Last Updated: 05 February 2026 Welcome to Life On a Bike. Please read these Terms and Conditions carefully before using our platform.

1. DEFINITIONS

"Platform" means the Life On a Bike website, mobile applications, and all related services. "We," "Us," "Our" means Lifeonabike a.k.a “the platform”. "Customer," "You," "Your" means the individual who creates an account and/or books a Tour Package through the Platform. "Tour Operator" or "TO" means the independent travel company established in a European Economic Area (EEA) country that organizes and provides the Tour Package services. "Tour Package" means the cycling tour services (accommodation, bike rental, guides, meals, transfers, etc.) organized and provided by the Tour Operator. "Platform Service Fee" means the fee charged by Life On a Bike for providing the Platform services, technology, and customer support. "Booking" means the reservation of a Tour Package made through the Platform. "Deposit" means the initial payment (typically 30% of the total price) required to confirm a Booking. "Balance" means the remaining payment (typically 70% of the total price) due 30 days before the Tour Package departure date.

2. ACCEPTANCE OF TERMS

2.1 Binding Agreement

By accessing or using the Platform or making a Booking, you agree to be bound by these Terms and Conditions, our Privacy Policy, and our Cookie Policy.

2.2 Age and Capacity Requirements

You must be at least 18 years old and have legal capacity to enter into binding contracts. By using the Platform, you represent and warrant that you meet these requirements.

2.3 Minors Traveling

Minors (persons under 18 years) may participate in Tour Packages only when accompanied by a parent or legal guardian who has made the Booking and accepts full responsibility for the minor.

3. NATURE OF THE PLATFORM

3.1 Intermediary Role

IMPORTANT: Life On a Bike is an intermediary platform that connects Customers with independent Tour Operators. We do NOT organize, operate, or provide Tour Packages ourselves.

3.2 What We Provide

Technology platform for browsing and booking Tour Packages
Secure payment processing through Stripe
Customer communication and support services
Coordination between Customers and Tour Operators
Pre-travel information and assistance

3.3 What We Do NOT Provide

We do NOT:

Organize or operate cycling tours
Contract directly with hotels, restaurants, or service providers
Assemble Tour Packages
Act as a Tour Operator or Travel Agency under EU law No Assembly of Travel Packages Under no circumstances does Life On A Bike combine, assemble, or create travel packages, whether occasionally or regularly. Any combination of travel services into a package is performed solely and exclusively by the Tour Operator, who remains the only organizer and the only party responsible under Directive (EU) 2015/2302 and applicable Estonian law. Life On A Bike does not select, bundle, or structure travel services into packages and has no discretion over the composition of Tour Operator offerings.

3.4 Tour Operator Responsibility

Each Tour Package is organized and provided by an independent Tour Operator established in an EEA country. The Tour Operator:

Holds all required licenses and insurance in their country as mandated by national law transposing EU Directive 2015/2302 on Package Travel and Linked Travel Arrangements
Is responsible for all travel services as principal contractor
Issues the travel contract and travel documents
Handles all operational aspects of the Tour Package
Bears full responsibility for service quality and execution EU Package Travel Directive: All Tour Operators listed on our Platform are subject to EU Directive 2015/2302 (the "Package Travel Directive"), which provides comprehensive consumer protection for package holidays, including:
Insolvency protection (guarantee coverage in case of Tour Operator bankruptcy)
Right to information before and during the contract
Liability for proper performance of travel services
Assistance obligations in case of difficulty
Right to termination and refunds in specific circumstances Full text of the Directive: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32015L2302 You benefit from the rights granted by this Directive as transposed into the Tour Operator's national law.

No Insolvency Protection by Life On A Bike

Life On A Bike does not provide, arrange, or assume any insolvency protection, financial guarantee, or customer protection mechanism in relation to Tour Operator Services.

Any legally required insolvency protection is provided exclusively by the Tour Operator, in accordance with applicable national or EU legislation.

Life On A Bike shall not be considered a travel undertaking, organizer, or retailer for the purposes of insolvency protection under Estonian law.

4. TOUR OPERATOR INFORMATION

4.1 EEA Establishment

All Tour Operators listed on our Platform are established in countries within the European Economic Area (EEA): the 27 EU Member States plus Norway, Iceland, and Liechtenstein. This ensures compliance with EU Package Travel Directive 2015/2302 and provides you with statutory consumer protection.

4.2 Tour Operator Disclosure

The name, registered address, contact information, and license details of the Tour Operator responsible for your Tour Package will be disclosed to you:

In the booking confirmation email after Deposit payment
In the travel confirmation document after Balance payment
On request at any time via info@lifeonabike.com

4.3 Tour Operator Verification

We conduct due diligence on Tour Operators before listing their Tour Packages, including verification of:

Company registration and travel licenses
Insurance certificates (professional liability and insolvency protection)
Compliance with national Package Travel regulations
Customer reviews and ratings However, we do not continuously monitor Tour Operator compliance. Tour Operators are independent businesses and we are not responsible for their actions, omissions, or financial stability.

5. BOOKING PROCESS

5.1 Browsing Tour Packages

You may browse Tour Packages without creating an account. Tour Package information includes:

Itinerary and destinations
Included services (accommodation, meals, bike rental, etc.)
Difficulty level and physical requirements
Cancellation policy
Departure dates and pricing Note: Tour Package descriptions and images may be generated with the assistance of AI tools. While we strive for accuracy, photos are illustrative and may not exactly represent current conditions.

5.2 Booking a tour

To make a Booking, you must provide:

Full name
Valid email address
Contact phone number

5.3 Making a Booking

Step 1: Select your desired Tour Package, dates, and number of participants Step 2: Create a quote and review Step 3: Pay the Deposit (typically 30% of Total Price) via Stripe Step 4: Provide participant information:

Full names (as they appear on travel documents)
Date of birth
Contact information
Room preferences (single, double, twin)
Bike specifications (height, type) if rental is included
Special requirements (dietary, medical, accessibility needs) Payment is processed immediately via Stripe.

5.4 Booking Confirmation

Upon successful Deposit payment, we will verify availability with the Tour Operator If availability is confirmed: You receive a booking confirmation email from Life On a Bike containing:

Tour Package details and itinerary
Services included
Cancellation policy
Invoice and payment schedule Your Booking is confirmed only upon receiving this confirmation email. If availability is NOT confirmed: You will be offered:
An alternative Tour Package, or
Full refund of the Deposit to your original payment method (processed within 7 days)

5.5 Balance Payment

The Balance (remaining 70% of Total Price) will be automatically charged to your saved payment method 30 days before departure. Reminder emails will be sent:

40 days before departure
35 days before departure
32 days before departure
Confirmation email after successful Balance payment

5.6 Payment Failure

If the Balance payment fails (expired card, insufficient funds, etc.):

You will be notified immediately via email
You have a 3-day grace period to update your payment method and complete payment
After 3 days without successful payment, your Booking will be automatically cancelled with no Deposit refund It is your responsibility to ensure your payment method is valid and has sufficient funds.

