1. General

1.1. Purpose of the Equito Academy Terms & Conditions.

These Equito Academy Terms & Conditions (hereinafter referred to as the “Equito Academy T&C”) are entered into by and between Cryptix AG, Business Register Number: CHE-361.505.762 registered office in 6300 Zug, Switzerland (hereinafter: “Cryptix AG”) and respective Customers and govern the terms and conditions for purchase, use and/or providing access to any Equito Academy Course, accessible online within the Equito Investment Portal.

1.2. Information about the Company providing Equito Academy Courses.

• Company name: Cryptix AG
• Company registration number: CHE-361.505.762
• Company address: 6300 Zug, Switzerland
• Email: masterclass@cryptix.ag ;
• Website: www.cryptix.ag (Equito Academy Courses available at www.equito.co)

1.3. Validity and application of these Equito Academy T&C.

The Equito Academy T&C have been drawn up in accordance with the EU consumer protection laws, the General Data Protection Regulation (GDPR) and the EU electronic commerce laws and govern rights and obligations relating to the purchase, use and/or access to any online Equito Academy Course, accessible within the Equito Investment Portal as a digital service. The Customer and Cryptix AG are bound by these Equito Academy T&C, which are in force at the time of completing and paying an Order to purchase access to the Equito Academy Course. When submitting an Order for the purchase of access to a Equito Academy Course, the Customer shall be specifically advised of these Equito Academy T&C and shall be required to expressly confirm that he/she understands and agrees to them before placing the Order.

1.4. A “Customer”, according to these Equito Academy T&C, is any person who has completed and paid for an Order to purchase access to any Equito Academy Course. Any person who does not meet this definition is not entitled to apply these Equito Academy T&C against Cryptix AG. It is therefore understood that an Order placed by a Customer on behalf of a third party is subject to the legal relationship as defined by the Equito Academy T&C between the Customer and the Cryptix AG, without any legal claim by the third party against the latter.

1.5. Cryptix AG uses third party services to provide the platform for the Courses as well as for payment processing and those third parties may have access to your information for the purposes of providing the Equito Academy Course Services. Please note that we may communicate with you in connection with the provision of the Equito Academy Course and/or other services.

1.6. Equito Academy Courses are only accessible to respective Customers within the Equito Investment Portal, accessible at “www.equito.co”. Customers must create an account and login to Equito Investment Portal account to sign up for a Course.

2. Equito Equito Academy Course – description

2.1. For the purposes of these Equito Academy T&C the “Equito Academy Course”, “Equito Academy Course”, “Course” or “Service(s)” is a series of organised online lectures, tutorials and quizzes designed to enable clients to develop and/or enhance their knowledge of capital markets, investment classes, basic finance, corporate finance, macroeconomic indicators, investment strategies and related topics all accessible in digital format in an online environment.

2.2. The list of available Equito Courses is accessible at “https://equito.co/shop/.” The Courses are offered to Customers subject to terms and conditions set in these Equito Academy T&C and are available exclusively in video-streaming format as a digital service, which Customers access via digital streaming services and interactive online quizzes, which are made available specifically for this purpose within the Equito Investment Portal after the respective Customer has successfully signed up for a Course and paid the corresponding fee in accordance with the referenced price list.

2.3. For clarification purposes, the Equito Academy course is provided as part of the services offered by Cryptix AG. Within the Equito Investment Portal Customers may also engage in communication with fellow Customers taking the Equito Academy Courses.

3. Prices and payment methods

3.1. The prices for Equito Academy Courses are published within the Equito Investment Portal for particular Course and are applicable for online sales only. All prices are inclusive of applicable VAT and are expressed in EURO (EUR), unless otherwise indicated per individual country of jurisdiction. Prices do not have a predetermined duration, unless otherwise indicated, and are subject to change at any time without notice, whereas any subsequent potential change in prices does not affect your right to view any Courses you have already purchased.

3.2. The purchase of Equito Academy Courses is subject to the published price at the time of placing the purchase Order, which is binding on the Cryptix AG and the Customer. Each Course, bundle of Courses, or subscription package is offered for certain price as listed on the relevant landing page. To purchase an Equito Course you must provide one or more Payment Methods. You represent and warrant that you are authorized to use any and all Payment Method(s) you use to purchase an Equito Course. You agree to pay for all Cryptix AG products and Services that you purchase, and agree that we may charge your selected payment method through our third party payment processor for any such payments. If your payment method fails, we may collect fees owed or use other collection methods and suspend or terminate your access to our Services. The total purchase price of the selected Equito Academy Courses and applicable VAT is indicated at the checkout before completing the purchase and making the corresponding payment.

