General Terms and Conditions of iKredo Membership (GTC)
Effective from 12 October 2026 (beta version 1).
1. Contracting parties and subject matter
1.1 Provider: KREDO Digital Finance a.s., Company ID No. 09062530. Member: a natural person over 18 years of age or a legal entity that has concluded a membership agreement.
1.2 The subject matter of membership is access to the iKredo members' area and the use of the tools: iKredo analyses, data and documents by instrument (in the original languages and in Czech translations), the Heat and Heat-forecast indicators (and, once launched, SEXY and BOLD), virtual portfolios, the Analyst and the training mode.
1.3 No part of the performance constitutes an investment service, asset management or investment advice (see the Terms of Use, Article 2).
2. Formation of membership
2.1 The applicant registers on the waiting list (by e-mail). The Provider sends an offer of membership; the agreement is formed by the member's online confirmation of the offer (by ticking the consent to the GTC, the Terms of Use and the Community Rules) and by delivery of a confirmation by e-mail.
2.2 During beta operation membership is free of charge, and the Provider may limit the number of members or decline an offer without giving reasons.
2.3 The member shall provide truthful information and keep it up to date.
3. Price and payment
3.1 During beta operation: CZK 0. The introduction of paid membership, its price and the payment terms will be announced by e-mail at least 30 days in advance; a member who does not agree with the price may terminate the agreement before it takes effect without any penalty.
3.2 Once introduced, payments will be made by non-cash transfer; tax documents will be issued electronically.
4. Duration and termination
4.1 The agreement is concluded for an indefinite period. Either party may terminate it without giving reasons, with effect from the end of the calendar month in which the notice of termination was delivered (by e-mail).
4.2 The Provider may terminate membership with immediate effect in the event of a material breach of the GTC, the Terms of Use or the Community Rules (in particular sharing of access, scraping, market manipulation).
4.3 Withdrawal by a consumer. A consumer may withdraw from the agreement within 14 days of its conclusion without giving any reason (Section 1829 of the Civil Code) – by e-mail to [email protected]; a model withdrawal form is attached. If the consumer requests that the members' area be made accessible before the expiry of this period and gives express consent, the consumer acknowledges that the right of withdrawal lapses once digital content has been supplied (Section 1837(l) of the Civil Code); during the free beta operation the consumer is not charged anything as a result.
5. Rights and obligations of the member
5.1 The account is personal and non-transferable; the member shall protect the access credentials and shall not disclose them to third parties.
5.2 The member must not distribute, sell or publish the content of the members' area (data, analyses, Analyst outputs, document translations) outside the members' area without the Provider's written consent.
5.3 The member shall comply with the Community Rules and the Terms of Use.
5.4 The member acknowledges that virtual portfolios do not work with real money and that Analyst outputs are AI outputs which must be verified.
6. Rights and obligations of the Provider
6.1 The Provider ensures the operation of the members' area with the availability that can reasonably be expected during beta operation; it announces planned maintenance in advance.
6.2 The Provider may change the tools, formulas and scope of data; it will announce any material reduction in scope 30 days in advance.
6.3 The Provider processes personal data in accordance with the Privacy Policy.
7. Complaints and defects
7.1 The member shall notify defects in performance to [email protected]; the Provider shall deal with them no later than within 30 days.
7.2 For digital content, Section 2389a et seq. of the Civil Code applies; a consumer has the right to have the defect remedied, to an appropriate price reduction, or to withdraw, as provided by law.
8. Liability
Article 6 of the Terms of Use and the Disclaimer apply.
9. Final provisions
9.1 The law of the Czech Republic; the courts of the Czech Republic; the Czech Trade Inspection Authority (ČOI) for out-of-court resolution of consumer disputes; the ODR platform.
9.2 The Provider shall announce changes to the GTC by e-mail at least 30 days in advance; a member who does not agree with a change may terminate the agreement before the change takes effect.
9.3 The Czech version prevails.
Annex – model withdrawal form: Addressee: KREDO Digital Finance a.s., [email protected]. I hereby give notice that I withdraw from the iKredo membership agreement concluded on […]. Name, account e-mail, date, (signature, if sent in paper form).
The Czech version of this document is authoritative; this English translation is provided for convenience.