Legal

Refund Policy

Last updated 28 September 2026

1. Scope and definitions

1.1 Scope. This Refund Policy governs refunds, credit reversals, and chargebacks for all paid products supplied through the ewpire platform at ewpire.com (the "Service"). It forms an integral part of, and is to be read together with, the ewpire Terms of Service and Privacy Policy. In the event of a conflict between this Policy and the Terms of Service on a refund-specific matter, this Policy controls; on all other matters, the Terms of Service control.

1.2 Operator. The Service is operated by LeMans Labs OÜ ("ewpire", "we", "us", "our"), a private limited company registered in the Republic of Estonia (registry code 16872044), with its registered address at Valukoja 8/1, 11415 Tallinn, Estonia.

1.3 Definitions. Capitalised terms used but not defined here have the meaning given in the Terms of Service. In addition:

"Credit", "Top-up", "Service Fee", "Usage Charge", "Lot", "Workspace", "Legacy Plan" and "Legacy Credits" – as defined in the Terms of Service. In short: one Credit corresponds to USD 1 (excluding VAT); a Top-up is a one-time purchase of Credits for a Workspace, paid together with a Service Fee of 5% of the Credits and VAT; each Top-up creates a Lot valid for twelve (12) months; and Credits are the sole means by which paid platform actions are metered. Credits are not redeemable for cash except as this Policy or mandatory law provides.
"Consumed" – a Credit is Consumed when it has been debited from the Workspace's balance as the Usage Charge of a Paid Action that returned a Result. A Credit that is only held (reserved) while a request runs is not Consumed.
"Paid Action" – any platform action that debits Credits, including without limitation: a Chat reply; a Code generation, fix, refactor or explanation; an Image or Video generation, edit, upscale or variation; a Music track or track tool; a Consensus session (including the Idea validation template); an AI Visibility run; and a request to the API.
"Result" – the deliverable of a Paid Action – an answer, a new code version, a generated image, video or music track, a consensus synthesis, AI Visibility assets or an audit, or an API response.
"Technical Failure" – a failure attributable to ewpire (or to a sub-processor engaged by ewpire) that prevents a Paid Action from producing its Result, as defined in §5.

2. Statutory cooling-off and immediate-supply waiver (EU / UK)

2.1 General position. The Service is offered primarily to businesses and to individuals acting in their professional capacity (see Terms of Service §2.1). Consumer withdrawal rights under Directive 2011/83/EU and equivalent distance-contract rules apply only where mandatory law extends them to the User.

2.2 Immediate performance and express waiver. Each Paid Action is a contract for the supply of digital content not supplied on a tangible medium, performed immediately upon the User's request. Pursuant to Article 16(m) of Directive 2011/83/EU, as transposed into Estonian law by § 53(4) clause 13 of the Law of Obligations Act (Võlaõigusseadus) , the statutory 14-day right of withdrawal does not apply to a Consumed Credit / completed Paid Action where, in line with Article 8(7) of Directive 2011/83/EU, the three cumulative conditions are met: (a) the User has given prior express consent to immediate performance; (b) the User has acknowledged that the right of withdrawal is lost once performance has begun and the digital service has been fully supplied; and (c) ewpire has provided confirmation of that prior consent and acknowledgment on a durable medium. A durable-medium waiver confirmation (a confirmation email recording the consent and acknowledgment) is sent to the User after the relevant purchase or Paid Action.

2.3 How consent and waiver are collected. On the payment page of each Top-up, the User must accept, through an acceptance step that is not pre-ticked and is presented together with acceptance of the Terms, the following before payment completes:

"Credits are digital content made available immediately. I request immediate access and acknowledge that once I use any credit from this top-up, the 14-day right of withdrawal for it no longer applies."

followed by a plain statement of whether the order goes through as personal or business (§3.6).

Pre-ticked checkboxes are not used, consistent with Case C-673/17 (Planet49) and Article 7(2) GDPR. The acceptance is recorded by ewpire's payment processor with the order (the text shown, the time of acceptance and the order reference), and a durable-medium confirmation of the consent and acknowledgment (per §2.2) is sent to the User in the payment receipt email. The log is retained for no less than three (3) years from the relevant transaction as evidence of contractual performance, on the limitation-period basis in § 146 of the Estonian Law of Obligations Act (Võlaõigusseadus).

