YOUR ACCESS TO AND USE OF THE COMPANY SITES, PROJECTS AND MATERIALS ARE CONDITIONED ON YOUR  ACCEPTANCE OF AND COMPLIANCE WITH THESE  TERMS. BY ACCESSING OR USING THE COMPANY SITES, PROJECTS  AND MATERIALS YOU AGREE TO BE BOUND BY THESE  TERMS. IF YOU DO NOT AGREE TO THE TERMS HEREIN,  YOU AGREE THAT YOU WILL NOT ACCESS OR USE THE  COMPANY SITES, PROJECTS  AND MATERIALS , AND YOU UNDERSTAND THAT YOU ARE PROHIBITED FROM ACCESSING ANY WEBSITES OR MATERIALS PROVIDED  BY THE COMPANY. 

1. GENERAL

These terms and conditions (the “Terms”) govern your use of the websites, mobile applications, projects and materials and other services on which these Terms are posted (collectively, the “Services”) provided by Trading Education OÜ, a company organized and existing under the laws of USA, and DS Media, a company organized and existing under the laws of Netherlands (the “Company” or “We” or “Us”). These Terms apply to all websites, services, subscriptions, content, features, and projects provided by the Company and its owners, subsidiaries, affiliates, joint business ventures, and all their respective officers, directors, employees, agents, and representatives (collectively, “Company Affiliates”). Without limitation, such websites include https://kralowwolf.com, https://sale1.thomaskralow.com, https://sale.thomaskralow.com, http://aff.thomaskralow.com, http://thomaskralowacademy.com, https://webinar4.thomaskralow.com, https://challenge.eventhorizon.tech, https://flexiblesystem.thomaskralow.com, https://offer.thomaskralow.com, https://wolfofretrodrops.com, https://clubthomaskralow.com, https://www.clubkralow.com, https://www.thomaskralowclub.com, http://secretmethodthomas.com, https://thomas-trading.club, https://www.gamechangercommunity.com, https://www.thomaskralowclub.com/gamechanger, https://funnelthomas.com, https://kralowinvest.com and its subdomains, as well as any related platforms, projects, or features (collectively, "Company Sites, Projects and Materials").

The Company reserves the right to revise these Terms at any time by updating this posting or notifying you through the contact information on record. Continued use of the Company Sites, Projects and Materials following any such updates constitutes your acceptance of the revised Terms.

The Company Sites, Projects and Materials are not directed at or intended for individuals under the age of 18. By accessing or using any of these, you affirm that you are at least 18 years old.

2. GENERAL DISCLAIMER 
The Company is not an investment, financial, tax, or legal advisor, nor is it a broker-dealer. The Company does not provide personalized investment, financial, tax, or legal advice in any form. Additionally, the Company does not guarantee specific results or outcomes in any of its projects, including trading, educational, or mentorship activities. The Company’s role is limited to providing market analytics, reviews of current events, educational materials, and general guidance.

You acknowledge and understand that all activities, including trading securities or applying educational and mentorship strategies, involve inherent risks. You agree that you, and not the Company, are solely responsible for conducting your own research and making your own decisions. You should never undertake activities with financial or personal resources that you cannot afford to lose. The Company strongly encourages you to investigate and fully understand all risks associated with your chosen activities before engaging in them. The Company assumes no responsibility or liability for your results or outcomes in trading, education, or professional development, and you agree to indemnify and hold the Company harmless for any such outcomes or losses.

Past results, including those of Thomas Kralow, other members, or any systems published by the Company, are not indicative of future performance. Any methods, techniques, information, indicators, strategies, articles, or other content provided by the Company (collectively, the “Information”) are intended solely for informational and educational purposes. The Information should not be interpreted as advice or relied upon as a basis for making decisions.

You are solely responsible for performing independent research to form your own opinions about any activities or opportunities. Nothing provided in the Information constitutes a promise or guarantee of any specific result, and you remain fully accountable for all decisions and outcomes arising from your participation in the Company’s projects.

