Terms of Service

These Terms of Service ("Terms") govern your access to and use of the website anticitizen.com, our publication, and our membership community (together, the "Service"), operated by Anticitizen OÜ. Please read them carefully. By using the Service, you agree to these Terms.

1. Who we are

The Service is provided by:

Anticitizen OÜ
Contact: via our contact page

In these Terms, "we," "us," and "our" refer to Anticitizen OÜ, and "you" refers to the person using the Service.

2. Acceptance of these Terms

By accessing the Service, creating an account, or purchasing a subscription, you confirm that you accept these Terms and agree to comply with them. If you do not agree, you must not use the Service.

3. Eligibility

You must be at least 18 years old and able to enter into a binding contract to use the Service. By using the Service, you confirm that you meet these requirements.

4. Important: no professional advice

This section is fundamental to your use of the Service.

The Service provides general information, education, opinion, and commentary on topics including second citizenship, residency, international living, banking, business structuring, and taxation. All content is for general informational and educational purposes only. It does not constitute, and must not be relied on as, legal, tax, financial, investment, accounting, immigration, or other professional advice.

We are a publisher and a community, not a law firm, tax advisor, financial advisor, or immigration agent. Using the Service does not create any advisor-client, fiduciary, or professional relationship between you and us. Laws and rules differ by country and change frequently, and information may be incomplete or out of date.

Before acting on anything you read or discuss through the Service, you should obtain independent, qualified professional advice tailored to your own circumstances and jurisdiction. You are solely responsible for your own decisions and for complying with all laws that apply to you, including tax and reporting obligations. To the fullest extent permitted by law, we accept no liability for actions you take based on the Service.

5. Accounts

To access certain parts of the Service, you must create an account. You agree to provide accurate information, to keep your login details confidential, and to be responsible for all activity under your account. Notify us promptly of any unauthorised use. We may suspend or close accounts that breach these Terms.

6. Membership, subscriptions, and payments

Parts of the Service are available only to paying members. By purchasing a subscription, you agree to the following:

Fees. Subscription fees and billing periods are shown at the point of purchase. Prices include applicable taxes where required.

Billing and renewal. Subscriptions renew automatically at the end of each billing period unless cancelled beforehand, and your payment method will be charged for each renewal. We will make the renewal terms clear before you subscribe.

Payment provider. Payments are processed by our third-party payment provider Stripe. We do not store full payment card details.

Price changes. We may change subscription prices. We will give you reasonable notice, and changes will apply from your next billing period.

Cancellation. You can cancel your subscription at any time through your account settings or by contacting us. Cancellation stops future renewals; it does not, by itself, refund the current period except as set out below or as required by law.

7. Your right of withdrawal (EU consumers)

If you are a consumer in the EU, you normally have the right to withdraw from a distance contract within 14 days without giving a reason, under the EU Consumer Rights Directive as implemented in Estonia.

Because the Service is digital content and online services, the following applies:

• By subscribing and asking to access the Service immediately, you expressly request that we begin providing it during the 14-day withdrawal period.
• You acknowledge that once we have fully performed the service, or once you have started accessing digital content with your prior express consent, you lose your right of withdrawal to the extent the service has been provided, as permitted by law.

Where the right of withdrawal still applies, you can exercise it by sending us a clear statement through our contact page before the period ends. We will refund payments due to you without undue delay, in line with the law.

8. Intellectual property

All content we provide through the Service, including articles, newsletters, text, graphics, logos, and the "Anticitizen" name and branding, is owned by Anticitizen OÜ or our licensors and is protected by intellectual property laws.

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the content for your own personal, non-commercial use while your access is valid. You must not copy, republish, redistribute, sell, or create derivative works from our content without our prior written permission, except as allowed by mandatory law.

9. Your content

You may be able to post content in our community, such as messages and comments ("User Content"). You retain ownership of your User Content, but you grant us a worldwide, royalty-free, non-exclusive licence to host, display, and use it as needed to operate and promote the Service.

