Terms of Service

1. Introduction

The Audienced platform is a software service operated by:

Fitcrea d.o.o.
Reteče 68
4220 Škofja Loka
Slovenia
VAT ID: SI71901736

(hereinafter referred to as the “Company”, “Fitcrea”, or “Audienced”).

Audienced is a Software-as-a-Service (SaaS) platform that enables creators and businesses to create, manage, and distribute digital products, online communities, memberships, courses, and other online services.

These Terms of Service (hereinafter: the “Terms”) govern access to and use of the Audienced platform and all services provided through it.

By registering an account, accessing the platform, or using any part of the services, the user agrees to be bound by these Terms in full.

If the user does not agree to these Terms, they must not access or use the platform.

Audienced is a product and service operated by Fitcrea d.o.o.

2. Definitions

For the purposes of these Terms, the following terms shall have the meanings set forth below:

“Platform” means the Audienced software system and all related services, features, and functionalities made available by the Company.

“Company” means Fitcrea d.o.o., the legal entity that owns and operates the Platform.

“Administrator” means a registered user who uses the Platform to create, manage, and distribute digital products, programs, communities, memberships, or other services.

“Member” means an end user who accesses content, products, or communities created or managed by an Administrator.

“User” means any individual or legal entity that accesses or uses the Platform, including Administrators and Members.

“Subscription” means a paid, recurring access plan to the Platform.

“Free Trial” means a limited, time-bound period (typically 14 days) during which a User may access the Platform without payment, subject to the conditions defined by the Company.

“Billing Period” means the recurring subscription cycle, which may be monthly or annual.

“Administrator Content” means any content, data, or materials uploaded, published, or otherwise made available on the Platform by an Administrator.

“Member Content” means any content, data, or materials uploaded, submitted, or generated by Members, including but not limited to comments, posts, messages, profile information, and media files.

“User Content” means, collectively, Administrator Content and Member Content.

3. Description of the Platform

Audienced enables Administrators to create, manage, and distribute digital products and online communities, including, but not limited to:

  • online courses
  • memberships
  • online communities
  • digital products
  • educational programs
  • events and other online services

The Platform operates as a technology service and hosting provider that enables Administrators to publish and manage their content and services.

Unless explicitly stated otherwise, the Company:

  • does not act as the seller of products or services offered by Administrators,
  • does not review, verify, or endorse Administrator Content,
  • does not control pricing, sales terms, or business practices of Administrators.

Any transactions between Administrators and their Members are conducted directly between those parties, unless the Company explicitly acts as a Merchant of Record, in which case the Company acts as the legal seller to the end customer in accordance with these Terms.

The Platform may integrate or rely on third-party services, including but not limited to infrastructure providers, payment processors, communication tools, and analytics services.

4. Account Registration

In order to use the Platform, a User must create an account.

The User agrees to provide accurate, complete, and up-to-date information during registration and to keep such information updated at all times.

The Platform may only be used by individuals who are at least 18 years old or who otherwise have the legal capacity to enter into binding contracts under applicable law.

The User is solely responsible for maintaining the confidentiality of their login credentials and for all activities that occur under their account.

The Company reserves the right, at its sole discretion, to:

  • refuse or reject any registration request,
  • suspend or restrict access to an account,
  • terminate or permanently disable an account,

if it determines that such action is necessary to:

  • protect the integrity, security, or operation of the Platform,
  • ensure compliance with applicable laws or regulations,
  • prevent fraud, abuse, or misuse of the Platform.

The Company further reserves the right, at its sole discretion, to restrict, suspend, or terminate access to the Platform or any part thereof at any time, with or without notice, and without liability to the User.

5. Free Trial

The Platform may offer a free trial period, typically lasting 14 days, during which Users may access certain features of the Platform without payment.

During the Free Trial, Users are granted access to functionalities as determined by the Company at its sole discretion.

No payment method is required to start the Free Trial, unless otherwise specified.

The Free Trial:

  • does not create any payment obligation,
  • does not automatically convert into a paid Subscription.

If, upon expiration of the Free Trial, the User does not provide valid payment details and select a Subscription plan:

  • the account may be suspended or restricted,
  • access to the Platform, including access for the Administrator and their Members, may be disabled.

