The agreement that governs your use of SafePremium Academy

1. Introduction and acceptance

These Terms of Use (the “Terms”) govern your access to and use of the SafePremium Academy course platform (the “Platform”), including the website at safepremiumacademy.com, the SafePremium Academy course (the “Course”), and any associated materials, downloads, or services we provide (collectively, the “Service”).

By creating an account, accessing the Platform, or using the Service in any way, you agree to be bound by these Terms. If you do not agree, you must not use the Service.

These Terms apply alongside our Privacy Policy, which describes how we handle your personal data, and any product-specific terms presented to you at the time of enrolment.

The Course, these Terms, our Privacy Policy, checkout information, and customer support are provided in English. By proceeding with enrolment you confirm that you understand English to the standard required to engage with the Course and these documents. We may add additional language versions in future; in case of any inconsistency between language versions, the English version prevails for the contract between us, except where mandatory consumer law in your country of residence requires otherwise.

2. About SafePremium Academy

SafePremium Academy is operated by:

In these Terms, “we”, “us”, and “our” refer to SafePremium Academy s. r. o. “You” and “your” refer to the individual using the Service.

Customer support, complaints, refund requests, withdrawal notices, and data-protection inquiries are primarily handled by email at the address above. The telephone number is provided for legal and consumer-law purposes; we may ask to schedule a call rather than answer immediately, and most issues are resolved faster by email.

3. The purchase relationship and Lemon Squeezy

Purchases of the Course are processed by Lemon Squeezy LLC (“Lemon Squeezy”) acting as Merchant of Record. This affects the contractual structure of a purchase as follows:

• Lemon Squeezy is the legal seller for the checkout transaction. Lemon Squeezy collects payment, calculates and remits any applicable taxes including VAT, issues invoices and receipts, and processes payment-related refunds and chargebacks. Your purchase contract for the transaction itself is governed by Lemon Squeezy’s own buyer terms, available at lemonsqueezy.com/legal.
• SafePremium Academy s. r. o. is the supplier of the Course content. We are responsible for the Course itself: providing the content, hosting the member area, supplying the access you purchased, supporting you in using the Course, and meeting our obligations to you under these Terms and under mandatory consumer-protection law.

The Merchant-of-Record arrangement does not remove our responsibility for the quality, conformity, and ongoing supply of the Course. Where these Terms refer to commercial commitments (such as our refund policy in §11) or to your statutory rights against us as supplier (see §13), those commitments apply between you and SafePremium Academy. Refund payments, where due, are processed by Lemon Squeezy on our instruction or, where applicable, by Lemon Squeezy directly under its own buyer terms. Nothing in these Terms limits any refund that Lemon Squeezy may issue under its own policies or under applicable law.

4. Your account

4.1 Eligibility

To create an account and access the Service, you must be at least 18 years old and capable of entering into a binding contract under the laws applicable to you. The Course is intended for adult learners. We may decline registrations that we determine, in good faith, do not meet this requirement.

4.2 Consumer or business use

The Course is primarily offered to individual learners acting as consumers (that is, outside their trade, business, craft, or profession). Where you enrol on behalf of a business, organisation, or for professional activity, you confirm that you have the authority to do so and that the account remains limited to one named individual unless we agree otherwise in writing in advance. Consumer-specific protections in these Terms (and any mandatory consumer-law protections referenced) apply only where you act as a consumer.

4.3 Account security

You must provide accurate information when creating an account, and keep your login credentials confidential. You are responsible for activity that occurs under your account. If you become aware of unauthorised access, please notify us at info@safepremiumacademy.com promptly.

4.4 One account per person

Each account is for a single individual. You may not share your credentials, allow others to use your account, or use one account on behalf of multiple individuals or organisations. Sharing access deprives the Course of the audience it was sold to and may result in account suspension under §17.

4.5 Email verification

We require you to verify your email address before granting access to purchased Course content. Unverified accounts may be cleared after a reasonable period.

