Effective Date: June 26th, 2026
Site Covered: speakingclub.com

THE AGREEMENT: The use of this website and the services on this website provided by Speaking Club (hereinafter referred to as "Company") are subject to the following Terms & Conditions (hereinafter the "Agreement"), all parts and sub-parts of which are specifically incorporated by reference here. This Agreement shall govern the use of all pages on this website (hereinafter collectively referred to as "Website") and any services provided by or on this Website ("Services").

1) DEFINITIONS

The parties referred to in this Agreement shall be defined as follows:

• a) Company, Us, We: The Company, as the creator, operator, and publisher of the Website, makes the Website, and certain Services on it, available to users. Speaking Club, Company, Us, We, Our, Ours and other first-person pronouns will refer to the Company, as well as all employees and affiliates of the Company. The Company is operated by Boris Da Silva.
• b) You, the User, the Client: You, as the user of the Website, will be referred to throughout this Agreement with second-person pronouns such as You, Your, Yours, or as User or Client.
• c) Parties: Collectively, the parties to this Agreement (the Company and You) will be referred to as Parties.

2) ASSENT & ACCEPTANCE

By using the Website, You warrant that You have read and reviewed this Agreement and that You agree to be bound by it. If You do not agree to be bound by this Agreement, please leave the Website immediately. The Company only agrees to provide use of this Website and Services to You if You assent to this Agreement.

3) LICENSE TO USE WEBSITE

The Company may provide You with certain information as a result of Your use of the Website or Services. Such information may include, but is not limited to, documentation, data, or information developed by the Company, and other materials which may assist in Your use of the Website or Services ("Company Materials"). Subject to this Agreement, the Company grants You a non-exclusive, limited, non-transferable and revocable license to use the Company Materials solely in connection with Your use of the Website and Services. The Company Materials may not be used for any other purpose, and this license terminates upon Your cessation of use of the Website or Services or at the termination of this Agreement.

4) INTELLECTUAL PROPERTY

You agree that the Website and all Services provided by the Company are the property of the Company, including all copyrights, trademarks, trade secrets, patents, and other intellectual property ("Company IP"). You agree that the Company owns all right, title and interest in and to the Company IP and that You will not use the Company IP for any unlawful or infringing purpose. You agree not to reproduce or distribute the Company IP in any way, including electronically or via registration of any new trademarks, trade names, service marks or Uniform Resource Locators (URLs), without express written permission from the Company.

• a) In order to make the Website and Services available to You, You hereby grant the Company a royalty-free, non-exclusive, worldwide license to copy, display, use, broadcast, transmit and make derivative works of any content You publish, upload, or otherwise make available to the Website ("Your Content"). The Company claims no further proprietary rights in Your Content.
• b) If You feel that any of Your intellectual property rights have been infringed or otherwise violated by the posting of information or media by another of Our users, please contact Us and let Us know.

5) USER OBLIGATIONS

As a user of the Website or Services, You may be asked to register with Us. When You do so, You will choose a user identifier, which may be Your email address or another term, as well as a password. You may also provide personal information, including, but not limited to, Your name. You are responsible for ensuring the accuracy of this information. This identifying information will enable You to use the Website and Services. You must not share such identifying information with any third party, and if You discover that Your identifying information has been compromised, You agree to notify Us immediately in writing. Email notification will suffice. You are responsible for maintaining the safety and security of Your identifying information as well as keeping Us apprised of any changes to Your identifying information. Providing false or inaccurate information, or using the Website or Services to further fraud or unlawful activity is grounds for immediate termination of this Agreement.

6) ACCEPTABLE USE

You agree not to use the Website or Services for any unlawful purpose or any purpose prohibited under this clause. You agree not to use the Website or Services in any way that could damage the Website, Services, or general business of the Company. You further agree not to use the Website or Services:

• To harass, abuse, or threaten others or otherwise violate any person's legal rights;
• To violate any intellectual property rights of the Company or any third party;
• To upload or otherwise disseminate any computer viruses or other software that may damage the property of another;
• To perpetrate any fraud;
• To engage in or create any unlawful gambling, sweepstakes, or pyramid scheme;
• To publish or distribute any obscene or defamatory material;
• To publish or distribute any material that incites violence, hate, or discrimination towards any group;
• To unlawfully gather information about others.

7) PRIVACY

Your use of the Website and Services is also governed by Our Privacy Policy, which is incorporated into this Agreement by reference. The Privacy Policy describes how We collect, use, store, and protect Your personal data, including data processed by Our AI Speaking Coach feature. By using the Website or Services, You acknowledge that You have reviewed the Privacy Policy. Our processing of personal data takes place within the European Union (Stockholm, Sweden).

