Terms and Conditions of Using the Elegant Investors Platform
§1. General provisions
1.1. These Terms set out the rules for using the Elegant Investors online platform available at www.elegantinvestors.com and the rules for concluding contracts for the supply of educational products through it.
1.2. The Platform is operated by Kinga Stigter, conducting unregistered business activity, correspondence address Ujejskiego 9, 30-102 Krakow, Poland, email address kinga.elegant.investors@gmail.com. The same email address serves as the contact point for Users and for public authorities in matters concerning content published on the Platform.
1.3. The brand serves the English speaking market at www.elegantinvestors.com. The Polish speaking market is served by a separate site, Eleganckie Inwestorki, at www.eleganckieinwestorki.com, which has its own terms.
1.4. The Platform is open to Users regardless of their country of residence. The Service Provider applies one standard to every User, based on European Union consumer protection law. Where the mandatory law of the country in which the User has her habitual residence gives her rights broader than these Terms, that law applies to the extent of the difference.
1.5. These Terms are made available free of charge before the contract is concluded, in a form allowing them to be downloaded, reproduced and stored.
1.6. Individual products have their own terms, which describe their scope, access period and conditions of participation. The terms of a product prevail to the extent that they regulate a matter differently. In all other respects these Terms apply.
1.7. The processing of personal data is described in the Privacy Policy. The use of cookies is described in the Cookie Policy. Payment rules are supplemented by the Payment Terms.
§2. Definitions
2.1. Service Provider. Kinga Stigter, operating the Elegant Investors Platform.
2.2. Platform. The website available at www.elegantinvestors.com together with all its features.
2.3. User. A natural person using the Platform. These Terms use the feminine form because of the character of the brand, and the rules apply equally to everyone using the Platform regardless of gender.
2.4. Consumer. A User concluding a contract for a purpose not directly related to her business or professional activity, and also a natural person concluding a contract directly related to her business activity where the contract is not of a professional character for her.
2.5. Account. An individual User profile on the Platform, allowing the use of materials and the purchase of Products.
2.6. Product. A course, service or educational material offered on the Platform, and also an Elegant Learning Path.
2.7. Digital content. Data produced and supplied in digital form, in particular presentations, articles, sheets and downloadable files.
2.8. Digital service. A service allowing the User to access data in digital form or to process it, in particular access to materials in the educational module of the Platform and to the Elegant Investor Tool.
2.9. Online meeting. A session, consultation or event held live with the host.
2.10. Elegant Learning Paths. Four forms of access to Products in a subscription model, that is Elegant Start, Elegant Growth, Elegant Alumni and Elegant Circle. Elegant Start is free of charge, and the other three are paid and billed monthly or annually. The rules are described in paragraph 13.
2.11. Payment operator. An external entity handling electronic payments on the Platform.
2.12. Terms. This document.
§3. Types and scope of services supplied electronically
3.1. The Service Provider supplies the following services free of charge.
3.1.1. Making the content of the Platform available for browsing, including information pages and the free articles of the Elegant Investor Library.
3.1.2. Maintaining an Account.
3.1.3. Access to Elegant Start together with the Products covered by this learning path, described in paragraph 6.
3.1.4. The contact form and the booking of the free Elegant Investors Coffee Time meeting.
3.1.5. The newsletter.
3.1.6. Participation in the Elegant Karma programme together with Elegant Ranks and Elegant Badges.
3.2. The Service Provider supplies the following services for payment.
3.2.1. Elegant Growth, Elegant Alumni and Elegant Circle together with the Products covered by these learning paths.
3.2.2. Access to the Elegant Investors Talks forum, which is included in the three paid Elegant Learning Paths.
3.2.3. Courses from the Women as Elegant Investors series, including courses for beginners and courses from the Elegant Investor Premium line.
3.2.4. The Elegant Investor Tool.
3.2.5. One off services, in particular the Elegant Analysis Review and Elegant Investors Consultations beyond the first free meeting.
§4. Products available on the Platform
4.1. Academies. Sets of lessons in the educational module, run as courses with no end date. Lessons are self contained, so understanding one does not require completing the previous one. Elegant Investors Academy is free of charge, and Elegant Growth Academy, Elegant Alumni Academy and Elegant Circle Academy are included in the corresponding Elegant Learning Paths.
4.2. Elegant Investor Library. Articles divided into four groups. Free articles are available to every User, and the other three groups are included respectively in Elegant Growth, Elegant Alumni and Elegant Circle.
