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Terms and Conditions

Last Updated: 2 October 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 Redpilled OÜ (registry code 17419878, VAT EE102949454, Ruunaoja tn 3, 11415 Tallinn, Estonia), operating under the trade name Life On a Bike. "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 or outside the EEA (see Appendix A), that organises and provides the Tour Package services and is the organiser of the package. "Tour Package" means the cycling tour services (accommodation, bike rental, guides, meals, transfers, etc.) organized and provided by the Tour Operator. "Commission" means the fee paid to Life On a Bike by the Tour Operator on confirmed and paid Bookings, in consideration for the intermediation, technology and support services provided through the Platform. The Commission is agreed bilaterally between Life On a Bike and the Tour Operator and is not borne by the Customer. "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 by the date shown in your quote.

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 (which includes our cookie information) explains how we process your personal data.

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 and acts as a travel retailer, as described in Section 3.3. We do not organise, operate, or provide Tour Packages ourselves.

3.2 What We Provide

  • Technology platform for browsing and booking Tour Packages
  • Payment pages hosted through Stripe Connect, on which you pay the Tour Operator directly (see Section 6)
  • Customer communication and support services
  • Coordination between Customers and Tour Operators
  • Pre-travel information and assistance

3.3 Role of Life on a Bike

Life on a Bike, operated by Redpilled OÜ (Estonia), is a travel intermediary registered with the Estonian Consumer Protection and Technical Regulatory Authority (TTJA). For the purposes of Directive (EU) 2015/2302 and the Estonian Tourism Act, Life on a Bike acts as a retailer of packages organised by independent Tour Operators. The organiser of each package — the party that combines the travel services and is responsible for their performance — is always the Tour Operator named on the tour page. Life on a Bike does not combine travel services into packages, does not contract with hotels, restaurants, guides, bicycle suppliers or carriers, and does not perform any travel service. As a retailer, Life on a Bike provides you with the pre-contractual information and standard information form, transmits your booking to the organiser, and forwards to the organiser without undue delay any message, request or complaint you send us about the performance of the package.

3.3a Tailor-Made Tours

When you ask for a tailor-made itinerary, Life on a Bike identifies a single Tour Operator able to design and organise it. The tailor-made package is designed, contracted, organised and invoiced by that Tour Operator, which is its organiser, on the same terms as packages in our catalogue. Life on a Bike does not combine services from different Tour Operators or other providers into a single trip.

3.4 Tour Operator Responsibility

Each Tour Package is organised and provided by an independent Tour Operator, established in an EEA country or outside the EEA (see Appendix A). 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: Packages offered on our Platform to travellers resident in the EU/EEA are subject to EU Directive 2015/2302 (the "Package Travel Directive"), which provides comprehensive consumer protection for package holidays, including:
  • Insolvency protection (security for the refund of payments and, where carriage is included, repatriation, provided by the Tour Operator)
  • 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 applicable national law. For Tour Operators established outside the EEA, see Appendix A (Section 26.3).

3.5 Insolvency Protection

Each Tour Operator provides its own protection against insolvency, in accordance with the law applicable to it. Before listing a Tour Operator, Life on a Bike verifies that this protection is in place (for Tour Operators established outside the EEA, see Section 26.3). The protection that applies to your booking is indicated in your booking confirmation. Your payments for the package are made directly to the Tour Operator (Section 6), and Life on a Bike does not receive or hold them.

The cover included in the protected rate (BeSafe Rate Plus, Section 6.1) concerns cancellation and assistance during your stay: it is not a protection against the insolvency of the Tour Operator.

4. TOUR OPERATOR INFORMATION

4.1 Establishment of Tour Operators

Tour Operators listed on our Platform include companies established in the European Economic Area (EEA) — the 27 EU Member States plus Norway, Iceland, and Liechtenstein — and companies established outside the EEA. Special provisions for Tour Operators established outside the EEA are set out in Appendix A.

4.2 Tour Operator Disclosure

The name of the Tour Operator organising each package is shown on the tour page before you request a quote. Its full identity and contact details are given in your booking confirmation and in the travel contract.

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; for Tour Operators established outside the EEA, see Section 26.3)
  • 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: on the use of artificial intelligence for images and tour descriptions, see Section 28.

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, directly to the Tour Operator (see Section 6) 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
  • Billing details
  • Optionally, in free text, dietary preferences or accessibility needs. Please do not include information about your health (see Section 11.2). 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 is due by the date shown in your quote. Before that date we send you by email a link to pay the Balance through Stripe, followed by reminders if it is still unpaid. Like the Deposit, the Balance is paid directly to the Tour Operator (see Section 6). Your payment card is not charged automatically: each payment is made by you on the Stripe payment page.

5.6 Unpaid Balance

If the Balance is not paid by the due date, we will notify you by email and give you an additional period of at least 3 days to pay. If the Balance remains unpaid, the Tour Operator may terminate the package travel contract and apply the cancellation charges of its own cancellation policy, which may never exceed the reasonable standardised termination fees permitted by Article 12(1) of Directive (EU) 2015/2302.

6. PRICING AND FEES

6.1 Price Display

All prices are displayed in EUR (€) and include VAT where applicable. The Total Price you see for any Tour Package corresponds to the price of the Tour Operator Services (VAT included).

Total Price = price of the Tour Operator Services (VAT included). Life On a Bike does not charge any service fee to the Customer. Use of the Platform is free for Customers; our compensation for the intermediation, technology and support services comes through a Commission paid by the Tour Operator on confirmed and paid Bookings.

Payment to the Tour Operator Your payment is made directly to the Tour Operator's own payment account, hosted on our platform through Stripe Connect. Life on a Bike never receives or holds these funds; it receives only its commission from the Tour Operator. The Total Price is the price of the Tour Operator's services; Life on a Bike charges you no fee.

Standard rate and protected rate Every tour is offered at two rates for the same trip, and you choose one of them in your quote: the standard rate, with the Tour Operator's ordinary cancellation conditions, and the protected rate (BeSafe Rate Plus), which includes cover provided by BeSafe: a refund of up to 100% of the amounts prepaid if you cancel for any documentable cause (for example illness, injury, or inability to take leave) up to check-in, with refunds within 7 days, and assistance during your stay (medical assistance, baggage including theft, roadside assistance). The cover is provided by BeSafe under its own conditions, available at https://www.travel.besafesuite.com/insurances/besafe-plus; it is not provided by Life on a Bike or by the Tour Operator. The protected rate does not protect you against the insolvency of the Tour Operator.

6.2 Price Breakdown

The Total Price displayed for each Tour Package corresponds to the price of the Tour Operator Services. The Commission earned by Life On a Bike is settled directly with the Tour Operator under their separate operator agreement and does not appear on the Customer-facing price.

6.3 VAT Treatment

  • Tour Operator Services: subject to VAT rules in the Tour Operator's country (often margin scheme for package travel). VAT is included in the Total Price displayed to the Customer.
  • Commission (B2B, Tour Operator → Life On a Bike): invoiced separately to the Tour Operator under reverse-charge / Estonian VAT rules where applicable; the Customer is not a party to and does not receive an invoice for the Commission.

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

Payments are made by credit/debit card (and any other method offered on the Stripe payment page) through Stripe, a PCI-DSS Level 1 certified payment processor, to the Tour Operator's Stripe account (see Section 6.1). We do not store complete credit card information on our servers.

7.2 Payment Schedule

  • Deposit: Paid upon booking (typically 30% of Total Price)
  • Balance: Paid by the due date shown in your quote, through the payment link we send you (typically 70% of Total Price)

7.3 Payment Authorization

Each payment (Deposit, Balance, and any amount due for a modification under Section 10.5) is authorised by you separately on the Stripe payment page. We do not charge your payment card automatically.

7.4 Payment Receipts and Invoices

You will receive:

  • Payment receipts via email for each transaction. The receipt or invoice for the Tour Operator Services is issued by the Tour Operator (and may be technically generated by the Platform on their behalf). Life On a Bike does not issue an invoice to the Customer because no Customer-facing fee is charged.
  • 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 is excluded for:

  • 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 is excluded. 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 of your Deposit.

