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Terms and Conditions

Last updated: October 20, 2026

Please read these Terms and Conditions ("Terms") carefully. They are a legal agreement between you and InstaCrax. By creating an account, subscribing or buying through https://instacrax.com (the "Platform"), you agree to these Terms. If you do not agree, do not use the Platform.

1. Who we are

The Platform is operated by InstaCrax ("InstaCrax", "we", "us", "our"), based in Italy.

2. Key words used in these Terms

  1. Member: a person with an InstaCrax account and a paid subscription.
  2. Buyer: a person who buys a PDF course from a Member's Sales Page.
  3. Store: one of the 6 ready-made digital-product stores a Member can choose: Store Empire - Dropshipping, Commission King - Affiliate Marketing, Tube Machine - YouTube Automation, Digital Gold - Digital Products, Flip Society - Reselling, Web Mogul - Website Seller.
  4. PDF: the PDF course assigned to the Store a Member has chosen.
  5. Sales Page: the Member's public page at instacrax.com/username.
  6. Member Content: everything in the members' area, including the dashboard, the video library, the community chat and any guides or materials.
  7. Your Content: content you upload or write, such as your logo, profile image, username, display name, bio and community messages.
  8. Consumer: a person acting for purposes outside their trade, business, craft or profession, as defined by the Italian Consumer Code (Legislative Decree 206/2005, "Consumer Code").

3. What InstaCrax does

  1. InstaCrax is a technology platform. Members take a short quiz, choose one of the 6 Stores, set their own price, logo, username and bio, and get a public Sales Page that they share on social media.
  2. Buyers pay on the Sales Page and receive the PDF by instant download and by email. The download link is valid for 30 days.
  3. Members also get access to a dashboard, a video library (videos hosted on Google Drive and embedded in the Platform) and a community chat.
  4. InstaCrax is not the seller of the PDFs that Members sell to Buyers. The Member is the seller to their own Buyers. InstaCrax provides the technology (Sales Page, checkout through Stripe and delivery of the PDF).

4. Who can use InstaCrax (age rules)

  1. You must be at least 16 years old to create an account. People under 16 are not allowed to use the Platform as Members.
  2. If you are 16 or 17, you may only sign up with the consent of a parent or legal guardian. By signing up, you confirm that you have this consent. Your parent or guardian accepts these Terms on your behalf and is responsible for your use of the Platform, including payments.
  3. Stripe requires holders of Stripe Connect Express accounts to be at least 18. If you are under 18, you can only receive payouts through a Stripe account held by your parent or legal guardian, or after you turn 18.
  4. We may ask for proof of age or of parental consent. If we have reason to believe these rules are not met, we may suspend or close the account.

5. Your account

  1. You must give true and up-to-date information and keep your login details secret.
  2. Your account is personal. You may not share your account, sell it, or give anyone else access to it.
  3. You are responsible for everything that happens under your account. Tell us immediately at instacrax.app@gmail.com if you think someone has used your account without permission.
  4. Your username must not copy another person or brand, mislead people, or be offensive. We may ask you to change a username that breaks these rules.

6. Subscription, price and automatic renewal

  1. The InstaCrax membership costs 49 EUR per month. This is the final price. No VAT is charged, because InstaCrax is currently operated by a private individual without a VAT number.
  2. Payment is processed by Stripe. By subscribing, you authorise Stripe to charge your payment method every month.
  3. Your subscription renews automatically every month until you cancel it. Each renewal is charged on the same day of the month you first subscribed (or the closest possible day).
  4. If a payment fails, we or Stripe may try again. If payment is not received, we may suspend your access until the payment is made.
  5. We may change the price of the subscription. We will tell you by email at least 30 days before the new price applies. If you do not agree, you can cancel before the new price applies. If you do not cancel, the new price applies from your next renewal.

