Last updated: 25.02.2025

1. General Information

These Terms of Service ("Terms") are a binding legal document between Number X Europe OU (collectively, "Number X Group", "we", "us", "our") and you ("Client", "you" or "your"). Please read these Terms carefully as this document describes your rights and obligations when using Number X Group's services.
Number X Group is a digital distribution platform that offers specialized services to facilitate the purchase of Products and related services to access the Products. It operates as a technology provider and specializes in developing software solutions that provide seamless transaction processing for the purchase of Products, the resale rights to which are granted in this Agreement.
Number X Group is not a payment processor, bank or licensed financial institution; does not hold any funds on behalf of Company or Client.
Estonian law is used because of the advanced Estonian legal system and favorable rules of the game for startups, not because the company does business there. Number X Group's Software development and services are performed outside Estonia.
IF YOU DON'T READ, UNDERSTAND OR AGREE TO THESE TERMS, PLEASE DO NOT USE THE SERVICES OR STOP USING THEM IMMEDIATELY.
All courses sold on this website are provided by Merchant of Record: Number X Europe OÜ, registered at Harju maakond, Tallinn, Kesklinna linnaosa, Vesivärava tn 50-201, 10152, Estonia, in agreement with Apex Digital S.R.O., registered at Nademlejnská 600/1, Hloubětín, 198 00 Praha 9, Czech Republic.

2.Course Purchase & Access
All courses are sold on an "as-is" basis. Upon successful payment, you will receive access to the purchased course. Access credentials are personal and may not be shared with third parties.

3.Transactions Processing & Billing
Payments are processed securely via our payment providers. Prices are listed in the applicable currency and may include taxes where required. You are responsible for providing accurate billing information. All transactions are processed by Merchant of Record: Number X Europe OÜ, registered at Harju maakond, Tallinn, Kesklinna linnaosa, Vesivärava tn 50-201, 10152, Estonia.

Transaction processing complies with Mastercard and Visa card scheme policies. The processing of card transactions follows the security and compliance standards set by Mastercard and Visa, including but not limited to:

• Strong Customer Authentication (SCA) to enhance security by requiring multi-factor authentication for certain transactions.
• Chargeback Protection & Dispute Resolution ensuring customers can dispute unauthorized or incorrect transactions in accordance with card scheme regulations.
• Fraud Prevention & Risk Assessment utilizing fraud detection mechanisms to monitor transactions for suspicious activities.
• Tokenization & Encryption to protect sensitive cardholder data and reduce the risk of fraud.
• Compliance with PCI DSS (Payment Card Industry Data Security Standard) ensuring the safe handling of payment information to prevent data breaches.

Transactions may be subject to additional verification procedures to prevent unauthorized activity and ensure compliance with anti-money laundering (AML) regulations. We do not store full card details; only necessary transaction data is retained as required by financial and legal regulations.

4.Types of Data Collected
We collect personal information such as name, email address, and payment details to process transactions. We may collect usage data, including IP addresses, browser type, and access times, to improve our services. All collected data is handled in accordance with applicable data protection regulations.

5.Intellectual Property
Rights All course materials, including text, videos, and other digital content, are the exclusive intellectual property of Apex Digital S.R.O. Users are granted a limited, non-transferable license to access and use the courses for personal learning purposes only. Any unauthorized reproduction, distribution, or commercial use of course content is strictly prohibited and may result in legal action.

6.Liability & Disclaimer
We do not guarantee specific outcomes from taking our courses. The platform and its affiliates are not liable for any direct or indirect damages resulting from course use.

7.Confidentiality
Any information shared between the customer and the platform, including personal details and purchase history, will be kept confidential and will not be shared with third parties without prior consent, except as required by law. Users are responsible for maintaining the confidentiality of their account credentials.

8.Amendments to These Terms
We reserve the right to update these Terms at any time. Continued use of the website after changes are made constitutes acceptance of the new Terms.

9.Disputes
(a) This Policy shall be governed by the laws in force in the Republic of Estonia and shall be construed accordingly, without prejudice to any other mandatory provisions of law more favorable to the Customer that apply in the Customer's country of habitual residence.
(b) Keeping in mind the high cost of litigation, not only in dollars, but also in time and energy, both you and Number X Group agree to the following dispute resolution procedure: In the event of any controversy, claim or action arising out of the purchase of any Product, or out of the breach, performance, interpretation or validity of this agreement or any part thereof ("dispute"), the party asserting the dispute will first attempt in good faith to resolve such dispute by giving written notice to the other party in good faith.
(c) Unless you specify otherwise in your notice, Number X Group will respond to your notice using your most recently used billing address or a billing address available to us.
(d) In the event Number X Group is unable to resolve the dispute, you and Number X Group agree that the parties shall resolve their dispute through binding arbitration in the Republic of Estonia, with one arbitrator, and the arbitrator shall apply the laws applicable in the Republic of Estonia. The arbitration shall be conducted solely on an individual basis with no right to pursue any claims on a class action basis. You hereby waive your right to a class action.

10.Changes to Terms & Condition
(a) We reserve the right to modify, update, or replace these Terms & Conditions at any time at our sole discretion. Any changes will become effective immediately upon posting on our website unless otherwise specified.
(b) It is your responsibility to review these Terms & Conditions periodically to stay informed of any updates. Your continued use of our services after changes have been posted constitutes your acceptance of the revised Terms.
(c) If you do not agree with the modified Terms, you must stop using our services immediately.

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