Terms of Service:

Terms of Service
1. Introduction
Welcome to OptionsWithHans.com. By accessing our website ("Site") and services ("Service"), you agree to these Terms of Service. Additional terms may apply to specific content or features.

2. Changes to Terms
We may modify these Terms at any time. Continued use after the effective date constitutes acceptance of the changes.

3. Privacy
Your privacy matters. Please refer to our Privacy Policy for details on data collection and usage.

4. Disclaimers
4.1 Investment Risks
The Site provides educational content only and does not constitute financial or investment advice. Past performance does not guarantee future results. Consult a qualified professional before making investment decisions.

4.2 Accuracy of Content
We strive for accuracy but do not guarantee it. We are not liable for errors or outdated information.

5. Service Use & Access
5.1 License
You receive a limited, non-transferable license for personal, non-commercial use of our content. Unauthorized distribution or reproduction is prohibited.

5.2 Account Responsibilities
You must provide accurate registration information, keep credentials secure, and report unauthorized use immediately.

5.3 Service Modifications
We may modify or discontinue any part of the Service with prior notice and without liability.

5.4 Refunds
All sales are final. No refunds will be issued.

6. User Conduct
You agree not to:
Violate intellectual property rights.
Introduce malware or disrupt the Site.
Engage in spamming, fraud, or illegal activities.
Share account access or solicit minors.
Violations may result in termination and legal action.

7. Payments & Fees
You authorize recurring charges based on your subscription. Prices may change, and you are responsible for applicable taxes.

8. Online Courses & Mentorship
Course access is for registered users only and cannot be shared. Bonuses (e.g., group chat access) are non-transferable.

9. Non-Competition Clause
Users may not engage in competing services. Violations may result in termination without refund.

10. Intellectual Property
All Site content is protected by copyright and other laws. Unauthorized use is prohibited.
By using our Site and Service, you acknowledge and agree to these Terms of Service.

Introduction
We, OptionsWithHans.com, provide access to our online courses, discussion groups, tools, and materials for educational and informational purposes (collectively referred to as the "Service"). These services are available through our website located at www.OptionsWithHans.com, including any sub-domains therein (the "Site"). By purchasing, using, or accessing the Site and/or Service, you agree to be bound by these Terms of Service.
Certain content or features may be subject to additional terms and conditions that supplement these Terms of Service. You will be required to agree to these additional terms when subscribing to, signing up for, or purchasing such content or features. In the event of any conflict between these additional terms and the Terms of Service, the relevant conflicting term(s) shall apply only to the specific content or feature involved, while the remaining provisions of these Terms of Service shall continue to prevail.

Modifications to Terms of Service
We reserve the right to change or modify these Terms of Service at our sole discretion. If changes occur, we will notify you in advance. The revised Terms of Service will take effect on the specified effective date (the "Effective Date"). Your continued use of the Service after the Effective Date constitutes acceptance of the new Terms of Service.
Privacy
We respect user privacy. Please refer to our Privacy Policy for details. By purchasing, using, or accessing the Site and/or Service, you consent to our collection and use of your personal data as outlined in our Privacy Policy.

Disclaimers
4.1. Investments
The Site and/or Service does not constitute a solicitation or offer to sell capital market products or financial advisory services. It is not intended to provide professional financial or investment advice. No consideration is given to individual financial circumstances. You should consult a qualified professional before making any financial or investment decision.
Past performance is not necessarily indicative of future results. Investing carries significant risks, and you may lose some or all of your initial investment. You acknowledge that you are responsible for your investment decisions, including understanding and assessing the associated risks.

4.2. Content of the Site and Service
Past performance of any trading system or methodology does not guarantee future results. We do not guarantee that any investment will be profitable or free of losses.
While we strive to provide reliable information through the Site and/or Service, we do not warrant the accuracy or timeliness of such information. No content on the Site and/or Service shall be interpreted as guaranteeing future performance. Neither we nor our information providers shall be liable for any inaccuracies or errors in the content.