3. INTELLECTUAL PROPERTY, HYPERLINKS & LINKS TO  OTHER WEBSITES
All content on the Company Sites, Projects and Materials, including but not limited to User Submissions (as defined below), third-party applications, and any other content, as well as the copyrights, trademarks, service marks, and other intellectual property rights associated with such content, are the exclusive property of the Company and/or its third-party licensors or providers unless otherwise expressly stated. You are permitted to access and use this content solely for personal, non-commercial purposes. Any modification, reproduction, or use of this content beyond what is explicitly permitted under these Terms constitutes a violation of the Company’s intellectual property rights and may result in legal liability. The Company and its third-party licensors reserve all rights not expressly granted herein. 

The Company Sites, Projects and Materials may contain links to third-party websites. The inclusion of such links does not imply an endorsement of the third party, their products, or services, nor does it establish any affiliation with the third party. The Company does not exercise control over third-party websites and disclaims any responsibility for their content, policies, or practices. Third-party websites may follow different rules regarding the collection, use, or disclosure of your personally identifiable information. We strongly encourage you to review the privacy policies or terms of use of any third-party websites you visit.

4. USER SUBMISSIONS AND OTHER CONTENT
The Company Sites, Projects, and Materials may allow users to submit content, including but not limited to comments, articles, links, and conversations in forums or chat rooms (“User Submissions”). By posting any such User Submissions, you grant the Company an irrevocable, worldwide, non-exclusive, royalty-free license (including the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display, and distribute such User Submissions in any media or distribution methods now known or later developed. The Company reserves the right, at its sole discretion and without prior notice, to monitor, censor, edit, move, or remove any content posted on the Company Sites, Projects, and Materials, including User Submissions, at any time and for any reason.

The Company does not warrant or guarantee the completeness, truthfulness, accuracy, usefulness, or reliability of any content or User Submissions and does not necessarily endorse any opinions expressed therein. By using the Company Sites, Projects, and Materials, you understand and accept that you may encounter content that could be offensive, harmful, inaccurate, or otherwise inappropriate. The Company does not monitor or control all content or User Submissions accessible on the Company Sites, Projects, and Materials and assumes no responsibility for such content.

The Company reserves the right to send messages and marketing newsletters to users, and by accepting these Terms, users consent to receiving such communications.

Special Conditions Regarding the Use of WhatsApp
By accepting these Terms, you consent to receiving messages from the Company and/or its affiliates via WhatsApp. This includes updates, promotions, or other communications related to the Company’s projects and materials. Acceptance of these Terms constitutes explicit consent to receive messages through WhatsApp.

5. TRANSPARENCY AND RESULTS CLAIMS
The Company delivers content, materials, and strategic guidance aimed at fostering the educational, professional, and financial growth of its members through its diverse projects. However, the achievement of specific outcomes is inherently dependent on individual effort, compliance with provided guidelines, and external factors such as market conditions, which are beyond the Company’s control. Members acknowledge that their success in any project is contingent upon active participation, consistent application of the strategies provided, and circumstances unique to their personal situation. Historical performance or achievements by the Company or its members do not serve as guarantees of future results and should not be construed as assurances of success. The Company expressly disclaims any guarantee of specific results or outcomes arising from membership in its projects. All content, materials, and strategies are intended solely for informational and educational purposes, and members are encouraged to exercise independent judgment and due diligence when applying the information provided.

6. TERMS OF MEMBERSHIP 
The Company provides a range of projects, including the Invest Club, Game Changer and the Mentorship Program, aimed at delivering educational resources, professional support, and opportunities for personal and financial growth. All these projects are internal initiatives of the Company, operating as distinct units with specific goals and offerings while remaining integral parts of the Company's structure and vision.

Members may choose to engage with one or multiple projects based on their individual needs and preferences, without any obligation to participate in all initiatives simultaneously. 

Each project is governed by its own Terms and Conditions, including distinct policies for subscriptions, payments, refunds, membership conditions, and privacy, which are detailed in separate clauses and accessible via the provided links below. All projects are managed and executed through the check form provided by the GetCourse platform. Members are required to use this form to complete their registration and payment process and are bound by the terms outlined therein.

