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Terms and Conditions — Advaflow OÜ

Draft v1.1 • Prepared 24 September 2026 • Effective date: [COMPLETE: publication/effective date]

These Terms govern purchases from and use of services supplied by Advaflow OÜ ("we", "us", "our"). The supplier identified in your order confirmation and invoice is your contracting party. A shared product name or group relationship does not make another company a party to your contract.

1. Company and contact details

Advaflow OÜ, a private limited company incorporated in Estonia.
Estonian registry code: [COMPLETE: registry code].
Registered office and postal address: Harju maakond, Tallinn, Kesklinna linnaosa, Tartu mnt 67/1-13b, 10115, Estonia.
VAT number: [COMPLETE: VAT number or state not VAT registered].
Customer support and complaints: contactus@advaflow.eu.
Telephone: [COMPLETE: business telephone].
Privacy contact: contactus@advaflow.eu (subject: Privacy).
Covered websites and products: advaflow.eu and the Advaflow services expressly offered there.

2. Services and customers

We offer personal and professional development, process and relationship improvement services, self-assessment and personality-analysis tools, educational materials and development plans. Depending on the actual offer, services may comprise automated AI analyses, human-reviewed or hybrid analyses, live coaching and subscriptions. Interactive AI coaching applications are covered only once expressly launched and offered for purchase; describing a possible future service does not make it available or part of an existing order. The product page and accepted order describe the particular service, deliverables, scope, access period, technical requirements and price. Only services expressly offered and ordered are included.

Our services may be purchased by businesses and, where offered, consumers. A consumer is a natural person acting mainly outside their trade, business or profession under applicable law. A business label or a checkbox cannot remove rights that apply to an actual consumer. Users must be at least 18 unless we expressly offer a separately documented service for minors with appropriate arrangements. Someone ordering for an organisation must have authority to bind it.

3. Orders and acceptance

Before placing an order you can review the service, price, billing frequency and these Terms and correct input errors. A paid order is submitted using a button clearly indicating an obligation to pay. An automatic receipt acknowledgement is not acceptance unless it expressly says so. A contract is formed when we send an acceptance confirmation by email. If we cannot accept an order, we explain this and promptly refund any amount collected for it.

We send an email confirming the accepted order, the price and any subscription arrangements, the applicable Terms as a complete text or attached document, and required withdrawal information and the model form. Where relevant, it also confirms your request for early service performance or express consent and acknowledgement concerning immediate digital-content supply. The email and attachments let you retain the information unchanged; a link to a webpage we can later amend does not replace that confirmation. The contract language is the language identified at checkout. We retain transaction records as described in our Privacy Policy; you should also save the confirmation. A product page update does not retrospectively change an accepted order.

Individually agreed terms prevail over these Terms to the extent of a conflict, subject always to mandatory law. A data processing agreement controls personal data processed on a customer's instructions. The Privacy Policy is a transparency notice; accepting these Terms is not blanket consent to personal data processing or marketing.

4. Prices, VAT and payment

The checkout states the currency, total payable price, taxes, billing interval and any additional charges before you commit. Consumer prices include applicable VAT and unavoidable charges. A price displayed exclusively to business customers may exclude VAT if clearly labelled, with the total and applicable tax treatment shown before ordering. Reverse-charge treatment is used only where legally applicable. Your bank may apply its own disclosed currency conversion charges.

Payments are handled by [COMPLETE: payment provider(s) and their legal entities]. We receive payment confirmations and limited transaction information; full card numbers and security codes are submitted directly to the payment provider where hosted checkout is used. We remain responsible for our obligations as seller. Recurring charges require a disclosed subscription and payment authorisation. No optional paid extras are preselected.

For a failed payment, we notify you and allow a reasonable opportunity to resolve it before proportionate suspension, unless immediate action is legally required or necessary to stop fraud. We do not replace an accepted price with a higher price without agreement. An obvious pricing error is handled under applicable law, with a refund if no valid contract is completed.

5. Delivery, availability and technical requirements

Digital content is supplied through the email, download link or account stated in your order; software services are supplied by enabling the agreed functionality. The delivery date or commencement date and any dependencies on your input are stated before purchase. Sending a broken link or unusable credentials does not constitute successful supply. Contact us if you cannot access your purchase.

Supported formats, browsers, compatibility, interoperability and material technical restrictions are described on the relevant product page. You need the disclosed compatible equipment and internet access. We provide the security and other updates required by the contract and law, and explain how to install any update requiring your action. Planned maintenance will be notified where practicable. Any additional uptime or support commitments require an expressly agreed service level.

