Terms & Conditions (T&Cs) – Thomas Markets 1:1 Trading Coaching

(Contract Language: English)
Convenience Translation Notice
Any translations (e.g., German) are provided for convenience only. In the event of any inconsistency, the English version prevails. Mandatory consumer protection laws remain unaffected.

1 Provider:
Kostas Thomas
Thomas Markets
Aggelou Metaxa 37, 16674 Glyfada, Athens, Greece
Email: hello@thomasmarkets.com
Website: thomasmarkets.com
Sole Proprietorship – Ατομική Επιχείρηση
AFM / Tax ID: 180462898
VAT ID: EL180462898
G.E.MI.: 191097403000.
(the “Provider”)

2 Scope of Application
2.1 These Master Terms & Conditions (“Terms”) apply to all contracts between the Provider and the customer (“Customer”) for educational and training products and services of Thomas Markets, in particular:
(a) 1:1 trading coaching;
(b) live workshops/webinars/seminars (date-specific group formats);
(c) digital products (e.g., PDFs, playbooks, templates, tools);
(d) online courses/memberships (video self-study access);
(e) newsletters (free; paid subscriptions may be handled via third-party platforms such as Substack, whose terms apply in addition).
2.2 Customer terms and conditions apply only if the Provider expressly agrees to them in text form.
2.3 “Consumer” means any natural person who enters into the contract for purposes that are predominantly outside that person’s trade, business, craft, or profession. “Business Customer” means a natural or legal person, or a partnership with legal capacity, who enters into the contract in the exercise of its trade, business, craft, or profession.

3 Subject Matter of the Contract; No Guaranteed Outcome
3.1 The subject matter of the contract is the educational/training service or digital product booked by the Customer as described on the website, in the offer, booking confirmation, or (for 1:1 coaching) in a separate coaching agreement (“Coaching Agreement”).
3.2 The Provider owes only the agreed performance of the services. No specific outcome or success is owed or guaranteed (e.g., trading performance or profits).

4 No Investment Advice; No Recommendations; Risk Disclosure
4.1 The Provider’s products and services are education/training only. They do not constitute investment advice, financial analysis in a regulatory sense, an individual recommendation, or a solicitation to buy or sell any financial instrument.
4.2 The Provider does not assess the Customer’s individual financial circumstances for suitability/appropriateness. The Customer makes all decisions independently and at their own risk.
4.3 Trading in financial instruments (e.g., stocks, ETFs, derivatives, leveraged products, FX) involves significant risks and may result in total loss. Past performance is not a reliable indicator of future results.
4.4 No returns, profits, or specific results are promised or guaranteed.

5 Contract Formation; Invoicing; Contract Language
5.1 Information on the Provider’s website does not constitute a binding offer.
5.2 A contract is formed when the Customer accepts the offer/booking in text form (e.g., email) and the Provider confirms acceptance or allocates a place in text form. For 1:1 coaching, the contract may additionally/alternatively be formed by a signed Coaching Agreement and the Provider’s acceptance confirmation.
5.3 Depending on the product, contract formation typically occurs as follows:
(a) 1:1 coaching: Coaching Agreement + acceptance;
(b) workshops: booking inquiry/reservation + confirmation (place allocation);
(c) digital content/online access: order + confirmation, usually after receipt of payment;
(d) newsletter subscriptions may be processed via third-party platforms (their terms apply in addition).
5.4 The Provider may issue offers and invoices manually. Participation/access is generally granted only after payment has been received, unless expressly agreed otherwise.
5.5 The Customer must maintain a reachable email address.
5.6 The contract language is English. Any translations are provided for convenience only. In the event of inconsistencies, the English version prevails. Mandatory statutory rights (including consumer protection laws) remain unaffected.

6 Services; Delivery; Reasonable Changes
6.1 Live formats take place online (e.g., Google Meet/Microsoft Teams) unless otherwise agreed.
6.2 1:1 Coaching (unless otherwise agreed):
(a) 8 sessions of approx. 75 minutes each; plus
(b) 1 follow-up session of approx. 60 minutes within 3 months after session 8.
6.3 Scheduling: typically 1 session per week; deviations are possible by agreement.
6.4 Between sessions, the Provider may assign exercises/tasks to support implementation.
6.5 Email short support is provided only if expressly included in the booked package. If included, the Provider will answer 1–2 short, clearly defined questions per week by email during the coaching phase. This does not include “daily mentoring” or real-time trading support.
6.6 Workshops: scope/duration/agenda as described; no individual investment advice.
6.7 The Provider may reasonably adapt content and methodology, provided the character and core purpose of the service remain unchanged.

7 Materials; Intellectual Property; Usage Rights; Access Data; Recordings
7.1 All materials, tools, and content are protected by copyright and/or other intellectual property rights.
7.2 The Customer receives a simple (non-exclusive), non-transferable, non-sublicensable right to use the materials solely for private purposes and for the Customer’s own implementation.
7.3 Without prior consent in text form, it is prohibited to: pass on, publish, sell, or upload the materials to databases/networks/groups; use them to train or coach third parties; create competing offers; or carry out automated/AI-assisted processing for dissemination or for training the Customer’s own models.
7.4 Access credentials for online courses/memberships are personal. Account sharing is prohibited. The Provider may implement reasonable technical measures to prevent misuse (e.g., device limits, concurrent session limits, and log/IP monitoring), provided this is done in accordance with applicable data protection laws.
7.5 Any recording (audio/video/screen/photo) and any sharing of meeting links is prohibited without the Provider’s consent.

