Terms of Service

1. Acceptance of Terms

Welcome to Milliloans LLC ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our trading education platform and related services (collectively, the "Service") operated by Milliloans LLC.

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Not a Registered Financial Advisor

3. Educational Nature of Content

EDUCATIONAL PURPOSE ONLY: Our Service provides educational content about trading and investing. This content is for educational purposes only and does not constitute financial advice, investment recommendations, or trading signals.

• You may lose some or all of your invested capital
• Past performance does not guarantee future results
• Market conditions can change rapidly and without warning
• You should consult with a qualified financial advisor before making investment decisions
• We are not responsible for any trading losses you may incur
• We are not licensed financial advisors, investment advisors, or brokers

4. User Accounts

When you create an account with us, you must provide information that is accurate, complete, and current. You are responsible for:

• Safeguarding your password and account information
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring you meet the minimum age requirement (18 years old)

5. Payment and Refunds

Payment Terms

• Subscription fees are due at the time of purchase and on each renewal date
• All prices are in USD unless otherwise stated
• We use Stripe for secure payment processing
• You authorize us to charge your selected payment method for recurring payments
• Monthly subscriptions renew every month, yearly subscriptions renew annually

Subscription Management

• You may cancel your subscription at any time through your account dashboard
• Cancellation will take effect at the end of your current billing period
• No partial refunds will be provided for unused portions of subscription periods
• Access to course content will continue until the end of your paid subscription period

6. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of Milliloans LLC and its licensors. The Service is protected by copyright, trademark, and other laws.

License to Use

We grant you a personal, non-commercial, non-exclusive, non-transferable license to access and use the Service for your personal educational purposes.

Restrictions

You may not:

• Copy, modify, distribute, sell, or lease any part of our Service
• Reverse engineer or attempt to extract the source code
• Share your account credentials with others
• Use the content for commercial purposes without written permission

7. User Conduct

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Transmit any harmful, offensive, or inappropriate content
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to other accounts
• Collect user information without consent
• Use automated systems to access the Service

8. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices regarding the collection and use of your personal information.

9. Disclaimers

The information provided through our Service is for educational purposes only. We are not registered investment advisors, licensed financial advisors, or any other type of licensed financial professionals. We do not provide personalized investment advice or act as a licensed investment advisor. You acknowledge that:

• You are solely responsible for your own trading and investment decisions
• You should seek advice from qualified, licensed financial professionals before making any investment decisions
• You understand the risks involved in trading and investing
• You will not hold us liable for any losses incurred through trading or investing
• We are not licensed by any regulatory body to provide financial advice
• Our content is educational and informational only, not personalized advice

10. Limitation of Liability

In no event shall Milliloans LLC, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

11. Indemnification

You agree to defend, indemnify, and hold harmless Milliloans LLC and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

12. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will cease immediately. If you wish to terminate your account, you may simply discontinue using the Service.

13. Governing Law

These Terms shall be interpreted and governed by the laws of the State of [Your State], without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

14. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

15. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

16. Contact Information

If you have any questions about these Terms of Service, please contact us: