Terms of Service

Last updated: November 12, 2026

Version number: 2026-11-12. Ask us if you would like to see an earlier one.

1. The scope of this agreement

This agreement, the Terms of Service ("Terms"), is made between you and Bidcrest Group LLC, called "Bidcrest Group", "we", "us" or "our" below.

It applies when you visit bidcrestgroup.com, our website, and when you buy or use any of our products.

Every visitor is bound by these Terms while using the website.

With each purchase, you tick an acceptance box before paying, and that is how you agree to these Terms, the Refund Policy and the Cancellation Policy.

Personal data is a separate subject, covered by our Privacy Policy.

Throughout these Terms, four words keep the same meaning:

• Whatever web app or digital learning content you purchase from us, on a subscription or with a single payment, is a "product": online lessons, guides, planners, progress dashboards and member areas all qualify.
• The "Services" means our website together with every one of our products.
• The "product page" is the page describing a product that you see before paying, along with the details about that product shown to you at that point, the payment page included.
• You are a "consumer" when you are an individual and your reason for buying or using the Services lies outside your trade, business, craft or profession.

Where a right in these Terms is limited to consumers in a given country or region, what decides whether you have it is the country you live in, never the language version of the website on your screen.

Anyone unwilling to accept these Terms should not use the website or purchase any of our products.

2. Who we are

Bidcrest Group LLC is the provider of the Services; it is a limited liability company formed in the United States under the laws of the State of Wyoming.

What we do: we design educational web apps and digital learning content, and consumers buy them from us.

Our principal office is at 8200 NW 41st Street, 2nd Floor, Doral, FL 33166, United States.

Anything to do with an order, access, billing, a cancellation, a refund, a withdrawal or a complaint belongs at support@bidcrestgroup.com.

For general enquiries and anything about privacy, use contact@bidcrestgroup.com.

Our support team replies within 48 business hours, Monday to Friday.

Even when a product carries a name of its own, Bidcrest Group LLC is the company that sells and runs it, for every product these Terms cover.

You will find our name, as seller, on every product page, together with a link to these Terms.

As seller, we answer for your purchase, for delivering it, for customer support and for any refund.

You can read more about the company in our Legal Notice.

3. Our products

Online lessons, guides, planners, progress dashboards, member areas: these are the kinds of educational web apps and digital learning content that we develop and sell.

All of it is supplied online. We have no physical goods for sale.

On the product page, before any payment, you can see:

• a description of what it mainly does, in which format and in which language;
• how long access, or each billing period, lasts;
• the full price and the currency it is in;
• whether you are subscribing or paying a single time.

For the complete list of what we show you before you pay, see How a purchase works.

Your right of withdrawal depends on the type of product, which is why each product page also states the type.

• A digital service is supplied over time. A web app and a member area are examples.
• Digital content arrives all at once, in one delivery, as a downloadable file does.

Where a product mixes both types, or where its page says nothing about its type, the rules for digital services apply.

The product information shown to you before payment is part of your contract and works alongside these Terms.

Under no circumstances does it take away any right you hold under these Terms or by law.

To use our products, you need a compatible device, an up-to-date web browser and a connection to the internet.

Where a product has technical requirements of its own, you will find them on its product page.

Our products are educational in nature, as explained in Learning material, not advice.

None of them is advice of a medical, psychological, nutritional, legal or financial kind, and none promises you a specific outcome.

4. Age and eligibility

The Services are meant for adults, so you must be 18 or older to buy or use them.

If the age of majority in your place of residence is above 18, that higher age is the one you must have reached.

We do not aim the Services at children under 18.

We never knowingly accept an order from a child, and we never knowingly collect a child's personal data.

Each purchase carries two confirmations from you: you meet this age requirement, and the payment method you give us is one you are entitled to use.

5. Countries, sanctions and other legal limits

Online delivery is the only way we supply our products.

Your nationality, place of residence or place of establishment is never a reason for us to block or restrict your access to our website, or to turn down your order, if you are a customer in the European Union or the European Economic Area.

Only the legal restrictions described in this section can override that.

Our products are not offered to consumers living in the United Kingdom, and we do not accept their orders, so when we identify such an order we cancel it, close access to the product and give back everything that was charged.

