the AI Trading Club, is not dependent on the User’s level of participation, activity, results, or outcomes. Lack of use, limited engagement, dissatisfaction with analytical content, or failure to achieve expected results shall not constitute grounds for extension, suspension, refund, or modification of the Subscription.

4. PAYMENT TERMS & BILLING

4.1. The Subscription is provided exclusively on a full pre-payment basis. Access to the Service will only be granted after the full Participation Fee is successfully processed and confirmed.
4.2. The applicable Participation Fee for the Subscription is the amount indicated on the official purchase or checkout page at the time of payment. As of the effective date of this Agreement, the standard Participation Fee for the Subscription is USD 4,497, unless otherwise expressly stated by the Company in a written offer or on the purchase page.
4.3. Payments are processed through authorized third-party payment service providers. The Company does not collect, store, or process full payment instrument data and shall not be responsible for payment failures, delays, double-charges, rejections, currency conversions, gas or network fees, commissions, or any technical or operational errors of third-party processors.
4.4. Unless explicitly stated otherwise on the payment page, all prices are quoted in U.S. Dollars (USD). The User is solely responsible for any conversion fees, international commission charges, transfer fees, blockchain costs, or other payment-related expenses imposed by financial institutions, banks, payment processors, or blockchain networks.
4.5. By submitting payment, the User acknowledges and agrees that such payment constitutes a clear and affirmative acceptance of this Agreement, equivalent to entering into a legally binding electronic contract, and confirms understanding that the Participation Fee is paid solely for access to a digital informational and analytical Service and not for any financial results, trading outcomes, or investment performance.
4.6. If the Subscription includes an automatic renewal option, the User authorizes the Company (or its payment processor) to automatically charge the applicable Participation Fee for each renewal cycle using the last valid payment method on file, unless the User cancels the Subscription in accordance with Section 5.
4.7. The Company reserves the right to update pricing for future Subscription periods. Any price adjustments applicable to renewal will be communicated to the User in advance through electronic means.
4.8. Notwithstanding Section 4.1, the Company may, at its sole discretion, offer an installment payment option for the Subscription through authorized third-party payment providers or financing platforms, as indicated on the applicable purchase page. The availability, structure, number of installments, and eligibility for such installment options are determined exclusively by the Company and/or the relevant payment provider.
4.9. Where an installment payment option is selected, access to the Service may be granted either immediately upon confirmation of the first installment or only after full payment of all installments, as determined by the Company and disclosed on the purchase page. Failure to complete any installment payment when due may result in immediate suspension or termination of access to the Service without refund, compensation, or extension.
4.10. The Company does not provide consumer credit, loans, or financing services. Any installment arrangement is facilitated solely by third-party payment providers or financial institutions, and the Company bears no responsibility for their decisions, terms, interest rates, fees, or collection practices.

5. REFUND, WITHDRAWAL & CANCELLATION POLICY

5.1. The Subscription grants access to digital content and online features that are deemed fully delivered once access is activated. By purchasing the Subscription, the User acknowledges that the Service constitutes a digital product and that delivery is considered fulfilled when access to the Platform or any part of the Service is granted.
5.2. As a limited discretionary gesture of goodwill, the Company may review written refund requests submitted within seven (7) calendar days from the Subscription activation date. Any such review is conducted solely at the Company’s discretion and does not constitute a statutory withdrawal right, refund policy, or money-back guarantee. Refund eligibility shall be assessed only if the User has not materially used the Service, which may include, without limitation: (a) accessing restricted content; (b) joining private community spaces; (c) attending or viewing live or recorded sessions; (d) downloading, saving, or copying Materials; (e) using platform-based tools or features.
5.3. No refunds, partial refunds, prorated refunds, credit, compensation, or exchange shall be issued after the expiry of the 7-day period, or if any usage listed in Section 5.2 is detected, regardless of the reason provided by the User. For the avoidance of doubt, where the Subscription is purchased using an installment payment option, any amounts already paid shall be non-refundable once access to the Service has been granted, regardless of whether all installments have been completed.
5.4. Renewal payments are non-refundable, as renewal access is automatically granted unless cancelled prior to renewal billing in accordance with Section 5.
5.5. The User is solely responsible for managing renewal status before the renewal billing event. Failure to cancel in due time shall not constitute grounds for a refund.
5.6. Cancellation may only be made through the authorised method provided by the Company (e.g., account settings, official support channel, or written cancellation request). Messages sent through unofficial contacts, social media, personal messenger accounts, or chat groups shall not be considered valid cancellation requests.
5.7. Upon cancellation, access rights and all related Service privileges shall remain active until the end of the paid Subscription Term, after which access will automatically terminate. No extensions or pauses are provided.
5.8. Initiating a chargeback or payment dispute without first submitting a refund or cancellation request to the Company shall constitute a material breach of this Agreement. In such cases, the Company reserves the right to provide documentation to the payment processor, suspend or terminate access, and pursue any available remedies.
5.9. By activating the Subscription and accessing the Service, the User expressly consents to the immediate performance of a digital content service and acknowledges that such performance results in the loss of any statutory right of withdrawal under applicable consumer protection laws, to the maximum extent permitted by law.