Any content created or uploaded during the Free Trial may remain stored for a limited period in accordance with the Company’s data retention practices; however, access to such content may be restricted or unavailable until a paid Subscription is activated.

The Company reserves the right, at its sole discretion, to:

  • modify, limit, or discontinue the Free Trial at any time,
  • restrict access to certain features during the Free Trial,
  • refuse or terminate Free Trial access for any User.

The Company is under no obligation to extend, renew, or maintain Free Trial access beyond the designated trial period.

6. Subscriptions and Billing

The Platform offers Subscription plans with the following billing cycles:

  • monthly subscriptions
  • annual subscriptions

Annual Subscriptions are billed in full at the beginning of the applicable Billing Period.

All prices displayed on the Platform are exclusive of VAT or other applicable taxes, unless stated otherwise.

VAT or other applicable taxes will be calculated and charged at checkout based on the User’s location and applicable tax laws.

Subscriptions automatically renew at the end of each Billing Period unless cancelled prior to the renewal date.

The User is solely responsible for managing their Subscription and cancelling it before the renewal date if they do not wish to continue.

If a payment attempt fails, the Company reserves the right to:

  • suspend or restrict access to the Platform,
  • retry the payment using the provided payment method,
  • terminate or deactivate the User’s account.

The Company reserves the right, at its sole discretion, to change Subscription pricing at any time.

Any pricing changes will take effect at the start of the next Billing Period following the change.

Continued use of the Platform after a price change becomes effective constitutes acceptance of the updated pricing.

The Company shall not be liable to the User for any changes in pricing.

7. Plan Changes (Upgrades and Downgrades)

Users may upgrade their Subscription plan at any time.

Any upgrade will take effect immediately, and the applicable fee will be calculated on a prorated basis for the remainder of the current Billing Period.

Downgrades of Subscription plans will take effect only at the start of the next Billing Period.

Downgrades do not entitle the User to any refund, credit, or partial reimbursement for any previously paid amounts.

The Company is under no obligation to provide prorated refunds or credits in connection with downgrades.

8. No Refund Policy

All payments made for use of the Platform are final and non-refundable, except where required by applicable law.

Refunds will not be provided under any circumstances, including but not limited to:

  • unused Subscription time,
  • partially used Billing Periods,
  • downgrades of Subscription plans,
  • temporary or permanent suspension or termination of the account,
  • discontinuation of use of the Platform,
  • dissatisfaction with the Platform or its features,
  • failure to achieve expected business or financial results.

This policy applies to all Subscription plans, including monthly and annual billing cycles.

9. Responsibilities of Administrators

Administrators who use the Platform to offer digital products, memberships, courses, or other services act as independent content providers and business operators.

In cases where Fitcrea d.o.o. acts as a Merchant of Record, Fitcrea d.o.o. acts as the legal seller to the end customer, while the Administrator acts as the provider of the underlying content or service.

Notwithstanding the foregoing, the Administrator remains solely responsible for:

  • the content, quality, and delivery of their products or services,
  • the legality and compliance of their offerings,
  • any representations, claims, or marketing statements made in connection with their products or services.

Unless explicitly stated otherwise, Fitcrea d.o.o. and the Platform do not act as the seller of Administrator products or services.

Administrators are solely responsible for:

  • calculating, reporting, and paying any applicable taxes (including VAT, where applicable),
  • complying with applicable consumer protection laws and regulations,
  • issuing invoices or other required documentation where applicable,
  • handling refunds, complaints, and disputes with their customers,
  • ensuring that their business activities comply with all applicable laws and regulations.

Fitcrea d.o.o. does not provide legal, tax, or financial advice.

10. Platform Neutrality

The Platform operates as a neutral technology provider that enables Administrators to create, publish, and manage digital products, services, and communities.

The Company does not:

  • review, verify, or validate the accuracy, legality, or quality of any content or services offered by Administrators,
  • endorse or approve any products, services, or representations made by Administrators,
  • participate in the creation, marketing, sale, or delivery of Administrator offerings.

Any statements, marketing claims, testimonials, financial projections, or representations regarding results or performance made by Administrators are solely the responsibility of the respective Administrator.

The Company makes no representations or warranties regarding:

  • business or financial results,
  • earnings or income potential,
  • educational outcomes,
  • effectiveness, reliability, or success of any products or services offered through the Platform.

