Terms of use

Please read these Terms carefully. They are a binding contract between you and us. They govern your access to and use of our website and digital content, limit our liability, set out the rules for purchases and refunds, and contain important warnings about the educational nature of our Content and the risks of trading and investing. Sections 10 (Limitations of the Content), 19 (Withdrawal right and waiver), 30 (Disclaimer of warranties), 31 (Limitation of liability), and 38 (Governing law) are particularly important. Nothing in these Terms limits any right you have under mandatory Bulgarian or European Union consumer-protection law that cannot be excluded or restricted by contract.

1. Definitions and interpretation

In these Terms, the following capitalised words have the meanings set out below:

Account means the password-protected account you create on the Site to access certain features and purchased Content.

Book means a bundled collection of Volumes published under the name The Field Guides and sold as a single unit.

Business User means any User who is not a Consumer.

Consumer means an individual acting wholly or mainly outside that individual's trade, business, craft or profession, within the meaning of Bulgarian and EU consumer-protection law.

Content means all text, charts, illustrations, code, design elements, audio, video, downloadable files, and other material made available through the Site, including the Volumes and Books.

Effective Date means the date stated at the top of these Terms as the date of last update.

Force Majeure Event has the meaning given in clause 33.

Order means an offer by you to purchase a Volume or Book via the Site.

Order Confirmation means the email or on-screen confirmation by which we accept your Order and a binding contract is formed.

Payment Processor means Stripe (see clause 14) and any successor provider we appoint to handle payments.

Service means the Site, the Content, the Account features, and any related services we provide.

Site means the website at tradepirate.io and any subdomains.

Terms means these Terms of Use, as updated from time to time in accordance with clause 34.

User, you, and your mean any person who accesses or uses the Service.

Volume means an individual title within a Book.

We, us, and our mean Tunemind, Ltd., the company identified in clause 2.

Headings are for convenience only and do not affect interpretation. References to a statute or regulation include amendments and re-enactments. The words including, in particular, and for example introduce illustrative items, not exhaustive lists. The singular includes the plural and vice versa. References to a person include natural persons and legal entities.

2. Who we are

The Service is operated by Tunemind, Ltd., a Bulgarian limited liability company registered in the Commercial Register and the Register of NPLE at the Registry Agency under UIC 207152429, having its registered seat and address of management at Bul. Vitosha no. 1, fl. 3, 1000 Sofia, Bulgaria, trading under the name TradePirate.

You can reach us by email at hello@tradepirate.io. Email is our preferred and primary channel for contractual notices, complaints, and the exercise of statutory rights.

3. Acceptance and formation of contract

By accessing the Site, creating an Account, or placing an Order, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, do not use the Service.

A binding contract for the purchase of a Volume or Book is formed only when we send you an Order Confirmation. Until then, an Order is an offer that we may accept or decline at our discretion, including (without limitation) where the price displayed contained a manifest error, where the Content has been withdrawn, where we suspect fraud or breach of these Terms, where we are unable to authorise payment, or where supply to your jurisdiction is restricted under clause 29.

Each Order Confirmation incorporates the version of these Terms in force on the date the Order is placed, which is reproduced or linked in the Confirmation as your durable record of the contract.

4. Pre-contractual information

The information required by Article 47 of the Bulgarian Consumer Protection Act and Article 6 of EU Directive 2011/83/EU (Consumer Rights Directive) is provided through these Terms, the product pages on the Site, the checkout flow, and the Order Confirmation, taken together. Where any of that information differs between sources, the Order Confirmation prevails.

5. Eligibility

You may use the Service only if you are at least eighteen (18) years old (or the age of majority in your country of residence, if higher) and have full legal capacity to enter into a binding contract. By using the Service you confirm that you meet these conditions and that you are not prohibited from using the Service under any law applicable to you. We may, at any time, ask for reasonable evidence of age or capacity and may suspend or terminate Accounts where we reasonably believe these conditions are not met.

