Terms of service.
Effective Date: August 14, 2026
Last Updated: August 14, 2026
Welcome to www.OptionsAndStocksPhD.com (the “Website”), operated by OptionsStocksAndFinancePhD LLC (“Company,” “we,” “us,” or “our”).
These Terms of Service (“Terms”) govern your access to and use of the Website and any products, services, educational materials, stock strategies, options strategies, subscriptions, courses, reports, newsletters, videos, research, alerts, or other content made available through the Website (collectively, the “Services”).
By accessing or using the Website, creating an account, purchasing a product or service, or otherwise using the Services, you agree to be legally bound by these Terms. If you do not agree with these Terms, do not use the Website or Services.
1. Eligibility
You must be at least 18 years old, or the age of majority in your jurisdiction, to purchase or use the Services.
By using the Website, you represent and warrant that:
You have the legal capacity to enter into these Terms;
The information you provide to us is accurate and complete;
You will comply with all applicable laws and regulations; and
You will use the Website only for lawful purposes.
2. Nature of Our Services
OptionsAndStocksPhD provides educational and informational content relating to stocks, options, financial markets, trading strategies, market analysis, and related subjects.
The Services may include, among other things:
Stock strategies;
Options strategies;
Trading ideas;
Market commentary;
Educational courses;
Research and analysis;
Written reports;
Videos and educational presentations;
Trading alerts or notifications;
Newsletters;
Webinars; and
Other educational materials.
The availability and content of Services may change at any time.
3. IMPORTANT INVESTMENT DISCLAIMER
THE INFORMATION PROVIDED THROUGH OPTIONSANDSTOCKSPHD IS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND IS NOT INTENDED TO CONSTITUTE PERSONALIZED INVESTMENT, FINANCIAL, TAX, ACCOUNTING, OR LEGAL ADVICE.
Nothing on the Website constitutes a recommendation that any particular security, option, transaction, strategy, or investment is suitable for you.
You are solely responsible for evaluating your financial circumstances, investment objectives, risk tolerance, and financial situation before making any investment or trading decision.
You should consult a qualified financial professional, investment adviser, tax professional, attorney, or other appropriate professional regarding your individual circumstances before making financial decisions.
4. NO GUARANTEE OF RESULTS
PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.
Any examples of profits, losses, returns, performance, hypothetical results, backtested results, testimonials, or other performance information are provided for illustrative or educational purposes only.
There is no guarantee that you will achieve similar results.
Actual trading results can differ substantially from hypothetical, backtested, or historical results.
You acknowledge that your individual results may vary based on numerous factors, including market conditions, execution prices, commissions, fees, spreads, slippage, liquidity, timing, capital, trading discipline, and risk management.
5. OPTIONS TRADING RISK
Options trading involves substantial risk and is not appropriate for every investor.
Depending on the strategy, options trading can result in the loss of some or all of the capital committed to a trade and, in certain circumstances, may expose an investor to losses greater than the amount initially invested.
Before trading options, you should understand the characteristics and risks of options and determine whether options trading is appropriate for you.
You should carefully review the applicable options disclosure documents and consult an appropriately qualified professional if you do not understand the risks associated with options trading.
6. NO PERSONALIZED INVESTMENT ADVICE
Unless expressly agreed in a separate written agreement and provided in accordance with applicable law, the Services are not intended to provide individualized investment advice or portfolio management.
Information presented through the Website is generally intended for a broad audience and may not take into account your individual financial circumstances, objectives, or risk tolerance.
You are responsible for conducting your own research and making your own investment decisions.
7. NO BROKERAGE OR EXECUTION SERVICES
OptionsAndStocksPhD does not execute trades on your behalf through the Website unless expressly stated otherwise.
We do not control your brokerage account and cannot guarantee the execution of any trade.
You are solely responsible for placing, modifying, or canceling orders with your brokerage firm.
8. No Fiduciary Relationship
Your use of the Website or purchase of educational products does not, by itself, create a fiduciary, advisory, broker-client, attorney-client, accountant-client, or other professional relationship between you and OptionsStocksAndFinancePhD LLC.
Any professional relationship requiring a separate written agreement will be governed by that agreement.
9. Trading Decisions Are Your Responsibility
Any trading or investment decision you make based on information obtained through the Website is made solely by you and at your own risk.
We are not responsible for:
Your trading decisions;
Investment losses;
Missed opportunities;
Trading errors;
Brokerage execution;
Market movements;
Changes in market conditions;
Losses resulting from following a strategy;
Losses resulting from failing to follow a strategy; or
Any other investment or trading outcome.
You should never invest money that you cannot afford to lose.
10. Accuracy of Information
We attempt to provide information that is accurate and useful; however, we do not warrant that all information will always be complete, accurate, current, or error-free.
Financial markets change rapidly. Information that was accurate when published may subsequently become outdated.