7. How to cancel

  1. You can cancel your subscription at any time from your dashboard [or through the Stripe customer portal linked in the dashboard], or by emailing instacrax.app@gmail.com.
  2. When you cancel, your subscription will not renew. Your access stays active until the last day of the period you have already paid for.
  3. We do not give partial refunds for the unused days of a paid period, except where the law requires it (see Section 9 and the Refund Policy).
  4. When your access ends, your Sales Page will stop accepting new orders [confirm whether the Sales Page is deactivated or hidden when the subscription ends].

8. Right of withdrawal (14 days) and how you waive it

  1. Under EU and Italian law, Consumers who buy online usually have 14 days to withdraw from a contract without giving a reason.
  2. The InstaCrax subscription and the PDFs are digital content supplied immediately and not on a physical medium. Under Article 59(1)(o) of the Italian Consumer Code, the right of withdrawal does not apply once the supply has started, if the Consumer has given prior express consent to start immediately and has acknowledged that they lose the right of withdrawal.
  3. For this reason, before you pay, you must tick a box to:
    1. request and expressly consent to immediate access to the digital content; and
    2. acknowledge that you lose your 14-day right of withdrawal once access starts.
  4. You cannot complete the payment without ticking this box. After payment, we send you a confirmation by email that includes your consent and acknowledgement.
  5. This does not affect your legal rights if the content is faulty or not delivered (see Section 18 and the Refund Policy).

9. Refunds

Our full rules on refunds are in the Refund Policy at https://instacrax.com/refund, which is part of these Terms.

10. Selling through InstaCrax

  1. You are the seller. When a Buyer buys a PDF from your Sales Page, the sales contract is between you and the Buyer. InstaCrax is the technology platform and is not a party to that sale.
  2. Your responsibilities as a seller. You are responsible for:
    1. your own taxes, including income tax and, where it applies, VAT, and any registrations you need;
    2. customer support for your Buyers;
    3. complying with consumer protection law, including giving true information and not making false or misleading claims (for example about earnings or results);
    4. the price you set, and making sure it is shown correctly.
  3. Your price. You set your own price for the PDF [add any minimum or maximum price, if there is one].
  4. Promotion. You may promote your Sales Page on social media using your direct link. You must follow the rules of each social network and the law on advertising, including clearly marking ads or sponsored content where required.
  5. Spam is forbidden. You may not promote your Sales Page through spam, unsolicited messages, fake reviews or misleading practices.
  6. Buyer data. You receive the Buyer's email and order details so you can support your Buyers and meet your legal obligations. You must use this data lawfully and only for those purposes, as an independent data controller under the GDPR.

11. Payouts with Stripe Connect

  1. To receive money from your sales, you must connect your own Stripe account through Stripe Connect Express. You must accept Stripe's terms, including the Stripe Connected Account Agreement, and complete Stripe's identity checks.
  2. Buyer payments are made through the Platform and sent to your connected Stripe account (destination charges). Payouts to your bank account are made by Stripe according to Stripe's schedule and rules. InstaCrax does not control Stripe's verification decisions, holds or payout timing.
  3. Platform fee. The InstaCrax platform fee is currently 0% of each sale. We may introduce or change a platform fee. We will tell you by email or on the Platform at least 30 days before the change applies. Stripe may charge its own processing fees under its own terms [confirm how Stripe fees are passed on to Members and show this in the dashboard].
  4. Under 18. See Section 4.3: payouts are only possible through a Stripe account held by a parent or legal guardian, or after you turn 18.

12. Chargebacks and disputes

  1. If a Buyer files a chargeback or payment dispute for a sale on your Sales Page, InstaCrax may recover the disputed amount and any related fees (for example Stripe dispute fees) from your Stripe balance or from your future payouts.
  2. We may ask you for information to respond to the dispute. You must answer quickly and honestly.
  3. If you have an unusual number of chargebacks or disputes, or if we suspect fraud, we may suspend your account or your Sales Page while we investigate, and may close it under Section 17.

