Privacy Policy & Terms of Use

1. Introduction & Acceptance of Terms

Welcome to LCA (Lietuvos Crypto Angliukai). By accessing or using this platform in any way — including browsing, registering, logging trades, subscribing to any service, participating in tournaments, uploading homework, using AI features, posting on forums, or communicating — you enter into a binding agreement with LCA under these terms. If you do not agree to any part of these terms, you must immediately cease all use of the platform.

This document constitutes our: (a) Privacy Policy under GDPR and applicable Lithuanian law; (b) Terms of Use; (c) Financial and Risk Disclaimer; (d) Signal & Information Disclaimer; (e) AI-Generated Content Disclaimer; (f) Tournament & Competition Terms; (g) Educational Services Terms; (h) Technical Indicator Disclaimer; (i) Mentoring Disclaimer; (j) Payment Terms; (k) Limitation of Liability; and (l) Funded Account Tools Disclaimer. These terms may be updated at any time without prior notice. Continued use after an update constitutes acceptance of the revised terms. The effective date of each version is displayed at the top of this page. Your acceptance of these terms is recorded electronically (timestamp and IP address) when you register.

2. About LCA — Who We Are & What We Are NOT

LCA is an informal, community-run educational platform operating from Lithuania. We are NOT:

• A licensed investment firm, investment intermediary, broker, financial advisor, portfolio manager, or asset manager.
• A licensed virtual asset service provider (VASP) or crypto exchange.
• A company registered or authorised under MiFID II, the Lithuanian Law on Markets in Financial Instruments, or any equivalent financial regulation.
• Registered with, regulated by, or affiliated with any financial authority, including the Bank of Lithuania (LB), the European Securities and Markets Authority (ESMA), the U.S. SEC, the FCA, or any other supervisory body.
• A licensed educational institution, university, accreditation body, or certification authority.
• A software vendor providing guaranteed or warranted trading tools, indicators, or automation systems.
• Responsible for any trades, investments, financial decisions, or financial losses you incur.
• Providing managed accounts, discretionary trading, or any service where we act on your behalf in any financial market.
• A prop firm, funded account provider, or account evaluation service.

LCA operates solely as an informal educational community and software platform. Any content, discussion, tool, indicator, AI output, or shared information on this platform that may appear to resemble professional financial services is for educational and community discussion purposes only.

3. Financial & Investment Risk Warning

All content on this platform — including trade journals, statistics, AI-generated analysis, AI mentor outputs, crash prediction models, on-chain data analytics, mentor commentary, community discussions, forum posts, charts, leaderboards, tournament rankings, technical indicators, and educational materials — is provided STRICTLY for informational and educational purposes only. It does NOT constitute:

• Investment advice or an investment recommendation to buy, sell, hold, or trade any financial instrument, cryptocurrency, token, derivative, or other asset.
• A personal recommendation tailored to your individual financial situation, objectives, or risk tolerance.
• A solicitation, offer, or advertisement to buy or sell any security, financial product, or regulated instrument.
• Financial planning, tax advice, legal counsel, or accounting guidance.
• A guarantee, prediction, or projection of any investment outcome or return.
• A signal service, managed portfolio, or copy-trading service within the meaning of any financial regulation.

By using this platform you explicitly acknowledge and accept that: (a) cryptocurrency markets are highly volatile, unregulated in many jurisdictions, and can decline to zero without warning; (b) leveraged trading can result in losses substantially exceeding your initial deposit; (c) LCA, its operators, mentors, admins, contributors, and members bear NO responsibility whatsoever for any financial losses you incur as a result of using information, tools, indicators, AI outputs, or any content from this platform; (d) you will never invest money you cannot afford to lose; (e) all investment and trading decisions are made independently and of your own free will, without any compulsion or reliance on LCA content; (f) AI-generated content on this platform is experimental, may be inaccurate, incomplete, or misleading, and must NEVER be relied upon for real financial or investment decisions; (g) past performance of any user, mentor, signal, indicator, AI model, or system shown on this platform does not guarantee, predict, or imply future results; (h) "crash prediction models," "institutional flow data," and similar features are analytical tools based on historical patterns and statistical models — they are NOT predictive guarantees and can be entirely wrong.

