1. Who we are
These Terms and Conditions ("Terms") govern your use of the ATJ Research members area at https://member.atjresearch.com (the "Service") and your membership. The Service is operated by ATJ Traders s.r.o., company ID (IČO) 21360588, with its registered office at Šafránkova 1238/1, Stodůlky, 155 00 Praha, Czech Republic, registered in the Commercial Register kept by the Municipal Court in Prague, file no. C 400740 ("ATJ Research", "we", "us"). You can reach us at [email protected].
By creating an account you agree to these Terms. By activating a membership you also agree to the Refund Policy and confirm that you have read the Financial Risk Disclaimer. Both form part of these Terms.
2. The membership
We offer one membership. While it is active it gives you access to:
- our online courses;
- the web applications in the members area (market analytics and simulators);
- files offered for download to members;
- read-only access to our private GitHub repositories, through the GitHub account you connect;
- the members' role and channels on our Discord server, through the Discord account you connect;
- licence keys for our desktop applications, for up to 2 of your own machines at a time.
Everything in the membership is educational material and software tooling. None of it is investment advice; see section 9 and the Financial Risk Disclaimer. We develop the Service continuously and may add, change or retire individual courses, applications, files or data sources. We will not remove the substance of the membership without giving you the chance to cancel first.
3. Your account
- You must be at least 18 years old and able to enter into a binding contract.
- An account is for one person. You may not share your login, licence keys, API tokens or repository access, and you may not resell or sublicense any part of the membership.
- Keep your sign-in details secure and your email address up to date: we use it for receipts-related notices, security notices and changes to these Terms. Tell us promptly if you suspect someone else has used your account.
- You may sign in with an email address and password or with Google. Members who joined through our previous website may continue to sign in with Wix while their existing plan runs.
4. Price and payment
The membership costs €34.89 / month, VAT included. The price includes VAT and any other indirect tax that applies where you live. There is no setup fee. In some countries the checkout shows the price converted into your local currency; the amount shown at checkout is the amount you pay.
Payments are handled by Stripe Managed Payments. The Stripe group company named at checkout (operating as "Link") acts as the merchant of record: it sells the membership to you as our authorised reseller, charges your payment method, calculates and remits the tax, issues your receipt and invoice, and provides support for the payment itself. Its own terms apply to the payment transaction and are shown to you at checkout. We never receive or store your card details. We remain responsible for providing the membership itself.
Promotion codes, when offered, apply as stated at checkout and cannot be exchanged for money.
5. Renewal and cancellation
- The membership is a subscription. It renews automatically every month at the price then in force until you cancel. We will tell you by email at least 14 days before any price increase takes effect.
- You can cancel at any time, without giving a reason, on the Subscriptions page of your account ("Manage subscription") or at link.com. Cancelling stops future charges. Your access continues until the end of the period you have already paid for; payments for a period that has started are not refunded except as the Refund Policy provides.
- If a renewal payment fails, the payment is retried for a limited time and you will be asked to update your payment method. If it still cannot be collected, the membership ends.
- When the membership ends, access to the courses, applications, downloads, private repositories and the members' Discord role ends with it, and desktop licence keys stop renewing (section 7).
6. Immediate access and your right of withdrawal
If you are a consumer in the European Union you normally have 14 days to withdraw from a contract concluded online. The membership consists of digital content and digital services that we make available immediately after payment. Before you pay, we therefore ask you to confirm the following, and the checkout cannot start without it:
“I request immediate access to the membership and understand that I lose my 14-day right of withdrawal once access begins.”
By confirming, you give your express consent to performance beginning before the withdrawal period ends and acknowledge that you thereby lose the right of withdrawal, in accordance with section 1837 of the Czech Civil Code. We record your confirmation and repeat it in the welcome email. Independently of the statutory right, we offer the voluntary refund described in the Refund Policy.
7. Licence to our content and software
- All courses, texts, videos, files, source code, applications and data presentation in the Service belong to us or our licensors. For the duration of your membership we grant you a personal, non-exclusive, non-transferable licence to use them for your own education and your own trading research.
