TERMS & CONDITIONS

Effective Date: July 14, 2025
Owned and Operated by: Ten Percent Academy OÜ

Agreement Between User and 10PercentAcademy.com

Welcome to www.10percentacademy.com (the “Site”), owned and operated by 10 Percent Academy OÜ, a private limited company incorporated in Estonia under Estonian law. These Terms & Conditions (“Terms”) govern your use of our services. By accessing or using the Site, you agree to comply with and be legally bound by these Terms.

If you do not agree to these Terms, you must not access or use this Site.

10 Percent Academy OÜ, its employees, mentors, guest speakers, contributors, and affiliates are not licensed financial advisors, tax professionals, investment brokers, or legal consultants.

All information provided within the finance & investment campus or related communities is strictly for general educational and informational purposes only.

You acknowledge and agree that:

  • No content on this platform constitutes personalized financial, investment, tax, or legal advice.
  • We do not recommend or endorse any specific securities, investments, strategies, or financial instruments.
  • You are solely responsible for your financial decisions, and should always consult a licensed professional before acting on any information obtained from this platform.

By using this platform, you waive any claim against 10 Percent Academy OÜ or any mentor, educator, or participant for financial losses, damages, or liabilities of any kind.

2. Service Overview

10PercentAcademy.com provides digital educational content, mentorship, and access to community platforms for informational and educational purposes only. We specialize in topics such as investing, fitness and health, AI video editing, and personal branding.

Our services are designed for users who are committed to self-education and personal development. Participation in our programs does not guarantee any financial, business, or physical outcome.

Access is restricted to registered users and is contingent upon ongoing compliance with these Terms.

3. Mentor Protection

Mentors and educators providing content or commentary on this platform do so as independent contributors for educational purposes only. They are not acting in any official advisory capacity, and no user-mentor relationship is intended to be fiduciary or client-based.

To the fullest extent permitted by law, you agree to hold harmless and indemnify all mentors, contributors, and representatives of 10 Percent Academy OÜ from any and all claims, demands, or liabilities arising from your reliance on their content.

4. Your Account

You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

10 Percent Academy OÜ reserves the right to suspend or terminate accounts that are misused or violate these Terms.

5. Payments and Membership

Memberships are billed on a recurring monthly basis. By subscribing, you authorize us to charge your selected payment method every 30 days. You may cancel anytime from your user dashboard. Cancellations must be submitted before the next billing cycle to avoid further charges.

All pricing is listed in USD, unless otherwise specified.

Due to the digital nature of our services, all sales are final and non-refundable, unless otherwise required by applicable law or explicitly granted by us in exceptional cases.

6. International Users

This site is operated from Estonia and governed by Estonian laws. If you access our services from outside Estonia, you do so at your own risk and are responsible for compliance with local laws.

We do not guarantee that our services are appropriate or available in all jurisdictions.

7. Communications

By registering with the Site, you consent to receive emails, notifications, and other communications from 10 Percent Academy OÜ electronically. You agree that such communications satisfy any legal requirements for written communication.

8. Prohibited Use

You agree not to use the Site or any part of it:

  • For any unlawful or fraudulent purpose.
  • To disseminate harmful, defamatory, or misleading content.
  • To impersonate any person or misrepresent your affiliation.
  • To interfere with or disrupt the Site or any networks or servers connected to it.

We reserve the right to restrict, suspend, or terminate your access to the platform if you engage in conduct that violates these Terms or harms the community.

9. Intellectual Property

All materials provided on this Site, including but not limited to videos, PDFs, guides, logos, trademarks, and designs, are the property of 10 Percent Academy OÜ or its content providers. You may not reproduce, distribute, or publicly display any part of our content without prior written consent.

This Site may contain links to third-party websites. 10 Percent Academy OÜ is not responsible for the content, terms, or privacy policies of those sites. Use of such third-party sites is at your own risk.

11. Indemnification

You agree to indemnify and hold harmless 10 Percent Academy OÜ, its owners, directors, mentors, affiliates, and staff from and against any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of the Site, your violation of these Terms, or your violation of any law or third-party right.

12. Limitation of Liability

To the maximum extent permitted by law, 10 Percent Academy OÜ shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including loss of profit, data, or use, whether in an action in contract, tort, or otherwise, arising out of or in any way connected with your use of the Site or the content provided.

13. No Warranties

All content and services are provided “as is” and “as available,” without warranties of any kind, express or implied. We make no guarantees that the Site will be uninterrupted or error-free.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of Estonia. Any disputes arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts of Estonia.

15. Class Action Waiver

To the fullest extent permitted by applicable law, you agree that any legal claim must be brought in your individual capacity only, and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

16. Modifications

We reserve the right to update these Terms at any time. Continued use of the Site constitutes acceptance of any changes. You are encouraged to review this page regularly.

17. Contact

If you have any questions about these Terms, you may contact us at:

Email: admin@10percentacademy.com
Company: 10 Percent Academy OÜ
Jurisdiction: Republic of Estonia