TERMS OF SERVICES
for the Provision of Informational and Consulting ServicesLast updated: 16 October 2025
These Terms of Services (the “Agreement” or the “Offer”) are issued by
Trading Education OÜ (“
we”, “
our”, or the “
Company”), a private limited company incorporated under the laws of the Republic of Estonia (registry code
17156734), with its registered office at
Tähesaju tee 21-114, Lasnamäe, Tallinn, Harju maakond 13917, Estonia.This Offer applies to any individual or legal entity (“you”, the “Client” or “User”) who participates in or intends to receive our informational and consulting services, whether provided free of charge or on a paid basis, and accepts these Terms by completing registration, submitting an application form, making payment (where applicable), or performing any other action that clearly indicates consent.
By accepting this Offer, you confirm that you have read, understood, and agreed to be legally bound by these Terms. This Agreement defines the framework, scope, and procedure for the provision of our informational and consulting services and sets out the respective rights and obligations of the parties.
- KEY TERMS
“Program” refers to the informational and consulting program conducted by the Company, which may include various thematic modules, online events, or challenges offered on a free or paid basis, as described on the respective registration or purchase pages.
“Services” mean access to informational materials, digital content, live or recorded sessions, communication channels, and related consulting support delivered as part of the Program, as well as any optional upgrades, extensions, or supplementary informational products offered through the same platform.
“Access Options” refer to the different participation formats available under or in connection with the Program, which may vary in content, duration, or included features, as specified on the relevant registration or payment pages.
“Website” means the Company’s official online platform or any other authorized system through which the Program is delivered and the Services are provided.
“Payment” means any completed financial transaction confirming participation in a paid access option of the Program. Free participation does not require payment but remains subject to these Terms.
“Abusive Behavior” refers to any form of inappropriate, offensive, or disruptive conduct by the User within the Program’s digital environment, including but not limited to hate speech, harassment, spam, unauthorized advertising, aggressive or disrespectful communication, or any actions that negatively affect other participants or the integrity of the Program’s community spaces (e.g., chats, private groups, or live sessions).
“Acceptance of Offer” means the User’s explicit consent to be legally bound by the terms of this Agreement. Such acceptance may be expressed by any clear and affirmative action, including but not limited to completing registration, submitting an application form, making payment (where applicable), clicking an “I Agree” checkbox, or replying to an email confirming familiarity with this Agreement and intention to participate in the Program.
2.DESCRIPTION OF SERVICES2.1. The Program is an informational and consulting initiative developed to provide participants with structured insights, practical frameworks, and analytical understanding within the chosen topic or field. It may include online sessions, digital materials, consulting discussions, or thematic challenges designed to support the User’s individual or business-related decision-making processes. The Program is delivered entirely online through the Company’s designated digital platform or any authorized system.
2.2. The Program provides access to informational materials, consulting resources, and related digital content either immediately upon registration (for free access) or after payment confirmation (for paid participation). Participants may engage with the content at their own pace, unless otherwise specified. Access to Program materials and community channels is generally provided on a lifetime basis, unless a different term or specific event duration is indicated on the registration or purchase page. Optional extensions, upgrades, or supplementary products may include additional features or access conditions described on their respective pages.
2.3. Under this Agreement, the Company provides informational and consulting Services, which may include: a) access to digital informational materials, documents, or pre-recorded sessions; b) participation in online discussions, webinars, or live informational calls (where available); c) general informational and consulting support from the Company’s team, provided on a discretionary and non-continuous basis, without any obligation to individual consulting or mentorship; d) access to private communication groups, forums, or community spaces (if applicable); e) participation in limited-time promotional or incentive activities (if announced by the Company).
2.4. The Program may include different participation formats or access options that vary in content, duration, or included features, as specified on the respective registration or payment pages.
2.5. By registering or making payment, you confirm that you have reviewed the official description of the Program and its content as presented on the Company’s website or sales page. You acknowledge that the Program’s structure, scope, and features have been clearly explained to you prior to participation, and you have no claims or misunderstandings regarding the nature, duration, or content of the Services.
2.6. All Services provided under the Program are strictly informational and consulting in nature. They do not constitute investment, financial, legal, or educational advice under any applicable laws. You acknowledge that your experience and results depend solely on your individual actions, decisions, and level of engagement.
3. PAYMENT TERMS 3.1. Participation in the Program may be offered free of charge or on a paid basis. Free participation does not require payment; however, by completing registration you acknowledge and accept these Terms in full. Participation in any paid access option is provided on a 100% prepayment basis. You must complete full payment for the selected option before access to the corresponding materials and related Services is granted. All prices are stated in U.S. dollars (USD) and include applicable taxes, unless otherwise specified on the payment page.