You are responsible for your User Content and confirm that you have the right to post it and that it does not break the law or these Terms. We may remove User Content that we reasonably consider to breach these Terms.

10. Acceptable use

When using the Service, you must not:

• break any applicable law or use the Service for any unlawful purpose, including tax evasion, money laundering, or sanctions breaches;
• post content that is unlawful, defamatory, harassing, hateful, or infringing;
• share other members' content or private community discussions outside the community without permission;
• attempt to gain unauthorised access to the Service, disrupt it, or introduce malicious code;
• use the Service to send spam or unsolicited marketing; or
• misuse, scrape, or resell the Service or its content.

We may suspend or terminate access for breach of these rules.

11. Third-party links and services

The Service may link to or rely on third-party websites and services, including our community platform and payment provider. We are not responsible for third-party content or services, and your use of them is subject to their own terms.

12. Disclaimers

The Service is provided "as is" and "as available." To the fullest extent permitted by law, we make no warranties that the Service will be uninterrupted, error-free, secure, or that any content is accurate, complete, or current. Section 4 (no professional advice) applies in full.

Nothing in these Terms excludes or limits any rights you have as a consumer that cannot be excluded or limited under mandatory law.

13. Limitation of liability

To the fullest extent permitted by law:

• we are not liable for any indirect, incidental, special, or consequential loss, or for loss of profits, revenue, data, or goodwill, arising from your use of the Service;
• our total liability to you for any claim connected with the Service is limited to the amount you paid us in the 12 months before the event giving rise to the claim.

Nothing in these Terms limits our liability for death or personal injury caused by our negligence, for fraud, or for any liability that cannot be limited or excluded under applicable law, including mandatory consumer rights.

14. Indemnity

To the extent permitted by law, you agree to compensate us for losses and costs we reasonably incur as a result of your breach of these Terms or your misuse of the Service. This does not apply to the extent any loss is caused by us.

15. Suspension and termination

We may suspend or terminate your access to the Service if you breach these Terms, if required by law, or if we stop providing the Service. You may stop using the Service at any time. Provisions that by their nature should survive termination (including Sections 4, 8, 12, 13, and 14) will continue to apply.

16. Changes to the Service and these Terms

We may change or discontinue parts of the Service, and we may update these Terms from time to time. If we make significant changes to the Terms, we will give you reasonable notice. Continued use of the Service after changes take effect means you accept the updated Terms. If you do not accept them, you should stop using the Service.

17. Governing law and jurisdiction

These Terms are governed by the laws of Estonia. The courts of Estonia have jurisdiction over any dispute.

If you are a consumer resident in another EEA country, you also benefit from any mandatory protections of the law of your country of residence, and you may bring proceedings in the courts of your country of residence where the law allows.

18. Dispute resolution

If you have a problem, please contact us first through our contact page so we can try to resolve it.

If you are a consumer resident in Estonia and we cannot resolve the matter, you may refer it to the Consumer Disputes Committee at the Consumer Protection and Technical Regulatory Authority (Tarbijakaitse ja Tehnilise Järelevalve Amet), Endla 10a, Tallinn, Estonia (www.ttja.ee).

If you are a consumer resident elsewhere in the EU, you can find help with cross-border disputes through the European Consumer Centres Network (ECC-Net) in your country.

19. General

Severability. If any part of these Terms is found invalid, the rest remains in force.

No waiver. If we do not enforce a right, that is not a waiver of it.

Assignment. You may not transfer your rights under these Terms without our consent. We may transfer ours, for example as part of a business sale, without reducing your rights.

Force majeure. We are not liable for failures caused by events beyond our reasonable control.

Entire agreement. These Terms, together with the Privacy Policy and Cookie Policy, form the entire agreement between you and us regarding the Service.

20. Contact

Anticitizen OÜ — Contact: via our contact page