1. Who we are

The EconoBeats website and platform at www.econobeats.com are operated by BARBU ROBERT-FLORIAN PERSOANĂ FIZICĂ AUTORIZATĂ, a sole trader registered in Romania, with the professional seat at Str. Principală nr. 30, sat Delureni, comuna Valea Mare, jud. Vâlcea, Romania, registered with the Trade Register under number F2025031472006, unique registration code (CUI) 52399410, e-mail contact@econobeats.com.

You can reach us by e-mail at contact@econobeats.com (billing matters: billing@econobeats.com; newsletter: newsletter@econobeats.com). You can also write to us through the contact form on the site: a message sent through the form arrives in the same mailbox and counts as a written request, including for the purposes of sections 8, 9 and 16.

In these Terms, we, us and EconoBeats mean the trader identified above; you means the person who visits the site, creates an account or buys a subscription. Consumer means a natural person acting for purposes outside their commercial, industrial, craft or professional activity. Some sections below apply only to consumers and say so expressly.

Prices are final; no VAT applies. We are not registered for VAT purposes: we apply the special exemption regime for small enterprises under art. 310 of Law no. 227/2015 on the Fiscal Code. No VAT and no other tax or charge is added to the amounts shown.

We are not an investment firm. Our activity is not subject to authorisation and we are not supervised by the Financial Supervisory Authority (ASF) or by any other financial markets regulator. See section 12.

2. What EconoBeats is

EconoBeats is a paid subscription to a macro and market intelligence platform. A subscription gives access to:

• the MacroBeats dashboard, with 13 composite indicators computed from public data;
• the Actionable Layer (the model allocation): currently on the Regimes tab of the MacroBeats dashboard, and added to the other tabs as their models go live; for each available region, a model allocation computed from the indicator readings — weights by asset class and by industry, together with a short note. It is general, it is the same for every subscriber who selects that region, and it is not a personal recommendation. See section 12;
• the library of research reports: weekly reports and company, sector and thematic reports. Reports are displayed inside your browser, some as PDF documents and some as page images. Most are written by us; some are reports produced by third parties, which we make available under the terms set by their source. Every report shows its source and the date it refers to. Some reports, or extracts from them, are also published outside the members' area;
• the Market Outlook newsletter, sent to the e-mail address of your account. See section 15;
• the guides and courses published on the platform.

The private members' network (coming soon) is announced on the site. It is not available today and is not part of what your subscription gives you.

Every plan includes the same content. The plans differ only in how long they last and in their price.

How the service is delivered, and what you need for it. The service is entirely digital and is delivered online. Access is made available immediately after your payment is confirmed. You need an internet connection, a current version of a common web browser, and the account you created; there is no software to install. The reports are displayed in the browser; the platform provides no download and no print function. The interface is in English, with Romanian available as a secondary language.

The data behind the indicators. The indicators are computed with fixed formulas from public data, published mainly by FRED, OECD, NBER, CBOE and CFTC; individual reports may also use other public or third-party sources, which the report names. Every figure carries the date it refers to ("as of"). The sources may revise, delay or discontinue a series we use; when that happens, an indicator may be updated later than usual, changed, or paused.

Regions. The region selector chooses which regional data set you see — the indicator values and the model allocation computed for that region. Every region that is active is available to every subscriber, at the same price, whatever country you are in.

3. Who can use the platform, and your account

• You may create an account only if you are at least 18 years old and have full legal capacity to enter into a contract. By creating an account you declare that you are. We do not verify your age when you sign up.
• An account is created with an e-mail address and a password. Before the account can be used you must confirm the e-mail address by following the link we send you.
• When you create the account you must tick the box by which you accept these Terms and the Privacy Policy. Without that acceptance the account cannot be created. That box covers only these two documents; it is not the express request and the acknowledgment described in section 9, which are given separately at checkout.
• Access to member content is decided on our servers, from the status of your subscription. Without an active subscription you can use only the public parts of the site.
• The e-mail address you give us must be correct and must be one you control: it is the address we use for everything concerning your account and your subscription.
• Your password is personal. Keep it confidential, do not reuse a password from another service, and tell us without delay at contact@econobeats.com if you believe someone else has used your account.
• An account is for one person. See section 10.
• Legal persons and other professionals may also subscribe. Whether you are a consumer follows from the law and from the purpose for which you contract, not from what you select on the checkout page: the "Individual / Business (company)" choice there determines only the data that goes on the invoice. A natural person who subscribes mainly for purposes outside a trade, business or profession keeps the rights of a consumer whatever invoicing data was given.

