1. Introduction
These Terms of Service govern your access to and use of the Nikos Trading Academy website and any educational content, materials, services or other resources made available through the website. The website Nikos Trading Academy is operated by Tomasz Kowalski. By accessing or using this website, you agree to be bound by these Terms of Service. If you do not agree with these Terms, please do not use the website.
2. Educational Purpose
Nikos Trading Academy provides educational and informational content relating to financial markets and trading. The content available on this website is provided for general educational and informational purposes only. It is not intended to provide personalised investment, financial, legal or tax advice. Nothing on this website should be understood as a recommendation or instruction to buy, sell or otherwise trade any financial instrument. You are responsible for evaluating whether any information or educational material is appropriate for your own circumstances and risk tolerance. For further information regarding the educational nature of the website and the risks associated with trading, please refer to our Disclaimer.
3. Financial Market Risk
Trading financial markets involves substantial risk and may result in the loss of some or all of your capital. Financial instruments may involve leverage, which can significantly increase both potential gains and potential losses. You should not trade with money you cannot afford to lose. Past performance, examples, hypothetical results or historical market information are not indicative of future results. You should obtain independent professional advice where appropriate before making any financial or trading decision.
4. Information on the Website
We make reasonable efforts to ensure that the information provided on this website is accurate and up to date. However, we do not guarantee that all information is complete, accurate, current or free from errors. Market information, prices, charts, examples, analysis and other content may become outdated or may contain inaccuracies. Nikos Trading Academy does not guarantee any particular trading results, level of profitability or financial outcome from the use of any information or educational material provided through the website.
5. No Investment or Financial Advice
Nothing contained on this website constitutes personalised investment advice, financial advice, portfolio management, investment management or a recommendation to enter into any particular transaction. Any discussion of trading strategies, market conditions, financial instruments or trading techniques is provided solely for educational and informational purposes. You remain solely responsible for your own trading and investment decisions.
6. User Responsibilities
By using this website, you agree:
- to use the website only for lawful purposes;
- not to use the website in a way that could damage, disable, overburden or impair its operation;
- not to attempt to gain unauthorised access to the website or its systems;
- not to reproduce, distribute, publish or commercially exploit website content without permission;
- not to use the website or its content for fraudulent, unlawful or abusive purposes; and
- to comply with all applicable laws and regulations when using the website.
7. Intellectual Property
Unless otherwise stated, the content of this website, including text, graphics, logos, images, videos, educational materials, design elements and other original content, is owned by or licensed to Tomasz Kowalski / Nikos Trading Academy and is protected by applicable intellectual property laws. You may access and use the content for your personal, non-commercial educational purposes. You may not copy, reproduce, modify, distribute, publish, sell, license, transmit or commercially exploit any website content without prior written permission, except where permitted by applicable law.
8. Third-Party Websites and Services
This website may contain links to third-party websites, platforms or services. Such links are provided for convenience or informational purposes only. Nikos Trading Academy does not control and is not responsible for the content, availability, security, privacy practices or terms of any third-party website or service. Your use of third-party websites and services is subject to their respective terms and policies.
9. Third-Party Information and Affiliations
From time to time, the website may contain references to third-party companies, platforms, brokers, exchanges, financial services or other providers. The inclusion of any such reference does not constitute an endorsement, recommendation or guarantee of any third-party service unless expressly stated otherwise. Where applicable, any commercial or affiliate relationship will be disclosed in accordance with applicable requirements. Users should conduct their own research before using any third-party service.
10. Availability of the Website
We aim to keep the website available and operational, but we do not guarantee that the website or any particular content or service will always be available, uninterrupted, secure or error-free. We may modify, suspend or discontinue any part of the website or its content at any time where reasonably necessary, including for maintenance, technical reasons or changes to our services.
11. Refunds and Cancellations
Due to the digital nature of our educational materials and the immediate access provided after purchase, payments are generally non-refundable once access to the content has been provided. Where permitted by applicable law, by requesting immediate access to digital content, you acknowledge that you may lose your statutory right of withdrawal. Nothing in these Terms limits any mandatory consumer rights that cannot legally be waived.
12. Limitation of Liability
To the maximum extent permitted by applicable law, Tomasz Kowalski and Nikos Trading Academy shall not be liable for any loss or damage arising from or in connection with:
- your use of or reliance on information provided through the website;
- trading or investment decisions made by you;
- financial losses resulting from trading or investing;
- interruptions, errors or unavailability of the website;
- reliance on third-party information, websites or services; or
- any unauthorised access to or use of the website or its content.
Nothing in these Terms excludes or limits liability where such exclusion or limitation is not permitted under applicable law.
13. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless Tomasz Kowalski and Nikos Trading Academy from claims, liabilities, losses, damages, costs or expenses arising from your unlawful use of the website, your violation of these Terms or your infringement of the rights of another person.
14. Privacy
The processing of personal data in connection with your use of this website is governed by our Privacy Policy. By using the website, you acknowledge that you have read the Privacy Policy and understand how personal data may be processed as described there.
15. Changes to These Terms
We may update these Terms of Service from time to time to reflect changes to the website, our services, applicable law or our business practices. The updated version will be published on this page. Your continued use of the website after updated Terms have been published constitutes acceptance of the revised Terms, to the extent permitted by applicable law.
16. Governing Law
These Terms of Service shall be governed by and interpreted in accordance with the laws of Poland, without regard to its conflict of law principles. Nothing in these Terms is intended to limit any mandatory rights or protections available to consumers under applicable law.
17. Severability
If any provision of these Terms is found to be invalid, unlawful or unenforceable, the remaining provisions shall continue in full force and effect to the extent permitted by applicable law.
18. Contact
If you have any questions regarding these Terms of Service, please contact:
Nikos Trading Academy
operated by Tomasz Kowalski
Email: info@nikostradingacademy.com
19. Entire Agreement
These Terms of Service, together with the Privacy Policy and Disclaimer published on this website, constitute the terms governing your use of the website, except where additional terms apply to specific services or purchases. Where specific terms apply to a particular service or purchase, those terms will be provided separately where required.