Terms of Service

0. Definitions

The following terms have the meanings set out below wherever they appear in these Terms:

• - “Lucky Nomads”, “we”, “us”, or “our”: Lucky Nomads, a French sole trader (entreprise individuelle), as further identified in Section 2.
• - “Service” or “GeoCompass”: the GeoCompass location diagnostic - an online analytical service that produces a personalised Location Decision Report, as further described in Section 3.
• - “Report”: the personalised Location Decision Report delivered to you as a PDF document following completion of the Questionnaire.
• - “Questionnaire”: the online intake form made available to you after payment, through which you provide the profile data used to generate the Report.
• - “User” or “you”: any individual who accesses the Website, purchases, or uses the Service.
• - “Consumer”: a User who is a natural person acting for purposes outside their trade, business, craft, or profession, within the meaning of applicable EU and French consumer protection law.
• - “Terms”: these Terms of Service, including all sections and any documents incorporated by reference.
• - “Website”: the website accessible at luckynomads.io.

1. Introduction

These Terms of Service (“Terms”) govern access to and use of the Lucky Nomads platform and services, including the GeoCompass analytical engine and associated deliverables (“Service”).

By purchasing, accessing, or using the Service, you agree to be bound by these Terms in their entirety. If you do not agree, you must not purchase or use the Service.

You acknowledge and agree that your electronic acceptance of these Terms, including via checkbox confirmation during the checkout process, constitutes a legally binding agreement. Lucky Nomads may retain records of such acceptance, including timestamps and transaction data, for evidentiary purposes.

2. Identification of Lucky Nomads

3. Description of the Service

Lucky Nomads operates GeoCompass, a rule-based, deterministic multi-factor scoring engine designed to assist globally mobile individuals in evaluating jurisdictions for living, working, or establishing a strategic base.

The Service includes:

• - A structured personal diagnostic questionnaire covering your financial profile, operational constraints, geographic preferences, fiscal situation, and strategic priorities;
• - A deterministic algorithmic analysis of a regularly updated set of jurisdictions across multiple weighted scoring dimensions;
• - A filtering architecture applying hard constraints (deal-breakers) and weighted composite scores;
• - Generation and electronic delivery of a personalised Location Decision Report in PDF format.

GeoCompass is not an artificial intelligence system. It is a rule-based scoring engine operating through predefined formulas, curated jurisdiction data, and deterministic weighting logic.

The informational and non-advisory nature of the Service, together with all applicable user acknowledgements and disclaimers, is set out in full in Section 10.

3.1 Pricing

GeoCompass is priced at €290 as a one-time payment and includes twelve months of Personal Cockpit access. After the included period, optional annual Cockpit renewal is available at the rate published on luckynomads.io (currently €99/year). No Cockpit renewal is charged automatically. Prices may be updated at any time for new purchases and future renewals; confirmed orders are not retroactively affected.

3.2 Optional add-on services

In addition to the core diagnostic, Lucky Nomads may offer the following optional services at the time of purchase or after Report delivery. These services are entirely optional and are not included in the base diagnostic price.

Strategic Session: A 75-minute video call with the GeoCompass team, available after Report delivery, conducted in English or French. The session is designed to turn your Report into a concrete action plan - identifying the structurally dominant jurisdiction for your profile, stress-testing your decision, examining jurisdiction-specific risks, and defining a realistic execution roadmap. A minimum notice of 2 days is required to book. Booking details are sent by email following Report delivery; this email is an invitation only and creates no obligation.

The price of each optional service is indicated at the time of booking and may be modified at any time without prior notice. Lucky Nomads reserves the right to withdraw or suspend any optional service at any time without liability. Withdrawal of an optional service does not affect orders for the core diagnostic already confirmed.

Payments for optional one-to-one services (including the Strategic Session) are final once the applicable fee has been paid and a time slot has been reserved. No refund is available after payment and reservation, except where mandatory law requires otherwise.

4. Eligibility

You must be at least 18 years old to purchase or use the Service. By completing a purchase, you confirm that you are legally capable of entering into a binding contract, that the information you provide is accurate and truthful, and that you are purchasing the Service for lawful purposes.

Lucky Nomads reserves the right to cancel any order where the User does not meet these eligibility requirements. In such cases, a full refund will be issued to the original payment method.

