This document constitutes a legally binding public offer (hereinafter referred to as the “Agreement”) issued by TRADING EDUCATION OÜ, a company duly incorporated and existing under the laws of Estonia, with its registered office at Harju maakond, Tallinn, Lasnamäe linnaosa, Tähesaju tee 21-114, 13917 (hereinafter referred to as the “Company”or  the “Organizer”).

This Agreement sets forth the terms and conditions governing the participation of any legally capable individual of full legal age (hereinafter referred to as the “Participant”) in the Company’s premium mentorship product titled “Personal work with Thomas” (hereinafter referred to as the “Mentorship Program”). The Mentorship Program is an individualized mentorship offering focused on strategic guidance, decision-making frameworks, and personalized support and does not constitute a standardized educational course or financial advisory service.

The Participant’s acceptance of this Agreement is deemed to occur upon the completion of the requisite payment for participation in the Mentorship Program, at which point a legally binding contractual relationship is established between the Participant and the Company.

1. SUBJECT OF THE AGREEMENT

1.1. This Agreement sets forth the terms and conditions under which TRADING EDUCATION OÜ provides access to a premium individualized mentorship product titled “Personal work with Thomas” (the “Mentorship Program”). The Mentorship Program is a personalized mentorship format focused on strategic guidance, decision-making frameworks, and individual support and does not constitute a standardized educational course or mass-market training program.

1.2. The Mentorship Program is an educational and mentorship initiative aimed at enhancing strategic thinking, financial literacy, and general understanding of wealth-building methodologies through individualized mentorship interactions and practical educational frameworks.
The Mentorship Program may include, inter alia, personal mentorship sessions, strategic discussions, access to selected educational materials, analytical tools, and mentorship-based guidance.

The Participant acknowledges and agrees that the Mentorship Program is provided strictly for educational and informational purposes only and does not constitute financial, investment, legal, tax, or brokerage advice. The Company does not guarantee any specific financial, investment, or commercial results, as outcomes depend on the Participant’s individual effort, decision-making, engagement, and external market conditions beyond the Company’s control.

The scope, structure, duration, format, and specific content of the Mentorship Program are determined solely by the Organizer and may be described in this Agreement and/or on the applicable sales, checkout, or informational pages at the time of purchase. The Organizer reserves the right to update, modify, or enhance the scope, content, format, or delivery of the Mentorship Program at its sole discretion, with or without prior notice, provided that such changes are intended to improve the mentorship or educational value of the product. Such modifications shall not constitute grounds for refund, reimbursement, or claims of non-performance.

For clarity, any market reviews, analytical materials, trading examples, signals, community discussions, platform-based content, or supplementary modules provided within the Mentorship Program are informational in nature and shall not be interpreted as investment recommendations, trading instructions, or financial advisory services.

2. ACCEPTANCE OF OFFER AND PAYMENT TERMS

2.1. This Agreement shall become legally binding upon the Participant’s successful completion of the initial payment for the Mentorship Program “Personal work with Thomas”. By making such payment, the Participant expressly acknowledges that they have read, understood, and agreed to be bound by all terms and conditions stipulated in this Agreement.

2.2. The Mentorship Program “Personal work with Thomas” is offered as a standalone premium product at a fixed, non-negotiable price of USD 25,000 (or the equivalent amount in EUR or cryptocurrency at the applicable exchange rate at the time of payment). Additional processing or conversion fees may apply depending on the selected payment method and payment service provider.

2.3. The Organizer may, at its sole discretion, allow full payment or partial payment for the Mentorship Program. Partial payment constitutes a binding obligation to pay the full price of the Mentorship Program in accordance with the agreed payment schedule. Failure to complete any subsequent payment does not release the Participant from the obligation to pay the remaining balance in full.

2.4. The following payment options may be available for the Mentorship Program, subject to the Organizer’s discretion and availability at the time of purchase: (i) Full one-time payment; (ii) Partial payment (initial deposit followed by scheduled payments); (iii) Installment plans offered through third-party providers, subject to their independent approval, terms, and country availability, including but not limited to:

• Split It — up to 12 months (subject to credit card availability);
• Klarna — up to 12 months (available in selected EU countries, the United States, and Canada);
• Zip Pay — maximum amount USD 1,500, maximum term 2 months (USA only);
• Afterpay — maximum amount USD 4,000, maximum term 12 months (USA only);
• Sezzle — maximum amount USD 2,500, maximum term 2 months (USA and Canada).