Users acknowledge and agree that:

  • any interaction with, purchase from, or participation in programs offered by Administrators is undertaken at their own discretion and risk,
  • the Company is not a party to any agreement between an Administrator and a Member, except where explicitly acting as a Merchant of Record for payment processing purposes.

To the fullest extent permitted by applicable law, Fitcrea d.o.o. shall not be liable for any disputes, claims, losses, damages, or dissatisfaction arising from interactions between Administrators and Members or from the use of Administrator Content.

11. Acceptable Use of the Platform

Users may not use the Platform for any unlawful, harmful, or abusive purposes.

Without limitation, Users agree not to use the Platform to:

  • engage in illegal activities or promote unlawful conduct,
  • infringe or violate intellectual property rights,
  • commit fraud, deception, or misrepresentation,
  • operate or promote pyramid schemes, multi-level marketing (MLM) schemes, or similar programs,
  • make false, misleading, or unsubstantiated financial, income, or business claims,
  • distribute malware, viruses, or other harmful software,
  • send spam or engage in unsolicited or abusive communications,
  • use automated systems, bots, or scraping tools without authorization,
  • attempt to reverse engineer, decompile, or otherwise interfere with the Platform,
  • attempt to gain unauthorized access to the Platform, its systems, or other User accounts,
  • misuse, exploit, or abuse any functionality of the Platform.

Users further agree not to use the Platform to create, distribute, or promote content that:

  • includes misleading or deceptive health, medical, or psychological claims,
  • promotes financial advice, investment opportunities, or income guarantees without proper authorization or legal compliance,
  • involves high-risk or regulated activities without complying with applicable laws (including but not limited to financial services, crypto assets, or gambling),
  • violates consumer protection laws or advertising standards.

The Company reserves the right, at its sole discretion, to determine whether any activity or content violates these Terms.

The Company may take any action it deems appropriate, including:

  • removing content,
  • restricting access,
  • suspending or terminating accounts,

without prior notice and without liability.

12. Intellectual Property and Content Ownership

All intellectual property rights in and to the Platform, including but not limited to software, design, user interface, trademarks, logos, and other elements, are the exclusive property of Fitcrea d.o.o. or its licensors.

Users may not copy, reproduce, distribute, modify, or otherwise use any part of the Platform without the prior written consent of the Company.

Users retain ownership of any content they upload, publish, or otherwise make available on the Platform.

By uploading or publishing content on the Platform, the User grants Fitcrea d.o.o. a worldwide, non-exclusive, royalty-free license to:

  • host, store, reproduce, and display the content,
  • process and adapt the content as necessary for the operation of the Platform,
  • use the content for the purpose of improving, maintaining, and providing the Platform.

This license is granted for the duration of the User’s use of the Platform and to the extent necessary for the operation and provision of the services.

The User represents and warrants that they have all necessary rights, licenses, and permissions to upload and use such content and that such content does not infringe any third-party rights.

13. Content Moderation

The Company reserves the right, at its sole discretion, to:

  • remove or disable access to any content,
  • restrict or limit the visibility of content,
  • suspend or terminate any User account,

if it determines that such content or activity:

  • violates these Terms,
  • violates applicable laws or regulations,
  • poses a risk to the Platform, its Users, or third parties.

The Company may take such actions with or without prior notice and without liability to the User.

The Company is not obligated to monitor, review, or actively moderate User Content or communications between Users.

To the fullest extent permitted by applicable law, the Company shall not be responsible or liable for any User Content, including but not limited to content that is unlawful, inaccurate, misleading, or otherwise objectionable.

Nothing in these Terms shall be construed as creating any obligation for the Company to pre-screen, monitor, or control content on the Platform.

14. Affiliate Program

Participation in the Audienced affiliate program is governed by a separate Affiliate Agreement.

Any individual or entity participating in the affiliate program must agree to and comply with the terms of that separate agreement.

In the event of any conflict or inconsistency between these Terms and the Affiliate Agreement, the Affiliate Agreement shall prevail with respect to all matters related to the affiliate program.

The Company shall not be liable for any actions, representations, or conduct of affiliates, including any marketing claims or promotional activities carried out by them.