4. Signal & Channel Access Disclaimer (VIP LIGHT / VIP NARYSTĖ)

The VIP LIGHT and VIP NARYSTĖ subscriptions grant access to curated Discord channel categories, which may include channels operated by third parties. This access is provided strictly as a community aggregation service for educational and informational purposes. LCA explicitly states that:

• LCA does NOT create, endorse, verify, audit, or take responsibility for any signals, calls, or analyses shared in any third-party Discord channel.
• Third-party channel operators are fully independent. LCA has no control over the accuracy, legality, or quality of content they share.
• Any information shared in these channels is the sole opinion and responsibility of the individual who shared it.
• Signal information is NOT tailored to any individual's financial situation. Following any signal without your own analysis is done entirely at your own risk.
• LCA does not act as an investment intermediary or financial instrument distributor under MiFID II or any Lithuanian law by providing channel access.
• Historical performance of any signals discussed in any channel does not guarantee future results.
• You are solely responsible for verifying whether accessing or following signals from any jurisdiction-specific channel complies with your local law.
• VIP NARYSTĖ includes proprietary technical analysis from LCA mentors — this is opinion-based educational content, NOT regulated investment advice.

VIP LIGHT and VIP NARYSTĖ are community access passes — not investment products. By purchasing access, you confirm you understand that no financial advice is being provided and that all decisions based on any shared content remain entirely your own responsibility. LCA accepts no liability for any losses resulting from following, copying, or acting on any content from any channel accessible through these memberships.

5. AI-Generated Content & Automation Disclaimer

LCA offers various AI-powered features across its services, including but not limited to:

• LCA Dashboard AI Mentor: Analyses your trading journal data to identify patterns, provide feedback, and suggest areas for improvement. This is algorithmic pattern recognition on YOUR historical data — not investment advice.
• LCA Intelligence: Provides on-chain data analytics, institutional flow analysis, and statistical models. These are data aggregation and visualisation tools — NOT predictive guarantees.
• LCA AI Trader (when available): An autonomous AI trading system. Any trading performed by AI systems is experimental. You use such systems entirely at your own risk. LCA makes NO guarantee of profitability, accuracy, or safety of AI-generated trades.
• AI-generated signals and analysis across any LCA service are produced by machine learning models that can and do produce incorrect, misleading, or harmful outputs.

By using any AI feature you explicitly acknowledge: (a) AI outputs are not investment advice and are not reviewed by qualified financial advisors before being displayed; (b) AI systems can hallucinate, produce factually incorrect analysis, or generate systematically biased outputs; (c) you bear sole responsibility for any decision made based on AI-generated content; (d) LCA makes no warranty about the accuracy, reliability, timeliness, or completeness of any AI output; (e) AI features may be modified, degraded, or discontinued at any time without notice or liability; (f) AI analysis of your trading data does not create a fiduciary, advisory, or professional relationship between you and LCA.

6. LCA Arena — Tournament & Competition Terms

LCA Arena offers competitive trading leaderboards, rankings, and tournament events. By participating in any LCA Arena competition you agree that:

• Tournaments are skill-based competitions for entertainment and educational purposes. Participation involves financial risk and is not suitable for everyone.
• Tournament entry fees (where applicable) are non-refundable once the competition period has begun, regardless of your performance or early withdrawal.
• Prize pools and distributions are determined solely by LCA at its discretion. LCA reserves the right to modify prize structures, rules, or cancel tournaments at any time for any reason, including suspected fraud or manipulation.
• Rankings and leaderboards reflect self-reported or platform-verified trading data. LCA does not independently verify every trade on external platforms and cannot guarantee the accuracy of all reported results.
• You are solely responsible for any tax obligations arising from tournament winnings in your jurisdiction. LCA does not provide tax reporting for prize distributions.
• LCA reserves the right to disqualify any participant suspected of manipulating results, submitting false data, using multiple accounts, or engaging in any form of fraud. Disqualified participants forfeit all prizes without recourse.
• Paper trading competitions involve simulated results only and carry no financial risk, but also no guaranteed real-money prizes unless explicitly stated.
• Live trading competitions involve real financial risk. You may lose money. LCA is not responsible for any trading losses incurred during competitions.

LCA Arena is NOT a gambling service, betting platform, or lottery. Competitions are based on trading skill and market conditions. Outcomes are not controlled or predetermined by LCA. Tournament participation does not create an employer-employee, partnership, or agency relationship with LCA.

7. LCA Study Club — Educational Programme Terms

LCA Study Club provides a structured educational programme including lessons, homework assignments, forum discussions, and graded assessments. By enrolling in Study Club you agree that:

• Study Club content is educational material created by community mentors — NOT accredited academic coursework, certified professional training, or qualification-bearing education.
• Certificates and badges issued upon completion are community recognition only. They carry no legal, professional, or academic accreditation value and are not recognised by any educational authority, employer, or regulatory body.
• Homework submissions (including uploaded files and notes) are stored on LCA servers and may be reviewed by mentors and administrators for grading and feedback purposes.
• Forum posts within Study Club are visible to other Study Club members. You are responsible for ensuring your posts do not contain personal financial information, account credentials, or content that violates applicable law.
• Mentors providing Study Club content are community volunteers sharing their knowledge — not licensed educators, financial advisors, or certified professionals.
• Programme content, structure, duration, and pricing may be modified at any time without prior notice.
• Completion of Study Club does not guarantee trading proficiency, financial success, or any particular outcome.

