Terms of Service

Document: Terms of Service · Version: 1.0.0 · Effective date: 2026-08-20

Companion documents, incorporated by reference — and where each one is published:

DocumentPublished at
Refund & Cancellation Policy/refund-policy (also in the site footer)
Privacy Policy/privacy (also in the site footer)
Risk Disclosure & Trading Disclaimer/disclaimer (also in the site footer)
Course & Content Licence/course-license
Cookie Notice/cookie-notice
Discount & Promotion Terms/discount-terms
Acceptable Use Policy/acceptable-use

1. About these Terms

1.1 These Terms of Service ("Terms") are a binding agreement between you and Money Trading Academy LLC, a limited liability company organized under the laws of New Jersey, with its registered address at 597 E 30th St, Paterson, NJ 07513, USA ("MTA," "we," "us"). MTA operates Money Trading Academy at moneytradingacademy.com (the "Site").

1.2 By creating an account, submitting an application, purchasing a product, or otherwise using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1.3 The documents listed above are part of these Terms. Where a companion document conflicts with these Terms, the companion document controls for its own subject matter (for example, Refund & Cancellation Policy controls on refunds).

1.4 The disclaimer in Risk Disclosure & Trading Disclaimer is a material part of this agreement. Read it before you buy anything.

1.5 These Terms are a versioned document. The version shown above is the version you are reading. Section 24 explains how versions work and which version governs a given purchase.

1.6 Nothing outside these documents changes them. No statement by MTA, an instructor, a staff member, a student, or anyone else — in a Live Session, in an email, in a message, in a community group, on social media, or in marketing — adds to, varies, or overrides these Terms or any companion document. Only a published new version does that (section 24).

2. Definitions

2.1 "Course" — an educational program sold by MTA. A Course is either:

  • an admission-based Course, taught in scheduled Classes with staff-reviewed admission and content released item by item on a published schedule; or
  • an open Course, a self-paced product with no Class, no schedule and no admission step, bought in-Site by a user who already has Site access.

2.2 "Class" — one scheduled run (cohort) of an admission-based Course, with its own start date, price and capacity. Only admission-based Courses have Classes.

2.3 "Seat" — your enrollment in one specific Class. A Seat is created only by an MTA staff action (admitting your Class application, or adding you to a Class directly). A Seat never exists without a Class, and cannot be created by you.

2.4 "Gate ①" — MTA's review of your application for Site access (account level). "Gate ②" — MTA's review of your application for admission to a particular Class. They are separate reviews; passing Gate ① does not admit you to any Class.

2.5 "Block" — MTA's revocation of your Site access for a violation of these Terms.

2.6 "Live Session" — a live, scheduled online session delivered over Zoom, including Class teaching sessions and (where included in a product you hold) the Live Daily Analysis. A Live Session is a one-way broadcast: the instructor presents, and attendees do not speak. MTA does not operate participant audio, a live question-and-answer segment, or any channel inside a session through which MTA responds to an individual attendee.

2.7 "Membership" — MTA's recurring subscription product, described in section 12.

2.8 "Materials" — all content MTA makes available to you, including PDFs, written materials, recordings, videos, slides, spreadsheets, indicator software, and anything shown or said in a Live Session.

3. Eligibility — you must be 18 or older

3.1 The Site and all MTA products are for adults aged 18 or older. By applying, you represent that you are at least 18 years old.

3.2 We collect your date of birth at sign-up and use it to enforce this requirement. An application that states a date of birth indicating you are under 18 is rejected at the profile-form step and is not reviewed.

3.3 Supplying a false date of birth to pass the age check is a violation of these Terms (see section 4.4) and grounds for a Block under section 16.

3.4 If we learn that a Site user is under 18, we will terminate the account. Deletion of the associated personal data is handled under Privacy Policy.

3.5 MTA products are offered to customers in the United States. We do not represent that the Site or any product is appropriate or available in any other jurisdiction.

4. Your account

4.1 You sign in with Google or with an email address and password. MTA may require an additional authentication step — for example a second factor — at any time, for any account or class of account, and may change the sign-in methods it supports.

4.2 One person, one account. You may not create more than one account, and you may not create an account on behalf of another person. If you already have an account, use it — do not apply again.

4.3 You are responsible for everything done through your account. Keep your credentials and your second factor secret. Do not share your login with anyone. Tell us promptly at moneytradingacademy.infra@gmail.com if you believe your account has been accessed by someone else.

