1. Who the contract is with
The provider is Trading Academy s.r.o., company ID 05049130, registered office at Na Strži 1702/65, 140 00 Prague 4-Nusle, entered in the commercial register kept by the Municipal Court in Prague under file number C 257411. Trade Academy is the name of that company's education project; the contracting party is always the company named here.
The participant is the natural or legal person who enrols on a course. Where the participant is a consumer, the provisions marked as consumer provisions apply in addition.
2. What is provided and what is not
What is provided is teaching in financial literacy: explanation of concepts, work with documents, calculations, and a method for checking information. Teaching is delivered online, in person in Prague, one to one or as corporate training.
What is not provided, and never will be:
- investment advice, investment recommendations or analysis of any particular product,
- management of anyone else's assets, portfolio management or custody of funds,
- intermediation of any financial product or transaction,
- trading signals, instructions or model portfolios,
- any activity requiring authorisation or registration from the Czech National Bank.
The provider holds no licence or registration from the Czech National Bank and seeks none. Nothing said during teaching or stated on this website is an offer, an inducement, or an assessment of whether a particular product is suitable for a particular person.
3. Enquiry and formation of the contract
Sending the form on the website is a non-binding enquiry. The contract does not come into being when the form is sent, but when the provider confirms the date and terms in writing and the participant agrees to them.
Price, scope and dates are agreed individually according to the chosen format and are given to the participant in writing before the contract is concluded. No payment is taken on this website and the site processes no payment details.
4. Withdrawal from the contract (consumers)
Where the contract is concluded at a distance or away from business premises and the participant is a consumer, the consumer has the right to withdraw within fourteen days of its conclusion, without giving a reason and without penalty. It is enough to send the withdrawal to the contact email within that period.
If the consumer expressly asks for teaching to begin before that period expires and the service is partly delivered before withdrawal, the consumer pays the proportionate part of the price corresponding to what has been delivered. If the service is fully performed with the consumer's express consent before the period expires, the right of withdrawal lapses; the consumer is told this in advance.
The provider returns any payments received within fourteen days of withdrawal, by the same means by which they were received unless the parties agree otherwise.
5. Changes and cancellation of dates
A group course opens once a minimum number of participants is reached. If it is not reached, the provider offers an alternative date or refunds the amount paid in full.
Cancellation by the participant and any cancellation terms are always set out in the written confirmation and can never be less favourable to a consumer than the Civil Code provides.
6. Materials and copyright
Teaching materials, the guide on this website and other content are the provider's copyright work. A participant may use them for their own purposes. Distribution, sale or making them available to third parties without written consent is not permitted.
Audio or video recording of live teaching requires prior consent, among other reasons to protect the privacy of the other participants.
7. Certificate of completion
On completing a course the provider issues a certificate of completion. It is a record of attendance on an educational course. It is not a professional qualification, an accredited certificate or an authorisation to carry on any regulated activity, and it creates no rights against third parties.
8. Liability
The provider is responsible for the professional standard and the agreed scope of the teaching. It is not responsible for decisions the participant makes on the basis of what they have learned, nor for the financial consequences of those decisions; such decisions are made by the participant independently and at their own risk.
Nothing in this article limits a consumer's rights arising from defective performance, or liability for harm caused intentionally or by gross negligence.
9. Complaints and out-of-court dispute resolution
A complaint may be made to the contact email. The provider deals with it without undue delay, and for a consumer within thirty days at the latest.
If a dispute cannot be settled by agreement, a consumer has the right to out-of-court resolution. The competent body is the Czech Trade Inspection Authority, Štěpánská 796/44, 110 00 Prague 1, at adr.coi.cz. A consumer may also use the online dispute resolution platform.
10. Governing law and effect
The relationship is governed by the law of the Czech Republic, in particular Act No. 89/2012 Coll., the Civil Code. This does not affect a consumer's rights under the mandatory provisions of the law of their country of habitual residence.
The provider may amend these terms; contracts already concluded are governed by the version in force on the day they were concluded.