8) NO ADVERTISING; NO SALE OF DATA

The Company does not display third-party advertisements on the Website or in its Services, and does not sell, rent, or trade Your personal data to third parties for marketing or advertising purposes. The Company uses a limited number of trusted service providers ("sub-processors") solely to operate its Services, as described in the Privacy Policy.

9) AI SPEAKING COACH

Certain paid ("Pro") Services include an AI Speaking Coach feature. You acknowledge and agree to the following in relation to this feature:

• a) How it works: During a Zoom session, the feature reads the live captions generated by Zoom and analyses Your own spoken contributions to provide real-time speaking tips and a post-meeting feedback report. The handling of this data is described in detail in Our Privacy Policy.
• b) Automated and approximate: The tips, scores, levels (including any CEFR or IELTS-style indications), and reports are generated by automated artificial-intelligence systems working from imperfect automatic speech recognition. They are provided for guidance and practice only, may contain errors, and are offered on an "as is" basis.
• c) Not a certification: The feature does not provide, and must not be relied upon as, an official language qualification, certification, assessment, or equivalent of any examination (including IELTS or any CEFR certification). It is not a substitute for professional language instruction or accredited testing.
• d) Your responsibilities: You are responsible for ensuring You have any necessary consent of other meeting participants before using features that process a shared conversation, and for using the feature in accordance with Zoom's own terms.

10) SUBSCRIPTIONS, BILLING & REFUNDS

• a) Paid plans: Certain Services are offered on a paid subscription basis. The price, billing frequency, and features of each plan are described at the point of purchase.
• b) Recurring billing: Unless stated otherwise, paid subscriptions renew automatically at the end of each billing period using Your selected payment method, until cancelled.
• c) Cancellation: You may cancel Your subscription at any time from Your account settings or by contacting Us at contact@speakingclub.com. Cancellation stops future renewals; You retain access until the end of the current paid period.
• d) Refund policy: You may request a full refund within fourteen (14) days of Your initial purchase of a paid plan. After this 14-day period, payments are non-refundable, including for partially used billing periods, except where a refund is required by applicable law. To request a refund, contact Us at contact@speakingclub.com.
• e) Price changes: We may change subscription prices from time to time. Any price change will apply only to billing periods after We have given You reasonable notice.

11) REVERSE ENGINEERING & SECURITY

You agree not to undertake any of the following actions:

• a) Reverse engineer, or attempt to reverse engineer or disassemble any code or software from or on the Website or Services;
• b) Violate the security of the Website or Services through any unauthorized access, circumvention of encryption or other security tools, data mining or interference to any host, user or network.

12) DATA LOSS

The Company does not accept responsibility for the security of Your account or content beyond the measures described in Our Privacy Policy. You agree that Your use of the Website or Services is at Your own risk, and We encourage You to retain Your own copies of any content important to You.

13) INDEMNIFICATION

You agree to defend and indemnify the Company and any of its affiliates (if applicable) and hold Us harmless against any and all legal claims and demands, including reasonable attorney's fees, which may arise from or relate to Your use or misuse of the Website or Services, Your breach of this Agreement, or Your conduct or actions. You agree that the Company shall be able to select its own legal counsel and may participate in its own defense, if the Company wishes.

14) SPAM POLICY

You are strictly prohibited from using the Website or any of the Company's Services for illegal spam activities, including gathering email addresses and personal information from others or sending any mass commercial emails.

15) THIRD-PARTY LINKS & CONTENT

The Company may occasionally post links to third party websites or other services. You agree that the Company is not responsible or liable for any loss or damage caused as a result of Your use of any third party services linked to from Our Website.

16) MODIFICATION & VARIATION

The Company may, from time to time and at any time, modify this Agreement. You agree that the Company has the right to modify this Agreement or revise anything contained herein. You further agree that all modifications to this Agreement are in full force and effect immediately upon posting on the Website, and that modifications or variations will replace any prior version of this Agreement, unless prior versions are specifically referred to or incorporated into the latest modification or variation of this Agreement.

• a) To the extent any part or sub-part of this Agreement is held ineffective or invalid by any court of law, You agree that the prior, effective version of this Agreement shall be considered enforceable and valid to the fullest extent.
• b) You agree to routinely monitor this Agreement and refer to the Effective Date posted at the top of this Agreement to note modifications or variations. You agree that Your continued use of the Website after any modifications to this Agreement is a manifestation of Your continued assent to this Agreement.

17) ENTIRE AGREEMENT

This Agreement, together with the Privacy Policy, constitutes the entire understanding between the Parties with respect to any and all use of this Website. This Agreement supersedes and replaces all prior or contemporaneous agreements or understandings, written or oral, regarding the use of this Website.