2.4 Online withdrawal. Where a withdrawal right applies (i.e. for a Top-up from which no Credit has been used, still within its 14-day window – see §3), the User may exercise it online from within their account: a clearly labelled withdrawal control ("Cancel and refund" in Billing) lets the User submit a withdrawal declaration for an in-window Top-up, and on submission ewpire provides an on-screen acknowledgment and sends the User a confirmation of receipt on a durable medium (a confirmation email recording the content of the withdrawal and the date of receipt) without undue delay. The control lists purchases the User declared as personal purchases (§3.6); a purchase declared as a business purchase is not listed, and the mandatory-law correction route in §3.6 applies to it.

2.5 Relationship to this Policy. The unused-Credit refund in §3 is offered independently of, and in addition to, the statutory withdrawal right, so that EU and UK Users retain a substantively equivalent cooling-off remedy in practice for value they have not yet consumed.

3. Unused Credits – 14-day cooling-off refund

3.1 Refund of an untouched Top-up. You are entitled to a refund of a Top-up requested within fourteen (14) calendar days of the Top-up, provided that no Credit from that Top-up has been Consumed (its Lot is still whole). Where the withdrawal is valid, the refund is the full amount paid for the Top-up – the Credits, the Service Fee and the VAT – with no fee or transaction-cost deduction, consistent with the reimbursement-without-deduction rule in Article 13 of Directive 2011/83/EU; ewpire absorbs any Stripe processing fee rather than passing it to the User, and the Top-up's Credits are removed from the balance. For a team Workspace, the withdrawal is made by the member who paid for the Top-up.

3.2 Use extinguishes the withdrawal right for the whole Top-up. The Credits in a Top-up are digital content made available to the User immediately on payment. Where any Credit from that Top-up's Lot is Consumed, performance has begun at the User's express request and – pursuant to the prior express consent and acknowledgment captured at checkout (§2.2) – the 14-day right of withdrawal is extinguished for the entire Top-up under Article 16(m). The Top-up is then non-refundable in full (both the Consumed Credits and any Credits of it that remain unconsumed). A Top-up is therefore refundable under §3.1 only while it remains wholly untouched. This single, clearly-disclosed rule (untouched ⇒ full refund within 14 days; used at all ⇒ no refund) applies to every Top-up, consistent with the immediate-supply waiver in §2.

3.3 Several Top-ups in one balance. Where a Workspace holds several Lots, each Usage Charge is taken from the Lot with the soonest expiry first (for Top-ups, normally the oldest), and only a Lot from which a Credit has actually been taken counts as touched. In practice, a new Top-up usually stays untouched – and so withdrawable within its 14 days – while an older Lot still has Credits. The Billing page shows which Top-ups can still be withdrawn.

3.4 Procedure. To request a cooling-off refund, either use the in-account withdrawal control (§2.4) or contact support at hello@ewpire.com (see §10) within the 14-day window, identifying the purchase. Approved refunds are processed to the original payment method via Stripe Payments Europe Limited and/or other Stripe entities as applicable within five (5) to ten (10) business days. Upon refund, the Top-up's Credits are removed from the Workspace's balance.

3.5 Expired Credits. Credits of a Lot that are left unused when the Lot expires (twelve months after the Top-up, or the expiry of a converted Legacy Lot) lapse and are not refundable. The forfeiture applies only where the validity period has been conspicuously disclosed to the User before purchase (on the pricing page and on the Top-up screen) and the next expiry is shown in Billing; absent such disclosure, the forfeiture is not relied upon.

3.6 Personal and business purchases. When the account is set up, the User declares whether its purchases are personal or business purchases (Terms of Service §2.2); the declaration applies to each Top-up, is restated on its payment page, and can be changed for later orders through hello@ewpire.com. The cooling-off refund in §3.1 is offered on purchases declared personal; a purchase declared as a business purchase is not offered for withdrawal at all, and the in-account withdrawal control in §2.4 does not list it. The reason is that the 14-day right of withdrawal is a consumer right under Directive 2011/83/EU, and a User who declares that a purchase is made for a business declares that the purchase is not made as a consumer. The two sides of the choice are stated to the User before it is made: a business purchase can carry a VAT identification number and the reverse charge where it qualifies (Terms §4.3), and gives up the 14-day withdrawal; a personal purchase is charged VAT with no VAT-number field, and keeps the 14-day withdrawal on the conditions in §3.1 and §3.2.