You are not allowed to buy or use the Services if:

• you are in, or ordinarily live in, a country or region subject to comprehensive sanctions under United States, European Union or United Nations law, or you hold the nationality of such a country or region and the applicable sanctions laws reach nationals; or
• your name is on any applicable sanctions list, or someone on such a list owns or controls you.

Every product and service we sell has its origin outside any country or region subject to comprehensive sanctions.

An order that we reasonably believe would break sanctions or export control laws may be refused, cancelled or refunded by us.

On that ground, cancelling always means refunding what was charged; the one exception is where sanctions law obliges us to block or hold the payment.

6. How a purchase works

Every purchase follows six steps:

• 1. Choose a product. Its product page sets out a description, the price and the terms, so please take time to read them. Before you can go on to payment, that page asks you to tick some boxes. One box confirms you are at least 18. If you are subscribing, a second box records that you agree to automatic renewal until you cancel. With digital content supplied in a single delivery, you tick a box requesting immediate supply, which also records your understanding that once supply has begun, your right of withdrawal is gone. If the product is a digital service, an optional box lets you ask us to begin straight away. We keep a record of what you choose.
• 2. Go to payment. You then land on a secure page operated by our payment processor and type in your email address and payment details.
• 3. Check your details. Right up to the moment you pay, everything you entered can be reviewed. Spotted an error? Correct it directly in the payment page fields, or step back to the product page.
• 4. Accept. Ticking the box on the payment page is your acceptance of these Terms, the Refund Policy and the Cancellation Policy.
• 5. Pay. Your click on the payment button, followed by authorization of the payment, concludes the contract.
• 6. Start using the product. Access happens online and opens once your payment is confirmed. The footer of each page keeps these Terms and our policies within reach.

Before payment, the product page and the payment page together show you:

• the product's key characteristics, together with its language and format;
• who is selling to you and how to get in touch;
• the full price you will pay, taxes included, and the currency it is charged in;
• which payment methods are accepted and whether availability is restricted anywhere, information you get no later than the beginning of the ordering process;
• whether it is a single payment or a subscription and, for a subscription, how much each charge is, how often it recurs, how to cancel and that no minimum term applies;
• the duration of your access, or of a single billing period;
• if a right of withdrawal applies to you, the way to exercise it and the events that can cut it short;
• a statement that the law guarantees the conformity of the product;
• any technical requirements particular to the product.

The contract can be concluded in English, French, Spanish, Italian or German, whichever you prefer.

We archive what you agreed to: the contract text plus the exact version of these Terms you accepted.

If you would like a copy, just ask at support@bidcrestgroup.com at any time.

Printing or saving these Terms is possible from this page at any moment.

We are not a signatory to any code of conduct.

Without your express consent, we will not take any payment on top of the price of the product you chose.

You will never find a box for an additional payment already ticked.

7. Agreeing online, and how we communicate

The agreement between us is electronic and binding: it is formed when you tick the acceptance box and finish your purchase, and it consists of these Terms, the Refund Policy and the Cancellation Policy.

Your acceptance is recorded on our side.

If you are a United States resident, accepting electronically is legally equivalent to signing by hand, to the extent applicable law permits.

You also agree that we may give you notices and information electronically: on our website, inside your product or at the email address you enter at checkout.

We may use the email address given at checkout to write to you about your purchase, your access or a request you made.

Writing to support@bidcrestgroup.com lets you withdraw this consent, or ask for any notice on paper, free of charge.

Our products exist only online, so if you withdraw this consent, your subscription stops when the paid period now running is over, and you are not charged for that.

Reaching your access and using our products takes an internet-connected device, an up-to-date web browser and an email account.

If your email address changes, please tell us, so that the one we hold is current.

8. What you pay and in which currency

You see the total price twice before paying: on the product page and on the payment page.

For a subscription, that figure is the price of one billing period.

If VAT applies, it is already inside the prices we display to consumers in the European Union and the European Economic Area.

Customers elsewhere see any applicable taxes on the payment page before paying.

Paying by card costs nothing extra.

Nothing gets added to the displayed price except taxes shown on the payment page and, should you choose to pay in your local currency, the exchange rate included in that option.

Look at the payment page to see which currency you will be charged in.

Where your card account runs in another currency, the conversion happens at your card issuer's own rate, and foreign transaction fees from the issuer may apply.

When you pay from a country whose currency is not the currency of the price, the payment page may let you pay in your local currency instead.