9. PLATFORM SERVICE FEE

Life On a Bike does not charge a Platform Service Fee to Customers.

Use of the Platform is free for Customers. Life On a Bike's compensation for the platform and intermediation services comes through a Commission paid by the Tour Operator on confirmed and paid Bookings.

This Section is reserved should the Platform's commercial model change in the future. Any introduction of a Customer-facing Platform Service Fee would be communicated through an updated version of these Terms and Conditions and would only apply to Bookings made after the effective date of the update.

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 (or the Tour Operator) with your Booking reference number
  • You may terminate the package travel contract at any time before the start of the package. Your cancellation takes effect on the date we receive it, which counts as the date of receipt by the Tour Operator (see Section 16.1)

Refund Calculation: The refund is determined exclusively by the Tour Operator's cancellation policy applicable to your Tour Package (see Section 10.1). Penalties typically increase as the departure date approaches. Because Life On a Bike does not charge a Customer-facing fee, no separate refund computation applies on the Platform side: any amount you receive back corresponds to the portion of the Tour Operator Services that the Tour Operator's policy allows to be refunded.

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)
  • 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
  • the Tour Operator fails to meet our Operator Standards (insurance, license, response times, customer-safety incidents, repeated cancellations) — in such cases, we may suspend the listing and coordinate cancellation with the Tour Operator
  • The Balance remains unpaid after the additional period described in Section 5.6 In cases (a)-(c):
  • Full refund of all amounts paid
  • We will assist you in finding an alternative Tour Package In case (d) - Unpaid Balance:
  • The cancellation charges of the Tour Operator's policy apply, within the limits described in 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:

  • The Tour Operator's modification policy
  • Availability with the Tour Operator
  • Tour Operator's modification fees (if any); Life on a Bike charges no modification fee
  • 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 forward your request to the Tour Operator and confirm availability and 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 a full refund of all amounts paid for the Tour Operator Services
  • 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 of all amounts paid for the Tour Operator Services 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) is limited to the value of services not provided, in accordance with the Tour Operator's policy 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

10.8 Transfer of Your Booking

You may transfer your booking to a person who satisfies all the conditions applicable to the package, by notifying us or the Tour Operator on a durable medium at least 7 days before departure. You and the transferee are jointly liable for the balance and for any additional fees and costs arising from the transfer, which will be limited to the costs actually incurred by the Tour Operator and communicated to you with proof.

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, where requested
  • Room and bicycle details (including height for bike size) 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 Information and Physical Fitness

Life on a Bike does not ask for, collect or need information about your health, medical conditions, medication, disabilities or allergies, and our booking forms do not contain such fields. Please do not send such information to us. If you believe the Tour Operator should know something about your health or physical condition to deliver the tour safely (for example a severe allergy, a mobility limitation, or essential medication), please tell the Tour Operator directly, using the contact details given in your booking confirmation. The Tour Operator processes that information as an independent controller under its own privacy notice. You are responsible for assessing whether the tour's difficulty level and physical requirements, described on the tour page, are suitable for you. Life on a Bike is not liable for consequences arising from information about your health that you chose not to share with the Tour Operator. If you send us health information anyway, we will not use it, will ask you to send it directly to the Tour Operator, and will delete it.

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
  • Comprehensive travel insurance can also cover deposit penalties, balance non-refundable amounts and other non-refundable expenses (e.g. flights booked separately)

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

Dietary preferences (for example vegetarian or vegan) can be indicated in the free-text field of the request form. Allergies, intolerances and other dietary needs related to your health should be communicated directly to the Tour Operator (see Section 11.2). 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:
  • The Tour Operator's modification fees (if any)
  • 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 Your Point of Contact

Life on a Bike is your main point of contact for questions about your booking until departure. You may nevertheless contact the Tour Operator directly at any time using the details given in your booking confirmation, and the Tour Operator may contact you directly. Any message, request or complaint you send us about the performance of the package is forwarded to the Tour Operator without undue delay; the date of receipt by Life on a Bike counts as the date of receipt by the Tour Operator.