If you seriously or repeatedly breach these Terms, we may suspend or close your account, as described in section 10. If we end your subscription for a reason that is not attributable to you, we refund the part of the paid period you can no longer use.

4. How the contract is concluded

The subscription contract is concluded at a distance, by electronic means, in the following steps:

• you choose a plan on the pricing page;
• you create an account and confirm your e-mail address;
• you reach the checkout step on our own site ("Checkout — step 2 of 2"), which shows the plan, its duration, the total amount to be paid, what the subscription includes, and the date and the amount of the first renewal;
• you state who is paying — "Individual" or "Business (company)". This choice determines only the data that goes on the invoice: for a company you also enter, on Stripe's payment page, the company name and the VAT identification number or, if the business has none, its tax identification code. It changes neither the price, nor the content, nor your rights;
• separately from your acceptance of these Terms, you tick a box, which is not pre-ticked, with the following text: "I expressly request immediate access to the platform and I acknowledge that, once access starts, I lose my right of withdrawal." You cannot continue without ticking it;
• you press the button "Order with obligation to pay", which opens the secure payment page operated by Stripe;
• on Stripe's page you enter your card data and the billing name and address, and you confirm the payment with Stripe's button, which reads "Subscribe"; the line above that button repeats that the order implies an obligation to pay. By confirming, you are obliged to pay the price shown;
• the contract is concluded when the payment is confirmed and we make access to the platform available. Your express request and your acknowledgment, with the date and time you gave them, are stored with the Stripe payment session;
• we then send to the e-mail address of your account, on a durable medium, the confirmation of the concluded contract. It includes the confirmation of your express request and of your acknowledgment that you lose the right of withdrawal, with the date and time you gave them, and sets out the plan, the price, the renewal date and how to cancel.

Correcting input errors. Before you confirm the order you can return to the previous step and change the plan you selected, or abandon the order by closing the page. If, after paying, you notice a mistake in the data you entered, write to contact@econobeats.com and we will correct it.

Payment means and territorial restrictions. Payment is made by bank card, through Stripe (Stripe Payments Europe). You enter your card data only on Stripe's page; card data never reach EconoBeats. We apply no territorial restriction: access to the platform is not restricted by country. The region selector chooses which regional data set you see; every active region is available to every customer, at the same price, whatever country you are in.

Storing the contract. We keep, associated with your account, the data of your subscription: the plan, the period, the payments made and the express request and acknowledgment described above, which are stored with the Stripe payment session. These Terms are published on this page in the version in force and can be saved or printed at any time; we recommend that you keep a copy of the version you accepted, together with the confirmation e-mail.

Languages. The contract can be concluded in English or in Romanian. See section 19.

Codes of conduct. We have not subscribed to any code of conduct applicable to this service.

5. Subscription plans and prices

• 1 month — EUR 49 for one month of access;
• 3 months — EUR 119 for three months of access;
• 12 months — EUR 399 for twelve months of access.

These are total prices for the whole billing period, per subscription. They are final: prices are final and no VAT applies, so nothing is added to the amount shown — no VAT, no set-up fee, no cancellation fee. If your card is issued in another currency, your bank may apply its own exchange rate or conversion fee; that cost belongs to your bank, not to us.

The amount shown is the amount you pay. If a change in tax law later makes us liable to charge VAT or another tax on the subscription, the price you have already seen is treated as including that tax; we do not add anything on top of a displayed price. If a tax change makes us raise a price, we do so only through the price-change rule below.

There is no free trial.

Automatic renewal. At the end of each period, the subscription renews automatically for a new period of the same length, and the payment means stored with Stripe is charged. The renewal is charged at the same price as the period that has just ended, unless we announce a price change by e-mail to the address of your account at least 30 days before it applies; in that case the new price applies only from the first renewal that falls at least 30 days after the e-mail announcing it, and you can cancel free of charge before it takes effect. Renewal continues until you cancel. The minimum duration of your obligations is the period you chose and paid for: you can cancel at any time, with effect at the end of the paid period, and you owe nothing further.

When the next charge happens. Your renewal date is shown on your Account page, next to "Renews", and in the confirmation we send you by e-mail after each payment. You can cancel at any time before that date; see section 7. Renewal payments are not refunded, and a renewal does not open a new withdrawal period; see sections 8 and 9.