5. The Course content and access

5.1 What you receive

The specific Course components included with your purchase are described on the relevant product page at the time of enrolment. Currently, two enrolment options are available:

• Module 1 — Options 101: a single foundational module covering options pricing, the Greeks, assignment, margin, and synthetic relationships, including a video lesson and downloadable PDF summary.
• Full SafePremium Programme: all eight Course modules, plus the included RSI(2) Research Package as a bonus (three documents, two TradingView Pine scripts, and calibrated implied-volatility models).

5.2 Module release schedule for Full Course buyers

Module 1 and the RSI(2) Research Package are made available to you immediately upon enrolment in the Full Course. Modules 2 through 8 are released to you progressively, one per week, anchored to the date of your enrolment. By approximately the seventh week after enrolment, all eight modules are accessible to you. The release schedule is part of what you purchase and is disclosed at checkout.

5.3 Modes of access

Course videos are streamed to you via Vimeo’s embedded player from within your account; videos are not provided as downloadable video files. Downloadable resources (PDF summaries, bonus documents, and Pine script files where applicable) are made available within your member dashboard. We use industry-standard streaming and access controls and may apply watermarking or similar measures.

5.4 Continued access

Subject to these Terms, purchased Course access will remain available to you for at least five (5) years from the date of your purchase, and thereafter for as long as we continue operating the Service. We will not arbitrarily withdraw access from paying customers.

If we discontinue the Course or materially reduce access to purchased content during the five-year minimum period, or thereafter for reasons not caused by your breach of these Terms, we will give you reasonable advance notice, and we will use commercially reasonable efforts to either:

1. continue making the core downloadable materials available to existing buyers for a reasonable period after discontinuation;
2. provide a substantially equivalent replacement; or
3. offer an appropriate partial refund where the loss of access materially affects what you purchased, in accordance with mandatory consumer-protection law.

We may also alter the release schedule for Modules 2–8 for operational reasons (for example, to deliver a later module at the same quality standard). If a schedule change adversely affects you in more than a minor way, you remain entitled to invoke the refund policy in §11.

6. Licence and intellectual property

6.1 Our ownership

The Course and all of its content — including videos, slides, PDF documents, Pine script files, branding, text, audio, and visual elements — are the exclusive intellectual property of SafePremium Academy s. r. o. or its licensors. We retain all rights not expressly granted to you in these Terms.

6.2 Your licence

Subject to your compliance with these Terms, we grant you a limited, personal, non-transferable, non-exclusive, revocable licence to access and view the Course content for your own personal, non-commercial educational use. This licence does not transfer to you any ownership of the Course content.

6.3 What you may not do

Without our prior written permission, you may not:

• Reproduce, distribute, publicly display, or publicly perform any Course content;
• Modify, translate, adapt, or create derivative works from any Course content;
• Share, rent, lease, sublicense, or sell access to the Course or any of its components;
• Record, screen-capture, or otherwise copy video lessons (except as expressly permitted by accessibility law);
• Use any Course content as training data, reference material, or input for any artificial-intelligence model or system;
• Remove, obscure, or alter any copyright notices, attributions, or watermarks;
• Reverse-engineer or attempt to extract source materials from delivered formats.

6.4 Pine scripts: a specific note

The TradingView Pine scripts included in the RSI(2) Research Package are provided for your personal use within your own TradingView account. You may not republish them as your own work, distribute them publicly, or use them as the basis of a paid signal service or subscription product without our written permission.

7. Educational nature; not investment advice

The Course is provided as educational content. It explains concepts, methodologies, and frameworks for thinking about options trading and premium-selling strategy. It is not intended to be, and does not constitute:

• Personalised investment advice or recommendations;
• A solicitation or offer to buy, sell, or hold any specific security, derivative, option contract, or other financial instrument;
• A signal service or trade-recommendation service;
• An offer of investment advisory services or portfolio management;
• A guarantee or representation that any methodology described will produce profits, or that any trade or strategy will succeed.

