Terms

1. General

These Terms govern the use of Tickerista available at tickerista.com (the "Service"), including the purchase of paid memberships.

The Service is provided and sold by JDN Justyna Dawidowicz, ul. Moderska 12A, 62-062 Strykowo, tax ID 7773356501, Przedsiębiorca wpisany do Centralnej Ewidencji i Informacji o Działalności Gospodarczej (CEIDG) (the "Provider"). Contact: contact@tickerista.com.

2. Definitions

• User – anyone using the Service.
• Consumer – a User acting for purposes outside their trade, business or profession.
• Account – a User's individual access to the Service.
• Membership – paid, auto-renewing access to a selected tier (spaces, courses, live events and recordings).
• Billing period – a month, a quarter or a year, as selected.

3. Nature of the content

All content in the Service is for educational and informational purposes only. It is not investment advice, a recommendation, tax or legal advice, or an offer to buy or sell any financial instrument. You make your own investment decisions at your own risk. Past performance does not guarantee future results.

4. Technical requirements

You need an internet-connected device, an up-to-date browser with JavaScript and essential cookies enabled, and an active e-mail address. Video and live events are played via the Vimeo player.

5. Account

Creating an Account is free; you sign in with a link sent to your e-mail or with Google. Keep your details accurate and do not share your Account. You can ask us to delete your Account at any time at contact@tickerista.com.

6. Membership and prices

Current tiers and prices (including applicable taxes) are shown on the purchase page before you order. If an offer includes a free trial, its length is shown next to the price; after the trial the Membership becomes paid unless you cancel before it ends.

7. Contract and recurring payments

The contract is concluded when the first payment is confirmed (or the trial starts). Before purchase you accept these Terms and the Privacy Policy.

Payments are processed by Stripe Payments Europe, Ltd. (Stripe). The Membership renews automatically for successive Billing periods and is charged to your saved payment method at the start of each period until you cancel. Card details are processed only by the payment provider; the Provider never receives them.

Receipts and invoices are available in your Account settings ("My membership") and sent by e-mail.

8. Cancellation

You can cancel at any time in your Account settings ("Manage billing") or by writing to contact@tickerista.com. Cancellation stops future renewals; access continues until the end of the paid Billing period. Fees for a started period are not refunded, without prejudice to Consumer rights below.

9. Right of withdrawal (EU/UK Consumers)

Consumers in the EU/UK may withdraw from a distance contract within 14 days of its conclusion without giving a reason, by notifying us at contact@tickerista.com. A model withdrawal form is available on the "Withdrawal form" page (linked in the footer of every page and on the purchase page); using it is optional.

The Membership provides digital content and a digital service. If, before purchase, you expressly requested immediate access and acknowledged that you lose your right of withdrawal, the right of withdrawal does not apply to digital content supplied immediately; for the digital service, the statutory rules on withdrawal apply. [TO BE REVIEWED BY A LAWYER: classification as digital content / digital service and withdrawal consequences; consumer rules outside the EU/UK.]

Refunds are made without undue delay and no later than 14 days after we receive the notice, using the original payment method.

10. Complaints

The Provider is responsible for the conformity of the digital content and services with the contract. Send complaints to contact@tickerista.com; we reply within 14 days.

11. Community rules

Do not post unlawful, abusive or infringing content, spam or advertising without permission. Sponsored content must be clearly labelled. Moderators may hide content that breaches these Terms and, for serious or repeated breaches, suspend the Account; you may appeal at contact@tickerista.com.

Courses, recordings and materials are protected by copyright and licensed for your personal use only; copying, recording and redistribution are prohibited.

12. Liability

We aim to keep the Service available but may need technical breaks, announced in advance where possible. We are not liable for investment decisions made on the basis of the content (section 3). Nothing in these Terms limits liability that cannot be limited by law.

13. Personal data

How we process personal data is described in the Privacy Policy and the Cookie Policy.

14. Changes

We may change these Terms for valid reasons (changes in law, payment methods, new features), giving at least 14 days' notice; if you do not agree you may cancel before the change takes effect. Price changes apply to future Billing periods and are announced in advance.

15. Governing law

These Terms are governed by Polish law. This does not deprive Consumers of the protection of mandatory provisions of the law of their country of habitual residence.