6. SERVICE VALUE CONTINUITY

6.1. The Company maintains a commitment to developing and delivering the Service in line with its commercial strategy, technological capabilities, and content roadmap. The Service may be updated, improved, expanded, limited, or modified at any time in order to enhance functionality, relevance, user experience, and operational integrity. This applies equally to all product branches within the Service, including the AI Trading Club and any market-related analytical or informational components.
6.2. If the User reasonably believes that the Service does not provide sufficient value in accordance with the scope described on the Website, the User may contact the Company via the official support channel for clarification, navigation assistance, or information regarding available features and usage options.
6.3. At its sole discretion, the Company may offer optional value-enhancing measures, which may include, without limitation, provision of supplementary Materials, extension of access to selected features, upgrading of Service components, or issuance of additional informational content. Any such measures are non-contractual, non-obligatory, and provided on a voluntary and discretionary basis.
6.4. Nothing in this Agreement shall be construed as a promise, assurance, representation, or guarantee of financial, business, commercial, personal, professional, operational, trading, or performance-related outcomes, and the Service shall not be relied upon as a basis for financial, investment, business, or trading decisions. This limitation expressly applies to any market-related, trading-related, or AI-assisted informational content provided within the AI Trading Club or similar product branches.
6.5. Any discretionary value-enhancing actions taken by the Company shall not constitute: (a) a refund, (b) credit, (c) damages, (d) compensation, (e) an extension of legal obligations, or (f) amendment of the Refund Policy described in Section 5.
6.6. Any references in our marketing, communications, testimonials, promotional materials, community messages, or public statements to concepts such as “10x” or “10x return” shall be understood solely as an internal value benchmark describing the level of informational, structural, and implementation support we aim to deliver in proportion to the Participation Fee. These references do not relate to or measure any financial, trading, business, investment, monetary, economic, or performance-based results and must not be interpreted as a promise, forecast, guarantee, assurance, or expected outcome.
6.7. (a) We may, at our sole discretion and at no additional Service fee: (i) extend access to selected elements of the Service; (ii) provide additional informational materials, Q&A opportunities, office hours, reviews, or alternative implementation pathways; and/or (iii) issue credits toward future informational digital Service offerings, until you have reasonably obtained informational value commensurate with at least ten (10) times the Participation Fee paid for the applicable Subscription. (b) This mechanism is a support-continuation model, not a financial, economic, or performance guarantee. It does not constitute a promise of profit, business success, revenue increase, investment return, portfolio growth, or any specific measurable or time-bound result, and it does not constitute a money-back guarantee under any circumstances. (c) Eligibility requires that you: maintain Qualifying Engagement throughout the Subscription Term, comply with community rules and behavioral standards, and submit a good-faith request including reasonable documentation of your participation (e.g., notes, journal entries, screenshots of completed tasks, evidence of activity). (d) Participation in the Service under an installment payment option does not affect the applicability of this Section. Informational value, access, and support-continuation measures are deemed provided proportionally from the moment access is granted, regardless of installment completion status.
If you discontinue participation for a prolonged period, fail to engage reasonably, or decline a tailored improvement plan proposed by the Company, the “10x Commitment” shall be deemed fully satisfied.