2.5. The Participant acknowledges that installment and financing options may be available only during limited sales periods and may be opened for a restricted timeframe, including but not limited to three (3) to four (4) days following live events or broadcasts. The availability of installment plans is not guaranteed and is determined solely by the Organizer and/or the respective payment service provider.

2.6. The Company accepts payments via credit and debit cards (via Stripe), bank transfer, cryptocurrency, and other payment systems supported by the Company from time to time. For cryptocurrency payments, the Participant must provide transaction confirmation (including screenshots or transaction hashes) upon request.
2.7. Access to the Mentorship Program shall be deemed granted once the Participant is provided with access to mentorship communication channels, onboarding materials, or any initial mentorship interaction, including access to any platform, private community, digital materials, supplementary modules, or program-related content, regardless of the Participant’s level of further engagement or completion of the Mentorship Program.

2.8. If the Participant fails to make any scheduled payment by the due date, the Organizer reserves the right to suspend access to the Mentorship Program until payment is received. If payment remains outstanding for more than fourteen (14) calendar days, the Organizer may terminate the Participant’s participation without refund or compensation.

2.9. All payments made under this Agreement are final and non-refundable, except as expressly provided in Section 6 of this Agreement.

3. PROGRAM FORMAT AND DURATION

3.1. The Mentorship Program “Personal work with Thomas” is a premium, individualized mentorship product with a fixed duration of six (6) months, unless expressly stated otherwise in writing by the Organizer. For avoidance of doubt, access periods to specific components of the Mentorship Program, including platforms, materials, communities, or supplementary modules, may differ from the mentorship duration and shall be determined solely by the Organizer.

3.2. The Mentorship Program is not a standardized educational course, online school, or mass training program. It is designed as a high-touch, limited-access mentorship experience focused on strategic guidance, decision-making frameworks, and personalized support tailored to the Participant’s individual goals and circumstances.

3.3. Within the Mentorship Program, the Participant may receive access to, inter alia: (a) direct personal communication with Thomas, including the ability to ask business, investment, and strategic questions; (b) up to six (6) individual mentorship sessions of approximately one (1) hour each, conducted online or offline at the Organizer’s discretion; (c) access to selected educational or methodological materials, tools, or resources referenced during the mentorship process; (d) access to bonus materials or recorded sessions made available exclusively to Mentorship Program participants; (e) participation in limited group or mastermind-style sessions, where applicable; (f) access to a private communication channel or chat designated for mentorship-related interactions; (g) networking opportunities with selected members of the Organizer’s professional ecosystem or team, subject to availability and relevance, (h) access to platform-based content, digital modules, analytical materials, community discussions, or other supplementary components made available as part of the Mentorship Program at the Organizer’s discretion.

3.3.1. As part of the Mentorship Program, the Participant may be granted access to certain supplementary components, tools, sessions, and program-related resources. Unless otherwise determined by the Organizer, indicative access periods may include: (i) access to the course materials titled “AI FOREX TRADER: FROM BASICS TO SMART MONEY” — up to six (6) months; (ii) access to The Kralow System, including modules and bonus materials — up to six (6) months; (iii) access to AI Forex Signals — up to six (6) months; (iv) access to Expert Live Sessions and session recordings — up to six (6) months; (v) access to Market Reviews provided by the Organizer’s team — up to twelve (12) months; (vi) access to a personal performance tracker and related working tools — up to six (6) months; (vii) participation in up to twelve (12) private sessions related to performance tracking during the active mentorship period; (viii) participation in bi-weekly masterminds, mentorship interactions, live sessions, and access to the Organizer’s private professional community during the active mentorship period; (ix) participation in one offline event organized by the Organizer, subject to scheduling, availability, and separate logistical conditions.
All access periods are indicative and may be modified, adjusted, or structured differently by the Organizer at its sole discretion and shall not be interpreted as separate contractual products, guaranteed deliverables, or guaranteed outcomes.

3.4. The exact scope, content, frequency, scheduling, and format of mentorship sessions, communications, and materials are determined solely by the Organizer and may vary depending on the Participant’s objectives, level of engagement, availability, and progress. No minimum number of sessions, interactions, or outcomes is guaranteed unless expressly confirmed in writing at the time of enrollment.

3.5. Access to the Mentorship Program does not include access to any other educational programs, subscription-based products, trading clubs, live courses, or services offered by the Organizer, unless expressly specified at the time of purchase. Each product constitutes a separate contractual offering.

3.6. All mentorship activities are informational and experience-based in nature and are based on experience-driven insights, strategic perspectives, and general educational frameworks. Participation in the Mentorship Program does not constitute financial, investment, legal, tax, or business advisory services. No specific financial, professional, or investment results are promised or guaranteed.