13. Your licence to sell the PDF

  1. When you subscribe, InstaCrax gives you a non-exclusive, non-transferable, non-sublicensable, revocable licence to sell the PDF assigned to your chosen Store, only through your InstaCrax Sales Page, promoted with your direct link on social media.
  2. The licence lasts as long as your subscription is active and you follow these Terms.
  3. You may NOT:
    1. sell, upload or share the PDFs on Gumroad, Etsy, any other marketplace, website, shop, cloud folder, group or anywhere else outside your InstaCrax Sales Page;
    2. send the PDF files directly to buyers or anyone else;
    3. change the PDFs, remove our branding or present them as your own creation;
    4. sell PDFs belonging to a Store you have not chosen.
  4. Buyers receive a personal licence to use the PDF they bought for their own use. They may not resell or share it.

14. Rules for Member Content

  1. Member Content (including the videos, guides, dashboard materials and community) is for your personal use only while your subscription is active.
  2. You may not:
    1. download, record, copy, resell, share or publish the videos or any other Member Content;
    2. share your account or login details, or give anyone else access;
    3. use bots, scrapers or other automated tools to copy content from the Platform;
    4. try to bypass our security or access parts of the Platform you are not allowed to access.

15. Intellectual property

  1. All course content, including the PDFs, videos, texts, graphics, Store names, the InstaCrax name and logo and the Platform software, remains the property of InstaCrax (or its licensors). Nothing in these Terms transfers ownership to you. You only get the limited licences described in these Terms.
  2. Your Content stays yours. You give InstaCrax a non-exclusive, free, worldwide licence to host, store, display and reproduce Your Content only as needed to run the Platform (for example to show your logo and bio on your Sales Page). This licence ends when Your Content is deleted, except for copies we must keep by law or for backups for a limited time.
  3. You confirm that you have the rights to Your Content (for example, that you own or have permission to use your logo and images) and that it does not break anyone's rights or the law.

16. Community rules

The community chat must be a safe and useful place. In the community and in Your Content you must not:

  1. post spam, advertising or self-promotion;
  2. post external links;
  3. harass, bully, threaten or insult anyone;
  4. post hate speech or content that discriminates against people based on race, ethnicity, nationality, religion, gender, sexual orientation, disability or similar characteristics;
  5. post illegal content, including content that infringes copyright or other rights, or sexual, violent or dangerous content;
  6. share other people's personal data without permission;
  7. pretend to be someone else.

We may remove content and suspend or ban users who break these rules. Where reasonable, we will tell you why.

Reporting. If you see content on the Platform (in the community or on a Sales Page) that you believe is illegal or breaks these Terms, report it to instacrax.app@gmail.com with a link or description and why you think it is a problem. We will review reports carefully and act without undue delay. If we remove your content or restrict your account, you can reply to our decision by email to ask us to review it.

17. Suspension and termination

  1. We may suspend or close your account, and deactivate your Sales Page, if you:
    1. break these Terms;
    2. commit or attempt fraud;
    3. abuse chargebacks or disputes;
    4. sell or share the PDFs or Member Content outside the Platform;
    5. break the age rules;
    6. use the Platform in a way that is illegal or puts other users, Buyers or InstaCrax at risk.
  2. Where it is reasonable and allowed by law, we will tell you before we act and give you a chance to explain. In serious cases (such as fraud or illegal content) we may act immediately.
  3. If we close your account because you broke these Terms, you will not receive a refund for the current period, unless the law says otherwise.
  4. You can close your account at any time by cancelling your subscription and asking us to delete your account at instacrax.app@gmail.com.
  5. Sections that by their nature should continue after the account ends (for example intellectual property, chargebacks, limitation of liability and governing law) continue to apply.