Email: info@lifeonabike.com

16.2 Tour Operator Direct Communication

The Tour Operator may contact you directly at any time, in particular regarding:

  • Final logistics and meeting point details
  • Itinerary updates and modifications requiring your decision
  • Tour cancellation by the Tour Operator
  • Emergency situations

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 AI-Assisted and Automated Communications

Some of our communications are drafted with the help of artificial intelligence or prepared and sent automatically. See Section 28.2.

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 Reviews

Reviews of Life on a Bike are collected and published on Trustpilot (Trustpilot A/S, Denmark), under Trustpilot's own terms and guidelines; we do not host a review system on the Platform. After the trip, we invite customers who travelled on a booking made through the Platform to leave a review on Trustpilot. Trustpilot is an open platform: reviews there can also be written by people who have not travelled with us (for example about our pre-sale service), and Trustpilot applies its own verification, labelling and moderation rules.

We do not edit reviews published on Trustpilot and cannot remove them. We may report a review to Trustpilot only if it contains illegal content, hate speech, personal data of third parties, content unrelated to the trip, or advertising; the decision is taken by Trustpilot under its own rules. Anyone can report a review they believe breaches these rules directly on Trustpilot or by writing to info@lifeonabike.com.

On our website we show a small selection of excerpts from Trustpilot reviews, chosen by us. Excerpts may be shortened for length without changing their meaning, show the reviewer's first name and the publication date on Trustpilot, and link to the full reviews on Trustpilot. When an excerpt comes from a person who has not yet travelled with us, we say so next to it.

17.4 Tour Package Content Accuracy

Tour Package descriptions, photos, videos, and itineraries are provided by Tour Operators or created by us, in some cases with the help of artificial intelligence (see Section 28). While we strive for accuracy:

  • Images are illustrative and are not a contractual description of the tour (see Section 28.1)
  • 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 described in our Privacy Policy (available at lifeonabike.com/privacy-policy). We comply with:

  • EU General Data Protection Regulation (GDPR) 2016/679
  • Estonian Personal Data Protection Act Please read the Privacy Policy, which explains the legal bases on which we process your data.

18.2 Data Controller

Redpilled OÜ (Life on a Bike) is the data controller for personal data processed for the Platform and for the management of your booking. The Tour Operator is an independent controller for the performance of the travel contract.

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
  • Booking details (room type, bike type, height for bike size, any free-text requests)
  • 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 for the periods set out in Section 8 of our Privacy Policy, in accordance with our Data Retention Policy.

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

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: Because Life On a Bike does not charge a Customer-facing fee, our total aggregate liability to you for any claim arising from Platform services in connection with a Booking is limited to the greater of (i) EUR 100 or (ii) the amount of Commission Life On a Bike has actually received from the Tour Operator in respect of the relevant Booking, except in case of intent, gross negligence, or death or personal injury, and without prejudice to mandatory consumer law. This cap does not exclude or limit liability that cannot be excluded or limited under the laws of the Republic of Estonia or other mandatory laws of your country of residence.

19.2 Tour Operator Services - No Liability

We Are NOT Liable for Tour Operator Services: Without prejudice to Life on a Bike's own obligations as retailer (Section 3.3), 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 (the Tour Operator's insolvency protection applies, see Section 3.5 and Appendix A)
  • 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 acts as a retailer, not as the organiser of the package (Section 3.3)
  • Tour Operators are independent businesses responsible for travel services
  • Tour Operators provide their own insolvency protection, verified by Life on a Bike before listing (Section 3.5)
  • 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 acts as a retailer of packages organised by independent Tour Operators, as described in Section 3.3. The organiser of each package is always the Tour Operator named on the tour page.