4.4 Your information must be true and complete. You agree that everything you submit in your application and profile — name, email address, phone number, date of birth, and any optional information — is accurate and complete, and that you will keep it up to date. Submitting false, misleading or incomplete information is a violation of these Terms. It is grounds for denial of your application, and for a Block under section 16 — which means losing access to all Materials and products you hold that are not eligible for a refund under Refund & Cancellation Policy.

5. Applying for Site access (Gate ①)

5.1 Site access is granted only after MTA reviews your application. Signing in does not grant access: until MTA approves your application, your account is pending and you can reach nothing beyond the pending screen.

5.2 MTA reviews applications at its discretion, and is not obliged to approve any application. We will tell you the outcome by email.

5.3 If your application is denied, section 16 applies (the ground, the notice, and the appeal route).

5.4 Approval of Site access gives you an account. It does not give you a Seat in any Class, and it does not entitle you to any Course or Live Session. Those require a separate purchase and, for an admission-based Course, admission to a Class under section 6.

6. Getting into a Class (Gate ②)

HOW THIS WORKS TODAY. The Site does not currently have a self-service "apply to this Class" control. Signed-in users can see the Classes MTA has published — their start dates, prices, and whether they are full — but a Seat is created only by an MTA staff action (section 6.6). The application route in 6.1–6.5 is drafted for the self-service flow and is not in operation. Until it is, arrange a Seat by contacting moneytradingacademy.infra@gmail.com.

6.1 Where MTA offers it, you may apply inside the Site to a Class that is listed and open. Each Class application is reviewed separately.

6.2 Applying to a Class does not guarantee a Seat, and neither does asking for one. Admission is at MTA's discretion. Nothing in these Terms obliges MTA to admit you to any Class, to run any particular Class, or to give you a reason for a decision beyond the one section 16.2 requires.

6.3 If you are admitted, MTA creates your Seat and you will be prompted to pay. Payment is a separate step, and content is not released until payment completes (see section 9 and section 10.4).

6.4 If you are not admitted, you keep your Site access and may apply to another Class. Not being admitted to a Class is a capacity or timing decision; it is not a Block and carries no other consequence.

6.5 You may have only one pending application per Class at a time.

6.6 MTA may add you to a Class directly, without an application — for example for a private or special-price Class, if you join after a Class has closed to applications, or, while section 6.1 is not in operation, as the ordinary way a Seat is created. In that case sections 9, 10 and 13 apply in the same way, including the late-joiner rule in section 13.6.

7. Class capacity and scheduling — at MTA's discretion

7.1 Classes have limited capacity. MTA sets and changes the capacity of each Class at its discretion, at any time, including after the Class has started and including in order to seat one more student. When a Class is full it is shown as sold out.

7.2 "Sold out" means full at that moment, not closed. It is not a promise that the Class will not grow, and it does not oblige MTA to keep any Class at any size. There is no waitlist, MTA does not hold a place for anyone, and the order in which people ask does not create any priority.

7.3 MTA sets each Class's start date, length, schedule, price and visibility, and may change them before the Class starts. Section 17 governs changes after a Class has started.

7.4 Applying to a Class is not a purchase and creates no payment obligation. You owe nothing until you are admitted and choose to pay.

8. Education only — MTA does not give financial advice

8.1 MTA sells education and market commentary. Nothing MTA provides is financial, investment, trading, legal, tax or accounting advice, and nothing MTA provides is a recommendation to buy or sell any instrument.

8.2 Trading futures involves substantial risk of loss and is not suitable for everyone. You can lose more than you deposit. Past results do not indicate future results. MTA does not guarantee any result, profit, or level of performance.

8.3 Every trading decision you make is your own, taken on your own analysis and at your own risk.

8.4 No advisory, fiduciary or professional relationship arises between you and MTA from buying a product, attending a Live Session, using the indicator, or communicating with MTA staff. MTA is not your adviser, broker, or fiduciary, and owes you no duty of suitability, care or loyalty in respect of your trading.

8.5 NO RELIANCE. You agree that you are not relying, and will not rely, on MTA's education, commentary, levels, opinions or indicator output as the basis for any trading or financial decision, and that you will form your own judgment and take your own advice. This acknowledgement is a material part of the bargain, and MTA sells at the prices it does because of it.

8.6 The full disclaimer is Risk Disclosure & Trading Disclaimer, and it is incorporated into these Terms. By using the Site you confirm you have read it.

9. Prices, payment and taxes

9.1 Prices are shown before you pay. The price of a Course is set per Class, so the same Course may be offered at different prices to different Classes.

9.2 How you pay.

CARD CHECKOUT IS NOT YET IN OPERATION. There is no card payment page on the Site today. MTA arranges payment with you directly, by a method MTA tells you at the time, and MTA's staff then record your payment against your Seat. Everything in these Terms about what a payment buys, and every refund rule, applies to a payment made that way exactly as it would to a card payment.

