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www.topchiyska.com is owned and operated by SilMart Trading Ltd.

Released: May 2018


Your access to, and browsing, review and use of the Site is subject to these Terms and Conditions and all applicable laws. By accessing and using the Site, you accept these Terms and Conditions, without limitation or qualification. If you do not agree to the Terms and Conditions, do not use the Site. If, at any time, any part of the Terms and Conditions is no longer acceptable to you, immediately terminate your use of the Site.


SilMart Trading Ltd. reserves the right to change, modify, add or delete portions of the Terms and Conditions at any time, without prior notice. Please re-review the Terms and Conditions periodically for changes. Your continued use of the Site will mean that you accept such changes or deletions.


Please refer to our Privacy Policy for information regarding the Company’s collection, use, and storage of users’ information.


This Site and all the information it contains, or may in the future contain, including, but not limited to, articles, memoranda, bulletins, reports, press releases, opinions, text, directories, guides, photographs, illustrations, trademarks, trade names, service marks and logos (collectively, the “Content”), is the property of SilMart Trading Ltd., and is protected from unauthorized copying and dissemination.

Except as we have described in these Terms of Use, nothing contained on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use this Site or any Content displayed on this Site, through the use of framing or otherwise, without the prior written permission of SilMart Trading Ltd. or such third party that may own the trademark or copyright of material displayed on this Site.

SilMart Trading Ltd. encourages and permits links to Content on the Site. However, SilMart Trading Ltd. is aa company committed to the highest professional standards.Therefore, SilMart Trading Ltd. does not grant any license or other permission for links or other use of the Site or its Content if such use or link: (a) suggests that SilMart Trading Ltd. promotes or endorses any third party’s causes, ideas, political campaigns, web sites, products or services, (b) copies, displays, disseminates or otherwise uses the Content without SilMart Trading’s express written consent, or (c) uses the Content for commercial purposes. Furthermore, SilMart Trading Ltd. does not grant its consent for links to the Site where the linking party engages in any Prohibited Conduct (as described in these Terms of Use). We reserve the right to withdraw permission for any link at any time.

Subject to your full compliance with these terms, SilMart Trading Ltd. authorizes you to view the Content, make a single copy of it, and print that copy, but only for your own lawful, personal, noncommercial use, provided that you maintain all copyright, trademark and other intellectual property notices contained in such Content, and provided that the Content, or any part thereof, is not modified.


You may use the Site for lawful purposes only. You may not upload to, or distribute or otherwise publish through the Site, any Content that is any of the following:

  • is libelous, defamatory, obscene, pornographic, abusive, harassing or threatening, or otherwise objectionable to SilMart Trading Ltd. in the Company’s sole discretion;
  • contains computer viruses, worms, moles or other contaminating or destructive elements;
  • violates the rights of others, such as Content that infringes any copyright, trademark, patent, trade secret or violates any right of privacy or publicity;
  • contains any false or misleading statement;
  • contains advertising; or
  • otherwise violates any applicable criminal or civil law. You may not use the Site for any commercial purpose and may not distribute over the Site any solicitation of funds, goods and services. In addition, you may not use the Site to solicit subscribers to join other online information services that are competitive with the Site.


The Site may contain links to sites on the Internet that are owned and operated by third parties (the “External Sites”). You acknowledge that SilMart Trading Ltd. is not responsible for the availability of, or the content or software applications located on or through any External Site. You should contact the site administrator or Webmaster for those External Sites if you have any concerns regarding such links or External Sites.

SilMart Trading Ltd. may provide you with links to third party Web sites, and some of the Content appearing to originate from the Site may be supplied by third party Content providers. SilMart Trading Ltd. has no responsibility for these third-party Web sites, which are governed by the terms of use and privacy policies, if any, of the applicable third-party Content providers.


The Site may become unavailable to you as a result of maintenance, malfunction of computer hardware or software, or for other reasons, and may result in damages to your systems or operations. You shall be solely responsible for ensuring that any information or content obtained from the Site does not contain any virus, worm, mole or other computer software code or subroutine designed to disable, erase, impair or otherwise damage your systems, software, or data.


SilaMart Trading Ltd. reserves the right, in its sole discretion, to restrict, suspend or terminate your access to all or any part of the Site at any time for any reason without prior notice or liability and without any obligation to refund any portion of fees paid for any product or service.

SilMart Trading Ltd. may change, suspend or discontinue all or any aspect of the Site at any time, including the availability of any Site feature, database, or content, without prior notice or liability.


You hereby agree to indemnify, defend and hold SilMart Trading Ltd., and all of its predecessors, successors, parents, subsidiaries, affiliates, and past and present officers, directors, shareholders, investors, employees, agents, information providers, attorneys, representatives licencors and information providers (collectively, the “SilMart Trading Ltd. Representatives”) harmless from and against any and all liability, losses, costs and expenses (including attorneys’ fees) incurred by SilMart Trading Ltd. or any SilMart Trading Ltd. Representative in connection with any claim arising out of any use or alleged use by you of this site or arising out of or in relation to any breach by you of the Terms and conditions, or the representations, warranties and covenants you made by agreeing to these Terms and Conditions. SilMart Trading Ltd. reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate reasonably with SilMart Trading Ltd.’s defense of such claim.