The declaration determines how ewpire processes the order. It does not determine the User's legal status, and ewpire does not treat it as conclusive: consumer status is determined objectively under applicable law (Terms §2.1). Where mandatory consumer law applies to a User despite the declaration that User made, that law prevails (§9.1) and ewpire gives effect to the withdrawal on request to hello@ewpire.com, on the same conditions that apply to a personal purchase.

4. Consumed Credits – non-refundable

4.1 Final supply. Subject to §5 (Technical Failure), Consumed Credits are non-refundable. A Paid Action that has returned a Result – an answer, a code version, an image, video or music track, a consensus synthesis, an AI Visibility run, or an API response – is a digital service performed immediately and irreversibly. Performance is complete at the moment the Result is generated and made available to the User.

4.2 No refund on dissatisfaction. No refund or Credit reversal will be issued on grounds of dissatisfaction with a Result's content, conclusions, methodology, confidence score, areas of disagreement, scope, market-sizing estimates (TAM/SAM/SOM), generated code, generated images, video or music, generated presence assets, the model Auto selected, or commercial utility. Each Result is structured deliberation and an estimate, provided "as is" pursuant to the Limitation of Liability in the Terms of Service. ewpire does not provide advice and does not guarantee any outcome; AI Visibility outputs are framed as increasing the probability of accurate, consistent description and never as guaranteed visibility. The confidence score and dissent map are an integral part of this disclosure.

4.2a AI transparency (no effect on refund rights). Results are AI-generated. From 2 August 2026, the transparency duties of Article 50 of the EU AI Act (Regulation (EU) 2024/1689) apply: ewpire (as provider) and the User (as deployer) each carry duties. ewpire discloses that Chat, Code, Consensus and the other interactive features are interactions with an AI system (Art. 50(1)); labels every generated image, video and music track as AI-generated and marks AI-generated outputs in a machine-readable format where technically feasible, as the AI Transparency Notice details (Art. 50(2)); and, where any output is synthetic image, audio, or video, or AI-generated text published to inform the public, supports the relevant disclosure (Art. 50(4)). These obligations are detailed in the Terms of Service / AI-transparency notice (with reference to the 10 June 2026 Code of Practice) and do not themselves create or remove any refund right under this Policy.

4.3 Tie to the withdrawal waiver. Non-refundability of a Consumed Credit follows directly from the Article 16(m) immediate-supply waiver in §2: the User expressly consented to immediate performance and acknowledged the loss of the withdrawal right for that action once supplied.

5. Technical-Failure exception – auto-refund / no charge

5.1 Principle (mirrors the product). A Paid Action first holds (reserves) its estimated cost and is charged for the output it delivers. Where it fails to deliver its output because of a Technical Failure, the hold is released and nothing is charged; where Credits were nevertheless debited (for example, a failure discovered after the charge), they are re-credited to the Workspace's balance. In particular: a request that the provider or the Service fails part-way through is not charged, even if some output was shown; an image, video or music generation that ends as failed is not charged; a Consensus session in which fewer than two models answer, or that fails on ewpire's side, is not charged; and a request refused by moderation is not charged. Delivered output is charged (Terms of Service §4.5(c)): a reply the User stops is charged for the output delivered up to that point; a Consensus session that the User stops, or whose synthesis cannot be completed, after two or more models have answered is charged for the model calls already completed; a Code run whose model answer is delivered in full is charged even if no new version can be saved from it; and an image, video or music request that the model provider has accepted cannot be cancelled and is charged if it completes.

5.2 Qualifying failures. A Technical Failure includes, without limitation: (a) a platform or orchestration failure resulting in no Result being generated; (b) failure of the model providers such that no usable Result can be produced; (c) a Code run that fails before the model's answer is complete, or a deploy that fails on the hosting target for a reason attributable to ewpire; (d) an AI Visibility run that produces no presence assets or no audit result; or (e) a corrupted, empty, or undeliverable Result artefact.

5.3 Exclusions. This exception does not extend to: (a) dissatisfaction with a delivered Result (see §4.2); (b) a Result the User considers inaccurate where a Result was nonetheless generated; (c) outcomes dependent on the quality or completeness of the User's own inputs (idea text, interview answers, brand/site content, build instructions); (d) volatility or change in how third-party AI assistants describe a brand over time (an inherent characteristic of AI Visibility, not a Technical Failure); (e) third-party platform-side delays, rejections, or outages outside ewpire's control (e.g. a deploy rejected by the hosting provider for the User's content); or (f) output charged under §5.1 as delivered, including a Code run whose model answer was delivered in full but from which no new version could be saved.