15. Changes to the Platform

The Company reserves the right, at its sole discretion, to:

  • modify, update, or discontinue any part of the Platform,
  • add, remove, or change features or functionalities,
  • introduce new services, tools, or limitations.

The Company does not guarantee that any specific features or functionalities will remain available on a permanent or uninterrupted basis.

The Company may make such changes at any time, with or without prior notice, and without liability to Users.

16. Data Retention and Account Deletion

Upon termination or expiration of a Subscription:

  • access to the Platform may be suspended or disabled,
  • User Content and data may remain stored on the Company’s servers for a limited period, in accordance with the Company’s data retention policies.

The Company reserves the right to delete inactive accounts and associated data after a reasonable period of inactivity, as determined at its sole discretion.

The Company shall not be liable for any loss of data resulting from the deletion of accounts or content in accordance with these Terms.

Users may request deletion of their account and personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR), by contacting the Company.

Certain data may be retained after account deletion where required for:

  • compliance with legal obligations,
  • resolution of disputes,
  • enforcement of these Terms,
  • prevention of fraud or abuse.

17. Disclaimer of Warranties

The Platform is provided on an “as is” and “as available” basis.

To the fullest extent permitted by applicable law, the Company makes no representations or warranties of any kind, express or implied, regarding the Platform or its use.

In particular, the Company does not warrant that:

  • the Platform will be uninterrupted, secure, or error-free,
  • any defects or errors will be corrected,
  • the Platform will meet the User’s expectations or requirements,
  • use of the Platform will result in any specific business, financial, or educational outcomes.

All use of the Platform is at the User’s own risk.

18. Service Availability

The Company will use commercially reasonable efforts to ensure that the Platform is available and functioning reliably; however, the Company does not guarantee uninterrupted, continuous, or error-free operation of the Platform.

The Platform may be temporarily unavailable due to:

  • maintenance, updates, or upgrades,
  • technical issues or system failures,
  • outages of third-party infrastructure providers,
  • network disruptions or internet connectivity issues,
  • or other circumstances beyond the Company’s control.

To the fullest extent permitted by applicable law, Fitcrea d.o.o. shall not be liable for any:

  • interruptions or downtime of the Platform,
  • loss of data,
  • loss of revenue or business opportunities,
  • or any indirect, incidental, or consequential damages

arising from or related to the unavailability of the Platform.

Users acknowledge and agree that the Platform is a digital service that depends on third-party infrastructure, systems, and services, and that such dependencies may impact performance and availability.

19. Payment Processors

The Platform may integrate with or use third-party payment service providers, including but not limited to Stripe or other payment processors (“Payment Processors”), for the purpose of processing payments.

All payments are processed directly by the Payment Processors. The Company does not collect, hold, or process payment information such as credit card details, except where explicitly stated under a separate agreement (e.g. Merchant of Record model).

The Company shall not be responsible or liable for any:

  • payment failures or declined transactions,
  • processing errors or delays,
  • chargebacks, disputes, or refunds,
  • loss of funds, delayed payouts, or currency conversion issues,
  • actions, omissions, or technical failures of Payment Processors.

Users agree to comply with the terms and conditions of the respective Payment Processor, which may apply in addition to these Terms.

The Company does not guarantee the availability, reliability, or performance of any Payment Processor and shall not be liable for any financial losses or damages arising from their use.

19. Payment Processors

The Platform may integrate with or use third-party payment service providers, including but not limited to Stripe or other payment processors (“Payment Processors”), for the purpose of processing payments.

All payments are processed directly by the Payment Processors. The Company does not collect, hold, or process payment information such as credit card details, except where explicitly stated under a separate agreement (e.g. Merchant of Record model).

The Company shall not be responsible or liable for any:

  • payment failures or declined transactions,
  • processing errors or delays,
  • chargebacks, disputes, or refunds,
  • loss of funds, delayed payouts, or currency conversion issues,
  • actions, omissions, or technical failures of Payment Processors.

Users agree to comply with the terms and conditions of the respective Payment Processor, which may apply in addition to these Terms.

The Company does not guarantee the availability, reliability, or performance of any Payment Processor and shall not be liable for any financial losses or damages arising from their use.