8 Consequences of Breach; Suspension; Termination; Contractual Penalty (Business Customers Only)
8.1 Breaches of clause 7 constitute a material breach. The Provider may, in particular, require cessation and removal/deletion, request information on scope/recipients/platforms, and claim damages in accordance with statutory law (including, where applicable, a reasonable license fee analogy).
8.2 The Provider may suspend access/participation pending clarification and may terminate for cause in the event of serious or repeated breaches.
8.3 The Customer shall reimburse necessary legal enforcement costs to the extent permissible by law.
8.4 Contractual penalty (Business Customers only): For each culpable breach of clause 7 by a Business Customer, the Provider may claim an appropriate contractual penalty. The amount is determined by the Provider in equitable discretion (“Hamburger Brauch”), taking into account in particular severity, duration, economic benefit, reach/audience, degree of fault, risk of repetition, and deterrence needs; the determination is subject to judicial review.
8.5 Continuing and multiple breaches: For continuing breaches, each commenced week may be treated as a separate breach. For the avoidance of doubt, this weekly rule applies to continuing breaches; separate acts may be treated as separate breaches irrespective of duration. Independent acts (e.g., uploads to multiple platforms, sharing with multiple recipients, use in multiple trainings/coaching) may be treated as separate breaches.
8.6 Further claims remain unaffected; any contractual penalty will be credited against damages to the extent the same harm is compensated.

9 Customer Cooperation Obligations
9.1 The Customer is responsible for the technical requirements (stable internet connection, device, microphone/camera as needed).
9.2 The Customer shall provide truthful information during onboarding and actively cooperate (preparation, tasks/exercises) as required for the service.
9.3 In group formats, respectful conduct is required. In case of material disruption, the Provider may exclude the Customer; any refund is excluded to the extent permitted by law.

10 Prices; Payment; Due Date; Default
10.1 Prices result from the offer, booking confirmation, or Coaching Agreement.
10.2 Payment is generally due prior to the start/provision of the service. The Provider may withhold performance/access until payment is received, unless expressly agreed otherwise.
10.3 In case of late payment, the Provider may pause scheduled sessions/access until outstanding amounts are settled.

11 Rescheduling; Cancellation; No-Show
11.1 The 1:1 sessions may be rescheduled free of charge up to 48 hours before the appointment.
11.2 Rescheduling within 48 hours or non-attendance (“no-show”) counts as the session having been delivered, unless the Customer has a valid reason (e.g., illness/emergency) and, upon request, provides plausible evidence. In such case, the Provider may, at its discretion, offer a replacement appointment.
11.3 If the Provider cannot conduct a session for important reasons, a replacement appointment will be offered.
11.4 Workshops: the Provider may reschedule/cancel for important reasons; the Customer will receive a replacement date or a refund.
11.5 Workshop cancellation by Customer:
(a) free of charge up to 7 calendar days before start;
(b) 6–3 calendar days before start: 50% of the fee;
(c) less than 72 hours before start or no-show (Provider’s local time (Europe/Athens)): 100% of the fee, unless mandatory statutory provisions provide otherwise.
11.6 The Customer may nominate a substitute participant free of charge at any time, provided the required details are submitted before the workshop starts.
11.7 Minimum participants (if specified): the Provider may cancel up to 7 calendar days before start if the minimum number is not reached. In such case, the Customer may choose a refund or rebooking.
11.8 Force majeure: Neither party shall be liable for delays or failures to perform caused by events beyond reasonable control (e.g., power or internet outages, platform failures, natural disasters, acts of government, strikes). In such cases, the Provider may reschedule the affected session/workshop within a reasonable time; if rescheduling is not possible or not reasonable, the Customer will receive a refund for the affected part of the service.

12 Term of 1:1 Coaching; Validity Period
12.1 The 8 sessions must be completed within 9 months from the coaching start unless otherwise agreed.
12.2 The follow-up session must be completed within 3 months after session 8.
12.3 Unused sessions expire after the validity period unless an individual agreement provides otherwise.

13 Digital Content; Access Period; Availability
13.1 Downloads: after provision/download, the file remains with the Customer; re-provision is not owed unless expressly agreed.
13.2 Online courses/memberships: access is granted for the duration the content is made available on the platform, unless a fixed access period is agreed.
13.3 No guarantee of perpetual availability. The Provider may change platforms. In case of final discontinuation, the Provider will provide reasonable prior notice and a transition period where practicable.
13.4 No obligation to provide updates unless expressly promised.

14 Withdrawal; Statutory Rights
14.1 If a statutory right of withdrawal applies, the separate withdrawal notice applies.
14.2 Statutory exceptions may apply to date-specific workshops. For digital content, special rules may apply depending on when performance begins and whether the Customer has consented to an early start.

15 Liability
15.1 The Provider is liable without limitation for intent and gross negligence and for injury to life, body, or health.
15.2 For slightly negligent breach of essential contractual obligations, liability is limited to the foreseeable damage typical for the contract.
15.3 Otherwise, liability is excluded to the extent permitted by law.
15.4 The Provider assumes no liability for financial losses resulting from the Customer’s decisions.

16 Confidentiality
16.1 Both parties shall keep confidential information (in particular personal/financial information, strategies, documents) confidential and shall not disclose it to third parties.
16.2 Disclosure is permitted where required by law.

17 Data Protection
17.1 The Provider’s current privacy policy applies in its respective current version.

18 Final Provisions
18.1 Governing law: Greek law (Hellenic Republic) applies, while preserving mandatory consumer protection provisions of the country in which the Customer has their habitual residence (where applicable).
18.2 Jurisdiction: if the Customer is a merchant, a legal entity under public law, or a special fund under public law, exclusive place of jurisdiction is the Provider’s seat. For Consumers, statutory jurisdiction rules apply.
18.3 Severability: if any provision is or becomes invalid, the remaining provisions remain effective.

Status: February 2026