Terms and Conditions

Network Marketing Magazine (the “Magazine”, “Service Provider”, “we”) provides its paid services under the following Terms and Conditions. By using the Service (registration, order, subscription), the User/Buyer (“User”) accepts these Terms.

Details of personal data processing are set out separately in the Privacy Notice (/privacy). The Partner Programs (Leadership/Corporate Partner Program, Expert Partner Program) are governed by an individual, signed Partner Agreement and its own terms annex — see the Partner Agreement page.

1. Service provider details

• Company name: 10x Akadémia Kft.
• Registered seat: 1136 Budapest, Tátra utca 5. A. ép. alagsor 2. ajtó, Magyarország
• Company registration number: 01-09-453005
• Tax number: 32987953-2-41
• Customer service e-mail: info@webinar4me.com

The language of the contract is Hungarian. These Terms are available electronically on the Magazine's platform; the User accepts them electronically (by checking a box) during ordering/registration.

2. Scope of the Service

The Magazine offers the following independently orderable/subscribable services:

• Webshop — purchase of digital (downloadable) and physical (shipped) professional publications (books, workbooks).
• Subscription modules — Knowledge Base, AI Mentor, Contact List + Recruitment (CRM), Academy, ad-free browsing, Newsletter, and Networker Business Card listing (BASIC/PRO/ELITE) — bundled, billed monthly or annually.
• Top Networkers Club — documented-income-verified, annual-fee prestige membership.
• Self-service advertising — periodic booking of advertising placements on the Magazine's platform, for a fee.
• Marketplace — duration-based, subscription-style placement (creative rotation) within the Webshop.

The Service Provider reserves the right to expand or narrow the scope of the Service; this does not affect already activated, paid services until the end of the paid period.

3. Registration and conclusion of the contract

Use of paid services requires registration (creating a user account). The User must provide accurate, true data during registration and ordering, and must keep it up to date.

The contract between the User and the Service Provider is concluded upon finalising the order/subscription (clicking “Pay” or “Order”, or — for the Top Networkers Club and Marketplace — upon approval by the Service Provider). The Service Provider confirms acceptance of the order/application by e-mail.

4. Prices, payment and invoicing

Prices shown on the Magazine's platform are — unless indicated otherwise — gross prices, in Hungarian forint (HUF), euro (EUR) or US dollar (USD), depending on the service. The exact amount payable is always displayed before ordering/payment.

Payment is made by bank card, through the payment provider used by the Service Provider (currently Stripe, and Paddle for certain services), or — at the Service Provider's discretion — by bank transfer/pro-forma invoice. The Magazine does not store card data; it is processed by the payment provider under its own privacy rules.

Upon successful payment, the Service Provider issues an electronic invoice via the Számlázz.hu system — where required by law or warranted by the nature of the service — and sends it to the e-mail address provided by the User.

5. Subscriptions — term, automatic renewal, cancellation

Monthly or annual subscription services (Knowledge Base, AI Mentor, CRM, Academy, Networker Business Card, etc.) automatically renew at the end of the selected billing period (month/year) — unless stated otherwise or cancelled — and the fee for the next period is automatically charged using the registered payment method.

The subscription can be cancelled at any time, without justification, effective at the end of the current period, from the account settings. Fees already paid for the current period are — subject to the exceptions in Section 6 below — non-refundable; the service remains usable until the end of the paid period.

The Top Networkers Club membership fee is annual, tied to maintaining the club-level requirements; membership ends at the end of the paid period if not renewed. The term and termination rules of the Expert Partner Program and the Partner Programs are set out in their own individual Partner Agreements.

6. Right of withdrawal and cancellation (consumers)

A User qualifying as a consumer has a 14-day right of withdrawal/cancellation without justification, under Government Decree 45/2014 (II. 26.) on the detailed rules of contracts between consumers and businesses.

• Physical product (Webshop): the withdrawal period is 14 days from receipt of the product (or, for multi-item orders, the last item). In case of withdrawal, the product must be returned at the consumer's own expense; the Service Provider refunds the purchase price, including the standard shipping fee, without undue delay after the product is returned (or return is proven).
• Digital content (downloadable e-book/workbook): under Section 29(1)(m) of the Decree, the consumer LOSES the right of withdrawal if the Service Provider began performance with the consumer's EXPRESS, prior consent, and the consumer simultaneously acknowledged the resulting loss of the right of withdrawal. For the Webshop's digital products, this consent and acknowledgement is explicitly obtained during purchase, before the download begins.
• Subscription service (Knowledge Base, AI Mentor, CRM, Academy, etc.): due to the nature of the service, performance that begins with the first login/access is likewise subject to the digital-content rule above — at the time of ordering, the consumer expressly consents to immediate performance and acknowledges the resulting loss of the right of withdrawal once use has begun. Irrespective of this, the subscription may still be cancelled at any time, effective at the end of the current period, as set out in Section 5.
• Top Networkers Club, self-service advertising, Networker Business Card, Marketplace: if, at the User's express request, the Service Provider begins performance within the 14-day period (e.g. the ad goes live, the club membership activates), the consumer must pay a fee proportionate to the service already performed even in case of withdrawal.

Beyond its statutory obligations, as a voluntary commitment, the Service Provider refunds the fee proportionate to the unused period for subscription content services (Knowledge Base, AI Mentor, CRM, Academy) where cancellation is notified within 14 days of the order — even if the User consented to immediate performance at the time of ordering and thereby lost the right of withdrawal as set out above. In such cases the cancellation takes effect immediately upon notification: access ends at the same time, and this is precisely what makes the fee for the unused days refundable. The refund is calculated from the fee actually paid by the User, pro-rated per calendar day, where a day already started counts as a used day. Cancellation may be initiated in the User's account, on the subscription cancellation screen, or notified via the e-mail address given in Section 1.