6. Payment, billing data and invoicing

Payments are processed by Stripe (Stripe Payments Europe), through its hosted checkout page and its billing portal. You enter your card data on Stripe's pages: card data never reaches EconoBeats and we never store it. From Stripe we receive and keep a customer identifier, the status of your subscription, and the billing data Stripe collects for the invoice — the billing name, the billing address and the country and, for a business, the company name and the VAT identification number or, if the business has none, its tax identification code. How we use these data is described in the Privacy Policy.

Renewals are charged automatically to the payment means you have stored with Stripe. You can update it at any time from your Account page. If a renewal payment fails, access may be suspended until a payment succeeds.

A payment confirmation shown or sent by Stripe is a receipt for the payment; it is not an invoice.

Invoices. For every payment we issue an invoice in accordance with Romanian law: in euro, with the equivalent in lei at the exchange rate of the National Bank of Romania applicable on the date of the invoice, showing that rate, carrying our identification data and the mention that the service is exempt from VAT under art. 310 of the Fiscal Code. Invoices are issued through SmartBill and sent to the e-mail address of your account. If you do not receive an invoice, or it needs correcting, write to billing@econobeats.com. Where we refund a payment, in whole or in part, in one of the cases described in section 8, we also issue the corresponding corrective invoice.

7. Changing your plan, cancelling, and closing your account

Cancelling. You can cancel at any time, from your Account page, through the billing portal operated by Stripe. Cancellation stops the next renewal; it does not cut your access short. You keep access until the end of the period you have already paid for, and the period that has begun is not refunded, in whole or in part, except in the cases described in section 8. There is no cancellation fee and no penalty.

Changing plan. You can move to another plan from your Account page. The plan you choose starts at the end of the period you have already paid for, and its full price is charged at that moment. Nothing is charged on the day you request the change, and we do not calculate pro-rata differences between plans.

Your account after a cancellation. Cancelling stops the payments and ends your access at the end of the paid period; the account and the data in it remain, so that you can subscribe again with the same account, at the prices then in force. To close the account and have the data deleted, write to contact@econobeats.com: we delete it within 30 days, except the records we are required by law to keep, such as invoices and the related accounting data.

8. Payments are non-refundable, except where the law requires otherwise

The rule. Payments are non-refundable, except where the law requires otherwise. This applies to the first payment of a subscription and to every renewal payment. When you cancel, access continues to the end of the period you have already paid for and nothing further is charged (section 7); a renewal does not open a new withdrawal period (section 9).

When we refund. We refund a payment, in whole or in part, only in the following cases:

• we end your subscription for a reason that is not attributable to you — the part of the paid period you can no longer use; see section 3;
• we end your subscription for a breach of section 10 — the unused part of the paid period, while any damage we suffer is claimed separately; see section 10;
• a change we make substantially reduces what your subscription includes and you cancel for that reason — the part of the paid period you can no longer use; see section 13;
• the platform does not conform to the contract and, under the legal guarantee of conformity, you are entitled to a price reduction or to terminate the contract — the amount provided by that law; see section 13;
• you are a consumer and you keep the right of withdrawal because the conditions for losing it were not met — see section 9;
• we charged you by mistake, for example twice for the same period or after a cancellation had taken effect — the amount charged by mistake;
• a court, a competent authority or a mandatory rule of law requires a refund.

How to ask. Write to contact@econobeats.com or use the contact form on the site, stating the payment concerned. If the request does not come from the e-mail address of your account, we may ask you to confirm it from that address, only so that we know it is you. Requests are handled manually, and the refund is made through Stripe to the payment means used for the payment, with no fee, without undue delay and within any time limit set by law. How cancellation, renewals, plan changes and failed payments work is summarised on the Cancellation policy page.

9. The statutory right of withdrawal (consumers)

The general rule and the exception for digital content. A consumer who concludes a contract at a distance generally has 14 days to withdraw from it, without giving any reason. For digital content that is not supplied on a tangible medium, art. 16 letter m) of Government Emergency Ordinance no. 34/2014 provides an exception: the consumer loses the right of withdrawal once supply has begun, where supply began with the consumer's prior express consent, the consumer acknowledged that they thereby lose the right of withdrawal, and the trader provided confirmation on a durable medium. Whether you are a consumer follows from the law and from the purpose for which you subscribe, not from what you selected at checkout.

