Last Updated: 14 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 access to and use of the Company’s subscription-based digital community and informational service known as “DOM KRALOVYKH” (the “Service”), including access to closed Telegram channels and chats, Zoom sessions, digital materials, community interaction formats, and related functional features, and applies to any natural or legal person who registers, accesses, purchases, or otherwise uses the Service (the “User”, “Client”, “you”, or “your”).

By accepting this Offer, including by subscribing via a Telegram bot, 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 of age, have full legal capacity under the applicable laws of your jurisdiction, and are not restricted or prohibited from accessing or using similar digital community or informational subscription services.

If you do not agree with any provision of this Agreement, you must refrain from registering for, accessing, purchasing, or using 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 subscription-based digital community and informational service known as “DOM KRALOVYKH”, provided by the Company, which includes access to Telegram channels and chats, Zoom sessions, digital materials, recorded and live content, and community interaction formats, as determined by the Company.

1.2. “Subscription” means the prepaid right to access the Service for a fixed period of one (1) month, three (3) months, or six (6) months, granted to the User following successful payment. The Subscription does not guarantee any minimum volume of content, sessions, or interaction.

1.3. “Platform” means the Telegram bot, Telegram channels and chats, Zoom, and any other digital systems designated by the Company through which the Service is accessed.

1.4. “User Account” means the User’s Telegram account and/or any other access credentials used to access the Service.

1.5. “Subscription Fee” means the monetary amount paid by the User solely for access to the Service for the selected Subscription Term. The Subscription Fee does not constitute an investment, deposit, capital contribution, or financial product of any kind.

1.6. “Materials” means any digital content made available within the Service, including posts, messages, audio, video, Zoom recordings, templates, guides, examples, and other informational resources.

1.7. “Community Spaces” means private Telegram chats, channels, Zoom rooms, and other restricted digital environments operated by the Company for Users of the Service.

1.8. “Applicable Law” means the laws of the Republic of Estonia, together with any mandatory consumer or data protection laws applicable to the User.

1.9. “Notice” means any official communication sent to the User via Telegram, email, or other digital channels designated by the Company.

2. NATURE AND SCOPE OF THE SERVICE

2.1. The Company provides access to a subscription-based digital community and informational service (the “Service”), which includes access to closed Telegram channels and chats, Zoom sessions, digital materials, recorded and live content, community interaction formats, and thematic discussion spaces, as well as other non-personalized informational and community-based elements.

2.2. The Service is provided as a single unified subscription product. No VIP, mentoring, advisory, investment, or premium consulting packages are offered as part of the Service, unless expressly stated otherwise on the official product page.

2.3. The Service may include live or recorded sessions, discussions, podcasts, challenges, events, and contributions by moderators, curators, and invited guest speakers, which are provided in a general informational and community format and not as individualized services.

2.4. Participation of moderators, curators, or invited speakers is subject to scheduling, availability, and format decisions made by the Company and does not guarantee any minimum number of appearances, sessions, or specific forms of interaction.

2.5. The Service does not constitute and shall not be interpreted as individualized consulting, coaching, mentoring, investment, financial, legal, or tax advice and does not include personalized recommendations, mandatory instructions, or guarantees of results.

2.6. All content, sessions, discussions, materials, opinions, and examples provided within the Service are informational and community-based only and must not be relied upon as professional, financial, investment, or business advice.

3. SUBSCRIPTION TERM AND ACCESS RULES

3.1. The Service is provided to the User on a fixed-term subscription basis for one (1) month, three (3) months, or six (6) months, depending on the plan selected by the User on the purchase page (the “Subscription Term”).

3.2. Subscriptions renew automatically unless canceled by the User before the end of the current Subscription Term through the Telegram bot or payment system.

3.3. Access to the Service is activated automatically after successful payment confirmation via the Company’s Telegram bot or payment system. The date and time of payment confirmation shall be deemed the official commencement date of the Subscription Term.

3.4. During the Subscription Term, the User is granted access to the Service, including Telegram channels, chats, Zoom sessions, and digital materials, within the scope of the selected plan. The Service is not tied to any guaranteed number of sessions, speakers, events, or materials unless expressly stated on the official product page.

3.5. Access to the Service is personal, individual, and non-transferable. The User must not share access credentials, grant access to third parties, resell, transfer, sublicense, or otherwise make the Service available to any other person.

3.6. The Company may temporarily suspend, limit, or restrict access to the Service or certain components for maintenance, updates, moderation, security, or operational reasons. Such temporary interruptions do not constitute a breach of this Agreement and do not entitle the User to any refund, compensation, or extension of the Subscription Term.

3.7. Upon expiration of the Subscription Term, access to the Service (including Telegram channels, chats, and Zoom participation) is automatically terminated unless the User purchases a new subscription.