By uploading homework or posting in Study Club forums, you grant LCA a non-exclusive, royalty-free licence to store, display, review, and process your submitted content solely for the purposes of providing the educational service. You retain ownership of your original content.

8. LCA Indikatoriai — Technical Indicator Disclaimer

LCA Indikatoriai provides custom TradingView indicators and analytical tools. By using any LCA indicator you agree that:

• Indicators are software tools that apply mathematical formulas to historical price data. They display visual information on charts — they do NOT predict future price movements.
• Entry and exit signals generated by indicators are algorithmic calculations based on historical patterns. They are NOT buy or sell recommendations.
• No indicator, regardless of back-tested performance, guarantees profitable trading. Past indicator performance on historical data does NOT predict future results.
• Indicators may produce false signals, lag behind real-time market conditions, or fail during periods of extreme volatility, low liquidity, or unusual market conditions.
• LCA does not warrant that indicators will be error-free, uninterrupted, or compatible with all TradingView configurations, markets, or timeframes.
• You are solely responsible for any trading decision made based on indicator outputs. Using indicators without understanding their logic and limitations is done at your own risk.
• Indicator access is provided for the purchased subscription period only. Indicators may be updated, modified, or discontinued at LCA's discretion.

LCA indicators are provided "AS IS" without warranty. LCA expressly disclaims any implied warranties of merchantability, fitness for a particular purpose, or non-infringement in connection with indicator software. No financial or trading outcome is guaranteed.

9. LCA Mentorystė — Private Coaching Disclaimer

LCA Mentorystė provides private 1-on-1 coaching sessions with LCA community mentors. By booking a mentoring session you agree that:

• Mentors are experienced community members sharing their personal knowledge and approach to trading — NOT licensed financial advisors, registered investment professionals, or certified educators.
• Nothing discussed in a mentoring session constitutes investment advice, a personal financial recommendation, or a regulated advisory service.
• Strategies, chart analyses, and opinions shared by mentors reflect their personal approach and may not be suitable for your financial situation, risk tolerance, or experience level.
• Session fees are non-refundable once the session has been conducted. Cancellation terms are communicated at the time of booking.
• LCA does not guarantee the quality, accuracy, or profitability of any information shared during mentoring sessions.
• A mentoring relationship does not create a fiduciary duty, professional advisory relationship, or any ongoing obligation from LCA or its mentors to you.
• You are solely responsible for any trading or investment decisions you make before, during, or after a mentoring session.

10. LCA Dashboard — Trading Journal & Analytics Terms

LCA Dashboard provides trading journal, statistics, AI analysis, and performance tracking features across multiple subscription tiers (Member, Analytic, Trader). By using the Dashboard you agree that:

• Trading data you log (pairs, entries, exits, sizes, leverage, P&L, notes, screenshots, tags) is voluntarily submitted by you and stored in our database.
• AI-generated analysis, pattern detection, and mentor feedback based on your trading data are algorithmic outputs — NOT financial advice.
• Statistics, win rates, profit/loss figures, and performance metrics displayed on the Dashboard reflect the data YOU have entered. LCA does not verify the accuracy of self-reported trading data.
• Gamification features (XP, badges, missions, leaderboards) are designed to encourage platform engagement and do not represent financial achievement or trading competence.
• Dashboard features, tier benefits, and pricing may be modified at any time. Active subscriptions will be honoured for the purchased period at the purchased price.
• Data exports (CSV, JSON) are provided as a convenience. LCA does not guarantee export format stability or compatibility with third-party tools.

11. LCA Intelligence — Market Data Disclaimer

LCA Intelligence provides institutional-grade market data, on-chain analytics, and statistical models covering crypto, forex, and equity markets. By using Intelligence features you agree that:

• On-chain data, institutional flow analysis, and market intelligence are informational tools compiled from publicly available and third-party data sources.
• "Crash prediction models" and similar features are statistical models based on historical correlations. They can and do produce incorrect predictions. No model can reliably predict market crashes.
• Data may be delayed, incomplete, or inaccurate. LCA does not warrant the timeliness, accuracy, or completeness of any data displayed.
• LCA is not a data vendor, market data provider, or information service within the meaning of financial regulations.
• Using Intelligence data as the sole basis for investment decisions is done entirely at your own risk.

