Terms of Service

These Terms of Service (the "Terms") govern your access to and use of Options Academy (the "Service"), operated by Options Academy (the "Company," "we," "us," "our"). By accessing, purchasing, or using the Service, you agree to be bound by these Terms. Please read them carefully.

If you do not agree to these Terms, do not use the Service or make any purchase.

1. Read This First: Educational Use Only — Not Financial Advice

The Service is educational content for general information only. It is NOT financial, investment, legal, accounting, or tax advice, and it is not an offer, recommendation, or solicitation to buy or sell any security.

By using the Service you acknowledge and agree that:

1. No advisory relationship is created. Nothing on the Service makes us your investment adviser, fiduciary, broker, or agent. We do not have a fiduciary duty to you.
2. No personalized advice. Content is provided on a "general educational" basis and is not tailored to your financial situation, goals, or risk tolerance. Any examples are hypothetical and for illustration only.
3. You are responsible for your own decisions. Any decision to trade or invest, including the use of options, is entirely your own. You are solely responsible for the results, including any losses.
4. Past performance and educational examples do not guarantee future results. Charts, backtests, simulators, and "replays" of historical performance are illustrative and may not reflect real trading conditions.
5. We are not compensated or affiliated with any brokerage. We receive no commissions and do not recommend specific trades.
6. Risk of loss can exceed your entire investment. Options trading is complex and risky. You can lose more than your initial investment. The Service is no guarantee of profit or protection from loss.

Please consult a licensed financial professional before making any financial decision. We are not liable for any loss you incur based on information from the Service.

2. Specifically Regarding our AI Mentor

The Service includes "The Mentor", an AI-powered chat assistant that answers questions and can review text or images (including screenshots) you submit. You acknowledge that:

1. AI output is not financial advice. AI-generated responses are informational and educational only. They do not constitute professional, personalized, or reliable financial advice.
2. AI can make mistakes. The AI may produce inaccurate, incomplete, or outdated information. It may hallucinate, and it does not account for real-time market data or your personal circumstances. Do not rely on AI responses for real trading decisions without independent verification.
3. No guarantee of availability or accuracy. Chat responses are generated at the time you ask; we do not warrant their accuracy, completeness, or currentness.
4. Your submissions. By uploading content (text, images, screenshots), you grant us the license described in Section 10 and acknowledge the privacy terms in our Privacy Policy. Do not upload sensitive or personally identifiable information or real brokerage credentials.
5. No financial relationship is created by your use of the AI Mentor.

3. Eligibility

You may use the Service only if you are at least 18 years old and capable of forming a binding contract. By using the Service you represent that you meet these requirements. The Service is for individual licensees; it may not be shared with or resold to others.

4. Your Account

• You are responsible for the accuracy of your account information and for all activity under your account.
• Keep your password confidential. Notify us immediately of any unauthorized use.
• You may not create accounts using someone else's identity, or create accounts for automated or fraudulent purposes.
• We may suspend or terminate accounts that violate these Terms.

5. Content and Accuracy Disclaimers

The Service contains lessons, strategy library, glossary, interactive tools, and replay content. We work to keep it educational and accurate, but:

1. Materials are provided "as is" and may contain errors or inaccuracies, including instructional errors, outdated options/regulatory rules, or technical omissions.
2. Market rules, product specifications (including options contract terms, expirations, and multipliers) can change and may not be reflected in the materials.
3. Screenshots and user-submitted content displayed anywhere in the Service are provided by third parties and are unverified.
4. You assume full responsibility for verifying anything you rely on.

6. Lifetime Access — License, Not Sale

Lifetime Access is a purchase made through Apple Pay (the App Store) or Google Play.

1. You are purchasing a revocable, non-transferable, non-exclusive, personal license to access the educational content of the Service for the life of the Service / as long as we offer it. It is not a transfer of ownership, a sale of the content, or a promise that the Service will be available forever.
2. "Lifetime" is defined as the lifetime of the access as provided. We reserve the right to discontinue, retire, or change features, content, or the Service as a whole. If we discontinue the Service entirely, your Lifetime Access ends.
3. Account requirement. Lifetime Access is tied to the account and/or the Apple/Google account used to purchase it. You must keep that account active and accessible to maintain access.
4. No sharing. Lifetime Access may not be transferred, sublicensed, rented, or sold to any third party.
5. No guarantee of uninterrupted access. We may temporarily suspend access for maintenance, security, or where required by law.