5.4 Form of remedy. The default remedy for a Technical Failure is re-credit of the affected Credits to the User's balance (so the User may re-run the action), rather than a cash refund. Where Credits cannot be re-credited (e.g. the underlying purchase has been fully refunded or the account closed), a cash refund of the corresponding value is issued to the original payment method within fourteen (14) calendar days.

5.5 Reporting window. Automatic re-credit on detected failure requires no action by the User. Where the User believes a Technical Failure was not auto-detected, the User should contact support at hello@ewpire.com (see §10) within fourteen (14) calendar days of the affected action, providing the action reference. This reporting window does not limit any longer statutory remedy under §9.

6. No subscriptions; legacy plans and packs

6.1 No recurring charges. The Service has no subscriptions, plans or packs, so there is nothing to renew or cancel: every purchase is a one-time Top-up, and the Service never charges a card without a new Top-up. A User stops paying simply by not topping up.

6.2 Legacy Plans. A subscription bought before 25 September 2026 does not renew; it ends at the end of the billing period already paid, and the monthly allotments for that period are granted as converted Credits (Terms of Service §4.13). The User may still cancel it earlier through Billing or the Stripe Customer Portal, without retention steps ("click-to-cancel"). The cooling-off refund on the first subscription payment, while wholly untouched, remains available under the rules in force when it was bought. No refund is issued for the remainder of a paid period, save as mandatory law requires or as Terms of Service §4.13(d) provides.

6.3 Legacy Credits and converted Lots. Purchased Legacy Credits are converted into Lots that keep their original expiry (Terms of Service §4.13(b)); free Legacy Credits are not converted and lapse at their expiry. A converted Lot is not a new purchase and does not open a new withdrawal period.

6.4 No BYOK. ewpire does not offer "bring your own key"; ewpire supplies its own provider access, metered as Credits. There is accordingly no separate BYOK fee, pass-through, or refund mechanic.

6.5 Pause / withdrawal of a product. Where ewpire pauses, restricts to a waitlist, or withdraws a product or feature (for re-architecture, capacity, compliance, security, or platform migration), existing prepaid balances are honoured or, where continued operation is not reasonably possible, the User is offered re-credit or a refund of the unused prepaid portion at ewpire's election. A pause alone does not trigger a refund obligation provided service resumes within thirty (30) days or the User is offered a refund of any unused prepaid balance.

7. VAT handling on refunds

7.1 Economic base and currency. Top-ups are priced and charged in US dollars, exclusive of VAT, and Usage Charges are calculated in US dollars at the published model prices and debited at one Credit per US dollar (Terms of Service §4.5).

7.2 VAT on refunds. Where a refund is issued, any VAT, sales tax, or equivalent indirect tax that was charged on the original transaction (on the Credits and on the Service Fee) is refunded together with the net amount, in the same proportion as the refund bears to the original charge. VAT is calculated and reversed automatically by Stripe Tax (provided by Stripe Payments Europe Limited and/or other Stripe entities as applicable). For EU customers, VAT is collected and, on refund, adjusted by LeMans Labs OÜ under the Estonian One-Stop-Shop (OSS) scheme; the applicable tax category is Electronically Supplied Services.

7.3 Reverse charge. EU business customers who applied the reverse-charge mechanism (0% VAT) at purchase via a valid VAT identification number receive a refund of the net amount only, as no VAT was charged. A VAT identification number can only be supplied on a purchase declared as a business purchase (Terms of Service §2.2); on a purchase declared personal, VAT is charged and is refunded together with the net amount under §7.2, including where payment was made from a business account.

7.4 Partial refunds. On a partial refund (e.g. a re-credit of a subset of an action's Credits, or a refund of part of a mixed balance), VAT is reversed pro rata to the refunded portion.

8. Chargebacks

8.1 Contact support first (request). Before initiating any payment dispute or chargeback with your card issuer or bank, we ask that you contact ewpire support first at hello@ewpire.com (see §10), so that a qualifying refund under this Policy can be processed directly and faster. This is a request and does not limit your right to raise a dispute with your card issuer or bank.

