These terms and conditions set out the terms on which Startup Finance Simulator offers to supply to you products advertised on this website.

All references in these terms of use and conditions of sale to the “website” or “Website” refer to this website; to “we”, “us”, “our”, and “Startup Finance Simulator” refer to Startup Finance Simulator, managed by Cedric Maloux; and to “you” and “your” are to you, the user / buyer; the “Product(s)” refers to any material you download from the Website, the “Service(s)” refers to any written and recorded video material on the website, educational courses, guides and tutorials, live chat advice, email advice, and consulting services.

This Website is designed for you — please read these terms and conditions as they protect your interest, and if you have any comments, problems or any questions regarding our Website and/or products and services featured, please get in touch with us.

By using or accessing our Website and/or placing any order(s), you agree to be legally bound by these terms and conditions.

### Use of our Website
Every effort is made to ensure the complete accuracy of the content on the website, including the description of our products; however, errors may occur. We make a good faith effort to display the structure and design of the financial models on the website through photos and videos as best as we can.

The content of the pages of this website is meant to be illustrative and is for your general information and use only. It is subject to change without notice. Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness, or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors, and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by European law.

### Use of the Products
The Products and Services have been designed for your use to estimate and project your financials for your business idea. They include some benchmark data and structure to help you create your projections, but you will need to modify the assumptions and structure to fit your business. We do not accept any liability for damages in using the Products or Services.

### We are not Financial Advisors
We provide information designed to educate and inform entrepreneurs. We and our Products and Services are not intended to provide legal, tax, or financial advice. We are not financial planners, brokers, or tax advisors. Your financial situation is unique, and you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual situation.

### Pricing and Payment Details
All prices quoted are in Euros and are inclusive of tax (as applicable), except for VAT. VAT is charged according to Czech law and is additional to the listed price. Prices may change at any time but will not affect orders which have already been shipped. If a pricing error is obvious and unmistakable and could have reasonably been recognized by you as a mispricing, we are under no obligation to provide the product at the incorrect (lower) price.

### Processing your Order
Our products are offered for sale subject to availability and our acceptance of your order, which we reserve the right to reject without reason. A refund will be given for all rejected orders.

After you have placed an order with us for the purchase of products, you will receive an e-mail confirming the transaction of your order. Orders normally ship immediately. If for some reason you have not received your product, please let us know. Email us at:

### Returns, Refunds, and Exchanges
We cannot accept returns for any reason. We do not offer refunds. In select cases, we do offer exchanges to replace a model you purchased for a model up to the same price. If you have any questions about the applicability of the models for your business or questions about the models, email us before purchase at

### License
The license agreement for Products and Services we provide is here.

### Intellectual Property Rights
We retain all right, title, and interest in and to the products, including all related intellectual property rights. You may not violate our intellectual property rights as detailed in this agreement.

### Disclaimer
Our Products and Services are provided “AS IS.” We DISCLAIM any warranties of MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, to the fullest extent permitted by European law. Your use of our Product and Services is at your own risk.

### Indemnification
You shall defend, indemnify, and hold us and our management, including Cedric Maloux, harmless from and against all claims and liabilities arising out of or related to this Agreement or your use of the Products and Services.

### Third Party Websites
We may provide links on our website to the websites of other companies. Any products provided by Startup Finance Simulator but purchased through third party websites are legally bound by the terms and conditions referring to the usage of the models. We do not match prices across websites, and certain discounts or coupons may not be applicable on third-party websites.

### Privacy
Your privacy is important to us – please see our full privacy policy here to understand how we protect your personal information.

### Children’s Use of the Website
We are committed to protecting the privacy of minors and do not sell products for purchase by children under the age of 18. If minors under the age of 18 have been purchasing through our website, their personal information will be removed from our records.

### Notices and Complaints
All notices given by you to us should be sent to Startup Finance Simulator by email to

### Jurisdiction
These terms and conditions shall be governed by, and construed in accordance with, the laws of Czechia. Disputes arising herefrom shall be exclusively subject to the jurisdiction of Czech courts.

### Entire Agreement
These terms and conditions, our privacy policy, license agreement, and any document expressly referred to in them represent the entire agreement between us in relation to the subject matter of any contract and supersede any prior agreement, understanding, or arrangement between you and us, whether oral or in writing.