12. Funded Account Tools Disclaimer

LCA provides tools for tracking funded trading accounts (checklists, progress tracking). These tools are provided as organisational utilities only. LCA explicitly states:

• LCA is NOT a prop firm, funded account provider, or evaluation service. Tools are provided to help you organise your own funded account journey.
• LCA has no affiliation with, control over, or responsibility for any prop firm or funded account provider. Links to such services (including HyroTrader, FundedNext, CryptoFundTrader) are third-party referral partnerships.
• LCA does not guarantee that using our tracking tools will help you pass evaluations or maintain funded accounts.
• Any referral commissions received from prop firm partnerships do not constitute endorsement of their solvency, reliability, or terms.

13. Payment Terms & No-Refund Policy

All payments on the LCA platform are processed via cryptocurrency transactions on the BNB Smart Chain (BSC) network using USDT (BEP-20). By submitting a payment you agree to the following:

• All payments are final and non-refundable. Blockchain transactions are irreversible by their technical nature. Once a transaction is confirmed on-chain, no refund can be issued under any circumstances.
• You are solely responsible for sending the correct amount to the correct wallet address on the correct network (BEP-20 only). Payments sent via any other network are unrecoverable and will be lost.
• Payments sent in the wrong amount, to the wrong address, or on the wrong network will NOT be credited and cannot be refunded.
• LCA does not process, store, or have access to your private keys or wallet credentials at any point.
• Subscription access is granted for the purchased duration only. Subscriptions do not automatically renew. You must purchase a new subscription before expiry to maintain continuous access.
• Subscription periods begin from the moment access is granted by an LCA administrator (not from the moment of payment). Access is typically granted within 24 hours of payment verification.
• LCA reserves the right to modify subscription pricing at any time. Existing active subscriptions will be honoured at the purchased price for the purchased period.
• Discount codes are provided at LCA's sole discretion, are non-transferable, single-use, and may be revoked at any time. Used discount codes have no cash value.
• Payment verification is automated via on-chain TX hash validation. Transactions must be submitted within 2 hours of initiation and require a minimum of 12 block confirmations.
• Payment disputes must be raised within 14 days of the transaction date via Discord. After 14 days, payment disputes will not be considered.

LCA does not operate as a payment service provider or handle fiat currency transactions. Cryptocurrency transactions recorded on the blockchain constitute the binding record of payment. Transaction hash records are stored by LCA for a minimum of 3 years for legal and dispute resolution purposes.

14. Third-Party Exchange Links & Referral Partnerships

LCA displays links, referral codes, and promotional content relating to third-party trading platforms and services, including but not limited to MEXC, BingX, PrimeXBT, HyroTrader, FundedNext, and CryptoFundTrader. These are fully independent companies over which LCA has no control. Important disclosures:

• LCA may receive compensation (commissions, rebates, referral bonuses) from some or all referral partnerships. This constitutes a material financial interest.
• Referral compensation does NOT constitute an endorsement of the financial suitability, regulatory compliance, solvency, or security of these platforms for your purposes.
• LCA is not responsible for the operations, terms of service, regulatory status, security practices, solvency, or any losses incurred through use of third-party platforms.
• Third-party platforms may not be licensed or regulated in your jurisdiction. You are solely responsible for verifying their legal status before depositing funds.
• LCA has no control over changes to third-party platform terms, fees, withdrawal policies, or account restrictions.
• Always review each platform's own terms, regulatory status, risk disclosures, and applicable deposit/withdrawal fees before depositing funds.

15. Privacy Policy & GDPR Compliance

LCA processes personal data of users including those located in the European Economic Area (EEA). This processing is subject to Regulation (EU) 2016/679 ("GDPR") and the Lithuanian Law on Legal Protection of Personal Data (Lietuvos Respublikos asmens duomenų teisinės apsaugos įstatymas). We are committed to processing your data only to the extent necessary and in compliance with applicable data protection law.

16. Data Controller

The data controller for personal data processed on this platform is the LCA platform operator (Lietuvos Crypto Angliukai community). For all data-related inquiries or to exercise your GDPR rights, contact us via:

• Discord: Our official LCA Discord server (primary and fastest contact method).
• Platform: The Contact page on the LCA website.

We aim to respond to all data subject rights requests within 30 days as required by GDPR Article 12. For complex requests we may extend this period by a further two months, in which case we will inform you within 30 days of receiving your request. We do not currently have a designated Data Protection Officer (DPO) as our processing does not fall within the mandatory DPO threshold under GDPR Article 37.