How this applies to EconoBeats. A subscription gives access to digital content that is not supplied on a tangible medium — the dashboard and its indicators, the model allocation, the reports, the newsletter, the guides and the courses — and access starts immediately after your payment is confirmed. At checkout, separately from your acceptance of these Terms, you tick a box, which is not pre-ticked, by which you expressly request immediate access to the platform and acknowledge that, once access starts, you lose your right of withdrawal (the exact text is set out in section 4). You cannot place the order without ticking it. We store your request and your acknowledgment, with the date and time you gave them, with the Stripe payment session, and the contract confirmation we send to the e-mail address of your account confirms them. As a result, once access has started you no longer have a right of withdrawal, except in the situation described below. You can still cancel at any time, with effect at the end of the paid period (section 7), and you keep the legal guarantee of conformity (section 13) and the other rights described in section 8.

Renewals do not open a new withdrawal period. The right of withdrawal arises once, when the contract is concluded with your first subscription payment. An automatic renewal on unchanged terms continues the same contract: it does not open a new 14-day withdrawal period, and renewal payments are not refunded. You can cancel at any time from your Account page, so that the next renewal does not take place (see section 7). If we change the price, we tell you by e-mail at least 30 days before the new price applies, and you can cancel before it takes effect (see section 5).

If the conditions for losing the right are not met. If we cannot prove that you gave the express request and the acknowledgment described above, or if we did not send you the confirmation described in section 4, you keep the right of withdrawal for 14 days from the day the contract was concluded, and if you withdraw you owe nothing for the access you had. To withdraw, any unequivocal statement is enough, sent by any means — for example an e-mail to contact@econobeats.com, a message through the contact form on the site, or the model form below, which you are not obliged to use. We confirm receipt by e-mail and reimburse the amount you paid without undue delay and in any event within 14 days from the day we are informed of your withdrawal, using the same means of payment you used, unless you expressly agree otherwise, and with no fee.

Model withdrawal form (only for the situation described in the previous paragraph; you are not obliged to use it). Copy the lines below into an e-mail, or print, complete and sign them:

To BARBU ROBERT-FLORIAN PERSOANĂ FIZICĂ AUTORIZATĂ, Str. Principală nr. 30, sat Delureni, comuna Valea Mare, jud. Vâlcea, Romania, e-mail contact@econobeats.com

I hereby give notice that I withdraw from my contract for the supply of the following digital content: EconoBeats subscription, plan ..........

Ordered on ..........

Name of the consumer: ..........

Address of the consumer: ..........

E-mail address of the account: ..........

Signature of the consumer (only if this form is sent on paper): ..........

Date: ..........

This section applies only to consumers. If you subscribe as a legal person or in the exercise of a profession you do not have a right of withdrawal.

10. Acceptable use

The subscription is personal. When you use the platform, you agree not to:

• share your account, your password or your access with anyone else, or let the same account be used by more than one person;
• copy, publish, forward, post, resell, licence or otherwise make available to others the reports, the indicator values, the Actionable Layer weights, the charts, the guides or the course material, in whole or in substantial part, whether for payment or free of charge; short quotations with attribution and a link to the source page are allowed;
• extract content automatically, by scraping, crawling, bulk downloading or any similar means, or run scripts, bots or automated tools on the platform;
• circumvent or attempt to circumvent the access controls, the rate limits or the anti-bot verification, or reach member content without an active subscription;
• use the content to build or feed a competing product or service, or to train machine-learning models;
• use the indicators or the model allocation as a reference for determining any amount payable under a financial instrument or a financial contract, or for measuring the performance of an investment fund; any such use requires our prior written licence;
• affect the security, integrity or availability of the platform, or use the contact form, the newsletter form or any other form on the site to send unsolicited or unlawful messages.

If you breach this section, we first tell you what the problem is and give you a reasonable opportunity to stop and to reply, unless the breach is clear and serious — republishing the reports or reselling access, for example — in which case we may suspend access at once. Depending on the seriousness of the breach we may then suspend your access, or end the subscription and close the account. If we end a subscription for a breach of this section, we refund the unused part of the paid period. Where the breach causes us damage, we claim compensation for it separately, under the general law, instead of keeping the price of a period you can no longer use.

11. Intellectual property

The platform and what we publish on it — the composite indicators and the way they are constructed and presented, the Actionable Layer, our reports, the newsletter, the guides and courses, the texts, the charts, the design, the source code, and the EconoBeats name and logo — belong to us or to our licensors and are protected by copyright and by the other applicable rights.

Reports produced by third parties, which we make available in the library, belong to the party that produced them. They carry their source, they are made available under the terms that party sets, and nothing in these Terms transfers to you any right in them.