9.2.1 When card checkout is in operation, payments will be processed by Stripe, MTA will be the merchant of record, and MTA will not receive or store your full card number — card data will go directly to Stripe. See Privacy Policy section 8.

9.2.2 However you pay, MTA records the amount, the date, the product, and the version of these Terms in force at that moment (section 24.6).

9.3 The amount payable is the amount MTA states, and MTA's own records of what you paid govern. Where a checkout is used, the charge is set by MTA's server, not by your browser. If you are ever shown or charged an amount you did not expect, contact moneytradingacademy.infra@gmail.com — do not attempt to alter it.

9.4 You must use a payment method you are authorized to use. You authorize MTA and Stripe to charge it for the amounts you agree to.

9.5 Prices are in US dollars unless stated otherwise, and are exclusive of tax unless stated otherwise. Where MTA is required to collect sales or similar tax, it will be added at checkout and shown before you pay.

9.6 Discount codes are governed by Discount & Promotion Terms.

9.7 Where a purchase confirmation, receipt or acknowledgement is sent to you by email, it forms part of the record of your purchase.

10. Course access and content licence

10.1 A Course purchase buys you a personal licence to use the Materials, not ownership of them and not the right to distribute them. The full licence — what you may and may not do — is Course & Content Licence.

10.2 Format. Written Course Materials are currently delivered as PDF documents made available in your account, together with Live Sessions under section 11. MTA may change the format of any Materials (for example adding video) at its discretion.

10.3 Scheduled release. A Course is an ordered sequence of items — Live Sessions and Materials interleaved — and a Class gives each item its own scheduled date and time (Eastern Time). An item becomes available when its scheduled time passes, and not before. The schedule belongs to the Class, not to you: it is not measured from the date you joined or paid, and paying does not release everything at once. If you join after a Class has started, the items already released become available to you immediately and you then follow the same schedule as the rest of the Class.

10.3.1 You may see the whole schedule, including items not yet released — what is coming and when. Being able to see that an item is scheduled is not access to it.

10.3.2 MTA may change any scheduled date at its discretion, before or after a Class starts.

10.4 Access to Materials requires all of: an approved account, a Seat in that Class, payment completed for that Seat, and the Material's scheduled release date having passed. Open Courses require only an approved account and payment.

10.5 View-only. Materials are provided for your own personal study. You may not share, redistribute, resell, publish, post, sublicense or otherwise make Materials available to anyone else, and you may not record or re-transmit a Live Session. See Course & Content Licence and Acceptable Use Policy.

10.6 MTA may restrict or withdraw your access to Materials where it identifies misuse, including copyright violation, piracy, or unlawful distribution. See Course & Content Licence section 6.

10.7 Access duration — no promise of permanent access. MTA currently makes purchased Course Materials available for an indefinite period, but MTA expressly reserves the right to limit access to the period of the Class plus a grace period, or otherwise to time-box access, at its discretion. Nothing in these Terms promises lifetime, perpetual or permanent access. MTA will give reasonable notice before applying such a limit to a Course you have already bought.

10.8 If MTA ceases operating the Site or the business, MTA may, at its discretion, make Materials available to customers who bought them. This is a right MTA reserves, not an obligation it undertakes, and you should not rely on it.

11. Live Sessions

11.1 Classes are taught live over Zoom, on the dates and at the times published for that Class (all times Eastern Time). You will need Zoom and a suitable internet connection; those are your responsibility and at your cost. MTA does not supply, support or warrant Zoom, and MTA is not responsible for its availability, its terms, or anything it does with the information it processes when you join (see Privacy Policy section 8).

11.1.1 A LIVE SESSION IS A ONE-WAY BROADCAST. The instructor presents; attendees do not speak. There is no participant audio, no live question-and-answer segment, and no channel inside a session through which MTA answers an individual attendee. The same content reaches every attendee. This is deliberate and is not a limitation MTA will lift on request — see Risk Disclosure & Trading Disclaimer sections 3 and 7.

11.2 Your Live Session access is personal to you. Do not share a join link, and do not admit anyone else using your access.

11.3 Do not record, transcribe, stream or re-transmit a Live Session, in whole or in part, without MTA's prior written permission. MTA may record its own sessions and may make a recording available at its discretion; no recording is promised.

11.4 MTA may cancel, reschedule, shorten, suspend, modify, limit or discontinue any Live Session or the schedule of Live Sessions, at its discretion. Reasons include (without limitation) personal reasons of the instructor, illness, technical difficulties, third-party platform outages, natural disasters, ongoing world events, and business pauses such as holidays. MTA will notify affected users of the cancellation and its reason by email or in the Site.