If you are under 18 years of age, you must not register for an Account, place an Order, or otherwise use the Service. We do not knowingly contract with minors and accept no responsibility for any Account, purchase, or use of the Service by a person who has misrepresented their age.

6. Accounts

To purchase or unlock certain Content, you must create an Account. You agree to provide accurate, current, and complete registration information and to keep it up to date. You are responsible for keeping your credentials confidential and for all activity that occurs under your Account. You must notify us at hello@tradepirate.io without undue delay if you become aware or suspect that your Account has been compromised. We may, in our reasonable discretion, require you to reset your credentials at any time for security reasons.

Accounts are personal to you and may not be shared, transferred, sold, leased, sublicensed, or made available to any other person. We may treat the sharing of credentials as a material breach of these Terms.

7. Account inactivity

We may deactivate, suspend, or delete an Account that has not been accessed for a continuous period of twenty-four (24) months, on at least thirty (30) days' prior notice to the email address registered on the Account. Deactivation under this clause does not entitle you to any refund of amounts previously paid; however, if you log in within the notice period your Account is restored without charge. Accounts deleted under this clause may be re-created from scratch but entitlements to previously purchased Content cannot be restored where the underlying records have been deleted in accordance with our retention obligations.

8. Educational nature of the Content — no professional advice

All Content is provided for general educational and informational purposes only. Nothing in the Content constitutes, or is intended to constitute, financial, investment, trading, legal, accounting, tax, or any other professional advice; nor is it a recommendation, offer, solicitation, or invitation to buy or sell any security, derivative, contract for difference, futures or options contract, cryptocurrency, token, fund, foreign-exchange position, or any other financial instrument. We are not a regulated financial adviser, broker, dealer, fund manager, or investment firm in any jurisdiction, and nothing in the Service should be interpreted as a regulated financial service.

You are solely responsible for your own trading and investment decisions and for any consequences flowing from them. Before acting on any matter discussed in the Content, you should consult an appropriately licensed financial adviser, tax adviser, and (if relevant) legal counsel in your jurisdiction. The mere act of purchasing or reading any part of the Content does not create any adviser-client, fiduciary, agency, or similar relationship between you and us.

9. Trading risk acknowledgment

You acknowledge and agree that trading and investing in financial instruments involves a high level of risk, including the risk of losing some or all of your invested capital and, for leveraged or margin products, the risk of losses that exceed your initial deposit. Past performance is not indicative of future results. No representation is made that any Content, strategy, technique, method, indicator, framework, chart pattern, or rule discussed in the Service has produced or will produce any particular trading or investment outcome. Examples are illustrative only and do not replicate real-time trading conditions, slippage, fees, taxes, or behavioural factors that apply to actual trading.

10. Limitations of the Content

The Content is a teaching resource. It is not, and is not intended to be, a complete trading system, signal service, advisory subscription, managed-account service, or risk- management framework. You understand and agree that:

(a) the Content may contain errors, omissions, or out-of-date material; markets and instruments evolve and we do not guarantee that the Content is current, complete, or applicable to the instrument, venue, regime, or time you are trading;

(b) charts, screenshots, equity curves, hypothetical scenarios, and other quantitative examples are illustrative only, are selected to make a teaching point, and are not predictive of any outcome you will experience;

(c) you agree to apply your own judgment in any decision of legal, financial, tax, professional, or material personal consequence; you will not rely on the Content as the sole basis for any such decision;

(d) the Service is not certified for, and must not be used in place of, time-critical decision support; in particular it must not be used as the basis for trading or investment decisions taken under conditions of fatigue, intoxication, severe emotional distress, or other impairment of judgment;

(e) the Service is not a substitute for professional advice from a licensed financial adviser, broker, fund manager, accountant, tax adviser, lawyer, mental-health professional, or other qualified specialist; for any matter on which professional advice would ordinarily be sought, you must seek that advice independently;

(f) we make no claim, and you must not infer any claim, that the Service will make you profitable, prevent losses, improve any specific trading metric, or produce any other particular result; and

(g) where the Content discusses trader psychology or behavioural patterns, it does so as a descriptive teaching device and not as a clinical, diagnostic, therapeutic, or psychiatric tool. The Content does not constitute psychological, psychiatric, or medical advice, and is not a substitute for the services of a qualified mental-health professional.