The raw data come from public sources — among them FRED, OECD, NBER, CBOE and CFTC — and from the other sources named in each report; they belong to those sources, whose own terms apply to the raw data. What is ours is the composition, the computation and the presentation.

For as long as your subscription is active, we grant you a limited, personal, non-exclusive, non-transferable and revocable right to access the content and use it for your own information and, if you subscribe as a professional, for the internal use of your own organisation. No other right is granted, expressly or by implication. This right ends when the subscription ends.

12. Research content, not investment advice

Everything published on EconoBeats is research and educational content.

• Nothing on the platform is investment advice, a personal recommendation, an offer or a solicitation to buy, sell or hold any financial instrument.
• We give no personal recommendations. Nothing we publish is presented as being suitable for you, and nothing takes account of your financial situation, your objectives, your knowledge, your experience or your risk tolerance. We do not answer individual questions about what to buy, sell or hold.
• The Actionable Layer is a model output, not advice for you. The weights it shows by asset class and by industry are computed from the indicator readings for the region you selected, by the same method for everyone. They are general and identical for every subscriber who selects that region, we make no assessment of whether they suit you, and they are not a personal recommendation, an offer or a solicitation. The Actionable Layer describes what our model implies; it does not tell you what belongs in your portfolio.
• Reports that discuss a company, a sector or an instrument, including any valuation or fair-value figure they contain, are research published on the same terms to the whole subscriber base. They are not personal recommendations and they take no account of your circumstances.
• We are not an investment firm, we provide no investment services or activities, and we are not authorised or supervised by the Financial Supervisory Authority (ASF) or by any other financial markets regulator.
• The indicators are computed from public data using fixed formulas. They are not produced by any machine-learning model and they are not predictions. They describe historical relationships that may not repeat. Past performance is not a reliable indicator of future results.
• Every figure carries the date it refers to. Readings can change when the sources revise their data.

The decisions you take after reading our content are your own, and so are their consequences. Before taking an investment decision, consider obtaining an opinion from a person authorised to provide it. The full text is on the Disclaimer page.

13. Availability, changes to the service, updates, and the legal guarantee of conformity

We work to keep the platform available and correct, but we do not guarantee that it will run without interruption or free of errors. Access may be interrupted for maintenance, for technical reasons, or because of a failure at one of the providers we depend on. Because the indicators are built from public data, a delay, a revision or the discontinuation of a public series can delay or change what you see.

We may add, change or withdraw features, indicators and content, and we may change the way an indicator or the model allocation is computed. If a change substantially reduces what your subscription includes, we inform you at the e-mail address of your account before it applies; you can then cancel, and if you cancel for that reason we refund the part of the paid period you can no longer use.

Updates. The platform is a hosted service: there is nothing for you to install, and we apply updates, corrections and security fixes centrally, for all users. We provide them for the whole duration of your subscription, including each renewal, for as long as we offer the service — and in any event for the paid period in progress.

Legal guarantee of conformity. If you are a consumer, you benefit from the legal guarantee of conformity for digital content and digital services provided by Romanian law (Government Emergency Ordinance no. 141/2021, which transposes Directive (EU) 2019/770). We remind you of the existence of this guarantee here as part of the information you receive before concluding the contract. If the platform does not conform to the contract, you can ask us to bring it into conformity and, in the cases and under the conditions set by that law, obtain a price reduction or terminate the contract, with the reimbursement provided by that law. This guarantee costs you nothing, and it is affected neither by the rule that payments are non-refundable (section 8) nor by the loss of the right of withdrawal at checkout (section 9). To rely on it, write to contact@econobeats.com describing what is not working.

14. Our liability

We answer for the non-performance of this contract in accordance with Romanian law. Nothing in these Terms limits or excludes the rights you have as a consumer under mandatory law, our liability under the legal guarantee of conformity, or our liability for damage caused intentionally or by gross negligence, or for harm to life or to physical integrity.

Within those limits:

• we are not liable for the investment, financial or business decisions you take on the basis of our content, nor for losses, lost profits or missed opportunities resulting from those decisions; our content is information, not advice;
• we are not liable for errors, delays, revisions or the discontinuation of the data published by the public sources we use; this does not affect the legal guarantee of conformity described in section 13;
• we are not liable for interruptions or failures that are not attributable to us, including failures of your internet connection or of your devices, and events of force majeure.

