User Agreement

Operator And Scope

In this Agreement, "AlgoFlow", "we", "us", and "our" mean ALGOFLOW OÜ. "User", "you", and "your" mean the person or legal entity using the platform, requesting a specification, buying course access, or ordering development services.

The platform is intended for users who have legal capacity to enter into contracts. If you use AlgoFlow on behalf of a company, you confirm that you are authorized to bind that company. Mandatory consumer rights that cannot be waived by law remain unaffected.

Services

AlgoFlow provides digital tools for collecting project requirements, calculating preliminary estimates, communicating about technical specifications, creating payment links, and managing user access to paid educational content.

Paid services may include access to digital courses and lesson materials, homework review where included in the selected package, technical consultations, preparation and refinement of technical specifications, and custom software development. A calculator estimate, public page, message, or draft request is not a binding offer until scope, price, payment terms, and delivery terms are confirmed by us in writing, through an invoice, through a payment link, or through another explicit project confirmation.

Account And Access

You must provide accurate registration, billing, and contact information and keep your login credentials secure. You are responsible for all activity under your account unless the activity resulted from our breach of duty.

Account access, course access, payment history, saved calculations, private lesson pages, homework status, support communication, and other account features are personal to the registered user unless we agree otherwise. You must not sell, share, publish, or transfer paid access, invite links, lesson files, private course pages, or account credentials.

Education And Course Access

Course access is a digital educational service. The exact access rules depend on the purchased package, payment status, package configuration, lesson availability, homework requirements, and any manual access rules applied by the administrator.

Homework review, private group invite links, support replies, and individual access are provided only where they are included in the selected package or separately agreed. We may refuse, pause, or revoke access if payment is not completed, a payment is reversed, the account is shared, the platform is abused, or access is used in breach of this Agreement.

Educational content is provided to help users understand technical, product, software, and automation topics. It does not guarantee employment, income, trading profit, investment performance, business result, or successful implementation of any strategy.

Custom Development And Technical Specifications

For custom development, the agreed technical specification, invoice, payment link, written project confirmation, or other accepted scope document defines the deliverables. You are responsible for providing complete and lawful requirements, test data, access credentials or environments when needed, platform limitations, broker or exchange constraints, acceptance criteria, and timely feedback.

Changes that are outside the agreed scope, missing requirements, third-party platform restrictions, unavailable APIs, broker limitations, market-data limitations, or late feedback may change price, timing, deliverables, or feasibility. We may propose a revised scope or decline work that is unlawful, unsafe, misleading, technically impractical, or outside our service profile.

Unless otherwise agreed in writing, a development deliverable is accepted when you confirm acceptance, use it in production, or do not send a reasoned written defect list within 7 calendar days after delivery. Confirmed defects within the agreed scope will be corrected within a reasonable time. New features, changed logic, new integrations, and requirements not included in the agreed scope are separate work.

Payments And Invoices

Prices are shown in EUR unless another currency is stated. Access to paid digital content and start of custom work may require full or scheduled payment in advance. We may use third-party payment providers for cards, wallets, bank-related flows, and other payment methods.

A payment is complete only when our backend or the relevant payment provider confirms the paid status. A browser success screen, payment confirmation page, or payment provider redirect does not by itself grant access if server-side confirmation fails.

Withdrawal, Refunds, And Cancellations

If you are a consumer in the European Economic Area, you may have a 14-day right of withdrawal for distance contracts, subject to statutory exceptions. For services, the period generally starts when the contract is concluded. For digital content not supplied on a tangible medium, the withdrawal right may be lost once supply begins after your express consent and acknowledgement, where the law permits.

For course purchases, you expressly request and agree that access to digital lessons, private materials, account features, and any included homework review or support starts immediately after payment confirmation. You acknowledge that this immediate start may limit or remove withdrawal rights for digital content and services to the extent permitted by mandatory law.

Unless mandatory law requires otherwise or we agree in writing, a discretionary course refund may be requested only before the third lesson is opened, started, or otherwise used in your account. If approved, the refund is paid minus 30% of the amount paid for that course package; this retained part is an agreed estimate of the value of already supplied digital access, lesson availability, onboarding, support or homework review capacity, payment and administrative handling, and reserved course access. After the third lesson, or any later lesson or material, is opened, started, or otherwise used, course fees are non-refundable except for mandatory rights for non-conforming services or our material breach.