4.3. Elegant Investors Talks. A forum for exchanging experience and asking questions, available within the three paid Elegant Learning Paths. The rules for publishing are described in paragraph 9.
4.4. Elegant Fundamental Analysis and Elegant Investors Glossary. Materials explaining financial indicators, financial statements and stock market terms, available within the three paid Elegant Learning Paths.
4.5. Elegant Investor Notebook and Elegant Investor Decision Traps. Interactive lists and materials on the interpretation of data, available within Elegant Alumni and Elegant Circle.
4.6. Elegant Investor Salon. Quarterly online meetings for Elegant Alumni and Elegant Circle.
4.7. Elegant Investor Networking, Elegant Investor Watchlist and Elegant Investor Perspective. Meetings and advanced materials available within Elegant Circle.
4.8. Courses from the Women as Elegant Investors series. The series covers the Elegant Investor Start course together with a panel to choose from, and courses from the Elegant Investor Premium line. The courses differ in scope. Some of them include Online meetings, and some are intended for independent study. The scope of each course, the number of meetings and the access period are given on the course page together with its terms. Courses are purchased separately, independently of the Elegant Learning Paths.
4.9. Elegant Investor Tool. A tool for running your own investment process in one place, made up of five parts. Elegant Investment Plan is used to prepare an investment plan that can be returned to and revised. Elegant Stock Database is used to build a set of listed companies according to your own criteria. Elegant Fundamental Check is used to carry out a fundamental and qualitative analysis of a company. Elegant Investor Portfolio is used to keep the structure of a portfolio and to observe its diversification. Elegant Investors Talks gives a place for questions and the exchange of experience. The rules and the access period for the Tool are given on its page together with the terms of that Product.
4.10. Elegant Analysis Review. A service consisting of checking the way in which the User carried out the analysis of a chosen company. The subject of the service is the way the analysis was carried out, not an assessment of whether a given company is worth acquiring.
4.11. Elegant Investors Consultations. Online meetings devoted to the User's questions. The first meeting, Elegant Investors Coffee Time, is free of charge. Further meetings are paid according to the price list.
4.12. The scope of each Product, the access period and the price are given on its page and in the terms of that Product.
§5. Technical requirements and the prohibition on supplying unlawful content
5.1. Using the Platform requires a device with internet access, a current web browser with JavaScript and cookies enabled, and an active email address.
5.2. Taking part in an Online meeting additionally requires a microphone and a connection allowing image and sound to be transmitted.
5.3. The Service Provider does not bear the cost of the User's internet connection or the cost of her equipment.
5.4. The User is prohibited from supplying content of an unlawful character, in particular content infringing the rights of third parties, personal rights, copyright and the law.
5.5. It is prohibited to use the Platform in a way that disrupts its operation, including attempting unauthorised access, automated downloading of content and circumventing access controls.
§6. Account and Elegant Start
6.1. Opening an Account is free of charge and voluntary. An Account is required to purchase Products and to use materials covered by access control.
6.2. An Account is opened by completing the registration form and accepting these Terms and the Privacy Policy. The contract for maintaining the Account is concluded when the Account is created and is concluded for an indefinite period.
6.3. An Account may be opened by an adult with full legal capacity.
6.4. Opening an Account assigns the User to the free learning path Elegant Start. With it the User receives the following access.
6.4.1. Elegant Investors Academy, the free course in the educational module.
6.4.2. The free articles of the Elegant Investor Library.
6.4.3. The possibility of booking the free Elegant Investors Coffee Time meeting.
6.5. After opening an Account the User receives the welcome badge Elegant Investor, and information about it is sent to the email address provided. The badge is a symbolic distinction and does not involve any monetary benefit.
6.6. For activity on the Platform the User collects Elegant Karma points. The first correctly completed Elegant Quiz opens the first Elegant Rank. The rules of the programme are described in paragraph 10.
6.7. The User provides true data and updates it when it changes. Login details are confidential and may not be shared with third parties.
6.8. One person keeps one Account. Access to Products is personal and may not be transferred.
6.9. The User may delete her Account at any time by contacting the Service Provider or by using the function available in the panel. Deleting the Account ends access to the Products assigned to that Account, including paid ones, and does not give the right to a refund for an unused period, unless the User is entitled to withdraw from the contract or has a claim arising from the Product not conforming with the contract.