We do not assess your financial situation, investment objectives, risk tolerance, tax position, broker permissions, or suitability for options trading. Where the Course or its bonus materials reference specific tickers, instruments, or example trades, those references are illustrative of methodology only and are not personalised recommendations to trade those instruments.

Any historical performance figures, backtests, or research data presented in the Course or its bonus materials are based on historical data and may not be indicative of future results. Past performance does not guarantee future returns.

8. Acceptable use

In addition to the licence restrictions in §6, you agree not to:

• Use the Service in violation of any applicable law or regulation;
• Interfere with, disrupt, or attempt to gain unauthorised access to any part of the Platform or its underlying infrastructure;
• Use automated tools (scrapers, crawlers, bots) to access the Service except as expressly authorised;
• Submit false, misleading, or fraudulent information when creating an account or making a purchase;
• Attempt to bypass payment, refund, or access-control mechanisms;
• Harass, threaten, or abuse our personnel or other users;
• Misrepresent your association with SafePremium Academy or our personnel.

We may investigate suspected violations and may take appropriate action, including suspending or terminating your account in accordance with §17.

9. Pricing, taxes, and payment

9.1 Prices, currency, and total at checkout

Prices for the Course are displayed on the Platform in euros (EUR). Prices shown on product pages may be displayed exclusive of VAT or other applicable taxes where permitted. Before you place a paid order, the Lemon Squeezy checkout will show the total amount payable, including applicable VAT, taxes, and any fees, calculated based on your billing location. You are not bound to pay anything beyond the total shown to you on the final checkout page.

9.2 Pre-order information and the paid-order button

Before you complete a purchase, the checkout page will show the main characteristics of the selected Course product, the total price payable, applicable taxes, the payment method, the refund policy, withdrawal information, and any minimum duration or release schedule. You complete the purchase only by clicking a payment button clearly indicating that the order creates an obligation to pay.

9.3 Payment processor and currency conversion

As described in §3, payment is processed by Lemon Squeezy as Merchant of Record. If your payment method is denominated in a currency other than EUR, your card issuer or bank may apply currency-conversion charges or exchange rates over which we have no control.

9.4 Invoicing and durable medium

Invoices, receipts, and any tax documentation for your purchase are issued by Lemon Squeezy. You will receive these by email at the address you provide at checkout. We will additionally send you a confirmation email summarising the product purchased, the total price, the version of these Terms and our Privacy Policy applicable to your purchase, the refund policy, and (where applicable) a record of your consent to immediate access and acknowledgement of loss of statutory withdrawal rights. This confirmation email serves as confirmation on a durable medium for the purposes of EU consumer-protection law.

9.5 No pre-ticked extras

We do not pre-select paid extras at checkout. Any optional add-on, where offered in future, requires your express consent. Pre-selected options do not create an obligation for you to pay any additional amount.

9.6 Module 1 to Full Course upgrade credit

If you have purchased Module 1 and decide to upgrade to the Full Course within 30 days of your Module 1 purchase date, the price you paid for Module 1 will be credited toward the Full Course price. The credit is applied as a discount at checkout via a single-use code we provide. Outside the 30-day window the upgrade is still possible but at the full Course price. Upgrade credits are not redeemable for cash and cannot be combined with other discounts unless we state otherwise.

10. Technical requirements

To access and use the Course, you need:

• A modern web browser (recent versions of Chrome, Firefox, Safari, or Edge);
• A stable internet connection capable of streaming video at standard quality;
• An email account for login and to receive transactional and Course-related messages;
• Software capable of opening PDF files;
• For the TradingView Pine scripts included in the RSI(2) Research Package: a TradingView account and access to TradingView’s Pine Script functionality. Pine Script availability and feature limits are set by TradingView and may differ between free and paid TradingView plans.

Course videos are streamed and are not provided as downloadable video files. Downloadable materials may include PDF documents and text/script files. Some files may be protected by access controls or watermarking.

We do not provide broker accounts, TradingView subscriptions, market-data subscriptions, tax software, or investment-advisory services. You are responsible for arranging these separately if you wish to apply the Course methodology in practice.