Members are required to review and accept the respective terms prior to engagement in any of the Сompany’s projects.

The following sections provide an overview of each project, detailing their purpose, structure, and benefits:

6.1 Invest Club
The Invest Club, operated by the Company, is a platform for traders and investors, offering access to professional trading signals, market analysis, and educational materials. It is designed to help members improve their trading skills and achieve steady, long-term growth. Membership provides daily trading signals with detailed instructions, including entry and exit points, risk management guidelines, and profit targets, covering various financial instruments. Members also gain access to market insights and educational content aimed at enhancing their trading strategies and decision-making. Additional support is available to assist with the practical application of provided resources.

By joining the Invest Club, members agree to assume full responsibility for their trading decisions and outcomes, acknowledging the inherent risks of market volatility and potential capital drawdowns. Members are expected to adhere to the Community’s guidelines and actively utilize the provided resources to achieve optimal results.

The Terms and Conditions governing subscriptions, payments, refunds, and other financial matters related to the Invest Club are provided separately and can be accessed through the following link: https://school.thomaskralow.com/TERMS_club

The Privacy Policy applicable to the Invest Club is provided separately and can be accessed through the following link: https://school.thomaskralow.com/privacypolicy_club

6.2 Game Changer
Game Changer, operated by the Company, is an educational platform and community designed to promote personal and professional growth through structured learning, affiliate marketing opportunities, and collaborative engagement. The platform offers a subscription-based model, providing members with access to diverse educational resources, live weekly sessions, affiliate marketing tools, and a dedicated online community. Membership includes access to a variety of programs focused on personal development, trading, financial literacy, and affiliate marketing. Additional features include tools to track referrals, generate income, and utilize curated educational content. The collaborative community allows members to participate in discussions, share resources, and receive support tailored to specific courses and goals.

By joining Game Changer, members accept full responsibility for their actions and outcomes, actively engage with the platform’s resources, and comply with the applicable rules and policies.

The Terms and Conditions governing subscriptions, payments, refunds, and other financial matters related to Game Changer are provided separately and can be accessed via the following link: https://school.thomaskralow.com/TERMS_game  

The Privacy Policy applicable to Game Changer is provided separately and can be accessed via the following link: https://school.thomaskralow.com/privacypolicy_game  

6.3 Mentorship Program
The Mentorship Program, operated by the Company, is designed to assist members in developing, scaling, and managing their businesses or creating one based on their skills and objectives. The program provides structured training, actionable feedback, and strategic mentorship to achieve predefined goals within a mutually agreed timeframe. Members engage in courses covering essential business topics and join virtual sessions tailored to address specific challenges. The program supports existing business owners seeking to optimize operations and scale, professionals aiming to establish a business using their expertise, and beginners developing an affiliate marketing system. Emphasis is placed on utilizing social media and marketing strategies as efficient tools for business development. Members also benefit from access to the Company's professional network, including potential investors, suppliers, and key industry contacts.

By enrolling in the Mentorship Program, members agree to actively engage with the training, complete assigned tasks, and adhere to the program’s guidelines, accepting full responsibility for their progress and outcomes.

The Terms and Conditions governing subscriptions, payments, refunds, and other financial matters related to the Mentorship Program are provided separately and can be accessed through the following link: https://offer.thomaskralow.com/terms-and-conditions-mentorship. 

7. PAYMENT PLAN AND TERMINATION
If you have signed up for an educational program, you must pay the full tuition amount upfront. If you fail to pay the agreed fees in accordance with the payment plan, then we may not provide you with the Service until such payment is provided, and we may take steps to recover your outstanding fees as permitted by law. 

To terminate your Membership, you must notify us by e-mail: info@dealcon.ee. Any termination will not take effect until the end of the agreed minimum term as 2 months (and, as such, you will not be entitled to any refund for these 2 months).