17. Information We Collect

We collect the following categories of personal data:

• Identity & Account Data: username, display name, email address, Discord ID, profile picture, and account settings you voluntarily provide.
• Authentication Data: Discord OAuth tokens and session tokens managed via Supabase Auth. We do not store passwords — authentication is delegated to Discord's OAuth 2.0 system.
• Trading Journal Data: trades you voluntarily log — pairs, entry/exit prices, position sizes, leverage, profit/loss, notes, screenshots, tags, and associated analytics.
• AI Processing Data: your trading journal data is processed by AI models to generate patterns, feedback, and mentor-style analysis. This processing occurs on our servers and via our AI service providers.
• Study Club Data: homework submissions (uploaded files up to 10MB, notes), forum posts, thread discussions, lesson progress, and graded assessment results.
• Tournament & Arena Data: competition entries, rankings, performance metrics, and prize eligibility records.
• Funded Account Data: funded account tracking entries, checklist items, notes, and progress data you voluntarily log.
• Usage & Technical Data: pages visited, features used, session duration, device type, browser information, and IP address.
• Communication Data: messages in the inbox system, mentor notes, and feedback you submit.
• Gamification Data: XP points, mission progress, badge achievements, and shop transaction records.
• Payment & Transaction Data: cryptocurrency transaction hashes (TX hashes), payment amounts, plan IDs, discount codes used, subscription expiry dates. We do NOT store wallet private keys, wallet seed phrases, or bank account information.
• Terms Acceptance Record: the timestamp and IP address at which you accepted these terms during registration. This record is retained as evidence of informed consent for legal compliance purposes.
• Security Data: IP addresses at login, country codes, last-seen timestamps, rate-limiting counters, and ban records where applicable.

18. Legal Basis for Processing (GDPR Article 6)

We process your personal data under the following lawful bases:

• Contract Performance (Art. 6(1)(b)): Processing necessary to provide the platform services you register for, including account management, trade journaling, AI analysis, Study Club participation, tournament participation, subscription access, and communication features.
• Legitimate Interests (Art. 6(1)(f)): Platform security, fraud prevention, abuse prevention, tournament integrity, system analytics, and product improvement — where our legitimate interests do not override your fundamental rights and freedoms.
• Consent (Art. 6(1)(a)): For optional communications and AI processing of your data. You may withdraw consent at any time by contacting us. Withdrawal does not affect the lawfulness of processing that occurred before withdrawal.
• Legal Obligation (Art. 6(1)(c)): Where processing is required by applicable EU or Lithuanian law, including record retention obligations and responding to lawful law enforcement requests.

19. How We Use Your Information

Your information is used to:

• Provide and maintain the trading journal, dashboard, statistics, AI analysis, and community features.
• Authenticate your identity and manage your account securely.
• Verify cryptocurrency payments and manage subscription access.
• Track your trading performance, statistics, and analytics within the platform.
• Process your trading data through AI models to generate personalised feedback and pattern analysis.
• Manage the Study Club educational programme including homework review, forum moderation, and grading.
• Operate LCA Arena tournaments, leaderboards, and competition integrity checks.
• Manage the missions, XP, points gamification system, and shop purchases.
• Send you inbox messages, system alerts, and mentor notes.
• Enable admin features such as user management, trade verification, and platform analytics.
• Improve our platform and develop new features based on aggregated, anonymised usage patterns.
• Ensure platform security, detect and prevent abuse, enforce rate limits, and investigate violations of these terms.
• Maintain legal records of terms acceptance, payments, and subscription history as required by applicable law.

20. Data Processors & Third Parties

We use the following sub-processors who may handle your personal data. Each is bound by appropriate data protection agreements:

• Supabase Inc. (USA) — Database hosting, backend infrastructure, file storage (homework uploads), and authentication. Supabase provides Standard Contractual Clauses (SCCs) approved by the European Commission for EU-U.S. data transfers.
• Discord Inc. (USA) — OAuth2 authentication and community platform. By logging in with Discord, you are also subject to Discord's Privacy Policy (discord.com/privacy) and Terms of Service. Discord participates in applicable EU-U.S. data transfer mechanisms.
• Vercel Inc. (USA) — Web hosting and serverless functions. Vercel may process request logs and IP addresses solely for platform delivery. Vercel provides SCCs for EU-U.S. data transfers.
• AI Service Providers — AI models used for trading journal analysis, pattern detection, and mentor features may process your trading data. This processing is subject to the AI service provider's data processing agreements and does NOT involve sharing your personal identity information with AI providers.
• BNB Smart Chain (Public Blockchain) — Cryptocurrency transaction hashes submitted for payment verification are processed against the public BSC blockchain. Transaction data on public blockchains is inherently public and cannot be deleted.

We do NOT sell, rent, trade, or share your personal data with any third party for commercial, marketing, or advertising purposes. We do not use your trading data for any purpose beyond providing the platform services you requested. Referral partner platforms (MEXC, BingX, PrimeXBT, HyroTrader, FundedNext, CryptoFundTrader) do NOT receive your personal data from LCA — any data you provide to those platforms is subject to their own privacy policies.

