1. Acceptance of Terms

By accessing our website, services, and financial education materials, you agree to comply with these Terms and Conditions. You must be at least 18 years old to use our services.

2. Nature of Services

Services include financial education, investment guidance, market analysis, and portfolio planning. All information is provided for educational purposes unless a written advisory agreement is signed.

3. No Guaranteed Results

4. Not Personalized Financial Advice

Unless you have a signed advisory agreement, all information provided is general and may not reflect your personal financial situation.

5. Client Responsibilities

6. Fees & Payments

Fees must be paid in full before services begin. Fees may be subscription-based or one-time and are non-refundable unless stated otherwise in writing.

7. Educational Content Disclaimer

All courses, webinars, emails, reports, and social content are for educational purposes only and do not constitute legal, tax, or personalized financial advice.

8. Intellectual Property

All content is protected by copyright and may not be copied, reproduced, sold, or distributed without written permission.

9. Limitation of Liability

We are not liable for trading losses, investment losses, missed profits, or platform outages. Use of services is at your own risk.

10. Third-Party Platforms

We may reference brokers or financial tools. We do not control or guarantee third-party services.

11. Risk Disclosure

Trading stocks, crypto, forex, and commodities involves significant risk and may not be suitable for all investors.

12. Privacy

Your personal data is handled according to our Privacy Policy. We do not sell personal data.

13. Termination

Access may be terminated if terms are violated or payments are not completed.

14. Changes to Terms

We may update these Terms at any time. Continued use of services means acceptance of updates.

15. Governing Law

These Terms are governed by applicable financial and consumer protection laws.