6. PRICING AND FEES

6.1 Price Display

All prices are displayed in EUR (€) and include VAT where applicable. Prices shown consist of:

Tour Operator Services: The cost of travel services provided by the Tour Operator
Platform Service Fee: Our fee for Platform services and technology Total Price = Tour Operator Services + Platform Service Fee (VAT included) Payment Collection Role Life On A Bike collects payments from Customers strictly as a payment collection agent on behalf of the Tour Operator, limited to facilitating the transaction through the Platform. Payments constitute a direct debt discharge of the Customer towards the Tour Operator immediately upon receipt of funds by the Platform's payment processor. Amounts relating to Tour Operator Services are collected in the name and on behalf of the Tour Operator and do not constitute revenue of Life On A Bike, nor do they enter Life On A Bike’s assets. Life On A Bike does not assume any financial, operational, or insolvency risk in relation to Tour Operator Services, which remain at all times the sole responsibility of the Tour Operator.

6.2 Price Breakdown

The breakdown between Tour Operator Services and Platform Service Fee is shown on the final invoice 6.3 VAT Treatment

Platform Service Fee: Subject to Estonian VAT where applicable
Tour Operator Services: Subject to VAT rules in the Tour Operator's country (often margin scheme for package travel)

6.4 Price Accuracy

We strive to ensure pricing accuracy. However, if a Tour Package is listed at an incorrect price due to a typographical or system error:

We will notify you as soon as possible
You may proceed at the correct price or cancel with a full refund
We are not obligated to honor manifest errors

6.5 What's NOT Included

The Total Price includes only services specified in the Tour Package description. NOT included:

Flights or train tickets to/from the starting point
Travel insurance
Personal expenses
Optional activities not in the itinerary
Meals not specified as included
Tips and gratuities

6.6 Currency Conversion

Payments are processed in EUR. If your card is in another currency, your card issuer will convert the amount and may charge conversion fees. We are not responsible for exchange rates or conversion fees.

7. PAYMENT TERMS

7.1 Payment Methods

We accept payment via credit/debit card (Visa, Mastercard, American Express) processed securely through Stripe, a PCI-DSS Level 1 certified payment processor. We do not store complete credit card information on our servers.

7.2 Payment Schedule

Deposit: Charged immediately upon booking (typically 30% of Total Price)
Balance: Charged automatically 30 days before departure (typically 70% of Total Price)

7.3 Payment Authorization

By providing payment information, you authorize us to charge:

The Deposit immediately
The Balance 30 days before departure
Modification fees if you change your Booking (see Section 9)

7.4 Payment Receipts and Invoices

You will receive:

Payment receipts via email for each transaction: invoice for the Platform Service Fee issued by Lifeonabike Receipt or Invoice for the Tour Operator Services is issued by the Tour Operator (which may be technically generated by the Platform on their behalf).
Invoice after full payment showing price breakdown

7.5 Payment Disputes

If you dispute a charge with your bank/card issuer (chargeback):

You agree to cooperate with us and provide requested documentation
Fraudulent chargebacks may result in account suspension and legal action
Legitimate disputes will be resolved in good faith

8. RIGHT OF WITHDRAWAL (14-DAY COOLING-OFF PERIOD)

8.1 Statutory Right Under Estonian/EU Law

Under Estonian Consumer Protection Act (implementing EU Directive 2011/83/EU on consumer rights), you have a 14-day right of withdrawal for distance contracts. HOWEVER, this right does NOT apply to:

Travel services booked for a specific date or period (Article 16(l) of Directive 2011/83/EU)
Package holidays that include accommodation

8.2 Application to Tour Packages

Since all Tour Packages on our Platform include specific departure dates and accommodation, the 14-day withdrawal right does NOT apply. Once your Booking is confirmed, cancellations are subject to the cancellation policies outlined in Section 10.

8.3 Pre-Confirmation Cancellation

If you cancel your Booking before we confirm availability with the Tour Operator (typically within 24-48 hours of Deposit payment), you will receive a full refund (Deposit + Platform Service Fee).

9. PLATFORM SERVICE FEE REFUND POLICY

9.1 What the Platform Service Fee Covers

The Platform Service Fee covers:

Access to our technology platform
Secure payment processing via Stripe
Customer email and chat support
Pre-travel communications and assistance
Coordination with Tour Operators
Booking management tools

9.2 Refund Conditions

Full Refund of Platform Service Fee: The Platform Service Fee will be fully refunded if: a) Pre-Confirmation Cancellation: You cancel before we confirm availability with the Tour Operator b) Tour Operator Unavailable: The Tour Operator cannot accommodate your Booking (no availability, tour cancelled by them, etc.) c) Platform Error: We made a material error (incorrect pricing, wrong tour information, system failure) d) Force Majeure (Total Travel Ban): A force majeure event prevents ALL travel to the destination (government-imposed travel ban, war, natural disaster) Partial Refund (€100 per person retained): After Tour Operator confirmation and until 30 days before departure:

Cancellations result in a €100 per person non-refundable fee from the Platform Service Fee to cover administrative costs
The remaining Platform Service Fee is refunded No Refund of Platform Service Fee: From 30 days before departure onwards:
The Platform Service Fee is 100% non-refundable in case of Customer-initiated cancellation
Exception: Full refund if Tour Operator cancels or force majeure applies (see 9.2a-d above)

10. CANCELLATIONS, MODIFICATIONS, AND REFUNDS

10.1 Tour Package Cancellation Policy

IMPORTANT: Cancellation and refund policies for Tour Operator Services are set by the Tour Operator and vary by Tour Package. The applicable cancellation policy is disclosed:

On the Tour Package details page (before booking)
In your booking confirmation email
In the travel confirmation document You are responsible for reading and understanding the cancellation policy before booking. Actual policies vary by Tour Operator and Tour Package.

10.2 Customer-Initiated Cancellation

How to Cancel:

Email info@lifeonabike.com with your Booking reference number
Cancellation is effective upon our written confirmation Refund Calculation: a) Tour Operator Services:
Refund determined by the Tour Operator's cancellation policy (see Section 10.1)
Penalties increase as departure date approaches b) Platform Service Fee:
See Section 9.2 for refund conditions

10.3 Tour Operator-Initiated Cancellation

If the Tour Operator cancels your Tour Package for any reason (insufficient participants, operational issues, force majeure, etc.):

Full refund of all amounts paid (Deposit + Balance)
Full refund of Platform Service Fee (100%, no retention)
Refunds processed within 14 days to your original payment method We will assist you in finding an alternative Tour Package, but we are not liable for consequential damages (flights booked separately, time off work, etc.).

10.4 Platform-Initiated Cancellation

We may cancel your Booking if:

Tour Operator loses their travel license or insurance
Tour Operator goes bankrupt or ceases operations
We determine the Tour Operator is unreliable or unsafe
Your payment fails and is not corrected within the grace period In cases (a)-(c):
Full refund of all amounts paid
We will assist you in finding an alternative Tour Package In case (d) - Payment Failure:
Deposit is not refunded (see Section 5.6)

10.5 Booking Modifications

Customer-Requested Modifications: Changes to a confirmed Booking (change dates, change Tour Package, reduce participants, room changes) are subject to:

€30 per person modification fee (payable to Life On a Bike)
Availability with the Tour Operator
Tour Operator's modification fees (if any)
Price difference if new Tour Package costs more Modifications within 30 days of departure are treated as cancellations followed by new bookings (subject to full cancellation penalties). How to Request Modifications:
Email info@lifeonabike.com with details
We will check availability and confirm costs
Modification is effective upon payment of fees and your written acceptance Tour Operator-Requested Modifications (Before Departure): If the Tour Operator needs to modify your Tour Package before departure: a) Minor Modifications (e.g., equivalent hotel substitution, slight itinerary adjustment, no price change):
We will notify you via email
No acceptance required; modification is implemented b) Significant Modifications (e.g., change tour dates, remove major services, price increase >8%, downgrade accommodation category):
We will notify you immediately
You have 2 business days to:
- Accept the modification, OR
- Reject and receive full refund (Tour Operator Services + Platform Service Fee)
If you do not respond within 2 business days, the modification is deemed accepted

10.6 Modifications During the Tour

Changes to the itinerary or services during the Tour Package (due to weather, road closures, etc.) are handled directly by the Tour Operator. Life On a Bike is not responsible for such modifications. Direct all complaints to the Tour Operator, whose contact information is in your travel documents.

10.7 Force Majeure

Definition: Force majeure means extraordinary and unforeseeable circumstances beyond the control of Life On a Bike or the Tour Operator, including:

War, terrorism, or threat thereof
Natural disasters (earthquakes, floods, hurricanes, pandemics officially declared by WHO or national authorities)
Government-imposed travel bans or border closures
Strikes or labor disputes affecting essential services (airlines, trains, etc.) Force majeure events must be officially declared by competent public authorities (governments, WHO, EU institutions, etc.). Effect on Bookings: Before Departure: If force majeure prevents the Tour Package from taking place:
Tour Operator will attempt to offer alternative dates or tours
If no acceptable alternative: Full refund (Tour Operator Services + Platform Service Fee) During the Tour: If force majeure occurs during the Tour Package:
Tour Operator will make best efforts to complete the itinerary or provide alternatives
Refund (if any) limited to the value of services not provided
Platform Service Fee is not refunded Exclusions: Force majeure does NOT include:
Personal circumstances (illness, family emergencies, work commitments)
Fear of travel not based on official travel bans
Minor weather disruptions that do not prevent tour operation
Changes in personal financial situation

11. CUSTOMER RESPONSIBILITIES

11.1 Accurate Information

You must provide accurate and complete information, including:

Correct names (matching passports/IDs)
Valid email and phone number
Emergency contact information
Special requirements (allergies, medical conditions, dietary restrictions, mobility limitations) Consequences of Inaccurate Information:
Tour Operator may refuse service
No refund if inaccurate information causes booking failure
You are liable for any additional costs incurred You are obliged to:
Promptly inform Life On Bike of any change of personal information, communicated during the Purchase, that occurs during the validity of the contractual relationship.
Before departure, check that the general information on health obligations and the documentation required for possible expatriation is up-to-date. You will find the corresponding information through your diplomatic representations present in your country and/or the respective official government information channels. In any case, in case of failure to check, no responsibility for the non-departure of one or more Clients can be attributed to Life On A Bike and/or the Tour Operator
Assess the socio-political, health and/or other security situation of the destination countries and, therefore, the objective usability of the services purchased or to be purchased;

11.2 Health and Fitness Requirements

Physical Fitness: Cycling tours involve physical exertion. You must:

Be in adequate physical and mental health to complete the tour
Have the fitness level appropriate for the tour difficulty rating (Leisurely, Moderate, Challenging, Strenuous)
Train appropriately before departure Mandatory Disclosure: You must disclose at the time of booking:
Serious health conditions (heart disease, diabetes, epilepsy, etc.)
Physical or mental disorders
Any condition requiring special care or medication Failure to disclose may result in:
Exclusion from the tour at the Tour Operator's discretion (no refund)
Inability to obtain travel insurance coverage
Safety risks to yourself and other participants
Liability for emergency costs incurred The Tour Operator reserves the right to refuse participation if disclosed conditions are incompatible with tour safety requirements.

11.3 Travel Documents

You are responsible for obtaining and carrying:

Valid passport or national ID card (EU/EEA citizens)
Visas (if required for your nationality)
Travel insurance documentation
Health certificates or vaccinations (if required by destination countries)
Any permits required for cycling in specific areas We will provide guidance on typical requirements, but you are ultimately responsible for compliance. Check with your national authorities and destination country embassies.

11.4 Travel Insurance

Strongly Recommended: We strongly recommend purchasing comprehensive travel insurance covering:

Trip cancellation/interruption (to recover costs if you must cancel)
Emergency medical expenses and evacuation
Personal liability
Bicycle damage/theft (if using rental bike)
Lost or delayed baggage
Personal accident Platform Service Fee Coverage: Note that Tour Operator insurance (which they are required to have under EU law) covers Tour Operator Services but does NOT cover the Platform Service Fee. Comprehensive travel insurance can cover your total costs including Platform Service Fee, deposit penalties, and non-refundable expenses.

11.5 Compliance with Laws and Tour Operator Rules

During the Tour Package, you must:

Comply with local laws and customs
Follow the Tour Operator's instructions and safety rules
Respect other tour participants and local communities
Not engage in illegal, dangerous, or disruptive behavior
Not be under the influence of alcohol or drugs while cycling Consequences of Non-Compliance: The Tour Operator may remove you from the tour without refund if you:
Violate local laws
Endanger yourself or others
Engage in abusive or disruptive behavior
Refuse to follow safety instructions

12. BICYCLES AND EQUIPMENT

12.1 Bicycle Rental

Most Tour Packages include bicycle rental (standard hybrid or touring bike). The bicycle is provided by the Tour Operator or their local partner. E-bikes (electric bicycles) are available for an additional fee on most tours (specify in booking).