3.8. The Subscription Term cannot be paused, frozen, transferred, or carried over, and unused time is not refundable, unless the Company expressly agrees otherwise in writing.

4. PAYMENT TERMS & BILLING

4.1. The Service is offered on a subscription basis. The applicable fee depends solely on the selected subscription term (one month, three months, or six months) and is displayed to the User in the Telegram bot or payment interface before payment is made.

4.2. The prices of the Service are as follows (unless otherwise displayed at the time of payment): 1 month, 3 months, 6 months.

The exact amount payable in USD, EUR, or RUB is determined and displayed on the payment screen at the time of purchase and shall prevail over any other price references.

4.3. All payments are made on a prepaid basis. The User must pay the full subscription fee in advance in order to obtain or continue access to the Service.

4.4. The Company does not offer installment plans, reservations, deposits, or deferred payments for the Service unless explicitly stated on the official product page.

4.5. Payments are processed through Telegram-based payment systems or third-party payment providers integrated into the Telegram bot. The Company does not accept cash, wire transfers, or off-platform payments.

4.6. The Company does not store full payment card, wallet, or banking details and shall not be liable for payment processor fees, exchange rate conversions, blockchain network charges, delays, failed transactions, or technical issues related to third-party payment providers.

4.7. By making any payment, the User confirms that such payment constitutes full and unconditional acceptance of this Agreement.

5. REFUND, WITHDRAWAL & CANCELLATION POLICY

5.1. The Service is a digital subscription-based product delivered by granting access to Telegram channels, chats, Zoom sessions, and digital materials. The Service is deemed commenced once access is activated (i.e., when the User is granted access to any part of the Service).

5.2. Due to the digital and community-based nature of the Service and the immediate access provided upon payment, all subscription fees are non-refundable once access is activated, except as expressly provided in Section 5.4.

5.3. The User may cancel renewal of the subscription at any time through the Telegram bot or payment system. Cancellation stops future billing but does not entitle the User to any refund, credit, or prorated compensation for the current Subscription Term.

5.4. Errors and technical failures. The Company may issue a refund or correct a payment only in cases of clear technical or billing error, including where: (a) the User was charged twice for the same subscription period; or (b) payment was confirmed but access was not granted due to a technical failure on the Company’s side and the Company was unable to provide access within a reasonable time.

5.5. All refund or error requests must be submitted in writing via the Company’s official support channel and must include sufficient payment identification details (name/contact, date and amount, transaction ID, and a brief description of the issue). Requests made via personal messengers, Telegram chats, or social media shall not be considered valid.

5.6. No refunds, credits, partial refunds, or prorated reimbursements are issued for unused time, lack of participation, cancellation, or dissatisfaction with the Service.

5.7. Initiating a chargeback or payment dispute without first contacting the Company through the official support channel and without valid grounds under Section 5.4 constitutes a material breach of this Agreement. The Company may submit evidence to the payment provider, terminate access, and pursue all legal remedies.

6. SERVICE VALUE CONTINUITY

6.1. The Company develops and operates the Service in accordance with its community strategy, content roadmap, and technical capabilities. The structure, content, formats, and functional elements of the Service may be updated, modified, expanded, or reorganized at any time in order to improve quality, relevance, or user experience.

6.2. If the User reasonably believes that they do not fully understand or are unable to navigate or benefit from the available Service components, the User may contact the Company via the official support channel for technical or organizational clarification regarding access, navigation, or available features.

6.3. The Company may, at its sole discretion, provide additional community or informational support, including supplementary materials, Q&A sessions, clarification posts, community events, or alternative interaction formats. Such measures are voluntary, non-obligatory, and do not form part of any guaranteed service level.

6.4. Nothing in this Agreement constitutes or shall be interpreted as any promise, guarantee, or assurance of financial, investment, business, income, trading, or personal results. The User remains solely responsible for how any information obtained through the Service is interpreted or applied.

6.5. Any discretionary actions taken by the Company to enhance the informational or community value of the Service shall not constitute a refund, compensation, price reduction, extension of the Subscription Term, or a modification of the Refund Policy set forth in Section 5.

6.6. The User acknowledges that the value derived from the Service depends on the User’s own participation, engagement, and use of the community and materials. Lack of activity or engagement does not create any additional obligations on the part of the Company.

7. USER RESPONSIBILITIES & PROHIBITED CONDUCT

7.1. The User shall use the Service and all Telegram-based community spaces solely for lawful purposes and in accordance with this Agreement, and shall not engage in any conduct that may harm the Company, the community, other Users, or the integrity of the Service.

7.2. All decisions taken based on or influenced by the Service are made independently and at the User’s own risk. The Company does not assume responsibility for how any information is interpreted or applied.

7.3. The User shall not copy, distribute, forward, record, sell, resell, disclose, or make available any Materials, Telegram messages, Zoom sessions, private discussions, or any Service-related content, including screenshots, recordings, transcripts, summaries, or derivative works.

7.4. Without limitation, the following actions constitute prohibited conduct and a material breach of this Agreement:

(a) Communication violations

– offensive, abusive, discriminatory, threatening, humiliating, or provocative messages;

– harassment, bullying, intimidation, or pressure on other Users;

– deliberate provocation of conflicts or disruption of the community atmosphere.

(b) Spam and system abuse

– mass or repetitive posting of low-value or meaningless messages;

– flooding, excessive emoji use, or use of ALL CAPS;

– automated or bot-based messaging;

– intentional cluttering or disruption of chats.

(c) Advertising and self-promotion

– posting any advertising, affiliate, referral, commercial, or promotional content without prior written approval;

– hidden advertising, including indirect promotion through messages, images, or private chats

– offering paid products or services to other Users without authorization.

(d) Topic and moderation violations

– systematic posting of off-topic content;

– ignoring instructions from moderators or administrators regarding chat rules or topic focus.

(e) Prohibited and illegal content

– pornographic, extremist, violent, shocking, or unlawful materials;

– content infringing third-party rights, including copyright or privacy;

– disclosure of personal data of third parties without consent (doxxing).

(f) Fraudulent or harmful activity

– deception or attempts to mislead other Users;

– phishing, financial schemes, or suspicious investment offers;

– distribution of malicious links, files, or software.

(g) Subscription and payment abuse

– initiating chargebacks, refunds, or payment disputes after access has been granted

– sharing or reselling access to third parties;

– attempts to bypass payment or technical restrictions;

– using the Service without an active paid subscription.

7.5. Any violation of this Section authorizes the Company to immediately suspend or permanently terminate the User’s access to the Service without refund or compensation.

7.6. The Company may use technical, administrative, or moderation tools to enforce these rules, including removal of content, restriction of posting rights, or permanent removal from the community.

8. INTELLECTUAL PROPERTY RIGHTS

8.1. All materials, posts, messages, recordings, content, graphics, text, audio, video, concepts, frameworks, chat content, Zoom sessions, digital files, 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.

8.2. The User is granted a limited, personal, non-transferable, non-exclusive, and revocable license to access and use the Service solely for personal, non-commercial purposes during an 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 Telegram chats, Zoom sessions, or other community spaces shall be treated as confidential and may not be recorded, published, or distributed outside the Service without the express prior written consent of both the content owner and the Company.

8.6. The Company reserves the right to monitor access logs, login locations, activity records, and content usage and may use automated or manual systems to detect and prevent unauthorized copying, sharing, or distribution.

8.7. Any violation of this Section constitutes a material breach of this Agreement and may result in immediate termination of access without refund, as well as legal action, including claims for damages, injunctions, and recovery of enforcement costs.

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

9.1. The Service, all Telegram and Zoom environments, Materials, discussions, examples, and any other components provided by the Company are strictly informational and community-based in nature and must not be considered or relied upon as: (a) investment, financial, trading, tax, legal, or business advice; (b) personalized coaching, consulting, mentoring, or tailored recommendations; (c) any instruction, directive, or obligation to take or refrain from any action.

The User must seek independent advice from qualified professionals before making any financial, legal, business, or investment decisions.

9.2. The User acknowledges that the Company does not evaluate or monitor the User’s financial situation, goals, experience, or risk tolerance and that any use of the Service is entirely at the User’s own discretion and risk.

9.3. The Company is not acting as a broker, dealer, investment adviser, portfolio manager, trustee, or any other regulated financial or advisory entity, and no fiduciary duty or special relationship is created between the Company and the User.

9.4. The Service is provided “as is” and “as available”, without any guarantees, warranties, or representations, including with respect to profitability, income, financial results, business success, or continuity of access.

9.5. The User bears full and exclusive responsibility for any decisions, actions, or strategies based on the Service. The Company shall not be liable for any losses, missed opportunities, or unmet expectations.

10. LIMITATION OF LIABILITY

10.1. To the maximum extent permitted by Applicable Law, the Company, its owners, directors, employees, moderators, contractors, affiliates, and partners shall not be liable for any direct, indirect, incidental, consequential, punitive, reputational, commercial, or special damages, including loss of profit, income, capital, opportunities, data, or business expectations arising from or related to the Service.

10.2. The Company shall not be liable for: (a) any decisions, actions, strategies, or omissions made by the User; (b) any reliance placed by the User on information obtained through the Service; (c) any consequences related to Telegram, Zoom, payment providers, or any third-party platforms; (d) any errors, misunderstandings, or misinterpretations of content; (e) market conditions, financial losses, business outcomes, or regulatory changes.