By using the Service you accept these limitations and agree that you use the Content at your own risk.

11. Pricing, taxes, and currency

Prices are displayed on the Site in the currency indicated at checkout. Unless stated otherwise, displayed prices are inclusive of value-added tax (VAT) chargeable at the rate applicable in your country of residence under the EU VAT rules for business-to-consumer supplies of electronically supplied services (Council Directive 2006/112/EC), where applicable. Where displayed prices are stated to be exclusive of VAT, you agree to pay the applicable VAT in addition. Currency-conversion fees and cross-border charges imposed by your bank or card issuer are your responsibility.

We reserve the right to correct pricing errors at any time before an Order Confirmation is issued. If a displayed price was manifestly incorrect (whether due to typographical, transmission, processing, or human error), we may decline the Order or offer you the corrected price; you may accept the corrected price or cancel the Order before the Order Confirmation is sent.

12. Pricing changes

We may change the price of any Volume or Book at any time. Price changes apply to Orders placed after the change takes effect and do not affect Orders for which an Order Confirmation has already been issued. Where an Order is the renewal of a recurring arrangement (for example, where future products are added to a subscription bundle), we will notify you of any price change by email to the address registered on your Account at least thirty (30) days before the change takes effect; if you do not accept the change, you may cancel the recurring arrangement before the change takes effect without penalty.

13. Discount codes and promotions

We may from time to time offer discount codes, vouchers, or promotional pricing at our sole discretion. Unless we state otherwise: (a) discount codes may not be combined with other offers; (b) discount codes are non-transferable, have no cash value, may not be resold, and expire on the date stated at issuance; (c) we may withdraw, suspend, or cancel any promotion at any time, and may invalidate any discount code we believe has been obtained, used, or distributed in breach of these Terms or of any specific promotion conditions; and (d) the application of a discount code does not waive any other provision of these Terms.

14. Payment

All payments are processed through our Payment Processor, Stripe, operating as Stripe Technology Europe Limited (Ireland) for customers in the European Economic Area, with Stripe, Inc. (United States) acting as sub-processor for certain functions. By placing an Order you authorise the Payment Processor to charge your selected payment method for the price of the Volume or Book and any applicable taxes and fees.

We do not collect, see, or store full payment-instrument details on our servers. Your payment data is provided to and processed by the Payment Processor in accordance with its own terms and privacy policy and applicable card-network rules. We are not liable for any act, omission, error, or interruption of the Payment Processor beyond our reasonable control.

15. Invoicing and durable confirmation

Following payment, you will receive an Order Confirmation by email containing: a description of the Content purchased; the total price paid (including VAT, where applicable); the date of the contract; our identification details; a reproduction of, or link to, these Terms; confirmation of any consent to immediate performance and waiver of the right of withdrawal under clause 19; and contact details for complaints. This email constitutes your confirmation on a durable medium within the meaning of Article 7 of the Consumer Rights Directive.

A VAT invoice may be issued on request by writing to hello@tradepirate.io, or may be generated and sent automatically by our Payment Processor in accordance with its own billing procedures. We intend to make invoices available directly through the account section of the Service in a future update.

16. Delivery of digital Content

Digital Content is delivered electronically by granting your Account access to the relevant Volume or Book through the Site. Access is normally granted within a few minutes of payment but may in exceptional cases take up to twenty-four (24) hours. Delivery is deemed complete at the moment access is granted to your Account, whether or not you immediately log in to view the Content.

