Terms of Service

1. Introduction

These Terms of Service (hereinafter: Terms) govern the conditions of use of the AllAdviser online advisory platform (hereinafter: Platform or Website) and regulate the legal relationship between the Service Provider and the natural and legal persons using the Platform (hereinafter collectively: Users – Advisors and Questioners). The Platform is an online service available throughout the entire territory of the European Union, which enables the connection of Advisors and Questioners seeking advice and facilitates the conduct of online (video) consultations between them. By visiting the Website or completing registration, the User declares that they have read and accepted the provisions of these Terms as binding upon themselves, and also acknowledges the contents of the Privacy Policy. If the User does not accept these Terms, they are not entitled to use the Platform.

The operator of the Platform and the data controller: Horváth Tibor György e.v. (registered address: 1123 Budapest, Táltos u. 14. 1/2.; tax number: 58788307-1-43; sole trader; e-mail: info@alladviser.eu; phone: +36 30 744 0290).

2. Definitions

• Service Provider / Operator: Horváth Tibor György e.v. (registered address: 1123 Budapest, Táltos u. 14. 1/2.; tax number: 58788307-1-43; sole trader), who operates and maintains the AllAdviser Platform.
• Platform / Website: the online advisory system available under the alladviser.eu domain, which facilitates the connection of Advisors and Questioners, appointment booking, payment processing and the conduct of online consultations.
• User: any natural or legal person who visits the Platform or uses it with a registered account; this includes both Advisors and Questioners.
• Advisor: the registered User who offers professional advisory services on the Platform, maintains a profile, makes time slots available and conducts online consultations with Questioners.
• Questioner: the registered User who seeks advice on the Platform, books an appointment with an Advisor and pays the consultation fee directly to the Advisor.
• Consultation: the advisory session conducted between the Questioner and the Advisor at the booked time slot, through the Platform's online (video) interface.
• Credit: an accounting unit available exclusively on the Advisor side, purchasable from the Platform; the Advisor uses credits to make booking time slots available or to extend their duration. The Questioner has no credits; they pay directly in money.
• Stripe: the card payment service provided by Stripe Payments Europe, Ltd., which is one channel for card payments on the Platform; alongside Stripe, the other payment method is bank transfer.
• Bank transfer: an alternative payment method to Stripe, in which the payer completes the payment with a unique reference code via bank transfer within the specified payment deadline; finalisation is contingent on the receipt and confirmation of the payment, and is not immediate.
• Payout: a monetary disbursement initiated by the Advisor from their accumulated balance on the Platform to their own verified bank account.
• Refund: the partial or full repayment of the consultation fee paid by the Questioner, in accordance with the cancellation and withdrawal rules.
• EUR (euro): the uniform currency applied on the Platform; prices and payments are denominated in euro.
• Terms: these Terms of Service, which determine the content of the contract between the Service Provider and Users.
• Consumer: a natural person who uses the Platform for purposes falling outside their trade, profession or business activity.

3. Registration

Use of the Platform's services is subject to registration. During registration, the User is obliged to provide true, accurate and up-to-date information; the Service Provider accepts no liability for consequences arising from incomplete or erroneous data.

• Registration may be completed by providing an e-mail address and password, or via Google or Apple account (social login). Both Questioners and Advisors may register; administrator accounts cannot be registered and may only be created by the Service Provider.
• To complete registration, the User must confirm their e-mail address using the link or code in the confirmation message sent to them. The confirmation code is valid for a limited period of time.
• The User may enable two-step (two-factor) authentication for enhanced protection of their account. By default, standard single-step login applies.
• The User is obliged to keep their login credentials (password) confidential and must not disclose them to third parties. The User is responsible for all activities carried out through their account.
• A given person cannot simultaneously be an Advisor and a Questioner with the same account; the two roles are separate.
• The Advisor profile becomes active and publicly visible following approval by the Service Provider. The Service Provider may review the profile content (text, images) and may reject or moderate it with a statement of reasons.
• By registering, the User expressly accepts these Terms and the Privacy Policy.
• The User may request the deletion of their account at any time. Account deletion on the Platform is effected by anonymisation and deactivation; data subject to statutory and regulatory retention obligations will be retained for the applicable periods.