3.2. Payments are processed through secure online payment systems available at the time of purchase. You may pay using international bank cards, supported digital wallets, or other authorized electronic payment methods. Where technically supported, alternative payment channels may also be available. You are responsible for any currency conversion fees, network costs, or transaction commissions charged by your payment provider.
3.3. By making payment, you confirm that you have read, understood, and agreed to this Offer in full. Your payment constitutes full and unconditional acceptance of this Agreement and has the same legal effect as signing a written contract under § 11 of the Estonian Law of Obligations Act and Article 6 of the EU E-Commerce Directive (2000/31/EC).
3.4. All payments are processed through encrypted, PCI-compliant channels that meet international data protection and payment industry standards. The Company does not collect or store your complete payment information and is not responsible for any technical errors, delays, or interruptions caused by third-party payment systems.
4. REFUND POLICY 4.1. The Company provides a 14-day voluntary money-back guarantee for all paid participation options under the Program, starting from the date of payment. This guarantee does not apply to free participation, which is provided without payment.
4.2. To request a refund, you must contact the Company in writing via the official email address indicated on the Website and include your full name, payment details, and the email address used during purchase. The Company may request limited information to verify your identity and confirm the transaction.
4.3. Refunds will be issued to the same payment method originally used for the transaction, unless technically impossible. Approved refunds are processed within thirty (30) calendar days from the date of confirmation by the Company.
4.4. The 14-day money-back guarantee applies only to paid access options. The guarantee covers the full amount paid, provided the refund request is submitted within fourteen (14) calendar days of payment, regardless of whether the Program materials were accessed.
4.5. Refunds will not be provided: a) after the 14-day period has expired; b) in cases of repeated or abusive refund requests from the same User; c) for payments made through unauthorized channels or third-party resellers.
4.6. This refund policy constitutes a voluntary customer guarantee, not a statutory right of withdrawal under EU consumer law. The Program represents an informational and consulting service, and the refund guarantee is offered in good faith to ensure client satisfaction.
5. SERVICE DELIVERY5.1. All Services under this Agreement are provided remotely through an online platform or other digital system authorized by the Company. Access details are provided after successful registration (for free participation) or, in the case of paid options, after payment confirmation.
5.2. Service delivery begins once your participation has been confirmed or, where applicable, on the official Program start date as indicated on the Website. By completing registration or payment, you expressly consent to the immediate start of Service delivery.
5.3. Upon activation, you gain access to the informational materials, digital resources, or consulting content included in the Program. Participants may interact with the content at their own pace, unless otherwise specified. Access to Program materials and community resources is generally provided on a lifetime basis, unless a shorter access period or specific event duration is stated on the registration or purchase page. Optional or supplementary products may have distinct access conditions described on their respective pages.
5.4. The Company may, at its discretion, provide general informational assistance or responses to participant inquiries through designated communication channels. Such interaction is not guaranteed, is limited in scope, and shall not be interpreted as an obligation to provide ongoing or individualized consulting, advisory, or technical support.
5.5. The Company’s obligations are deemed fully performed once access to the Program content and communication channels has been granted. Any additional interaction, including community participation, discussions, or updates, is provided solely as an optional benefit and does not constitute part of the core Service package.
5.6. Your access to the Program is personal and non-transferable. You may not share, resell, sublicense, or otherwise disclose Program materials, login credentials, or any other content to third parties without the Company’s prior written consent.
5.7. The Company reserves the right to make changes to the content, structure, format, or delivery method of the Program at any time, provided that such modifications do not materially reduce the overall value or scope of the Services. All updates, substitutions, or reorganizations of Program content shall be considered part of the ongoing Service.
6. LIMITATION OF LIABILITY AND DISCLAIMERS6.1. All Services provided under this Agreement are informational and consulting in nature. They are intended solely to provide general knowledge, situational understanding, and structured decision-support concepts. The Program does not include, and shall not be interpreted as, financial, investment, legal, tax, or educational advice, nor does it involve any fiduciary duties or portfolio management activities.
6.2. The Company does not guarantee that participation in the Program, or use of any related informational materials, will lead to any specific outcome, result, or improvement. Your individual progress and experience depend entirely on your own actions, decisions, and level of engagement.
6.3. To the fullest extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, or consequential damages — including, but not limited to, loss of profit, opportunity, goodwill, or data — arising out of or in connection with your participation in the Program or reliance on its materials. In any case, the Company’s total aggregate liability, if established, shall not exceed the total amount actually paid by you for the relevant paid access option of the Program.
6.4. The Company shall not be responsible for the performance, availability, or security of any third-party services, systems, or platforms used to deliver the Program, including but not limited to payment processors, hosting providers, and communication tools. Any interruptions, delays, or access issues related to such systems are beyond the Company’s reasonable control and do not constitute a breach of its obligations.