12.2 Bicycle Assignment

Bicycle size is assigned based on the height information you provide. Bikes are typically not available for test rides before tour start.

12.3 Duty of Care

You must:

Use the bicycle with due care and caution
Perform basic daily maintenance (tire pressure, chain lubrication) as instructed
Lock the bicycle when unattended (lock provided)
Report any mechanical issues immediately to the guide
Return the bicycle in the same condition (normal wear and tear excepted)

12.4 Bicycle Theft or Damage

Your Liability: If the bicycle is stolen (whether or not locked) or irreparably damaged due to your negligence or fault, you are liable for replacement cost: Exact amount will be determined by the Tour Operator or local supplier. Accessories: You are also liable for theft or loss of accessories (locks, child seats, panniers, helmets, GPS devices, etc.). Bicycle Insurance (Optional): Some tours offer bicycle theft/damage insurance. This covers your liability in case of theft or damage. Check Tour Package details or ask when booking. Mechanical Breakdowns: Mechanical breakdowns due to normal use are covered by the Tour Operator (no liability). Damage caused by negligence, misuse, or accidents is your responsibility.

12.5 Helmet Use

Safety Recommendation: We strongly recommend wearing a helmet at all times while cycling, regardless of local laws. Helmet Laws: Helmet laws vary by country and may change. We cannot guarantee current information on local helmet regulations. Check destination country laws before departure. Bring Your Own Helmet: For hygiene and proper fit, we recommend bringing your own helmet. Helmets may be available for rent, but size and availability are not guaranteed.

13. MEALS AND DIETARY REQUIREMENTS

13.1 Included Meals

Meals included in the Tour Package (as specified in the itinerary) are typically fixed menus or set choices at designated restaurants/hotels.

13.2 Special Dietary Requirements

Special dietary needs (vegetarian, vegan, gluten-free, allergies, religious requirements) should be indicated in the booking form. Availability: The Tour Operator will make reasonable efforts to accommodate special diets, but cannot guarantee full accommodation, especially in:

Remote rural areas with limited restaurant options
Countries with less dietary diversity
Complex or multiple restrictions Last-Minute Requests: Dietary requests added after booking confirmation are subject to:
€30 per person modification fee
Availability (may not be possible close to departure)

13.3 No Refunds for Uneaten Meals

No refunds are provided for meals not consumed due to:

Personal choice or preference
Dietary restrictions that cannot be accommodated
Schedule changes (flight delays, optional excursions)
Illness or other personal circumstances

13.4 Meals NOT Included

Unless specified in the itinerary, the following meals are typically NOT included and are at your own expense:

Lunches (on most tours)
Beverages (wine, beer, soft drinks) with meals
Snacks during cycling Check your Tour Package details for specific inclusions.

14. EXCURSIONS, GUIDED VISITS, AND MUSEUMS

14.1 Itinerary Subject to Change

Excursions, guided visits, and museum entries in the itinerary may be cancelled, rescheduled, or substituted due to:

Religious services in progress
Unexpected closures or changes in opening hours
High tourist traffic or capacity restrictions
Weather conditions
Force majeure events Where possible, the Tour Operator will provide alternative visits of equivalent value.

14.2 Entrance Fees

Entrance fees for museums, monuments, and attractions are included if specified in the Tour Package. Fees are indicative and subject to change by local authorities without notice.

14.3 Guided Visits

Visits indicated as "guided" include a local guide provided by the Tour Operator. Guide language is as specified (typically English, but other languages may be available).

15. ACCOMMODATION

15.1 Hotel Classification

Hotel star ratings are based on:

Official classifications by competent authorities in the country where the hotel is located (where such systems exist)
Our own assessment in countries without official classification (based on facilities, service level, location) Star ratings are indicative and may vary from expectations based on different national standards.

15.2 Room Types

Double room: One bed for two people (typically a double or queen bed)
Twin room: Two separate beds for two people
Single room: One bed for one person (subject to availability and single supplement fee) If you have a preference between double and twin, specify this in your booking.

15.3 Room Assignments in Group Tours

Individual Travelers: If you are booking alone and request a shared room, the Tour Operator will attempt to pair you with another traveler of the same gender. If pairing is not possible (odd number of travelers, no match available):

You may be required to pay a pairing fee (typically 50-100% of single supplement) OR a flat fee as specified in the Tour Package details
Alternatively, you may upgrade to a single room (if available) The Tour Operator cannot guarantee pairing and is not liable if pairing is not possible.

15.4 Room Condition

Hotels are selected based on quality, location, and value. However:

Room views are not guaranteed unless explicitly stated
Room size and furnishings may vary
Minor differences from photos/descriptions do not constitute grounds for refund
Significant deficiencies should be reported to Tour Operator immediately for resolution

16. COMMUNICATIONS

Scope of Customer Support Any customer support provided by Life On A Bike is strictly limited to Platform-related assistance and administrative facilitation. Life On A Bike has no authority to make decisions regarding travel services, itineraries, pricing, cancellations, modifications, or performance of the Tour Operator Services, which remain under the sole control and responsibility of the Tour Operator.

16.1 Pre-Balance Payment Communications

From booking confirmation until Balance payment (30 days before departure), all communications are handled by Life On a Bike:

Booking confirmations and updates
Payment reminders
Pre-travel tips and information
Answers to your questions Email: info@lifeonabike.com

16.2 Tour Operator Direct Communication

The Tour Operator will NOT contact you before Balance payment, except in urgent operational necessity:

Tour cancellation by Tour Operator
Significant modifications requiring your decision
Emergency situations After Balance payment, the Tour Operator may contact you directly regarding:
Final logistics and meeting point details
Last-minute itinerary updates
Emergency contact information

16.3 During the Tour

During the Tour Package, the Tour Operator's guide and emergency contact are your primary points of contact for all operational matters. For billing or Platform issues, contact us at info@lifeonabike.com.

16.4 Breach of Communication Protocol

If the Tour Operator contacts you improperly before Balance payment, please notify us immediately at info@lifeonabike.com.

17. INTELLECTUAL PROPERTY AND CONTENT

17.1 Platform Ownership

All content on the Platform (text, graphics, logos, images, videos, software, design) is owned by Lifeonabike or licensed to us and protected by Estonian and international copyright laws. "Life On a Bike"™ is a trademark.