5. Purchase and Payment

All purchases are processed through Stripe. Payment is processed exclusively in euros (EUR). If your payment instrument is denominated in a different currency, conversion is handled by your bank or card issuer - Lucky Nomads has no involvement in that process.

Payment confirmation triggers the automatic delivery of a unique questionnaire link to the email address provided at checkout. Prices may change at any time but will not affect orders already confirmed.

The following payment methods are currently accepted: credit and debit cards (Visa, Mastercard, American Express), Apple Pay, Bancontact, and Link. Available methods may vary by country and device.

Prices are stated in euros and are not subject to VAT. VAT not applicable pursuant to Article 293 B of the French General Tax Code (Code général des impôts).

In the event of a payment dispute or chargeback initiated after submission of the Questionnaire, Lucky Nomads reserves the right to submit evidence of Service delivery - including questionnaire submission records, delivery logs, timestamps, and email records - to the relevant financial institution in order to contest the dispute. Initiating a chargeback for a Service that has been delivered constitutes a breach of these Terms.

6. Right of Withdrawal

6.1 Statutory right - EU and French consumers

Under Directive 2011/83/EU and applicable national consumer protection laws, consumers resident in the European Union generally benefit from a 14-day right of withdrawal for distance contracts.

However, this right may not apply where a service begins immediately at the consumer's express request, as further described in Section 6.3 below.

6.2 Purchase finality

All purchases are final once payment is confirmed. Lucky Nomads does not offer a voluntary cancellation window before questionnaire submission. This is without prejudice to the statutory rights described in Section 6.1.

6.3 Waiver of right of withdrawal upon questionnaire submission

The Report is generated exclusively from your individual profile and constitutes a clearly personalised service that cannot be reused or reattributed. It falls within the exclusion from the right of withdrawal under Article L221-28 6° of the Code de la consommation (implementing Article 16(c) of Directive 2011/83/EU). By submitting the questionnaire, you expressly request the immediate commencement of the Service and acknowledge that you lose your statutory right of withdrawal once the Service has begun.

6.4 Non-EU consumers

For consumers outside the EU, the statutory right of withdrawal does not apply. All purchases are final, except where mandatory applicable law requires otherwise.

Personal Cockpit — access and renewal

If a refund is granted under these Terms, access to the delivered Report and the Personal Cockpit for that purchase is revoked automatically at the time of refund issuance, as set out in the Terms version that applied when you purchased.

Each purchase of GeoCompass at the price published on luckynomads.io includes twelve months of access to the Personal Cockpit, a dynamic dashboard connected to your case. During an active access period, you may update your profile and trigger new analytical runs. For fair use and operational stability, each profile may regenerate its Report at most fifteen (15) times per calendar day, counted in Coordinated Universal Time (UTC). Re-runs remain subject to the fair use limit described above.

No recurring charge is applied automatically after the included period. Before the end of that period, Lucky Nomads may email you an optional renewal offer. Renewal requires a separate affirmative payment. The annual renewal price for the Personal Cockpit is published on the site (currently €99/year, subscription only — there is no monthly plan). Prices may be updated at any time; the rate that applies to each renewal is the rate published at the time of that renewal.

If you do not renew, your Cockpit switches to read-only mode: your data and prior analytical outputs remain visible, but profile edits and new runs are disabled until you renew. Lucky Nomads does not delete your data solely for non-renewal.

Associated personal data may be deleted within thirty days in line with our Privacy Policy and operational requirements when a refund is granted under these Terms.

7. User accounts

7.1 Account ownership and personal use

The account you create on the Website is personal to you. You agree to use the account solely for your own benefit and in accordance with these Terms.

7.2 Non-transferability

Accounts are non-transferable. You may not sell, rent, lease, sublicense, assign, share, or otherwise transfer your account or grant access to any third party without prior written consent from Lucky Nomads.

Any attempt to transfer or commercially exploit an account, including but not limited to resale or shared usage intended to circumvent pricing, is strictly prohibited.

Nothing in this section limits your ability to forward the unique diagnostic questionnaire link to a third party as expressly permitted in Section 8.

7.3 Responsibility for account use

You remain fully responsible for all activities conducted through your account, regardless of whether such use was authorised.