7. USER RESPONSIBILITIES & PROHIBITED CONDUCT

7.1. The User shall use the Service solely for lawful purposes and in accordance with this Agreement, refraining from any activity that may harm the interests, reputation, operations, intellectual property, systems, or community environment of the Company.
7.2. The User acknowledges that all decisions made based on or influenced by the Service are taken independently and at their own risk, and the User remains fully responsible for verifying and evaluating any information accessed through the Service. The User acknowledges that any trading, investment, or market-related actions taken after accessing the Service or the AI Trading Club are performed independently by the User and shall not be attributed to the Company, its representatives, or community members.
7.3. The User agrees not to share, resell, disclose, distribute, or publish any Materials, private discussions, access credentials, or community content to third parties in any form, including screenshots, screen recordings, transcripts, summaries, or derivative materials.
7.4. The User must not engage in any of the following: (a) harassment, personal attacks, hate speech, threats, defamation, or disruptive behavior within the community spaces; (b) commercial advertising, solicitation, recruiting, spamming, or unauthorized promotion; (c) reverse engineering, scraping, data extraction, or automated copying of the Platform or Materials; (d) attempting to gain unauthorized access to accounts, systems, or confidential data; (e) misrepresenting identity, presenting false claims, or impersonating others; (f) providing misleading statements regarding the Service for manipulative, defamatory, or fraudulent purposes; (g) encouraging other Users to violate this Agreement.
7.5. The User must not reproduce, upload, resell, rent, trade, transfer, or publish any part of the Service or Materials in private or public spaces, including but not limited to social networks, YouTube, Discord, Telegram, WhatsApp, blogs, coaching programs, consulting materials, or competitor platforms.
7.6. The User agrees to promptly notify the Company of any suspected violation, unauthorized distribution, or abusive behavior within the Service environment.
7.7. Any breach of this section constitutes a material violation of this Agreement and may result in immediate suspension or termination of access without refund, at the sole discretion of the Company, in addition to any other legal remedies that may apply.
7.8. The User must not use any Materials, analytical content, illustrative trade scenarios, or community discussions obtained through the Service or the AI Trading Club to provide trading signals, copy-trading services, portfolio management, advisory services, or similar offerings to third parties, whether for compensation or otherwise.

8. INTELLECTUAL PROPERTY RIGHTS

8.1. All Materials, content, graphics, text, audio, video, concepts, frameworks, platform elements, communication content, and any other components provided within or in relation to the Service are and shall remain the exclusive intellectual property of the Company or its authorized licensors. This includes, without limitation, all AI-assisted informational outputs, analytical logic, structural methodologies, illustrative trade scenarios, market models, signal logic, system rules, and any combinations thereof generated or presented within the AI Trading Club or related product branches.
8.2. The User is granted a limited, personal, non-transferable, non-exclusive, revocable license to access and use the Service strictly for personal, non-commercial purposes during the active Subscription Term, in accordance with this Agreement.
8.3. Nothing in this Agreement shall be interpreted as transferring, assigning, granting, sublicensing, or selling any intellectual property rights to the User. The User does not obtain ownership, financial interest, or control over the Service, Materials, or Platform.
8.4. The User shall not, directly or indirectly: (a) copy, download, screen-record, capture, store, or archive Materials in any form; (b) publish, circulate, post, upload, distribute, or broadcast Materials, in full or in part; (c) use Materials for commercial, consulting, coaching, educational, training, advisory, or competitive purposes; (d) modify, adapt, translate, create derivatives, summarize, extract, or rewrite Materials for public or commercial usage; (e) assist or enable third parties in accessing or obtaining Materials.
8.5. Any content shared by Users in community spaces shall be treated as confidential and may not be recorded, published, or distributed outside the Service environment without express prior written consent from the content owner and the Company.
8.6. The Company reserves the right to monitor access logs, usage patterns, login locations, and activity records to ensure compliance with intellectual property restrictions and may utilize automated or manual systems to detect and prevent unauthorized usage or distribution.
8.7. Any violation of this Section constitutes a material breach and may result in immediate suspension or termination of access without refund, as well as potential legal action including claims for damages, injunctions, and recovery of enforcement costs.
8.8. The User expressly acknowledges and agrees that any Materials, AI-assisted outputs, analytical logic, illustrative trade scenarios, simulations, examples, conceptual frameworks, models, or discussions provided within the Service or the AI Trading Club are not designed, intended, or suitable to be used as, and shall not be used, construed, repurposed, or relied upon as:с(a) a trading system, strategy, methodology, model, or algorithm;с(b) a signal service, alert mechanism, recommendation engine, or automated decision tool;с(c) a framework for discretionary, semi-automated, or automated trading or investment decision-making; (d) a basis for portfolio construction, asset allocation, risk management, or execution decisions.
The User shall not apply, replicate, adapt, codify, automate, commercialize, sublicense, distribute, or provide access to any such Materials or outputs, in whole or in part, for use by themselves or by any third party, whether directly or indirectly, whether for personal, professional, commercial, educational, or advisory purposes. Any use of the Service or its content in a manner that resembles, approximates, or functions as a trading system, signal service, or decision-making framework shall constitute a material breach of these Terms.