Custom software, custom specifications, personalized consultations, work prepared to your individual requirements, and services already performed at your request may be non-refundable or refundable only in part to the extent permitted by mandatory law. Business customers do not receive consumer withdrawal rights unless mandatory law says otherwise.

Refunds may be refused for completed digital access, used course access, accepted deliverables, account sharing, abuse, chargeback fraud, payment provider refusal, or work already performed. This does not limit mandatory rights for non-conforming services or other rights that cannot be excluded by law.

Intellectual Property And Confidentiality

Course materials, lesson text, video, cheatsheets, examples, templates, platform UI, calculator logic, brand assets, documentation, and other AlgoFlow materials remain our intellectual property or the property of our licensors. You receive only a personal, limited, non-exclusive, non-transferable right to use the materials for your own learning or agreed project use.

Unless a separate written agreement says otherwise, rights to custom deliverables created specifically for you transfer to you after full payment, excluding our pre-existing code, libraries, templates, tools, generic know-how, development methods, open-source components, and third-party materials. Third-party and open-source components remain subject to their own licenses.

You must have the right to provide any files, ideas, data, specifications, code, credentials, or materials that you send to us. You grant us the right to use them as needed to provide the requested service. Confidential information should be marked or clearly identified; a separate NDA prevails where agreed.

Trading, Financial, And Technical Risk

Some materials and development requests may relate to trading, automation, algorithms, indicators, bots, backtests, dashboards, market data, or digital assets. AlgoFlow provides technology, education, and software development services, not brokerage, asset management, trade execution, fiduciary services, investment advice, investment research, legal advice, tax advice, or financial advice.

Financial markets, derivatives, currencies, digital assets, leverage, automated trading, and technical automation can cause substantial losses, including total loss of capital. You are solely responsible for broker selection, exchange selection, testing, deployment, position sizing, risk controls, legal compliance, and decisions made using any material or software.

Backtests, simulations, examples, case studies, hypothetical results, or educational demonstrations are illustrative only. They may rely on historical data, simplified assumptions, hindsight, and incomplete cost or liquidity modelling. No result shown through AlgoFlow guarantees real-world performance.

Acceptable Use

You must not use AlgoFlow to violate law, infringe third-party rights, distribute malware, attack or overload the platform, bypass access controls, scrape private content, reverse engineer restricted parts of the platform, submit unlawful or misleading requests, impersonate another person, or use the service for regulated financial activity without required authorization.

We may remove content, reject requests, suspend access, or terminate an account where we reasonably believe this Agreement, payment terms, security rules, third-party rights, or applicable law have been breached.

Availability, Third Parties, And Liability

The platform depends on hosting, databases, email providers, Telegram, Cloudflare Turnstile, payment providers, payment networks, market-data sources, browsers, user devices, and other third-party systems. We do not guarantee uninterrupted or error-free availability and may perform maintenance or change non-material features.

To the maximum extent permitted by law, ALGOFLOW OÜ, its management, employees, contractors, and affiliates are not liable for indirect loss, lost profit, lost revenue, lost opportunity, loss of data, reputational damage, trading loss, investment loss, or losses caused by third-party systems, user configuration, market movement, platform misuse, or deployment without adequate testing.

Where liability cannot be excluded, our aggregate liability for a claim is limited to the amount paid by you for the disputed service during the 12 months before the event giving rise to the claim. Nothing in this Agreement excludes liability that cannot be excluded under mandatory law.

Changes, Governing Law, And Disputes

We may update this Agreement by publishing a new version on the website. Material changes will not reduce already paid fixed-scope deliverables unless required by law, security, third-party provider rules, or a separately agreed change.

This Agreement is governed by Estonian law, without prejudice to mandatory consumer protections that may apply in your country of residence. Before starting a formal dispute, contact us through the public contact form or the communication channel published on the website and include your account email, invoice reference, payment reference, or project reference.

If a consumer dispute cannot be resolved directly, you may have the right to contact the competent consumer dispute body, including the Estonian Consumer Disputes Committee where applicable. The discontinued EU ODR platform is not used for new complaints after 20 July 2025.