Terms of Service

1. Company Information

Business Name: Leoš Mikulka
Registration Number (IČO): 23078928
Registered Address: Krajinova 1006/88, 674 01 Třebíč
Email: mikulkal@atlas.cz

2. Services Description

Koblich Chronicles provides an interactive stock trading tracker and model book service with charts, statistics, and educational content for traders. Our platform is for educational purposes only and does not provide investment advice or recommendations.

3. Payment Terms

3.1 Donation Payments with PayPal

We accept donations through PayPal, a secure and globally trusted payment processor. When making a donation, you may be redirected to the PayPal website or presented with PayPal's embedded payment interface to complete your transaction securely.

3.2 Payment Methods

Through PayPal, we accept the following payment methods:

• Credit/Debit Cards (Visa, Mastercard, American Express)
• PayPal Balance
• Bank Accounts linked to PayPal
• PayPal Credit (where available)
• Venmo (in supported regions)

Secure payments powered by:

3.3 Processing Time

Donations are typically processed immediately. You will receive confirmation of your donation via email once the payment is complete. PayPal will provide an instant receipt, and we may send an additional donation acknowledgment within 24 hours.

3.4 Currency & Cross-Border Transactions

We accept donations in various currencies including USD, EUR, and CZK. If you choose to donate in a currency different from your primary payment method currency, PayPal may apply a currency conversion fee according to their current rates. These conversion fees are determined solely by PayPal and are not within our control.

3.5 Fulfillment Information

Donations are processed before any premium service is provided. After your payment is confirmed, you will immediately gain access to any associated benefits (such as premium content access if applicable). There is no physical delivery required as all services are provided digitally through our platform.

3.6 Refund Policy

As donations are voluntary contributions to support our service, they are generally non-refundable. However, in case of accidental or duplicate donations, please contact us within 7 days of the transaction, and we will consider refund requests on a case-by-case basis.

4. Service Usage

Koblich Chronicles provides an educational platform for learning about stock trading patterns and performance tracking. All content is provided for informational and educational purposes only. Users agree not to:

• Reproduce, duplicate, or resell any portion of the service without permission
• Use the service for any illegal purpose
• Attempt to gain unauthorized access to any portion of the service
• Harass, abuse, or harm another person through use of the service

5. Intellectual Property

All content, features, and functionality of Koblich Chronicles, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of Leoš Mikulka and are protected by international copyright, trademark, and other intellectual property laws.

6. Limitation of Liability

Koblich Chronicles is provided on an "as is" and "as available" basis. We make no warranties, expressed or implied, regarding the operation or availability of the service. In no event shall we be liable for any indirect, incidental, special, consequential or punitive damages.

7. User Data and Privacy

We collect and process user data in accordance with our Privacy Policy. By using our service, you consent to such processing and you warrant that all data provided by you is accurate.

7.1 PayPal Data Handling

When making a donation through PayPal, your payment information is handled directly by PayPal and subject to their privacy practices and security measures. We do not store your complete payment details on our servers. For more information about how PayPal processes your personal data, please refer to PayPal's Privacy Policy.

8. Governing Law

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

9. Changes to Terms

We reserve the right to modify these terms at any time. We will provide notice of any significant changes by updating the "Last Updated" date at the top of this page. Your continued use of the Service after such modifications constitutes your acceptance of the revised terms.

10. Contact Information

If you have any questions about these Terms, please contact us at:
Email: mikulkal@atlas.cz