17. Technical support and maintenance

We provide the Service without any obligation to offer technical support, updates, upgrades, bug fixes, or maintenance, except as required by mandatory consumer-protection law and clause 18 (conformity). On a goodwill basis, we may respond to support enquiries sent to hello@tradepirate.io; any such response is voluntary and does not create any contractual obligation to provide ongoing support.

18. Conformity of digital Content

We are responsible to Consumers for any lack of conformity of the digital Content existing at the time of delivery and becoming apparent within the periods provided by the Bulgarian Act on the Provision of Digital Content and Digital Services and Sale of Goods and EU Directive (EU) 2019/770. Where a lack of conformity is established, you are entitled to have the Content brought into conformity, to receive a proportionate price reduction, or to terminate the contract and obtain a refund, in the order and manner set out in that legislation.

Subjective requirements of conformity are limited to those described on the relevant product page and in the Order Confirmation. The Content is provided for the purposes described in clauses 8, 9, and 10 and is not warranted to achieve any particular trading, investment, financial, or behavioural outcome.

19. Withdrawal right and express waiver for digital Content

Consumers resident in the European Union have a statutory right under the Consumer Rights Directive and the Bulgarian Consumer Protection Act to withdraw from a distance contract within fourteen (14) days of conclusion, without giving a reason.

However, the right of withdrawal does not apply to contracts for the supply of digital content not delivered on a tangible medium where:

(a) performance has begun with your prior express consent; and

(b) you have provided your express acknowledgement that you thereby lose your right of withdrawal once performance has begun.

At checkout you are asked to tick a dedicated, unticked-by- default checkbox by which you (i) request immediate access to the Content and (ii) acknowledge that you lose your right of withdrawal once we grant that access. Your consent and acknowledgement are recorded by the Payment Processor and confirmed to you on a durable medium in the Order Confirmation. Once access has been granted to your Account, the right of withdrawal is no longer available.

If, for any reason, you did not provide the consent and acknowledgement described above, the standard fourteen-day right of withdrawal applies and you may exercise it by an unequivocal statement sent to hello@tradepirate.io, including the model withdrawal form annexed to the Consumer Rights Directive. We will reimburse you using the same means of payment within fourteen (14) days of receiving your notification, subject to any deductions permitted by law for performance carried out before withdrawal.

20. Refunds outside the statutory framework

Beyond the statutory rights described in clauses 18 and 19, all sales of digital Content are final. We will, however, consider discretionary refund requests fairly and in good faith, in particular where access could not be granted, where a defect cannot be remedied, or where exceptional personal circumstances justify it. Discretionary refunds do not create any precedent or obligation in respect of future requests.

21. Licence to access purchased Content

On payment of the applicable price and our issuing the Order Confirmation, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and read the purchased Content through the Site for your own personal, non-commercial use. The Content is licensed to you; it is not sold. Title to the Content and all intellectual-property rights in it remain with us or our licensors at all times.

22. Permitted use

Within the licence granted in clause 21 you may: (a) read the Content on devices that you own or control; (b) make incidental copies in your browser cache or device memory as a technical necessity of normal use; and (c) quote brief extracts from the Content for the purposes of criticism, review, or private study, provided you give clear and prominent attribution to TradePirate — The Field Guides and do not reproduce more than is justified by that purpose.