17.2 Limited License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use the Platform for personal, non-commercial purposes only. You may NOT:

Copy, reproduce, or distribute Platform content for commercial purposes
Modify, reverse engineer, or create derivative works
Remove copyright, trademark, or proprietary notices
Frame or embed our content on other websites without written permission
Use automated tools (bots, scrapers) to access the Platform

17.3 User-Generated Content (Reviews and Ratings)

Your Reviews: After completing a Tour Package, you may submit a review and rating. By submitting a review, you grant us a worldwide, perpetual, royalty-free, non-exclusive license to:

Display your review on the Platform
Use your review in marketing materials (website, social media, brochures)
Edit your review for length, clarity, or grammar (without changing meaning) Review Guidelines: Reviews must:
Be based on your genuine personal experience
Be respectful and constructive
Not contain offensive, discriminatory, or abusive language
Not include personal attacks on individuals (guides, other travelers)
Not include false or misleading information
Not include promotional content, spam, or links to external sites Moderation: We reserve the right to:
Review and approve reviews before publication (typically within 48 hours)
Edit reviews for clarity, length, or to remove inappropriate content
Reject or remove fake, abusive, or fraudulent reviews
Remove reviews that violate these Terms or applicable laws We have no obligation to publish any review and may reject reviews at our sole discretion without explanation.

17.4 Tour Package Content Accuracy

Tour Package descriptions, photos, videos, and itineraries are provided by Tour Operators or created by us (sometimes with AI assistance). While we strive for accuracy:

Photos are illustrative and may not reflect exact current conditions
Itineraries are subject to change by the Tour Operator
Minor discrepancies do not constitute grounds for refund unless they materially affect the Tour Package value

18. PRIVACY AND DATA PROTECTION

18.1 Privacy Policy

Our collection, use, and protection of your personal data is governed by our Privacy Policy (available at [LINK]), which is incorporated into these Terms by reference. We comply with:

EU General Data Protection Regulation (GDPR) 2016/679
Estonian Personal Data Protection Act By using the Platform, you consent to our Privacy Policy.

18.2 Data Controller

Lifeonabike is the data controller for personal data you provide to us via the Platform.

18.3 Data Sharing with Tour Operators

When you make a Booking, we share your personal information with the Tour Operator responsible for your Tour Package:

Name, contact details, date of birth
Special requirements (dietary, medical, accessibility)
Travel participant information The Tour Operator becomes an independent data controller for data necessary to provide the Tour Package. The Tour Operator's processing of your data is governed by their own privacy policy and applicable national law.

18.4 Data Retention

We retain your personal data:

Booking data: 7 years (Estonian accounting and tax law requirements)
Marketing data: Until you opt out or withdraw consent

18.5 Your Rights

Under GDPR, you have the right to:

Access your personal data
Rectify inaccurate data
Erase data (right to be forgotten, subject to legal retention requirements)
Restrict or object to processing
Data portability
Withdraw consent
Lodge a complaint with the Estonian Data Protection Inspectorate (www.aki.ee) To exercise your rights, contact info@lifeonabike.com.

18.6 Marketing Communications

With your consent, we may send you:

New Tour Package announcements
Special offers and promotions
Travel tips and inspiration
Customer satisfaction surveys You may opt out at any time by:
Clicking "unsubscribe" in any email
Contacting info@lifeonabike.com
Updating your account preferences

19. LIMITATIONS OF LIABILITY

19.1 Platform Services Liability

Our Liability Limited to Platform Services: Life On a Bike is liable only for defects in:

The technology Platform itself
Information we provide directly (not Tour Operator content)
Our customer service
Payment processing errors caused by us (not Stripe) Maximum Liability Cap: Our total aggregate liability to you for any claim arising from Platform services is limited to the Platform Service Fee you paid for the relevant Booking.

19.2 Tour Operator Services - No Liability

We Are NOT Liable for Tour Operator Services: Life On a Bike is NOT responsible or liable for: a) Quality or Execution of Tour Operator services:

Accommodation quality, cleanliness, or safety
Food quality, food poisoning, or allergic reactions
Bicycle equipment failures or inadequacy
Guide competence, behavior, or language proficiency
Transportation delays, cancellations, or accidents
Itinerary changes or omissions b) Acts or Omissions of Tour Operators and their partners:
Hotels, restaurants, bike rental shops
Local guides, drivers, or service providers
Negligence or misconduct c) Personal Injury or Loss:
Injuries or accidents during the tour (cycling accidents, falls, etc.)
Illness or medical emergencies
Loss, theft, or damage to personal belongings
Emotional distress or loss of enjoyment d) Tour Operator Insolvency or Breach:
Tour Operator bankruptcy or cessation of operations (though Tour Operators must have insolvency insurance under EU law)
Tour Operator breach of contract
Non-performance of travel services Your Recourse: All claims, complaints, or legal actions regarding Tour Operator services must be directed to the Tour Operator, not to Life On a Bike. The Tour Operator is liable under EU Package Travel Directive 2015/2302 and their national law.

19.3 Third-Party Services

We are not liable for:

Stripe payment processing (subject to Stripe's terms and conditions)
Internet or mobile service outages not caused by us
Third-party websites linked from our Platform
Actions of other Platform users

19.4 Exclusions and Limitations

To the Maximum Extent Permitted by Estonian and EU Law, We Exclude Liability For: a) Indirect or Consequential Damages:

Lost profits or business opportunities
Loss of data
Loss of enjoyment, vacation time, or emotional distress
Costs of alternative arrangements (flights, hotels)
Reputational damage b) Events Beyond Our Control:
Force majeure events
Strikes, labor disputes, or civil unrest
Internet or telecommunications failures
Government actions or regulatory changes
Third-party failures (Stripe, email providers, hosting) c) Your Own Actions:
Violations of these Terms
Providing false or incomplete information
Failure to meet health/fitness requirements
Failure to obtain proper travel documents or insurance
Negligence or misconduct

19.5 Mandatory Liability Under Estonian/EU Law

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under Estonian or EU law, including:

Death or personal injury caused by our negligence (not Tour Operator's)
Fraud or fraudulent misrepresentation by us
Breach of mandatory consumer protection laws by us
Gross negligence or willful misconduct by us Important: This Section 19.5 applies only to Life On a Bike's own actions. For Tour Operator negligence or misconduct, pursue claims directly against the Tour Operator.

19.6 Allocation of Risk

By using the Platform, you acknowledge and agree:

Life On a Bike is a technology intermediary, not a Tour Operator/Travel Agency
Tour Operators are independent businesses responsible for travel services
Tour Operators are subject to EU Package Travel Directive and have mandatory insurance
You assume risks inherent in cycling tours (physical activity, weather, accidents)
Comprehensive travel insurance is essential to protect yourself

20. INDEMNIFICATION

20.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless Lifeonabike, its officers, directors, employees, contractors, and agents from any claims, damages, losses, liabilities, or expenses (including reasonable legal fees) arising from: a) Your violation of these Terms b) Your violation of any law, regulation, or third-party rights c) Your use or misuse of the Platform d) Information you provide (false information, defamatory reviews) e) Your conduct during a Tour Package that causes harm to others or property damage f) Your negligence or willful misconduct Example: If you damage a hotel room during a tour and the hotel sues us, you agree to indemnify us for those costs.