That conversion service is optional, and the rate it uses may contain a markup.

Choosing it does not stop your card issuer from charging foreign transaction fees.

Paying in the original currency of the price (for example USD) always stays available.

9. Payment

Payments are collected for us by one or more third-party payment processors, whose name appears on the secure payment page and on the receipt. The seller is Bidcrest Group LLC, which stays responsible for your order, its delivery, customer support and any refund.

You type your card details on an encrypted (HTTPS) payment page operated by our payment processor, a company certified under the Payment Card Industry Data Security Standard (PCI DSS). Our own systems never keep your full card number or security code, and we will never ask for card details by email.

We take the major credit and debit cards, including Visa and Mastercard. The payment page shows which methods you can use for your order before you confirm it.

A purchase is always billed in one go, as a single transaction for the displayed amount.

For every charge, our payment processor issues a receipt.

Charges from us show on your bank or card statement with a descriptor that includes "BIDCREST". The rest of the wording can change with the product and the bank.

If a charge leaves you unsure, turn to Questions about a charge, and chargebacks.

10. One-time purchases

The access period of a one-time purchase is stated on its product page: 12 months from the purchase date is one example.

You are charged a single time and, unlike a subscription, nothing renews by itself.

At the end of the access period your access ends too, with no further charge.

Throughout that period, the product you bought is yours to access and use under a personal license, which you cannot transfer to anyone.

Buying it does not transfer ownership of the product or its content to you.

Ownership and the license we grant you describes this license in detail.

For a valid reason, we may have to discontinue a product before your access period is over: for example, a legal requirement, a security risk, or technical reasons that make continuing to provide the product impossible or unreasonable for us.

You then get notice at least 30 days ahead, or shorter notice only where the reason demands it, plus a refund of the portion of the price covering the unused period.

Your legal guarantee rights remain fully intact in that situation.

11. Automatic renewal of subscriptions

Subscriptions run with no end date and no minimum term. Each billing period shown before you pay is charged in advance, and you can cancel online at any time, effective at the end of the period already paid.

As long as you do not cancel, the subscription renews by itself at the end of every billing period.

We bill every renewal at the frequency and price you saw at checkout; once a price change has been made under Subscription price changes, the new price is what we bill.

Subscribing gives us and our third-party payment processor(s) your authorization to charge your payment method for every renewal until you cancel; that authorization is kept on record.

To keep your subscription going without interruption, your card issuer may pass us updated card details, a new expiry date for example.

You can find these subscription terms in the footer of every page at any time.

Online cancellation is open to you at any moment via the “Cancel contracts here” page.

The timing and effect of cancelling are explained in Cancelling a contract.

Two situations count as a cancellation and stop future renewals straight away: you, your card issuer or the card network asks us to stop charging; or your bank stops the payments or revokes your authorization.

If a renewal payment is declined, a period of at least 7 days follows, during which you can cancel or put in a new payment method.

Should it still not go through by the end of that period, our Cancellation Policy explains how we may then end the subscription.

If you live in Germany and your billing period is longer than one month: after the first billing period you may cancel at any time on one month's notice. The subscription then ends one month after your notice or at the end of the current billing period, whichever is sooner, and we refund any prepaid amount covering the time after it ends.

12. Subscription price changes

We may change a subscription price for future billing periods. Before we do, we will tell you at least 25 and no more than 30 days ahead, showing the price today, the new price, the date it would start and how to cancel. A higher price only applies if you accept it. If you do not, we keep charging the current price and the subscription continues on its present terms until you or we end it under these Terms. If you accept an increase and then think better of it, you may cancel within 14 days of the first charge at the new price, and we will refund the unused part of that billing period. Lower prices apply automatically.

13. Cancelling a contract

You can cancel whenever you like on our cancellation page (“Cancel contracts here”, linked in the footer of every page) or by emailing support@bidcrestgroup.com, preferably from the address used at checkout. You don't have to explain why, and any clear request to cancel is accepted.

Cancel contracts here

Cancelling carries no penalty, and it works through the same channel you used to subscribe, which is online.

A cancellation takes effect the moment it reaches us: automatic renewal ends and no further renewal is charged. You keep access until the end of the period you have already paid for. Any renewal charged after your request arrived is refunded in full.