4. Description of the service

The Platform is an intermediary online service: it provides Users with a technical interface, a space for listing and advertising, a searchable database, an appointment booking system, a payment solution, and a video interface necessary for conducting online consultations.

• The Platform connects Questioners seeking advice with Advisors appearing by their area of expertise, and enables online consultations between them.
• The relevant Advisor is solely responsible for the content, professional quality and legality of the advisory service; the Service Provider bears no liability for the professional content of consultations, as the advisory contract is concluded directly between the Questioner and the Advisor.
• Advisors are listed in the search according to their offered topic areas, available time slots and prices. The ranking of search results may be influenced by relevance, promotion settings and other objective criteria.
• The online consultation is accessible through the Platform's video interface via the connection link assigned to the booking; access is possible shortly before the start time (within the connection window).
• The Service Provider reserves the right to develop, modify the Platform and temporarily restrict certain features in order to improve the quality of the service, make it more efficient or introduce new features.
• The Service Provider does not guarantee continuous, uninterrupted and error-free availability of the Platform; the service may be temporarily suspended due to maintenance or technical failure.
• The Platform is available throughout the entire European Union; the Service Provider prohibits unjustified geo-blocking in accordance with Regulation (EU) 2018/302.

5. Terms applicable to Advisors

The Advisor offers professional advisory services on the Platform and undertakes to act in accordance with these Terms, applicable legislation and professional-ethical requirements.

• The Advisor is obliged to provide their real name and introductory content; the profile text, description and uploaded images must not contain direct contact details (telephone number, e-mail address, website address, home address) and must not redirect the Questioner away from the Platform.
• The Advisor sets their offered main and sub-topic areas, available time slots, and prices in euro for each consultation duration.
• The Advisor purchases credits from the Platform, which they use to make booking time slots available or to extend their duration. Credits are the Advisor-side accounting unit; one base credit covers one basic consultation slot (12 minutes), and more credits cover longer slots.
• Credits do not expire; purchased credits may be used without an expiry date. Used credits may be reinstated according to the system's rules in the event of a failed booking.
• The consultation fee paid by the Questioner belongs entirely to the Advisor; the Platform does not deduct a commission from the consultation fee (pass-through model). The Platform's revenue derives from credit packages sold to Advisors.
• The Advisor may initiate a payout from their accumulated balance to their own verified bank account. Payouts are subject to minimum and maximum amounts, a daily frequency limit, and are processed by the Service Provider; only one pending payout request may be active at a time.
• The Advisor is obliged to conduct the consultation at the booked and confirmed appointment time. If the Advisor does not appear for the online session, the Questioner is entitled to a refund of the fee paid.
• The Advisor is subject to the Platform's rating system; the average of ratings and the number of ratings are displayed on their profile. In the case of persistently low ratings, the Service Provider may restrict the visibility of the profile.
• The Advisor is responsible for holding the permits and qualifications necessary for their activity and for fulfilling their own tax, invoicing and other statutory obligations.
• The Advisor acknowledges that the Service Provider may carry out automated (artificial intelligence-based) checking of profile content and uploaded images for the purpose of filtering prohibited content and direct contact details.

6. Terms applicable to Questioners

The Questioner books an advisory appointment on the Platform and pays the consultation fee directly to the chosen Advisor. The Questioner has no credits; credits are an exclusively Advisor-side concept.

