Terms of Use and Sale

1. Ownership

This site is owned and operated by TCK Consulting GmbH (Establecimiento permanente en España) - hereinafter the "Service" - with address at Avenida California, number 95, CP 08811, Canyelles, Barcelona, Spain.

Email: info@tck-consulting.com
VAT ID: ESW0240548H

TCK Consulting GmbH is registered in Germany at the Amtsgericht Tostedt Registry Court with number 205797.

2. Acceptance

The Service is available to private (non-company) consumers only, for their own consumption and subject to the following terms and conditions: these Conditions of Use and Sale, our Privacy Policy and Cookies Policy, which will also always be available at the bottom of the online site and must not be used for illegal purposes or in a manner other than that contemplated therein. 

If you are looking to contract our services on behalf of a company please contact us at info@tck-consulting.com.

3. Description of service

Through the Service, you can buy courses and training content on financial instruments and markets.

The language in which the contract between the Service and the buyer will be perfected will be English.

The process of contracting will be as follows:
  • The training catalog appears on the website, so that you can select the one that best suits your needs.
  • After selecting the course or training, it will be included in the shopping cart. At that time you can continue buying more courses or checkout.
  • Once the selection is complete, we will proceed to fill in your personal data, the billing address, the delivery system and the method of payment.
  • In the last phase, a summary of the courses purchased, payment method, delivery method, acceptance of the terms and conditions of the Service and the button to confirm the purchase will be presented.

We inform you that for legal reasons we archive the electronic documents in which the purchases in your profile are formalized. You can access these documents at any time in your account or by requesting it at: info@tck-consulting.com.

As a user of the Service you agree to receive invoices for your purchases electronically. In any case, whenever you request it, the invoice will be sent to you in paper format at the address you indicate. For more information, contact us at: info@tck-consulting.com.

Likewise, during the purchase process you can modify the number of units, change the billing address and the payment method. To do this, you must go back on the corresponding button when possible and before the final acceptance of the sale.

Once the sale has been made, it will be confirmed by sending an email, within a maximum period of 24 hours, to the address you have indicated. It will indicate the course purchased, its amount, applicable taxes, the method of payment and the applicable terms and conditions.

4. External links

The Service may send you to other websites through links. However, the Service does not control those sites or their content, which are in fact subject to their own terms and conditions. Therefore, the Service is not responsible for the quality, veracity or accuracy of those sites. 

5. Age 

Regarding the use of the Service, you declare that you are of legal age and that you have the necessary legal capacity to be bound by this agreement and use the site in accordance with its terms and conditions, which you fully understand and acknowledge. 
You declare that all the information provided by you to access the Service, before and during its use, is true, complete and accurate.

6. Intellectual and industrial property

6.1 Own content
The content and information of the Service (among other data, text, sound, video, image or computer code), as well as the infrastructure used to provide such content and information, is owned by the Service or has the corresponding authorizations for its use.
In addition, the client is not assigned any intellectual or industrial property rights on the website or on any of its component elements, the reproduction, transformation, distribution, public communication, making available, extraction, reuse, forwarding or the use of any nature, by any means or procedure, of any of them, except in cases where it is legally permitted or authorized by the owner of the corresponding rights.
For any other use of the content of the Service you need our prior written consent.

6.2 User content
As a user you can contribute to the Service in different ways, such as sending emails or sending suggestions (hereinafter “Content”).

We may use that Content in a variety of ways, including displaying it on the Website, reformatting it, translating it into other languages, editing it for clarity, fixing errors, creating derivative works from it, promoting it, and distributing it.
Therefore, the Content remains your property but by submitting it you grant the Service a worldwide, non-exclusive, free, until the removal of the content, transferable and sublicensable license on that Content.