When you cancel on our cancellation page, the screen shows a confirmation with the date and time your request reached us, ready to print or save. A request sent by email counts from the moment we receive it, and we reply within 48 business hours.

Where the law entitles you to end a contract immediately for good cause, choose cancellation for good cause on the cancellation page and give your reason.

Any prepaid amount for the time after the end date comes back to you where the law so provides.

A purchase with a defined access period ends on its own when the period is over, so there is nothing to cancel.

The same cancellation page also accepts your notice if the law lets you bring such a purchase to an earlier end.

Cancelling only stops future renewals; withdrawing from a contract and requesting a refund are separate steps.

You will find both in Getting your money back, and withdrawing, and the whole picture in our Cancellation Policy.

14. Our right to end a contract

We are allowed to end a subscription with no reason given, as long as you have had at least 30 days' notice from us.

In that case it ends with the first billing period that closes at least 30 days after our notice, and no renewal is charged after that.

Contracts can also be ended by us for a valid reason. Fraud, misuse of the Services, a legal requirement and a serious or repeated breach of these Terms are examples.

We will tell you what the reason is, except where the law prevents it.

We end a one-time purchase before its access period is over in just two cases.

Either we have to discontinue the product as described in One-time purchases, or a valid reason under this section applies.

Ending a contract on our side always means returning what you prepaid for the time after the end date.

Where that prepaid money sits inside a charge that is the subject of an open payment dispute, the dispute process (see Questions about a charge, and chargebacks) decides what happens to it.

There are only two situations in which your access may be suspended at once: the cases listed under Suspension of access, and an open payment dispute, which Questions about a charge, and chargebacks covers.

Ending a contract with immediate effect is reserved for three grounds: fraud, a serious breach of these Terms, and a legal requirement.

15. Getting your money back, and withdrawing

Our 7-day refund policy: for 7 days after any charge, you may ask us to refund that charge in full, even if you have started using the product. This is a voluntary extra that sits alongside your statutory rights, including any statutory right of withdrawal, and never limits them.

To ask for a refund, write to support@bidcrestgroup.com.

If possible, send it from the email address you bought with, or else include that address in your message.

Our support team replies within 48 business hours, Monday to Friday.

We cancel a subscription whenever we refund one of its charges at your request, unless you tell us you would rather keep it running.

An approved refund is paid back to the original payment method, in the same amount and currency as the charge, within 5 business days of approval (and, for a statutory withdrawal, no later than 14 days after we receive your notice). Banks may need 5–10 business days to display the credit. Refunds are never paid in cash.

Your card issuer may have converted the original charge into another currency, and it may use its own exchange rate again for the refund.

As a result, the credit in your card's currency can differ slightly from the amount first debited.

If a refund cannot reach the original payment method (because the card account has been closed, for example), we will contact you and pay it back by another secure method in your name.

Should we fail to supply the product as described, or charge you in a way these Terms do not permit, the full amount charged is refunded.

If you are a consumer in the European Union or the European Economic Area, the law gives you 14 days from the conclusion of your contract to withdraw from it, without stating a reason. Those 14 days run from your first purchase; a renewal does not restart them. You can withdraw on our withdrawal page (“Withdraw from contract here”, linked in the footer of every page) or by emailing support@bidcrestgroup.com.

Withdraw from contract here

Things work differently for digital content supplied in a single delivery.

There, your right of withdrawal ends when supply begins, provided all three of the following took place:

• immediate supply was something you expressly requested;
• you confirmed you understood that the right of withdrawal would be lost as a result;
• we gave you confirmation of this on a durable medium.

Digital services, which include subscriptions, keep the right of withdrawal available throughout all 14 days.

Where you had asked for an immediate start, withdrawing costs you only a proportionate sum, covering the time that passed until your withdrawal.

If we have no record of an express request from you, you get everything back.

Inside 7 days of a charge, there is also the option of claiming a full refund through our 7-day refund policy instead.

A fresh withdrawal period opens with every new contract, which is what you make when you buy a different product or plan.

Customers who live beyond the European Union and the European Economic Area are also covered by our 7-day refund policy, and they keep whatever rights the mandatory law of their country of residence gives them.

Our Refund Policy and Right of Withdrawal page go through everything in detail.

The Refund Policy lists the only two cases where our voluntary policy lets us say no to a refund: an open chargeback concerning the same charge, or clear evidence of fraud or abuse.

