Terms and Conditions

Version 2.0
Last updated: 13.03.2025

1. INTRODUCTION

1.1. About these Terms.

These Terms and Conditions (the “Terms”) are a contract between you, as an individual (“you/user”), and FinKratt OÜ (“FinKratt/we/us”), a private limited company based in Estonia (company registry code 16712820). These Terms govern:

• • Your use of our website at https://www.finkratt.com (“Website”); and
  • Your use of our free and paid services, including but not limited to, our (i) FinKratt Report (as defined in Section 2), (ii) Coaching Packages (as defined in Section 2), and (iii) any other digital or future services we may introduce (collectively, the “Service”).

1.2. Additional Documents.

These Terms refer to and incorporate by reference the following (“Additional Documents”):

• • Our Privacy Notice, which explains how we collect, use, and protect your personal data.

1.3. Acceptance of these Terms.

By using our Service or visiting our Website, you confirm that you accept and agree to these Terms and the Additional Documents in their most current form as posted on our Website. If you do not agree, you must not use our Service or visit our Website.

1.4. Priority of these Terms.

Where there are any differences between these Terms, the Additional Documents, or any other information we provide on our Website, these Terms will take priority.

1.5. Scope Limitation.

The content of our Service is general in nature and does not account for the full range of variables and complexities in real-world scenarios. You are encouraged to seek tailored advice from licensed professionals before making any financial decisions.

1.6. Future changes.

We may update these Terms from time to time without prior written notice. Any changes made to these Terms will take effect as soon as they are posted on our Website. You can always see the most current version of these Terms on our Website. Your continued use after changes means you accept the new Terms.

2. OUR SERVICE

2.1. Overview.

Our Service is composed of:

• • FinKratt Report, which consists of a financial report generation service that produces a roadmap based on data you submit through a web form. The Report is then delivered electronically (e.g., by email or through a downloadable link);
  • Coaching Packages, which consist of one-on-one or group coaching services to guide you in managing personal finances, debt, and other personal financial matters. Coaching may be delivered via calls, video conferences, or other methods; and
  • Any future digital offerings or functionalities that we may introduce from time to time.

2.2. Confidentiality.

We will treat all information shared during the report generation service or coaching with strict confidentiality. We will not disclose any information to third parties without your explicit consent, except where disclosure is legally required.

2.3. Future Developments.

FinKratt may introduce new functionalities, services, or digital products (free or paid). Should we introduce charges or modify pricing for any existing feature, you will be informed, and your explicit consent will be sought before incurring any fees.

3. WHO CAN USE OUR SERVICE

3.1. Eligibility Criteria.

Our Service is available to individuals who are at least 18 years of age. By using our Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into a binding contract.

3.2. Intended User Base.

Our Service is particularly suited for individuals seeking financial guidance. While we have a specific focus on residents of Estonia who earn a fixed or semi-fixed salary, anyone who meets the age requirement in Section 3.1 may use our Service.

4. PROHIBITED USES OF OUR SERVICE

4.1. General Compliance.

You must use our Service solely for its intended purpose as per Section 1.3. Misusing our Service in any manner not expressly permitted by these Terms is strictly prohibited.

4.2. Specific Prohibitions.

By using our Service, you agree not to:

• • Misrepresent your identity or affiliation with any person or organisation.
  • Access or attempt to access Service functionalities in a manner that you are not explicitly authorised for.
  • Engage in any activity that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, invasive of privacy, hateful, discriminatory, or otherwise objectionable or disruptive.
  • Introduce any form of malicious software into the Service, or in any way disrupt or interfere with the operation of the Service, including through unauthorised access, hacking, or bypassing security measures.
  • Copy, modify, translate, reverse engineer, disassemble, or otherwise attempt to extract the source code of the Service.
  • Infringe on the intellectual property rights of FinKratt or any third party.
    Collect or harvest any personal data from the Service without authorisation.
  • Violate any applicable laws or regulations, or infringe upon the rights of others.