- You may not copy, publish, redistribute, resell or make them available to others, in whole or in part, including by uploading them to public or shared repositories, file-sharing services or AI training datasets.
- Source code in our private repositories is provided for your own use. You may run and modify it for yourself; you may not distribute it or derivatives of it.
- Desktop licence keys are issued for machines you personally use, up to 2 at a time. Keys are time-limited and renew automatically while the membership is active. When it ends, keys are not renewed and the desktop applications stop working when the current key expires.
- Files you downloaded while you were a member may be kept for your personal use after the membership ends. The licence remains personal and non-transferable, and the restrictions above continue to apply.
8. Acceptable use
You agree not to:
- share access, or let anyone else use your account, keys, tokens or invitations;
- scrape, bulk-download or systematically extract content or data from the Service, or use automated means to access it other than through interfaces we provide for that purpose;
- attempt to circumvent access controls, licence checks, rate limits or usage limits;
- interfere with the operation or security of the Service, or use it to break the law or the terms of a third party (including exchanges, brokers and data providers);
- use the members' Discord server to harass others, to advertise, or to solicit investments.
9. No investment advice
We are not an investment firm, broker, portfolio manager or financial adviser, and we are not supervised as one. Nothing in the Service is a personal recommendation, an offer or a solicitation to buy or sell any financial instrument. Market data, calculations, screeners, simulations and backtests are provided for education and research, may be delayed or inaccurate, and say nothing reliable about future results. All trading decisions are yours alone. Please read the Financial Risk Disclaimer in full.
10. Availability and third-party services
We aim to keep the Service available but do not guarantee uninterrupted operation. Parts of it depend on third parties we do not control, including exchanges and brokers that supply market data, Stripe, GitHub, Discord and Google. Their outages, changes or restrictions may affect the Service, and your use of their services is subject to their own terms. We may carry out maintenance and will try to keep disruption short.
11. Our liability
- Nothing in these Terms limits liability that cannot be limited by law, including liability for harm caused intentionally or by gross negligence, or for injury to a person's natural rights, nor any mandatory rights you have as a consumer.
- Subject to that, we are not liable for trading or investment losses, lost profits or lost opportunities, whether or not they follow from using information, data, software or signals obtained through the Service.
- Subject to the first point, our total liability to you in connection with the membership is limited to the amount you paid for it in the twelve months before the event giving rise to the claim.
12. Defects and complaints
If the Service does not work as described, tell us at [email protected] and describe the problem. As a consumer you have the statutory rights arising from defective performance under the Czech Civil Code; we will handle your complaint without undue delay and within 30 days at the latest. Questions about a charge, a receipt or an invoice can also be raised with the merchant of record through the link in your receipt.
13. Suspension and termination by us
We may suspend or end your membership if you materially breach these Terms (in particular sections 3, 7 and 8), if a payment is reversed or disputed without justification, or if we are required to by law. Where the breach can be remedied we will first ask you to remedy it. If we end your membership for a reason other than your breach, we will refund the unused part of the period you have paid for.
14. Personal data
How we process your personal data, including the usage log that refund decisions rely on, who receives your data and what rights you have, is set out in our Privacy Policy. Payment data is processed by the merchant of record under its own privacy policy. You can delete your account at any time on the Account page.
15. Changes to these Terms
We may change these Terms for good reason, for example when the Service, the law or our providers change. We will email you at least 14 days before a change takes effect. If you do not agree, you may cancel before that date and your membership will end at the close of the period you have paid for. The version identifier at the top of this page identifies the text you accepted.
16. Governing law and disputes
These Terms are governed by the law of the Czech Republic. If you are a consumer habitually resident in another EU member state, you keep the protection of the mandatory consumer provisions of that state. Disputes are decided by the Czech courts, without prejudice to any right you have as a consumer to bring proceedings where you live. Consumers may also use out-of-court dispute resolution before the Czech Trade Inspection Authority (Česká obchodní inspekce, www.coi.cz).
If any provision of these Terms is found invalid, the rest remains in force.