20.2 Tour Operator Indemnification (For Your Information)

Tour Operators contractually agree to indemnify Life On a Bike for claims arising from their provision of Tour Operator services. However, you acknowledge:

We cannot guarantee Tour Operator solvency
Tour Operator indemnification does not affect your rights to pursue claims directly against the Tour Operator

21. DISPUTE RESOLUTION

Legal Qualification of Life On A Bike For the avoidance of doubt, Life On A Bike operates exclusively as an online platform and technology intermediary. Life On A Bike is not a tour operator, travel agency, organizer, retailer, or travel undertaking within the meaning of Estonian law or Directive (EU) 2015/2302, and shall not be subject to licensing or insolvency guarantee requirements applicable to such entities.

21.1 Governing Law

These Terms are governed by the laws of the Republic of Estonia, without regard to conflict of law principles. Consumer Protection: If you are a consumer (individual acting for purposes outside your trade, business, or profession), your statutory rights under EU consumer protection laws are not affected, including:

EU Directive 93/13/EEC on unfair terms in consumer contracts
EU Regulation 524/2013 on online dispute resolution (ODR)
National consumer protection laws in your country of residence The legal relationship between you and Life On a Bike regarding the use of the Platform is governed by the Estonian Law of Obligations Act regulating mandate and service contracts, and expressly excludes the application of the Package Travel Directive to Life On a Bike.

21.2 Disputes Regarding Platform Services

For disputes with Life On a Bike regarding Platform services: Step 1 - Informal Resolution (Required First Step): Contact us at info@lifeonabike.com with a detailed description of your complaint. We will attempt to resolve the dispute informally within 30 days. Step 2 - Mediation (For Claims Under €5,000): If informal resolution fails and the claim is under €5,000, both parties agree to attempt mediation before pursuing litigation or arbitration. Mediation options:

Estonian Consumer Disputes Committee (Tarbijavaidluste Komisjon) - free for Estonian consumers (www.komisjon.ee)
European Consumer Centre Estonia - for cross-border EU disputes (www.consumer.ee)
Mutually agreed private mediator Step 3 - Arbitration or Courts (For Claims Over €5,000 or Failed Mediation): If mediation fails or the claim exceeds €5,000: a) Arbitration: Either party may initiate binding arbitration under Estonian Chamber of Commerce and Industry Arbitration Rules
Seat of arbitration: Tallinn, Estonia
Language: English or Estonian
Number of arbitrators: 1 (for claims under €50,000) or 3 (for claims over €50,000) b) Courts: Either party may bring proceedings in:
Harju County Court, Tallinn, Estonia (court of first instance)
OR, if you are an EU consumer, courts of your country of residence (under EU Regulation 1215/2012)

21.3 Disputes Regarding Tour Operator Services

For disputes regarding Tour Operator services (quality, safety, execution of the tour, Tour Operator breach of contract): Direct Claims to Tour Operator: All claims must be directed to the Tour Operator, not to Life On a Bike. Governing law and jurisdiction are determined by:

The Tour Operator's country of establishment and national law
EU Package Travel Directive 2015/2302 as transposed in Tour Operator's country
Tour Operator's terms and conditions (provided to you)
EU Regulation 1215/2012 (Brussels I Recast) on jurisdiction (for EU consumers) Example: If the Tour Operator is established in France, French law and French courts typically have jurisdiction, subject to EU rules allowing you to sue in your own country's courts.

21.4 EU Online Dispute Resolution (ODR) Platform

If you are an EU consumer, you may use the European Commission's Online Dispute Resolution platform for online disputes: https://ec.europa.eu/consumers/odr This platform facilitates out-of-court resolution of disputes between consumers and traders in the EU.

21.5 Class Action Waiver

To the extent permitted by Estonian law, you agree to bring claims against us only in your individual capacity and not as part of a class or representative action. Note: This waiver may not apply to EU consumers under certain consumer protection laws.

22. SANCTIONS AND RESTRICTED TERRITORIES

22.1 Compliance with Sanctions Laws

We comply with international sanctions and export control laws, including:

EU sanctions (EU Common Foreign and Security Policy regulations)
United Nations Security Council sanctions
Estonian national sanctions

22.2 Prohibited Transactions

You may not use the Platform if you are:

Located in or resident of a sanctioned country
A sanctioned individual or entity (appearing on EU, UN, or national sanctions lists)
Acting on behalf of a sanctioned party Currently Sanctioned Countries (as of January 2026):
Russia
Belarus
North Korea
Iran
Syria
Others as updated by EU Council

22.3 Screening and Blocking

We may use automated tools to screen Customers against sanctions lists
We reserve the right to block access from sanctioned territories
Bookings flagged as violating sanctions will be cancelled with full refund

23. GENERAL PROVISIONS

23.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Lifeonabike regarding use of the Platform and booking of Tour Packages. These Terms supersede all prior or contemporaneous understandings, agreements, representations, or warranties (oral or written).

23.2 Amendments

We may update these Terms from time to time by posting updated Terms on the Platform with a new "Last Updated" date. Notice of Changes:

Material changes will be notified to registered users via email at least 30 days before the effective date
Non-material changes (clarifications, formatting) take effect immediately upon posting Acceptance:
Continued use of the Platform after changes take effect constitutes acceptance of updated Terms
If you do not accept updated Terms, you must stop using the Platform
Bookings made before changes take effect remain governed by the Terms in force at the time of booking

23.3 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or arbitrator, the remaining provisions will remain in full force and effect. The invalid provision will be replaced by a valid provision that most closely reflects the intent of the original provision.

23.4 Waiver

Our failure or delay in enforcing any provision of these Terms does not waive our right to enforce that provision in the future or to enforce any other provision. Any waiver must be in writing and signed by an authorized representative of Lifeonabike.

23.5 Assignment

You may NOT:

Assign or transfer your rights or obligations under these Terms without our written consent
Transfer your Booking to another person (except by following the modification process in Section 10) We may:
Assign these Terms to a successor entity in the event of a merger, acquisition, reorganization, or sale of assets
Subcontract performance of our obligations to third parties (e.g., payment processing to Stripe)

23.6 Force Majeure (Platform Operations)

We are not liable for failure to perform our obligations under these Terms (e.g., Platform availability, email communications) if such failure is due to circumstances beyond our reasonable control, including:

Internet or telecommunications failures
Cyberattacks or hacking
Power outages or data center failures
Government actions or regulatory changes
Natural disasters affecting our operations This Section 23.6 applies only to Platform operations, not to Tour Operator services (see Section 10.7 for Tour Package force majeure).