9. NO ADVICE, NO FIDUCIARY DUTY, AND NO GUARANTEES

9.1. The User expressly acknowledges, understands, and agrees that the Service, Platform, Materials, discussions, examples, AI-generated outputs, and any other components provided by the Company are provided solely for general informational and educational purposes.
None of the foregoing shall be construed, interpreted, or relied upon as:
(a) investment, financial, trading, tax, legal, business, or any other form of professional advice;
(b) personalized guidance, coaching, consultancy, fiduciary service, or advisory recommendation;
(c) an instruction, solicitation, directive, or obligation to take or refrain from any action.
The User independently and exclusively determines whether, how, when, and to what extent any information obtained through the Service is used. All decisions made by the User based on such information are taken at the User’s sole discretion and risk. The User further acknowledges that the Company does not assess the User’s personal circumstances, financial position, risk tolerance, objectives, jurisdictional restrictions, or regulatory status, and therefore cannot and does not provide individualized or suitability-based recommendations. The User agrees to obtain independent professional advice from duly qualified and licensed specialists prior to making any decision in regulated, financial, investment, trading, tax, legal, or other high-risk domains. This clause applies equally and without limitation to any market-related, trading-related, Forex-related, cryptocurrency-related, AI-assisted, automated, or algorithmically generated informational content provided within the AI Trading Club or any other product, feature, or branch of the Service.
9.2. The User acknowledges and agrees that: (a) the Company does not evaluate, verify, or assess the User’s personal circumstances, experience, financial position, goals, risk tolerance, or suitability; (b) the User must not rely on the Service as the basis for financial, business, operational, trading, career, or investment decisions; (c) any actions taken by the User are done at their sole discretion and risk.
9.3. The Company provides the Service “as is” and “as available”, without any guarantees, representations, or warranties of any kind, whether express or implied, including but not limited to: (a) profitability, income, revenue, cost savings, or return on capital; (b) performance improvement, business success, or operational results; (c) suitability, completeness, accuracy, timeliness, or commercial value of information; (d) continuity, availability, or stability of the Platform or Service.
9.4. The User bears full and exclusive responsibility for any decisions, actions, performance, strategies, or interpretations based on the Service, and agrees that all outcomes may vary and are not guaranteed. The Company shall not be responsible for any direct or indirect losses, missed opportunities, commercial results, or unrealized expectations. This includes, without limitation, any outcomes arising from reliance on illustrative trade scenarios, analytical examples, AI-assisted outputs, or discussions within community spaces associated with the AI Trading Club.

10.AL TOOLS AUTOMATIONS AND INFORMATIONAL SIGNALS

10.1. The Service may include software-assisted, automated, or algorithmic functionalities (“AI Tools”), including but not limited to model trade setups, alerts, watchlists, market summaries, automated informational outputs, and similar features. AI Tools may be delivered through various formats and environments, including platform-based features, private communication channels, community spaces, or informational sessions associated with the AI Trading Club.
10.2. AI Tools are provided exclusively for informational purposes and are not intended to constitute personalised advice, trading signals, investment recommendations, asset management, or any regulated financial service.
10.3. All decisions relating to trading, investing, execution, position sizing, risk management, leverage, timing, and overall strategy remain solely and entirely the User’s responsibility.
10.4. Any model trades, performance simulations, scenario projections, automated suggestions, or AI-generated strategies are hypothetical, non-binding, and must not be interpreted as guidance, instructions, or recommendations to take or avoid any financial action. This applies equally to any references to “signals”, “entries”, “exits”, “setups”, or similar terminology used within the AI Trading Club or related community discussions.
10.5. The Company does not guarantee the accuracy, completeness, timeliness, relevance, or market-alignment of AI outputs, which may contain errors, delays, outdated data, or inconsistencies with actual market conditions. The Company shall not be liable for any reliance placed on such outputs/