11.5 A cancelled, rescheduled or shortened Live Session does not by itself entitle you to a refund. Refund eligibility is governed solely by Refund & Cancellation Policy.

11.6 Live Sessions are subject to Acceptable Use Policy. MTA may remove any participant from a session.

11.7 IF MTA CANCELS A CLASS OUTRIGHT — YOUR SOLE AND EXCLUSIVE REMEDY. If MTA cancels a Class before delivering it, or abandons a Class part-way through and does not deliver the rest of it, MTA will, at its option, either (a) refund the amount you actually paid for that Seat in full, or (b) transfer your Seat to another run of the same Course at no further charge. That is your sole and exclusive remedy, and it is MTA's entire liability, for a cancelled or undelivered Class. MTA is not liable for anything else arising from the cancellation — including travel, time, equipment, subscriptions, data feeds, lost opportunity, or any trading outcome.

12. Membership subscription

PLANNED PRODUCT — NOT YET SOLD THROUGH THE SITE. This section is drafted ahead of launch of the recurring Membership. The disclosure UI at checkout matters as much as this wording — see the blocking checklist in ../01-product/subscription-and-pricing.md.

12.1 What it is. The Membership is a single, all-inclusive subscription giving access to the Live Daily Analysis and the Money Level Signal indicator licence. The Membership does NOT include one-on-one or individualised sessions, coaching, or per-subscriber signals of any kind. MTA does not offer them, has never offered them, and does not plan to — see Risk Disclosure & Trading Disclaimer section 2.2.1. The Membership does not include any Course; Courses are bought separately.

12.2 Price and billing period. The Membership costs $150 per month, charged in advance. An annual plan may be offered at a different price. The price and billing period in force are shown at checkout before you pay.

12.3 AUTOMATIC RENEWAL. Your Membership renews automatically at the end of each billing period and MTA will charge your payment method the then-current price for each new period, until you cancel. This is disclosed to you clearly and conspicuously, next to the payment button, before you are charged, together with the price, the billing period, and how to cancel.

12.4 Your consent to recurring charges. Before your first charge you must give separate, affirmative consent to recurring billing — a distinct, unticked checkbox, separate from your acceptance of these Terms and separate from any marketing opt-in. MTA records that consent in the same way it records your acceptance of these Terms (section 19.3).

12.5 Acknowledgement. After you subscribe, MTA sends you an email restating the price, the billing period, the automatic renewal, and how to cancel.

12.6 How to cancel. You can cancel at any time, yourself, from your account in the Site — in no more steps than it took to subscribe. No phone call, no email to support, and no retention interview is required.

12.7 CANCELLATION ENDS YOUR ACCESS IMMEDIATELY. When you cancel, your Membership access stops at once. There is no grace period, and you do not keep access for the remainder of the period you have paid for. Amounts already paid are not refunded or pro-rated — see Refund & Cancellation Policy section 12. This is disclosed before you subscribe and before you confirm cancellation.

12.8 Failed payments. If a renewal payment fails, MTA may retry it and may suspend or end your Membership access.

12.9 Price and content changes. MTA may change the Membership price or what it includes. Any change is notified in advance and takes effect from your next renewal, never retroactively within a period you have already paid for. Section 24 governs how notice is given.

12.10 Cancelling the Membership does not affect a Course you have bought. A Course is a separate, one-time purchase.

13. Refunds and cancellation

The refund policy is Refund & Cancellation Policy. This section states the rule so it also appears in the Terms; the two must always say the same thing.

13.1 One rule, and it does not depend on who ends the relationship. The same conditions apply whether you ask to leave or ask for a refund, or MTA removes you from a Class or Blocks your account.

13.2 Admission-based Course (a Course with Classes). Your purchase is refundable only if MTA receives your request, or MTA removes you, within 14 days of the Class's start date.

13.3 The 14 days run from the CLASS START DATE — not from the date you joined, were admitted, or paid.

13.4 Open Course (self-paced, no Class). Your purchase is refundable only if you have consumed less than 25% of the Materials, measured by MTA's own server-side records of your progress. MTA's server-side records govern for this purpose; progress reported by your browser or device is not used. You can see your own progress in your account at any time. What counts as "consumed" is defined in Refund & Cancellation Policy section 4.5 — and note that opening an item records it as completed and cannot be undone, so check your progress before you open anything further.

13.5 Full refunds only. A refund is the whole amount you paid, or nothing. MTA does not give partial or pro-rata refunds.