You must ensure that your login credentials remain confidential and secure.

7.4 Account information

You may update your account information (such as name or contact details) at any time. You agree to provide accurate and up-to-date information.

The ability to modify account information does not grant any right to transfer or assign the account to another individual or entity.

7.5 Enforcement

Lucky Nomads reserves the right, at its sole discretion, to suspend or terminate any account that violates this Section 7, without notice and without refund, and to take any appropriate legal action if necessary.

7.6 Anti-circumvention

Any behaviour intended to bypass account usage restrictions or pricing structures, including account sharing or indirect access provision, may result in immediate suspension or termination.

7.7 Account termination

You may terminate your account at any time through your account settings.

Upon confirmation:

• - your access to the Service is terminated immediately
• - your account is scheduled for deletion
• - your personal data is permanently deleted after a maximum period of 30 days

After this period, the deletion is irreversible and your data cannot be recovered.

We may retain certain information where required to comply with legal obligations, resolve disputes, or enforce our agreements.

8. Questionnaire and User Input

You are solely responsible for ensuring your questionnaire responses are accurate, complete, and truthful. Lucky Nomads shall not be liable for any sub-optimal results arising from incomplete or incorrect information provided by you.

Questionnaire link not received: If you have not received the questionnaire link within 30 minutes of purchase, please check your spam or junk folder first. If the link is still missing, contact contact@luckynomads.io providing the email address used for the Stripe payment, your full name, and the time of purchase. Lucky Nomads will resend the link promptly.

Questionnaire validity window: The diagnostic questionnaire must be submitted within 180 days of purchase. After this period, the questionnaire link will no longer be accessible. This window exists because the GeoCompass engine evolves continuously. Lucky Nomads makes no refund in respect of questionnaire links that have expired due to non-use.

Questionnaire errors: If you identify a material error before submission, contact contact@luckynomads.io prior to submitting. If a material error is identified after submission, you may submit a redo request to contact@luckynomads.io. For these purposes, a material error means an objectively verifiable factual error in the information provided (for example, an incorrect income figure or a constraint misconfigured in a way that does not reflect the client's actual situation). Changes of mind, updated preferences, reconsideration of answers, or dissatisfaction with the Report results do not constitute material errors and do not give rise to any redo right. Any redo request remains subject to Lucky Nomads' sole discretion, is limited to one redo per original purchase, and, if granted, will be invoiced at 50% of the original diagnostic price. Payment of this fee is a condition precedent to the reprocessing of the questionnaire; access to the redo questionnaire will only be provided upon receipt of full payment. The processing of a redo does not extend, restart, or otherwise affect any applicable withdrawal period.

Gift and third-party use: The unique questionnaire link may be forwarded to a third party, who may complete the questionnaire on their own behalf and receive the Report at an email address of their choice. The purchaser remains fully bound by these Terms.

9. Delivery of the Service

The Report is delivered as a PDF to the email address provided within the questionnaire - which may differ from the checkout email. Delivery ordinarily completes immediately after questionnaire submission, typically within three minutes. In rare cases, delivery may take longer due to processing or system constraints. In exceptional circumstances, delivery may take up to 24 hours. Lucky Nomads aims to deliver within 24 hours, subject to force majeure (Section 21). If you have not received your Report within 24 hours, contact contact@luckynomads.io.

If Lucky Nomads fails to deliver the Report within 24 hours of questionnaire submission, the user may contact Lucky Nomads to request priority completion of the Service. Refunds are not automatic and remain strictly at Lucky Nomads' sole discretion. Minor delays, not exceeding 48 hours beyond the 24-hour delivery target, may occur due to operational constraints and shall not, in themselves, entitle the user to any refund or compensation.

In the event of non-receipt of the Report within the delivery timeframe, Lucky Nomads will resend it to the email address provided within the questionnaire. If that address is incorrect, resending to an alternative address may be carried out upon presentation of proof of purchase, at Lucky Nomads' sole discretion.

10. Informational Nature, Disclaimers, and User Acknowledgements

The Report is an informational and analytical product. It does not constitute:

• - Legal advice or legal services;
• - Tax advice, tax planning, or fiscal advice;
• - Immigration advice or immigration services;
• - Financial or investment advice;
• - Any other regulated professional service.

