Terms & Conditions

Last updated: 2025-09-09

These Terms & Conditions (“Terms”) form a legally binding agreement between [The Pillars of Wealth], (“Company,” “we,” “us,” or “our”) and any person or entity that accesses or uses our websites, applications, dashboards, simulators, tools, content, and related services (collectively, the “Services”). By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Services.

1) Definitions

• Account: A personal or organizational login used to access the Services.
• Content: Any text, data, graphics, video, audio, code, signals, alerts, simulations, backtests, or other materials made available via the Services.
• User Content: Content uploaded or submitted by you or other users.
• Market Data: Any financial, economic, news, corporate actions, pricing, quotes, options chains, or other datasets sourced by us or third parties.
• Third-Party Service: Any non-Company product or service integrated with or linked from the Services (e.g., brokers, crypto exchanges, data vendors, authentication, email providers).

2) Eligibility; Account Registration

1. You must be at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into these Terms.
2. You agree to provide accurate, complete, and up-to-date information and to keep it updated (including a valid email for verification and security notices).
3. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your Account.
4. We may require email verification before enabling access; unverified Accounts may be limited or disabled.
5. We may refuse, suspend, or terminate Accounts at our discretion for any lawful reason, including suspected policy violations or risk concerns.

3) Subscriptions, Trials, and Billing

1. Some features are paid. If you purchase a subscription, you authorize us (and our payment processor) to charge your payment method for the fees and applicable taxes on a recurring basis until you cancel.
2. Subscription terms (price, billing interval, renewal, cancellation, refund eligibility) are shown at checkout and form part of these Terms.
3. Unless stated otherwise, subscriptions renew automatically until cancelled. You can cancel in your Account settings; cancellations take effect at the end of the current billing period.
4. Trials or promotional plans may convert to paid plans unless you cancel before the trial ends.
5. Except where required by law, fees are non-refundable.

4) Educational Use Only — Not Financial Advice (NFA)

We are not a broker-dealer, investment adviser, commodity trading advisor, or fiduciary, and the Services do not provide investment, financial, tax, legal, or accounting advice. All Content is for educational and informational purposes only and is general in nature. You are solely responsible for your investment decisions. You should consult with a qualified, licensed professional who understands your personal circumstances before acting on any information.

• Nothing on the Services constitutes a solicitation, recommendation, endorsement, or offer to buy or sell securities, options, futures, cryptoassets, or other financial instruments.
• Past performance, backtested results, and simulated performance are not indicative of future results. Markets are volatile, and you may lose some or all of your capital.
• We do not assume any fiduciary duty or obligation to act in your best interest.

5) Market Data; No Real-Time Data Guarantee

• No real-time guarantee. Unless explicitly stated, data displayed within the Services is delayed, incomplete, approximated, simulated, or purely illustrative. Timestamps, prices, quotes, greeks, IV, corporate actions, and other fields may be stale, rounded, or missing.
• Data may be sourced from multiple Third-Party Services and/or internal transformations. We do not warrant accuracy, completeness, timeliness, latency, continuity, or availability of Market Data.
• Use of Market Data may be subject to vendor terms. You must have and maintain any required data entitlements (e.g., exchange-level licenses), and you agree not to redistribute data in violation of vendor rules.
• Any “Auto Spot,” “live ticker,” “heatmap,” or similar features are informational and may lag or deviate from executable prices.

6) Simulators, Backtests, and Paper Trading Disclaimer

The Services may include strategy builders, simulators, payoff diagrams, P&L charts, Monte Carlo, Greeks sweeps, IV surface shocks, VaR/CVaR, assignment risk models, backtesting, paper trading, and other analytics. All results are hypothetical and for educational demonstration only. Hypothetical or simulated performance has inherent limitations, may use hindsight, idealized fills, simplified fees/borrowing/dividends, and cannot fully account for market impact, liquidity constraints, slippage, early exercise/assignment, halts, outages, borrow availability, margin calls, taxes, or behavioral factors. No representation is made that any account will achieve profits or losses similar to those shown.

7) No Execution; Broker/Exchange Integrations

• We are not a trading venue. If the Services provide UI integrations to brokers or exchanges, all orders are placed, routed, and executed solely by those Third-Party Services under their terms, fees, risks, and regulatory regimes.
• We do not handle client funds or securities. We are not responsible for execution quality, market access, outages, positions, balances, or statements of any Third-Party Service.
• You are solely responsible for KYC/AML, tax reporting, suitability, regulatory classifications, and compliance with your broker/exchange.

8) High-Risk Products

Options, futures, margin, short selling, and cryptoassets involve substantial risk and are not suitable for all investors. You may lose more than your initial investment. Read all relevant risk disclosures from your broker or exchange. Do not invest money you cannot afford to lose.