23. Prohibited use

You agree that you will not, and will not permit, assist, encourage, or facilitate any third party to:

(a) copy, download (other than as a technical necessity), reproduce, mirror, scrape, harvest, republish, distribute, broadcast, sell, sublicense, rent, lease, lend, or otherwise make available any part of the Content beyond what clause 22 permits;

(b) share, transfer, or disclose your Account credentials or Account contents to any other person, or allow any other person to access Content through your Account;

(c) use the Content, in whole or in part, to train, fine-tune, pre-train, evaluate, validate, benchmark, ground, retrieve into, or otherwise develop or improve any machine-learning model, large language model, generative artificial-intelligence system, retrieval-augmented-generation system, embedding model, dataset, corpus, or similar technology, whether commercial or non-commercial, and whether by you or by a third party using material you have extracted from the Service;

(d) use automated scripts, crawlers, scrapers, bots, headless browsers, or other automated means to collect, index, harvest, or extract Content or User data from the Service for any purpose;

(e) circumvent, disable, or interfere with any digital-rights- management, paywall, access-control, watermark, rate-limit, or other technical protection measure applied to the Content or the Service;

(f) reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying structure of any software-based component of the Service, except to the extent that such restriction is prohibited by mandatory law;

(g) access or attempt to access non-public areas of the Service or our systems, probe for vulnerabilities, conduct any form of penetration testing, or otherwise interfere with the security or integrity of the Service;

(h) upload, transmit, or distribute any virus, malware, ransomware, trojan, worm, or other malicious code through or in connection with the Service; and

(i) use the Service or the Content to develop or contribute to a product or service that competes with the Service.

A breach of this clause 23 is a material breach of these Terms and entitles us, without prejudice to any other remedies, to suspend or terminate your Account under clause 35 and to pursue all available legal remedies, including injunctive relief, statutory and contractual damages, and account-disgorgement of profits derived from the breach.

24. User conduct

In addition to the prohibitions in clause 23, you agree that you will not:

(a) use the Service in any manner that is unlawful, fraudulent, misleading, defamatory, threatening, abusive, harassing, obscene, or that infringes the rights (including intellectual- property, privacy, or personality rights) of any third party;

(b) impersonate any person or entity, falsely state or misrepresent your affiliation with any person or entity, or otherwise mislead us as to your identity or as to your right to place any Order;

(c) hold yourself out as a representative, spokesperson, agent, employee, or affiliate of TradePirate, or make any public statement, recommendation, or endorsement on our behalf, without our prior written consent;

(d) use the Service in a manner that places an unreasonable or disproportionate load on our infrastructure, that bypasses rate limits, or that materially exceeds what a typical human reader could access; or

(e) encourage, enable, or facilitate any other person to do any of the foregoing.

We may report any suspected unlawful conduct to the competent authorities and may cooperate with those authorities by disclosing your identity and any relevant information in accordance with our Privacy Policy.

25. Intellectual property

All right, title, and interest in and to the Service and the Content, including all copyright, database rights, trade marks (whether registered or unregistered), trade-mark applications, trade names, design rights, know-how, domain names, and other intellectual-property rights, are owned by us or our licensors and are protected by Bulgarian, European Union, and international law. The names TradePirate and The Field Guides, our logo, the visual identity of the Service, and the title structure of the Volumes are our trade marks or trade dress. Except for the limited rights expressly granted in clauses 21 and 22, no rights are granted to you, whether by implication, estoppel, exhaustion, or otherwise.

You may not remove or alter any copyright, trade-mark, or other proprietary-rights notice from any copy of any Content. Any unauthorised use of the Content or of our marks is a breach of these Terms and may also constitute an offence under applicable intellectual-property law.

26. Feedback and user submissions

If you provide us with comments, suggestions, ideas, error reports, or other feedback about the Service or the Content (Feedback), you grant us a worldwide, perpetual, irrevocable, royalty-free, sublicensable, transferable licence to use, reproduce, modify, create derivative works of, distribute, and commercialise the Feedback in any manner, without compensation or attribution to you. You warrant that you are entitled to grant this licence and that the Feedback does not infringe any third-party rights. You agree to indemnify us against any claim arising out of any Feedback that infringes third-party rights. We are not obliged to use, respond to, or maintain the confidentiality of any Feedback.