The Terms and Conditions constitute the entire agreement between the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter.


The Terms and Conditions may not be amended except in writing signed by both parties and no waiver by either party shall be deemed a waiver of any preceding or subsequent breach or default, unless such a waiver is in writing and signed by an authorized representative of SilMart Trading Ltd.


By using the Services, you consent to receive electronic communications from TOPCHIYSKA.COM /owned by SilMart Trading Ltd/.These electronic communications may include notices about applicable fees and charges, transaction information and other information concerning or related to the TOPCHIYSKA.COM services and your consulting request.These electronic communications are part of your relationship with TOPCHIYSKA.COM. You agree that any notices, agreements, disclosures or other communications that we send you electronically will satisfy any legal communication requirements, including that such communications be in writing.


Any content posted on our website via “third-party links”  are not created or owned by SilMart Trading Ltd. (TOPCHIYSKA.COM). SilMart Trading Ltd. does not take responsibility if there are inappropriate, inaccurate or any other misleading information on those posts offers and/or links.

The Site may contain links to other third-party Web sites or resources (“Third Party Sites”). You acknowledge and agree that SilMart Trading Ltd.  is not responsible or liable for: (i) the availability or accuracy of such Third Party Sites; or (ii) the content, advertising, or products on or available from such Third Party Sites. The inclusion of any link on the Site does not imply that we endorse the linked to Third-Party Site. Your use of the links is at your own risk.


Licenses, Site Access and Copyrights
Subject to and conditioned on compliance with this Agreement, SilMart Trading Ltd. (TOPCHIYSKA.COM) grants you a limited license to access and, if you are a Member, to use the Site internally for the purpose of ordering and receiving the Services available and authorized from the Site. You must not sell, copy, reproduce, distribute, modify, display, publicly perform, prepare derivative works based on, re-post or otherwise use any content of this Site in any way for any public or commercial purpose without the prior written consent of SilMart Trading Ltd. You must not use any content of this Site on any other Web site or in a networked computer environment for any purpose except your own internal viewing. You will not attempt to reverse engineer or attempt to interfere with the operation of any part of this Site unless expressly permitted by law. The Site or any portion of the Site may not be reproduced, duplicated, copied, sold, resold or otherwise exploited for any commercial purpose that is not expressly permitted by SilMart Trading Ltd.

Reservation of Rights
SilMart Trading Ltd. (TOPCHIYSKA.COM) and its licencors retain all of its right, title and interest in and to all patent rights, inventions, copyrights, know-how, and trade secrets relating to the Site. The TOPCHIYSKA.COM logo and name are trademarks of SilMart Trading Ltd and may be registered in certain jurisdictions. All other product names, company names, marks, logos and symbols on the Site may be the trademarks of their respective owners. Except as expressly stated above, nothing in the Terms of Use confers any license under any of SilMart Trading Ltd. (TOPCHIYSKA.COM) or any third party’s intellectual property rights, whether by estoppel, implication or otherwise.


The prices for TOPCHIYSKA.COM consulting services will be based on case-per-case basis. Depending on the needs of the company, length of consulting/training/helping and location. It is expected that the company needing the help will cover all travel and accommodation cost of the requested consultant and will pay the appropriate consulting fee as initially and mutually agreed upon. The payment may be done via direct bank deposit, PayPal or Transferwise. TOPCHIYSKA.COM and its consultants do not accept cash at any given time or personal checks UNLESS a personal check is given by an individual that is not an incorporated entity and only for PERSONAL CONSULTING/PERSONAL DEVELOPMENT services. All consulting services will require the client needing the help to sign-up an agreement that he, the client, (the business and/or an individual) will pay all transportation and accommodation fees of the consultant and half-0f-the-total price in advance, and will pay the second half of the total cost at the end of the consulting. In return, the consultant takes the responsibility to travel to the appointed destination, conduct the needed consulting and offer the help and advise the client has asked for. We stand behind what we offer so we offer a 100% money back guarantee (except the travel costs and accommodation) IF our consulting help has not shown results and improvements within 2 weeks. The 2 weeks eligible for 100% refund start on the last day of the consulting session with the consultant and expire on the 14th day at midnight local time. In order for a refund to be issued, SilMart Trading Ltd. will require a documented progress of all consulting steps followed and detailed description of which ones failed or did not work out for each day of operations within these 2 weeks.


This Terms of Use Agreement and all documents referenced herein shall become effective upon your acceptance or your use of the Site, and shall continue until terminated by SilMart Trading Ltd (TOPCHIYSKA.COM) or you as provided for under the terms of this Agreement.

You are responsible for compliance with applicable local laws, keeping in mind that access to the contents of this Site may not be legal for or by certain persons or in certain countries

The law and jurisdiction of the Republic of Bulgaria will be applied if any of the above terms, conditions, rules, and agreements are misrepresented, wronged, misused, sold, recreated or any other illegal activity occurs.

This Agreement and all documents referenced herein constitute the entire agreement between you and SilMart Trading Ltd (TOPCHIYSKA.COM) with respect to the subject matter hereof and supersedes all prior agreements between the parties as well as any conflicting or inconsistent terms in any Web site that link to or are linked from this Site.