3.7. The Organizer reserves the right to modify, adjust, or refine the internal structure, delivery format, scheduling, or scope of the Mentorship Program at its sole discretion, provided that the overall nature of the Mentorship Program as a premium individualized mentorship product is preserved. Such modifications shall not constitute grounds for refunds, reimbursement, or claims of non-performance.

4. RIGHTS AND OBLIGATIONS OF THE PARTICIPANT

4.1. The Participant acknowledges that active and good-faith participation is essential for meaningful engagement in the Mentorship Program “Personal work with Thomas”. The Participant agrees to engage in mentorship interactions respectfully, attend scheduled mentorship sessions where applicable, and participate in communications in a constructive and professional manner. The Participant understands that the Mentorship Program does not follow a fixed curriculum and that the level, format, and frequency of engagement may vary as determined by the Organizer.

4.2. The Participant is responsible for maintaining timely, accurate, and open communication with the Organizer and/or the mentor, including promptly informing them of any circumstances that may materially affect the Participant’s ability to participate in scheduled mentorship activities. Failure to communicate in a timely manner may result in missed sessions, reduced interaction, or limited access to certain mentorship elements, without any obligation on the Organizer to reschedule or compensate such missed participation.

4.3. The Participant acknowledges that all materials, communications, insights, strategies, methodologies, resources, platform-based content, digital modules, analytical materials, community discussions, signals, recordings, and any other content shared or made available within the Mentorship Program constitute proprietary and confidential information of the Organizer and/or the mentor. The Participant agrees: (a) not to disclose, distribute, reproduce, record, or otherwise make available any mentorship-related content or communications to third parties without the Organizer’s prior written consent; (b) to use all mentorship materials and communications strictly for personal, non-commercial purposes; (c) that confidentiality obligations under this Agreement shall survive the termination or completion of the Mentorship Program without limitation in time.

4.4. The Organizer reserves the right to suspend or terminate the Participant’s access to the Mentorship Program, without refund or compensation, in the event of: (a) repeated failure to engage in good faith or systematic disregard of mentorship guidance, communication rules, or agreed interaction standards; (b) any breach of confidentiality or unauthorized use, sharing, or publication of mentorship content; (c) misconduct, including but not limited to disruptive behavior, harassment, abuse of communication channels, platforms, communities, or digital environments, unauthorized solicitation, or the dissemination of false, misleading, or defamatory statements concerning the Organizer, the mentor, or the Mentorship Program.
The Organizer shall have full discretion in determining whether a violation has occurred and in selecting appropriate enforcement measures, including legal action where applicable.

4.5. The Participant expressly acknowledges that the Mentorship Program is provided solely for informational purposes and does not constitute financial, investment, legal, tax, or business advisory services. All decisions made by the Participant based on mentorship discussions, guidance, or materials are made at the Participant’s own discretion and risk. The Organizer and the mentor shall not be liable for any direct or indirect losses, damages, or consequences arising from the Participant’s actions, decisions, or implementation of any ideas discussed during the Mentorship Program. No specific financial, professional, or investment outcomes are promised or guaranteed.

5. INTELLECTUAL PROPERTY RIGHTS

5.1. The Participant acknowledges and agrees that all materials, content, communications, insights, methodologies, strategies, frameworks, templates, recordings, written materials, audio or video materials, platform-based content, digital modules, analytical materials, signals, community discussions, databases, structures, and any other resources provided or shared within the Mentorship Program “Personal work with Thomas” constitute the exclusive intellectual property of the Organizer, unless expressly stated otherwise.

5.2. The Participant is granted a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the mentorship materials solely for the Participant’s personal, non-commercial purposes within the scope of the Mentorship Program. No ownership rights or intellectual property rights are transferred to the Participant under this Agreement.

5.3. The Participant is strictly prohibited from copying, recording, reproducing, distributing, publishing, modifying, translating, sublicensing, selling, sharing, screen-recording, screenshotting, extracting data or otherwise making available any mentorship-related materials or communications, in whole or in part, to any third party without the prior written consent of the Organizer.

5.4. The Participant further agrees not to create derivative works based on the mentorship materials or to use the Organizer’s intellectual property in any manner that competes with, imitates, or undermines the commercial, professional, or reputational interests of the Organizer.

5.5. Any unauthorized use, disclosure, reproduction, or dissemination of intellectual property provided within the Mentorship Program shall constitute a material breach of this Agreement and may result in immediate termination of the Participant’s access to the Mentorship Program without refund, as well as legal action, including claims for damages, injunctive relief, and recovery of legal costs.