9) User Conduct

You agree not to:

• Use the Services for unlawful purposes or to violate any law, regulation, sanctions program, or third-party rights.
• Scrape, harvest, or redistribute Market Data in violation of vendor terms; bypass technical restrictions; reverse engineer; or probe, scan, or test vulnerabilities without permission.
• Upload malware, spam, or infringing/defamatory/abusive content; impersonate others; or interfere with others’ use.
• Share your Account or credentials. You are responsible for all activity under your Account.

10) Intellectual Property

• The Services and all Company Content (including software, UI/UX, logos, text, graphics, data transformations, models, and documentation) are owned by the Company or its licensors and are protected by IP laws.
• Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial, educational purposes.
• Feedback you provide may be used by us without restriction and without compensation.

11) Availability; Changes; Beta Features

• We may modify, suspend, or discontinue any feature at any time without notice. We do not guarantee uptime or uninterrupted access.
• Beta/experimental features may be unstable, inaccurate, or withdrawn at any time.
• We may update these Terms from time to time. If changes are material, we will provide reasonable notice (e.g., via the website or email). Continued use after the effective date constitutes acceptance.

12) Privacy

Please review our separate Privacy Policy to understand how we collect, use, and share personal data. By using the Services, you consent to our data practices described there and to receiving service-related communications (e.g., verification, security alerts). Marketing emails are optional and can be opted out at any time.

13) Third-Party Services and Links

• Third-Party Services are subject to their own terms and privacy policies. We do not control or endorse them and are not responsible for their content, accuracy, or practices.
• Your dealings with Third-Party Services are solely between you and the third party.

14) Disclaimers

THE SERVICES AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, AND NON-INTERRUPTION. WITHOUT LIMITATION:

• We do not warrant that the Services will be error-free, secure, or free of harmful components.
• We do not warrant that Market Data or analytics are accurate, complete, timely, or suitable for any purpose.
• Educational content, simulations, signals, and models may be incomplete, hypothetical, or incorrect.

15) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS; LOST REVENUE; LOST DATA; BUSINESS INTERRUPTION; OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF THE COMPANY FOR ALL CLAIMS RELATING TO THE SERVICES OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO THE COMPANY FOR THE SERVICES IN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) USD $100.

SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS OF LIABILITY FOR CERTAIN DAMAGES; IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

16) Indemnification

You agree to defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in any way connected with (a) your use of the Services; (b) your violation of these Terms; (c) your violation of any law or third-party right; or (d) your User Content.

17) Compliance; Export; Sanctions

• You must comply with all applicable laws, including securities, derivatives, commodities, consumer protection, privacy, tax, anti-money laundering, and sanctions laws.
• You represent that you are not located in, under the control of, or a national or resident of any country or person subject to embargoes or sanctions.
• The Services and underlying software may be subject to export control laws; you agree not to export, re-export, or transfer in violation of such laws.

18) Termination

• You may stop using the Services at any time. We may suspend or terminate your access immediately for any lawful reason, including if you breach these Terms or create risk for other users or the Company.
• Upon termination, your license to use the Services ends. Sections that by their nature should survive (e.g., IP, disclaimers, limitations, indemnity, governing law) shall survive.

19) Governing Law; Venue; Dispute Resolution

These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of [Governing Law: e.g., The Netherlands], without regard to conflict of law principles. You agree to the exclusive jurisdiction and venue of the courts located in [Venue: e.g., Amsterdam, The Netherlands] to resolve any dispute arising from or relating to the Terms or the Services.

If a court finds any provision of these Terms unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

20) Notices; Electronic Communications

By using the Services, you consent to receive notices and communications from us electronically (e.g., via email or in-app). You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirements that such communications be in writing.

21) Miscellaneous

• Entire Agreement. These Terms constitute the entire agreement between you and the Company regarding the Services and supersede all prior or contemporaneous agreements.
• No Waiver. Our failure to enforce a provision is not a waiver of our right to do so later.
• Assignment. You may not assign these Terms without our prior written consent; we may assign them without restriction.
• Force Majeure. We are not liable for any delay or failure due to causes beyond our reasonable control.
• Headings. Headings are for convenience only and have no legal or contractual effect.

22) Contact

Questions about these Terms? Please contact us at tpt.pillarsofwealth@gmail.com

Important Disclosures (Summary)

• Educational Only / NFA: Not investment advice, solicitation, or recommendation.
• No Real-Time Data Guarantee: Data may be delayed, incomplete, simulated, or inaccurate.
• Simulated / Backtested Results: Hypothetical and subject to limitations; not indicative of future results.
• No Execution: Any trading is solely via third-party brokers/exchanges under their terms.
• High Risk: You can lose some or all of your capital; options/crypto/margin may not be suitable for everyone.
• Liability Cap: Our aggregate liability is limited as described above.