27. Third-party services and links

The Service uses, links to, or interoperates with third-party services, including (without limitation) the Payment Processor, Google Firebase (hosting, authentication, database, and cloud functions), and email-delivery providers. Your use of those third-party services is governed by their own terms and policies and is outside our control. We are not responsible for the availability, content, accuracy, security, or practices of any third-party service, nor for any loss arising from your use of one.

28. Availability and changes to the Service

We may, in our reasonable discretion, add to, modify, suspend, or discontinue any feature of the Service or any particular Content, and may change the technical means by which the Service is delivered. Where a change materially and adversely affects your access to Content you have already paid for, we will take reasonable steps to give you advance notice and, where required by law, offer a proportionate remedy. We do not commit to any specific uptime or availability target.

29. Territorial restrictions

The Service is operated from the Republic of Bulgaria and is intended for Users in jurisdictions where its use is lawful and where it would not subject us to any registration, licensing, or other regulatory requirement that we have not satisfied. We do not represent that the Service or any part of the Content is appropriate or available for use in any particular jurisdiction. You are responsible for compliance with all local laws applicable to your access to and use of the Service, including (without limitation) laws on the regulation of financial education, distribution of financial-instruction material, consumer protection, taxation, and export controls.

We reserve the right, at our sole discretion and at any time, to limit or refuse access to the Service or any part of the Content for any User, geographic area, or jurisdiction, including by geo-blocking, declining Orders, withdrawing Volumes from sale, or terminating Accounts. Such limitation does not give rise to any liability on our part, save for refund of any sums paid in respect of Content that has not been delivered.

30. Disclaimer of warranties

Except as expressly set out in clause 18 in respect of conformity of digital Content for Consumers, and except for any warranty, condition, or representation implied by law that cannot be excluded or limited:

(a) the Service and the Content are provided as is and as available, with all faults and without warranty of any kind, whether express, implied, statutory, or otherwise;

(b) we expressly disclaim all warranties of merchantability, satisfactory quality, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, timeliness, freedom from errors or harmful components, compatibility with any particular device or software, and uninterrupted availability;

(c) we do not warrant that the Service will meet your requirements, will be free of errors, viruses, or harmful components, will be available at any particular time or location, will be compatible with any particular device or software, or that defects in the Service will be corrected; and

(d) without limiting clauses 8, 9, and 10, we make no warranty, representation, or guarantee as to the accuracy, completeness, timeliness, or usefulness of any opinion, analysis, framework, method, indicator, chart pattern, or other material in the Content for trading, investing, or any other purpose, nor as to any particular trading, investment, financial, behavioural, or other outcome.

No information or advice, whether oral or written, obtained by you from us or through the Service creates any warranty not expressly stated in these Terms. Nothing in this clause 30 limits or excludes any statutory warranty or right that the law in your country of residence does not allow to be limited or excluded.

31. Limitation of liability

Nothing in these Terms excludes or limits our liability for: (a) death or personal injury caused by our negligence; (b) fraud or fraudulent misrepresentation; (c) any other liability that, under the law of the Republic of Bulgaria or, where the Consumer is resident outside Bulgaria, the mandatory consumer- protection law of the Consumer's country of residence, cannot lawfully be excluded or limited.

Subject to the preceding paragraph, and to the fullest extent permitted by law:

(a) we will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary loss or damage, nor for any loss of profit, revenue, savings, opportunity, anticipated savings, business, goodwill, reputation, data, contracts, or management time, whether or not foreseeable and whether arising in contract, tort (including negligence), restitution, under statute, or otherwise;

(b) we will not be liable for any trading loss, investment loss, missed opportunity, slippage, spread cost, commission, financing cost, margin call, forced liquidation, or tax consequence arising from any decision you make in reliance on the Content or from your use of the Service;

(c) we will not be liable for any loss arising from any act, omission, error, interruption, downtime, security breach, or other failure of any third-party service, including the Payment Processor, Google Firebase, or any email-delivery provider; and

(d) our total aggregate liability to you for all claims arising out of or in connection with the Service or these Terms, whether in contract, tort, under statute, or otherwise, is limited to the greater of (i) the total amount you paid us under these Terms in the twelve (12) months preceding the event giving rise to the claim, and (ii) one hundred (100) euros.

