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Terms of Service

Last updated: October 11, 2026

Welcome to Cobra Arena. These Terms of Service ("Terms") govern your access to and use of the Cobra Arena website, platform, and services (the "Service"), operated by:

Clouds Ecom LTD (trading as Cobra Arena)
71-75, Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom
Company No. 16846181
Registered in England and Wales
Phone: +41 78 311 67 96

By creating an account, subscribing, or otherwise using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. The Service

Cobra Arena is a subscription-based online learning platform that provides educational content, structured courses ("arenas"), progress tracking, community features, and related tools. Access to course content is granted on a subscription basis and unlocks progressively as you complete lessons and assessments; a free account gives access to the first lesson of each arena.

2. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to create an account and subscribe to the Service. By using the Service, you confirm that you meet this requirement.

3. Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate information when creating your account and to keep it up to date. Notify us promptly if you suspect unauthorized use of your account.

4. Subscriptions, Billing & Cancellation

4.1 Subscription plans. The Service is offered on a recurring subscription basis (monthly or annual, as selected at checkout). Prices are displayed in US dollars at the time of purchase. A free account, with no payment details, gives access to the first lesson of each arena; everything else requires a subscription. We may change what the free account includes at any time.

4.2 Payment processing. All payments are processed securely by Stripe, Inc. We do not store your full payment card details. Charges are made by Clouds Ecom LTD, and that company name is what appears on your card or bank statement.

4.3 Automatic renewal. Subscriptions renew automatically at the end of each billing period (monthly or annual) unless cancelled before the renewal date. You authorize us to charge your payment method on file for each renewal.

4.4 Cancellation. You may cancel your subscription at any time through your account's billing portal. Cancellation takes effect at the end of your current billing period; you retain access until then. We do not provide prorated refunds for partial billing periods.

4.5 Refunds. Except where required by applicable law, payments are non-refundable once a billing period has begun. If you believe you were charged in error, contact us and we will review the matter in good faith.

4.5.1 Your 14-day cancellation right (UK and EU consumers). If you are a consumer in the United Kingdom or the European Union, you normally have 14 days to cancel a contract for digital content. Because membership gives you immediate access to the course content, we ask at checkout for your express request to start immediately and your acknowledgment that you lose this right once access begins. Nothing in these Terms limits any other right you have under the consumer law of your country.

4.6 Price changes. We may change subscription prices from time to time. Any change will apply to your next renewal and will be communicated to you in advance.

5. Acceptable Use

You agree not to:

  • Share your account credentials or resell access to the Service;
  • Copy, redistribute, or publicly share course content, videos, or downloadable resources outside the platform;
  • Use the Service for any unlawful purpose, or in a way that infringes the rights of others;
  • Attempt to circumvent the progressive unlock system, security measures, or access controls;
  • Upload or transmit malicious code, or interfere with the operation of the Service;
  • Post abusive, harassing, or unlawful content in community areas.

We reserve the right to suspend or terminate accounts that violate these Terms.

6. Intellectual Property

All course content, curriculum, videos, text, graphics, branding, and other materials made available through the Service are owned by Clouds Ecom LTD or its licensors and are protected by copyright and other intellectual property laws. Your subscription grants you a limited, non-transferable, non-exclusive license to access and use this content for your personal, non-commercial learning purposes only. No other rights are granted.

7. No Guarantee of Results — Educational Purpose Only

This is important, please read carefully. Cobra Arena provides educational content and training on business, technical, financial, and personal-development topics. The Service:

  • Does not guarantee any specific income, earnings, business outcome, financial result, or level of success;
  • Does not constitute financial, investment, legal, tax, or medical advice;
  • Should not be relied upon as a substitute for professional advice tailored to your individual circumstances.

Any results, examples, or testimonials referenced within the Service reflect individual circumstances and are not typical or guaranteed. Your outcomes depend on factors outside our control, including your own effort, market conditions, and external circumstances.

Content related to cryptocurrency, trading, or investing is provided for educational purposes only and does not constitute financial advice. Trading and investing carry a risk of financial loss, including the possible loss of your entire investment. Past performance is not indicative of future results. You should seek independent financial advice before making any investment decision.

Content related to fitness, nutrition, or physical training is provided for educational purposes only and does not constitute medical advice. Consult a qualified healthcare professional before beginning any exercise or nutrition program.

8. Third-Party Services

The Service relies on third-party providers, including but not limited to Stripe (payments), Supabase (data hosting), Vercel (website hosting), Mux (video) and Anthropic (AI grading of exercises), to operate. The full list is in our Privacy Policy. Your use of the Service is also subject to the applicable terms of these providers where relevant.

9. Disclaimer of Warranties

The Service is provided "as is" and "as available," without warranties of any kind, whether express or implied, to the fullest extent permitted by applicable law. We do not warrant that the Service will be uninterrupted, error-free, or available at all times.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Clouds Ecom LTD shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or business opportunity, arising from or related to your use of the Service. Our total liability for any claim arising from these Terms or the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law, including liability for death or personal injury caused by negligence, or fraud.

11. Termination

We may suspend or terminate your access to the Service, with or without notice, if you violate these Terms or if we reasonably believe your use of the Service poses a risk to us, other users, or third parties. You may terminate your account at any time by cancelling your subscription and, if desired, requesting account deletion (see our Privacy Policy).

12. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you (for example, by email or a notice within the Service) before the changes take effect. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of England and Wales, without regard to conflict-of-law principles. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where mandatory consumer-protection laws in your country of residence provide otherwise.

14. Contact

If you have questions about these Terms, please contact us at:

Clouds Ecom LTD (trading as Cobra Arena)
71-75, Shelton Street, Covent Garden, London, WC2H 9JQ, United Kingdom
Company No. 16846181
Phone: +41 78 311 67 96

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