• The Questioner selects the appropriate Advisor in the search, then books the desired time slot from the Advisor's available slots by specifying the relevant topic area and duration.
• During booking, the system temporarily locks the selected time slot for a brief period to prevent concurrent bookings; the lock remains in place until payment is completed or the deadline expires.
• Booking entails a payment obligation. The consultation fee is denominated in euro and is charged in accordance with the pricing set by the Advisor.
• The Questioner may pay the consultation fee in one of two ways, depending on the Advisor's settings: by card through the Stripe payment service, or by bank transfer. In both cases, the fee goes directly to the chosen Advisor, and the Platform does not deduct a commission from the consultation fee.
• If bank transfer is chosen, the Questioner transfers the fee directly to the Advisor's bank account using a unique reference code within the specified payment deadline (72 hours by default). Bank transfer payment is not immediate: the booking becomes final when receipt of payment is confirmed. If payment is not received within the deadline, the booking lapses and the time slot is released.
• Once payment is successfully completed (confirmation in the case of card payment, or confirmation of receipt in the case of bank transfer), the booking becomes final and the Questioner receives a connection link for the online consultation. In the event of failed or missed payment, the booking lapses and the time slot is released.
• If the Questioner does not join the online session during the booked consultation period while the Advisor was available, the consultation is deemed to have taken place and the fee paid belongs to the Advisor.
• The Questioner may rate the completed consultation on a scale of 1 to 5 stars and may write an optional written review. Rating is possible within a specified deadline after the consultation (30 days), once per booking; self-rating is prohibited.
• The Questioner must not publish unlawful, untrue, offensive or abusive content in their review; such content may be moderated or removed by the Service Provider.

7. Payment and fees

All payments on the Platform are made in euro (EUR), with a choice of two payment methods: by card through the Stripe payment service, or by bank transfer. The payment process involves two types of participants: the Questioner pays the consultation fee directly to the Advisor, and the Advisor purchases credits from the Platform.

• The Questioner may pay the fee for the booked consultation in one of two ways, depending on the Advisor's settings: by card through the Stripe payment service, or by bank transfer. In both cases, the amount goes directly to the chosen Advisor; the Platform does not deduct a commission from the consultation fee, and the full fee belongs to the Advisor.
• For bank transfer payment, the Questioner transfers the amount directly to the Advisor's bank account using a unique reference code within the specified payment deadline (72 hours by default). Bank transfer payment is not immediate but is contingent on the receipt and confirmation of the payment; if the deadline passes without payment, the booking lapses and the time slot is released.
• The Advisor may purchase credit packages from the Platform. Credit purchases may be completed in one of two ways: by card through the Stripe Checkout payment interface, or by bank transfer to the Platform's bank account (the payment deadline is 72 hours by default). Credit package prices are denominated in euro at a linear unit price (typically 0.13 EUR/credit), for example: 10 credits 13.00 EUR, 20 credits 26.00 EUR, 30 credits 39.00 EUR, 40 credits 52.00 EUR, 50 credits 65.00 EUR. Credits are allocated after successful payment, or — in the case of bank transfer — after confirmation of receipt of payment.
• Purchased credits do not expire and may be used without any time limit.
• The Advisor may request a payout from their accumulated balance to their own verified bank account. The minimum payout is 5 EUR, the maximum is 5,000 EUR by default, and a daily frequency limit also applies; only one pending payout request may be active at a time. Payouts are processed by the Service Provider.
• The Advisor's available balance is calculated from their credited revenues (completed consultations) less payouts already made, pending payouts, and refunded amounts.
• Refund rules follow a time-band system depending on the time of cancellation (see the Cancellation and Withdrawal section). Refunds are in all cases processed in accordance with the original payment method: for card payments made through Stripe, the refund is processed via Stripe against the original payment transaction; for payments made by bank transfer, the refund is made by bank return transfer to the bank account specified by the Questioner.
• Electronic invoices complying with applicable legislation will be issued in respect of payments. Prices are denominated in euro; value added tax (VAT) is handled according to the place of supply and the tax status of the parties, in accordance with EU VAT rules. The Advisor is responsible for fulfilling their own tax and invoicing obligations.
• The Service Provider reserves the right to modify credit package prices for commercial reasons; price changes do not affect contracts already concluded and credits already purchased.
• In the event of card fraud (chargeback / Stripe dispute), the case is handled individually and manually by the Service Provider; such disputes do not trigger automatic financial settlement.