23.7 Language

These Terms are provided in English. Translations into other languages may be provided for convenience. In case of conflict between the English version and a translation, the English version prevails.

23.8 Third-Party Beneficiaries

These Terms are for the benefit of you and Lifeonabike only. No third party (including Tour Operators) has the right to enforce these Terms. Tour Operator services are governed by separate contracts between you and the Tour Operator (subject to EU Package Travel Directive).

23.9 Survival

Sections 17 (Intellectual Property), 19 (Limitations of Liability), 20 (Indemnification), 21 (Dispute Resolution), and 23 (General Provisions) survive termination of these Terms.

24. CONTACT INFORMATION

Email: info@lifeonabike.com Website: www.lifeonabike.com For customer support inquiries: info@lifeonabike.com For privacy/data protection inquiries: info@lifeonabike.com For legal/compliance inquiries: info@lifeonabike.com

25. ACKNOWLEDGMENT AND ACCEPTANCE

By clicking "I Accept", checking the acceptance box, or by using the Platform and making a Booking, you acknowledge and agree that: ✓ You have read and understood these Terms and Conditions in full ✓ You agree to be bound by these Terms ✓ You understand that Life On a Bike is an intermediary, not a Tour Operator/Travel Agency ✓ You understand that Tour Operators are responsible for Tour Package services under EU law ✓ You have read and understood the cancellation and refund policies ✓ You have read and understood the limitations of liability ✓ You are at least 18 years old ✓ You have the legal capacity to enter into this agreement ✓ All information you provide is accurate and complete ✓ You have reviewed the Tour Operator's contact information and cancellation policy for your specific Tour Package

APPENDIX A: NON-EEA TOUR OPERATORS

26. NON-EEA TOUR OPERATORS - SPECIAL PROVISIONS

26.1 Scope of Application

This Section 26 applies exclusively to Tour Packages organized and provided by Tour Operators established outside the European Economic Area (EEA), including but not limited to:

United Kingdom
Switzerland
Other countries in geographical Europe not part of the EEA Tour Packages from Non-EEA Tour Operators are clearly identified on the Platform with a "Non-EEA Tour Operator" badge and specific disclaimers on the Tour Package detail page.

26.2 Platform Role - Enhanced Clarity

CRITICAL DISTINCTION: For Tour Packages involving Non-EEA Tour Operators, Life On a Bike operates exclusively as a technology platform and intermediary service provider. We perform the following LIMITED functions: a) Technology Services:

Providing the digital platform infrastructure for browsing tours
Facilitating online booking and payment processing
Hosting Tour Package information provided by the Tour Operator b) Communication Services:
Relaying messages between you and the Tour Operator
Sending automated booking confirmations and payment reminders
Providing pre-travel logistical information supplied by the Tour Operator c) Payment Collection Services:
Collecting payments on behalf of the Tour Operator as a payment intermediary
Remitting funds to the Tour Operator (minus Platform Service Fee) WE EXPRESSLY DO NOT:
❌ Organize, assemble, or operate the Tour Package
❌ Select or contract with hotels, restaurants, bike suppliers, or guides
❌ Create or design the tour itinerary
❌ Act as a Tour Operator/Travel Agency under EU Directive 2015/2302 or Estonian Package Travel Act
❌ Act as a travel agent with fiduciary obligations to you
❌ Assume any liability for the Tour Operator's performance
❌ Guarantee the quality, safety, or execution of travel services
❌ Provide insolvency protection (see Section 26.4)

26.3 Non-Applicability of EU Package Travel Directive

IMPORTANT LEGAL NOTICE: EU Directive 2015/2302 on Package Travel and Linked Travel Arrangements (PTD) does NOT apply to Tour Packages from Non-EEA Tour Operators. This means: a) No EU-Mandated Insolvency Protection: The Tour Operator is NOT required to maintain the insolvency guarantee/bond mandated by the PTD. If the Tour Operator goes bankrupt, you may lose your payments unless:

The Tour Operator voluntarily maintains insolvency insurance under their national law (e.g., UK ATOL, Swiss travel guarantee)
You have purchased comprehensive travel insurance covering supplier default b) Different Consumer Rights: Your rights are governed by:
The Tour Operator's national law (e.g., UK Consumer Rights Act, Swiss Code of Obligations)
The Tour Operator's own terms and conditions
International conventions (e.g., Montreal Convention for flights, if applicable) These laws may provide less protection than EU Package Travel Directive, particularly regarding:
Cancellation rights and refund timelines
Assistance obligations in case of difficulty
Liability for improper performance
Information requirements c) Limited EU Consumer Protection: You retain certain baseline EU consumer rights in your dealings with Life On a Bike (the platform provider):
Right to accurate information about Platform services
Protection against unfair contract terms (EU Directive 93/13/EEC)
Right to dispute resolution However, these rights apply only to Platform services, not to the Tour Package itself.

26.4 Tour Operator Verification and Responsibility

Our Due Diligence (Limited): Before listing a Non-EEA Tour Operator, we verify: ✓ Company registration in their jurisdiction ✓ Existence of a valid business license/travel license (where required by national law) ✓ Existence of liability insurance (if required by national law) ✓ Basic financial standing (e.g., years in operation, no recent bankruptcy filings) ✓ Customer reviews and industry reputation Limitations of Verification: ⚠️ We do NOT and CANNOT:

Guarantee the Tour Operator's continued financial solvency
Monitor ongoing compliance with their national regulations
Verify the quality or safety of individual tour departures
Audit their insurance coverage on an ongoing basis
Guarantee that they maintain standards equivalent to EU Tour Operators Tour Operator's Full Responsibility: The Non-EEA Tour Operator is solely and exclusively responsible for:
All travel services (accommodation, meals, guides, bikes, transportation)
Compliance with their national laws and regulations
Quality, safety, and execution of the Tour Package
Assistance to travelers in case of difficulty
Refunds in case of cancellation or non-performance
Liability for damages, injuries, or losses No Joint Liability: Under no circumstances do Life On a Bike and the Tour Operator form a partnership, joint venture, or co-contractor arrangement. The Tour Operator is an independent third party using our Platform.

26.5 Direct Contractual Relationship with Tour Operator

Your Travel Contract is with the Tour Operator, NOT Life On a Bike. Formation of Contract: Upon confirmation of your Booking (after we verify availability with the Tour Operator), a direct and binding contract is formed between:

You (the Customer), and
The Tour Operator (the service provider) Life On a Bike is NOT a party to this travel contract. Governing Law and Jurisdiction: Your travel contract with the Non-EEA Tour Operator is governed by:
The Tour Operator's national law (e.g., UK law for UK Tour Operators, Swiss law for Swiss Tour Operators)
The Tour Operator's terms and conditions
Jurisdiction of courts in the Tour Operator's country (subject to international rules on consumer jurisdiction) If you are an EU consumer, you may have additional rights to bring proceedings in your country of residence under international private law rules (e.g., Brussels I Recast, Lugano Convention), but the applicable substantive law remains the Tour Operator's national law.