Neither case can restrict your statutory rights.

16. Delivery and access

All our products are digital and nothing is sent by post. Access is online and opens as soon as your payment is confirmed.

Where your bank requires additional authentication, payment confirmation may take a little longer.

We never split an order into several deliveries.

With a subscription or a purchase that has an access period, your access stays open for each period you have paid for.

The content may be updated or expanded by us as time goes on.

We only charge for products that you can access at the time you buy them.

Can't find your access, or the product won't load? Email support@bidcrestgroup.com. We will get your access working again or, if we cannot, cancel the order and refund it.

For the finer points, read our Delivery & Access Policy.

17. Your access and the records we keep

Please keep your access to yourself and confidential.

A useful habit is to bookmark the page once your product is open, so getting back to it is easy.

If you suspect that someone has used your access without your permission, let us know quickly at support@bidcrestgroup.com.

To provide the Services, deliver and protect your access, and handle payments, complaints, disputes and chargebacks, we collect and keep the following kinds of data:

• data that identifies you, like your email address and your name;
• technical data: access and activity logs, timestamps, IP addresses, and information about your device and browser;
• usage data;
• information picked up by cookies, pixels and similar technologies on our product pages (where the law demands consent, we collect it only once you have given it).

Should a complaint, claim, payment dispute or chargeback arise, these records are our evidence.

From them, it is possible to see your order, your acceptance of our Terms and policies, the moment your access became available and every later use of it.

Where needed for that purpose, we compile them into a file and pass it to banks, card networks and payment processors.

Retention periods for these records appear in our Privacy Policy; they are set so as to cover the time limits for legal claims and payment disputes.

18. Acceptable use

You may use the Services only in line with these Terms, lawfully, and for personal, non-commercial purposes.

In particular, you are not allowed to:

• pass your product or access on to anyone, whether by sharing, reselling or sublicensing it, or let other people use either of them;
• copy, record, download, publish or distribute our content (a product that expressly allows downloads for your personal use is the only exception);
• decompile, alter or reverse engineer our software, save where the law expressly permits;
• use bots, scrapers or other automated tools to access the Services, or overload or disrupt them;
• bypass security or access controls, or attempt unauthorized access to the Services, our systems or the data of other users;
• upload harmful code of any kind, such as viruses;
• pay by a method that you have no authorization to use;
• infringe anyone's rights, or break the law, through your use of the Services.

Certain products include space where you can create or store your own notes, plans or other content.

Responsibility for that content is yours; it must not be unlawful, and it must not infringe anybody else's rights.

If you find content in our Services that you think is unlawful, report it to support@bidcrestgroup.com, telling us where it is and why you think so.

Whenever we restrict or remove content or access on the ground that it is unlawful or breaches these Terms, you are told the reason and how to ask for the decision to be reviewed.

19. Ownership and the license we grant you

All the content, software, texts, designs, graphics, audio, video and other materials in the Services belong to Bidcrest Group LLC or are licensed to it.

Copyright and other intellectual property laws protect all of them.

With each purchase, we grant you a personal, non-exclusive, non-transferable license to access and use the product for your own personal, non-commercial purposes.

Its duration depends on the purchase: the access period for a one-time purchase, and the time a subscription stays active and paid for a subscription.

Once that access period or subscription is over, or if the contract is ended under these Terms, the license comes to an end too.

Buying a product does not make you its owner, or the owner of any intellectual property in it.

Beyond this license, no right in our software or content passes to you.

Where a product lets you create or upload content of your own, your rights in that content stay with you.

All you allow us to do with it is store it and use it as far as needed to provide the product to you.

When your contract ends, we stop using the content you created or uploaded, unless the law allows otherwise.

It makes no difference how the contract ended: by withdrawal, by your decision because of a lack of conformity or a change to the Services, or otherwise.

Ask us and you get that content back in a commonly used, machine-readable format, within a reasonable time and at no cost.

20. Learning material, not advice

21. Legal guarantee and statutory rights

Your statutory rights. If you are a consumer, every right that the mandatory law of your country of residence grants you remains yours, whatever our Terms of Service or our policies say.

If you live in the EU or the EEA

For digital content and digital services, consumers in the EU or the EEA have a legal guarantee of conformity under the law of their country of residence, and you benefit from it.