We may use information obtained from third-party sources, market data providers, public filings, news sources, and other sources. We do not guarantee the accuracy or completeness of information obtained from those sources.
11. Market Data and Delays
Market prices, quotes, charts, options chains, financial information, and other market data displayed through the Website may be delayed, incomplete, or inaccurate.
You should verify current prices and other relevant information through your brokerage firm or another reliable market-data source before placing a trade.
12. Hypothetical and Backtested Performance
Where permitted by law, the Website may present hypothetical, simulated, backtested, or model performance.
Hypothetical performance has inherent limitations and does not represent actual trading.
No representation is being made that any account will or is likely to achieve results similar to those presented.
Hypothetical results may benefit from hindsight and may not fully account for commissions, spreads, slippage, liquidity limitations, execution issues, or other real-world factors.
13. Testimonials and Customer Results
Testimonials, reviews, screenshots, examples, and statements concerning customer experiences represent the experiences or opinions of the individuals providing them.
Individual results vary, and testimonials should not be interpreted as a guarantee or representation that you will obtain the same or similar results.
Where required by applicable law, material relationships or compensation associated with endorsements or testimonials will be disclosed.
Advertising and testimonials must not be misleading, and applicable federal advertising requirements may apply to representations made about the Services.
14. Purchases and Payments and Refunds
We do not offer refunds. At the discretion of the Seller, credits of equal value may be applied to the purchase of another course.
Certain Services require payment.
When you purchase a product or service, you agree to:
Provide accurate billing information;
Pay all applicable charges;
Use a valid payment method;
Authorize us or our payment processor to charge your selected payment method; and
Comply with the applicable purchase terms presented at checkout.
Prices may change at any time, but changes generally will not affect purchases already completed unless otherwise stated.
Payment processing may be handled by third-party payment processors.
15. Subscriptions and Recurring Charges
If you purchase a subscription or other recurring service, you authorize the applicable recurring charges according to the subscription terms presented at checkout.
You may cancel recurring subscriptions according to the cancellation procedures provided by the Website or applicable subscription terms.
Cancellation generally prevents future charges but does not automatically entitle you to a refund of amounts already paid unless otherwise stated or required by applicable law.
16. Refunds and Cancellations
Refund eligibility is determined by the refund policy presented at the time of purchase.
Unless a separate refund policy states otherwise, all sales may be final once digital products, educational materials, strategies, or other immediately accessible content has been delivered.
Nothing in this section limits any refund or cancellation rights that cannot legally be waived.
17. Digital Products and Access
When you purchase a digital product, subscription, course, strategy, report, or other digital service, you receive a limited, personal, non-transferable right to access and use the purchased content for its intended purpose.
We may suspend or terminate access when reasonably necessary to protect the Website, prevent unauthorized use, enforce these Terms, or comply with applicable law.
18. Intellectual Property
All content on the Website, including but not limited to:
Text;
Articles;
Reports;
Strategies;
Videos;
Graphics;
Logos;
Course materials;
Trading methodologies;
Educational materials;
Software;
Website design;
Branding; and
Other original content
is owned by or licensed to OptionsStocksAndFinancePhD LLC and is protected by applicable intellectual-property laws.
Your purchase of a product does not transfer ownership of the underlying intellectual property to you.
19. Limited License
Subject to these Terms and your payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use purchased content solely for your personal, non-commercial educational purposes.
You may not:
Copy or reproduce paid content for unauthorized distribution;
Resell or redistribute strategies or educational materials;
Share account credentials;
Upload paid materials to public websites or file-sharing services;
Record or reproduce paid courses without authorization;
Create competing products using our proprietary materials;
Remove copyright or proprietary notices;
Claim our materials as your own; or
Use our materials for unauthorized commercial purposes.
20. Account Security
If you create an account, you are responsible for maintaining the confidentiality of your login credentials.
You agree not to share your account with another person.
You are responsible for activity occurring through your account unless the activity resulted from circumstances outside your reasonable control.
Notify us promptly if you believe your account has been accessed without authorization.
21. Prohibited Uses
You may not use the Website to:
Violate any applicable law or regulation;
Commit fraud;
Interfere with Website operations;
Attempt unauthorized access to systems or accounts;
Scrape or harvest Website data without authorization;
Distribute malware or harmful code;
Impersonate another person or entity;
Abuse customer-support services;
Circumvent access controls;
Redistribute proprietary materials; or
Engage in conduct that could damage the Company or its users.
22. Third-Party Websites and Services
The Website may contain links to third-party websites, brokerages, financial services, payment processors, social-media platforms, data providers, or other services.
We do not control or guarantee the availability, accuracy, security, or practices of third-party websites or services.
Your use of third-party services is subject to the third party's applicable terms and privacy policies.
23. Privacy
Your use of the Website is also governed by our Privacy Policy, which describes how we collect, use, and protect personal information.