11. LIMITATION OF LIABILITY

11.1. To the maximum extent permitted by Applicable Law, the Company, its owners, directors, employees, contractors, affiliates, and partners shall not be liable for any direct, indirect, incidental, consequential, exemplary, punitive, reputational, commercial, or special damages, including but not limited to: loss of profit, revenue, capital, savings, opportunities, goodwill, business interruption, data loss, or economic expectations, arising from or related to the Service. This limitation of liability expressly applies to any market-related, trading-related, Forex-related, cryptocurrency-related, or AI-assisted informational components of the Service, including those provided within the AI Trading Club.
11.2. The Company shall not be liable for: (a) any decisions, actions, omissions, strategies, or interpretations made by the User; (b) any consequences related to third-party services, platforms, or technologies; (c) any reliance placed by the User on the Service or Materials; (d) any issues arising from incomplete, inaccurate, outdated, misinterpreted, or misapplied information; (e) market conditions, price movements, economic factors, regulatory changes, or platform risks unrelated to the Company; (f) any outcomes, losses, or consequences arising from the User’s reliance on illustrative trade scenarios, analytical examples, AI-assisted outputs, community discussions, or references to “signals”, “entries”, or “exits” within the AI Trading Club.
11.3. The Company does not guarantee continuous availability, stability, or uptime of the Service or Platform, and shall not be liable for interruptions due to maintenance, security updates, technical failures, cyberattacks, third-party outages, or force-majeure events.
11.4. In any event where liability cannot be excluded under Applicable Law, the total aggregate liability of the Company shall be strictly limited to the amount of the Participation Fee actually paid by the User for the latest Subscription Term. No other damages, credits, reimbursements, or remedies shall apply.
11.5. No liability, refund, compensation, or free extension shall apply if any issue arises directly or indirectly from a breach of this Agreement by the User. For the avoidance of doubt, where the Subscription is purchased using an installment payment option, liability shall be limited to the total amount actually paid by the User as of the date of the relevant claim.
11.6. The Service may include references, links, or access to third-party platforms, tools, applications, or content. The Company is not responsible for the availability, accuracy, legality, policies, data processing, or performance of external systems and shall not be held liable for any issues, losses, or damages arising from the User’s interaction with such third-party resources.

12. SERVICE MODIFICATIONS, SUSPENSION & TERMINATION

12.1. The Company may, at any time and at its sole discretion, modify, update, enhance, replace, limit, reduce, or discontinue any part of the Service, Platform functionality, Materials, features, or access formats for operational, legal, commercial, technological, or strategic reasons.
12.2. The Company shall not be obligated to maintain or reintroduce any specific content, features, functionality, communication format, community interaction, or schedule, regardless of previous availability or User expectations.
12.3. The Company may temporarily suspend access to the Service or Platform due to maintenance, updates, technical issues, cyber-security threats, third-party failures, or other operational reasons. Temporary suspension shall not constitute breach of this Agreement and shall not entitle the User to compensation, refund, or extension unless expressly announced by the Company.
12.4. The Company may suspend or permanently terminate the User’s access, without refund or compensation, if the User breaches this Agreement, engages in abusive, fraudulent, defamatory, or illegal conduct, or otherwise poses a risk to the Company, Platform, team, or other Users.
12.5. In the event the Company decides to discontinue the Service entirely, Users with an active Subscription will retain access through the end of their current paid Subscription Term, unless prevented by legal, regulatory, or security-related circumstances.
12.6. Sections relating to intellectual property, confidentiality, prohibited conduct, liability, and dispute resolution shall survive termination or expiry of this Agreement.
12.7. The User acknowledges that certain features, materials, or functionalities of the Service may be released in beta, testing, or experimental form, which may include limited availability or temporary versions. The Company reserves the right to modify, limit, delay, or discontinue such elements without prior notice and without any obligation to maintain, finalize, or commercialize them.