The Company may terminate your access to and use of the Company Sites, Projects and Materials at any time. Cause for such termination shall include, but not be limited to (i) breaches or violations of these Terms or other agreements or guidelines, (ii) requests by law enforcement or other government or regulatory authorities, or (iii) violation or unauthorized use of copyrights or other intellectual property. Cancellation or termination of your account, services, or subscriptions by the Company shall not relieve you of any obligation to pay any accrued fees or charges. You may not access or use the Company Sites, Projects and Materials after termination or notification of the same.

8. Tuition Refunds
8.1. Refunds for memberships are subject to the specific terms and conditions established for each project operated by the Company. The procedures and conditions for refunds are detailed in the respective Terms and Conditions documents for each project.
8.1.1. Users are required to review and accept the refund policies outlined in the Terms & Conditions of the selected project prior to registration.
8.1.2. Refund requests must be submitted and processed in accordance with the provisions stated in the present Terms and Conditions.

8.2. Refund Procedure
The User must submit a written refund request, indicating the reason for the request, by sending the application to the email support@thomaskralow.com.
The Company will review the request within 45 calendar days from the date of its receipt. In the event of a positive decision, the Company will process the refund to the same account or card from which the payment was made within 100 calendar days.
Refunds will not be processed in case of User violation of the terms of this document.
The Company reserves the right to unilaterally amend this section. Changes come into effect upon their publication on this website.

9. RESPONSIBILITY AND DUTIES OF THE CUSTOMER
By providing Us with your personal information, you agree and confirm that  it is truthful and accurate. 

By using the Service, you agree that you will only use the Service for private  and personal reasons and that you do not use or intend to use the Service  for commercial reasons. You also agree that you will not use any  information about third parties (including other members) that you receive  through the Service for commercial or advertising purposes. 

If you materially breach these Terms and Conditions or otherwise breach  the law in relation to your use of our Service, we may be entitled to claim  damages in accordance with the general rules of US law. 

You will treat e-mails and other messages received via or in relation to the  Service confidentially, and you will not disclose these messages to third  parties. The same rules also apply to any names, phone, and fax numbers,  home addresses, e-mail addresses and/or URLs, or other personal  information of any other Company's projects members. 

You agree that you will retrieve any messages you receive (as well as any  information contained in your profile that you would like to keep) at  regular and appropriate intervals and, if required, that you will archive this  information on your own computer or other data storage system. You  understand that all your data relating to your current membership will be  automatically deleted if your profile is inactive for twenty-four months. 

By becoming a member in any of the projects operated by the Company, you agree not to misuse the Service and to comply with our conduct requirements. In particular, you will not use the Service: 

• to distribute any immoral, obscene, pornographic or radical political  content or photos;
• to distribute any defamatory, offensive or otherwise illegal content  or information;
• to threaten or harass other members, or to infringe any third party  rights (including personal rights);
• to upload any data which contains a virus (such as infected software);  or to upload data which contains software or other content which is  protected by copyright, unless you own the rights in that content or  have otherwise obtained the necessary consents;
• to intercept any e-mails/ messages or to attempt to intercept them;
• to send any e-mails/ messages to members for any purpose other  than to communicate, and in particular, you will not use the Service  to promote or to offer goods or services to other members except  where this is expressly permitted;
• to send any chain letters;
• to send any messages that serve a commercial purpose;

If you do not comply with the conduct requirements as mentioned above,  or if you fail to comply with any other of the Terms materially, we may take  the following actions: we may ask you to stop your non-compliant activities  (or otherwise send you a warning that your activities do not comply with  our conduct requirements); we may delete any content which you have  submitted via the Service in breach of any of our conduct requirements; we  may suspend the provision of the Service to you (in whole or in part) until  the issue is resolved (for example, while we investigate your activities); or  (if it is clear to us that you are seriously misusing the Service) we may  terminate the provision of the Service to you. If we do decide to terminate  your membership because you have misused the Service, you will not be entitled to a refund for any payments made. 

10. SECURITY
No measures designed to protect, secure, or preserve the integrity or  confidentiality of information, including methods of transmission over the  Internet or method of electronic storage, can guarantee the security of  your information. The Company makes no assurances regarding the  security of your information. 