Your sole and exclusive remedy for any dissatisfaction with the Service or any part of the Content is to stop using the Service. These limitations apply even if a remedy fails of its essential purpose and even if we have been advised of the possibility of such loss. Each provision of this clause 31 operates separately; if any part is held unenforceable, the others continue in full force.

32. Indemnity

Where you are a Business User, you agree to defend, indemnify, and hold harmless Tunemind, Ltd. and its directors, officers, shareholders, employees, contractors, agents, affiliates, and successors (together, the Indemnified Parties) against any claim, demand, action, proceeding, loss, liability, damage, cost, or expense (including reasonable legal fees) suffered or incurred by any of the Indemnified Parties and arising out of or in connection with: (a) your breach of these Terms; (b) your misuse of the Service or the Content; (c) your violation of any law or of any rights of any third party; or (d) any Feedback you provide that infringes third-party rights.

We will give you reasonable written notice of any claim subject to indemnification under this clause 32. We reserve the right to assume exclusive control of the defence and settlement of any such claim, in which case you agree to cooperate at your reasonable expense; you will not settle any such claim in a manner that admits our liability, imposes non-monetary obligations on any Indemnified Party, or otherwise affects the rights of any Indemnified Party without our prior written consent.

33. Force majeure

We are not liable for any failure or delay in performing our obligations under these Terms to the extent caused by an event beyond our reasonable control, including (without limitation) acts of God, fire, flood, earthquake, epidemic or pandemic, war, terrorism, civil unrest, riot, embargoes, sanctions, governmental action, change in law, labour disputes, failure or interruption of internet, telecommunications, hosting, payment, or other third-party services, cyber-attacks, denial-of-service attacks, or outages of upstream providers (a Force Majeure Event). During a Force Majeure Event our obligations are suspended for so long as the Event continues to prevent performance.

34. Changes to these Terms

We may amend these Terms from time to time. The Last-updated date at the top of this page will be updated to reflect the change. For material changes that affect your rights or obligations, we will take reasonable steps to notify you in advance, including by email to the address registered on your Account and by a notice on the Site. Changes do not apply retroactively to Orders for which an Order Confirmation has already been issued; those Orders continue to be governed by the version of the Terms in force at the time. If you do not accept a material change, your remedy is to stop using the Service and, where the change materially and adversely affects you, to terminate your Account under clause 36.

35. Suspension and termination by us

We may suspend or terminate your Account, your access to any Content, or the contract formed under these Terms with immediate effect by notice to you, if: (a) you commit a material breach of these Terms; (b) you fail to pay any sum due to us when due; (c) we reasonably suspect fraud, abuse, money-laundering, or unlawful use of the Service; (d) continued provision of the Service to you would put us in breach of applicable law, sanctions, or any court order or regulatory direction; (e) it is reasonable for us to do so to protect the security or integrity of the Service or other Users; or (f) your Account has been inactive in accordance with clause 7.

Where the breach is capable of remedy and is not in itself material, we will give you reasonable notice and an opportunity to cure before suspending or terminating.

36. Termination by you

You may close your Account at any time by emailing hello@tradepirate.io. Closing your Account ends the licence in clause 21 and your right to access purchased Content. We will not refund amounts paid for digital Content already delivered, save where required by clauses 18 or 19 or by law.

37. Consequences of termination and survival

On termination for any reason: (a) all licences and rights granted to you under these Terms end immediately; (b) you must cease all use of the Service and the Content; and (c) any sums then due become immediately payable. Clauses that by their nature should survive termination — including clauses 8, 9, 10, 23, 24, 25, 26, 28, 29, 30, 31, 32, 37, 38, 39, 41, 42, 43, and 44 — continue to apply.