6.5. You acknowledge and agree that any actions, interpretations, or decisions made based on the information obtained through the Program are taken entirely at your own discretion and risk. You are solely responsible for evaluating, applying, or relying upon any information provided under the Program.
7. INTELLECTUAL PROPERTY AND CONFIDENTIALITY7.1. All materials, frameworks, texts, visuals, recordings, digital content, and any other information or resources made available under the Program (collectively, the “Materials”) are and shall remain the exclusive intellectual property of the Company or its authorized licensors. Your access to the Materials is limited to personal, non-commercial use within the scope of this Agreement. No ownership rights or intellectual property licenses are transferred to you under this Agreement.
7.2. You may not reproduce, copy, share, distribute, publicly display, transmit, modify, or otherwise make the Materials available to any third party without the Company’s prior written consent. Any unauthorized use, alteration, or resale of the Materials constitutes a material breach of this Agreement and may result in immediate termination of access without refund, in addition to other legal remedies available to the Company.
7.3. You agree to treat as confidential all non-public information obtained through your participation in the Program, including but not limited to business processes, internal methods, communication content, or any private interactions within community spaces. You shall not disclose or use such information for any purpose other than your personal participation in the Program.
7.4. All trademarks, trade names, service marks, logos, and other brand identifiers used in connection with the Program are the property of the Company, its affiliates, or respective owners. You may not use, reproduce, display, or reference these identifiers for any promotional, commercial, or derivative purpose without the Company’s prior written authorization.
8. TERMINATION OF ACCESS 8.1. Your participation in the Program remains valid for as long as the Program platform is operational and your account complies with the provisions of this Agreement. The Company reserves the right to suspend or terminate your access — temporarily or permanently — if you violate any term of this Agreement, engage in abusive behavior, share or misuse Materials, or otherwise compromise the integrity or security of the Program. Termination may also occur if the Program is discontinued, reorganized, or replaced with a new format.
8.2. Upon termination or expiration of this Agreement, any provisions that by their nature are intended to survive — including, but not limited to, those relating to intellectual property, confidentiality, limitation of liability, payment obligations, dispute resolution, and governing law — shall remain in full force and effect.
9. GOVERNING LAW AND DISPUTE RESOLUTION9.1. This Agreement, and any matters arising out of or related to it, shall be governed by and construed in accordance with the laws of the Republic of Estonia, without regard to its conflict of law principles.
9.2. The Parties shall make reasonable efforts to resolve any disputes, claims, or disagreements arising from or in connection with this Agreement through good-faith negotiations. If no amicable solution is reached, the dispute shall be submitted to the competent courts of the Republic of Estonia, unless otherwise required by mandatory consumer protection laws applicable to the User’s country of residence.
9.3. All communications, notices, and legal proceedings under this Agreement shall be conducted in the English language, unless the Parties expressly agree otherwise in writing.
10.
MISCELLANEOUS10.1. Entire Agreement. This Agreement constitutes the entire understanding between you and the Company regarding the provision of informational and consulting Services and supersedes all prior communications or agreements, whether written or oral.
10.2. Amendments. The Company may update or modify this Agreement from time to time. The most recent version will always be available on the Company’s official Website. Your continued participation in the Program after such updates take effect constitutes your acceptance of the revised terms.
10.3. Notices. All official communications and notices shall be made in writing via the email addresses provided by the Parties, unless another communication channel is expressly designated by the Company.
10.4. Force Majeure. Neither Party shall be liable for any delay or failure in performance caused by circumstances beyond its reasonable control — including acts of nature, war, civil unrest, strikes, government restrictions, or interruptions of hosting, communication, or payment systems. During such events, performance obligations are suspended for the duration of the disruption. Payment obligations remain valid unless the payment system itself is directly affected.
10.5. Privacy and Data Protection. The Company processes personal data in accordance with applicable data protection laws, including the EU General Data Protection Regulation (GDPR) and the Estonian Personal Data Protection Act. Your data is used solely to provide access to the Program, process payments, and maintain communication. By accepting this Offer, you confirm that you have read and agree to the Company’s Privacy Policy, available on its official Website.
10.6. Severability. If any provision of this Agreement is held invalid or unenforceable, the remaining provisions shall continue in full force and effect.
10.7. Language and Interpretation. This Agreement is drafted in the English language. Headings are for reference only and shall not affect the interpretation of any provision.
Contact DetailsTrading Education OÜTähesaju tee 21-114, Lasnamäe, Tallinn, Harju maakond 13917, EstoniaEmail: info@tradingeducationou.com