6.10. The Service Provider may block an Account in the event of a justified suspicion of unauthorised access or a breach of these Terms. The block lasts until the matter is clarified. The Service Provider informs the User of the block and its reason by email, and the User may respond to the matter.
6.11. In the event of a gross or repeated breach of these Terms the Service Provider may terminate the contract for maintaining the Account with fourteen days notice. Paid Products remain available until the end of the period for which payment was made, unless the breach consisted of sharing materials with third parties.
§7. Newsletter
7.1. The newsletter is sent on the basis of separate consent and does not require an Account.
7.2. Consent may be withdrawn at any time, using the link in the message or by writing to the Service Provider. Withdrawing consent ends this service.
§8. The free Elegant Investors Coffee Time meeting
8.1. Elegant Investors Coffee Time is a free online meeting during which the User's questions, her experience and the possibilities for further learning are discussed.
8.2. The meeting is booked by the User from the calendar available on the Platform, within the host's availability.
8.3. The free meeting is available once. Further meetings are paid according to the price list.
§9. Elegant Investors Talks and content published by Users
9.1. The Elegant Investors Talks forum serves the exchange of experience and the asking of questions about investing. Access is available to Users using Elegant Growth, Elegant Alumni or Elegant Circle and expires together with the end of that learning path.
9.2. The User is responsible for the content she publishes.
9.3. The following content is not allowed on the forum and in comments.
9.3.1. Content infringing the law, including content inciting violence and discrimination.
9.3.2. Content infringing the personal rights or copyright of third parties.
9.3.3. Vulgar language and statements offensive to other Users.
9.3.4. Advertising, commercial material and messages sent in bulk.
9.3.5. Investment recommendations addressed to other Users, in particular pointing to specific financial instruments to be acquired or disposed of.
9.3.6. Personal data of third parties shared without a legal basis.
9.4. Anyone may report content they consider unlawful or contrary to these Terms by writing to the address given in point 1.2. The report should contain a link to the content, an explanation of the reason for the report and the contact details of the person reporting.
9.5. The Service Provider confirms receipt of the report and considers it without undue delay, no later than within fourteen days. The Service Provider informs the person reporting of the decision and its reasons, and where the decision concerns the content of a particular User, also that User.
9.6. The Service Provider may remove content, restrict its visibility or suspend the User's ability to publish. Each of these decisions is subject to appeal, which is submitted to the address given in point 1.2 within fourteen days of receiving information about the decision. The appeal is considered within fourteen days.
§10. Elegant Karma, Elegant Ranks, Elegant Badges and Elegant Certificates
10.1. For activity on the Platform, in particular for correctly completed Elegant Quizzes, completing a course and taking part in the forum, the User receives Elegant Karma points. The number of points assigned to a given activity is shown next to that activity.
10.2. Elegant Karma points open successive Elegant Ranks and rights on the forum.
10.3. Elegant Badges are awarded for opening an Account and for completing a course, in accordance with the conditions of the given Product.
10.4. Elegant Certificates are issued after passing the certification exam, on the conditions described in the terms of the given course.
10.5. Points, ranks, badges and certificates have no monetary value, cannot be exchanged for money and cannot be transferred to another person.
10.6. If abuse is established, in particular one person opening several Accounts, the Service Provider may correct the number of points and withdraw the rights granted. The User is informed of this and may respond to the matter.
§11. Orders and conclusion of the contract
11.1. An order is placed by selecting a Product, adding it to the basket, logging in to the Account and confirming the order with a button marked with words indicating an obligation to pay.
11.2. Before confirming the order the User sees the name of the Product, its price together with all costs, the method and date of payment, and information about the right to withdraw from the contract.
11.3. The contract is concluded when the payment is credited to the account of the Payment operator.
11.4. After the contract is concluded the Service Provider sends to the User's email address a confirmation of the contract together with its conditions, including information about the consents given and about the right of withdrawal.
11.5. Purchasing a Product requires an Account, because access to materials is assigned to the Account.
§12. Prices and payments
12.1. Prices on the Platform are given in euro as gross amounts and include all components. The price visible at the moment the order is placed is binding.
12.2. Every User is charged in euro, whatever the currency of her account. Any conversion into another currency and any charge related to that conversion is made by the User's bank or card issuer, and the Service Provider has no influence on the rate applied.
