Terms and Conditions - Modern Money Experts

Terms and ConditionsEffective Date: October 14, 2025
Modern Money Experts (operated by [Your Legal Entity Name], hereinafter “we,” “us,” or “the Company”)
Address: [Your Company Address, e.g., Muscat, Oman]
Email: info@modernmoneyexperts.com By accessing or using our website (stocks.modernmoneyexperts.com or RTL-markets, hereinafter “the Platform”), subscribing to services, or participating in our Discord network, you (“User” or “you”) agree to these Terms and Conditions (“Terms”). If you do not agree, do not use the Platform.1. Nature of Services

The Platform is an analytical and informational tool only. It provides access to real-time market data feeds, analytics on options flow, gamma metrics, liquidity indicators, and related metrics sourced from public and aggregated sources.
All content, including data tables, alerts, video modules, Discord discussions, and reference materials, is for educational and informational purposes solely.
We do not provide investment advice, trading recommendations, signals, or calls. No content constitutes a suggestion to buy, sell, hold, or trade any financial instrument.
Tools (e.g., flow trackers, gamma monitors) are data visualization aids for users to conduct their own independent research. We make no representations about the accuracy, completeness, or timeliness of data for any specific purpose.
Discord network and live sessions are user-generated forums for sharing observations on data; participation is at your discretion and does not imply endorsement.

2. User Eligibility and Responsibilities

You must be at least 18 years old and legally capable of entering contracts.
You are solely responsible for your use of the data, including any decisions made based on it. We are not liable for any outcomes, losses, or actions taken.
Use the Platform only for personal, non-commercial research. Prohibited: Automated scraping, redistribution of data, or integration into advisory tools.
Maintain confidentiality of your account; notify us immediately of unauthorized access.

3. Subscriptions and Payments

Access requires a paid subscription (details on Pricing page). Fees are non-refundable except as required by law.
Subscriptions auto-renew; cancel anytime via account settings. We may change fees with notice.
All payments processed via [e.g., Stripe]; you agree to their terms.

4. Intellectual Property

All content (data interfaces, videos, graphics) is owned by us or licensors. Granted: Limited license for personal viewing during subscription.
No reproduction, modification, or commercial use without written permission.

5. Risk Disclosure and Disclaimers

No Trading Calls or Advice: The Platform explicitly does not provide trading calls, signals, alerts intended as recommendations, or any form of financial, investment, or trading advice. All data is historical or real-time observational metrics only.
Educational Purpose Only: Reference materials (e.g., courses, playbooks) are educational illustrations of data concepts. They do not teach trading strategies, guarantee understanding, or suggest applications.
Data Analytics Only: Tools aggregate and display market data for review. Data may be delayed, incomplete, or from third-party sources. We do not verify or endorse it for decision-making.
Market Risks: Financial markets involve substantial risk, including loss of capital. Any use of our data in personal analysis is at your sole risk. Past data patterns do not predict future results.
No Guarantees: We make no warranties about data reliability, uptime (aim for 99% but not guaranteed), or fitness for purpose. Services provided “as is.”
Third-Party Data: Sources (e.g., exchanges) may have errors; we disclaim liability.
Limitation of Liability: To the fullest extent permitted by law, we are not liable for any direct, indirect, incidental, or consequential damages arising from use (e.g., financial losses, even if advised of possibility). Aggregate liability capped at fees paid in the last 3 months.
Indemnification: You indemnify us against claims from your misuse or violation of Terms.

6. Privacy and Data Use

We collect minimal data (e.g., email, usage stats) per our Privacy Policy [link]. Data feeds are anonymized; no sale of personal info.
Cookies for functionality; opt-out available.

7. Termination and Modifications

We may suspend/terminate access for violations (e.g., abuse, non-payment).
Terms may update; continued use implies acceptance. Notice via email/site.

8. Governing Law and Disputes

Governed by laws of [e.g., Sultanate of Oman]. Disputes resolved in [e.g., Muscat courts]. No class actions.

9. Contact

Questions: info@modernmoneyexperts.com

By using the Platform, you acknowledge reading and understanding these Terms, including risks.

Risk Disclosure Statement (Embed as a Standalone Section or Pop-Up on Key Pages)Place this verbatim on the homepage footer, signup page, and before any data access:Risk Disclosure
Modern Money Experts provides data analytics and educational content only. We do not offer trading calls, investment advice, recommendations, or signals. All tools and materials are for informational and research purposes to help users understand market data metrics (e.g., options flow, gamma, liquidity).

No Advisory Services: Content is not personalized and does not consider your financial situation, objectives, or risk tolerance. Consult a licensed financial advisor or professional for any decisions.
Data Limitations: Real-time feeds may include errors, delays, or interruptions. Reliance on data is at your own risk.
Educational Tools Only: Videos, sessions, and resources illustrate concepts like data interpretation; they are not training for trading or guarantees of knowledge.
Market Volatility: Observing market data does not mitigate risks in financial instruments, which can result in total loss.
User Responsibility: You assume full responsibility for any actions. We disclaim all liability for losses.

By proceeding, you confirm this is not advice and agree to our full Terms.