Terms of Use

Platform operator

Dumka is operated by Oleks Tech OÜ, an Estonian company. Registry code: 17290539.

Address: Sinika tee 15-2, Järveküla, Rae Vald, Harjumaa, Eesti 75304. Website: https://dumka.care. Contact for support, complaints, DSA notices and contract questions: [email protected].

Oleks Tech OÜ acts as the seller of digital content and Merchant of Record in relation to buyers unless a product page expressly says otherwise.

1. Agreement, roles and acceptance

1.1. These Terms govern access to Dumka, purchases of digital content, account use, coach interactions and content-hosting rules.

1.2. The agreement is concluded by clickwrap acceptance: the user ticks a separate box before registration, payment or another legally significant step. Dumka records the date, time, document version, IP address, User-Agent, acceptance context and, for purchases, the order ID.

1.3. A Coach is a supplier/licensor of content to the platform. The Coach is not the Merchant of Record towards the buyer, but remains responsible to the Operator for legality, accurate descriptions, IP rights, conformity of content and cooperation on claims.

2. Account and restrictions

2.1. Users must provide truthful information, keep account credentials secure and not transfer access to third parties.

2.2. Dumka may restrict access, hide content, suspend payouts or close an account where there is suspected fraud, illegal content, infringement of third-party rights, breach of payment-provider rules, these Terms or law.

2.3. B2B Coaches may be subject to KYC/KYB/AML checks, including through Stripe. Failure to complete checks may stop publication or payouts.

3. Pre-contractual information

3.1. Before payment, users receive information about the seller, main characteristics of the digital content, functionality, compatibility, technical requirements, DRM/restrictions, access term, price, currency, taxes or tax calculation at checkout, withdrawal/refund rules, complaint process and support contact.

3.2. If a personal, private-offer or renewal discount applies, Dumka shows it before payment. Current discounts are not decisions producing legal or similarly significant effects for the user.

3.3. Payment confirmations, receipts, invoices or receipt links are provided by the Operator and/or Stripe according to payment settings and applicable law.

4. Payments, taxes and currency

4.1. Payments are processed through Stripe Checkout or another payment provider. Dumka does not store card details.

4.2. The platform base currency is set in service configuration. Prices may be displayed in another currency for convenience, but the charge is made in the currency shown in Stripe Checkout.

4.3. Oleks Tech OÜ is responsible for seller-side tax obligations for digital services within its registrations, including VAT/OSS or equivalent regimes where applicable. Coaches remain responsible for taxes on their B2B remuneration.

5. Digital content, access and withdrawal

5.1. Access to digital content is normally provided immediately after successful payment or according to the selected tier.

5.2. If access has not started, a consumer has a 14-day right to withdraw from a distance contract unless applicable law provides otherwise.

5.3. To receive immediate access to digital content before the 14-day period expires, the user must give separate explicit consent and acknowledge that the withdrawal right is lost once access starts. This consent is recorded separately during checkout.

5.4. If digital content does not conform to the description, functionality, compatibility or other characteristics communicated before payment, the user may request correction, update, price reduction, refund or another remedy provided by applicable law.

6. Moderation, DSA and illegal content

6.1. Dumka is an online platform for hosting and selling coaches' digital content. Under the Digital Services Act, users and third parties may report illegal content, goods or services via [email protected].

6.2. A notice should include the URL or other content identifier, the reason it is illegal, a sufficient explanation, the notifier's contact details and a good-faith confirmation. Dumka reviews notices without undue delay and reports the outcome where possible.

6.3. If Dumka removes, restricts or demonetizes content or an account, it provides reasons where this is not prohibited by law or unsafe. A user or Coach may appeal at [email protected] within 6 months of the notice.

6.4. Coaches offering content to consumers must provide accurate identification and contact data. Dumka may verify this information and hide offers if traceability requirements are not met.

6.5. Dumka publishes or provides proportionate information about moderation and complaints on request. If the platform becomes subject to additional DSA duties due to size or functionality, it will update procedures and these Terms.

7. Coaching, health and liability

7.1. Dumka provides access to educational, coaching and self-development content. The platform and Coaches do not provide medical, psychotherapy, psychiatric, crisis, legal, financial or other regulated professional services unless expressly stated and properly authorized.

7.2. Content does not replace advice from a doctor, psychotherapist, lawyer, financial adviser or another qualified professional. If a user is in crisis or at risk of harming themselves or others, they should immediately contact local emergency services or crisis resources.

7.3. To the extent permitted by law, Dumka does not guarantee a specific personal, financial, educational or psychological outcome from content.

8. Intellectual property

8.1. Rights in the platform, design, code, brand and system materials belong to Oleks Tech OÜ or its licensors.

8.2. The Coach warrants rights to uploaded content and grants Dumka a limited non-exclusive licence to host, display, sell access to, technically process and support that content for platform operation.

8.3. A user receives personal, non-exclusive and non-transferable access to purchased content. Copying, resale, public distribution or bypassing technical restrictions is prohibited.

9. Privacy, cookies and communications

9.1. Personal-data processing is described in the Privacy Policy. Cookies and local storage are described in the Cookie Policy.

9.2. Transactional emails about account, security, payments, receipts, email changes or account deletion are necessary for the service. Marketing messages are sent only with separate consent if enabled.

10. Accessibility and service changes

10.1. Dumka aims to support digital-service accessibility in line with applicable EU requirements, including the European Accessibility Act where applicable to the platform.

10.2. Features, prices or content may change. Material changes affecting existing contracts or user rights are notified in advance where required by law.

11. Complaints, refunds and contact

11.1. Main channel for support, consumer claims, DSA notices and appeals: [email protected].

11.2. Initial consumer-complaint response is provided within 14 calendar days unless applicable law requires a shorter period. Data-subject requests are handled within the GDPR deadline.

11.3. Ukrainian consumers are also covered by the UA Consumer Addendum. EU consumers retain mandatory consumer protections of their country of residence even where these Terms refer to Estonian law.

12. Law, jurisdiction and versions

12.1. B2B relations with Coaches and other non-consumer relations are governed by Estonian law; disputes are heard by Harju County Court unless otherwise agreed.

12.2. Consumers retain mandatory consumer-protection rules of their country of residence and available court/out-of-court mechanisms.

12.3. Version of these Terms: 05.05.2026. Previous versions are available on request at [email protected].