21.1 Governing Law

These Terms are governed by the laws of the Republic of Estonia. If you are a consumer, this choice of law does not deprive you of the protection afforded by the mandatory provisions of the law of your country of residence (Article 6 of Regulation (EC) No 593/2008, "Rome I"). 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
  • Directive (EU) 2015/2302 on package travel, including the obligations of the retailer
  • 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, without prejudice to Life on a Bike's obligations as retailer under the Estonian Tourism Act and Directive (EU) 2015/2302.

21.2 Disputes Regarding Platform Services

For disputes with Life On a Bike regarding Platform services: Informal Resolution: You can contact us at info@lifeonabike.com with a description of your complaint. We will reply within 30 days. Mediation (Optional): Mediation or other out-of-court dispute resolution is optional and is never a condition for bringing a claim. The bodies available are listed in Section 21.4. Courts:

  • If you are a consumer, you can always bring proceedings in the courts of your country of residence, and we can bring proceedings against you only in those courts (Regulation (EU) No 1215/2012)
  • You may also bring proceedings before Harju County Court, Tallinn, Estonia

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 Alternative Dispute Resolution and European Consumer Centre

If you are a consumer, you may refer a dispute with Life on a Bike to an out-of-court dispute resolution body:

  • Estonian Consumer Disputes Committee (Tarbijavaidluste komisjon), operating at the Consumer Protection and Technical Regulatory Authority (TTJA): www.ttja.ee
  • European Consumer Centre Estonia, for cross-border disputes within the EU: consumer.ee
  • The alternative dispute resolution bodies of your country of residence, or the European Consumer Centre of your country

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 (including its cookie information), 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 as provided in Section 10.8) 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 acts as a retailer and that the organiser of each package is the Tour Operator ✓ 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
  • United States
  • Other countries not part of the EEA

26.2 Platform Role - Enhanced Clarity

CRITICAL DISTINCTION: For Tour Packages involving Non-EEA Tour Operators, Life On a Bike acts as a retailer, as described in Section 3.3, and performs the following 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 Pages:
  • Hosting, through Stripe Connect, the payment pages on which you pay the Tour Operator directly (Section 6.1); Life on a Bike never receives or holds these funds d) Verification:
  • Verifying before listing the Tour Operator's protection against insolvency (Section 26.3) 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 the organiser of the package under EU Directive 2015/2302 or the Estonian Tourism Act
  • ❌ Assume liability for the Tour Operator's performance, without prejudice to our obligations as retailer
  • ❌ Guarantee the quality, safety, or execution of travel services

26.3 Protection for Travellers Resident in the EU/EEA

Some packages are organised by Tour Operators established outside the European Economic Area. Where such a package is offered to travellers resident in the EU/EEA, Life on a Bike, as the retailer established in the EU, verifies before listing that the Tour Operator provides security for the refund of payments and, where carriage is included, repatriation in the event of its insolvency, covering EU travellers, as required by Directive (EU) 2015/2302. The protection that applies to your booking is indicated in your booking confirmation. The travel contract remains with the Tour Operator and is governed by the law stated in its terms, without depriving you of the protection afforded by the mandatory rules of your country of residence.

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) ✓ Security for the refund of payments and, where carriage is included, repatriation in the event of insolvency, covering EU/EEA travellers (Section 26.3) ✓ 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), and the choice of law does not deprive you of the protection afforded by the mandatory rules of your country of residence.

26.6 Information Before Booking

Before booking a Non-EEA Tour Package, please: ☑ Review the Tour Operator's own terms and conditions (linked on the Tour Package page) ☑ Check the insolvency protection indicated in your booking confirmation (Section 26.3) ☑ Note that your travel contract is governed by the law stated in the Tour Operator's terms, without prejudice to the mandatory rules of your country of residence ☑ Direct claims regarding tour services to the Tour Operator, or send them to us and we will forward them (Section 16.1)

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 Compensation for Non-EEA Tours

Life On a Bike does not charge a Customer-facing fee in connection with Non-EEA Tour Packages. Our compensation comes through the Commission paid by the Non-EEA Tour Operator on confirmed and paid Bookings, on the same principles described in Sections 6 and 9. Customer-facing pricing for Non-EEA Tour Packages reflects the price of the Tour Operator Services, with VAT included where applicable under the relevant rules.