3.3. Customers of the Equito Academy Courses have different Payment Methods available. The supported Payment Methods are described in the designated “checkout” section within the Equito Investment Portal. Cryptix AG reserves the right to add or remove accepted Payment Methods at any time and without notice.  

3.4. For some Payment Methods, the issuer may also charge you certain fees, such as foreign transaction fees or other fees relating to the processing of your Payment Method. Local tax charges may vary depending on the Payment Method used. Check with your provider for details. All costs associated with the use of a particular Payment Method are the sole responsibility of the Customer. “Payment Method” means a current, valid, accepted method of payment as may be updated from time to time and which may include payment through your account with a third party.

3.5. All special offers or promotional offers published on the website “www.equito.co” are valid within the terms and conditions stated at the time of the special offer or promotional offer.

3.6. Taxes. If you elect to access or use Services that involve payment of a fee, then you agree to pay that fee and all taxes associated with such access or use, including, if applicable, any sales tax or VAT. Where Cryptix AG believes in good faith that VAT collection is required for any Course, VAT will be calculated and added once your billing information is provided. You will indemnify and hold Cryptix AG harmless against any and all claims by any tax authority for any underpayment of VAT, and any penalties and/or interest thereon. Cryptix AG is unable to provide you with tax advice and you should consult your own tax advisor.

4. Limitation of use, disclaimer

4.1. Your Use of the Courses. Subject to your compliance with this Equito Academy T&C and any other guidelines or policies we include through the Services, Cryptix AG grants you a limited, non-transferable, non-sublicenseable, non-exclusive, revocable license to make non-commercial, personal use of the Courses you purchase. Purchase of a Course only entitles you to the view the Course, and is not a purchase of the software, content, audio and/or visual material, artwork, presentations, diagrams, designs, associated trademarks, or other intellectual property rights contained in the Course. Except as set forth below, Cryptix AG reserves the right to terminate your access to your Investment Portal profile account or access to the website at any time for any reason or no reason at all, with or without notice to you. Unless you have, as determined in our sole discretion, violated this Equito Academy T&C, such termination will not terminate your right to view any Courses you have already purchased. You may not transfer your account to any other person or use anyone else’s account. Except as otherwise expressly permitted in these Equito Academy T&C, you are prohibited from and may not copy, sell, re-sell, display, reproduce, publish, modify, make creative derivative works from, transfer, distribute, or commercially exploit the Courses and/or any related materials; and Cryptix AG reserves the right to pursue legal action against you in connection with any unauthorized use of the Courses, the related materials, or your violation of this Equito Academy T&C, whether at law or equity. For the avoidance of doubt, the Customer must also refrain from making the digital content or digital service provided under Equito Academy Course available to third parties and/or public.

4.2. Informational Purposes Only. Equito Academy Courses are offered for information purposes only. Neither Cryptix AG, its partners, affiliated companies, nor any person providing lecture in any Course, is providing you legal, accounting, investment or financial advice. You are solely responsible for confirming the accuracy and appropriateness of the information for your own uses with your tax, finance, or legal advisor. Cryptix AG’s provision of any Course or the appearance of any specific person instructing any Course is not a recommendation by Cryptix AG of that Course, the content contained therein or the person providing lecture. We do not employ any instructors and are not responsible or liable to you for any interactions between you and any instructor or any other user of the Services. Cryptix AG makes no representations or warranties as to the quality of any Course or instructor.

4.3. No Academic Credit. Cryptix AG is not an accredited educational institution. Your participation in, or completion of, any Equito Academy Course does not confer any academic credit. Nothing in this Equito Academy T&C or otherwise through the Services on our Site, enrols you in any educational institution or in any course offered by any such institution.

4.4. Subject to your satisfactory completion of a Course, as determined by Cryptix AG in its sole discretion, Cryptix may provide you with a certificate of accomplishment upon conclusion of the applicable Course. You acknowledge that any such certificate merely indicates completion of a Course and is not affiliated with any college, university, company, or other certifying institution, and does not stand in the place of a course taken at any academic institution and does not convey academic credit or certification for any such academic institution and neither Cryptix AG nor any instructor has any obligation to you to assist you in obtaining any such credit or certification.

