Effective Date: 09 February 2023

These Terms & Conditions ("Terms") apply to the waitlist program offered by Bakksy Finance OÜ, a company, registered under the laws of the Republic of Estonia with registration number 16575205 and registered address at Harju maakond, Tallinn, Kesklinna linnaosa, Tornimäe tn 3 // 5 // 7, 10145 ("Bakksy", "we", "our"). By joining the waitlist, you agree to be bound by these Terms.

References to "you" or "user" under these Terms refer to the individual who has joined the waitlist for our forthcoming product launch. This includes, but is not limited to, individuals who have joined the waitlist and become a part of the Bakksy community, received a Bakksy community card, or received a referral link to share with others.

Bakksy is committed to launching a secure, user-friendly and informative platform for investing that is combined with a new kind of payment cards, that will allow our users to use their funds in a portfolio without having to withdraw your money from the investment account. Bakksy will provide its users, including those with no prior investing experience, with the tools and knowledge to make informed investment decisions, reduce risk, and master best practices.

These Terms and Conditions are designed to regulate the waitlist, referral system service and Bakksy community. To ensure that users who have joined the waitlist receive proper communication, Bakksy will launch the Bakksy community, where early adopters of the product will be provided with two types of rewards: Early Bird patches and cash rewards for every new customer joined through their referral links.

By participating in the waitlist, referral system service, and Bakksy community, users agree to these Terms. Bakksy is committed to providing a secure and transparent platform for all users, and these Terms reflect that commitment.

  1. Membership
    1. By joining the waitlist, you will become a member of the Bakksy community and will receive a Bakksy community card with your membership number in the order of joining.
    2. The first 1,000 members of the Bakksy community will be referred to as "Early Birds". Early Birds will receive an Early Bird patch to be displayed on their membership card.
    3. In order to participate in the referral program and become a member of the Bakksy community, users must meet the following eligibility criteria:
  2. be of legal age to form a binding contract;
  3. not be temporarily or indefinitely suspended from using the Bakksy platform;
  4. comply with all of the rules and regulations set forth by Bakksy, including but not limited to these Terms & Conditions and Privacy Policy.
  5. Referral Program
    1. Every member of the Bakksy community will be granted a personal referral link. By referring new members to Bakksy via your referral link, you and the referred member will be eligible to receive reward points that can be further exchanged to a one-month Bakksy subscription.
    2. The first batch of referral links available to members will be limited (e.g. five links available to be used). Bakksy will regularly open up additional referral links (e.g. five to ten links) as needed.
  6. Rewards
    1. The reward points for the referral program will be credited to the accounts of both the referring member and the referred member once the referred member has joined the Bakksy waitlist.
    2. The reward points can be further exchanged to a one-month Bakksy subscription.
  7. Limitations
    1. Bakksy reserves the right to limit or revoke the referral and waitlist programs at any time, without notice.
    2. Bakksy shall not be liable for any indirect, incidental, special, or consequential damages, or loss of profits, arising from or related to the use of the services provided under these Terms. This limitation of liability shall apply regardless of the form of action, whether based on contract, tort, negligence, strict liability, or otherwise, and even if Bakksy has been advised of the possibility of such damages.
  8. Disclaimer
    1. Bakksy makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the waitlist program or the information, products, services, or related graphics contained in the waitlist program for any purpose.
    2. The services provided by Bakksy are provided on an "as is" and "as available" basis, without any warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
    3. Bakksy does not warrant that the services will meet the user's requirements, or that the services will be uninterrupted, timely, secure, or error-free.
    4. The user acknowledges and agrees that any material and/or data downloaded or otherwise obtained through the use of the services is done at the user's own discretion and risk, and that the user will be solely responsible for any damages to their computer system or loss of data that may result from the download of such material and/or data.
  9. Intellectual Property
    1. The user acknowledges and agrees that all intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in and to the services provided by Bakksy and its components, are owned by Bakksy or its third-party licensors.
    2. The user shall not use, copy, modify, create derivative works of, sell, license, or otherwise exploit the services, or any component thereof, except as expressly authorized by Bakksy.
    3. The user shall not remove or modify any proprietary notices or labels on or in the services or components thereof. All rights not expressly granted to the user under these Terms are reserved by Bakksy.
  10. Governing Law
    1. These Terms shall be governed by and construed in accordance with the laws of the Republic of Estonia.
  11. Dispute Resolution
    1. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the Arbitration Court of the Estonian Chamber of Commerce and Industry (ECCI) in accordance with its rules. The arbitral tribunal shall be composed of a sole arbitrator. The seat of arbitration shall be Tallinn, Estonia. The language of the arbitral proceedings shall be English.
    2. In the event of a dispute arising from or relating to these Terms, the prevailing party shall be entitled to recover its reasonable attorneys' fees and arbitration proceedings costs, as well as all other expenses incurred in connection with the dispute, from the non-prevailing party.
  12. Contact Information
    1. If you have any questions or concerns about these Terms, please contact us at legal@bakksy.com.
  13. Changes
    1. We may update these Terms from time to time to reflect changes in our practices or in applicable law. We will notify you of any material changes by posting the updated Terms on our website and, if required by law, by obtaining your consent.