General Terms and Conditions of ELMA INVESTMENTS s. r. o.

I. Introductory Provisions

These General Terms and Conditions (hereinafter referred to as “GTC”) govern the legal relations between ELMA INVESTMENTS s. r. o. (hereinafter referred to as the “Provider”) and its customers (hereinafter referred to as the “Customer”) in connection with the provision of educational and informational services through the website www.elma-investments.com.

The Provider specializes in offering online educational courses, analyses, access to membership sections, and other digital products focused on trading, investments, and financial markets.

The Customer is obliged to familiarize themselves with these GTC before placing an order and confirming their consent to them.

 

II. Orders and Conclusion of the Contract

The contractual relationship between the Provider and the Customer is established upon confirmation of the order via the website and payment of the price.

By confirming the order, the Customer expresses their consent to these GTC.

The Provider reserves the right to refuse an order if its fulfillment would be contrary to legal regulations or the Provider’s conditions.

 

III. Price and Payment Terms

The price of individual services and products is stated on the Provider’s website.

Prices are listed including VAT, if applicable.

Payments are made using the methods specified on the website (bank transfer, credit card, cryptocurrency, or other methods according to the current offer).

Access to digital content is granted only after receipt of payment.

 

IV. Delivery of Services

Services and products are provided exclusively in electronic form – by enabling online account access, sending an e-mail, or granting access to a membership section.

Delivery is considered completed at the moment the service or product is made available to the Customer.

 

V. Withdrawal from the Contract

In accordance with Slovak Act No. 102/2014 Coll. on Consumer Protection, the Customer has the right to withdraw from the contract within 14 days of its conclusion if the service has not yet been provided.

If digital content or access to services has been made available with the Customer’s consent before the expiry of the withdrawal period, the Customer loses the right to withdraw from the contract.

Withdrawal may be made in writing via e-mail to the address: contact.elmainvestments@gmial.com

 

VI. Liability and Complaints

The Provider is not responsible for decisions made by Customers based on provided educational materials, analyses, or information.

Complaints regarding the technical availability of services may be submitted by the Customer via e-mail. The Provider undertakes to address complaints within a reasonable period.

The Provider does not provide any guarantees of profits or the success of trading in financial markets.

 

VII. Personal Data Protection

The Provider processes Customers’ personal data in accordance with Slovak Act No. 18/2018 Coll. on Personal Data Protection and the GDPR.

Details regarding the processing of personal data are specified in a separate document, Privacy Policy, available on the website.

 

VIII. Final Provisions

The Provider reserves the right to amend these GTC. Amendments shall take effect upon their publication on the website.

The legal relations between the Provider and the Customer are governed by the legal order of the Slovak Republic.

In the event of a dispute, the competent court shall be the court according to the registered office of the Provider.

These GTC shall enter into force on 17 September 2025.