5.6. The intellectual property and confidentiality obligations set forth in this Section shall survive the termination, expiration, or completion of the Mentorship Program without limitation in time.

6. REFUND POLICY

6.1. The Organizer operates a limited refund policy applicable solely to the Mentorship Program “Personal work with Thomas”. Due to the individualized nature of the Mentorship Program, which includes early access to mentorship communications, onboarding interactions, strategic discussions, and proprietary materials, as well as access to platforms, digital content, communities, analytical materials, and supplementary components refunds are not unconditional and are available only as expressly provided in this Section.

6.2. The Participant may submit a written refund request within seven (7) calendar days from the date of payment for the Mentorship Program (“7-day review period”), provided that all of the following conditions are met: (a) the Participant has not completed or substantially consumed the Mentorship Program; (b) the Participant has not participated in more than one (1) mentorship session or equivalent live interaction; (c) the Participant has not made extensive use of mentorship communications, strategic feedback, or individualized guidance; (d) the Participant has not accessed or made use of platform-based content, private communities, digital materials, analytical content, signals, or supplementary modules made available as part of the Mentorship Program; (e) the refund request is submitted in good faith and includes a brief written explanation.

6.3. The 7-day review period does not constitute an unconditional or automatic money-back guarantee. Each refund request is reviewed individually by the Organizer, and approval is granted at the Organizer’s sole discretion, taking into account the extent of access, participation, and use of the Mentorship Program.

6.4. No refunds shall be granted in the following circumstances: (a) the Participant has actively engaged in mentorship communications, strategic discussions, or individualized guidance beyond the limits set forth in Section 6.2; (b) the Participant has accessed any platform, materials, community, signals, analytical content, or other Program components; (c) the Participant’s access to the Mentorship Program is suspended or terminated due to a breach of this Agreement; (d) the refund request is submitted after the expiration of the seven (7) calendar day period.

6.5. Refund requests must be submitted in writing to the Organizer using the contact details provided in this Agreement. The Organizer may request additional information reasonably necessary to assess eligibility for a refund. The Organizer’s decision regarding any refund request shall be final and not subject to appeal.

6.6. The Organizer reserves the right to refuse refunds in cases of misuse, bad faith, or attempts to exploit this refund policy, including patterns of repeated refund requests or chargeback behavior.

6.7. By enrolling in the Mentorship Program, the Participant acknowledges and agrees that, except as expressly provided in this Section, all payments are final and non-refundable and waives, to the fullest extent permitted by law, any claims for chargebacks, payment disputes, or reversals of payment.

7. DISCLAIMERS AND LIMITATION OF LIABILITY

7.1. The Organizer makes no representations, warranties, or guarantees regarding any financial, investment, or professional results that may arise from participation in the Mentorship Program. The Mentorship Program is informational and experience-based in nature, and any outcomes depend solely on the Participant’s individual efforts, market conditions, and other external factors beyond the Organizer’s control.

7.2. The Organizer shall not be liable for any direct, indirect, incidental, consequential, or special damages, including but not limited to loss of income, lost investment opportunities, business interruption, or reputational harm, arising from the Participant’s participation in the Mentorship Program, reliance on Program materials, signals, analytical content, platform-based materials, community discussions, or implementation of any strategies discussed within the Mentorship Program.

7.3. The Participant assumes full responsibility for any decisions made based on the information, discussions, materials, analytical content, or signals provided. The Organizer does not provide financial, investment, tax, or legal advice, and participation in the Mentorship Program does not establish any fiduciary or advisory relationship between the Organizer and the Participant.

7.4. The Organizer shall not be liable for any delay or failure to perform its obligations under this Agreement due to circumstances beyond its reasonable control, including but not limited to acts of God, war, terrorism, cyber-attacks, economic disruptions, labor strikes, natural disasters, pandemics, or governmental actions, platform outages, third-party service interruptions, or technical failures beyond the Organizer’s control.

7.5. The total aggregate liability of the Organizer under this Agreement, if any, shall in no event exceed the total amount of fees paid by the Participant for participation in the Mentorship Program. This limitation applies to the fullest extent permitted by applicable law.

7.6. The Participant acknowledges and agrees that any statements, communications, or representations regarding long-term support, continued mentorship, or outcome-oriented collaboration are intended solely to reflect the educational philosophy and mentorship approach of the Organizer and do not constitute a promise, guarantee, or obligation to achieve any specific financial, investment, professional, or commercial result. Any continued support beyond the initial term of the Program or the Mentorship Program, if offered, shall be provided at the Organizer’s sole discretion and shall not alter the refund policy, payment obligations, or limitations of liability set forth in this Agreement.

