Terms of Service

These Terms of Service (the "Terms") govern your access to and use of crashmoneyanalytics.io, the Crash Money Analytics signal publication, member content, email and Discord distributions, and any related services (collectively, the "Service") operated by Crash Money Analytics LLC, a Texas limited liability company with its principal place of business in Houston, Texas ("CMA," "we," "us," or "our"). By creating an account, subscribing, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service Is an Impersonal Publication

The Service is a bona fide, impersonal publication of general and regular circulation. Every subscriber at a given tier receives exactly the same content, at the same time, on a regular schedule. The Service:

• is not personalized investment, financial, legal, tax, or accounting advice;
• is not a recommendation that any security, futures contract, forex position, option, strategy, or transaction is suitable for you or any particular person;
• does not take into account your objectives, financial situation, experience, or risk tolerance — we do not know them and will not ask;
• does not create an adviser-client, fiduciary, or agency relationship of any kind between you and CMA.

CMA is not registered as an investment adviser with the U.S. Securities and Exchange Commission or any state, and is not registered as a commodity trading advisor with the Commodity Futures Trading Commission or a member of the National Futures Association. The Service is structured and operated to remain within the publisher's exclusion recognized in Lowe v. SEC, 472 U.S. 181 (1985) and the exemption in CFTC Rule 4.14(a)(9). See our Risk Disclosures for detail.

2. We Never Touch Your Money or Your Account

• We do not execute trades for you and will not accept authority to do so.
• We do not accept, hold, or transmit client funds. Ever.
• We do not accept, request, or store your brokerage API keys or credentials, and you must not send them to us.
• We do not open brokerage accounts for you, assist you in opening them, or receive compensation from any broker for referring you.
• If you choose to automate execution of published signals, you do so entirely through your own third-party tools and your own broker, under your own configuration, at your own risk. Those tools and brokers are not our agents and we are not responsible for them.

3. Eligibility and Accounts

You must be at least 18 years old and able to form a binding contract. You are responsible for the accuracy of the information you provide, for maintaining the confidentiality of your account, and for all activity under it. You may not share, resell, redistribute, scrape, or republish member content, including signals, without our prior written consent.

4. Subscriptions, Billing, and Cancellation

• Paid tiers are billed as flat, recurring monthly subscription fees through our merchant of record, Whop, Inc. ("Whop"). Whop processes payment, handles applicable sales taxes, and appears on your statement.
• We charge no performance fees and no profit share of any kind.
• Subscriptions renew automatically each month until cancelled. You may cancel at any time through the billing portal; cancellation takes effect at the end of the current billing period. Except where required by law, fees already paid are non-refundable.
• Founding-member pricing remains in effect only while the founding subscription stays continuously active; if it lapses or is cancelled, re-subscription is at then-current prices.
• We may change tier prices or features prospectively with at least 30 days' notice; changes never apply retroactively to a period you have already paid for.

5. Trading Risk; No Guarantee of Results

Trading futures, forex, and options involves substantial risk of loss and is not suitable for all investors. You may lose more than your initial investment in leveraged products. Past performance — actual or simulated — is not indicative of future results. We make no representation or warranty that any subscriber will achieve profits or avoid losses. You alone are responsible for every trading decision you make and for determining whether any transaction is appropriate for you, in consultation with your own licensed advisers if you need advice.

We disclose that CMA and its principals trade the same signals the Service publishes, in our own accounts, at or about the same time they are published. See the Risk Disclosures.

6. Intellectual Property

The Service and all its content — signals, text, code, data feeds, page designs, reports, and marks — are owned by CMA or its licensors and protected by intellectual property law. Your subscription grants you a personal, non-exclusive, non-transferable, revocable license to access the content for your own individual use. All other rights are reserved.

7. Acceptable Use

You agree not to:

• redistribute, resell, or publicly repost member-only content or signals;
• scrape, harvest, or systematically download content or data from the Service;
• reverse engineer, probe, or disrupt the Service or its infrastructure;
• misrepresent the Service or our results in any republication or promotion;
• use the Service in violation of applicable law.

We may suspend or terminate accounts that violate these Terms, with a pro-rata refund of prepaid fees only where we terminate without cause.

8. Third-Party Services

The Service links to or interoperates with third parties we do not control — including Whop (payments), Discord (community distribution), email providers, and any automation or brokerage tools you choose to use. Their terms and privacy policies govern your use of them. We are not responsible for third-party services, outages, or actions.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TIMELINESS, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT SIGNALS WILL BE PROFITABLE, TIMELY, UNINTERRUPTED, OR ERROR-FREE, OR THAT THE SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME. MARKET DATA AND SIGNAL DELIVERY CAN BE DELAYED, INTERRUPTED, OR INCORRECT.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) CMA AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY TRADING LOSSES, LOST PROFITS, OR LOST OPPORTUNITIES, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY; AND (b) CMA'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE SUBSCRIPTION FEES YOU PAID TO CMA IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

11. Indemnification

You agree to indemnify and hold harmless CMA and its members, managers, officers, employees, and agents from claims, damages, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your trading activity, your violation of these Terms, or your violation of law or third-party rights.

12. Arbitration and Class-Action Waiver

Please read this section carefully — it affects your rights. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that cannot be resolved informally shall be finally resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration shall be conducted in Houston, Texas (or, at your option, remotely by videoconference), before a single arbitrator, in English. Judgment on the award may be entered in any court of competent jurisdiction.

• Class-action waiver: disputes shall be arbitrated on an individual basis only. Neither party may bring or participate in a class, collective, or representative action, and the arbitrator may not consolidate claims of multiple persons.
• Small-claims carve-out: either party may instead bring an individual claim in small-claims court where jurisdiction permits.
• Opt-out: you may opt out of this arbitration agreement by emailing legal@crashmoneyanalytics.io within 30 days of first accepting these Terms, stating your name and account email.

13. Governing Law and Venue

These Terms and any dispute arising out of them are governed by the laws of the State of Texas and applicable U.S. federal law, without regard to conflict-of-laws principles. Subject to Section 12, exclusive venue for any permitted court proceeding is the state or federal courts located in Harris County, Texas, and the parties consent to their jurisdiction.

14. Changes to the Service or Terms

We may modify the Service or these Terms. Material changes to the Terms will be posted on this page with an updated date and, for subscribers, notified by email at least 14 days before taking effect. Continued use after the effective date constitutes acceptance.

15. Miscellaneous

These Terms, together with the Privacy Policy and Risk Disclosures, are the entire agreement between you and CMA regarding the Service. If any provision is held unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. Notices to us: legal@crashmoneyanalytics.io.