13.6 LATE JOINERS — YOU MAY HAVE NO REFUND RIGHT AT ALL. Because the window in 13.2 runs from the Class start date, a student who joins a Class after it has started has less than 14 days of the window remaining — and a student who joins more than 14 days after the Class start date has no refund right at all. For example, a student seated in week 5 of a 10-week Class is already past day 14 and their purchase is non-refundable from the moment it is made. By applying to, and paying for, a Class that has already started, you acknowledge and agree that your purchase may be entirely non-refundable. This is also shown to you, and separately acknowledged by you, at the point of payment.

13.7 Outside the conditions in 13.2 and 13.4 no refund is given, and MTA may still remove your Seat or your access where these Terms allow it.

13.8 Refunds are paid by returning the money the way it came to MTA — to the original payment method, or by the reverse of whatever method you used to pay. See Refund & Cancellation Policy sections 9 and 10.

13.9 Membership cancellation and refunds are governed by section 12 and Refund & Cancellation Policy section 12.

13.10 The refund terms that apply to a purchase are the terms in force when you paid (section 24.6). A later change to this policy does not change a purchase you already made.

14. Discount codes

NOT YET IN OPERATION. The Site has no discount-code system today — no code entry field and no checkout to enter one into. Where MTA offers a reduced or special price, staff set that price on your Seat directly. Discount & Promotion Terms governs codes if and when they exist, and section 8 of that document (complimentary and special-price access) applies now.

14.1 Discount codes are governed by Discount & Promotion Terms.

14.2 In summary: codes are personal to the recipient, non-transferable, have no cash value, may be restricted to a specific Class, and may be withdrawn or deactivated by MTA at any time. Using a code you were not given, or using a Class-specific code for a different Class, is a violation of these Terms.

15. Acceptable use

15.1 Your use of the Site, the Materials and the Live Sessions is subject to Acceptable Use Policy, which is part of these Terms.

15.2 A violation of Acceptable Use Policy is a violation of these Terms and is therefore grounds for the actions in section 16.

16. Denial, suspension and termination

16.1 THE ONLY GROUND. MTA denies an application, suspends access, or Blocks an account only for a violation of these Terms (which include the companion documents listed at the top of this document). MTA does not deny or terminate access on any other ground.

16.2 Notice. MTA will notify you by email when your application is denied or your access is suspended or Blocked.

16.3 Appeal. You may contact support at moneytradingacademy.infra@gmail.com for more information and to appeal. MTA will review an appeal and respond. MTA may reinstate access at its discretion.

16.4 Effect on Site access. A Block revokes your access to the Site. Your Seats in Classes are released, so those places return to the Class.

16.5 YOUR PURCHASES ARE RETAINED. A Block does not destroy or cancel what you have bought. Products you purchased remain recorded on your account, and if your access is reinstated, MTA restores them. MTA does not delete your records; it changes their status.

16.6 Refund on termination — only under the refund policy. Being Blocked or removed does not by itself entitle you to a refund, and does not by itself deprive you of one. The conditions in section 13 and Refund & Cancellation Policy are the only test, and they are the same whether you left or MTA removed you.

16.7 Class Seats are not resurrected. If your access is reinstated, you get your purchased products back, but not your former place in a Class. You may apply to a Class again, or MTA may add you to one.

16.8 Removal from a Class is different from a Block. MTA may remove you from one Class — for example where you hold an unpaid Seat, or where you asked to leave — without affecting your Site access. Removal from a Class frees that Seat; refund eligibility is again governed by section 13.

16.9 You may stop using the Site at any time, and may ask MTA to close your account by writing to moneytradingacademy.infra@gmail.com. Closing your account does not by itself create a refund right.

16.10 Sections that by their nature should survive termination do survive it — including sections 1.6, 8, 13, 16.5, 18, 19.3, 20, 21, 22, 23, 24.6 and 25 — and they survive whether your access ended because you left, because MTA Blocked you, or because MTA stopped offering the product.

17. Reservation of rights and service availability

17.1 MTA may cancel, reschedule, suspend, modify, limit or discontinue any part of the Site, any product, any Live Session, any Class, or any Material, at its discretion, including for personal reasons, illness, technical difficulties, third-party platform or vendor failures, security incidents, natural disasters, ongoing world events, and business pauses such as holidays. Where a change affects you, MTA will notify you and give the reason.

17.2 THE SITE AND ALL PRODUCTS ARE PROVIDED "AS IS" AND "AS AVAILABLE." MTA DOES NOT GUARANTEE THAT THE SITE, ANY LIVE SESSION, OR ANY MATERIAL WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, and MTA is not liable for interruptions, delays, outages or loss of access, including those caused by third-party services such as Zoom, Stripe, Supabase, Vercel or your own equipment or connection.

