Terms and Conditions

Dear Customer,

This moment is very important to us. We create our stock trading products and services with a passion for trading, and you are about to purchase one of them from us. For us, trading is a collaboration. Long-term and mutually beneficial. The benefits you gain from our services and content are important to us, and we want you to be as satisfied as possible and fulfill our vision of providing you with first-class stock trading services. Please read the following lines carefully. We comply with legal rules and terms and conditions, and although we do not enjoy administration, these terms and conditions protect both you and us in the event of unexpected events. We hope that this will never happen and that you will become our satisfied customers who will stay with us for many years to come.

Effective from May 17, 2024

The publication and release of new updates to the terms and conditions automatically replace the previous versions.

These general terms and conditions (hereinafter referred to as GTC) apply to products and services (hereinafter referred to as Content) provided by the stockaza.com portal, in particular the Stockaza application, courses, webinars, seminars, and other educational materials published on the websites of Viral Media spol. s r.o.. By ordering a product or service, the user agrees to the GTC and undertakes to comply with the rules set out therein.

1. GENERAL PROVISIONS

1.1. The provider of the content and services is FinovaTech s.r.o., Jičínská 226/17, Žižkov, 130 00 Praha, email: support@stockaza.com (hereinafter referred to as the Provider).

1.2. The user is a natural or legal person who has ordered or is using the Provider’s content and services.

2. SUBJECT OF THE SERVICE

2.1. The subject of the service is the User's right to access the Stockaza application and content in electronic form, depending on the specific product.

2.2. Videos are available in the form of online data streaming. The User acknowledges that high-speed internet access is required to view the videos.

2.3. Videos can only be viewed on devices that support Adobe Flash.

2.4. All works on the stockaza.com website such as the Stockaza application, ebooks, online courses, videos, articles, workshops, webinars, and all created content are protected by copyright.

3. ORDER AND CONCLUSION OF PURCHASE AGREEMENT

3.1. The contractual relationship between the seller and the customer is established by sending the order (not by confirmation). The customer submits the order by clicking the “Submit” button in the order form. From this moment, mutual rights and obligations arise between the customer and the seller, as defined by the purchase agreement and these terms and conditions. By submitting the order, the customer confirms that they are familiar with and agree to these terms and conditions. A valid electronic order requires completion of all required data and fields specified in the sales form. The seller excludes acceptance of the offer with an addition or deviation.

3.2. The product name, a description of its main features, and the price, including information on whether the price includes or excludes VAT, are listed on the selected web interface of the seller. If the price is listed without VAT, the price including the applicable VAT rate is also displayed. The price is also shown in the order form. The sales offer remains valid for as long as it is displayed on the web interface.

3.3. The order form always contains information about the customer, the product or service being ordered, the price including taxes and fees, and the payment method. For online products, delivery costs are not charged. Costs incurred by the customer when using remote communication tools (e.g. internet connection fees, phone calls) in connection with concluding the purchase agreement are borne by the customer and do not differ from the standard rate.

3.4. Information about the individual technical steps leading to the conclusion of the contract is clear from the ordering process, and the customer has the opportunity to check and possibly correct the order before submitting it. The data provided in the order is considered accurate by the seller.

The customer agrees to the use of remote communication tools when concluding the contract.

3.5. The contract is concluded in the English language. The contract and the relevant tax document will be stored in the seller's electronic archive for 5 years from the date of conclusion for the purpose of fulfilling it and will not be accessible to third parties.

3.6. The seller is obliged to deliver the product/service ordered by the customer, and the customer agrees to accept the product/service and pay the purchase price. The obligation to deliver is void in the event of stock unavailability, in which case the customer will be informed.

3.7. The right to use the products/services passes to the customer upon payment of the purchase price and receipt of access credentials.

3.8. The customer understands that proper use of the online application, educational products, and webinars requires up-to-date software. Functionality may be limited when using outdated software or web browsers.

4. PRICE AND PAYMENT METHOD

4.1. The price of products and services, including information on whether the price includes or excludes VAT, is listed on the selected web interface of the seller. If the price is listed without VAT, the price including the applicable VAT rate is also displayed. The price is always shown in the sales form.

4.2. The seller issues a tax document – an invoice – to the customer for payments made under the contract, which serves as proof of purchase. The seller is a VAT payer.

PAYMENT METHOD

4.3. The customer pays the price of the product or service by cashless payment.

4.4. For cashless payments, the payment methods are integrated with the Stripe, Inc. payment gateway, which provides secure technology for accepting card payments and online bank transfers. Card numbers and online banking passwords are entered through a secure and trusted channel of Stripe, Inc.

You can use the following payment methods:

automatic recurring card payment via VISA, VISA Electron, MasterCard, Maestro

RECURRING PAYMENT TERMS - When purchasing a Stockaza license in the form of a subscription

If you purchase a license via subscription in the Stockaza application on stockaza.com, the customer agrees to recurring charges from their card based on the selected tariff. By paying, the customer gains access to the service for the selected period.