8.2 Effect of chargebacks and refunds. Where a chargeback reverses a Top-up, or a Top-up is refunded, the Credits of that Top-up's Lot are removed from the Workspace's balance to the extent they were not consumed, and a chargeback is noted on the Workspace for review. Where Credits of the reversed Top-up were already consumed, ewpire may set off their value against other Credits in the Workspace and may restrict the Workspace until the amount is settled (Terms of Service §13.2(f)). Merely disputing a charge does not, by itself, result in recovery of dispute / chargeback fees from the User. ewpire reserves the right to contest chargebacks it considers unwarranted, using the consent and delivery records described in this Policy as evidence, and may take account-level action only in cases of fraud or abuse.

8.3 Referral clawback. A chargeback, withdrawal or refund of a referred User's Top-up voids or reduces the related referral commission under §11.

9. Relationship to mandatory consumer rights

9.1 No limitation of mandatory rights. This Policy is a voluntary commercial framework. Nothing in it limits or waives any mandatory consumer-protection right that applies to a User resident in the European Union, the United Kingdom, or another jurisdiction with stricter consumer-protection law. Where applicable mandatory law grants a remedy more generous than this Policy, that law prevails.

9.2 Statutory conformity remedies for digital content (Directive (EU) 2019/770). Where the User is a consumer, the digital content and digital services supplied through the Service must conform to the contract. Nothing in this Policy affects the consumer's mandatory non-conformity remedies under Directive (EU) 2019/770 (as transposed into Estonian law), which apply for the relevant statutory period (up to two (2) years from supply, or for the duration of continuous supply). Where a Result or Paid Action is non-conforming, the consumer is entitled to have it brought into conformity, or to a proportionate price reduction or termination with a refund, in the cases and on the conditions set out in that Directive. These statutory remedies are in addition to the contractual remedies in §3–§5 and prevail over any narrower term in this Policy.

9.3 Out-of-court dispute resolution. The EU Online Dispute Resolution platform was permanently discontinued on 20 July 2025 and is no longer available; the former EU ODR web platform is not referenced. A consumer in the EU/EEA may instead bring a dispute to a national alternative-dispute-resolution body – for Estonia, the Consumer Disputes Committee (Tarbijavaidluste komisjon, komisjon.ee).

10. How to request a refund / contact

To request a refund, report a Technical Failure, or raise a billing question, contact ewpire support, identifying the relevant purchase or action reference:

LeMans Labs OÜ Valukoja 8/1, 11415 Tallinn, Estonia Support and billing: hello@ewpire.com Privacy / data-subject requests: privacy@ewpire.com Legal notices: hello@ewpire.com Website: ewpire.com

You may also exercise the 14-day withdrawal right online via the in-account withdrawal control described in §2.4. Approved refunds are processed to the original payment method via Stripe Payments Europe Limited and/or other Stripe entities as applicable. Re-credits are applied to the User's Credit balance immediately on approval or automatic detection.

11. Referral commissions – refunds, clawback, and tax

11.1 Referral structure. For every Top-up that a person you referred makes within twelve (12) months of signing up, you earn a commission of 20% of ewpire's Service Fee on that Top-up (1% of the Top-up amount at a 5% Service Fee, excluding VAT), in US dollars. Each commission is held for about 30 days (until the refund, withdrawal and chargeback window has cleared) and then paid via Stripe Connect Express, with no minimum payout threshold. Attribution is by a persistent first-party referral cookie with a 30-day click-attribution window, set only with the referred User's consent. Commissions earned under the earlier rules (20% of one month of a first deposit) are paid under those rules.

11.1a Referred-user bonus. The Referral Programme gives the referred User no bonus Credits. Where a User received a promotional bonus under the earlier rules, it remains subject to the earlier reversal rule: if the qualifying first deposit is refunded, withdrawn or charged back, the bonus Credits are removed as part of the reversal, and the refund amount itself is never reduced by the bonus.

11.2 Clawback on withdrawal, refund or chargeback. If the referred User withdraws, is refunded for, or charges back a Top-up before the related commission has been paid out, the commission is voided; a partial refund reduces it in the same proportion. Where the reversal occurs after payout, ewpire may recover the corresponding amount from future referral earnings or by direct recovery, within the limits of the Referral Programme Terms.

11.3 Disclosure obligation. Referrers must clearly and conspicuously disclose the referral relationship wherever they promote ewpire, in accordance with the U.S. FTC Guides Concerning the Use of Endorsements and Testimonials, the EU Unfair Commercial Practices Directive (2005/29/EC), the UK CAP/CMA rules, and the transparency obligations of the EU Digital Services Act (Regulation (EU) 2022/2065). Self-referrals are prohibited. Referral links may not be promoted through spam, misleading advertising, or any method that violates applicable law; ewpire may disqualify referrals and withhold or claw back commissions in cases of fraud or abuse.