You remain solely and entirely responsible for all personal, legal, financial, and relocation decisions. Lucky Nomads strongly recommends that you seek independent professional advice before taking any action involving taxation, immigration, legal structuring, or financial planning.

You expressly agree not to rely solely on the Service for making legal, tax, financial, or relocation decisions.

You acknowledge that no client-advisor, fiduciary, or professional relationship is created between you and Lucky Nomads as a result of using the Service.

You acknowledge that you have not relied on any statement, representation, or information other than those expressly set out in these Terms.

The Service is provided on an “as is” and “as available” basis, without any warranties of any kind, whether express or implied, including but not limited to accuracy, completeness, fitness for a particular purpose, or non-infringement. Lucky Nomads does not guarantee uninterrupted or error-free operation of the Service.

You acknowledge and accept that any decision based on the Service involves inherent risks, and you assume full responsibility for such decisions and their consequences.

11. Data Accuracy and Temporal Limitations

Lucky Nomads does not guarantee the accuracy or completeness of all jurisdictional data at the time of delivery, the suitability of any jurisdiction for your situation, or that any ranking or recommendation will remain valid after delivery. The Report reflects a snapshot of available data at the time of generation.

Jurisdictional, tax, and regulatory environments may change rapidly and without notice. Lucky Nomads does not undertake any obligation to update the Report after delivery.

12. Limitation of Liability

In accordance with Directive (EU) 2019/770 on digital content and digital services, as transposed into French law, Lucky Nomads warrants that the Service conforms to the description provided and to the purpose for which it is intended. This statutory warranty applies without prejudice to any other limitation set out in these Terms.

This conformity obligation relates to delivery of the Service as described in Section 3, including a personalised Report generated from your questionnaire inputs using the stated methodology. It is distinct from the outcome of any relocation or strategic analysis and does not guarantee that any jurisdiction discussed in the Report will meet your expectations or remain suitable after delivery.

To the fullest extent permitted by law, Lucky Nomads excludes all liability arising from any use of or inability to use the Service.

To the maximum extent permitted by applicable law, Lucky Nomads shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from use of the Service, including but not limited to loss of profits, loss of opportunity, loss of data, or business interruption, and including relocation decisions, immigration applications, tax assessments, or financial losses, including any reliance placed on the informational outputs provided under Section 10.

Save for liabilities that cannot be limited under mandatory law as set out in the final paragraph of this section, the total aggregate liability of Lucky Nomads shall not exceed the amount paid by you for the specific Service giving rise to the claim.

Nothing in this section limits Lucky Nomads' liability for gross negligence, wilful misconduct, fraud, breach of an essential obligation, death or personal injury, or any other liability that cannot be excluded under applicable mandatory law, including under Directive (EU) 2019/770 as transposed into French law.

13. Intellectual Property

All elements of the Service and its methodology are the exclusive intellectual property of Lucky Nomads, including the analytical methodology, scoring framework, weighting models, jurisdiction dataset, algorithms, Report structure, and visual elements.

13.1 Analytical engine and underlying methodology

You may not, under any circumstances, attempt to reverse-engineer, decompile, extract, reconstruct, or replicate the analytical methodology, scoring framework, weighting models, algorithms, or jurisdiction dataset, in whole or in part, whether directly or through any automated or manual means. This prohibition applies regardless of the purpose and survives termination of the licence.

13.2 Personalised Report (PDF)

Upon payment, you receive a limited, non-exclusive, non-transferable licence to use your personalised Report for personal and non-commercial purposes only. This licence remains valid unless terminated upon breach of these Terms; any unauthorised use automatically terminates this licence.

Without prior written consent, you may not reproduce, distribute, publish, sell, sublicence, or modify the Report in whole or in part. Sharing extracts for personal, non-commercial reference is permitted provided the source is acknowledged and no commercial benefit is derived.

14. Acceptable Use

You agree not to provide false or fraudulent information; attempt to reverse-engineer, scrape, or extract any part of the methodology or Service infrastructure; interfere with the operation of the platform; or use the Service for any unlawful purpose. Lucky Nomads reserves the right to suspend access in cases of suspected abuse or breach of these Terms.