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) Tour Operator Insolvency: In the event of the Non-EEA Tour Operator's insolvency, the protection indicated under Section 26.3 applies. Life on a Bike does not receive or hold the price of the package (Section 6.1). 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 greater of (i) EUR 100 or (ii) the amount of Commission Life On a Bike has actually received from the Non-EEA Tour Operator in respect of the relevant Booking, except in case of intent, gross negligence, or death or personal injury, and without prejudice to mandatory consumer law.

26.10 Dispute Resolution for Non-EEA Tours

Platform Services Disputes: Disputes with Life On a Bike regarding Platform services follow Sections 21.2 and 21.4 (optional out-of-court resolution; courts of your country of residence). 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 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 acknowledge that: ✓ Life On a Bike acts as a retailer, and the Tour Operator is the organiser of the package ✓ The Tour Operator is established outside the EEA, and the protection that applies to your booking is the one indicated in your booking confirmation (Section 26.3) ✓ You have been advised to consider travel insurance ✓ You have read the Tour Operator's terms and conditions, which govern your travel contract without prejudice to the mandatory rules of your country of residence

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 ✅ Applies to packages offered to travellers resident in the EU/EEA (Section 26.3)
Insolvency Protection ✅ Provided by the Tour Operator, verified by Life on a Bike before listing ✅ Provided by the Tour Operator, verified by Life on a Bike before listing (Section 26.3)
Governing Law (travel contract) EEA country law (transposing EU PTD) Law stated in the Tour Operator's terms, without prejudice to the mandatory rules of your country of residence
Life On a Bike Role Retailer Retailer
Travel Contract With Tour Operator Tour Operator
Travel Insurance ✅ Highly recommended ✅ Highly recommended
Dispute Resolution (Tour) National ADR bodies, European Consumer Centres, national courts ADR schemes where available, European Consumer Centres, national courts
Platform Liability Cap greater of EUR 100 or Commission received from the Tour Operator, with the exceptions in Section 19.1 greater of EUR 100 or Commission received from the Tour Operator, with the exceptions in Section 19.1

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 and Section 28.

28. USE OF ARTIFICIAL INTELLIGENCE

This Section 28 is part of the main Terms and applies to all Tour Packages.

28.1 Images

Images on the platform include photographs supplied by Tour Operators or image banks, photographs modified with artificial intelligence, and images entirely generated with artificial intelligence. Because these cannot always be told apart, we apply the same visible "AI" mark to every image, including photographs; the mark means "AI-generated or AI-modified" and is explained next to the images. The mark is applied by policy to all images and does not mean that a specific image was necessarily generated or modified. Images illustrate the landscape and atmosphere of the tour and are not a contractual description of it; they never depict the specific accommodation or services included in the package, which are described in the tour information and in the Tour Operator's documents. If you notice an image without the mark, write to info@lifeonabike.com.

28.2 Communications

Our emails may be drafted with the help of artificial intelligence and reviewed by a member of our team, or prepared and sent automatically by an AI assistant; replies you send us may be read by a person or processed by an AI agent. Emails are signed with the name of a team member, of a service identity or of the Life on a Bike team. Every email we send carries a notice in its footer stating that our emails may be drafted with the help of artificial intelligence and reviewed by a member of our team, or prepared and sent automatically by an AI assistant. Standard messages with a fixed text that are sent automatically, such as payment reminders and review requests, are signed by the Life on a Bike team. Our AI agents never claim to be human.

28.3 No Automated Decisions

Prices are calculated by fixed rules from the Tour Operator's rates; availability, booking acceptance, modifications and cancellations are decided by the Tour Operator. We do not use artificial intelligence to take decisions that produce legal effects concerning you or similarly significantly affect you.

28.4 Tour Descriptions

Tour texts may be drafted with AI assistance; Life on a Bike reviews them and takes editorial responsibility for them. The information they contain is supplied and verified by the Tour Operator.

Last Updated: 5 October 2026

Terms and Conditions | Lifeonabike.com