26.6 Enhanced Informed Consent Requirements

Before Booking a Non-EEA Tour Package, you must: ☑ Read and acknowledge the "Non-EEA Tour Operator Notice" displayed prominently on the Tour Package detail page ☑ Understand that EU Package Travel Directive does NOT apply ☑ Review the Tour Operator's own terms and conditions (linked on the Tour Package page) ☑ Understand that the Tour Operator may NOT have EU-mandated insolvency insurance ☑ Understand that your consumer rights are governed by the Tour Operator's national law, which may differ from EU law ☑ Accept that Life On a Bike is only a platform intermediary and bears no responsibility for tour execution ☑ Agree to direct all claims regarding tour services to the Tour Operator, not Life On a Bike

26.7 Recommended Protections

We STRONGLY RECOMMEND that you: ✓ Purchase comprehensive travel insurance covering:

Supplier default / Tour Operator insolvency
Trip cancellation and interruption
Emergency medical expenses and evacuation
Personal liability
Baggage loss ✓ Verify Tour Operator credentials independently:
Check their national licensing authority (e.g., UK CAA for ATOL, Swiss Travel Guarantee Fund)
Review independent customer reviews (TripAdvisor, Trustpilot, etc.)
Confirm their insurance coverage by requesting proof ✓ Pay by credit card (if possible) to benefit from chargeback protection under your card issuer's policies ✓ Contact the Tour Operator directly before booking if you have concerns about their financial stability

26.8 Platform Service Fee for Non-EEA Tours

No Adjustment to Platform Service Fee: The Platform Service Fee for Non-EEA Tour Packages is the same as for EEA Tour Packages and covers the same services (technology, payment processing, communication, support). Platform Service Fee Refund Policy: The refund policy in Section 9 applies equally to Non-EEA tours, with the following clarification: Exception (a) - "Tour Operator Unavailable": Includes situations where the Non-EEA Tour Operator becomes insolvent or ceases operations before tour departure. Exception (d) - Force Majeure: We assess force majeure based on official declarations by EU institutions, WHO, or the Tour Operator's national government (e.g., UK Foreign Office travel bans, Swiss FDFA warnings).

26.9 Limitation of Platform Liability for Non-EEA Tours

Enhanced Limitation: For Non-EEA Tour Packages, the limitations of liability in Section 19 apply with additional emphasis: a) No Liability for Tour Operator Insolvency: We are NOT liable if the Non-EEA Tour Operator goes bankrupt, ceases operations, or fails to refund payments. Our maximum liability is limited to refunding the Platform Service Fee (and only if we can recover funds from the Tour Operator or payment processor). b) No Liability for Regulatory Non-Compliance: We are NOT liable if the Tour Operator fails to comply with their national laws or regulations, even if such non-compliance causes you harm or loss. c) No Duty to Monitor: We have no ongoing duty to monitor the Non-EEA Tour Operator's financial health, insurance status, or regulatory compliance after initial verification. d) Maximum Liability Cap: Our total aggregate liability for any claim related to a Non-EEA Tour Package is limited to the Platform Service Fee you paid, regardless of the nature or severity of damages claimed. Rationale: This enhanced limitation reflects the increased risk inherent in booking with Non-EEA Tour Operators who are not subject to EU Package Travel Directive protections. By offering these tours, we provide access to a wider range of travel experiences, but you assume greater responsibility for due diligence and self-protection (via insurance).

26.10 Dispute Resolution for Non-EEA Tours

Platform Services Disputes: Disputes with Life On a Bike regarding Platform services follow the procedure in Section 21.2 (informal resolution → mediation → arbitration/courts in Estonia). Tour Services Disputes: Disputes with the Non-EEA Tour Operator regarding tour services are subject to: a) Governing Law: The Tour Operator's national law (e.g., UK law, Swiss law) b) Jurisdiction: Courts or arbitration in the Tour Operator's country, unless international consumer protection rules grant you the right to sue in your home country c) No EU ODR Platform: The EU Online Dispute Resolution platform (https://ec.europa.eu/consumers/odr) does NOT apply to disputes with Non-EEA Tour Operators Alternative Dispute Resolution: Some Non-EEA countries have alternative dispute resolution schemes:

UK: ABTA arbitration, ABTOT protection (if Tour Operator is a member)
Switzerland: Swiss Travel Guarantee Fund (if Tour Operator participates) Check with the Tour Operator whether they participate in such schemes.

26.11 Final Acknowledgment

By booking a Tour Package from a Non-EEA Tour Operator, you explicitly acknowledge and agree: ✓ You understand Life On a Bike is only a platform, not a Tour Operator or travel agent ✓ You understand the Tour Operator is established outside the EEA and not subject to EU Package Travel Directive ✓ You understand you have fewer EU-mandated protections for Non-EEA tours ✓ You accept sole responsibility for verifying the Tour Operator's credentials and financial stability ✓ You agree to direct all claims about tour services to the Tour Operator, not Life On a Bike ✓ You acknowledge the enhanced limitations of liability in Section 26.9 ✓ You have been advised to purchase travel insurance covering supplier default ✓ You have read the Tour Operator's terms and conditions and understand they govern your travel contract Your booking cannot proceed without this acknowledgment.

27. EEA vs NON-EEA COMPARISON TABLE

For your convenience, the following table summarizes key differences:

Aspect	EEA Tour Operators	Non-EEA Tour Operators
EU Package Travel Directive Applies	✅ Yes	❌ No
Mandatory Insolvency Insurance	✅ Yes	⚠️ Optional (depends on national law)
Governing Law	EEA country law (transposing EU PTD)	Tour Operator's national law
Life On a Bike Role	Platform intermediary	Platform intermediary
Travel Contract With	Tour Operator	Tour Operator
Recommended Insurance	✅ Highly recommended	✅✅ Strongly recommended
EU Consumer Rights (for Platform)	✅ Full	✅ Full
EU Consumer Rights (for Tour)	✅ Full (via PTD)	⚠️ Limited (via national law)
Dispute Resolution (Tour)	EU ODR, national courts	National courts, limited ODR
Platform Liability Cap	Platform Service Fee	Platform Service Fee

Last Updated: 05 February 2026 This Appendix A is an integral part of the Life On a Bike Terms and Conditions and must be read in conjunction with Sections 1-25.