10.3. The Company does not guarantee uninterrupted access, uptime, or stability of the Service and shall not be liable for interruptions caused by maintenance, moderation actions, technical issues, cyber incidents, platform outages, or force-majeure events.

10.4. If liability cannot be excluded under applicable law, the Company’s total liability shall be limited to the amount actually paid by the User for the most recent subscription period.

10.5. No refund, compensation, or extension shall apply where any issue results from the User’s violation of this Agreement.

10.6. The Service may include links, integrations, or references to third-party services, including Telegram, Zoom, and payment systems. The Company is not responsible for their availability, policies, data processing, or performance.

11. SERVICE MODIFICATIONS, SUSPENSION & TERMINATION

11.1. The Company may, at any time and in its sole discretion, modify, update, restructure, limit, expand, replace, or discontinue any part of the Service, including Telegram chats, channels, Zoom formats, content, features, or access rules, for legal, technical, commercial, moderation, or strategic reasons.

11.2. 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.

11.3. 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.

11.4. 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.

11.5. 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.

11.6. Sections relating to intellectual property, confidentiality, prohibited conduct, liability, and dispute resolution shall survive termination or expiry of this Agreement.

11.7. Certain features or content may be released in beta or experimental form and may be changed or removed at any time without obligation to maintain them.

12. DATA PRIVACY & CONFIDENTIALITY

12.1. The Company processes personal data in accordance with applicable data protection laws, including the EU General Data Protection Regulation (GDPR), for purposes of account management, subscription processing, service delivery, communication, security, and legal compliance.

12.2. By using the Service, the User consents to the processing of identification, contact, payment, technical, and usage data necessary to operate the Service.

12.3. All non-public content shared in Telegram chats, Zoom sessions, or within the community shall be treated as confidential and may not be disclosed outside the Service without written permission.

12.4. The Company applies reasonable security measures but does not guarantee absolute protection against data breaches or third-party platform failures.

12.5. User data may be processed by Telegram, Zoom, payment providers, hosting platforms, and CRM systems, which may store or process data outside the User’s country.

12.6. Communications and Marketing Consent. The User agrees to receive service-related and transactional communications that are strictly necessary for the operation of the Service, including access notifications, payment confirmations, technical messages, policy updates, and other essential information related to the performance of this Agreement. Marketing or promotional communications, including messages about updates, new features, content releases, community events, or offers, are sent only where the User has provided a separate and explicit consent in accordance with the Privacy Policy. The User may withdraw consent to receive marketing communications at any time, without affecting access to the Service or receipt of mandatory service-related communications, by using the opt-out mechanism provided or by contacting the Company through the official support channel.

12.7. Marketing Communications. Marketing communications, including newsletters, promotional messages, updates about new content, features, community events, special offers, or other non-essential information related to the Services, are sent to the User only on the basis of the User’s separate and explicit consent. Such consent is not a condition for accessing or using the Service and may be granted or withheld at the User’s discretion. The User may withdraw consent to receive marketing communications at any time, without any negative consequences, by: (a) using the unsubscribe or opt-out mechanism provided in the relevant message; or (b) contacting the Company via the official support channel. Withdrawal of consent to marketing communications does not affect the User’s access to the Service or the receipt of mandatory service-related or transactional communications.

12.8. The User may request access, correction, or deletion of personal data as permitted by law via the Company’s official support channel.

13. GOVERNING LAW & DISPUTE RESOLUTION

13.1. 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.

13.2. 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.

13.3. 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.

13.4. Any unresolved dispute shall be submitted exclusively to the Harju County Court (Harju Maakohus), Republic of Estonia. The User expressly waives the right to initiate or participate in proceedings in any other jurisdiction, forum, or venue, except where such waiver is prohibited by mandatory law.

13.5. 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.

13.6. The official language of this Agreement and any related proceedings shall be English, unless required otherwise by mandatory procedural law.

14. MISCELLANEOUS & FINAL PROVISIONS

14.1. 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.

14.2. The Company may update or modify the terms of this Agreement at any time. Changes become effective upon publication in the Telegram bot, Telegram channel, or other official Platform. Continued use of the Service after such changes constitutes acceptance of the updated terms.

14.3. 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.

14.4. 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.

14.5. 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.

14.6. Nothing in this Agreement creates a partnership, joint venture, fiduciary duty, employment, agency, or franchise relationship between the parties.

14.7. 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.

14.8. 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.

Contact Details

Trading Education OÜ

Tähesaju tee 21-114, Lasnamäe, Tallinn, Harju maakond 13917, Estonia

Email: support@thomaskralow.com