20. No Professional Advice

The Platform is provided solely as a technological tool for the creation, management, and distribution of digital content, programs, and communities.

Fitcrea d.o.o. does not provide any form of professional advice, including but not limited to:

  • legal,
  • financial or tax,
  • medical or health-related,
  • psychological,
  • or any other regulated or professional services.

Any content, programs, courses, advice, or services offered by Administrators through the Platform are solely the responsibility of those Administrators.

The Company does not review, verify, endorse, or guarantee the accuracy, completeness, legality, or effectiveness of such content or services.

Users acknowledge and agree that:

  • any reliance on content provided through the Platform is at their own risk,
  • participation in any programs, courses, or communities is voluntary and at their own discretion,
  • the Company shall not be liable for any decisions made or actions taken based on such content.

To the fullest extent permitted by applicable law, the Company shall not be liable for any:

  • direct or indirect damages,
  • personal injury, health-related issues,
  • financial loss,
  • or any other consequences

arising from or related to content or services provided by Administrators through the Platform.

21. Limitation of Liability

To the fullest extent permitted by applicable law, Fitcrea d.o.o. shall not be liable for any:

  • indirect, incidental, special, or consequential damages,
  • loss of profits, revenue, or business opportunities,
  • loss of data or corruption of data,
  • business interruption,
  • reputational damage

arising out of or related to the use of, or inability to use, the Platform.

The total aggregate liability of the Company, whether in contract, tort (including negligence), or otherwise, shall in no event exceed:

  • the total amount paid by the User for the Platform during the one (1) month period preceding the event giving rise to the claim.

For Users on annual subscription plans, the liability shall be limited to the pro-rated equivalent of one (1) monthly fee.

This limitation shall apply regardless of the number of claims and even if the Company has been advised of the possibility of such damages.

22. Indemnification

The User agrees to defend, indemnify, and hold harmless Fitcrea d.o.o., its directors, officers, employees, partners, and affiliates from and against any and all claims, demands, damages, liabilities, losses, costs, or expenses (including reasonable legal fees) arising out of or related to:

  • User Content or materials uploaded, published, or distributed by the User,
  • products, services, or programs offered by Administrators,
  • violation of applicable laws or regulations by the User,
  • breach of these Terms,
  • misleading, false, or unlawful statements made by the User or Administrator,
  • infringement of any third-party rights, including intellectual property rights.

The Company reserves the right to assume the exclusive defense and control of any matter subject to indemnification, at the User’s expense.

23. Sanctions and Legal Compliance

Users represent and warrant that they are not subject to any applicable international sanctions, including but not limited to sanctions imposed by the European Union, the United Nations, or the United States (OFAC).

The Company reserves the right to restrict, suspend, or terminate access to the Platform, without prior notice, if required to comply with:

  • applicable laws or regulations,
  • sanctions regimes,
  • requests or orders from competent authorities.

The Company shall not be liable for any damages, losses, or consequences resulting from actions taken in order to comply with legal or regulatory obligations.

24. Force Majeure

The Company shall not be liable for any failure or delay in performance of its obligations under these Terms if such failure or delay is caused by events beyond its reasonable control (“Force Majeure”), including but not limited to:

  • cyberattacks or security breaches,
  • failures of internet or telecommunications infrastructure,
  • natural disasters, including earthquakes, floods, or fires,
  • war, terrorism, civil unrest, or strikes,
  • actions or orders of governmental authorities,
  • failures of third-party service providers.

The Company’s obligations shall be suspended for the duration of the Force Majeure event, and the Company shall use reasonable efforts to resume normal operations as soon as practicable.

25. Merchant of Record and Payment Processing

In certain cases, Fitcrea d.o.o. may act as the Merchant of Record (“MoR”) for digital products, services, memberships, or other offerings made available by Administrators through the Platform.

Where Fitcrea d.o.o. acts as the Merchant of Record:

  • Fitcrea d.o.o. shall be the legal seller of record to the end customer,
  • payments shall be processed in the name of Fitcrea d.o.o.,
  • Fitcrea d.o.o. shall issue invoices or receipts to customers in accordance with applicable laws and tax regulations,
  • Fitcrea d.o.o. shall collect the purchase amount and remit the applicable share to the Administrator, subject to fees, deductions, and applicable agreements.