21. International Data Transfers

As we use US-based service providers (Supabase, Discord, Vercel), your data may be transferred and stored outside the European Economic Area (EEA). All such transfers are protected by Standard Contractual Clauses (SCCs) approved by the European Commission pursuant to GDPR Article 46(2)(c), or other equivalent transfer mechanisms under applicable data protection law. You may request details of these transfer safeguards by contacting us.

22. Data Retention

We retain your personal data for the following periods:

• Account and profile data: for the duration of your account, plus up to 30 days following a verified and actioned deletion request.
• Trading journal data: for the duration of your account. Exported and/or deleted upon verified account deletion request.
• AI processing outputs (patterns, analysis): for the duration of your account. Deleted with account data upon request.
• Study Club data (homework, forum posts, grades): for the duration of your account plus up to 90 days after deletion for backup purposes.
• Tournament & Arena data: for the duration of your account. Anonymised aggregate competition data may be retained indefinitely for platform statistics.
• Funded account tracking data: for the duration of your account.
• Technical and usage logs: up to 90 days.
• Communication data (messages, notes): up to 12 months.
• Payment and transaction records (TX hashes, subscription history): minimum 3 years for legal and dispute resolution purposes.
• Terms acceptance records (timestamp, IP): minimum 5 years as evidence of informed consent.
• Security records (ban records, IP logs, rate-limit data): up to 5 years where necessary to prevent abuse.
• Backup copies: up to 30 days after deletion from live systems.

After applicable retention periods expire, data is securely deleted or irreversibly anonymised. We do not retain personal data beyond what is necessary for the purposes for which it was collected.

23. Your Rights Under GDPR

As a data subject you have the following rights, exercisable at any time by contacting us via Discord or the Contact page:

• Right of Access (Art. 15): Obtain a copy of your personal data we hold and information about how it is processed.
• Right to Rectification (Art. 16): Correct inaccurate or incomplete data.
• Right to Erasure / 'Right to be Forgotten' (Art. 17): Request deletion of your account and associated data, subject to legal retention obligations.
• Right to Data Portability (Art. 20): Receive your personal data in a structured, commonly used, machine-readable format (e.g. JSON/CSV export of your trade journal and Study Club data).
• Right to Restriction of Processing (Art. 18): Limit how we process your data in certain circumstances.
• Right to Object (Art. 21): Object to processing based on legitimate interests, including AI processing of your trading data.
• Right to Withdraw Consent (Art. 7(3)): Where processing is consent-based, withdraw consent at any time without affecting prior processing.
• Right Not to Be Subject to Automated Decision-Making (Art. 22): We do not make legally significant automated decisions based solely on automated processing. AI features provide suggestions only — no automated decision affects your legal rights or access.
• Right to Lodge a Complaint: You have the right to lodge a complaint with the State Data Protection Inspectorate of Lithuania (Valstybinė duomenų apsaugos inspekcija): ada.lt | ada@ada.lt | +370 5 279 14 45 | A. Juozapavičiaus g. 6, Vilnius.

24. Data Breach Notification

In the event of a personal data breach that is likely to result in a risk to your rights and freedoms, we will:

• Notify the State Data Protection Inspectorate of Lithuania within 72 hours of becoming aware of the breach, where feasible (GDPR Art. 33).
• Notify affected users without undue delay where the breach is likely to result in a high risk to their rights and freedoms (GDPR Art. 34).
• Maintain an internal register of all data breaches regardless of whether notification is required.

We implement appropriate technical and organisational measures to minimise the risk of data breaches, including HTTPS/TLS encryption for all data in transit, role-based access controls, and service-role database access controls that limit exposure of personal data.

25. Cookies & Local Storage

We use essential cookies and browser local storage solely to maintain your authentication state, language preference, and user interface settings. We do NOT use advertising cookies, analytics cookies (e.g. Google Analytics), third-party tracking cookies, or any form of cross-site behavioural tracking. Essential storage is technically necessary for the platform to function and does not require separate consent under the Lithuanian Law on Electronic Communications (Lietuvos Respublikos elektroninių ryšių įstatymas) and the EU ePrivacy Directive. We do not set cookies on visitors who have not authenticated.

26. Platform Security

We implement appropriate technical and organisational security measures including:

• HTTPS/TLS encryption for all data in transit.
• Row-Level Security (RLS) in our database — each user can only access their own data.
• JWT-based session authentication with server-side verification on every request.
• Admin operations use a service role key restricted to server-side admin-verified routes only.
• AES-256-GCM encryption for sensitive admin notes stored in the database.
• IP address logging and country detection for security and abuse prevention.
• Rate limiting on payment verification and sensitive API endpoints.
• File upload validation and size limits (10MB) for homework submissions.
• Account ban system with notification to platform administrators.