Tariffs and terms for recurring payments are listed on the product page and order form.
Information about the amount and form of recurring charges, date and frequency of the charges, and related changes will be sent via email.
Payments are automatically charged semi-annually or annually. First payment occurs at order time; subsequent ones on the same date.
If a fixed-term subscription is chosen, the customer agrees to automatic renewal via card for the entire subscription period.
Recurring payments are stored and managed on Stripe's platform.
7 days before a new charge, the customer is notified by auto-generated email with a proforma invoice.
Canceling recurring payments: You must cancel at least 7 calendar days before the next charge by emailing support@stockaza.com.

5. DELIVERY TERMS

5.1. For the Stockaza application license, online educational products, videos, or memberships, delivery is understood as sending access credentials to the customer's email provided in the order form or via a URL link.

5.2. Access credentials are provided to the customer after payment of the full purchase price, usually within 3 business days, unless stated otherwise.

6. USER RIGHTS AND OBLIGATIONS

6.1. The user may use the electronic content only via internet access. Sufficient connectivity and hardware/software is the user's responsibility.

6.2. The user is not allowed to copy or distribute the content. Copyright is protected.

6.3. If you use the Telegram app for training, you must set up the app so that you have your full name and a real photo.

7. PROVIDER'S RIGHTS AND OBLIGATIONS

7.1. In the case of the Stockaza application and electronic content, the Provider must grant access rights within 3 business days of receiving full payment from the User.

7.2. The Provider has the right to terminate access without compensation if it suspects the User has violated copyright law.

7.3. The Provider also has the right to terminate access without compensation in the following cases:

Any video or content is streamed from more than two different IP addresses within five minutes.
The content appears on third-party websites containing the User's personalized identifiers.
Attempts by the User to technically manipulate the use or playback of content.

7.7. The Provider may reasonably inform the User (e.g., via advertising emails). The User consents to this by providing their email. The Provider must stop upon written request sent to: support@stockaza.com

7.8. If electronic content becomes unavailable, the Provider must extend access for the same duration. The User is not entitled to financial compensation unless otherwise specified.

8. WITHDRAWAL FROM CONTRACT

8.1. Consumer's Right of Withdrawal

If you are a consumer, you have the right under § 1829 para. 1 of the Civil Code to withdraw from the contract within 14 days of delivery of the product or service without giving any reason.

8.2. If you choose to withdraw within this period, please follow these conditions:

No later than 14 days after product/service delivery, a withdrawal request must be sent to the seller.
Send your request to: support@stockaza.com including your order number, full name, and date of purchase.
For premium or custom services, unless otherwise specified on the product page, the provider may charge up to 20% of the total price.

8.3. Provider's Right of Withdrawal

The Seller is entitled to withdraw from the purchase contract without undue delay if it finds that the other party has materially breached the contract. For the purposes of this contract, a material breach includes:

delay by the customer in payment of the purchase price
violation of copyright protection obligations by the customer
sharing access credentials with a third party
accessing the application from multiple IP addresses simultaneously using one username
public sharing of Stockaza application content via screenshots or videos
downloading videos or any other information from the Stockaza application to a computer, cloud, storage, or other digital storage

9. Copyright Protection

9.1. The Stockaza application is a copyrighted work of the Provider, who does not grant the User the right to further distribute the work via electronic or other means or to make it public or available to third parties in any other way.

9.2. The User agrees not to download content or videos from Stockaza onto any offline or online digital storage media. The User also agrees not to record any audio or video of streamed content from Stockaza. Such activities are against the Provider’s wishes and these terms.

9.3. The User agrees not to provide others with the URL where Stockaza content is hosted.

9.4. The User agrees to protect their login credentials (username and password). The User must not allow third parties to log in using their access. If they do, they are fully responsible for any damage caused.

9.5. In case of proven breach of this article, the User shall pay the Provider a contractual penalty of CZK 50,000.

9.6. Viral Media spol. s r.o. may use your name, logo, images, and public posts to describe products and services it provides in advertising materials. You acknowledge and agree that any questions, suggestions, feedback, or contributions provided through the website or in any communication channel are not confidential and may become the exclusive property of the company. The company may use this content without your confirmation or compensation.

10. Rules of Closed Discussion

10.1. The Content may include a closed discussion, if explicitly stated in the offer.

10.2. The User has the right to access the discussion. This is a privilege, not an obligation of the Provider to grant access to the discussion.

10.3. The User is required to provide their real name and upload a profile picture with a visible face in order to access the discussion.

10.4. The User is required to read, confirm, and follow the discussion rules that are available before entering the discussion.

10.5. If a closed forum is operated as part of the Content, the Provider is not obligated to respond to every question. The primary purpose of the discussion is to facilitate interaction among Users, and the Provider does not guarantee active participation. The Provider also reserves the right to revoke the User's access to the closed discussion and delete any posts or files uploaded by the User at any time without explanation or compensation.