12.3. Payments are handled by the Payment operator Stripe. The available methods include payment card and Google Pay.
12.4. Discounts arising from the Elegant Learning Paths are applied automatically for a logged in User at the moment the order is placed. Discounts do not combine, and where several apply the higher one applies.
12.5. A document confirming the purchase is issued at the User's request after the details for the document are provided.
12.6. A change in the price of a Product does not affect contracts concluded before that change. The rules for changing the price of the paid Elegant Learning Paths are described in paragraph 13.
§13. Elegant Learning Paths
13.1. Elegant Start is free of charge and is available to every User with an Account.
13.2. Elegant Growth, Elegant Alumni and Elegant Circle are paid and billed monthly or annually, according to the User's choice.
13.3. Access to Elegant Alumni requires Elegant Alumni status. The status is granted after completing at least one course from the Women as Elegant Investors series or after confirming basic knowledge of investing or finance in a manner agreed with the Service Provider. Access to Elegant Circle requires an invitation following a conversation with the Service Provider.
13.4. A paid learning path renews automatically for a further period, and the payment is collected on the renewal date from the saved payment method.
13.5. The User may cancel at any time, from the Account panel or by writing to the Service Provider. Cancellation stops the next renewal, and access lasts until the end of the period paid for.
13.6. Failure to pay for the next period results in reminders sent by email. Fifteen days after the due date, access to the Products covered by that learning path expires. The Service Provider informs the User of the closure by email.
13.7. The Service Provider informs the User of a change in price by email at least thirty days before the date it takes effect. The new price applies from the next billing period. A User who does not accept the new price may cancel before that date.
§14. Access to the product
14.1. Access to a Product supplied digitally is opened immediately after the payment is credited, unless the information next to the Product indicates a different date.
14.2. The access period for each Product is given on its page and in the terms of that Product. After that period access expires, and the materials remain on the Platform and may be opened again after acquiring the Product in which they are contained.
14.3. The User books the dates of Online meetings herself from the calendar available on the page of the given Product, within the host's availability. The rules for cancelling and moving a date are described in the terms of the given Product.
14.4. Technical breaks are planned, as far as possible, outside the hours of heaviest traffic. The Service Provider gives notice of a longer break on the Platform.
§15. Withdrawal from the contract
15.1. A Consumer may withdraw from a contract concluded at a distance within fourteen days without giving a reason. The period runs from the day the contract is concluded. This right is granted to every Consumer regardless of her country of residence.
15.2. A statement of withdrawal may be made in any form, in particular by email to the address given in point 1.2. It is enough to state the name of the Product, the date the contract was concluded and details allowing the order to be identified. Sending the statement before the period expires is enough to meet the deadline.
15.3. The payment is refunded within fourteen days of receiving the statement of withdrawal, using the same method that was used for payment, unless the User agrees to another method that does not involve any cost to her.
15.4. By placing an order and accepting these Terms, the User requests that performance begin and that the digital materials be supplied before the period referred to in point 15.1 expires. Access to the Product is opened after the payment is credited, with no waiting period.
15.5. Opening a material by the User is treated as that material having been supplied. The Platform records which materials have been opened and which have been marked as completed. In the event of withdrawal from the contract the Service Provider deducts from the price the value of the materials supplied up to the moment of withdrawal, in proportion to their number, and refunds the remaining part of the price within the period referred to in point 15.3. The detailed rules of settlement are set out in the terms of the given Product.
15.6. Online meetings are a service. The User may request that performance begin before the withdrawal period expires. If she then withdraws from the contract, she pays for the meetings that took place up to the moment of withdrawal, in an amount proportionate to the scope of those services. The right of withdrawal expires once the service has been performed in full with the express consent of the User, who was informed before performance began that she would lose that right.
15.7. For a Product covering both materials and Online meetings, the settlement of withdrawal covers the materials separately under points 15.4 and 15.5 and the meetings separately under point 15.6.
15.8. Where the mandatory law of the country in which the Consumer has her habitual residence gives her a longer period or a more favourable settlement, that law applies.
§16. Conformity of the product with the contract and complaints
16.1. The Service Provider supplies a Product that conforms with the contract, in particular one that matches the description, is complete and works in the way typical for a Product of that kind.
16.2. For a Product supplied once, the Service Provider is liable for a lack of conformity with the contract that becomes apparent within two years of supply. For a Product supplied continuously, the Service Provider is liable for the whole period of supply.