6.3 Prohibited activities
In addition to what is indicated above, you agree not to perform any of the following acts when using the Service:

a) Access, monitor or copy content or information from this website through the use of robots, crawlers, data scrapers or any other automated means that allow the website or its content to be accessed, crawled, indexed, retrieved or otherwise used for any purpose without the explicit written permission of Swapschool;

b) Embed, mirror or otherwise incorporate any part of this website into another without our prior written permission;

c) Attempt to modify, translate, adapt, edit, decompile, disassemble or reverse engineer any software used by Swapschool in connection with the Website or its contents;

d) Use the website to threaten, harass, defraud, incite, harass another person or advocate the harassment of another person, or interfere in any other way with another user's use of the website;

e) Use the Website to send or transmit unsolicited mail (“spam”), chain letters, contests, “junk mail”, pyramid schemes, surveys or other mass messages, whether of a commercial or non-commercial nature;

f) Use the website to violate the rights of third parties, including breach of trust and infringement of copyright, trademarks, patents, trade secrets, moral rights, privacy rights or any other intellectual or proprietary property rights ;

g) Attempt to gain unauthorized access to the Website, computer systems or networks connected to the Website through hacking, password mining or any other means. As well as the transmission of computer viruses, worms, defects, Trojan horses or other elements of a destructive nature;

h) Use any device, software or routine that interferes with the proper functioning and security measures of the website.

i) Extract, copy or plagiarize part or all of the content that Swapschool makes available to users who acquire any of its training.

7. Price and taxes

The prices of the courses and contents offered are indicated in euros (€), recording the corresponding taxes in force at the time of purchase on the price.

In any case, the operation could be exempt or not subject to these taxes, such as VAT, depending on your country of residence or the condition in which you act. For this reason, in some cases the final price of the order may be altered with respect to the one shown.

The price of the products or services will be the one stipulated at any time on the website, except in the case of manifest error. Although we try to ensure that all prices listed on the website are correct, errors can occur.

If an error is discovered in the price of the products or services that the customer has ordered, the Service, after informing him as soon as possible, will give him the option of reconfirming his order at the correct price or canceling it. If the Service fails to contact the customer, the order will be considered canceled and the amounts that have been paid will be fully refunded.

The Service is not obliged to provide training or content (even if the Shipping Confirmation has been sent) if the price error is obvious and unambiguous and could reasonably be recognized by the customer as an incorrect price.

Prices may vary, but (except as provided above) possible changes will not affect orders for which a purchase confirmation has already been sent.

Finally, the buyer undertakes to use the website diligently and in good faith, to satisfy the payment of the established price and is responsible for the veracity of the data provided required for the transaction.

For any clarification, incident or claim, you can contact us at the following email: info@tck-consulting.com

8. Payment methods

The online payment of the training and content purchased must be made in full in advance and through:
  • Credit and debit card: through the secure platform Stripe


The Service informs credit and debit card holders that transactions on the web are carried out on a secure payment gateway, using TLS technology to guarantee the security of data transmission. 

9. Right of withdrawal, cancellations and refunds

9.1 Right of withdrawal
Given the type of services, online training and digital content on finance that Swapschool provides, the right of withdrawal will not be applicable in accordance with article 16 m) of the Directive 2011/83/UE and article 103 m) of Royal Legislative Decree 1/2007, of November 16, which approves the consolidated text of the General Law for the Defense of Consumers and Users and other complementary laws.

In this sense, the acquisition by the training and content packages offered by the Service must be paid in full in advance and will not contemplate refunds of any kind, neither partial or total.

9.2 Returns and commercial guarantee
As a seller, the Service will be liable for any lack of conformity that is manifested within a period of three years from delivery in the case of goods or two years in the case of digital content or services. In such cases, the consumer and user may choose between demanding the repair (in the event that they were goods subject to repair) or the replacement of the product, unless one of these two options is objectively impossible or disproportionate.

For the exercise of this right, the consumer and user must inform the seller of the lack of conformity, taking into account the moment from which they became aware of it and it must always be taken into account that the lack of conformity that they allege and the moment in which the claim must be compatible with the nature of the product or service.

