Terms and conditions

GENERAL TERMS AND CONDITIONS OF “LudiArs” Ltd.

I. General provisions

These “General Terms and Conditions” regulate the relations between “LudiArs” Ltd. (hereinafter referred to as “ludiars.com”), from the first side, and the users of digital (internet) pages and services, located at the domain www.ludiars.com (hereinafter referred to as “the website”), from the other side.

These General Terms and Conditions shall be binding to all users of the ludiars.com website.

By clicking on any object, link or button located on the webpages of ludiars.com (except for the link to these General Terms and Conditions), the User agrees, fully accepts and undertakes to comply with these “General Terms and Conditions”.

Before you start using our website, we advise you to read and understand these General Terms and Conditions.

II. DEFINITIONS

1. “The Provider” is “LudiArs” Ltd., Unified Identification Code: 203376579, with registered office and management address: city of Sofia, 23 “Moskovska” Str., registered in the Republic of Bulgaria and represented by its manager Daniel Slavchev Nikolov,

2. A “User” is a natural person who, in any form, uses the services or content provided through the website administered by the Provider, for personal purposes, also including a person who has entered into a contract for the provision of services with the Provider.

3. A “Shopping Cart” is a separate graphic element of the ludiars.com website, visualizing data about the services and goods selected by the User, which will be the subject of an order.

4. A “Force Majeure event” is an insurmountable and unpreventable event of an unusual nature, unforeseeable at the time of conclusion of the contract, which makes the provision of services objectively impossible.

5. “Content” is any text, image, sound, video, multimedia or other audio and/or audiovisual content, electronic reference or any other material, information or digital content, including expressed opinions and/or expert opinions, published on the ludiars.com website by the Service Provider on a service provider’s server for the storage of third-party information, which is not delivered on a physical medium and which is accessed through the ludiars.com website.

6. A “Web page” is a hypertext document containing files, images, audio, video and/or audiovisual and other content, which is accessed through a Uniform Resource Locator (URL).

7. “A Website” is a set of web pages containing text, sounds, images, electronic references, computer programs (software) or other materials and resources that are available on the Internet and which can be accessed through a Uniform Resource Locator (URL) in an electronic communications network by using the Hypertext Transfer Protocol (http/https).

8. “Media Stream” is the transmission of a constant stream of audio and/or video signals through an electronic communication network from the ludiars.com website or through an electronic link to websites or applications created, maintained and administered by third parties to a User’s end device that provides the User with the ability to watch and listen to the content in real time and in a repeated manner, including with the options to start, stop, and rewind, without storing a permanent copy of the content and without being provided with the ability to download and save it.

III. SERVICE FEATURES

1. The services offered by the Provider are intended to support various aspects of personal investment and insurance management, by taking into account the most appropriate individual consultation approach in order to achieve optimal results. Investment management and insurance advice does not guarantee specific results.

2. The Provider shall provide the User, free of charge or for a fee, with access to audiovisual and other digital content, including but not limited to informational videos, interviews, webinars, e-books and other resources related to personal investment and insurance management.

3. The features and content of each of the services offered by the Provider shall be described in detail on the respective web page of the website.

4. Through his/her User profile, the User shall have access to information content on the website.

IV. PURCHASE OF SERVICES

1. The User can purchase services from the categories of “Be Prepared All In” / “Be Prepared All”/ “Be Prepared Invest” / “Be Prepared Insurance” / “Be Prepared One on One”, by following the below steps:

Step 1: Click on the field of the categories “Be Prepared All In” / “Be Prepared All” / “Be Prepared Invest” / “Be Prepared Insurance” / “Be Prepared One on One” and carefully familiarize yourself with their features described on the respective web page of the website.

Step 2: Choose the right type of service from the relevant category by clicking on the “Buy here” button, which is located immediately below the respective service. The website automatically displays the selected service. In case that you wish to continue with the process of purchasing the service and if you want the service to be added to your “Shopping Cart”, press the “Buy now” button.

