Terms of use

1. About these terms

Solberg Invest is operated by Solberg Invest Media Group AS, organisation number 933 219 224, Markens gate 29, 4611 Kristiansand S, Norway. Contact oskar@solberginvest.com or use our contact page.

These terms cover our website and newsletter, the Terminal and our other offers in section 5, courses and one-to-one educational consulting. Your offer and order confirmation set out what you buy, its price and any specific conditions. Your mandatory consumer rights always apply. Our privacy policy explains how we use personal data.

2. Investment information

We share research, opinions, educational material and information about the analysts' own investments. This is general information, not personal investment advice. We don't manage your money, place trades or make a suitability assessment under MiFID II. Section 6 explains what our courses, calls and sessions include.

Investments can lose value; some leveraged products can lose more than the initial investment. Past results and forecasts do not guarantee future returns. Prices, calculations and research can be incomplete or become outdated. Check information before relying on it and seek qualified advice where needed.

Our disclosure policy and disclosures alongside individual pieces explain relevant interests and conflicts. An analyst's position describes their own decision, not an instruction to copy it.

3. Your account and tools

Accounts and purchases are for adults aged 18 or over. Keep account and billing details accurate, protect your login, and contact us if someone else gains access. Membership is for your own use.

Financial profiles, imports and calculators depend on the information and assumptions behind them. Automated answers can also make mistakes. Review holdings, calculations and sources before acting, and keep passwords, private keys and full card details out of messages and discussions.

You need an internet connection and an up-to-date, supported browser. Offer-specific technical requirements are explained before purchase. Paid digital services receive the updates required by the agreement and applicable law.

4. Plans, prices and renewal

Before a paid order, the offer shows what is included, the total price and taxes, currency, billing frequency, any agreed term, and any credit or discount. We confirm purchases and the applicable terms by email or another durable medium. Access rights expressly agreed in your offer continue to apply.

Subscriptions renew for the selected billing period until cancelled. Courses and consulting are separate purchases unless included in your offer. Section 5 sets out the price, renewal and refunds for each of our offers. The withdrawal period normally starts when the contract is made.

A payment problem can affect access. Contact us to resolve it. A failed payment isn't a cancellation request.

5. Buying an offer, refunds and the 14-day guarantee

This section covers the Private Investor Experience, the Solberg Terminal, the Solberg Investor System and the Solberg Investor Desk. You pay through Stripe. Prices are in US dollars, and the price shown is the total you pay, with no VAT added on top.

Private Investor Experience, $99

It's a one-time payment of $99 for a written plan and a 30-minute call.

When you finish, we refund the $99. Finishing means you complete your Financial Profile, click Ready for review and attend the strategy part of the call. Submit the profile at least 48 hours before your booked call so we have time to prepare. You don't need to trade, leave a review, refer anyone or buy anything.

If you miss the profile deadline or the call, we reschedule it. Your payment carries forward, and completing the Experience still earns the $99 refund. There is no seven-day booking or profile-submission condition.

On the call, you can choose to keep the $99 with us as credit toward a later purchase instead. The written plan is yours either way.

Solberg Terminal, $399

The first year costs $399 and includes one 30-minute strategy call. After that, it's $399 a year, or $39 a month if you switch to monthly payments.

Your membership renews automatically at the end of each paid period until you cancel, and Stripe emails you before it renews. There's no free trial. Section 7 explains how to cancel.

Solberg Investor System and Solberg Investor Desk

The Investor System costs $4,499 and the Investor Desk costs $1,499. Each includes the first year of the Terminal. If you already have a paid Terminal membership, it keeps its renewal date, and you don't pay for a second first year.

If you've already paid for the Experience or the Terminal, a $500 credit applies once, to one of the two packages. You then pay $3,999 for the System or $999 for the Desk. The credit doesn't apply if that earlier payment was refunded.

In the Investor System, Oskar Solberg, our founder, builds a portfolio around your situation, and you copy it into your own accounts. You make every investment decision and place every trade yourself. We don't manage your money or trade for you. The System includes six 60-minute sessions over 12 months, and priority email for 12 months from the day you buy it. The Investor Desk doesn't include the sessions or the priority email.

The 14-day money-back guarantee

Every purchase comes with a 14-day money-back guarantee, counted from the day you buy. Ask within those 14 days, by email or through Contact, and we refund what you paid. You don't need to give a reason.

The guarantee comes on top of your statutory right to withdraw in section 8. It covers the same 14 days, but it has no conditions, and we don't charge for anything you've already used. For the Experience, it's separate from the refund you get for finishing.

For a package, the refund is what you paid for the package. A Terminal membership you bought separately before the package stays as it was. If you came in through the Experience and your $99 was counted as credit, you get that $99 back too, unless it was already refunded. The rest of the $500 credit was never paid in cash, so it isn't refunded.

Refunds go back to your original payment method through Stripe, within 14 days of your request.

Continuing after the first year

There are three ways to continue after your first year:

• Keep renewing at $399 a year, or switch to $39 a month.

• Pay $299 for Year 2 early, then $299 a year while your membership stays continuous.

• Pay $1,999 once for Lifetime Terminal.

Each option has its own page explaining how it works. They go on sale shortly before the first renewals.

6. Courses, calls and sessions

Your booking or offer describes the subject, format, dates, included materials and any access or replay period.