18. Legal guarantee for digital content

  1. If you are a Consumer, you have the legal guarantee of conformity for digital content and digital services under the Italian Consumer Code (Articles 135-octies and following). This means the content we supply must match what we described and work as it should.
  2. If the content is faulty or not delivered, contact us at instacrax.app@gmail.com. We will first try to fix the problem or deliver the content. If we cannot do that within a reasonable time, you may be entitled to a price reduction or to end the contract and get a refund, as the law provides.
  3. Nothing in these Terms limits these rights.

19. No income promises (earnings disclaimer)

  1. InstaCrax does not promise or guarantee any income, sales or results. Any examples of earnings, results or strategies are for illustration only and are not typical or guaranteed.
  2. Your results depend on many things, including your own effort, skills, time, experience, the market and factors outside anyone's control. Many people earn little or nothing.
  3. Nothing on the Platform is financial, investment, legal or tax advice. Talk to a qualified professional before making financial, legal or tax decisions.
  4. You must not make income promises to your own Buyers that you cannot prove.

20. Availability of the Platform

  1. The Platform is provided "as is" and "as available". We work to keep it running well, but we cannot guarantee that it will always be available, uninterrupted or error-free.
  2. We may update, change or temporarily suspend parts of the Platform, for example for maintenance or security. If a change removes an important feature of your subscription, we will tell you in advance and you may cancel.
  3. Some features depend on third parties (such as Stripe, Supabase, Vercel, Resend and Google Drive). We are not responsible for their outages, but we will try to limit the impact on you.
  4. This section does not limit your rights under Section 18.

21. Limitation of liability

  1. We are not liable for:
    1. loss of profits, income, business or opportunities, including sales you expected to make;
    2. indirect or unforeseeable losses;
    3. disputes between Members and Buyers about a sale;
    4. problems caused by third-party services, social networks or your own devices and internet connection;
    5. losses caused by your breach of these Terms.
  2. Where the law allows, our total liability to you for any claim related to the Platform is limited to the amount you paid to InstaCrax in the 12 months before the event that caused the claim.
  3. Nothing in these Terms limits or excludes liability for intent (dolo) or gross negligence (colpa grave), for death or personal injury, or any other liability that cannot be limited under Italian or EU law (including Article 1229 of the Italian Civil Code), and nothing affects your mandatory rights as a Consumer.

22. Your responsibility towards us

If you break these Terms or the law as a seller (for example by not paying your taxes, misleading your Buyers or selling PDFs outside the Platform), and this causes InstaCrax to suffer losses, claims or fines, you must compensate InstaCrax for those losses, to the extent allowed by law.

23. Changes to these Terms

  1. We may change these Terms, for example because of new features, legal changes or changes to our business.
  2. We will tell you about important changes by email or with a notice on the Platform at least 30 days before they apply (or sooner if a change is required by law or needed for security).
  3. If you do not agree with the changes, you can cancel your subscription before they apply. If you keep using the Platform after the changes apply, you accept the new Terms.

24. Governing law and disputes

  1. These Terms are governed by Italian law and applicable EU law.
  2. If you are a Consumer living in another EU country, you also keep the protection of the mandatory rules of the law of your country.
  3. If you are a Consumer, disputes go to the court of the place where you live (Article 66-bis of the Italian Consumer Code). If you are not a Consumer, the courts of Salerno in Italy have exclusive jurisdiction.
  4. Before going to court, please contact us at instacrax.app@gmail.com. We will try to find a fair solution together. Consumers may also use out-of-court dispute resolution procedures available under Italian law.

25. Other terms

  1. These Terms, the Privacy Policy and the Refund Policy are the whole agreement between you and InstaCrax about the Platform.
  2. If any part of these Terms is found invalid, the rest stays in force.
  3. If we do not enforce a right immediately, we do not give it up.
  4. You may not transfer your rights under these Terms to anyone else. We may transfer our rights to another person or company that takes over InstaCrax, as long as your rights are not reduced.
  5. These Terms are written in English. [If an Italian version is published, state which version prevails, without reducing Consumer rights.]

26. Contact

InstaCrax
Address: Salerno, Italy
Email: instacrax.app@gmail.com