Step 3: To finalize your order, you can click on the blue “View Shopping Cart” window or on the Shopping Cart image in the upper right corner of the website. The website will display the services that you have selected, giving you the opportunity to review, check and change the contents of the Shopping Cart. Press the “Finalize the order” button and the website will display the payment methods for the selected service.

If you have already been our customer, please fill in your username / e-mail address and password in the blank fields that the website displays when you press the “Login” button.

In case you have not been our customer until now, you should fill in your data in the mandatory fields. After filling in the mandatory fields and pressing the “Place order” button, the website will automatically register you, and a message will be sent to the e-mail address that you have specified, with a confirmation of the completed registration and specifying a password.

Before pressing the “Place order” button, we advise you to thoroughly familiarize yourself with these Terms and Conditions, with our Privacy Policy and our Cookie Policy.

The acceptance of the Terms and Conditions, the Privacy Policy, the provision of consent to the registration of a User profile and the statement of awareness regarding the period for exercising the right of withdrawal, by ticking each of the checkboxes in front of them, is mandatory so that the User’s order can be sent to the Provider.

Step 4: Payment

If you have chosen “Bank transfer” as the payment method, you will automatically be redirected to a web page that contains the following information necessary to make the bank transfer: the full value of the service to be paid in BGN (Bulgarian leva); the details of the bank account that the amount should be transferred to; the bank account holder; details of the bank that administers the bank account; the order number, which must mandatorily be specified by the User as the grounds for the transfer. You will receive an e-mail confirming the order and containing the same amount of information to the e-mail you have provided.

In case that you have chosen “Payment at the cash desk” as the payment method in EasyPay, you will receive an e-mail confirming the order and specifying a payment code to the e-mail you have provided.

In case that you have chosen ePay or a virtual POS terminal card as the payment method, the website will automatically redirect you to the website of the respective payment service provider, where you should enter the payment details of the selected payment instrument. You will receive an e-mail confirming the order and containing information about the selected payment method to the e-mail that you have provided.

2. Payment for the ordered services shall be considered to have been made upon the receipt of the respective amount in the Provider’s account, if the payment method chosen by the User is by bank transfer or card payment; or upon the s receipt in the virtual wallet of the Service Provider, if the payment method chosen by the User has been by online payment through the ePay online payment intermediary, of an amount equal to the final price of the requested service and a specified valid order number.

3. When purchasing services from the categories “Be Prepared All In” / “Be Prepared All” / “Be Prepared Invest” / “Be Prepared Insurance” / “Be Prepared One on One”, within 3 working days, starting from the date of payment for the purchased services, a consultant from the Provider’s team will contact the User on the phone number specified by the latter. The User should inform the consultant of the method of providing the purchased services – online or in person at the Provider’s office, as well as specify the day and time for holding the sessions, according to the Provider’s schedule.

4. The User shall confirm that he/she has familiarized himself/herself with the content of these General Terms and Conditions, that he/she agrees with them and that the User undertakes to comply with them with each use of the services and content available through the ludiars.com website.

6. “Use” within the meaning of the preceding item shall include, but shall not be limited to, any access, visualization and playback of a web page from the ludiars.com website, any pressing or tapping on an electronic link visible on the home (title) page or on any other web page from the ludiars.com website.

7. In case that the User does not agree with any of the provisions of these Terms and Conditions, he/she should not use the ludiars.com website or any of the services available through it. In case that the User has already used them or is using them, he/she should stop using them immediately and leave the ludiars.com website.

8. The information on the offered services shall not be considered as an offer binding the Provider. By making the electronic statement through pressing the “Place order” button, the User shall make a binding offer to purchase the selected services from the Service Provider. With the receipt of the electronic message for a confirmed order at the e-mail address specified by the User, the User’s offer shall be considered as accepted and the contract for the provision of services shall be considered concluded.

9. The Provider shall undertake an obligation to provide the selected services after receiving payment for the latter in accordance with these General Terms and Conditions.