17.3 MTA may impose and change reasonable technical limits — rate limits, download limits, concurrent-session limits and similar — to protect the service and its users.

17.4 MTA may change or discontinue a product for new customers at any time without affecting what you have already bought, subject to section 10.7.

18. Intellectual property

18.1 MTA (or its licensors) owns the Site, the Materials, the Money Level Signal indicator, the methodology behind it, the MTA name and logo, and everything else MTA provides. Nothing in these Terms transfers ownership of any of it to you.

18.2 You receive only the limited licences expressly granted in Course & Content Licence and section 12. All other rights are reserved.

18.3 You may not copy, modify, translate, reverse-engineer, decompile, disassemble, or create derivative works from anything MTA provides, except to the extent that restriction is unenforceable under applicable law.

18.4 Feedback. If you send MTA suggestions or feedback, MTA may use them without restriction and without owing you anything. You are not obliged to send feedback.

18.5 Copyright complaints. If you believe material on the Site infringes your copyright, contact moneytradingacademy.infra@gmail.com with the information required by 17 U.S.C. §512(c)(3).

19. Privacy and data

19.1 What MTA collects and why is described in Privacy Policy; cookies are described in Cookie Notice.

19.2 MTA records your progress through Course Materials on its servers. A lesson is recorded as completed when you open it; a quiz when you submit it (whether or not you pass). Live Sessions are not recorded as completed either way, because MTA does not track attendance. Progress records are append-only — MTA adds to them and does not remove or rewrite them. Progress is used to show you where you are, to support you, and — for an open Course — to determine refund eligibility under section 13.4. MTA's server-side records are authoritative for that purpose, and progress reported by your browser, your device, or you is not used.

19.3 MTA records your acceptance of these Terms — the version, a content hash of the exact text shown to you, the server timestamp, your IP address, your browser user-agent, and which screen collected it. This is how MTA can show what you agreed to and when. You can view the versions you accepted from your account.

19.4 MTA sends you transactional email about your account, applications, purchases, Classes and Live Sessions. This is part of the service and is not marketing; you cannot opt out of it while you hold an account, because it is how MTA gives you notice (section 25.6).

19.5 MTA does not currently send marketing email, and the Site has no marketing sign-up. If MTA starts, it will be on a separate, optional opt-in that is never pre-ticked and never bundled with your acceptance of these Terms, and you will be able to withdraw it at any time. See Privacy Policy section 15.

19.6 MTA keeps internal records about your account — including staff notes on an application, admission or enforcement decision, and an append-only log of the staff actions taken on it. These are MTA's own business records, kept so that decisions, appeals and disputes can be reviewed. You may ask for them under Privacy Policy section 12, subject to the limits stated there.

19.7 MTA hosts no content you upload. The Site has no file, image, avatar or message upload of any kind, and no user-to-user posting. Nothing you can do on the Site publishes anything to anyone else.

20. Disclaimer of warranties

20.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE, THE MATERIALS, THE LIVE SESSIONS, THE MONEY LEVEL SIGNAL INDICATOR AND ALL OTHER MTA PRODUCTS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.

20.2 MTA DOES NOT WARRANT THAT ANY EDUCATIONAL CONTENT, ANALYSIS, OPINION, MARKET LEVEL, ZONE, SIGNAL OR INDICATOR OUTPUT IS ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR YOU, AND DOES NOT WARRANT ANY TRADING OR FINANCIAL RESULT. See Risk Disclosure & Trading Disclaimer.

20.3 No advice or information, whether oral or written, obtained from MTA creates any warranty not expressly stated here.

20.4 Some jurisdictions do not allow the exclusion of certain warranties. In those jurisdictions the exclusions above apply only to the extent permitted, and you may have additional rights.

21. Limitation of liability

21.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, MTA AND its owners, officers, employees, instructors and contractors WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST TRADING GAINS, TRADING LOSSES, LOST REVENUE, LOST DATA, LOST GOODWILL, OR COST OF SUBSTITUTE SERVICES, however caused and on any theory of liability, even if MTA has been advised of the possibility.

21.2 TRADING LOSSES ARE EXPRESSLY EXCLUDED. MTA IS NOT LIABLE FOR ANY LOSS YOU INCUR FROM TRADING OR FROM ANY DECISION YOU MAKE, whether or not informed by MTA's education, analysis, indicator or opinions.