13. DATA PRIVACY & CONFIDENTIALITY

13.1. The Company processes personal data in accordance with the requirements of applicable data protection laws, including Regulation (EU) 2016/679 (GDPR), and solely for purposes related to service delivery, account administration, communication, billing, legal compliance, and security.
13.2. By accessing or using the Service, the User consents to the processing of their personal data, including identification, contact, technical, behavioral, and transactional data, for the purposes of ensuring proper Service operation and communication.
13.3. Any non-public information shared within the Service, including community content, communications, private discussions, and exclusive Materials, shall be treated as confidential and may not be disclosed or used outside the Service environment without written consent from the information owner and the Company.
13.4. The Company applies reasonable technical and organizational measures to protect User data; however, it does not guarantee absolute security, given inherent risks of digital environments and third-party technologies.
13.5. The Company may involve third-party platforms and service providers (e.g., hosting, payment processors, CRM or messaging tools) that process User data under confidentiality and data processing agreements. Data may be stored or processed outside the User’s country of residence.
13.6. By registering, the User agrees to receive service-related, administrative, transactional, and system notifications via email, platform messages, or other digital communication channels. Marketing communications may be unsubscribed separately.
13.7. The User shall not disclose, reproduce, share, or publish screenshots, recordings, logs, chat messages, or any other confidential or proprietary information obtained through the Service, irrespective of intent.
13.8. The User may request access, rectification, or deletion of their personal data to the extent permitted by applicable law by contacting the Company via official support channels. Certain data may be retained for legal, regulatory, security, or accounting purposes.
13.9. The User acknowledges and agrees that the Company may transfer, assign, or otherwise delegate its rights and obligations relating to personal data processing, including the role of data controller or processor, to any affiliated entity, successor, or third party as part of a corporate restructuring, business transfer, asset sale, merger, or service migration, without requiring additional consent from the User, provided that such entity ensures an equivalent level of data protection in accordance with applicable data protection laws, including the GDPR.

14. GOVERNING LAW & DISPUTE RESOLUTION

14.1. This Agreement, as well as any disputes, claims, or matters arising out of or related to it, shall be governed by and interpreted in accordance with the laws of the Republic of Estonia, without regard to conflict of law principles.
14.2. In the event of any disagreement or dispute, the parties shall first attempt to resolve the matter amicably and in good faith through written communication and negotiation.
14.3. If the dispute cannot be resolved through negotiation, the parties agree to participate in a mandatory pre-litigation mediation process administered by a recognized mediator, either online or in Estonia, unless such mediation is prohibited by mandatory law.
14.4. Subject to Section 14.3, any unresolved dispute shall be submitted exclusively to the Harju County Court (Harju Maakohus) or another competent court of the Republic of Estonia. The User expressly waives the right to initiate proceedings in any other jurisdiction, forum, or venue.
14.5. To the maximum extent permitted by law, disputes must be brought individually, and the User waives any right to participate in class actions, collective claims, representative actions, or group litigation.
14.6. The official language of this Agreement and any related proceedings shall be English, unless required otherwise by mandatory procedural law.

15. MISCELLANEOUS & FINAL PROVISIONS

15.1. This Agreement constitutes the entire understanding between the parties concerning the Service and supersedes all prior or contemporaneous agreements, representations, discussions, or understandings, whether written, verbal, published or implied, regarding its subject matter.
15.2. The Company may update or modify the terms of this Agreement at any time. Changes become effective upon publication on the Website or Platform. Continued use of the Service after such changes constitutes acceptance of the updated terms.
15.3. If any provision of this Agreement is found to be invalid, unlawful, unenforceable, or contrary to mandatory law, such provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain fully valid and effective.
15.4. Failure by the Company to enforce any provision or exercise any right under this Agreement shall not be considered a waiver of such right or provision, unless expressly stated in writing.
15.5. The User may not transfer, sell, assign, sublicense, delegate, or otherwise dispose of any rights or obligations arising under this Agreement. The Company may assign its rights or obligations to affiliated entities or successors as part of corporate restructuring, merger, asset transfer, or business acquisition without requiring User consent.
15.6. Nothing in this Agreement creates a partnership, joint venture, fiduciary duty, employment, agency, or franchise relationship between the parties.
15.7. The Company shall not be liable for delays, failures, or interruptions caused by circumstances beyond its reasonable control, including but not limited to: natural disasters, wars, acts of terrorism, government actions, strikes, pandemics, utility failures, cyberattacks, or widespread technology disruptions.
15.8. All official notices, requests, or inquiries must be submitted via the Company’s designated support email address or communication channel as indicated on the Website or Platform.
15.9 The Company reserves the right, at its sole discretion and without requiring the User’s prior consent or providing individual notice, to assign, transfer, novate, or otherwise convey this Agreement, the Service, the Subscription, and all related rights and obligations, in whole or in part, to any affiliated entity or to any third party, including as part of a corporate restructuring, operational migration, change of service provider, merger, asset transfer, or business reorganization. Such transfer shall not affect the validity of this Agreement, the User’s access to the Service, or the continuity of the Subscription, and shall not constitute grounds for termination, refund, or compensation. By accepting this Agreement, the User expressly consents in advance to any such assignment or transfer.

Contact Details
Trading Education OÜ
Tähesaju tee 21-114, Lasnamäe, Tallinn, Harju maakond 13917, Estonia
Email: support@thomaskralow.com