10. For the contractual relations between the Provider and the User, the General Terms and Conditions shall apply in their current version, as published on the ludiars.com website at the time of conclusion of the contract, with which the User has familiarized himself/herself and has expressly agreed to.

11. When purchasing the services from the categories of “Be Prepared All In” / “Be Prepared All” / “Be Prepared Invest” / “Be Prepared Insurance”, the contract shall be concluded for a period until the completion of the last session included in the respective service.

12. When purchasing a service from the category of / “Be Prepared One on One” the contract shall be concluded for a period until the meeting takes place – in person or online.

13. Payment by ePay or by card at a virtual POS terminal shall be performed in a virtual environment controlled by the respective payment service provider, and the personal data provided when using the latter shall be stored and processed according to the terms and conditions of the same payment service provider.

IV. RIGHTS AND RESPONSIBILITIES OF THE USER

1. The User shall use the ludiars.com website (hereinafter referred to as “the website” or “the site”) according to the procedure and the provisions of these General Terms and Conditions.

2. The right to use the website shall be available to any User who is legally able, who has reached the age of 18 and who has not been placed under full or limited restraint.

3. By accepting these General Terms and Conditions, the User declares that he/she is legally capable of acting and that, according to the current Bulgarian legislation, there are no obstacles to assuming contractual obligations by the User.

4. The User shall pay the price of the purchased services by using one of the payment methods specified in these General Terms and Conditions.

5. The User shall enter true and accurate information in the fields where it is required.

6. By purchasing/registering for services from the Provider for the first time, the User provides informed consent for the registration of his/her User profile. For subsequent purchases of services, the User shall use his/her already registered User profile.

7. The User has been informed that in order to gain access to the services offered by the Provider, regardless of whether such services are provided for a fee or free of charge, the User must possess a registered User profile on the website.

8. When purchasing services through his/her User profile, the User can track the history and status of his/her orders.

9. The User shall have the right to use the services available through the ludiars.com website only for personal purposes, outside the scope of any commercial or professional activity.

10. The User shall have the right to request and to receive information from the Provider regarding the terms and conditions for using the services.

11. The User shall have no right to use the digital or other content for commercial purposes; to distribute, to publicly perform, to broadcast by wireless means, to transmit and to retransmit it by cable communications; to translate it into another language; to revise and synchronize it; to offer access by wireless or cable means to an unlimited number of persons to the content or to a part thereof in a way that allows this access to be performed from a place and at a time individually chosen by each of them; to save or to store copies of the content, to provide third parties with copies of the content; or to provide third parties with services related to the access to the content granted to the User.

14. The User undertakes not to impersonate himself/herself as another person or as a representative of another natural person or legal entity or a group of persons that he/she is not authorized to represent, or to mislead in any way the Service Provider or third parties about the User’s identity or his/her affiliation to a particular professional or other group.

15. The User shall have the right to receive an invoice issued by the Provider for the fees paid for using the services. In the event that the User wishes to be issued an invoice, he/she should notify the Provider and provide the latter with additional data in accordance with the mandatory details of the invoice required by the Accounting Act and the Value Added Tax Act.

V. RIGHTS AND RESPONSIBILITIES OF THE PROVIDER

1. The Provider shall provide services to the User, through the ludiars.com website, free of charge or for a fee, which services shall include, but shall not be limited to: services for searching, processing and providing access to information and content available to the User in the form of text, images, audio, video and/or audiovisual resources and other services, services for the conclusion of a contract for the provision of services; services for sending a periodic newsletter by e-mail, as well as any other related services.

2. When purchasing /registering for each of the services, the Provider shall automatically register a User profile of each User through the website.

3. The Provider shall not provide the possibility to download or to save video and sound files.

4. When choosing the respective service, the Provider shall provide the User with full information about the features of the service in accordance with the Consumer Protection Act. In case that the ludiars.com website is accessed from a mobile device, the User shall be provided with at least the information under Art. 49, par. 5, of the Consumer Protection Act, while access to the complete information about the service and the text of these General Terms and Conditions shall be provided by electronic link.