By using the Website, you acknowledge that you have reviewed the Privacy Policy.
24. Disclaimers of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
OPTIONSSTOCKSANDFINANCEPHD LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND RELIABILITY.
WE DO NOT WARRANT THAT:
THE WEBSITE WILL ALWAYS BE AVAILABLE;
THE WEBSITE WILL BE ERROR-FREE;
INFORMATION WILL ALWAYS BE ACCURATE OR CURRENT;
THE SERVICES WILL MEET YOUR PARTICULAR EXPECTATIONS;
ANY PARTICULAR TRADING OR INVESTMENT RESULT WILL BE ACHIEVED; OR
THE WEBSITE WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.
25. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OPTIONSSTOCKSANDFINANCEPHD LLC AND ITS OWNERS, MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE OR SERVICES.
THIS INCLUDES, WITHOUT LIMITATION, INVESTMENT LOSSES, TRADING LOSSES, LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, OR LOSS OF OPPORTUNITY.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF OPTIONSSTOCKSANDFINANCEPHD LLC ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO THE COMPANY FOR THE PARTICULAR SERVICE GIVING RISE TO THE CLAIM DURING THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR (B) $100.
Nothing in these Terms excludes liability that cannot legally be excluded or limited.
26. Indemnification
To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless OptionsStocksAndFinancePhD LLC and its owners, members, officers, employees, contractors, affiliates, agents, licensors, and service providers from claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or relating to:
Your use of the Website;
Your violation of these Terms;
Your violation of applicable law;
Your violation of another person's rights; or
Your trading or investment activities.
27. Termination
We may suspend or terminate your access to the Website or Services at any time if we reasonably believe that you have violated these Terms, engaged in fraudulent or abusive conduct, failed to pay applicable fees, or otherwise created a risk to the Website, Company, or other users.
Termination does not eliminate obligations that by their nature should survive termination, including intellectual-property provisions, disclaimers, limitations of liability, indemnification, and dispute-resolution provisions.
28. Changes to the Website and Services
We reserve the right to modify, suspend, discontinue, or restrict any portion of the Website or Services at any time.
We are not liable for losses resulting from the modification or discontinuation of any Website feature, product, strategy, course, subscription, or service, subject to applicable law and any specific contractual rights you may have.
29. Changes to These Terms
We may update these Terms periodically.
When we make material changes, we may provide notice through the Website or by other reasonable means.
The updated Terms will become effective on the date stated at the beginning of the revised Terms.
Your continued use of the Website after the effective date constitutes acceptance of the revised Terms to the extent permitted by law.
30. Governing Law
These Terms will be governed by and interpreted according to the laws of the State of [TN STATE], without regard to conflict-of-law principles.
Any dispute that is not subject to arbitration, if applicable, will be brought in the state or federal courts located in [KNOX COUNTY AND TN], and you consent to the jurisdiction of those courts.
Important: The Company should insert its actual state and county of formation or other legally appropriate jurisdiction after consultation with counsel.
31. Arbitration and Dispute Resolution
[OPTIONAL — HAVE AN ATTORNEY REVIEW BEFORE USING THIS SECTION]
To the extent permitted by applicable law, the Company and you may agree to resolve certain disputes through binding individual arbitration rather than through court proceedings.
If the Company elects to use an arbitration provision, the final language should be prepared or reviewed by qualified counsel to address applicable federal and state requirements, including provisions concerning class actions, arbitration procedures, fees, venue, and consumer rights.
32. Severability
If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect to the maximum extent permitted by law.
33. No Waiver
Our failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce that provision later.
34. Entire Agreement
These Terms, together with the Privacy Policy and any additional terms expressly incorporated into the Website or applicable to a particular product or service, constitute the entire agreement between you and OptionsStocksAndFinancePhD LLC concerning your use of the Website and Services.
35. Contact Information
Questions regarding these Terms may be directed to:
OptionsStocksAndFinancePhD LLC
Website: www.OptionsAndStocksPhD.com
Email: [Finance@optionsandstocksphd.com]
IMPORTANT RISK NOTICE
STOCKS AND OPTIONS INVOLVE RISK. OPTIONS TRADING CAN RESULT IN SUBSTANTIAL LOSSES, INCLUDING THE LOSS OF YOUR ENTIRE INVESTMENT AND, FOR CERTAIN STRATEGIES, LOSSES GREATER THAN YOUR INITIAL INVESTMENT.
DO NOT TRADE WITH MONEY YOU CANNOT AFFORD TO LOSE.
NO INFORMATION PROVIDED BY OPTIONSANDSTOCKSPHD OR OPTIONSSTOCKSANDFINANCEPHD LLC SHOULD BE UNDERSTOOD AS A GUARANTEE OF FUTURE RESULTS.
YOU ARE SOLELY RESPONSIBLE FOR YOUR INVESTMENT AND TRADING DECISIONS.