6. Subscriptions, renewal and cancellation

Before purchase, the checkout identifies any trial, its duration, the charge and date after the trial, the billing interval, the initial term and whether renewal is automatic. A subscription does not renew automatically unless this was clearly disclosed and agreed. Unless a different lawful cancellation deadline is expressly agreed, you can prevent the next renewal by cancelling at any time before it occurs through your account or by contacting customer support. We confirm cancellation in a durable medium.

Cancellation of renewal normally leaves access available until the end of the paid period. There is no general pro-rata refund solely for deciding to stop using a correctly supplied service midway through a paid period; withdrawal, defect, termination and other mandatory refund rights remain intact. We give at least 30 days' advance notice of renewal price increases; if a renewal falls sooner, the previous price applies to that renewal. You may cancel before an increase takes effect. We send renewal reminders where required by applicable law.

7. Consumer withdrawal

If you are a consumer entering a distance contract, you normally have 14 days from contract conclusion to withdraw without giving a reason. Send a clear withdrawal statement to the customer service email or postal address in section 1, or use the online withdrawal function at [COMPLETE: working withdrawal-function URL]. Sending the notice before the deadline is sufficient. You may use the model form below but do not have to. If mandatory withdrawal information was omitted, the withdrawal period is extended as provided by law, potentially by up to 12 months.

We reimburse payments due following withdrawal without undue delay and within 14 days after receiving your notice, using the original payment method unless you expressly agree otherwise, without a reimbursement fee.

Downloaded or otherwise supplied digital content

For digital content not supplied on a tangible medium, you lose the withdrawal right only once supply begins after your prior express consent to supply during the withdrawal period and your acknowledgement that this causes loss of that right, with the required contract confirmation supplied on a durable medium. These declarations are collected separately and are not inferred from acceptance of these Terms. A report being tailored to your request does not by itself remove the withdrawal right.

Services, including ongoing digital services and coaching

If you expressly request a service to start during the withdrawal period and then withdraw, you pay only the proportionate amount for service actually supplied up to your notice, where the legal conditions and prior information requirements are met. For a paid service, the withdrawal right ends on full performance only after your prior express consent to start and acknowledgement that full performance ends the right. Merely opening a SaaS account or starting a subscription does not mean the entire service has been fully performed. If the conditions for charging or losing the right are not met, your statutory rights remain.

Model withdrawal form

To: Advaflow OÜ, Harju maakond, Tallinn, Kesklinna linnaosa, Tartu mnt 67/1-13b, 10115, Estonia; contactus@advaflow.eu.
I/We hereby give notice that I/We withdraw from my/our contract for the supply of the following digital content/service: __________.
Ordered on / contract concluded on: __________.
Order reference (if available): __________.
Name of consumer(s): __________.
Address of consumer(s): __________.
Signature of consumer(s), only if this form is submitted on paper: __________.
Date: __________.
Delete whichever does not apply.

8. Defects, non-supply and refunds

We are responsible for supplying services and digital content that meet the contract and applicable legal requirements. If a product is not supplied or is defective, contact support with your order reference and a description. We will investigate and provide the remedies required by law, which may include supply, correction without charge, a price reduction or termination and reimbursement. Correction must take place within a reasonable time and without significant inconvenience. A consumer may have an immediate right to terminate in cases provided by law. We do not impose a blanket "all sales final" rule.

For consumer digital content and services, mandatory conformity rights, evidential rules and applicable liability periods apply, including for continuous supply throughout the agreed supply period. This section does not shorten any statutory claim period. Refunds owed for a consumer digital-content or digital-service price reduction or termination are made within the legally required period, normally no later than 14 days after we are informed of the relevant decision. After termination we provide retrieval of eligible user-created non-personal content where required by law, without charge, within a reasonable time and in a commonly used machine-readable format.

A business customer has no general statutory consumer cooling-off right. Any agreed commercial cancellation policy and the applicable remedies for breach remain available. Duplicate charges and payments for orders we reject are refunded.

9. Licence and intellectual property

Subject to payment and these Terms, you receive a non-exclusive licence for the named individual's own personal and professional development, or internal use by the purchasing organisation within its purchased user allowance. An organisation's purchase does not itself give access to an individual's private responses or analysis. Downloaded reports and materials may be retained for the licensed use after the subscription ends unless the order clearly states a lawful time-limited licence. Platform access lasts for the purchased term. We do not arbitrarily revoke a fully paid licence.

You may not resell our reports or software, publish paid materials for unrestricted access, share account credentials beyond the purchased allowance, remove rights notices, or use our materials to build a competing commercial dataset without permission. Statutory exceptions, including any mandatory software interoperability rights, remain unaffected. Third-party materials remain subject to their identified rights and applicable licences.

