Terms of the Elegant Analysis Review

§1. General provisions

1.1. The Service Provider supplies on the Platform a service under the name Elegant Analysis Review, consisting of checking an analysis of a listed company prepared by the User herself and giving her feedback on it.

1.2. These Terms set out the rules for ordering and performing that service.

1.3. Terms written with a capital letter in these Terms have the meaning given to them in paragraph 2. Terms not defined in paragraph 2 have the meaning given to them in paragraph 2 of the Terms and Conditions of Using the Platform.

1.4. In matters not covered by these Terms, the Terms and Conditions of Using the Platform and the Payment Terms apply.

§2. Definitions

2.1. Analysis. A study of one listed company, prepared by the User herself and submitted by her for checking.

2.2. Review. The service offered under the name Elegant Analysis Review, covering the checking of an Analysis and the preparation of a Report.

2.3. Report. A document in a PDF file in which the Service Provider presents the outcome of a Review.

2.4. Form. The submission form available on the service page on the Platform, through which the User sends her Analysis.

2.5. Meeting. A paid online meeting devoted to the Analysis submitted, lasting 1 hour, ordered separately.

2.6. Service Provider. Kinga Stigter, operating the Platform, email address kinga.elegant.investors@gmail.com.

2.7. Platform. The website available at www.elegantinvestors.com together with all its features.

2.8. 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.

2.9. Account. An individual User profile on the Platform, opened free of charge, allowing the use of materials and the purchase of the Service Provider's products.

2.10. Subscription. Paid access to the Service Provider's products in a subscription model, offered under the name Elegant Learning Paths in three paid variants differing in scope, that is Elegant Growth, Elegant Alumni and Elegant Circle. The scope of each variant, the way it is acquired and its duration are set out in the Terms of the Elegant Learning Paths.

§3. The scope of a Review

3.1. A Review covers the checking of the financial data used in the Analysis, the way the indicators chosen were interpreted, the arguments presented and the risks and doubts indicated.

3.2. In the Report the Service Provider indicates the areas that need completing, the relationships worth following more closely and the places where the data was read differently from what the financial statement shows.

3.3. The Service Provider also indicates the conclusions that are not supported by the figures quoted.

3.4. A Review concerns the way of working with financial data.

3.5. One order covers the Analysis of one company. The Review of the Analysis of a further company requires a separate order.

§4. What a Review does not cover

4.1. A Review is not a confirmation that the Analysis is correct and is not an assessment of it.

4.2. The Report is not a certificate and not a statement about the quality of the Analysis.

4.3. A Review does not cover the valuation of a company or the preparation of the Analysis for the User.

4.4. A Review does not cover an answer to the question whether it is worth investing in a given company.

4.5. The level of the User's experience does not matter for the possibility of using a Review, because the Report relates to the Analysis submitted.

§5. Price and discounts

5.1. The price of a Review is given on the service page on the Platform.

5.2. Users holding a Subscription receive a discount from the price of a Review. In the Elegant Growth variant it is 10%, in the Elegant Alumni variant 20% and in the Elegant Circle variant 30%.

5.3. The discount is applied automatically once the Review is added to the basket. It is applied on condition that the User is logged in to the Account the Subscription is assigned to.

5.4. Using a Review does not require a Subscription. A Subscription affects only the price.

5.5. The price of a Meeting is given separately and is not covered by the discounts given in point 5.2.

5.6. The rules of payment and of issuing settlement documents are set out in the Payment Terms.

§6. The order

6.1. A Review is ordered on the service page on the Platform.

6.2. When placing the order the User may add a Meeting as a separate item.

6.3. The contract is concluded the moment the order is confirmed, once the payment is credited.

§7. Submitting the Analysis

7.1. The Analysis is to be prepared before the order is placed. A Review concerns work already done.

7.2. The User sends the Analysis through the Form.

7.3. Sending the Analysis starts the performance of the service.

7.4. The Service Provider confirms receipt of the Analysis to the email address given in the order.

§8. Requirements for the Analysis

8.1. The Analysis concerns one listed company.

8.2. The Analysis may be prepared in any form, in particular in a spreadsheet or in a text document.

8.3. Using a Review does not require the use of the tools made available by the Service Provider.

8.4. The Analysis is the User's own work.

8.5. The Analysis should give the data and the financial statements it was based on.

8.6. If the Analysis submitted does not allow a Review to be carried out, the Service Provider asks the User once to complete it, indicating what the completion is to cover. The period given in point 9.1 then runs from the day the completed Analysis is sent.

8.7. If the User does not send the completion within 14 days of the request, the Service Provider prepares the Report on the basis of the material it received.