No internet transmission or data storage system is 100% secure. You use the platform at your own risk from a security perspective. If you discover a security vulnerability, please report it to us immediately via Discord before any public disclosure (responsible disclosure).

27. User-Generated Content

LCA allows users to submit content including forum posts, homework assignments, trade journal entries, and community discussions. By submitting content you agree that:

• You are solely responsible for the content you submit. Content must not contain investment advice, illegal material, hate speech, harassment, spam, or content that violates any applicable law.
• LCA reserves the right to remove, edit, or restrict access to any user-generated content at its sole discretion and without notice.
• Content that could reasonably be construed as a regulated financial recommendation, investment solicitation, or market manipulation will be removed and may result in account termination.
• You grant LCA a non-exclusive, royalty-free, worldwide licence to store, display, process, and moderate your submitted content solely as necessary to provide platform services.
• You retain ownership of your original content. LCA does not claim ownership over your trading data, homework, or forum posts.
• LCA is not responsible for the accuracy, legality, or quality of any user-generated content and does not endorse any views expressed by users.

28. Limitation of Liability

To the maximum extent permitted by the mandatory provisions of Lithuanian and European Union law, LCA, its operators, admins, mentors, contributors, and affiliates shall not be liable for:

• Any financial losses, trading losses, investment losses, or any other economic loss arising from use of this platform, any content on this platform, any AI-generated output, any technical indicator, any mentoring session, or any third-party channel accessible through VIP LIGHT or VIP NARYSTĖ.
• Any indirect, incidental, special, consequential, or punitive damages of any kind.
• Loss of data, loss of profits, loss of goodwill, or loss of business opportunities.
• Reliance on any content, AI-generated output, mentor note, signal, indicator output, community discussion, forum post, tournament ranking, or any other information on the platform.
• Third-party service failures including but not limited to Discord, Supabase, Vercel, TradingView, or any linked exchange, broker, or prop firm.
• Losses incurred during or as a result of LCA Arena tournaments or competitions.
• Unauthorised access to your account resulting from your failure to maintain the security of your credentials.
• Delays in subscription activation or loss of access resulting from platform downtime or technical issues.
• Cryptocurrency transactions sent to incorrect addresses, incorrect networks, or in incorrect amounts.
• Failure of AI systems to produce accurate, timely, or profitable analysis.
• Loss of or corruption to homework submissions, forum posts, or trading journal data.

Where liability cannot be excluded by mandatory law (including mandatory Lithuanian consumer protection law), our total aggregate liability to you for all claims arising from use of this platform shall not exceed the amount you paid to LCA in the 12 months preceding the claim, or €50 (fifty euros), whichever is greater. You agree to indemnify and hold harmless LCA and its operators, admins, mentors, and members from any claims, damages, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the platform; (b) your violation of these terms; (c) your trading and investment decisions made based on any content from this platform; (d) your violation of any applicable law; (e) content you post on forums or submit through the platform; (f) your participation in tournaments or competitions; or (g) your use of any third-party platform accessed through LCA referral links.

29. Age Requirement & Suitability

This platform is strictly for users aged 18 and over. Cryptocurrency and financial instrument trading is legally and practically unsuitable for minors. We do not knowingly collect personal data from persons under 18 years of age. By registering and accepting these terms you explicitly confirm: (a) you are 18 years of age or older; (b) cryptocurrency and leveraged trading is legal in your jurisdiction; (c) you are legally permitted to enter into this agreement in your country of residence; (d) you understand the risks associated with cryptocurrency trading, including the risk of total loss of capital. If we discover or suspect an underage user, their account will be immediately terminated and all associated personal data deleted without notice or liability.

30. Platform Rules & Acceptable Use

By using LCA, you agree NOT to:

• Share content that constitutes or could reasonably be construed as regulated investment advice or financial solicitations.
• Impersonate administrators, mentors, other platform users, or any third party.
• Submit false, manipulated, fabricated, or misleading trading data or tournament results.
• Attempt to circumvent, hack, exploit, reverse-engineer, or disrupt platform security, authentication, rate-limiting, or payment verification systems.
• Use the platform for any unlawful purpose including market manipulation, fraud, money laundering, or any activity that violates applicable Lithuanian or EU law.
• Harass, threaten, abuse, discriminate against, or harm other community members.
• Share content that infringes intellectual property rights of third parties.
• Attempt to access data belonging to other users.
• Use multiple accounts to manipulate tournament rankings, gamification systems, or payment verification.
• Upload malicious files, scripts, or content through homework submission or any other upload mechanism.
• Scrape, crawl, or systematically extract data from the platform without written permission.
• Use AI-generated content from this platform to create competing services or redistribute as your own.