Access and Use of Service
5.1. Description of Use
The Service and any content available through the Site and/or Service is for personal and non-commercial use only. With your purchase, we grant you a limited, non-exclusive, non-transferable license to access our online courses, discussion groups, tools, and materials solely for educational and informational purposes. No rights, title, or interest is transferred to you beyond this limited license.
You may not copy, reproduce, download, share, upload, post, distribute, sell, resell, or exploit the content for commercial purposes. We reserve the right to revoke your license at our discretion. Upon revocation, you must promptly destroy all downloaded content.

5.2. Registration
To access certain features of the Service, you may be required to register on the Site. You agree to provide accurate, current, and complete information. Registration data is governed by our Privacy Policy. You represent that you have the legal authority to enter into and comply with these Terms of Service.

5.3. Account
You may only use your registered account and must not share your login credentials. You are responsible for all activities under your account. You must maintain the confidentiality of your password and notify us immediately of any unauthorized use. We are not liable for any losses resulting from failure to comply with this requirement.

5.4. Modifications to Service
We reserve the right to modify or discontinue the Service and/or Site, including content, at our sole discretion. We will notify you in advance. We are not liable for any modifications, suspensions, or discontinuations. We are under no obligation to retain your account or submitted content.

5.5. Use and Storage
We may establish limits on the use of the Service, including data retention periods and storage limits. We are not responsible for the deletion or failure to store any data. We may terminate inactive accounts at our discretion and change these policies as necessary.

5.6. Refund Policy
All sales are final. As access to the Service is granted upon purchase, no refunds (partial or full) will be issued.
Conditions of Use

6.1. User Conduct
You are solely responsible for all content you upload or transmit via the Service. We reserve the right to take appropriate action, including content removal, account suspension, or legal action, against any violation of these Terms of Service. You agree not to:
Upload or distribute content that infringes upon intellectual property rights, contains viruses, poses security risks, or violates privacy laws.
Engage in unauthorized advertising, spamming, harassment, or any unlawful activity.
Interfere with the Service’s operation or attempt unauthorized access to accounts or systems.

6.2. Fees
If the Service is offered for a fee, you must make the required payment and provide valid payment information. You authorize us to charge your payment method according to your subscription plan. We may update our pricing and are not responsible for any applicable taxes on your purchase.

6.3. Online Courses & Mentorship Programs
Access to online courses is restricted to the registered user. You agree not to share or distribute your access.

6.4. Privileges and Bonuses
Privileges or bonuses, including access to group discussions, are non-exchangeable and intended to supplement the Service. Any discussions or information shared do not constitute investment recommendations. You are responsible for conducting your own due diligence before making investment decisions.

6.5. Commercial Use
You may not use any portion of the Service for commercial purposes unless explicitly authorized in writing.

6.6. Non-Competition
You agree not to engage in business activities that compete with us. If we determine that you are in breach of this provision, we may revoke your access to the Site and/or Service without a refund.
By accessing and using the Service, you acknowledge that you have read, understood, and agreed to abide by these Terms of Service.

Intellectual Property Rights
7.1. Site and Service Content, Software, and Trademarks
You acknowledge and agree that the Site and Service contain content or features (the “Content”) that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and laws. Except as expressly authorized by us, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Site, Service, or Content, in whole or in part. However, this restriction does not apply to your own User Content (as defined below) that you legally upload to the Site or Service.
In connection with your use of the Site and/or Service, you agree not to engage in or use any data mining, robots, scraping, or similar data gathering or extraction methods.

If we block your access to the Site or Service (including, but not limited to, blocking your Internet Protocol (“IP”) address) at our sole discretion for any reason, you agree not to attempt to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address). Any use of the Site, Service, or Content other than as specifically authorized herein is strictly prohibited.

The technology and software underlying the Site and/or Service or distributed in connection therewith are the property of us, our affiliates, and/or our partners (where applicable) (the “Software”). You agree not to copy, modify, create derivative works of, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by us.

The content on the Site and/or Service is protected by applicable copyright and intellectual property laws and is the exclusive property of OptionsWithHans.com and/or the respective owners who may or may not endorse, be affiliated with, or be connected to us. Nothing in these Terms of Service, the Site, or the Service shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any content on the Site and/or Service without our prior written permission in each instance. All goodwill generated from the use of the content on the Site and/or Service shall inure to our exclusive benefit.