You retain rights in the materials you submit. You grant us only the rights needed to host, process and use them to deliver and support the agreed service. You must have authority to provide those materials. Our software, branding, templates and original materials remain ours or our licensors'. For a service sold to create publishable communications or other customer outputs, you may use, adapt and publish the delivered outputs for the purpose described in the order, subject to third-party rights; this does not grant ownership of underlying software or templates. AI outputs may not be unique or qualify for exclusive copyright.

10. Account security and acceptable use

Keep credentials secure and notify us promptly of suspected compromise. You are responsible for authorised users you manage, but not for losses caused by our own failure to meet our obligations. Do not introduce malware, bypass security, access others' information, infringe rights, send unlawful marketing or use the service for unlawful discrimination, manipulation or other illegal activity.

Do not submit unnecessary personal data, confidential third-party materials without authority, or special-category data to a feature not expressly designed and approved for it. Any automated access must comply with the purchased interface permissions. Restrictions do not override mandatory legal rights.

11. Assessments, development plans and coaching

Our services support voluntary reflection, learning, goal setting and process or relationship improvement. A personality analysis interprets the answers and context you provide; it is not an objective or definitive judgement of your character, capabilities or future. The relevant product page identifies the assessment approach and any claimed validation. We do not present an interpretive framework as a clinically validated diagnostic test without an appropriate basis.

The service is not medical care, psychotherapy, psychological diagnosis, emergency support or a substitute for a qualified professional. It does not diagnose or treat mental-health conditions. Recommendations are options to consider, not instructions you must follow. No particular personal, relationship, employment, financial or business outcome is guaranteed. These descriptions do not reduce our obligation to deliver the service promised in your order.

The order identifies whether a deliverable is automated, individually human-reviewed, prepared jointly by a professional and AI, or provided in a live human session. Human involvement is included only where expressly described. A human-reviewed result does not mean that a professional monitors every interaction or is continuously available.

For live sessions, the order specifies duration, format, professional involvement and any package expiry. Unless a more favourable policy is stated before purchase, you may reschedule or cancel without charge with at least 24 hours' notice. A shorter-notice cancellation or missed appointment may lead to a reasonable charge reflecting our actual net loss, accounting for saved costs and replacement bookings, capped at the session price. Statutory withdrawal rights take priority. If we cancel, you may choose a replacement or a refund for the cancelled session; mandatory rights concerning the remainder of a package are preserved.

We treat personal sessions and private assessments as confidential subject to the Privacy Policy and applicable law. Live sessions are not recorded or transcribed by default; any recording has a separate prior arrangement and notice. Text entered into an AI feature is processed as described in the Privacy Policy and is not the same as a recorded live session. Participants in group sessions must protect each other's privacy; we cannot guarantee another participant's conduct outside the service.

An employer or other sponsor does not automatically receive private answers, conversation content or individual analyses. Any reporting arrangement is explained to the participant before collection. These services are not supplied for screening job candidates, deciding promotions or dismissals, determining admission to education, creditworthiness or other decisions with legal or similarly significant effects on a person.

12. Automated AI features and their limits

AI can interpret questionnaire answers, identify patterns and generate personality descriptions, development plans and conversational suggestions. Automated features may deliver results without individual human review. They are labelled in the product description and interface; for an interactive AI feature, users are informed at the start that they are communicating with AI. An AI assistant is not presented as a human coach.

When offered, AI coaching provides automated responses and is not continuously monitored by a human. Sending a message does not alert a professional or emergency service. If you face immediate danger or a medical or psychological emergency, use local emergency or qualified professional services rather than relying on the application. Customer support handles service issues; it is not an emergency counselling channel.

AI can misunderstand context or produce inaccurate, inconsistent or biased suggestions. You can disagree with a result, correct your inputs and report a concern through customer support. We review reported service problems and provide any contractual or statutory remedy due; reporting an issue does not imply a live professional review of every response. We do not promise that use of a particular model makes a conclusion correct.

We may use models from OpenAI, Anthropic and Google, and selected Qwen or DeepSeek models, through the service operators disclosed in the Privacy Policy. Identity and billing information are separated from AI-processing inputs. Reduced or pseudonymised information is not represented as fully anonymous where it can still be linked to an individual.

Where applicable to the feature and our legal role, we implement required AI disclosure and output-marking measures. We support appropriate AI literacy for people operating the service. Accepting these Terms does not waive data protection rights or authorise unlawful manipulation, discriminatory scoring or prohibited AI practices.