LCA reserves the right to suspend or permanently ban any account for violation of these rules, at our sole discretion and without prior notice or liability. Banned users forfeit any remaining subscription access, tournament participation, and unredeemed prizes without entitlement to a refund.

31. Intellectual Property

All original content created by LCA — including but not limited to the platform software, design, branding, logos, mascots, AI models, custom indicators, Study Club curriculum, and original written materials — is the intellectual property of LCA and its operators. You may not reproduce, distribute, modify, or create derivative works of LCA content without express written permission. You retain ownership of your own trading journal data, homework submissions, and personal content you submit to the platform. By submitting content you grant LCA a non-exclusive, royalty-free licence to store, display, and process your content solely as necessary to provide the platform services. LCA custom TradingView indicators are licensed for personal use only during your active subscription and may not be shared, resold, redistributed, or reverse-engineered.

32. Anti-Money Laundering & Compliance

LCA is an educational community platform and does not operate as a virtual asset service provider (VASP) in the regulated sense. However, we are committed to operating responsibly within applicable Lithuanian and EU law. We reserve the right to:

• Refuse service to any user if we have reasonable grounds to suspect involvement in illegal activity.
• Terminate accounts and retain records where required by applicable law enforcement requests.
• Cooperate fully with Lithuanian authorities, FCIS (Financial Crime Investigation Service — fntt.lt), and European law enforcement where legally required.
• Flag and investigate unusual payment patterns or suspicious transaction activity.

Users are responsible for ensuring their own compliance with applicable tax, anti-money laundering, and cryptocurrency regulations in their country of residence. LCA does not provide tax reporting services or advice. Tournament winnings, referral benefits, and any value received through the platform may be taxable in your jurisdiction.

33. Severability & Waiver

If any provision of these terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, it shall be severed from these terms. The remaining provisions shall continue in full force and effect. The failure of LCA to enforce any right or provision of these terms shall not constitute a waiver of that right or provision. Any waiver of any provision shall only be effective if in writing and signed by LCA.

34. Force Majeure

LCA shall not be liable for any failure or delay in performing its obligations under these terms where such failure or delay results from circumstances beyond its reasonable control, including but not limited to: natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemic, epidemic, blockchain network failures or congestion, third-party service outages (Discord, Supabase, Vercel, TradingView), internet service disruptions, power outages, or strikes. During a force majeure event, LCA's obligations are suspended for the duration of the event.

35. Governing Law & Jurisdiction

These terms are governed by and construed in accordance with the laws of the Republic of Lithuania and applicable European Union regulations (including GDPR), without regard to conflict of law principles. Any dispute, controversy, or claim arising from or relating to these terms or your use of the platform shall be subject to the exclusive jurisdiction of the courts of Vilnius, Lithuania. If you are a consumer in the EU, you may also benefit from mandatory consumer protection provisions of your country of residence that cannot be excluded by contract. Before initiating any formal legal proceedings, you agree to first attempt to resolve any dispute by contacting LCA directly via Discord or the Contact page and engaging in good-faith negotiation for a minimum period of 30 days. The EU Online Dispute Resolution platform is available at ec.europa.eu/consumers/odr.

36. Changes to These Terms

We reserve the right to update these terms at any time. When we make material changes, we will: (a) update the "Effective Date" displayed on this page; (b) display a notice on the platform; and (c) where practicable, send an inbox notification to registered users. Your continued use of the platform after notification of changes constitutes your acceptance of the revised terms. If you do not accept updated terms, you must cease using the platform and may request deletion of your account. We will not retroactively apply changes to reduce your rights in relation to data we have already collected.

37. Contact & Data Subject Requests

For all inquiries including GDPR data subject rights requests, privacy concerns, legal notices, payment disputes, or compliance questions, contact LCA via:

• Discord: Our official LCA Discord server — fastest response. Link available on the platform homepage.
• Platform: The Contact page on the LCA website.
• Supervisory Authority: State Data Protection Inspectorate of Lithuania — Valstybinė duomenų apsaugos inspekcija | ada.lt | ada@ada.lt | +370 5 279 14 45.
• EU Consumer ODR Platform: ec.europa.eu/consumers/odr (for consumer disputes).
• FCIS (Financial Crime Investigation Service): fntt.lt (for AML/financial crime reports).

We will acknowledge receipt of data subject rights requests within 3 business days and provide a substantive response within 30 calendar days as required by GDPR.