11.4 Tax responsibility (no withholding, no tax advice). Referral commissions constitute taxable income. Each Referrer is solely responsible for reporting and paying all applicable taxes (including income tax, VAT / GST, self-employment tax, social-security contributions, and any withholding tax) on commissions received, in accordance with the laws of the Referrer's country of tax residence. LeMans Labs OÜ does not withhold taxes on commissions and does not provide tax advice. The Referrer warrants that it has consulted its own tax advisor before accepting commissions, and ewpire disclaims all liability for the Referrer's tax compliance or non-compliance.

11.5 VAT place of supply. Whether the referral commission is treated as consideration for a supply for VAT purposes, and the place of supply thereof, depends on the Referrer's status and location; the Referrer is responsible for any VAT it must account for.

11.6 Tax-onboarding and DAC7 (no reporting role asserted). As part of payout onboarding, ewpire (through its payment partner) may collect Form W-9 / W-8BEN via Stripe (Stripe Connect). DAC7 (Directive (EU) 2021/514) applies to platform operators that intermediate certain reportable activities (the sale of goods, personal services, immovable-property rental, and rental of means of transport); it does not cover affiliate, referral, or advertising commissions. ewpire therefore does not assert a DAC7 platform-operator reporting role in respect of referral commissions, and assumes no withholding or tax-advisory obligation; the W-9 / W-8BEN collection is for payout onboarding only.

11.7 Governing law of the programme. The Referral Programme is governed by Estonian law (LeMans Labs OÜ, registry 16872044) and by the Referral Programme Terms published on ewpire.com.

12. Records and data protection

12.1 Consent and delivery records. ewpire retains records evidencing consent to immediate supply (§2), Paid Action delivery, and refund decisions – including the consent record held by the payment processor (the text shown, the time of acceptance and the order reference), the action reference and the refund decision – for three (3) years from the relevant transaction, as evidence of contractual performance, on the limitation-period basis in § 146 of the Estonian Law of Obligations Act (Võlaõigusseadus).

12.2 Billing, referral, and financial records. Billing records, invoices, and referral / financial records are retained for seven (7) years on the lawful basis of legal obligation under Article 6(1)(c) GDPR and the Estonian Accounting Act (Raamatupidamise seadus), regardless of refund or account status.

12.3 Deletion and right to erasure. A refund does not by itself trigger erasure. On account termination, live-system data is deleted within thirty (30) days, and ewpire certifies that live deletion within 30 days. Data residing in backups is not restored except for disaster recovery, is kept encrypted, and is overwritten on a rolling cycle of at most ninety (90) days. The User's right to erasure under Article 17 GDPR is honoured within thirty (30) days of a verified request, except where retention is mandated under §12.1–§12.2 (including the 7-year referral/financial-records carve-out), in which case ewpire informs the User of the legal basis and scope of the retained data.

12.4 Sub-processor and transfer context. Performing a Paid Action transmits the content it needs (the prompt and conversation, attached files, and, for Code, the project files concerned) to the provider of the model used – through an API aggregator (for some image, video and music models, a second one) – and a Consensus session to several providers; refund determinations may reference logs held across these sub-processors. The identity of sub-processors, the no-training commitment, the multi-provider sharing, and the transfer safeguards for non-EEA providers (including the treatment of models from China-based labs) are set out in the Privacy Policy and the DPA sub-processor annex, not in this Policy.

13. Governing law and jurisdiction

13.1 Governing law. This Policy is governed by the laws of the Republic of Estonia, without regard to conflict-of-laws principles. Mandatory provisions of European Union law apply where applicable.

13.2 Jurisdiction. Any dispute arising out of or in connection with this Policy that cannot be resolved amicably within thirty (30) days of written notice shall be submitted to the exclusive jurisdiction of the Harju County Court (Harju Maakohus), Tallinn, Estonia, except where the User is a consumer resident in the European Union or the United Kingdom and mandatory consumer-protection law of the User's country of habitual residence grants the User the right to bring proceedings before, or to be sued in, the courts of that country – in which case those mandatory rules prevail.

13.3 Language. This Policy is drafted in English. In the event of any translation, the English version prevails.