The Administrator acknowledges and agrees that:

  • Fitcrea d.o.o. is authorized to sell digital products or services on their behalf under the Merchant of Record model,
  • Fitcrea d.o.o. manages and controls the payment flow, pricing display (including taxes where applicable), and transaction processing,
  • Fitcrea d.o.o. may withhold, delay, or refuse transactions or payouts where required for compliance, fraud prevention, risk management, or legal reasons,
  • payouts to Administrators may be subject to verification procedures, reserve policies, or holding periods,
  • Fitcrea d.o.o. may deduct applicable fees, including payment processing fees, service fees, chargebacks, refunds, or penalties.

Fitcrea d.o.o. shall not be responsible for:

  • the quality, legality, or delivery of products or services provided by Administrators,
  • any disputes between Administrators and end customers,
  • refund obligations arising from Administrator content or offerings, except where required by applicable law.

Additional terms governing the Merchant of Record model may be specified in a separate agreement or within the Platform dashboard, and shall prevail in case of conflict with these Terms.

26. Fees and Payouts

For the use of the Merchant of Record model, Fitcrea d.o.o. charges a transaction fee of:

7% + €0.30 per transaction, unless otherwise agreed in writing.

Fitcrea d.o.o. shall remit to the Administrator the remaining amount of each transaction, after deduction of:

  • platform fees,
  • payment processing fees and related costs,
  • applicable taxes, duties, or regulatory charges (where required by law),
  • refunds, chargebacks, or disputes,
  • any other agreed fees or adjustments.

Payouts to Administrators may be subject to:

  • verification procedures (including identity and compliance checks),
  • rolling reserves or temporary holds,
  • minimum payout thresholds,
  • payout schedules defined by the Company.

Fitcrea d.o.o. reserves the right to:

  • temporarily withhold or delay payouts for fraud prevention, risk management, or dispute resolution,
  • offset (set-off) any amounts owed by the Administrator, including refunds, chargebacks, penalties, or fees,
  • adjust payout timing or conditions due to operational, financial, or regulatory requirements.

The Company shall not be liable for any delays, reductions, or non-payment of payouts resulting from:

  • actions of Payment Processors,
  • banking systems or financial institutions,
  • compliance checks or regulatory obligations,
  • or circumstances beyond the Company’s control.

27. Refunds and Disputes

Fitcrea d.o.o., acting as Merchant of Record where applicable, reserves the right, at its sole discretion, to:

  • approve or deny refund requests,
  • investigate and resolve customer complaints, claims, or disputes,
  • manage and respond to chargebacks or payment disputes initiated through Payment Processors.

The Administrator acknowledges and agrees that:

  • they bear the full economic responsibility for refunds, chargebacks, disputes, penalties, and associated fees related to their products or services,
  • Fitcrea d.o.o. may deduct, withhold, or set off such amounts from current or future payouts to the Administrator,
  • Fitcrea d.o.o. may issue refunds without prior approval of the Administrator where reasonably necessary to comply with legal obligations, consumer protection laws, or Payment Processor requirements.

Fitcrea d.o.o. shall not be liable for any losses arising from refund decisions, dispute resolutions, or chargeback outcomes.

28. Taxes

Where Fitcrea d.o.o. acts as Merchant of Record, it shall calculate, collect, and remit applicable taxes (including Value Added Tax – VAT) in accordance with the laws of the Republic of Slovenia and the European Union.

The Administrator is solely responsible for:

  • their own tax obligations related to payouts received from Fitcrea d.o.o.,
  • accurate reporting of income in their jurisdiction,
  • compliance with local tax laws and regulations applicable to their business activities.

Fitcrea d.o.o. does not provide tax, legal, or accounting advice.

The Company shall not be responsible for any tax liabilities, penalties, or reporting obligations of the Administrator.

29. Limitation of Liability Regarding Transactions

Fitcrea d.o.o. provides the Platform solely as a technological infrastructure and does not guarantee any commercial outcomes.

To the fullest extent permitted by applicable law, the Company shall not be liable for:

  • the success or performance of sales,
  • the number of customers or conversions,
  • the profitability or business results of the Administrator,
  • the quality, legality, accuracy, or delivery of products or services offered by Administrators.