This section covers courses, one-to-one educational consulting, the strategy call that comes with the Experience or the Terminal, and the Investor System's sessions. In each of them, we explain our own approach to investing and what we'd do with a profile like yours. In the Investor System, that includes Oskar proposing an allocation for your portfolio. You decide what to do with all of this, and you place every trade yourself, in your own accounts. We don't manage your money or place trades, and we don't make a suitability assessment under MiFID II. Questions requiring personal investment advice should go to an appropriately authorised adviser.

If your plans change, contact us. Cancellation, rescheduling and missed-session arrangements are those explained before booking, subject to your statutory rights. If we cannot deliver a booking as agreed, your booking terms and applicable consumer rights determine the available alternatives, refunds or other remedies.

Recording notices explain what is captured and who can see the replay. We ask permission before recording a private session or using identifiable contributions in public marketing. Please respect other participants' privacy and obtain permission before recording or sharing their contributions.

7. Cancelling a subscription

You can cancel your Terminal membership, or any other subscription, any time. Cancel through billing controls where available, Contact, or email, using the address associated with your membership. Other appropriate channels we use are also available. You do not need to give a reason.

When you cancel, your subscription ends at the close of the period you've paid for, whether that's a year or a month. You keep access until then, and you aren't charged again. Consumers can end an ongoing digital-service agreement on reasonable notice, subject to any lawful minimum term expressly agreed at purchase. Annual payment alone does not create a twelve-month lock-in. If a prepaid agreement ends early, any unused payment due back under the agreement or law is refunded.

For recurring digital services, consumers receive a reminder at least every six months that the subscription continues and how to cancel.

8. If you change your mind

Consumers buying at a distance normally have 14 days from entering the contract to withdraw without giving a reason. Tell us before the deadline by email, post or Contact. You can use the form below, but a clear message is enough. The period can be extended where required withdrawal information was not supplied.

If you want a service to start during those 14 days, we ask for an express request. If you later withdraw, we may charge a proportionate amount for the service already delivered, but only where we gave the required information and obtained that request. For a fully delivered service, withdrawal rights end only with the required prior consent and acknowledgement.

For digital content, such as a recorded course, withdrawal rights can end when delivery starts only after your express consent, acknowledgement that the right will be lost, and the required confirmation. Access alone does not waive your rights. These exceptions apply only where the legal conditions are met for that purchase.

When you withdraw, we refund the amount due without undue delay and within 14 days of your notice, using the original payment method unless agreed otherwise, without a refund fee. Access and remaining delivery under the withdrawn purchase end. We acknowledge electronic withdrawal notices by email or another durable medium.

Withdrawal form (optional)

Complete and send this only if you want to withdraw:

• To: Solberg Invest Media Group AS, Markens gate 29, 4611 Kristiansand S, Norway; oskar@solberginvest.com.

• I/we hereby give notice that I/we withdraw from my/our contract for the following service: …

• Ordered on: …

• Name of consumer(s): …

• Address of consumer(s): …

• Account email or order reference, if available: …

• Signature of consumer(s), only if sent on paper: …

• Date: …

Delete “I” or “we” as appropriate.

9. If something goes wrong

Contact us about missing access, incorrect charges or a service that does not match the agreement. Include enough information to identify the purchase, without full card details.

Depending on the issue, consumer law gives rights to delivery, correction, a price reduction, termination, repayment or compensation. These rights are separate from cancellation and withdrawal. Our responsibility is determined by the agreement and applicable law; mandatory consumer remedies remain unaffected.

10. Content and participation

You can use the material you have access to for personal learning. Our content belongs to us or its respective owners; republishing, selling or distributing paid material requires permission, except where copyright law allows otherwise.

You keep ownership of your contributions and allow us to store, display and process them to operate the features you use, including member discussion and moderation. Public testimonials or marketing use require separate permission.

Keep discussions lawful and respectful. Harassment, deceptive promotion, market manipulation, security interference and sharing other people's confidential information are not allowed. We may remove content or restrict access where reasonably necessary. You can contact us to ask for a decision to be reviewed; applicable refund and other legal rights still apply.

11. Service and price changes

Services may change to maintain security, meet legal requirements, remain compatible or improve functionality and accessibility. Changes to ongoing paid digital services follow the conditions in consumer law, including a valid reason and no additional cost for the service change.

If a change affects access or use more than slightly, we give advance notice on a durable medium. Unless you can keep the service unchanged and in conformity with the agreement, you can end it without charge within 30 days of notice or the change, whichever is later, with any refund due for the unused period.

Subscription price changes are notified reasonably in advance, with the new price, effective date and cancellation rights. They do not change a period already paid for or apply during an agreed binding period. If an increase exceeds the applicable consumer price index adjustment, you can cancel without charge from when it takes effect. An introductory price change expressly accepted at signup is treated as agreed in that offer.

Maintenance and technical faults can interrupt availability. The rights described above apply if we do not deliver the agreed service. External services have their own terms; our responsibility for delivering our own service remains governed by law.

12. Updates and questions

We may update these terms as law or services change. Material changes to an existing agreement require a valid basis, appropriate advance notice and any cancellation rights required by law.

Norwegian law applies, subject to any mandatory consumer protections in your country of habitual residence.

Where an agreed venue is legally permitted, disputes arising from these terms or our services are subject to the exclusive jurisdiction of Agder District Court (Agder tingrett), Norway. Any required conciliation proceedings and appeals follow the applicable procedural rules.

This venue clause does not restrict consumers’ mandatory rights to bring or defend a case in another court, or the right to contact a competent regulator or complaints body.

Please contact us about any disagreement. If we cannot resolve it, you can seek mediation through Forbrukertilsynet where applicable. The Consumer Council's complaint guide explains the available routes and cross-border assistance.