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Legal

Terms of Service

Last updated: [DATE]

1. Agreement

These Terms of Service ("Terms") govern your use of the Investing Mastery Signals website and membership (the "Service"), operated by [LEGAL ENTITY NAME] ("we", "us"). By using the Service you agree to these Terms. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service or buy a membership. [CONFIRM: list any countries or states where the Service is not offered.]

3. What the Service is

The Service provides general, impersonal research, including rules-based signals, research notes and briefings, published in the same form to all members. The Service is for educational and informational purposes only and is not financial, investment, tax or legal advice. Our Disclaimer and Risk Disclosure form part of these Terms.

4. Accounts and access

You are responsible for your account and for keeping your login details secure. Membership is personal to you. You may not share, resell, republish, screenshot for distribution, or otherwise redistribute member content without our written permission. [CONFIRM sharing policy.]

5. Subscriptions and billing

  • Memberships are billed in advance on a recurring basis ([BILLING PERIOD]) until cancelled.
  • Payments are processed by [PAYMENT PROCESSOR]. You authorize us and our processor to charge your payment method for each billing period.
  • Prices are shown in [CURRENCY] and may exclude applicable taxes.

6. Cancellation and refunds

  • You can cancel at any time by [CANCELLATION STEPS].
  • After cancelling, access continues until [ACCESS AFTER CANCEL].
  • Refunds: [REFUND POLICY].

7. Price changes

We may change membership prices. We will give you notice of [NOTICE PERIOD] before a price change applies to your membership, and you may cancel before it takes effect.

8. Intellectual property

All content in the Service, including signals, research, text, graphics and software, is owned by us or our licensors and protected by intellectual property laws. We grant you a limited, personal, non-transferable, revocable license to access the content for your own non-commercial use while your membership is active.

9. Acceptable use

You agree not to: copy or redistribute member content; use the Service for any unlawful purpose; attempt to access systems or accounts without authorization; scrape or automatically collect content; or interfere with the Service or other members.

10. Third-party platforms

Member content may be delivered through third-party platforms such as [DISCORD/TELEGRAM/EMAIL PROVIDER]. Your use of those platforms is governed by their own terms, and we are not responsible for their availability or conduct.

11. Disclaimer of warranties

The Service is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, fitness for a particular purpose and non-infringement. We do not warrant that the Service will be uninterrupted or error-free.

12. Limitation of liability

To the fullest extent permitted by law, we are not liable for any investment losses or for any indirect, incidental, special, consequential or punitive damages arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the amount you paid us in the [12] months before the claim arose. [CONFIRM WITH ATTORNEY]

13. Indemnity

You agree to indemnify us against claims, losses and expenses arising from your breach of these Terms or misuse of the Service.

14. Suspension and termination

We may suspend or end your access if you breach these Terms, including by sharing member content. You may stop using the Service at any time.

15. Governing law and disputes

These Terms are governed by the laws of [STATE / COUNTRY]. [DISPUTE RESOLUTION: courts or arbitration, venue, class-action waiver if any. CONFIRM WITH ATTORNEY.]

16. Changes to these Terms

We may update these Terms. If a change is material, we will give notice before it takes effect. Continuing to use the Service after that means you accept the updated Terms.

17. Contact

[LEGAL ENTITY NAME], [ADDRESS]. Email: [EMAIL].