8. Cancellation and right of withdrawal

The following rules apply to cancellation of bookings and refund of fees. In addition, Questioners qualifying as consumers are entitled to the right of withdrawal based on Directive 2011/83/EU, subject to the following limitations.

• In the event of cancellation of a consultation, the amount of refund depends on the time of cancellation: cancellation at least 24 hours before the start of the consultation entitles the Questioner to a 100% refund of the fee paid; cancellation between 1 and 24 hours before the start entitles the Questioner to a 50% refund; cancellation within 1 hour of the start, or once the consultation has already commenced, entitles the Questioner to no refund.
• If the Advisor does not appear for the confirmed online consultation, the Questioner is entitled to a full refund of the fee paid.
• A Questioner qualifying as a consumer is, as a general rule, entitled to a 14-day right of withdrawal without stating reasons in respect of the online (digitally concluded, distance) service, counting from the conclusion of the contract.
• At the time of booking, the Questioner gives their express prior consent to the Service Provider and the Advisor commencing performance of the service (the consultation) before the expiry of the 14-day withdrawal period. The Questioner acknowledges that they lose their right of withdrawal upon full performance of the service (completion of the consultation).
• If the Questioner exercises their right of withdrawal after commencement of performance but before full performance, they are obliged to pay the proportionate value of the performance already provided.
• The right of withdrawal — when exercised lawfully — may be declared by e-mail (info@alladviser.eu) or through the designated section of the Platform; the refund is processed in accordance with the original payment method: for card payments made through Stripe, the refund is processed via Stripe against the original payment transaction; for payments made by bank transfer, the refund is made by bank return transfer to the bank account specified by the Questioner.
• The statutory consumer right of withdrawal does not apply to credit packages purchased by the Advisor, as the purchase is made in a business capacity (not as a consumer); credits may be used without an expiry date.

9. Liability

The Service Provider operates an intermediary platform; the following provisions govern its liability, without prejudice to the mandatory statutory rights of consumers.

• Sole responsibility for the professional content, accuracy and lawfulness of the advisory service rests with the relevant Advisor; the advisory contract is concluded directly between the Questioner and the Advisor, and the Service Provider is not a contracting party thereto.
• The Service Provider does not guarantee uninterrupted, error-free and continuous availability of the Platform; it bears no liability for damages arising from maintenance, technical failure, viruses or disruption of the internet connection.
• The Service Provider bears no liability for consequences arising from incorrect, incomplete or false data provided by Users.
• The User who submits, uploads or publishes content (text, images, audio, video, links) is responsible for such content; the Service Provider may moderate such content and remove it in the event of an infringement.
• The Service Provider bears no liability for the content of external sites operated by third parties that are accessible via links from the Platform.
• The Service Provider's liability is limited to the extent permitted by law; this provision does not exclude or limit the Service Provider's liability for intentional or grossly negligent conduct, for damages caused to human life, physical integrity or health, or for mandatory liability prescribed by consumer protection legislation.
• The User is liable for any damage caused to the Service Provider or to third parties through unlawful or Terms-infringing use of the Platform.

10. Intellectual property

The content and solutions appearing on the Platform are protected by intellectual property rights.

• The branding, source code, logo, name, graphic elements, texts and database of the Platform constitute the intellectual property of the Service Provider or its rights holders, and are protected by copyright and other legal protections.
• The User may use the content of the Platform only to the extent necessary for the proper use of the service; unauthorised copying, distribution, reproduction, modification or commercial use of the content is prohibited.
• The Advisor warrants that, in respect of the content uploaded by them (introductory text, images), they have the right of disposal over such content and that it does not infringe the rights of any third party; by publishing such content, the Advisor grants the Service Provider a non-exclusive licence of use necessary for the operation of the Platform.
• Third-party trademarks and names appearing on the Platform (such as Stripe, Google, Apple) are the property of the respective rights holders.
• In the event of a breach of these Terms, the Service Provider may enforce its claims under applicable law.