7. Token Packs and In-App Purchases

We may offer token packs that you can use toward AI Mentor interactions (questions, screenshots, or priority usage).

1. Tokens are a prepaid feature allowance, not currency. Tokens have no cash value, are not refundable in cash, and cannot be exchanged for money, redeemable value, or other goods.
2. Non-refundable. Except as required by law or the applicable app store, token purchases are non-refundable once delivered to your account.
3. Consumption. Tokens are consumed when you use them (for example, per AI question or per submission). Token balances are not redeemable for any monetary amount.
4. No expiration guarantee. We may retire, alter, or expire tokens with notice if the Service or a feature is discontinued. Unused tokens may be forfeited if your account is terminated for violating these Terms, or (subject to applicable law and store rules) upon account deletion.
5. Account-bound. Tokens apply only to the account to which they were delivered; they cannot be transferred, combined with another account, or converted.
6. You may only obtain tokens through the in-app purchasing mechanisms we make available (Apple App Store / Google Play). Tokens obtained through any other means are void.

8. Payments, Store Terms, and Refunds

1. Payments are processed by Apple or Google, not directly by us. All purchases are subject to the applicable app store's terms of service and privacy policy.
2. Your transaction with the app store is separate from these Terms. The store provides the mechanism and billing; we provide the goods.
3. Refunds. Except where required by law or the app store's refund policy, all purchases are final and non-refundable once completed. If you believe you are entitled to a refund, contact the relevant app store (Apple/Google) first; final refund decisions for the payment are governed by the store. Where we have received a chargeback or refund through the store, we may suspend access until resolved.
4. Taxes may apply and are your responsibility (usually handled by the store).
5. Price changes. We and the stores may change prices for future purchases. Existing purchases remain governed by the terms in effect at purchase.

9. Acceptable Use

You agree not to:

1. Use the Service for any unlawful purpose or in violation of these Terms.
2. Infringe on the IP or other rights of others.
3. Upload or transmit malware, viruses, or harmful code.
4. Attempt to access, scrape, copy, or reverse the Service's content, code, databases, or infrastructure, except as expressly permitted.
5. Resell, redistribute, or publicly display the content without our written permission.
6. Use the Service to build a competing product.
7. Impersonate others or misrepresent your identity or affiliation.
8. Interfere with or disrupt the Service, its servers, or connected networks.
9. Submit false, defamatory, or harassing content, including through the AI Mentor.
10. Use the AI Mentor to provide advice to third parties, or to make automated trading, investment, or other advisory decisions.

10. Your Submissions and License to Us

When you submit content to the Service — including AI Mentor questions, uploaded images/screenshots, reviews, feature requests, and feedback — you remain the owner of your content, and you grant us:

• A worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, store, reproduce, distribute, display, and use your submissions to operate, improve, and train the Service and its AI systems (in accordance with our Privacy Policy, aggregated and de-identified where used for model training).

You also agree that:

• You are solely responsible for the content you submit, including ensuring you have the right to share it.
• Sensitive-data warning: You should not upload real brokerage credentials, passwords, full account numbers, or sensitive personal information. You acknowledge that submissions, including screenshots, may be reviewed. We recommend redacting account numbers and personal identifiers before uploading images.
• We may remove or modify user content at any time if we believe it violates these Terms.
• Feedback you provide becomes non-confidential; we may use it without obligation or compensation to you.

11. Intellectual Property

The Service (including lessons, text, graphics, logos, software, and design) is owned by us or our licensors and is protected by copyright, trademark, and other laws. You receive only the limited license in Section 6; no other rights are granted. "Options Academy," our logos, and related marks are our trademarks.

12. Term and Termination

• These Terms apply while you use the Service.
• You may stop using the Service at any time. Stopping use or deleting your account does not entitle you to a refund (see Sections 7 and 8).
• We may suspend or terminate your access immediately if you violate these Terms, or if we believe your use harms the Service or other users.
• Effect of termination: your license ends, unused tokens may be forfeited (Section 7), and you must stop using the Service. Sections that by nature survive termination (including Sections 1, 2, 5, 7, 10, 11, 14, 15, 16, 17) will continue to apply.