What we answer for varies with the way a product reaches you:

• a single delivery of digital content: any lack of conformity already there when we supply it;
• a subscription or a purchase with an access period: any lack of conformity that appears or becomes noticeable at any point while we are supplying it.

Bringing the product into conformity is something we do at your request, without charging you.

If the law permits, a price reduction is open to you too, as is ending the contract with your money back.

We supply the updates, security updates included, needed to keep the product in conformity.

We do so for the whole subscription period, or the whole access period for a purchase with a defined access period, and, for digital content supplied in a single delivery, for as long as you can reasonably expect.

What French law asks us to tell consumers in France

French law requires us to give consumers living in France the information on the legal guarantees set out below.

Subscriptions and purchases with an access period, which involve continuous supply, have one box; digital content supplied in a single delivery has the other.

Subscriptions and access-period purchases (continuous supply)

One-off delivery of digital content

How to rely on these rights

To rely on any of these rights, simply write to support@bidcrestgroup.com.

Doing so is free, and it never puts you at any disadvantage.

22. Changes to the Services

Security, legal requirements, technical developments and product improvements are the kind of valid reasons that may prompt us to change a product's features.

These changes cost you nothing extra, and we inform you of them in a clear way.

The main features of your subscription have extra protection under Changes to these Terms: we may change them only with your express acceptance.

Absent that acceptance, the subscription stays exactly as it is until either of us ends it as these Terms allow.

Should keeping the product going on those terms be impossible for us, Our right to end a contract sets out how we may end your subscription; any amount prepaid for the time after the end date is returned to you.

Changes that harm your access to the product, or your use of it, more than minimally are announced at least 25 and no more than 30 days before they apply.

You may then end the contract without charge, and you have 30 days to do so, counting from the notice or from the change itself, whichever is the later date.

If that is your reason for ending it, we also refund the unused part of any prepaid period.

For a change the law requires, or one that security reasons make urgent, the notice may be shorter, and you keep the right to end the contract free of charge.

23. Interruptions and events outside our control

We aim to keep the Services available without interruption.

Maintenance, updates or security reasons may still require us to interrupt them, and we keep any such interruption as short as we reasonably can.

Some events lie outside our reasonable control: natural disasters, cyberattacks we could not reasonably have prevented, acts of public authorities, or major breakdowns of the internet or public networks, for example. We are not responsible for delays or failures they cause.

If such an event occurs, we inform you as soon as possible and bring the Services back as soon as we are able to.

Should the Services be unavailable for more than 14 consecutive days, you may cancel, and we refund the unused part of your paid period, counting the days of unavailability as unused.

Nothing here touches the legal guarantee or any other statutory right you have.

24. Third-party providers and links

We work with outside providers to run the Services, among them our payment processor(s) and our hosting and email delivery providers, and they act on our behalf.

Even when a third-party provider is involved, we remain the party responsible to you for our products, their delivery, customer support and refunds.

You can see who our payment processor is on the payment page, where you also find links to that processor's own terms and privacy notice; those documents govern your use of that page.

Our website may contain links to third-party websites, and we are not responsible for what those sites publish.

25. Disclaimer of warranties

Except as these Terms expressly provide, and to the extent applicable law permits, we supply our Services "as is" and "as available", with no other express or implied warranties.

Errors and interruptions may happen; we make no promise that they will not.

This section does not limit the legal guarantee or your statutory rights, which are set out in Legal guarantee and statutory rights.

26. Limits on our liability

Nothing in these Terms limits or excludes our liability for:

• personal injury or death that our negligence caused;
• fraudulent misrepresentation or any other fraud;
• gross negligence or intent;
• anything else for which the law forbids excluding or limiting liability.

Consumers in the European Union or the European Economic Area: the mandatory law of your country of residence decides our liability towards you.

None of the limitations in this section reaches you, the ones in its last paragraph included, with the sole exception of those written specifically for consumers in Germany.

Consumers in Germany can hold us liable without any cap for injury to life, body or health, for gross negligence and for intent.

Where only slight negligence is involved, our liability to them is limited in two ways: it requires a breach of an essential contractual obligation, and it cannot exceed the foreseeable damage typical for this type of contract.

By essential, we mean an obligation that must be fulfilled for the contract to be properly performed at all, and on whose fulfilment you may regularly rely.

Mandatory product liability law applies regardless.