11. Disclaimer of Liability

11.1. All products and services provided by our company are intended for educational and informational purposes in the field of trading stocks, commodities, options, or other financial derivatives, online business, and personal development. The information shared via the Stockaza application and by the instructors of online programs and courses is provided solely as guidance and personal opinion.Our company and the instructors are not in any way responsible for your success or failure in applying this information in practice, nor for your feelings, health, or any states you may experience.For the entire duration of using any online product, you remain fully competent and solely responsible for your actions, behavior, and decisions. Your success depends on many additional factors we cannot influence, such as your skills, opportunities, knowledge, abilities, dedication, market conditions, business experience, health, etc. We bear no responsibility for your health or ability to consume the content or perform related activities, nor for any act of force majeure (including during the use of the Stockaza application or training) that may prevent you from doing so. By purchasing any of our services, you declare that you have rationally considered your mental, psychological, and physical condition and are fully capable of using our services.

11.2. In the case of educational products and the use of the Stockaza application, we would like to point out that during online programs you may be exposed to physical, psychological, or emotional stress, and it is entirely your responsibility to decide whether to participate in suggested exercises or tasks. Participation in personal development programs is intended for healthy, self-aware individuals who do not suffer from any mental or psychological disorders.

11.3. Please note that the information contained in our products cannot replace individual consultation with a qualified professional. Nor can they replace medical or psychotherapeutic care. Our products may include references to third-party services or products, which are also merely recommendations or expressions of personal opinion on the subject.

12. Earnings Disclaimer

You agree that no promises or guarantees have been made regarding your future earnings by purchasing products or services from Viral Media spol. s r.o.

Any earnings results are estimates only. There is no guarantee you will achieve the same or any results.

Economic changes may affect your outcomes. Your success depends on many personal factors we cannot control.

We do not accept liability for any losses incurred through use of the Stockaza app, links, or content provided.

13. Defective Performance and Complaints

13.1. Rights and obligations regarding defects are governed by applicable law (esp. §§ 1914-1925, 2099-2117, and 2161-2174 of the Civil Code).

13.2. Complaints will be handled without undue delay, no later than 30 days from submission unless otherwise agreed.

13.3. The Seller is not liable for issues caused by poor internet, outdated browsers, or missing software required to use Stockaza.

13.4. The Seller reserves the right to take Stockaza offline at any time without notice for updates.

13.5. The Seller is not responsible for the accuracy of information within the Stockaza app.

13.6. The Seller will make every effort to fix system outages or data errors caused by third parties as quickly as possible.

14. Out-of-Court Consumer Dispute Resolution

14.1. A satisfied customer is our goal. If you have any suggestions or complaints, you can resolve them directly with us. You can contact us via email: support@stockaza.com or via the chat in the client section.

14.2. If the Client is a Consumer residing in the EU, they have the right to an out-of-court settlement of consumer disputes available in their country of residence. The Client can also use the online dispute resolution platform at the following website: https://www.ec.europa.eu/consumers/odr.

15. Final Provisions

15.1. These terms and conditions are published on the seller's website.

15.2. The customer expressly agrees to be featured for free on the website, social networks, in videos, interviews, and promotional materials.

15.3. The customer must not share access credentials to the Stockaza application with any third party.

15.4. No service provided by the Provider constitutes an investment service or activity as defined by legislation regulating investment services and capital markets.

15.5. The Provider disclaims, to the fullest extent permitted by law, any liability to the customer.

15.6. The governing law is the law of the Czech Republic. In the event of a dispute, the court competent under the Provider's registered office shall have jurisdiction. If the participant is subject to a legal system other than the Czech Republic, they agree to comply with that system at their own responsibility.

15.7. The seller reserves the right to modify additional rights and obligations for selected products beyond these terms and conditions. These additional rules will always be published on the relevant product's website and shall take precedence over these Terms and Conditions.

15.8. In accordance with Act No. 101/2000 Coll. on the Protection of Personal Data, the User agrees that the Provider stores data entered by the User in the order into its database and is entitled to process this data for the purposes of business relations with the User and not to share it with third parties. This consent is granted for the duration of the business relationship with the Provider unless a specific law provides for a longer period. The User acknowledges their rights under §§ 12 and 21 of the Personal Data Protection Act.

15.9. The user understands that all information provided within the Content is intended exclusively for study purposes on topics related to stock trading and does not constitute specific investment or business advice. The Provider is not a registered broker, investment advisor, or trader. Any references in the Content to specific financial products, stocks, commodities, forex, or options are for educational purposes only. The Provider is not responsible for individual users' decisions. Trading and investing in financial instruments involves high risk. Each individual is solely responsible for their own decisions.

15.10. The governing law is the law of the Czech Republic, and in the event of a dispute, the courts of the Czech Republic shall have jurisdiction. If the client is subject to a legal system other than the Czech Republic, they undertake to comply with that system at their own responsibility.

15.11. All communication between the Provider and the User takes place electronically via email.