16.3. Where there is a lack of conformity with the contract, the User may require the Product to be brought into conformity. If bringing it into conformity is impossible or would require excessive cost, and also where the Service Provider does not bring the Product into conformity within a reasonable time, the User may make a statement reducing the price or withdrawing from the contract.
16.4. A complaint may be made in any form, in particular by email to the address given in point 1.2. A complaint does not require any form to be filled in. It is helpful to give a description of the matter and the expected way of resolving it.
16.5. The Service Provider responds to a complaint within fourteen days of receiving it.
§17. Change of digital content and digital service
17.1. The Service Provider may change a Product supplied continuously only for justified reasons, in particular a change in the law, a change in technical requirements or the development of the scope of the materials.
17.2. The change does not involve any cost for the User. The Service Provider gives information about the change in a clear and understandable way.
17.3. If the change materially and negatively affects access to the Product or the use of it, the Service Provider gives advance notice on a durable medium, and the User may terminate the contract within thirty days of being informed.
§18. Complaints and dispute resolution
18.1. The Service Provider handles complaints directly, at the address given in point 1.2, on the terms described in paragraph 16. This is the fastest route and the Service Provider asks that it be used first.
18.2. A Consumer may also use the help of the consumer protection bodies operating in the country in which she has her habitual residence.
18.3. Taking part in any out of court dispute resolution scheme is voluntary and requires the agreement of both parties.
§19. Copyright and rules for using materials
19.1. The materials made available on the Platform, including texts, presentations, sheets, recordings, graphics and the layout of the Platform, are protected by copyright and belong to the Service Provider or to third parties from whom the Service Provider obtained the relevant rights.
19.2. The User receives a non exclusive licence to use the materials for her own educational purposes, for the period of access to the given Product.
19.3. Without the consent of the Service Provider it is prohibited to reproduce the materials, distribute them, publish them, resell them or make them available to third parties, and also to use them for training artificial intelligence systems.
19.4. Recording Online meetings by the User requires the prior consent of the Service Provider and of the other participants.
19.5. Content published by the User on the forum remains her property. By publishing it, the User grants the Service Provider a free licence to display it on the Platform to the extent needed for the forum to work.
§20. The educational character of the content and liability
20.1. All materials on the Platform are of an educational and informational character.
20.2. The materials do not constitute an investment recommendation, and they are not investment, legal or tax advice. The Service Provider does not carry out brokerage activity.
20.3. The names of companies and institutions appear solely as examples illustrating the matter being discussed.
20.4. Investing carries the risk of losing part or all of the capital invested. Past results are not a guarantee of future results.
20.5. The User makes investment decisions herself, on the basis of her own analysis and her own financial situation, and bears responsibility for them.
20.6. The Service Provider is liable for the proper performance of the contract on the terms set out in the law. Nothing in these Terms limits the rights of a Consumer under mandatory law.
§21. Personal data
21.1. The controller of Users' personal data is the Service Provider.
21.2. Data is processed in order to maintain the Account, fulfil orders, handle payments, supply Products, handle complaints, conduct correspondence and send the newsletter on the basis of separate consent.
21.3. The scope of the data, the legal bases, the retention periods and the User's rights are described in the Privacy Policy.
§22. Changes to the Terms
22.1. The Service Provider may change these Terms for important reasons, in particular a change in the law, a change in the scope of the services supplied, a change in payment methods or technical changes on the Platform.
22.2. The Service Provider gives information about the change through a notice on the Platform and a message sent to the email address assigned to the Account, at least fourteen days before the day the change takes effect.
22.3. A User who does not accept the change may, before the day it takes effect, terminate the contract for maintaining the Account and cancel a paid Elegant Learning Path.
22.4. A change to these Terms does not affect contracts for the supply of a Product concluded before the day it takes effect. Those contracts are governed by the Terms in the wording in force on the day the contract was concluded.
§23. Final provisions
23.1. The law applicable to contracts concluded through the Platform is Polish law, as the law of the country in which the Service Provider is established. The choice of law does not deprive a Consumer of the protection resulting from the mandatory provisions of the law of the country in which she has her habitual residence.
23.2. Disputes are settled by the court having jurisdiction under the law. A Consumer may also bring an action before the court of the country in which she has her habitual residence.
23.3. If any provision of these Terms proves invalid, the remaining provisions stay in force.
23.4. These Terms apply from the day indicated in the header.