If you live outside the European Union and the European Economic Area, two limits apply to you, as far as the law of your country of residence permits: first, we do not answer for indirect or consequential loss (lost profits or lost business opportunities, for example); second, for all claims relating to the Services taken together, we never owe more than what you paid us during the 12 months before the event giving rise to the claim. Where the law makes a consumer right immune from limitation, that right is unaffected.

27. Your responsibility for misuse

Suppose you misuse the Services on purpose or use them unlawfully, by attacking our systems or redistributing paid content, say. You must then cover the losses and reasonable costs we suffer as a result, to the extent the law of your country of residence permits.

Consumers in the European Union or the European Economic Area are liable under this section only for losses that their intentional misuse of the Services caused.

Costs arising from a chargeback or payment dispute fall outside this section in every case.

Disputing a payment is free as far as we are concerned, and so is getting your access restored after a dispute.

28. Questions about a charge, and chargebacks

Questions about a charge? Please email support@bidcrestgroup.com before anything else. In 48 business hours or less we can clarify the charge, end a subscription or arrange a refund under our policies. We ask this as a favour only: you keep every right to contact your card issuer or open a dispute whenever you choose.

For some issues, the rules of the card networks may also ask you to try settling the matter with us first.

Charges from us show on your bank or card statement with a descriptor that includes "BIDCREST". The rest of the wording can change with the product and the bank.

Seeing a charge you don't recognise? Send support@bidcrestgroup.com the date, the amount and the last four digits of the card used. Do not send the full card number or the security code.

Sometimes we conclude that a charge was made without the cardholder's authorization.

When that happens, the related subscription is cancelled and access to the product is closed.

We also refund that charge in full, as long as no chargeback has been opened for it.

When a payment is disputed, reversed or reported as unauthorised, we answer using the information described in our Privacy Policy. This covers records of your order, of your acceptance of our Terms and policies, of the delivery of your access and of your access to and use of the product (such as IP addresses, device and browser details, timestamps, access and activity logs and support messages). We pass it, through our payment processor, to the acquiring bank, the card network and your card issuer.

While a payment dispute (chargeback) about a purchase is open, we may pause access to the product concerned. A dispute about a subscription payment also ends that subscription's future renewals. If the dispute is withdrawn or decided in our favour, your access is restored for the period you paid for.

As long as a chargeback is open, the disputed charge cannot also be refunded separately, since the dispute process of your card issuer decides it.

Suppose the chargeback is closed and the money has not come back to you: if our policies or the law give you a right to a refund, we pay it at that stage.

Withdrawing a dispute is never a condition we set for refunding you.

Without your express authorization, a disputed amount is never charged a second time.

29. Suspension of access

Four situations allow us to suspend all or part of your access to a product:

• you seriously breach a provision of these Terms, including the Acceptable use rules;
• there are reasonable grounds for us to suspect fraud, or that a payment method is being used without authorization;
• other people are given your access or login details;
• a competent authority or the law makes suspension necessary.

A suspension never goes further than its reason justifies, and it is lifted once that reason disappears.

We explain why we suspended access, unless the law forbids it or the explanation would compromise security.

Whether you contacted your bank or card issuer before contacting us has no bearing on a suspension.

For your access while a payment dispute is open, see Questions about a charge, and chargebacks.

30. Reviews you publish

Honest reviews of our products or services are yours to publish, and these Terms do nothing to restrict that.

On websites, apps or channels that we control, content may be removed or left unpublished by us where it is clearly false or misleading, unrelated to our products, unlawful or abusive, or where it reveals personal or confidential information.

The same criteria apply to positive reviews and to negative ones.

A refund, a cancellation or support never depends on you removing a review or holding one back.

31. Complaints

Please send any complaint to support@bidcrestgroup.com.

Each complaint is given a reference number, which appears in our reply.

Our reply comes within 48 business hours and, at the very latest, 15 days after the complaint reaches us.

If you prefer post, you can send a complaint to our principal office: Bidcrest Group LLC, 8200 NW 41st Street, 2nd Floor, Doral, FL 33166, United States.

A human being, not an automated system, reads and answers each complaint.

32. United States residents: resolving a dispute

If you live in the United States and a dispute arises between us, please begin by sending a written notice to support@bidcrestgroup.com that explains the problem and what you would like us to do.