4.3. Technical and Legal actions.

FinKratt reserves the right to take any necessary technical and legal actions in response to breaches of these Terms.

5. INTELLECTUAL PROPERTY RIGHTS

5.1. Ownership of Service Content.

All content, trademarks, and intellectual property associated with the Service and Website are the exclusive property of FinKratt. Unauthorised use of FinKratt’s trademarks or proprietary content is strictly prohibited.

5.2. Limited Licence to You.

We grant you a personal, non-commercial, revocable, non-transferable licence to access and use our Service for its intended purposes under these Terms. You may not access source code or reproduce, modify, or distribute any part of our Service without our explicit written permission.

5.3. Content Provided by You.

By submitting any content to us, you grant FinKratt a worldwide, perpetual, royalty-free licence to use, modify, and create derivative works from that content (in anonymised form) for improving and expanding the Service.

5.4. Feedback Ownership.

Any feedback, suggestions, or ideas you provide in relation to the Service (including Coaching Packages) become the property of FinKratt, and we may use them without obligation or compensation to you.

6. AVAILABILITY AND INTERRUPTIONS

6.1. Service Availability. 

We aim to ensure that the Service is available to you as consistently as possible. However, we reserve the right, at our sole discretion, to interrupt, suspend, or terminate the Service at any time for any reason, without prior notice.

6.2. No Guarantee of Uninterrupted Service. 

While we strive to maintain the Service’s availability, we cannot guarantee that it will be uninterrupted or accessible at all times.

6.3. No Liability for Interruptions. 

We are not liable for any interruption or unavailability of the Service, regardless of their cause or duration.

6.4. User Acknowledgment. 

By using the Service, you acknowledge and accept that service interruptions may occur and that we are not liable for any inconvenience, loss, or damage that may result from such interruptions.

7. TERM AND TERMINATION

7.1. Term. 

These Terms become effective as soon as you access our Website or Service and remain in effect until updated or terminated.

7.2. Termination. 

You are free to terminate your agreement to these Terms at any time by discontinuing your use of the Service and ceasing to visit our Website.

7.3. Effects of Termination.

Termination of these Terms does not affect any rights, obligations, or liabilities that you or we have accrued up to the point of termination.

8. THIRD-PARTY SERVICES

8.1. Access to Third-Party Services. 

We may provide access to services, products, or applications provided by third parties (“Third-Party Services”) through our Service. Such access does not imply any endorsement.

8.2. No Responsibility.

We are not responsible for the content, functionality, or reliability of Third-Party Services. Your use of any Third-Party Services is solely at your own risk and subject to the terms and conditions of those services.

9. PURCHASES AND REFUND POLICY

9.1. Purchases of Digital Content. 

When you purchase the FinKratt Report, you will receive an order confirmation along with details on how and when the digital content will be delivered. When you sign up for a Coaching Package, you will receive confirmation of your purchase, including package details and scheduling instructions.

9.2. Right of Withdrawal.

You have the right to withdraw from your purchase within 14 days, except in the following cases:

• • FinKratt Report: By requesting immediate access, you expressly waive your right of withdrawal. Once the report is delivered, refunds are not available.
  • Coaching Packages: The withdrawal right for the FinKratt Report is waived upon delivery. However, if you have not scheduled or received any coaching sessions within 14 days, you may request a partial refund for the coaching portion. If you have not accessed the FinKratt Report or scheduled any coaching sessions within 14 days, you may request a full refund.

9.3. Refund Rules.

• • Defective or Grossly Non-Conforming FinKratt Report: If the FinKratt Report is materially defective or substantially deviates from its described content, you may request a correction, replacement, or refund within 7 days of delivery. Minor discrepancies or subjective dissatisfaction do not qualify for a refund.
    Completed Services: Once a coaching session has been delivered, no refunds will be issued for that session.
    Service Termination by FinKratt: If we terminate the coaching service for reasons unrelated to your breach of these Terms, we will issue a pro-rata refund for any unused sessions. Refund requests must be submitted within 30 days of termination notice.