11. Refund policy

In addition to any statutory rights you may have under applicable consumer-protection law (see §12 and §13), we offer the following commercial refund commitments:

• Module 1: 14 days from the date of purchase. If Module 1 is not what you expected, write to info@safepremiumacademy.com with your purchase details and we will arrange a refund.
• Full Course: 30 days from the date of purchase, with no questions asked — even if you have completed all unlocked modules within that period. We make this commitment because we believe the Course should stand on its merits.

11.1 How refunds are processed

Refunds under our commercial policy are processed by Lemon Squeezy on our instruction. The funds are returned to the payment method you used at checkout. Card refunds typically appear in your account within 5 to 10 business days but may take longer depending on your card issuer and bank.

11.2 Effect on access after a refund

When a refund is processed, your access to the refunded Course components is revoked. If you had access to bonus materials gated to the Full Course (such as the RSI(2) Research Package), access to those materials is also revoked. You may continue as a registered account holder for any other purchases you have made.

11.3 Limits on the commercial refund policy

We may decline a refund where we have a good-faith reason to believe a request is fraudulent, abusive (for example, repeated cycles of purchase and refund), or made after credible evidence of unauthorised redistribution of Course content. Statutory rights described in §12 and §13 are not limited by this provision. Nothing in this section limits any refund Lemon Squeezy may issue under its own buyer terms or as Merchant of Record under applicable law.

12. Statutory right of withdrawal (EU consumers)

If you are a consumer resident in the European Union, you generally have the right under the EU Consumer Rights Directive (and its Slovak implementation) to withdraw from a distance contract for digital content within 14 days, without giving any reason.

12.1 Voluntary waiver at checkout

Because the Course consists of digital content delivered immediately on enrolment, the right of withdrawal does not apply if, before delivery begins, you have:

• Given your express prior consent to the Course being made available immediately, and
• Acknowledged that, by doing so, you lose the statutory right of withdrawal under Article 16(m) of Directive 2011/83/EU as transposed into Slovak law.

When you complete a purchase, the checkout flow asks you to confirm both of the above explicitly, by checking a clear consent box that is not pre-ticked. Only when you confirm both will the Course content be made available to you. If you decline either, your purchase will not be completed and you will not be charged. We will record your consent and acknowledgement and confirm them to you on a durable medium (typically by email) following purchase.

12.2 How to withdraw, where the right still applies

Where the right of withdrawal still applies (because you did not validly consent to immediate access and acknowledge loss of the right, or in any other circumstance prescribed by mandatory law), you may withdraw within 14 days of purchase by sending us a clear statement of your decision, by email to info@safepremiumacademy.com or by post to the registered office in §2. You may, but do not have to, use the model withdrawal form below.

12.3 Model withdrawal form

12.4 Online withdrawal function (from 19 June 2026)

Where Directive (EU) 2023/2673 applies and you have a statutory right of withdrawal that has not validly been lost, you may, from 19 June 2026, also withdraw using an online withdrawal function provided through our website or checkout interface. We will acknowledge any withdrawal made through that function on a durable medium without undue delay.

12.5 Our commercial refund policy still applies

Even if you have waived the statutory right of withdrawal at checkout, our commercial refund commitments described in §11 (14 days for Module 1, 30 days for the Full Course) continue to apply. They are offered on top of, not in substitution for, your statutory rights and any rights you have under §13.

13. Statutory rights for digital content and digital services

Nothing in these Terms limits or excludes any mandatory rights you have as a consumer under applicable consumer-protection law, including your rights relating to the supply and conformity of digital content and digital services (in particular under EU Directive 2019/770 and its Slovak transposition).

We are responsible for supplying the Course and any included digital materials in accordance with the contract. The Course should correspond to the description provided at the time of purchase and should have the functionality, compatibility, accessibility, continuity, security, and other characteristics that you may reasonably expect for a digital educational product of this type, subject to the technical requirements disclosed in §10.