21.3 MTA'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SITE OR ANY PRODUCT IS LIMITED TO THE AMOUNT YOU ACTUALLY PAID MTA IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, AND IF YOU PAID MTA NOTHING IN THAT PERIOD, TO USD $100. THIS IS AN AGGREGATE CAP ACROSS ALL CLAIMS, NOT A CAP PER CLAIM, and it applies however the claim is framed — contract, warranty, tort, negligence, misrepresentation, statute, or anything else.

21.3.1 EXCLUSIVE REMEDY. Where these Terms or Refund & Cancellation Policy give you a specific remedy — a refund, a transferred Seat (section 11.7), a corrected charge — that remedy is your sole and exclusive remedy for the matter it addresses, and is in place of, not in addition to, any other claim.

21.4 Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions MTA's liability is limited to the maximum extent permitted by law, and the limits above may not apply to you. Nothing here limits liability that cannot lawfully be limited, including for fraud or willful misconduct.

21.5 The limits in this section apply even if a remedy fails of its essential purpose, and are an essential basis of the bargain between you and MTA.

22. Indemnification

22.1 You will indemnify, defend and hold harmless MTA and its owners, officers, employees, instructors and contractors from and against any claim, demand, loss, liability, damage, cost and expense (including reasonable attorneys' fees) arising out of or relating to:

  • 22.1.1 your breach of these Terms or of any companion document;
  • 22.1.2 your sharing, copying, distribution or other misuse of the Materials;
  • 22.1.3 your trading or financial decisions, and any loss you or anyone else incurs from them;
  • 22.1.4 your use of MTA's education, analysis or indicator to advise, signal or trade for any other person;
  • 22.1.5 any false or incomplete information you gave MTA;
  • 22.1.6 anything you say to, or do to, another student — including in any community group MTA operates or hosts, and including anything another person does after relying on it; and
  • 22.1.7 your violation of any law or of anyone else's rights.

22.2 MTA may take over the defense of any such claim at your expense, and you will not settle it in a way that imposes any obligation on MTA without MTA's written consent.

23. Dispute resolution, governing law and venue

23.1 Governing law. These Terms and any dispute arising out of them or out of your use of the Site are governed by the laws of the State of New Jersey, excluding its conflict-of-laws rules, and by applicable US federal law.

23.2 Informal resolution first — 60 days. Before starting arbitration or any other proceeding, you and MTA agree to try to resolve the dispute informally for 60 days. The party raising the dispute sends a written notice to the other (to moneytradingacademy.infra@gmail.com for MTA) describing the dispute and the relief sought. Both parties will engage in good faith. The 60-day period is a condition precedent to arbitration, and any limitation period is tolled while it runs.

23.3 Binding arbitration. If the dispute is not resolved within 60 days, it will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by this section.

23.4 Fees. The AAA Consumer Arbitration Rules cap the consumer's filing fee and place the balance of the administrative and arbitrator fees on the business. MTA will pay the fees the applicable rules allocate to it, and will not seek its attorneys' fees from you unless the arbitrator finds your claim was frivolous or brought for an improper purpose.

23.5 Where. Arbitration will be conducted by document submission, by telephone or video, or — if an in-person hearing is held — in Passaic County, New Jersey, or a location the parties agree on, or a location the arbitrator determines is reasonably convenient for you.

23.6 Small-claims carve-out. Either party may instead bring an individual claim in small-claims court if it qualifies for that court and stays there. This section does not prevent that.

23.7 Injunctive-relief carve-out for intellectual property. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation or violation of its intellectual property or confidential information — for example, MTA seeking to stop the distribution of Course Materials — without first completing sections 23.2 or 23.3.

23.8 CLASS-ACTION WAIVER. YOU AND MTA AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

23.9 JURY-TRIAL WAIVER. TO THE EXTENT ANY DISPUTE IS HEARD IN COURT RATHER THAN IN ARBITRATION, YOU AND MTA EACH WAIVE ANY RIGHT TO A TRIAL BY JURY.

23.10 Severability of this section. If section 23.8 is found unenforceable as to a particular claim or a particular request for relief, that claim or request will be severed and heard in the courts identified in section 23.11, and the remainder of this section will continue to apply to all other claims.

23.11 Court venue for anything not arbitrated. For any dispute not subject to arbitration, you and MTA consent to the exclusive jurisdiction of the state and federal courts located in Passaic County, New Jersey, and waive any objection to venue there.

23.12 One year to bring a claim. Any claim must be brought within one year after it arises, or it is permanently barred, except where applicable law does not permit that limit.