9.4. Refund Process.

Approved refunds will be issued to the original payment method (e.g., credit card) within a reasonable timeframe.

9.5. Exclusions.

Refunds will not be provided:

• • If you accessed the FinKratt Report and expressly waived your right to withdraw.
  • For coaching sessions that have already been conducted.

10. DISCLAIMERS

10.1. General Disclaimer. 

The information provided by FinKratt is for general informational purposes only and should not be considered financial, investment, legal, tax, or professional advice. We do not act as a broker, financial advisor, investment advisor, portfolio manager, or tax advisor, nor do we provide any regulated services under MiFID II or equivalent regulations, and we are not licensed under any such framework. Nothing in our Service constitutes an offer, solicitation, or recommendation to buy, sell, or hold any currency, security, or financial instrument. Users should seek advice from a qualified professional before making any financial or investment decisions.

10.2. Coaching Disclaimer.

Our coaching service is intended to provide general financial guidance and practical tips. Any decisions or actions you take based on our coaching are solely your responsibility. We expressly disclaim liability for any outcomes from such decisions or actions.

10.3. “As Is” and “As Available”.

To the fullest extent permitted by law, we provide the Service “as is” and “as available” and disclaim all warranties (express or implied), including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee the Service’s completeness, reliability, timeliness, security, or accuracy. Your sole remedy for dissatisfaction with the Service is to stop using it.

11. LIMITATION OF LIABILITY

11.1. Warranties and Representations.

FinKratt makes no warranties or representations beyond those explicitly stated in these Terms. The Service is not tailored to meet individual needs.

11.2. Limitation of Liability. 

To the maximum extent permitted by applicable law, FinKratt, including its directors, officers, employees, or agents, shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages incurred by you in connection with the use of the Service. This includes, but is not limited to, loss of profit, lost opportunities, data loss, or any other intangible losses.

11.3. Maximum Aggregate Liability. 

Our maximum aggregate liability to you shall be limited to EUR 100.

11.4. Exclusions to Limitations. 

The limitations of liability in this section do not apply to damages caused by FinKratt’s intentional misconduct or gross negligence.

12. INDEMNIFICATION

12.1. User Indemnity. 

You agree to indemnify and hold harmless FinKratt, its directors, officers, employees, agents, and successors from any claims, liabilities, damages, losses, and expenses, including without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity.

12.2. Defense and Cooperation. 

You will assist FinKratt in defending against such claims and not settle without our consent. FinKratt retains the right to assume defense and control of any matter subject to indemnification by you.

13. GOVERNING LAW AND DISPUTES

13.1. Governing Law. 

These Terms shall be governed by the substantive law of Estonia.

13.2. Disputes Resolution Method. 

Any dispute, controversy or claim arising out of or in connection with these Terms shall be finally settled by the Arbitration Court of the Estonian Chamber of Commerce and Industry in accordance with its rules. The arbitral tribunal shall be composed of a sole arbitrator. The seat of arbitration shall be Tallinn, Estonia. The language of the arbitral proceedings shall be English.

14. MISCELLANEOUS

14.1. Entire Agreement. 

These Terms, including referenced documents, constitute the full agreement between you and FinKratt regarding the Service, superseding all prior agreements.

14.2. Non-Waiver. 

Failure to exercise rights under these Terms does not waive those rights.

14.3. Severability. 

If any term provision is invalid or unenforceable, the remainder continues in effect, aiming to reflect the original intent.

14.4. Language. 

These Terms are in English. In case of discrepancies between any different versions, the English version prevails.

14.5. Assignment. 

You cannot transfer rights or obligations under these Terms without our consent. We may transfer our rights to a third party, notifying you in advance.