38. Governing law

These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the Republic of Bulgaria, excluding its conflict-of-laws rules and excluding the United Nations Convention on Contracts for the International Sale of Goods. For Consumers resident in the European Union, this choice of law does not deprive you of the protection of any mandatory rules of the law of your country of residence under Article 6 of Regulation (EC) No 593/2008 (Rome I).

39. Jurisdiction and dispute resolution

Disputes arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the competent courts of the city of Sofia, Bulgaria. For Consumers resident in the European Union, this clause does not deprive you of any right to bring proceedings in the courts of your country of residence under Article 18 of Regulation (EU) No 1215/2012 (Brussels Ia) or applicable consumer-protection law.

Before commencing proceedings, you agree to contact us at hello@tradepirate.io with a clear description of the dispute and to give us a period of thirty (30) days to attempt resolution in good faith. This requirement does not delay or prevent any application for urgent injunctive relief or any statutory complaint to a consumer-protection authority.

40. Complaints and supervisory authorities

Complaints can be sent to hello@tradepirate.io. We will acknowledge receipt without undue delay and issue a substantive response within thirty (30) days of receipt, as required by Article 198 of the Bulgarian Consumer Protection Act. If a complaint cannot be resolved between us, Consumers may approach the Bulgarian Commission for Consumer Protection (kzp.bg) or another competent authority in their country of residence.

41. Limitation period for claims

To the extent permitted by law, and without prejudice to any shorter period imposed by law, any claim arising out of or in connection with these Terms must be brought within one (1) year of the date on which the cause of action accrued or be barred. This clause does not apply where a longer mandatory limitation period applies to a Consumer under the law of the Consumer's country of residence.

42. Notices

We give you notices under these Terms by email to the address registered on your Account, by notice on the Site, or by such other means as we reasonably determine. You give us notices by email to hello@tradepirate.io. Any electronic notice is deemed received when it enters the information system of the addressee, without the need for any separate confirmation; if sent outside normal business hours in the recipient's location, it is deemed received at the start of the next business day. The parties accept the legal validity of electronic communications and electronic signatures for the purpose of these Terms, in accordance with Regulation (EU) No 910/2014 (eIDAS) and Bulgarian law.

43. General

Assignment. You may not assign, transfer, or otherwise deal with your rights or obligations under these Terms without our prior written consent. We may assign, transfer, novate, or sub-contract these Terms or any of our rights and obligations under them, in whole or in part, in connection with a sale, merger, reorganisation, or transfer of all or part of our business, on notice to you.

Severability. If any provision of these Terms is held by a competent court or authority to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it valid, legal, and enforceable; if modification is not possible, the provision will be deemed deleted and the remaining provisions will continue in full force and effect. Any invalid provision will be replaced by the closest legal, valid, and enforceable provision permitted by the applicable Bulgarian and EU legislation.

Entire agreement. These Terms, together with our Privacy Policy and the Order Confirmation, constitute the entire agreement between you and us in respect of the Service and supersede all prior agreements, understandings, and communications on the same subject matter. Nothing in this clause limits liability for fraud or fraudulent misrepresentation.

No waiver. A failure or delay by us to exercise any right or remedy is not a waiver of it. A waiver of any right or remedy on one occasion does not constitute a waiver on any other occasion. Rights and remedies under these Terms are cumulative and in addition to those provided by law.

No partnership or agency. Nothing in these Terms creates any partnership, joint venture, agency, fiduciary, adviser-client, or employment relationship between you and us.

Third-party rights. A person who is not a party to these Terms has no rights under or in connection with them, save as expressly provided.

Language. These Terms are written in English. Translations may be provided for convenience; in case of conflict, the English version prevails, save where mandatory law in your country of residence requires otherwise.

44. Contact

Questions about these Terms, the formation of a contract, or the exercise of your rights under them can be sent to hello@tradepirate.io.