If the Course or included digital materials are not supplied or do not conform to the contract, you may have statutory remedies, including:

• The right to have the lack of conformity brought into conformity (for example, by correcting a defect or restoring missing functionality);
• The right to a proportionate price reduction; or
• The right to terminate the contract,

depending on the circumstances and the mandatory consumer law applicable to you. To report a defect or non-conformity, please follow the procedure in §14.

13.1 Duration of statutory responsibility for defects

For digital content supplied as a one-off supply or as a set of individual supplies, our statutory responsibility for defects applies to defects that existed at the time of supply and become apparent within two years from supply, where mandatory Slovak consumer law applies. For digital content or digital services supplied continuously over an agreed period, our responsibility applies to defects that occur or appear during that agreed period. This does not limit any more favourable mandatory rights that apply under the law of your country of residence.

14. Complaints, defects, and consumer redress

You may submit complaints, defect notices, refund requests, withdrawal notices, and requests for redress by email to info@safepremiumacademy.com or by post to the registered office in §2. Please include your purchase email, order number where available, and a clear description of the issue, with any relevant screenshots or error messages.

When you notify us of a defect or submit a request for redress, we will confirm receipt in writing without undue delay. We will assess the issue and either remedy it or explain in writing why we do not accept responsibility, within a reasonable time and no later than 30 days from receipt of your complete request, where required by applicable law.

If we reject your request for redress or do not respond to it within 30 days, you may submit the dispute to an authorised alternative dispute resolution body in accordance with §20.

15. Risk and jurisdictional eligibility

Trading options carries substantial risk, including the loss of more than the premium received on a written option. The Course explains these risks in detail, but you should be aware of them before deciding whether the Course is suitable for you.

Whether you are personally eligible to trade options depends on your jurisdiction, your broker’s requirements, your level of experience, and local regulation. The Course teaches a methodology that is applicable across markets but does not address the specific regulatory or tax framework of any particular country. It is your responsibility to ensure you understand and comply with the rules that apply to you, and to confirm with your broker that you have the necessary permissions to apply the methodology to live capital.

16. Limitation of liability

Nothing in this section limits or excludes any mandatory rights you have as a consumer under applicable law, including rights relating to supply, conformity, defects, remedies, refunds, withdrawal, or liability that cannot be limited by contract.

Subject to that, and to the fullest extent permitted by applicable law, the Service is provided with reasonable care and skill but on an “as is” and “as available” basis beyond the warranties required by law and those expressly stated in these Terms.

16.1 What we are not liable for

Subject to the rest of this section, we are not liable for:

• Any losses arising from your trading decisions, whether or not influenced by Course content;
• Outcomes of any specific trade, strategy, or investment;
• Tax consequences of your trading or investing;
• Losses caused by your failure to follow the methodology accurately, your broker’s actions, or third-party platform outages outside our control;
• Indirect, consequential, or special losses (such as loss of profits, opportunity, or anticipated savings) arising from your use of the Service.

16.2 Cap on direct liability

Where, despite the above, we are found liable to you for direct losses arising from these Terms or your use of the Service, our aggregate liability is limited to the amount you paid for the affected Course product. This limitation does not apply where prohibited by applicable consumer-protection law.

16.3 What we do not exclude

Nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence;
• Fraud or fraudulent misrepresentation;
• Any other liability that cannot be lawfully limited under applicable consumer-protection law.

17. Suspension and termination

17.1 By you

You may close your account at any time by writing to info@safepremiumacademy.com. Before completing closure, we will explain its effect, including the impact on Course access. Where technically and legally possible, we may restore access to purchased content if you later ask to reactivate your account and can verify the original purchase. If you also request deletion of your personal data under our Privacy Policy, we may be unable to restore access without retaining the minimum records necessary to prove your entitlement, subject to our Privacy Policy and applicable law.

Refund rights are governed by §11 and §12 and are not extended by account closure.