You agree to compensate Lucky Nomads for any loss directly and demonstrably caused by your fraudulent use of the Service, your provision of knowingly false information, or your use of the Service for an unlawful purpose. This obligation does not extend to losses arising from ordinary use of the Service or from disputes about the quality of the Report.

15. Atlas AI assistant

The public website may include Atlas, an AI-powered chat that provides general information about Lucky Nomads, GeoCompass, published content, and related topics. Atlas is optional. It does not replace professional advice.

No professional advice. Responses are generated automatically and are for convenience only. They do not constitute legal, tax, immigration, financial, investment, or other professional advice. Lucky Nomads does not warrant that any output is accurate, complete, or up to date. You remain solely responsible for your decisions.

No sensitive or unnecessary data. Do not submit special categories of personal data, payment card details, passwords, government identifiers, or other confidential information through Atlas. How we process chat-related data is described in the Privacy Policy.

Acceptable use. You must not use Atlas to generate unlawful, abusive, deceptive, or harmful content, to attempt to compromise our systems, or to obtain private customer data you are not authorised to access.

Suspension and changes. Lucky Nomads may modify, limit, or discontinue Atlas at any time. We may suspend or block use where we reasonably suspect abuse or risk to security.

Third-party AI. Atlas relies on third-party AI models and infrastructure. Their use is subject to the terms and limitations of those providers in addition to these Terms.

16. Third-Party Services

The Service relies on third-party providers including Stripe, form infrastructure providers, and cloud hosting services. Lucky Nomads is not responsible for the availability, performance, or policies of such services. Lucky Nomads does not guarantee the continued availability of any third-party service used in connection with the Service. Your use of Stripe is governed by Stripe's own terms and privacy policy.

17. Privacy and Data Protection

The collection and processing of your personal data are governed by the Privacy Policy. Lucky Nomads processes personal data on the legal bases described in the Privacy Policy, in particular the performance of a contract (Art. 6(1)(b) GDPR) and, where applicable, compliance with a legal obligation (Art. 6(1)(c) GDPR) or legitimate interests (Art. 6(1)(f) GDPR). No processing is carried out on the basis of consent within the meaning of Art. 6(1)(a) GDPR in connection with the purchase or delivery of the Service. All personal data requests should be addressed to contact@luckynomads.io.

18. Versioning of these Terms and Service Modifications

18.1 General principle of version lock-in

The version of these Terms applicable to your purchase is the version in force at the date of payment confirmation. Lucky Nomads maintains an archive of past versions accessible on request at contact@luckynomads.io.

For Personal Cockpit access granted with a purchase, the Terms applicable at the date of the corresponding payment continue to apply throughout the access period, subject to Sections 18.3 and 18.4. For each Cockpit renewal, the Terms in force at the date of renewal payment apply.

18.2 Minor modifications

Lucky Nomads may at any time and without prior notice make minor modifications to these Terms, including in particular spelling corrections, drafting clarifications, additions of optional functionalities, reductions of prices, removal of restrictions in favour of the User, and editorial updates that do not adversely affect the substantive rights of the User.

Such minor modifications apply immediately to all active Cockpits without giving rise to any right of refusal or compensation.

18.3 Substantial unfavourable modifications

A modification is considered substantial and unfavourable if it materially reduces the value or scope of the Service in any of the following ways:

• - (a) reduction of the daily re-run allowance below ten (10) runs per profile
• - (b) removal of edit-mode access before the Cockpit access period has expired
• - (c) removal of a material analytical feature that existed at the date of purchase, including in particular the scoring engine, filtering, multi-jurisdiction comparison, or access to the full set of Lucky Nomads scoring indices
• - (d) material strengthening of liability exclusions to the detriment of the User

Substantial unfavourable modifications do not apply to Cockpits already active at the date the modification takes effect. The Terms in force at the date of the corresponding purchase or renewal payment continue to apply until natural expiration of the Cockpit access period. Such modifications apply only to new purchases and to renewals made after the effective date of the modification.

18.4 Modifications required by mandatory law or regulation

Where a modification of these Terms is required to comply with applicable law, regulation, court order, or decision of a competent administrative authority, including in particular the General Data Protection Regulation, the Digital Services Act, tax law, or international sanctions regimes, such modification applies immediately to all Cockpits, including those already active, without giving rise to any right of refusal or compensation. Lucky Nomads will inform affected Users by email where practicable.