The exercise of this right will be free for the consumer. Both to exercise it and to request more information, contact us at info@tck-consulting.com

10. Validity of offers

The training and content offered in the Service, and their prices, will be available for purchasing while they are in the web catalog.
In any case, the Service reserves the right to make any changes to the Service that it deems appropriate, being able to update training and content depending on the market.

Swapschool reserves the right to change prices without prior notice.

We inform you that despite the updates that are made to the prices of the Service, they could contain errors. We will promptly correct any errors that appear, but they will not bind the Service.

Likewise, the Service may, at its sole discretion, create promotional codes that may be exchanged for training and content or as a discount for part of the price thereof to be purchased by the user, subject to these conditions or any additional conditions that the Service Service set specifically for each promotional code.

If you use promotional codes you agree that:
  • They must only be used for their intended purpose and in a lawful manner.
  • They may not be duplicated, sold or transferred in any way, or made available to the general public (whether posted in a public forum or otherwise), except with the permission of the Service.
  • They may be invalidated by the Service in case of non-compliance or fraud in their use.
  • They may be used only in accordance with the specific conditions that the Service establishes for said promotional code.
  • They may, depending on their terms, expire before you use them.

11. Security

As indicated above, the entire purchase and sale procedure, as well as the transmission of your personal data and payment systems, is carried out on a secure page and encrypted through the TLS protocol.

We guarantee the security of the Service in accordance with the present technological knowledge. However, the Service cannot guarantee the future security of the Service. In any case, we do undertake to rectify and implement the appropriate corrective measures to correct a possible security breach as soon as possible.

You agree to notify the Service, immediately and via email info@tck-consulting.com, of any situation that could lead to the impersonation of a user's identity.

12. Exclusion of guarantees and liability

The Service will apply its maximum diligence to provide it, including the accuracy, completeness or timeliness of the contents and the availability and continuity of the operation of the Service.

In any case, the user understands that the Service may contain errors and omissions that will be resolved as soon as they are detected or communicated. On the other hand, the Service will try to warn sufficiently in advance of the interruptions that could occur in the operation of the Service.

In any case, the Service is not responsible for the level of utility that users may have attributed to it.

Specifically, the sole purpose of these training materials is to provide general information about financial instruments and markets. These materials are not an offer to buy or sell or a solicitation of an offer to buy or sell any security or instrument or to participate in any trading strategy. No investment advice is given at any time. The information provided is intended for educational purposes only. While great care has been taken during the development process, we cannot guarantee the accuracy and/or completeness of the information provided.

Likewise, the Service excludes any liability for damages of any nature that may be due to the use of the Service and its contents by users, clients or professionals, or that may be due to lack of veracity, validity or authenticity. of the information that users provide to others about themselves. In particular, the Service excludes any liability for damages of any kind that may be due to impersonation of a third party carried out by a user in any kind of communication carried out through the Service.

13. Modifications and nullity

We may update the terms and conditions of the Service in the future, as well as the characteristics and functions of the Service itself.

We will notify you of changes to the terms and conditions by placing a notice prominently on our website and/or by email.

If any clause included in these terms and conditions were declared, totally or partially, null or ineffective, it will only affect said provision or the part of it that is null or ineffective. The terms and conditions will subsist in everything else, having said provision, or the part of it that is affected, for not being made.

14. Claims and actions derived from the contract

In case of controversy, this Service submits to the legislation and courts of the consumer's domicile.

If the person contracting the Service is not legally considered a consumer, in the event of a dispute the parties submit to the courts of Barcelona and Spanish law.

In this sense, and according to the applicable regulations, the Service informs of the existence of a European online dispute resolution platform that facilitates the out-of-court resolution of said disputes for contracts also entered into online between consumers and Internet service providers. This platform can be accessed through the following web page: http://ec.europa.eu/odr

15. Customer service and contact

For any clarification, incident or claim, you can contact us by:

E-mail : info@tck-consulting.com
Postal address: TCK Consulting GmbH (Establecimiento permanente en España), Avenida California, number 95, CP 08811, Canyelles, Barcelona, Spain.
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