The User may notify the Service Provider of their intention to withdraw/cancel via the e-mail address given in Section 1, by an unambiguous statement (deadline: the statement must be sent within the 14-day period).

7. Complaint handling and remedies

The User may submit complaints regarding the service or order to the customer service e-mail address above. The Service Provider investigates and responds to complaints in writing, within the statutory deadline.

If the complaint is not resolved satisfactorily, a User qualifying as a consumer may turn to the following forums:

• Consumer arbitration board — the board competent for the User's place of residence, or the Budapesti Békéltető Testület competent for the Service Provider's seat (1016 Budapest, Krisztina krt. 99. III. em. 310., postal address: 1253 Budapest, Pf.: 10., e-mail: bekelteto.testulet@bkik.hu, website: bekeltet.bkik.hu).
• The European Commission's Online Dispute Resolution (ODR) platform: ec.europa.eu/consumers/odr — for disputes arising from cross-border online purchases.
• The consumer protection authority (the district office responsible for consumer protection) — in the event of a consumer protection law violation.

8. Intellectual property

Content available on the Magazine's platform (articles, course materials, templates, graphics, trademarks) constitutes the intellectual property of the Service Provider or its licensors. Copying, distributing or commercially using this content requires the Service Provider's prior written permission — this does not restrict the User's own private use of purchased Webshop products.

9. The User's contact list and CRM data (Virtual Office)

9.1. The data belongs to the User

The data entered by the User into the Virtual Office (contact list, CRM, product activities, tasks, notes) — in particular the names and contact details of their contacts — remains the property of the User. The Service Provider acquires no ownership or usage rights over it: it does not use it for its own business purposes, does not analyse it, does not combine it with its other databases, does not transfer it to third parties, does not use it for advertising or outreach, and does not train artificial intelligence models with it.

9.2. The Service Provider cannot see it — and the system enforces this

The content of the User's contact list cannot be read by the Service Provider's staff, including those with administrator privileges. This is not merely an undertaking: the system's access rules are configured so that this data can only be returned to the user account it belongs to, and it does not appear in the administration interface at all. For operational and billing purposes the Service Provider may access quantitative data only (e.g. how many records belong to an account), never its content.

9.3. The User's responsibility for their own list

In respect of their own contact list the User acts as data controller and the Service Provider as processor (GDPR Article 28): it processes the data solely to the extent necessary to provide the service and in accordance with the User's instructions. The User is responsible for having an appropriate legal basis for processing the personal data they enter, and for respecting the rights of the data subjects (information, access, erasure, objection). The Service Provider neither reviews nor is able to see the content entered, and therefore cannot assume responsibility for its lawfulness.

9.4. Export at any time

During the subscription period the User may, at any time, without a separate request or fee, export their own data stored in the Virtual Office in a machine-readable format. This also constitutes the means of exercising the right to data portability under the GDPR.

9.5. What happens to the data when the subscription ends

The Service Provider does not retain the User's data longer than necessary to provide the service. When the subscription ends — by cancellation, expiry or non-payment — the following applies:

1. 1.Cancellation does not terminate access immediately: the subscription continues unchanged until the end of the period already paid for, and no data is lost during that time.
2. 2.A grace period of 30 calendar days follows the end of the paid period. During this time the data is retained, the Virtual Office is read-only, export remains available, and restarting the subscription restores everything.
3. 3.At the start of the grace period, and again 7 days before it ends, the Service Provider notifies the User by email and provides the option to export the data and to restart the subscription.
4. 4.After the grace period expires the Service Provider permanently and irreversibly deletes the data stored in the Virtual Office. Once deleted, the data cannot be restored and the work performed cannot be recovered.

If a payment fails, the Service Provider notifies the User by email, states when the next attempt will be made, and provides a one-click option to correct the payment method or replace the card. The data grace period starts only once the repeated payment attempts have also failed — a single failed payment alone never results in any data loss.

9.6. Deleting the account

If the User requests deletion of their account, the Service Provider deletes the data stored in the Virtual Office — the contact list, notes, tasks, product activities and related records — together with the account. The only exception is data the Service Provider is required by law to retain (in particular accounting documents and the billing trail); such data is retained separately until the end of the statutory retention period.

10. Limitation of liability

The Magazine's content (articles, analyses, AI assistant responses, company information) is informational and does not constitute investment, legal or tax advice. The Service Provider exercises reasonable care but does not warrant the completeness or timeliness of the content, and is not liable for business decisions the User makes based on it.

Except where mandatorily prescribed by law, the Service Provider's liability is limited to the amount actually paid by the User. The Service Provider is not liable for service disruptions arising from causes beyond its control (e.g. outages, third-party payment provider failures, force majeure).

11. Suspension and termination by the Service Provider

The Service Provider is entitled to suspend the User's access or terminate the contract with immediate effect if the User materially breaches these Terms, the Magazine's Code of Ethics, or applicable law (e.g. abusive use, unauthorised content sharing, payment fraud). In such cases, the Service Provider is not obliged to refund fees already paid for the unused period.

12. Amendment of these Terms

The Service Provider is entitled to unilaterally amend these Terms; it publishes any amendment on the Magazine's platform at least 15 days before it takes effect, and — for registered Users — also notifies by e-mail. For already existing, ongoing subscriptions, the amendment applies from the end of the current paid period.

13. Governing law and jurisdiction

These Terms and the contractual relationship between the Service Provider and the User are governed by Hungarian law — in particular Act V of 2013 on the Civil Code and Government Decree 45/2014 (II. 26.). Matters not regulated by these Terms are governed by Hungarian legislation.

14. Contact

Questions regarding these Terms, orders or subscriptions, as well as withdrawal/cancellation statements and complaints, are received at info@webinar4me.com.