18.5 Service evolution

Lucky Nomads reserves the right to modify, improve, or discontinue any part of the Service, including the underlying methodology, scoring models, or jurisdiction coverage, at any time without prior notice, provided that such changes do not constitute a substantial unfavourable modification within the meaning of Section 18.3.

19. Severability

If any provision of these Terms is found to be invalid or unenforceable, it shall be modified to the minimum extent necessary or severed. The remaining provisions shall continue in full force and effect.

20. Entire Agreement

These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and Lucky Nomads with respect to the Service.

Electronic records, logs, and timestamps maintained by Lucky Nomads shall constitute prima facie evidence of transactions and interactions.

21. Force Majeure

Lucky Nomads shall not be liable for any delay or failure to perform resulting from events beyond its reasonable control, including, but not limited to, acts of God (such as natural disasters), war, terrorism, civil unrest, governmental actions, pandemics, cyberattacks, or failures or interruptions of third-party infrastructure, networks, or service providers, provided that such failures are themselves caused by events beyond Lucky Nomads' reasonable control. Hosting and platform outages are governed separately under Section 22.

Lucky Nomads will use commercially reasonable efforts to resume performance as soon as practicable.

22. Service Availability and Platform Outages

Lucky Nomads relies on third-party hosting and delivery infrastructure that may be subject to temporary disruptions outside its direct control. Such disruptions - including unplanned hosting outages or platform-level failures - represent ordinary operational risks and do not constitute force majeure events for the purposes of Section 21.

In the event of a hosting or platform disruption affecting the delivery of the Service:

• (a) Lucky Nomads will use commercially reasonable efforts to restore normal operations and fulfil any outstanding orders within 72 hours of identifying the disruption;
• (b) Affected users will be notified at the email address provided at checkout as soon as practicable.

The 24-hour delivery commitment set out in Section 9 shall be suspended for the duration of any such disruption. If Lucky Nomads is unable to fulfil the Service within a total of 7 days from questionnaire submission due to a platform or hosting disruption, the user may request a full refund.

23. Dispute Resolution and ADR

In the event of a dispute, Lucky Nomads encourages you to contact contact@luckynomads.io first. We will endeavour to resolve the matter amicably.

Note: the European Commission's Online Dispute Resolution (ODR) platform was discontinued on 20 July 2025. Consumers seeking an alternative dispute resolution entity may consult the updated list of certified bodies published by the European Commission at consumer-redress.ec.europa.eu.

French consumers may also have recourse to consumer mediator CM2C (14 rue Saint-Jean, 75017 Paris - cm2c@cm2c.net) free of charge. This right is reserved for consumers as defined under applicable law.

24. Governing Law

These Terms are governed by and construed in accordance with French law. Nothing in this clause affects the mandatory statutory rights of consumers in their country of residence.

25. Language of the Agreement

These Terms are drafted in English, which shall be the governing language of the agreement for all users outside France. By using the Service and accepting these Terms, you acknowledge that you have sufficient proficiency in English to understand their content and implications.

In compliance with French Law No. 94-665 of 4 August 1994 (Loi Toubon) and Article L111-1 of the Code de la consommation, an official French translation of these Terms is available at luckynomads.io/cgv. For consumers domiciled in France, the French version shall prevail in the event of any conflict or ambiguity between the two versions.

For all other users, you agree that no translation of these Terms is binding, and that any translation provided is for convenience only. If you do not fully understand these Terms, you should refrain from using the Service. You expressly waive any right to claim misunderstanding based on language.

26. Jurisdiction

Consumers resident in the European Union may bring proceedings before the courts of their country of domicile, in accordance with Regulation (EU) No. 1215/2012 and applicable national consumer protection law, including Article L141-5 of the French Consumer Code where applicable. Subject to Section 23, this right applies to disputes that cannot be resolved amicably.

For users who do not qualify as consumers under applicable law, or where they elect to do so, the competent courts of Strasbourg, France, shall have jurisdiction.

27. Contact

Lucky Nomads provides structured strategic decision frameworks. GeoCompass does not constitute legal, tax, or financial advice. All decisions remain the sole responsibility of the user.