8. TERMINATION OF THE AGREEMENT

8.1. The Organizer reserves the right to suspend or terminate the Participant’s access to the Mentorship Program under the following circumstances: (a) non-payment or failure to comply with the agreed-upon payment schedule; (b) continued failure to demonstrate reasonable engagement with the Mentorship Program, including systematic disregard of mentor guidance or consistent inactivity despite access to support mechanisms; (c) violation of confidentiality provisions or unauthorized use, reproduction, or distribution of the Organizer’s intellectual property; (d) any misconduct, disruptive behavior, or actions that negatively impact other Participants or the integrity of the Mentorship Program, including misconduct within platforms, private communities, communication channels, or digital environments associated with the Program.

8.2. In the event of termination due to the Participant’s breach of this Agreement, no refund shall be issued, and the Participant shall forfeit any remaining access to the Mentorship Program, including access to platforms, communities, digital materials, analytical content, signals, and any supplementary components, subject to the refund provisions set forth in Section 6.

8.3. If the Participant voluntarily withdraws from the Mentorship Program for any reason, they shall not be entitled to a refund of any fees paid, nor shall they have any right to transfer their enrollment to another individual or defer participation to a future cohort, except in cases expressly provided for in Section 6.2 and Section 6.2.3.

8.4. The Organizer reserves the right to take appropriate legal action in cases of material breaches of this Agreement, including but not limited to violations of confidentiality or intellectual property rights.

8.5. Upon completion or termination of participation in the Mentorship Program (regardless of the reason), Participants will no longer have access to any mentorship or program-related materials provided during the participation period. This restriction applies to video lessons, guides, checklists, structured templates, platform-based content, digital modules, analytical materials, signals, community content, and any mentorship-related materials. Any attempt to retain, reproduce, or distribute these materials beyond the applicable participation period will be considered a violation of the intellectual property provisions in Section 5.

9. GOVERNING LAW AND DISPUTE RESOLUTION

This Agreement shall be governed by and construed in accordance with the laws of the Republic of Estonia, without regard to its conflict of law rules. Any dispute, controversy, or claim arising out of or in connection with this Agreement, including its existence, validity, interpretation, performance, or termination, shall first be attempted to be resolved amicably through good-faith negotiations between the parties.

If the parties are unable to reach a resolution within thirty (30) days of the initiation of negotiations, such dispute shall be finally settled by binding arbitration administered by the Arbitration Court of the Estonian Chamber of Commerce and Industry (ECCI) in accordance with its Arbitration Rules, which are deemed to be incorporated by reference into this clause. The seat of arbitration shall be Tallinn, Republic of Estonia. The arbitration shall be conducted in English by a sole arbitrator appointed in accordance with the applicable arbitration rules. The arbitral award shall be final and binding upon the parties and may be enforced in any court of competent jurisdiction. Nothing in this clause shall be construed to exclude or restrict any rights or remedies that may be mandatorily available to a party under the laws of their habitual residence or other applicable mandatory law.

10. FINAL PROVISIONS

10.1. This Agreement constitutes the entire agreement between the parties and supersedes all prior and contemporaneous agreements, negotiations, representations, or understandings, whether written or oral, relating to the subject matter herein with respect to the Mentorship Program. For clarity, descriptions of the Mentorship Program presented on sales pages, checkout pages, onboarding materials, or official program platforms shall be deemed supplementary informational descriptions and shall not modify or override the terms of this Agreement unless expressly stated in writing by the Organizer. No modification, amendment, or waiver of any provision of this Agreement shall be binding unless made in writing and duly executed by both parties, except as otherwise provided herein.

10.2. The Organizer reserves the right to amend, update, or modify the terms of this Agreement at its sole discretion. Any such modifications shall become effective upon their publication on the Organizer’s official website or notification to the Participant via email. Continued participation in the Mentorship Program following such modifications shall constitute the Participant’s acceptance of the revised terms.

10.3. If any provision of this Agreement is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect to the maximum extent permitted by law.

10.4. The Participant may not assign or transfer any rights or obligations under this Agreement without the prior written consent of the Organizer. The Organizer may assign its rights and obligations under this Agreement without restriction.

Contact information:

TRADING EDUCATION OÜ
Harju maakond, Tallinn, Lasnamäe linnaosa, Tähesaju tee 21-114, 13917

e-mail: support@thomaskralow.com