7.2. Third-Party Material
We shall not be liable in any way for (a) any content or materials of any third parties (including users), including but not limited to errors or omissions in any content, or (b) any loss or damage of any kind incurred as a result of the use of any such content. You acknowledge that we do not pre-screen content, but we and our designees have the right (but not the obligation) at our sole discretion to refuse or remove any content that violates these Terms of Service or is otherwise objectionable. You agree that you must evaluate and bear all risks associated with using any content, including reliance on its accuracy, completeness, or usefulness.

7.3. User Content Transmitted Through the Service
With respect to content or other materials you upload through the Service or share with other users or recipients (collectively, the “User Content”), you represent and warrant that you own all rights, titles, and interests in such User Content, including, without limitation, all copyrights and rights of publicity, and that you have all necessary rights to post or transmit such content without violating third-party rights. By uploading any User Content, you grant us, our affiliated companies, and partners a non-exclusive, worldwide, royalty-free, fully paid-up, transferable, sub-licensable, perpetual, and irrevocable license to copy, display, upload, adapt, perform, publish, distribute, store, modify, and otherwise use and exploit your User Content in any and all media, formats, or technologies now known or later developed for any purpose (commercial or otherwise).
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information relevant to the Service (“Submissions”) provided by you to us, our affiliated companies, or partners are non-confidential and we, our affiliates, and partners shall be entitled to unrestricted use and dissemination of these Submissions for any purpose without acknowledgment or compensation to you.
We may (but are not obligated to) preserve content and disclose it if required by law or in good faith belief that such preservation or disclosure is necessary to:
i. comply with legal processes, applicable laws, or government requests;

ii. enforce these Terms of Service;

iii. respond to claims that content violates third-party rights;

iv. protect our rights, property, personal safety, users, and/or the public.

Technical processing and transmission of the Service, including your content, may involve (a) transmissions over various networks and (b) changes to conform to technical requirements of connecting networks or devices.

Subject to applicable personal data protection laws, we reserve the right to publish any testimonial(s) provided by you in relation to the Site and/or Service.
Third-Party Websites

The Site and/or Service may provide, or third parties may provide, links or access to other websites and resources that are independent from us. We have no control over such sites and resources and are not responsible for and do not endorse their accuracy, completeness, or authenticity. You agree that we shall not be responsible or liable for any loss or damage resulting from your use of or reliance on content, events, goods, or services available through such sites or resources. Any dealings you have with third parties while using the Service are between you and the third party, and we are not liable for any loss or claim arising from such dealings.

Where applicable, you may access the Site and/or Service through third-party services like social networking services (“Social Networking Services”). These services may provide us with access to certain information you have provided to them, which we will use in accordance with our Privacy Policy. However, we are not responsible for their privacy practices or other actions.

You acknowledge that we are not responsible for the accuracy, availability, or reliability of information, content, goods, data, opinions, or advice made available through Social Networking Services. We enable these features as a convenience and their integration does not imply an endorsement.
Disclaimer of Warranties

Your use of the Site and/or Service is at your sole risk. The Site and Service are provided “as is” and “as available.” We disclaim all warranties of any kind, including but not limited to:
i. the Site and/or Service meeting your requirements; ii. uninterrupted, timely, secure, or error-free operation; iii. accuracy or reliability of results obtained from use; iv. quality of products, services, or materials purchased through the Site and/or Service; v. title, non-infringement, merchantability, fitness for a particular use, and any warranties arising from course of dealing or trade practice.

Exclusion of Liability
We shall not be liable for any direct, indirect, special, consequential, exemplary, incidental, or other damages, including loss of profits, goodwill, data, or other intangible losses, resulting from:
i. use or inability to use the Site and/or Service;

ii. cost of procurement of substitute goods or services;

iii. unauthorized access to or alteration of transmissions or data;

iv. statements or conduct of third parties; v. any other matter relating to the Site and/or Service.

If dissatisfied, your sole remedy is to discontinue use.

For the full Terms of Service including termination, disputes, general provisions, and contact details, please refer to the complete document on our website or contact us at info@cashflowinsiders.com