13. Confidentiality and personal data

You retain rights in your private responses and materials. We use them only as needed for the agreed service and the purposes explained in our Privacy Policy. Access is limited to authorised people and contracted services with a relevant need. Confidentiality does not cover information already lawfully public, independently developed or lawfully obtained elsewhere; legally compelled disclosures are limited as required.

For AI features, the workflow separates account identity and billing from the content submitted for analysis, removes direct identifiers and minimises unnecessary context before external processing. Individual development information can nevertheless remain personal data. These Terms do not create blanket consent to sensitive-data processing, optional marketing, recording or model training.

We do not use private customer conversations, questionnaire answers or profiles to train general-purpose models, and authorised providers must be configured and contractually restricted consistently with that service commitment. Model and processing arrangements must be disclosed before the relevant feature is enabled. A no-training restriction is separate from operational retention or security logging described in the Privacy Policy.

Where a business customer determines the purposes of a distinct processing activity and we process solely on its instructions, an Article 28 GDPR data processing agreement must be in place before that activity. These Terms and the Privacy Policy do not replace it. Funding a participant's coaching does not automatically make every part of that service processing solely on the employer's instructions.

14. Suspension, termination and service changes

We may proportionately restrict access for a material breach, overdue undisputed payment, a serious security risk or a legal requirement. Where practicable, we give reasons, notice and an opportunity to remedy the issue. Immediate restriction is limited to situations where delay would create a material risk or breach the law. You may challenge a restriction through support.

You may terminate for our material breach in accordance with applicable law. If we discontinue a paid service without customer breach, we refund the unused prepaid portion and provide a reasonable opportunity to export available customer content, subject to security and legal constraints. Termination does not erase payment, confidentiality or other rights that properly survive it.

Beyond changes needed to maintain conformity, we may modify a continuously supplied consumer digital service only for a valid reason specified here: a change in law, a demonstrable security need, essential technical compatibility or a necessary adaptation to third-party infrastructure. Such changes are made without additional cost and explained clearly. Where a change adversely affects access or use beyond a minor degree, we give advance notice on a durable medium of its nature, timing and the right to terminate free of charge within 30 days of the notice or change, whichever is later, unless we allow retention of the unchanged conforming version without additional cost. Mandatory rights take priority.

15. Liability

Nothing in these Terms excludes mandatory consumer remedies, compensation rights under data protection law, liability for fraud or deliberate wrongdoing, liability that cannot lawfully be limited for gross negligence or harm to life or health, or any other liability that cannot lawfully be excluded or limited.

Business customers only: subject to the preceding paragraph and to the extent a limitation is lawful and reasonable, our aggregate liability for ordinary negligence under the affected contract is limited to the fees paid or payable for the affected service in the 12 months before the event giving rise to the claim. We are not liable to business customers for indirect or consequential commercial losses to the extent their exclusion is lawful. These limitations do not apply where they would unreasonably deprive you of the essential benefit of the contract.

Consumers: the business cap and business exclusions do not apply. Our liability is determined by applicable law. No "as is" statement removes your right to a conforming product or service.

16. Complaints and dispute resolution

Send complaints to the customer service contact in section 1. We respond to consumer complaints in writing within 15 days; if a justified delay is unavoidable, we explain the reason and proposed response date without restricting your legal rights.

Consumers resident in Estonia may refer an unresolved eligible dispute to the Estonian Consumer Disputes Committee. For cross-border disputes, contact your local European Consumer Centre. ADR availability and competence depend on your circumstances; this does not restrict access to a court. The former EU Online Dispute Resolution platform is no longer available.

17. Governing law and courts

Estonian law governs the contract. If you are a consumer, this choice does not deprive you of mandatory protection available under the law of your habitual residence where applicable, including where we direct activities to your country. Consumer jurisdiction is governed by mandatory rules; where those rules apply, you may bring proceedings in your home courts and we may sue you only in the courts permitted by those rules.

For business customers, the competent courts of Estonia have exclusive jurisdiction unless a separate written agreement provides otherwise.

18. Changes and general provisions

The version accepted for your order governs that order. We give at least 30 days' advance notice on a durable medium of proposed material changes affecting an ongoing contract, explain their reason and any right to reject or terminate before they take effect, and obtain agreement where required. Posting new Terms or mere continued use is not a substitute for consent required by law. Changes do not retrospectively remove accrued rights.

If a provision is unenforceable, the remaining provisions continue so far as lawful. We do not replace an unfair consumer term with another term that preserves its unfair effect. Failure to enforce a right is not a waiver. We may not transfer the contract in a way that reduces mandatory consumer protection. Contact details are set out in section 1.