11. DISCLAIMER OF WARRANTIES
YOU EXPRESSLY UNDERSTAND AND AGREE THAT THE CONTENT, PRODUCTS,  TOOLS, AND SERVICES INCLUDED OR OBTAINED VIA OR AS PART OF THE  COMPANY SITES, PROJECTS OR MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS  AVAILABLE” BASIS AND WITHOUT REPRESENTATIONS OR WARRANTIES OF  ANY KIND, EITHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT  PERMITTED BY APPLICABLE LAW. THE COMPANY EXPRESSLY DISCLAIMS ALL  WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY,  INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE AND NON - INFRINGEMENT, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS  FOR A PARTICULAR PURPOSE, AND ALL WARRANTIES RELATING TO THE  ADEQUACY, ACCURACY, RELIABILITY, USEFULNESS OR COMPLETENESS OF  ANY OF THE INFORMATION CONTAINED ON OR IN THE COMPANY SITES, PROJECTS AND  MATERIALS. 

12. LIMITATION OF LIABILITY
NEITHER THE COMPANY NOR THE COMPANY AFFILIATES NOR ANY OF THEIR  SUPPLIERS, ADVERTISERS, OR SPONSORS ARE OR WILL BE LIABLE FOR ANY  ACTUAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY,  PUNITIVE OR OTHER DAMAGES WHETHER UNDER ANY CONTRACT,  NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR  RELATING IN ANY WAY TO ANY OF THE COMPANY SITES, PROJECTS AND MATERIALS, OR  ANY OF THE CONTENT CONTAINED THEREIN, OR ANY PRODUCT OR SERVICE  USED OR PURCHASED THROUGH THE COMPANY INCLUDING, BUT NOT  LIMITED TO, LOST REVENUE OR INCOME, LOSS OF CAPITAL, PAIN, AND  SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF THE  COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 

The Company complies with all applicable consumer protection laws, providing users with necessary information and rights in accordance with current legislation.

The Company adheres to advertising legislation, furnishing accurate and reliable information about its services. In the event of claims or disputes, the Company commits to resolving them in accordance with applicable legislation, providing users with a clear mechanism for lodging and resolving concerns. The Company reserves the right to amend this section in accordance with U.S. legislation. Changes become effective upon their publication on the official website.

13. INDEMNIFICATION
As a condition of your use of the any of the Company Sites, Projects and Materials,  you agree to indemnify and hold the Company and the Company Affiliates  harmless for any losses, claims, judgments, costs, damages, and expenses  (including attorneys' fees) caused by or resulting from (a) your violation of  these Terms; (b) your use or reliance upon any of the Company Sites, Projects and  Materials; (c) your violation of the rights of any third party, (d) any claim  that one of your User Submissions caused damage to a third-party, or (e)  any claim or demand by a third party arising out of your use of any third-party website. This obligation to indemnify and hold harmless will survive  the expiration or termination of these Terms and your cessation of use of  the Company Sites, Projects and Materials.

14. MISCELLANEOUS
Except as otherwise provided herein, you agree that any controversy or  claim, whether at law or equity, arising out of or related to the provision  of services or materials by Company, regardless of the date of accrual of  such dispute, shall be resolved in its entirety by individual (not class - wide  nor collective) binding arbitration. 

You and We agree that our sole relationship is a contractual one governed  by these Terms. Any controversy or claim arising out of or related to the  provision of services or materials by Us shall be resolved solely based on  these Terms. 

ALL DISPUTES WITH TK ARISING IN ANY WAY FROM OR IN ANY WAY RELATED  TO THIS AGREEMENT SHALL BE RESOLVED EXCLUSIVELY THROUGH FINAL  AND BINDING ARBITRATION, AND NOT BY A COURT OR JURY. 

ANY SUCH DISPUTE SHALL NOT BE COMBINED OR CONSOLIDATED WITH A  DISPUTE INVOLVING ANY OTHER PERSON'S OR ENTITY'S PRODUCT OR  CLAIM, AND SPECIFICALLY, WITHOUT LIMITATION OF THE FOREGOING,  SHALL NOT UNDER ANY CIRCUMSTANCES PROCEED AS PART OF A CLASS  ACTION. THE ARBITRATION SHALL BE CONDUCTED BEFORE A SINGLE  ARBITRATOR; WHOSE AWARD MAY NOT EXCEED, IN FORM OR AMOUNT, THE  RELIEF ALLOWED BY THE APPLICABLE LAW. 