18) SERVICE INTERRUPTIONS

The Company may need to interrupt Your access to the Website to perform maintenance or emergency services on a scheduled or unscheduled basis. You agree that Your access to the Website may be affected by unanticipated or unscheduled downtime, for any reason, but that the Company shall have no liability for any damage or loss caused as a result of such downtime, to the fullest extent permitted by applicable law.

19) TERM, TERMINATION & SUSPENSION

The Company may terminate this Agreement with You at any time for any reason, with or without cause. The Company specifically reserves the right to terminate this Agreement if You violate any of the terms outlined herein, including, but not limited to, violating the intellectual property rights of the Company or a third party, failing to comply with applicable laws or other legal obligations, and/or publishing or distributing illegal material. If You have registered for an account with Us, You may also terminate this Agreement at any time by contacting Us and requesting termination. At the termination of this Agreement, any provisions that would be expected to survive termination by their nature shall remain in full force and effect.

20) NO WARRANTIES

You agree that Your use of the Website and Services is at Your sole and exclusive risk and that any Services provided by Us are on an "As Is" basis. The Company hereby expressly disclaims any and all express or implied warranties of any kind, including, but not limited to the implied warranty of fitness for a particular purpose and the implied warranty of merchantability. The Company makes no warranties that the Website or Services will meet Your needs or that the Website or Services will be uninterrupted, error-free, or secure. The Company also makes no warranties as to the reliability or accuracy of any information on the Website or obtained through the Services, including any output of the AI Speaking Coach. Nothing in this Agreement excludes or limits any warranty or right that cannot lawfully be excluded or limited under applicable consumer-protection law.

21) LIMITATION ON LIABILITY

To the fullest extent permitted by law, the Company is not liable for any damages that may occur to You as a result of Your use of the Website or Services. The maximum aggregate liability of the Company arising from or relating to this Agreement is limited to the greater of one hundred euro (€100) or the amount You paid to the Company in the last six (6) months. This section applies to any and all claims by You, including, but not limited to, lost profits or revenues, consequential or punitive damages, negligence, strict liability, fraud, or torts of any kind. Nothing in this Agreement limits liability that cannot lawfully be limited, including liability for death or personal injury caused by negligence, or for fraud, or any mandatory liability owed to consumers under applicable law.

22) GENERAL PROVISIONS

• a) LANGUAGE: All communications made or notices given pursuant to this Agreement shall be in the English language.
• b) GOVERNING LAW & JURISDICTION: This Agreement and any matter or dispute relating to or arising out of it shall be governed by the laws of Sweden, without regard to its conflict-of-law provisions, and subject to the mandatory consumer-protection laws of the country in which You reside. The Parties agree to submit to the courts of Sweden, save that, if You are a consumer resident in the European Union, You may also bring proceedings in the courts of Your country of residence, and nothing in this clause deprives You of the protection of mandatory provisions of the law of that country.
• c) DISPUTE RESOLUTION: In case of a dispute between the Parties relating to or arising out of this Agreement, the Parties shall first attempt to resolve the dispute personally and in good faith before pursuing any formal proceedings. Intellectual property claims by the Company are excepted from any informal-resolution requirement and may be litigated.
• d) ASSIGNMENT: This Agreement, or the rights granted hereunder, may not be assigned, sold, leased or otherwise transferred in whole or part by You. Should this Agreement, or the rights granted hereunder, be assigned, sold, leased or otherwise transferred by the Company, the rights and liabilities of the Company will bind and inure to any assignees, administrators, successors, and executors.
• e) SEVERABILITY: If any part or sub-part of this Agreement is held invalid or unenforceable by a court of law or competent arbitrator, the remaining parts and sub-parts will be enforced to the maximum extent possible. In such condition, the remainder of this Agreement shall continue in full force.
• f) NO WAIVER: In the event that We fail to enforce any provision of this Agreement, this shall not constitute a waiver of any future enforcement of that provision or of any other provision. Waiver of any part or sub-part of this Agreement will not constitute a waiver of any other part or sub-part.
• g) HEADINGS FOR CONVENIENCE ONLY: Headings of parts and sub-parts under this Agreement are for convenience and organization only. Headings shall not affect the meaning of any provisions of this Agreement.
• h) NO AGENCY, PARTNERSHIP OR JOINT VENTURE: No agency, partnership, or joint venture has been created between the Parties as a result of this Agreement. No Party has any authority to bind the other to third parties.
• i) FORCE MAJEURE: The Company is not liable for any failure to perform due to causes beyond its reasonable control including, but not limited to, acts of God, acts of civil authorities, acts of military authorities, riots, embargoes, acts of nature and natural disasters, and other acts which may be due to unforeseen circumstances.
• j) ELECTRONIC COMMUNICATIONS PERMITTED: Electronic communications are permitted to both Parties under this Agreement, including by e-mail. For any questions or concerns, please email Us at: contact@speakingclub.com.