We choose the providers we use for hosting, database, payments, e-mail and DNS, and we answer for the service we deliver with their help. A failure at one of them does not affect your rights under the legal guarantee of conformity in section 13, nor the refund provided in section 13 where such a failure substantially reduces what your subscription includes.

If you subscribe as a legal person or in the exercise of a profession, we are not liable for failures at those providers, and our total liability towards you, for all claims arising from the contract, is limited to the amounts you paid us in the 12 months before the event giving rise to the claim. This limitation does not apply to consumers.

15. Personal data, cookies and the newsletter

We process personal data as described in the Privacy Policy, which forms part of the information you receive before concluding the contract and explains what data we use, on what legal basis, who processes it on our behalf and for how long we keep it.

The website uses only the cookies it needs in order to work: the login cookie of our authentication provider (sb-*), which keeps you signed in and which you remove by signing out or by clearing your browser; the language cookie eb_locale; and the cookie eb_region, which remembers which regional data set you chose to view. We use no analytics, advertising or tracking cookies, and we do no profiling. The Privacy Policy states how long each of these cookies lasts.

The newsletter. The Market Outlook newsletter is part of what your subscription includes, and we send it to the e-mail address of your account on the basis of this contract. You can ask us at any time, free of charge, to stop sending it, by writing to newsletter@econobeats.com; stopping it changes nothing else about your subscription. The newsletter form in the public part of the site is a separate list, for people who do not have a subscription; that one we send on the basis of consent, which you can withdraw at any time, free of charge, by the same means.

16. Complaints and out-of-court dispute resolution

If something is wrong, write to us first at contact@econobeats.com, or use the contact form on the site, describing the problem, the e-mail address of your account and, where relevant, the payment concerned. We answer in writing, to your e-mail address, within 30 days of receiving the complaint.

If the complaint cannot be settled between us and you are a consumer, you can use out-of-court resolution before the alternative dispute resolution (SAL) entity operating within the National Authority for Consumer Protection. We are not bound by law or by any undertaking to use a particular SAL entity, and we commit to taking part in the procedure before that entity if you refer a dispute to it.

• information on alternative dispute resolution: https://anpc.ro/sal;
• the electronic platform where a complaint can be filed: https://reclamatiisal.anpc.ro;
• National Authority for Consumer Protection (ANPC): https://anpc.ro, Consumer Telephone 021 9551;
• the county office competent for our professional seat, the Vâlcea County Consumer Protection Commissariat (CJPC Vâlcea): Str. Splaiul Independenței nr. 7, bl. 8, sc. A, ap. 3, Râmnicu Vâlcea, postal code 240167, telephone 0377 755 350, e-mail secretariat.valcea@anpc.ro.

If you are a consumer resident in another Member State of the European Union, you can also identify the dispute resolution body competent for you in the list published by the European Commission: https://consumer-redress.ec.europa.eu/dispute-resolution-bodies.

Using out-of-court resolution does not deprive you of the right to go to court.

17. Governing law and competent courts

This contract is governed by Romanian law. If you are a consumer habitually resident in another Member State of the European Union, this choice does not deprive you of the protection of the mandatory consumer-protection rules of the country where you live.

Disputes are settled by the competent Romanian courts. If you are a consumer, you may also bring proceedings before the courts of the place where you are domiciled, and proceedings may be brought against you only before those courts, in accordance with the European rules on jurisdiction. If you subscribe as a legal person or in the exercise of a profession, the courts competent for our professional seat have exclusive jurisdiction.

18. Changes to these Terms

We may change these Terms — for example when the law changes, or when we change the service, the prices or the providers we work with. The version in force is always published on this page, together with its effective date.

When a change affects your rights or your obligations, we announce it to the e-mail address of your account at least 30 days before it applies. For a subscription already in progress, the change applies from the first renewal that falls at least 30 days after the e-mail announcing it; the period you have already paid for remains governed by the version you accepted. If you do not accept the change, you can cancel before that renewal: access continues to the end of the paid period and nothing further is charged.

19. Contract languages and keeping a copy

These Terms are published in English and in Romanian, and the contract can be concluded in either language. The two versions have the same content. If a difference in meaning appears between them, for consumers the version in the language in which the contract was concluded prevails.

You can save or print this page at any time. We recommend that you keep a copy of the version in force on the day you subscribed, together with the confirmation we send you by e-mail.

20. Effective date

These Terms are in force from 27 September 2026 and apply to the use of the website and of the platform, and to every subscription concluded or renewed from that date.