5. The Provider shall provide the services in accordance with the provisions of these General Terms and Conditions and shall take the due and diligent care to provide the User with the opportunity to use the services in a normal and undisturbed manner.

6. The Service Provider shall have the right to receive remuneration in the corresponding amount announced on the website for each of the services upon their purchase by the User.

7. The Service Provider shall have the right to send the User commercial messages relating to the services provided through the website.

8. If the User refuses to receive commercial messages, the User shall state his/her wish not to receive commercial messages from the Provider by clicking on an electronic link for automatic unsubscribe, which shall be indicated in the content of the corresponding electronic message.

9. The Provider shall have the right to limit and to suspend the User’s access to the website’s content, as well as to notify the competent state authorities, if, at the Provider’s own discretion, the User commits illegal actions, violates the provisions of the current Bulgarian legislation or these General Terms and Conditions. The Provider shall notify the User of any limitation or suspension of services by sending an electronic message to the User’s e-mail address.

10. In case of multiple and repeated violations of the General Terms and Conditions by the User, the Provider shall have the right to delete the User profile after sending an electronic message to the User’s e-mail address.

11. The Provider shall have the right to change the content of the services in order to improve and update them. Information about upcoming changes shall be published in the form of a message on the website in a timely manner.

12. The Provider shall have the right to place, on each of the web pages of the website, electronic links, advertising banners and other forms of advertising for goods and services offered by third parties, as well as electronic links and advertising banners linking to websites located outside the control of the Service Provider.

VI. CONDITIONS FOR SERVICE USE

1. The services offered through the ludiars.com website require internet connectivity on the respective end device of the User through which the services are used.

2. In order to gain access to any of the services on the website, including seminars/webinars, regardless of whether they are provided free of charge or for a fee, registration shall be required in accordance with these General Terms and Conditions.

3. The services provided through the website shall be available in Bulgarian language.

4. In cases where part of the content is not available in Bulgarian language, such content shall be provided in the corresponding foreign language, and if possible – with translation or with subtitles.

VII. RIGHT OF WITHDRAWAL AND REFUNDS OF PAID AMOUNTS

1. The User shall have the right to withdraw from the contract for services of the categories “Be Prepared All In” / “Be Prepared All” / “Be Prepared Invest” / “Be Prepared Insurance” / “Be Prepared One on One” without owing compensation or penalty and without paying for any expenses during the period from the payment of the service until the moment in which a Provider’s consultant contacted the User:

1.1. For the service “Be Prepared All In” – for appointing a meeting for a “Preliminary introductory conversation for clarifying objectives”

1.2. For the service “Be Prepared One on One” – for appointing a date for performing the session;

1.3. For the service “Be Prepared All” – for appointing a meeting for a “Preliminary introductory conversation for clarifying objectives”

1.1. For the service “Be Prepared Invest” – for appointing a meeting for a “Preliminary introductory conversation for clarifying objectives”

2. In order to exercise his/her right of withdrawal, the User shall send to the Provider’s e-mail address specified for contact in the website – office@ludiars.com, the following sample text with filled-in information in the respective fields and striking through the non-relevant text, and this sent text shall contain the details of the standard withdrawal form under Art. 47, par. 1, item 8 and Art. 52, par. 2 and 4 of the Consumer Protection Act:

“To …………………………… (name of the merchant and their e-mail address):

– I/We hereby inform you that I/we withdraw from the contract concluded by me/us for the provision of the following service: …………………

– Ordered on: ……………………..

– Name of the User/Users: ………………………..

– Address of the User/Users: ………………………………..

– Date: ………………………….”

4. The User shall also have the right to withdraw from the contract for the provision of services in front of a consultant from the Provider’s team who has contacted the User within the time periods established in these General Terms and Conditions. In such a case, the User shall not be obliged to send an e-mail with the content described in item VII.3.