The Administrator is solely responsible for:

  • the content, quality, and delivery of their products or services,
  • compliance with applicable laws and regulations,
  • customer communication, fulfillment, and support obligations.

The Company does not act as a partner, agent, or representative of the Administrator, except where explicitly stated under the Merchant of Record model.

30. Right of Withdrawal and Refunds (EU Compliance)

Where Fitcrea d.o.o. acts as Merchant of Record, consumer protection laws of the European Union may apply to transactions conducted through the Platform.

End customers may have the right to withdraw from a purchase within fourteen (14) days, unless an exception applies under applicable law.

The right of withdrawal does not apply where:

  • digital content has been fully delivered or accessed,
  • the performance of the service has begun with the customer’s prior express consent,
  • the customer has acknowledged that they thereby lose their right of withdrawal.

By completing a purchase of digital content, membership, or access to services on the Platform, the customer expressly agrees that:

  • the service will begin immediately upon purchase, and
  • they lose their statutory right of withdrawal once access to the content or service has been provided.

Fitcrea d.o.o. may, at its sole discretion, grant refunds in individual cases, including where required by law or under internal policies.

31. Payouts and Funds Withholding

Fitcrea d.o.o. may apply payout delays or holding periods for Administrators for the purposes of:

  • fraud prevention,
  • mitigation of chargeback risk,
  • compliance with Payment Processor requirements,
  • regulatory or legal obligations.

Fitcrea d.o.o. reserves the right, at its sole discretion, to:

  • withhold payouts for a reasonable period of time,
  • temporarily restrict, suspend, or block payouts,
  • require additional information, documentation, or identity verification (including KYC/AML procedures),
  • implement rolling reserves or other risk-based holding mechanisms to cover potential liabilities.

Payouts may only be released after:

  • expiration of applicable chargeback or dispute risk periods,
  • successful completion of verification or compliance checks,
  • fulfillment of any outstanding obligations of the Administrator, including refunds, disputes, or fees.

Fitcrea d.o.o. may offset (set-off) any amounts owed by the Administrator against pending payouts.

The Company shall not be liable for any delays, withheld funds, or restrictions applied in accordance with this clause.

32. Chargebacks, Fraud and Risk Allocation

In the event of:

  • a chargeback,
  • a refund,
  • a fraudulent transaction,
  • or any customer dispute or payment reversal,

the Administrator agrees that:

  • they bear full financial responsibility for such transactions, including all associated costs, fees, penalties, and losses,
  • Fitcrea d.o.o. may deduct, withhold, or set off the corresponding amounts from any current or future payouts owed to the Administrator,
  • Fitcrea d.o.o. may use any held funds, including reserves, to cover such obligations.

If the Administrator’s available balance or held funds are insufficient to cover the amounts owed, the Administrator agrees to:

  • promptly reimburse Fitcrea d.o.o. for the outstanding balance upon request,
  • authorize Fitcrea d.o.o. to recover such amounts through any lawful means, including invoicing or collection procedures.

Fitcrea d.o.o. reserves the right to:

  • suspend or terminate the Administrator’s account in cases of excessive chargebacks, fraud risk, or abusive activity,
  • impose additional safeguards, including increased reserves, payout delays, or transaction monitoring.

The Company shall not be liable for any losses arising from chargebacks, fraudulent transactions, or disputes related to the Administrator’s products or services.

33. Right to Refuse or Restrict Sales

Fitcrea d.o.o. reserves the right, at its sole discretion, to:

  • refuse, block, or decline any transaction,
  • restrict or limit the sale of specific products or services,
  • remove or suspend sales listings or offers,
  • disable or revoke access to sales or payment functionalities,

where the Company determines that there is a risk of:

  • fraud or suspicious activity,
  • violation of applicable laws or regulations,
  • excessive chargebacks or dispute rates,
  • harm to customers, third parties, or the Platform,
  • reputational or financial risk to the Company.

Such actions may be taken without prior notice where necessary to protect the Platform, users, or comply with legal or regulatory requirements.

The Company shall not be liable for any losses, damages, or lost revenue resulting from such actions.

34. Risk Monitoring and Enforcement

Fitcrea d.o.o. may monitor and evaluate risk indicators related to the use of the Platform, including but not limited to:

  • refund rates,
  • chargeback rates,
  • customer behavior and transaction patterns,
  • account activity and usage patterns,
  • other risk or compliance indicators.