11. Termination of the contract

The legal relationship between the User and the Service Provider may be terminated in the following ways.

• The User may terminate their account at any time by initiating account deletion; termination is effected on the Platform by anonymisation and deactivation of the account.
• Upon deletion of the Advisor profile, the profile will no longer appear on the Platform; the data of the Advisor profile will be permanently deleted after the expiry of the retention period (1 year), except for data subject to accounting obligations.
• The Service Provider is entitled to suspend or delete the User's account without prior notice if the User materially breaches these Terms, engages in unlawful conduct or conduct that disturbs other Users, or uses the Platform in a manner contrary to its intended purpose.
• Ongoing, already confirmed and paid bookings are settled in accordance with the cancellation and refund rules, irrespective of the account termination.
• Termination of the legal relationship does not affect payment and settlement obligations already incurred, or provisions that by their nature survive termination (liability, intellectual property, governing law).

12. Modification of the Terms

The Service Provider reserves the right to unilaterally amend these Terms, in particular in the event of service development, the introduction of new features or changes in legislation. The updated version of the Terms shall be published on the Platform and shall take effect from the date of publication. The Service Provider will provide Users with advance notice of material amendments affecting them, via the Platform or by e-mail. Changes in prices and amendments to the Terms do not affect contracts already concluded and confirmed. If the User does not accept the amended Terms, they are entitled to terminate their account; continued use of the Platform after the amendment constitutes acceptance of the amended Terms.

13. Contact and complaint handling

For questions, requests or complaints regarding the Platform, the service or these Terms, you may contact us at the following addresses, and the following dispute resolution options are available.

• General customer service and complaints: info@alladviser.eu
• Data protection enquiries: privacy@alladviser.eu; data protection contact: dpo@alladviser.eu
• Postal address: Horváth Tibor György e.v., 1123 Budapest, Táltos u. 14. 1/2.
• Phone: +36 30 744 0290
• The Service Provider will investigate any complaint received without delay; in the case of a written complaint, it will provide a substantive response within 30 days at the latest, in accordance with applicable requirements.
• An Online Dispute Resolution (ODR) platform is available for consumers in the European Union, accessible at https://ec.europa.eu/consumers/odr.
• The consumer may also contact the consumer protection authority of the member state in which they reside, or the competent arbitration board; in Hungary, the arbitration board operating alongside the territorially competent chamber of commerce and industry has jurisdiction.
• In the event of a data protection complaint, the consumer may contact the supervisory authority: Nemzeti Adatvédelmi és Információszabadság Hatóság (NAIH), 1055 Budapest, Falk Miksa utca 9-11., phone: +36 1 391 1400, e-mail: ugyfelszolgalat@naih.hu, web: www.naih.hu; consumers residing in the EU may also contact the data protection authority of their own member state.

14. Governing law and jurisdiction

These Terms and the legal relationship between the Service Provider and Users are governed by Hungarian law, including the directly applicable legislation of the European Union. However, a User qualifying as a consumer retains the protection afforded by the mandatory consumer protection provisions of the law of the member state of their habitual residence, from which no derogation may be made by agreement (in accordance with Regulation (EC) No 593/2008 — Rome I — on the law applicable to contractual obligations). The legal relationship is governed in particular by the following EU legislation: the General Data Protection Regulation (Regulation (EU) 2016/679, GDPR); Directive 2011/83/EU on consumer rights and the Hungarian legislation transposing it; Regulation (EU) 2018/302 on addressing unjustified geo-blocking and other forms of discrimination (geo-blocking regulation); and Government Decree No 373/2021. (VI. 30.) on contracts for the sale of goods, the supply of digital content and the provision of digital services. The parties wish to resolve their disputes primarily amicably through negotiation; in the absence of a resolution, a consumer may also refer the matter to the court having jurisdiction and competence in their member state of residence, in accordance with the applicable EU rules on jurisdiction. In legal relationships with non-consumer Users, the court having jurisdiction and competence under Hungarian law has authority.