24. Changes to these Terms

24.1 Every version of these Terms is a permanent, immutable record. MTA stores the full text of each published version, together with a SHA-256 hash of that text, its version identifier, its publication date and its effective date. Versions are never edited in place and never deleted — a change creates a new version.

24.2 MTA maintains a public changelog listing, for each version, its identifier, its effective date, a plain-language summary of what changed, whether the change was material, and a link to the full archived text of that version.

24.3 Cosmetic changes — typos, formatting, contact details, non-substantive clarifications — take effect on publication, with a changelog entry. No notice and no re-acceptance.

24.4 Material but neutral or favourable changes — clarifications, new features, expanded user rights — are notified to you by email and an in-Site banner at least 30 days before they take effect, with the effective date stated. If you continue to use the Site after the effective date, you accept the new version.

24.5 Materially adverse changes — including tightened refund terms, new or increased prices or fees, a narrowed content licence, new grounds for termination, expanded use of your data, changes to the limitation of liability, and any change to section 23 (arbitration, class-action or jury waivers) — are notified to you by email at least 30 days before they take effect, and then require your affirmative acceptance. You will be asked to accept the new version at your next sign-in and cannot continue without accepting. MTA will ask only the users the change actually affects.

24.6 THE VERSION IN FORCE WHEN YOU PAID GOVERNS THAT PURCHASE. A completed one-time purchase — a Course or a Class — is governed by the version of these Terms and of Refund & Cancellation Policy in force at the time of payment. A later change cannot reach back and alter the terms of a purchase you already made, including its refund terms.

24.7 For the recurring Membership, a material change takes effect from your next renewal after proper advance notice, never retroactively within a period already paid for (section 12.9).

24.8 You can see every version you accepted, and the exact text you accepted, from your account.

25. General

25.1 Entire agreement. These Terms and the companion documents are the entire agreement between you and MTA about the Site and MTA's products, and replace any earlier understanding on the same subjects. You are not relying on any statement, promise, representation or assurance that is not written in them — including anything said in a Live Session, in marketing, in a message, or by a member of staff (section 1.6). Nothing in this clause limits liability for fraudulent misrepresentation.

25.2 Severability. If any provision is found unenforceable, it is modified to the minimum extent needed to make it enforceable, or severed, and the rest remains in force. Section 23.10 governs severance within section 23.

25.3 No waiver. MTA's failure to enforce a provision is not a waiver of it.

25.4 Assignment. You may not assign or transfer these Terms, your account, your Seat, or any licence, to anyone. MTA may assign these Terms to a successor in connection with a merger, acquisition or sale of assets.

25.5 Force majeure. Neither party is liable for a failure to perform caused by an event beyond its reasonable control, including natural disasters, war, civil unrest, epidemic, government action, utility or internet failure, and third-party platform outages.

25.6 Notices and electronic communications. MTA gives notice by email to the address on your account and/or by posting in the Site; you give notice to moneytradingacademy.infra@gmail.com. You consent to receive communications, agreements, notices and disclosures from MTA electronically, and agree that electronic records and signatures satisfy any requirement that they be in writing. Keep your email address current — notice sent to a stale address is still effective.

25.7 Relationship. Nothing here creates a partnership, joint venture, employment, agency or fiduciary relationship between you and MTA. MTA is not your adviser, broker, or fiduciary — see Risk Disclosure & Trading Disclaimer.

25.8 No third-party beneficiaries. These Terms benefit only you and MTA.

25.9 Headings. Headings are for convenience and do not affect interpretation.

25.10 Language. These Terms are made in English; an English version controls over any translation.

25.11 Community groups. Where MTA operates or hosts a group for its members to talk to each other, that group is a space for members, not an MTA advisory channel. What one member says there is that member's own statement — it is not MTA's, is not endorsed by MTA, and is not advice from MTA — and MTA is not responsible for it. MTA's own messages in such a group are operational (access, payments, session notices) and are not advice. Acceptable Use Policy applies in the group as it does everywhere else, and MTA may remove anyone from it.

25.12 No reliance on availability. MTA's products depend on third-party services MTA does not control (section 17.2). Do not build a trading plan, a schedule, or any commitment on the assumption that a Live Session will happen, that a Material will be reachable, or that the indicator will be running.

26. Contact

PurposeContact
Support, account questions, appeals (section 16.3)moneytradingacademy.infra@gmail.com
Legal notices, disputes (section 23.2), copyright complaints (section 18.5)moneytradingacademy.infra@gmail.com
Postal addressMoney Trading Academy LLC, 597 E 30th St, Paterson, NJ 07513, USA

MTA aims to respond to support enquiries within a reasonable time; response times are not guaranteed.

Version 1.0.1 · effective August 19, 2026
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