5. It is the responsibility of the User to prove a claimed withdrawal.

6. Within a period of up to 14 days, counted from the date of exercising the right of withdrawal from the contract, the Provider shall return to the User the amount paid for the respective services, by reimbursing that amount to the card with which it was paid – if the payment had been performed through an online card payment; to the bank account from which the amount was transferred – if the payment had been performed by bank transfer; to the respective ePay account – if an online payment had been performed through an intermediary for making ePay online payments. In the case of a refund via bank transfer or via ePay, the transfer costs shall be on the User’s account.

VIII. COMPLAINTS

1. The User shall have the right to submit a complaint to the Provider regarding the purchased services within a 14-day period from the date of establishing the non-compliance of the service with its agreed parameters.

2. The complaint shall be submitted by sending an electronic message to the Provider to e-mail address: office@ludiars.com.

3. When submitting a complaint, the User shall indicate the subject of the complaint, the User’s preferred way of satisfying the complaint, the amount of the claimed amount, and a contact address.

4. When submitting a complaint, the User must also attach the documents on which the complaint is based on according to Art. 125, par. 4, of the Consumer Protection Act.

5. The Provider shall accept the complaint if it has been made in a timely manner.

6. The Provider shall decide on whether the complaint has reasonable grounds within 14 days from its acceptance.

IX. LIABILITY AND COMPENSATIONS

1. The Service Provider shall take due and diligent care to keep the content on the website always correct and up-to-date, but shall not guarantee the reliability and completeness of the content and shall not commit to specific deadlines for updating the information, unless otherwise stated on the website.

2. The Service Provider shall not bear responsibility for damages suffered by the User as a result of incorrect data being specified by the User when requesting services, as well as for damages resulting from illegal access to the service by using third-party access data.

3. The Service Provider shall not be liable for its failure to provide the services in the event of circumstances beyond the Service Provider’s control, including in cases of a Force Majeure event, Act of God, disruption of global or local internet connectivity caused by damage to the underlying physical infrastructure, incorrect software configuration, network overload, denial-of-service attacks or any other problems in the provision of the services, which are beyond the Service Provider’s control, or problems due to the User’s equipment, as well as in cases of unauthorized access of or tampering by third parties in the functioning of the information systems of the Service Provider or a service provider’s servers used for storing third-party information.

4. The Service Provider shall not be liable for the non-provision of services, interruptions or deterioration of the quality of services, when such have been due to non-compliance with the requirements for ensuring technically undisturbed use of the services according to these General Terms and Conditions.

5. The User shall be responsible for protecting his/her username, password or any other data provided in connection with the use of the services according to these General Terms and Conditions.

6. The User shall be obliged to immediately notify the Provider of any observed cases of illegal access to the services performed by using his/her username and password, as well as in all cases where, according to the User, a danger exists of such use.

7. The User shall be responsible for all actions performed by using his/her username and password by him/her or by third parties, in the event that the User has not notified the Provider about them in a timely manner.

X. PERSONAL DATA PROTECTION

The Provider shall store and process the personal data provided to it according to the procedure and the provisions specified in the Privacy Policy published on this website.

XI. FINAL PROVISIONS

1. The provisions of the current Bulgarian legislation shall apply to matters not regulated by these General Terms and Conditions.

2. The judicial declaration of the invalidity of one or more provisions of these General Terms and Conditions shall not entail the invalidity of the remaining provisions.

3. Disputes arising in connection with these General Terms and Conditions shall be resolved by the competent court in the Republic of Bulgaria.

4. The Provider reserves the right to change these General Terms and Conditions at its own discretion, with the changes coming into force from the moment of their publication and having legal effect from that moment on.

5. In the relations between the Provider and the User, arising in connection with a purchased service, the applicable General Terms and Conditions shall be those, which were in effect at the time of the service purchase and which the User expressly accepted. In all other cases, in the relationship between the Provider and the User, the applicable General Terms and Conditions shall be those, which have been published on this website and which are effective at the time of using the website.