If the Administrator exceeds acceptable risk thresholds, as determined by the Company at its sole discretion, Fitcrea d.o.o. may:

  • restrict or delay payouts,
  • impose additional safeguards (including reserves, verification, or transaction limits),
  • suspend or terminate the Administrator’s account,
  • limit access to certain Platform features or functionalities.

The Company may determine acceptable risk thresholds internally and modify them at any time without prior notice.

The Company shall not be liable for any consequences resulting from enforcement actions taken under this clause.

35. Tax and Accounting Treatment

Where Fitcrea d.o.o. acts as Merchant of Record:

  • Fitcrea d.o.o. shall issue invoices or receipts to end customers,
  • Fitcrea d.o.o. shall calculate, collect, and remit applicable taxes, including Value Added Tax (VAT), in accordance with the laws of the European Union and the Republic of Slovenia, including the One Stop Shop (OSS) scheme where applicable.

The Administrator acknowledges and agrees that:

  • payouts received from Fitcrea d.o.o. constitute income arising from a contractual relationship with Fitcrea d.o.o.,
  • the Administrator is solely responsible for the proper tax treatment, reporting, and compliance related to such income in their jurisdiction,
  • Fitcrea d.o.o. does not act as an employer, partner, or tax agent of the Administrator.

The Company shall not be liable for any tax obligations, reporting errors, or penalties incurred by the Administrator.

36. Changes to Business Model

Fitcrea d.o.o. reserves the right, at its sole discretion, to modify, replace, or discontinue the Merchant of Record model or any payment-related functionality at any time.

Such changes may include, without limitation:

  • transitioning to direct payment relationships between Administrators and their customers,
  • integrating alternative payment providers or processing models,
  • modifying the structure, calculation, or amount of fees, commissions, or charges.

Where required by applicable law, or where such changes materially affect Users, the Company will provide reasonable prior notice.

Continued use of the Platform after such changes shall constitute acceptance of the updated model.

The Company shall not be liable for any impact resulting from changes to the business model or payment structure.

37. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of Slovenia, without regard to its conflict of law principles.

Any disputes, claims, or controversies arising out of or relating to these Terms or the use of the Platform shall be subject to the exclusive jurisdiction of the competent courts in Ljubljana, Slovenia.

To the fullest extent permitted by applicable law, Users agree that:

  • disputes shall be resolved on an individual basis only,
  • they waive any right to participate in class actions, collective actions, or representative proceedings,
  • no claims may be brought as a member of a class or in a consolidated or representative action.

Nothing in this clause shall limit any mandatory consumer protection rights under applicable law.

38. Changes to Terms

Fitcrea d.o.o. reserves the right to modify or update these Terms at any time.

Where required by applicable law, or where changes materially affect Users’ rights or obligations, the Company will provide reasonable notice (e.g., via email, Platform notification, or website update).

Continued use of the Platform after such changes become effective constitutes acceptance of the updated Terms.

If a User does not agree with the updated Terms, they must discontinue use of the Platform.

39. Final Provisions

These Terms constitute the entire agreement between Fitcrea d.o.o. and the User regarding the use of the audienced Platform and supersede all prior agreements, understandings, or communications, whether written or oral.

If any provision of these Terms is held to be invalid, illegal, or unenforceable, such provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

The following provisions shall survive termination or expiration of these Terms:

  • limitation of liability,
  • indemnification,
  • intellectual property rights,
  • payment obligations,
  • dispute resolution,
  • and any other provisions which by their nature should survive.

In the event of any conflict between these Terms and other legal documents of the Platform, the following order of precedence shall apply:

  1. Data Processing Agreement (DPA), with respect to personal data protection matters,
  2. Specific agreements (e.g. Affiliate Agreement, Merchant of Record Agreement), with respect to matters governed by those agreements,
  3. These Terms of Service.

By using the Platform, the Administrator confirms that they have reviewed and accepted the Data Processing Agreement (DPA), which is available at the following link: DPA.

Company Information

Fitcrea d.o.o.
Reteče 68
4220 Škofja Loka
Slovenia

VAT ID: SI71901736
Email: info@audienced.io