The arbitration shall be conducted according to the American Arbitration  Association (AAA) Commercial Arbitration Rules applicable to consumer  disputes. The AAA Rules are available online at adr.org or by calling the  AAA at 1- 800 - 778 - 7879. This arbitration provision is entered pursuant to  the Federal Arbitration Act. The arbitrator shall decide all issues of  interpretation and application of this arbitration provision.For any  arbitration in which your total damage claims, exclusive of attorney fees  and expert witness fees, are $5,000 or less (“Small Claim”), the arbitrator  may, if you prevail, award your reasonable attorney fees, expert witness  fees and costs as part of any award, but may not grant TK its attorney fees,  expert witness fees or costs unless it is determined that the claim was  brought in bad faith. In a Small Claim case, you shall be required to pay no  more than half of the total administrative, facility, and arbitrator fees, and  TK shall pay the remainder of such fees. Administrative, facility, and  arbitrator fees for arbitrations in which your total damage claims, exclusive  of attorney fees and expert witness fees, exceed $5,000 ("Large Claim")  shall be determined according to AAA rules. In a Large Claim case, the  arbitrator may grant to the prevailing party or apportion among the  parties, reasonable attorney fees, expert witness fees, and costs. Judgment  may be entered on the arbitrator's award in any court of competent  jurisdiction.
This arbitration provision also applies to claims against TK' s employees,  representatives, and affiliates if any such claim arises from the Product's  sale, condition or performance. 

You may opt - out of this dispute resolution procedure by providing notice  to TK no later than 30 calendar days from the date of the first consumer  purchaser's purchase of the Product. To opt - out, you must send notice  by e -mail to info@dealcon.ee, with the subject line:  “Arbitration Opt Out.” You must include in the opt - out e -mail (a) your  name, address, and e -mail address used in connection with the Service  and (b) the date on which you began using the Service.
The advice of Counsel. EACH PARTY ACKNOWLEDGES THAT, IN EXECUTING  THIS AGREEMENT, SUCH PARTY HAS HAD THE OPPORTUNITY TO SEEK THE  ADVICE OF INDEPENDENT LEGAL COUNSEL, AND HAS READ AND  UNDERSTOOD ALL OF THE TERMS AND PROVISIONS OF THIS  AGREEMENT. THIS AGREEMENT SHALL NOT BE CONSTRUED AGAINST ANY  PARTY BY REASON OF THE DRAFTING OR PREPARATION HEREOF. 

These Terms constitute the entire agreement between you and the  Company relating to your use of the Company Sites, Projects and Materials and  supersedes any and all prior or contemporaneous written or oral  agreements on that subject between us. If any provision of the Terms is  found to be unlawful, void, or for any reason is unenforceable, then that provision shall be deemed severable from the Terms and shall not affect  the validity and enforceability of any remaining provisions.

By accepting these Terms, members in any project operated by the Company agree to the following: 

Engaging in trading or related educational activities as part of the projects requires significant psychological resilience and endurance. Members must demonstrate patience, attention, and active involvement throughout their journey in the selected project. Financial markets, including cryptocurrency markets, are inherently unpredictable, and outcomes cannot be guaranteed as they are based on probabilities. Members may experience financial drawdowns or short-term setbacks, with results typically evaluated over longer periods, such as several months. Success in applying the knowledge and strategies taught within the projects requires strict adherence to the provided guidance, including risk management, money management, and specific rules outlined in the educational content. Not all strategies or approaches taught in the projects will yield positive results, as financial markets are dynamic and subject to unexpected changes. Members acknowledge and accept full responsibility for their actions and decisions, including any consequences arising from their application of the knowledge gained. The Company’s content, materials, or guidance cannot influence or determine member actions or results and is intended solely for educational purposes.