4.5. We use a secure third-party payment processor(s) for the Online Course Offering. These payment processors accept payment methods as detailed on the payment page. Information that you supply to our payment processors is not stored or controlled by us and is subject to the third-party payment processors’ privacy policy and terms and conditions. To the extent allowed under applicable law, we disclaim all liability with regard to any problems you have with any third-party payment processors.

4.6. Modification and/or Termination of Courses. We reserve the right to at any time, modify or discontinue, temporarily or permanently any one of the Equito Courses in whole or in part. You agree that Cryptix AG is not liable to you or any third party for any such modifications, suspension, or termination of any or all Courses. Nothing in this Equito Academy T&C shall be construed to obligate us to maintain and/or support any of the online Course Services, in whole or part, during the term of this Equito Academy T&C or thereafter.

4.7. Indemnification. You agree to indemnify and hold Cryptix AG harmless from and against any claims arising out of or related to your use of the Equito Academy Service, including without limitation, for your violation of any law or regulation or if your use infringes or otherwise violates any intellectual property or other proprietary right of Cryptix AG or any person or entity.

5. Right to withdrawal and refunds

5.1. Unless otherwise indicated, the Customer has the right to withdraw from the contract for the purchase of Equito Academy Course within 14 days from the day of conclusion of the contract, whereby the date of payment of full purchase price in accordance with section 3. of these Equito Academy T&C shall be deemed as the date of conclusion of the contract.

5.2. The Customer acknowledges that, unless otherwise indicated in article 5.6., he/she loses the right of withdrawal when the performance of the contract is started, such as download or streaming of the Equito Academy Course content, subject to the Customer’s prior express consent to begin the performance during the right of withdrawal period and acknowledgement that he/she has thereby lost his right of withdrawal. 

5.3. The Customer exercises the right to withdraw from the contract for the purchase of access to Equito Academy Courses by notifying the Cryptix AG in writing within 14 days from the date of the conclusion of the contract for the purchase of access to Equito Academy Course pursuant to these Equito Academy T&C (withdrawal notice), without being required to give a reason for this decision and regardless if the Customer has used his access to the purchased Equito Academy Course or not, partially or in full. The period referred to in the preceding sentence shall begin on the day following the date of completing and paying an Order to purchase access to the Equito Academy Course pursuant to these Equito Academy T&C.

5.4. The consumer may send the withdrawal notice within 14 days following the date of the conclusion of the contract for the purchase of access to Equito Academy Course pursuant to these Equito Academy T&C to the following address of the provider: “masterclass@cryptix.ag”. For this purpose, the Customer may either:

a) use the model withdrawal form as set out in Annex I; or
b) make any other unequivocal statement setting out his decision to withdraw from the contract by sending it to “masterclass@cryptix.ag”.

5.5. Contacting Cryptix AG through any other contact page, email, or number other than “masterclass@cryptix.ag” for a refund request will not be deemed notice to Cryptix of such request.

5.6. Notwithstanding EU consumer protection laws which allow the Customer the right to withdraw from the contract within 14 days as indicated under paragraph 5.1. and 5.2. of these Equito Academy T&C, Cryptix AG may occasionally offer Equito Academy Course Customers an extended 30-day right of withdrawal from the date of conclusion of the contract for the supply of the Equito Academy course on a “no questions asked” basis, and the Cryptix AG guarantees the refund of the paid purchase price. In such cases, the provisions of Articles 5.3 and 5.4 of these Equito Academy T&C shall be applied by granting a 30-day withdrawal period instead of the 14-day withdrawal period. Such right is provided to the Customers in terms of satisfaction guarantee with the content of the Equito Academy Course provided, regardless the provisions of Article 5.2. of these Equito Academy T&C except in cases of obvious malicious abuse.

5.7. Cryptix AG shall reimburse all payments received from the Customer in respect to the purchased and cancelled Equito Academy Courses without undue delay and in any event not later than 14 days from the day on which Cryptix AG is informed of the Customer’s decision to withdraw from the contract in accordance with Article 5.3. of these Equito Academy T&C. Upon withdrawal from the contract, only the amount paid shall be refunded to the Customer’s bank account.

6. Dispute resolution

6.1. In the event of a dispute arising out of the provision of Equito Academy Courses, Cryptix AG shall endeavour to resolve the matter quickly and amicably, in accordance with consumer law and good business practice. In accordance with the legal regulation on consumer laws the Customers that are consumer have the option of online out-of-court dispute resolution at the following link:

https://ec.europa.eu/consumers/odr/main/index.cfm?event=main.home.chooseLanguage

whereby the Cryptix AG does not recognise any out-of-court consumer dispute resolution provider.