§9. The time for performance

9.1. The Service Provider prepares the Report within 10 working days, counted from the day the Analysis is sent through the Form.

9.2. Working days are the days from Monday to Friday, excluding public holidays in Poland.

9.3. The User is informed about an extension of the period for reasons attributable to the Service Provider at the email address given in the order.

§10. The Report

10.1. The Report is sent in a PDF file to the email address given in the order.

10.2. The Report takes the form of guidance for further work.

10.3. The Report relates to the Analysis in the shape in which it was sent and to the data current on the day it was prepared.

10.4. The Report is intended for the User's own use.

§11. The Meeting discussing a Review

11.1. The Meeting is a separately paid item and is not a condition for a Review to be performed.

11.2. The Meeting lasts 1 hour and is held online.

11.3. The User books the date of the Meeting herself in the calendar available on the Platform, directly after sending the Analysis through the Form.

11.4. Once the booking is made the Service Provider sends to the email address given in the order a confirmation containing the date of the Meeting and the link to it.

11.5. The Meeting may be cancelled no later than 23 hours before it starts. The link placed in the booking confirmation serves this purpose.

11.6. After the Meeting is cancelled within the time given in point 11.5 the User books a new date or requests a refund of the amount paid for the Meeting. The refund is made within 14 days.

11.7. A Meeting not cancelled within the time given in point 11.5 is treated as performed. The amount paid for the Meeting is then not refunded and no replacement date is available.

11.8. Once a Meeting has lapsed in line with point 11.7, the User may book a further Meeting for a charge, at the price in force at the time of booking.

11.9. The Service Provider waits for the User for 15 minutes from the booked starting time. After that time points 11.7 and 11.8 apply.

11.10. If the User cannot take part in the Meeting for reasons beyond her control and reports this to the Service Provider without delay, the Service Provider may set a replacement date.

11.11. The Service Provider may cancel the Meeting for important reasons. It gives information about this without delay and proposes a replacement date. If the User does not accept it, the Service Provider refunds the amount paid for the Meeting within 14 days.

§12. Using artificial intelligence

12.1. When preparing the Analysis the User may use artificial intelligence tools.

12.2. In the Form the User indicates how she used such tools.

12.3. The information given in point 12.2 serves the preparation of the Report, because the Service Provider relates differently to conclusions worked out by the User herself and to conclusions taken from the answer of a tool.

§13. The character of a Review

13.1. A Review and the Report are educational and informational only.

13.2. A Review and the Report are not an investment recommendation and not investment, legal or tax advice.

13.3. The Service Provider does not indicate financial instruments to buy or to sell and does not indicate what investment decision the User should make.

13.4. Every User makes her investment decision herself, on the basis of her own analysis and her own financial situation.

13.5. The liability of the Service Provider for educational content is set out in paragraph 20 of the Terms and Conditions of Using the Platform.

§14. The Analysis and confidentiality

14.1. The Analysis remains the property of the User.

14.2. The Service Provider uses the Analysis only in order to perform the Review.

14.3. The Service Provider does not publish the Analysis and does not make it available to third parties, except in cases arising from the law.

14.4. Copyright in the Report and the rules for using the Service Provider's materials are set out in paragraph 19 of the Terms and Conditions of Using the Platform.

§15. Withdrawal from the contract

15.1. A Consumer has the right to withdraw from the contract within 14 days of its conclusion, on the terms set out in paragraph 15 of the Terms and Conditions of Using the Platform.

15.2. By sending the Analysis before the period given in point 15.1 expires, the User requests that performance of the service begin before that period expires.

15.3. Once the Report has been sent the right of withdrawal expires.

15.4. If the User withdraws from the contract before the Report is sent, she pays for the performance provided up to the moment of withdrawal, in an amount proportionate to its scope.

§16. Personal data

16.1. The controller of Users' personal data is the Service Provider.

16.2. The rules for processing personal data, including the data given in the order and in the Form, are set out in the Privacy Policy.

16.3. The data is processed in order to perform the Review, to send the Report, to hold the Meeting and to settle the payment.

§17. Complaints

17.1. Complaints concerning a Review are made by the User on the terms set out in paragraph 16 of the Terms and Conditions of Using the Platform.

17.2. A complaint should give the order number and the date the Analysis was sent.

§18. Changes to these Terms

18.1. The Service Provider may change these Terms for important reasons, in particular after a change in the way a Review is supplied or after a change in the law.

18.2. The Service Provider gives information about a change in accordance with paragraph 22 of the Terms and Conditions of Using the Platform.

18.3. A change to these Terms does not concern orders placed before the day it takes effect.

18.4. The date of the last update of these Terms is given at the beginning of the document. Previous versions of these Terms are archived.