17.2 By us

We may suspend or terminate your account, with or without notice, where we have a reasonable basis to believe you have:

• Materially violated these Terms (including the licence restrictions in §6 or the acceptable-use rules in §8);
• Engaged in fraudulent, illegal, or abusive conduct on the Platform;
• Provided false information at registration or purchase;
• Caused harm or risk of harm to other users, our personnel, or our infrastructure.

17.3 Effect of termination

On termination by us, your access to the Course is withdrawn. Where termination is for a serious breach by you, we are not obliged to refund amounts paid. Where termination is not based on conduct of yours, we will refund a pro-rata share of any amount paid for Course content you can no longer access.

18. Changes to these terms

We may update these Terms from time to time. The “Last updated” date at the top of this page indicates when the most recent revision was made.

For new purchases, the version of these Terms in force at the time of your purchase applies to that purchase.

For existing purchasers, we may make reasonable changes to these Terms or to the Service where necessary for legal, security, technical, operational, or anti-abuse reasons, or to improve the Course without materially reducing what you purchased. Where a change materially reduces your access to purchased content or otherwise negatively affects you in more than a minor way, we will notify you on a durable medium (typically by email) before the change takes effect, and you may have the right to terminate the affected contract or receive an appropriate remedy where required by applicable consumer-protection law (including under EU Directive 2019/770).

19. Governing law and jurisdiction

These Terms are governed by the laws of the Slovak Republic, excluding their conflict-of-laws rules.

If you are a consumer resident in another EU Member State, this choice of law does not deprive you of the protection of the mandatory consumer-protection rules of the law of your country of residence (Article 6 of Regulation (EC) No 593/2008, “Rome I”). Nothing in this section limits any right you have as a consumer to bring proceedings in the courts of your country of residence or to rely on mandatory jurisdiction rules that apply to consumer contracts.

For business users (acting outside their capacity as consumers), disputes arising out of or in connection with these Terms are subject to the exclusive jurisdiction of the competent courts of the Slovak Republic.

20. Dispute resolution

Before commencing legal proceedings, we encourage you to contact us at info@safepremiumacademy.com so that we can attempt to resolve the matter directly. Most issues we have seen can be resolved this way quickly and at no cost to you.

20.1 Slovak alternative dispute resolution (consumers)

If you are a consumer and we reject your request for redress or do not respond to it within 30 days (see §14), you may submit the dispute to an authorised alternative dispute resolution body in accordance with Slovak Act No. 391/2015 Coll. on Alternative Dispute Resolution for Consumer Disputes. The choice of competent ADR body belongs to you.

For disputes not assigned to another specialised authority, the residual ADR body is the Slovak Trade Inspection (Slovenská obchodná inšpekcia). Information on ADR bodies and on the procedure is available at www.soi.sk and from the Ministry of Economy of the Slovak Republic.

Submitting a dispute to ADR does not limit your right to bring a claim before a competent court. Our participation and cooperation in any ADR process will be governed by Slovak Act No. 391/2015 Coll. and the rules of the competent ADR body.

21. Miscellaneous

21.1 Entire agreement

These Terms, together with our Privacy Policy and any product-specific terms presented to you at the time of enrolment, constitute the entire agreement between you and us regarding your use of the Service.

21.2 Severability

If any provision of these Terms is held invalid or unenforceable, the remainder of the Terms remains in full effect. Where reasonably possible, the invalid provision will be replaced by a valid provision that most closely reflects our original intent and respects mandatory consumer-protection law.

21.3 No waiver

Our failure to enforce any provision of these Terms is not a waiver of our right to enforce that or any other provision later.

21.4 Assignment

You may not assign these Terms or any of your rights or obligations under them without our prior written consent. We may assign these Terms to a successor in connection with a corporate reorganisation, merger, or sale of substantially all our assets, on reasonable advance notice to you.

21.5 Force majeure

Neither party is liable for failure to perform its obligations to the extent that performance is prevented by events outside its reasonable control, including but not limited to natural disasters, war or armed conflict, widespread infrastructure outages, public-health emergencies, or actions of government authority.

21.6 Contact

For any questions about these Terms, please contact us at info@safepremiumacademy.com.