13. Third-Party Services and Links

The Service may link to third-party websites or use third-party services (including Apple, Google, and AI providers). We do not control and are not responsible for third parties. Your use of third-party services is subject to their own terms and privacy policies.

14. Disclaimer of Warranties

To the fullest extent permitted by law, the Service and all content and features are provided "AS IS" and "AS AVAILABLE," without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or availability.

We do not warrant that:

• The Service will be uninterrupted, error-free, or secure.
• Content or AI output will be accurate, complete, or current.
• Results of any kind (including interactive or educational outcomes) will be achieved.

Educational content is illustrative only and is not a prediction, projection, or guarantee of any investment outcome.

15. Limitation of Liability

To the fullest extent permitted by law, in no event will the Company, its affiliates, officers, directors, employees, agents, licensors, or service providers be liable for:

1. Any direct, indirect, incidental, special, consequential, or punitive damages (including loss of profits, data, goodwill, or trading losses) arising from or related to your use of or inability to use the Service, including any trading or investment decisions you make, in whole or in part, based on the Service or AI Mentor output.
2. Our total aggregate liability for all claims related to the Service shall not exceed the greater of (a) the amounts you paid for the Service in the twelve (12) months preceding the claim, or (b) one hundred dollars (US$100.00).

Because options trading involves substantial risk, and because decisions are yours alone, we specifically disclaim liability for financial losses. Your use of the Service, including trading decisions informed by it, is entirely at your own risk.

Some jurisdictions do not allow the exclusion or limitation of certain damages; in such cases, our liability is limited to the maximum extent permitted by applicable law.

16. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its affiliates, officers, directors, employees, agents, licensors, and service providers from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

1. Your use of the Service.
2. Your submissions and any content you provide (including claims that your submissions infringe third-party rights or contain unlawful content).
3. Your violation of these Terms.
4. Your violation of applicable laws.
5. Any investment or trading decisions you make based on the Service or AI output.

17. Dispute Resolution, Governing Law, Arbitration, and Class Action Waiver

17.1 Governing Law

These Terms and your use of the Service are governed by the laws of the Nevada, United States, without regard to conflict-of-law principles, and where not prohibited by your rights under applicable law.

17.2 Informal Dispute Resolution

Before filing any claim, you agree to first contact us at hi@StockOptionsAcademy.com and attempt to resolve the dispute informally for 30 days.

17.3 Binding Arbitration

Subject to applicable law, any dispute not resolved informally within 30 days will be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its commercial rules, except that either party may seek injunctive relief in court for IP infringement.

• The arbitration will be conducted in Las Vegas, Nevada, in English.
• Judgment on the award may be entered in any court of competent jurisdiction.

17.4 Class Action Waiver

To the fullest extent permitted by law, you and we agree that each may bring disputes only in your or our individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

17.5 Opt-Out

You may opt out of the arbitration and class-action provisions within 30 days of first accepting these Terms by emailing hi@StockOptionsAcademy.com with the subject "Arbitration Opt-Out."

18. General Provisions

• Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement and supersede all prior agreements regarding the Service.
• Severability: If any provision is unenforceable, the remaining provisions remain in effect.
• Waiver: Failure to enforce any provision is not a waiver.
• Assignment: We may assign these Terms without notice. You may not assign these Terms without our written consent.
• No Third-Party Beneficiaries: These Terms do not create rights for any non-party, except as expressly stated.
• Survival: Sections 1, 2, 5, 7, 10, 11, 14, 15, 16, 17, and 18 survive termination.
• Force Majeure: We are not liable for delays or failures caused by events beyond our reasonable control (e.g., outages, natural disasters, legal changes).

19. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated by a prominent notice in the Service or by email, and the "Last Updated" date above will be revised. Continued use after changes take effect constitutes acceptance. If you do not agree, you must stop using the Service.

20. Contact Us

Questions about these Terms or an order? Contact us at:

• Email: hi@StockOptionsAcademy.com

21. A Note That This Is Not Legal Advice

These documents are provided as a starting template and are not a substitute for professional legal advice. Laws vary by jurisdiction and change over time. You should have these documents reviewed by a qualified attorney before publishing.

Acknowledgment

By creating an account, purchasing Lifetime Access or tokens, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and the Privacy Policy.

Education only. Nothing on this site is financial advice. Options trading involves substantial risk.