7. Privacy protection

7.1. Cryptix AG keep the personal data of its Customers secure and will unconditionally treat them in accordance with the applicable regulations on the protection of personal data. All personal data provided at the time of ordering will be used solely for the purpose of order fulfilment and other necessary communication for the successful operation of the business, unless the Equito Academy user has specifically consented to any other form of processing of personal data.

7.2. Only in the case of explicit consent, we will also use your data to inform you about the launch of new or changes to existing services or products, special offers, prize draws and useful information about our services or products, to prepare individual or tailored offers, or other marketing activities. The above consent is not a condition for making a purchase of Equito Academy Course.

7.3. For more information on the protection of personal data, please refer to our Privacy Policy.

8. Miscellaneous

8.1. Interpretation. (a) When a reference is made in these Equito Academy T&C to a section, such reference shall be to a section of these Terms unless otherwise indicated;  (b) Any words following the terms including, include, in particular, for example or any similar expression shall be construed as illustrative and shall not limit the sense of the words, description, definition, phrase or term preceding those terms; (c) Unless the context otherwise requires, words in the singular shall include the plural and, in the plural, shall include the singular; (d) Section and paragraph headings shall not affect the interpretation of these Terms.

8.2. Severability. If any portion of these Equito Academy T&C is held by a court of competent jurisdiction to be invalid or unenforceable, the remaining portions of these Equito Academy T&C will remain in full force and effect and, upon our request, the court will construe any invalid or unenforceable portions in a manner that most closely reflects the effect and intent of the original language. If such construction is not possible, the provision will be severed from these Equito Academy T&C and the rest of the Equito Academy T&C remains in full force and effect.

8.3. Survival. Any terms which by their nature (such IP rights) should survive, will survive the termination of these Terms.

8.4. Governing Law; Venue. The Equito Academy Course services is owned and operated by Cryptix AG from Switzerland and by its subsidiaries and/or affiliated companies in Slovenia. The laws of Slovenia govern these Equito Academy T&C and all of its terms and conditions, without giving effect to any principles of conflicts of laws. Any dispute relating in any way to your use of the Equito Courses or these Equito Academy T&C will be adjudicated in the jurisdiction of the courts of Ljubljana, Slovenia, unless the conditions for the application of the national court’s alternative jurisdiction under article 18 of Regulation (EU) No 1215/2012 are met and the Customer who is a consumer under this Regulation avails itself of this option.

8.5. If you wish to make a complaint about the Equito Academy Course, you can make a complaint through our customer service at “masterclass@cryptix.ag”. Your complaint shall be dealt with in accordance with our complaint management process. 

8.6. Entire Agreement. These Equito Academy T&C, including without limitation the associated privacy policies, constitutes the entire agreement of the parties with respect to the subject matter of these terms, and supersedes and cancels all prior and contemporaneous agreements, claims, representations, and understandings of the parties in connection with the subject matter of these Equito Academy T&C.

8.7. Language. The original version of these Equito Academy T&C is written in English. Any translation into any other language is done for local requirements and in the event of a dispute, inconsistency or discrepancy between English and any non-English versions, the English version shall govern, to the extent not prohibited by local law in your jurisdiction.

8.8. Contact. If You need to contact us in relations to these Equito Academy T&C please email us to through customer service: masterclass@cryptix.ag

YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT AND UNDERSTAND THE RIGHTS, OBLIGATIONS, TERMS AND CONDITIONS SET FORTH HEREIN AND BY USING OUR SITE YOU EXPRESSLY CONSENT TO BE BOUND BY THE TERMS AND CONDITIONS OF THESE TERMS AND GRANT US THE RIGHTS SET FORTH HEREIN.

Cryptix AG, February 2023

ANNEX I:

Withdrawal form

(complete and return this form to “masterclass@cryptix.ag” only if you wish to withdraw from the contract)

For the attention of the company Cryptix AG, Business Register Number: CHE-361.505.762 registered office in 6300 Zug, Switzerland

I hereby give notice that I withdraw from my contract for the provision of the Equito Academy Course digital service,

Ordered on:_____________________________________________________

Name of consumer:_____________________________________________

Address of consumer:___________________________________________

Signature of consumer (only if this form is notified on paper):

__________________________________________________________________

Date: ___________________________________________________________