Our aim is then to settle things within 30 days after your notice reaches us.

This is a request rather than a requirement.

Your right to dispute a charge with your card issuer, and to file an individual claim in a small claims court near you, stays intact.

Arbitration is never compulsory for you under these Terms.

If you are a consumer in the European Union or the European Economic Area, this section is not for you.

33. Governing law and courts

Wyoming law (the laws of the State of Wyoming, United States) governs these Terms and every contract you make with us; Wyoming's conflict-of-law rules are not applied.

Even with this choice of law, the mandatory provisions of the law of your country of residence continue to protect you as a consumer.

As a consumer living in the European Union or the European Economic Area, or wherever the mandatory law of your country of residence grants you this right, you can take us to court in your country of residence.

For our part, we may then sue you nowhere but in the courts of your country of residence.

Consumers may also choose, without being required to, the state or federal courts located in Wyoming.

United States consumers whose state law grants them the right may, in addition, take a claim to the courts where they live.

Whatever these Terms say, every out-of-court or court remedy the law gives you remains open to you.

34. Changes to these Terms

We may update these Terms, for instance because the law, our Services or our way of working has changed.

The top of this page shows the date and version number of each version.

Material changes are announced to customers with an active subscription or access period no less than 25 and no more than 30 days ahead of taking effect.

For changes the law requires, the law fixes the date.

Billing periods and access periods that you have already paid for stay under the old version, unless the law requires a change to apply to them earlier.

A price increase needs your acceptance, as set out in Subscription price changes.

Changing the main features of your subscription is different: it takes your express acceptance, which we request no less than 25 and no more than 30 days before the change would apply.

If you do not accept, the subscription keeps its current terms until one of us ends it under these Terms.

Cancelling is always an option before a change applies; Cancelling a contract explains how.

If you have a subscription, we never read your continued use of the Services as acceptance of a change.

Visitors who simply use the website are bound by updated Terms from the date at the top of this page.

35. Language versions

These Terms exist in English, French, Spanish, Italian and German, and each language version is binding. If two versions disagree, the one most favourable to you as a consumer prevails.

Whichever of the five languages you write in, our customer support can help you in it.

36. General provisions

Entire agreement. For your purchase, the agreement between us is complete with four elements: these Terms, the Refund Policy, the Cancellation Policy, and what the product page and checkout showed you before payment.

The Privacy Policy, our explanation of how personal data is handled, sits outside this agreement.

None of this limits a right the law gives you in connection with statements we made about the product.

Invalid provisions. Should a court or authority decide that a provision of these Terms is invalid or cannot be enforced, the applicable statutory rules take its place, and every other provision keeps its force.

Assignment. Should we sell our business, for example, we may transfer to another company our rights and obligations under these Terms.

Such a transfer is announced to you beforehand and leaves your consumer rights undiminished.

Objecting to it entitles you to end your contract at once, in which case you get back the amount prepaid for the time after the end date.

You may not transfer your access, your license or your account to another person, since they are personal to you.

No waiver. Delay in enforcing a right does not mean we give it up; we may still enforce it at a later date.

Notices. We may give you notices within the product or on our website.

You can give notices to us by email at support@bidcrestgroup.com or by post at our principal office.

Survival. After a contract ends, provisions meant by their nature to outlive it stay in force; examples include governing law, liability, intellectual property, account closure, and billing questions and payment disputes.

Account closure. Whenever you like, a message to support@bidcrestgroup.com is enough to have your account closed or your access ended.

Any subscription still active is cancelled along with the account (see Cancelling a contract).

After closure, we delete or anonymize your personal data, with two exceptions described in our Privacy Policy.

Those exceptions are the records we are legally obliged to retain, and the evidence of your purchase, acceptance, delivery, access and use, held for as long as the time limits for legal claims and payment disputes run.

37. Contact details

Write to support@bidcrestgroup.com about your orders, billing, cancellations, refunds, withdrawals, complaints or these Terms.

For privacy requests and general enquiries, the address to use is contact@bidcrestgroup.com.

Our support team replies within 48 business hours, Monday to Friday.

Bidcrest Group LLC
8200 NW 41st Street, 2nd Floor, Doral, FL 33166, United States
Support: support@bidcrestgroup.com
Privacy and general enquiries: contact@bidcrestgroup.com
Website: https://bidcrestgroup.com/