Terms & Conditions

Effective Date:

These Terms & Conditions ("Terms", "Agreement") constitute a legally binding agreement between you ("Customer", "User", "you") and Photonic AI LLC ("ForexLabs", "Company", "we", "us", "our") governing your access to and use of the website located at forexlabs.live and forexlabs.click (collectively, the "Website") and all services, products, content, and materials provided through the Website (the "Services").

By accessing the Website, registering for an account, purchasing any products or services, or using our Services in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, incorporated herein by reference.

1. Acceptance and Modifications

By using our Services, you represent and warrant that you have the legal capacity to enter into this Agreement. If you are accessing the Services on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms.

We reserve the right to modify these Terms at any time at our sole discretion. Material changes will be communicated through:

• Prominent notice on the Website
• Email notification to registered users
• Updated "Last Modified" date on this page

Continued use of our Services after modifications constitutes acceptance of the updated Terms.

2. Eligibility and Account Requirements

2.1 Age Requirements

You must be at least 18 years of age to use our Services. By using the Services, you represent and warrant that you meet this age requirement.

2.2 Geographic Restrictions

Our Services are intended for users in jurisdictions where such services are legal. You are responsible for ensuring compliance with your local laws and regulations.

2.3 Account Registration

To access certain features, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as necessary
• Keep your login credentials confidential
• Notify us immediately of any unauthorized use
• Be responsible for all activities under your account

3. Educational Nature and Risk Disclosure

3.1 Educational Purpose

ALL CONTENT AND SERVICES ARE PROVIDED SOLELY FOR EDUCATIONAL PURPOSES. Nothing on this Website or in our Services constitutes:

• Financial, investment, or trading advice
• Recommendations to buy or sell any financial instruments
• Professional investment counsel
• Guaranteed trading strategies or systems

3.2 Risk Warning

You acknowledge and understand that:

• Trading involves significant financial risk
• You may lose some or all of your invested capital
• No guarantee of profits or success is made or implied
• Educational content does not constitute trading signals
• You are solely responsible for your trading decisions

4. Services Description

4.1 Cohort-Based Training

We offer structured educational programs including:

• Live online training sessions
• Educational materials and resources
• Community access and peer interaction
• Mentorship and feedback
• Recording access (where applicable)

4.2 Service Availability

We strive to maintain service availability but do not guarantee uninterrupted access. Services may be temporarily unavailable due to maintenance, technical issues, or other factors beyond our control.

5. Payment Terms and Billing

5.1 Payment Processing

All payments are processed through secure third-party payment processors. By providing payment information, you:

• Authorize us to charge the applicable fees
• Represent that you have the right to use the payment method
• Agree to pay all applicable taxes and fees
• Acknowledge that payment information is subject to verification

5.2 Pricing and Fees

All prices are displayed in USD and include any applicable fees unless otherwise stated. Prices are subject to change without notice, but changes will not affect orders already placed.

5.3 Failed Payments

If payment fails or is declined:

• Access to Services may be suspended
• Additional fees may apply for payment processing retries
• We may pursue collection through appropriate means

6. Intellectual Property Rights

6.1 Our Content

All content, materials, and intellectual property on the Website and Services, including but not limited to:

• Text, graphics, logos, and images
• Video and audio content
• Software and code
• Trading strategies and methodologies
• Educational curricula and materials

are owned by ForexLabs or our licensors and protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial educational purposes only. This license does not permit:

• Reproduction, distribution, or modification of content
• Commercial use or resale of materials
• Creation of derivative works
• Reverse engineering or decompilation

7. User Conduct and Restrictions

7.1 Acceptable Use

You agree to use the Services only for lawful purposes and in accordance with these Terms. You will not:

• Share login credentials or account access
• Record, copy, or distribute live sessions without permission
• Engage in disruptive or harmful behavior
• Attempt to circumvent security measures
• Use automated systems to access the Services
• Violate any applicable laws or regulations

7.2 Community Guidelines

In community spaces, you agree to:

• Treat others with respect and professionalism
• Avoid sharing personal financial information
• Refrain from soliciting or promoting competing services
• Follow moderator instructions and guidelines

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the collection and use of your information as described in the Privacy Policy.

9. Third-Party Services and Links

Our Website may contain links to third-party websites or integrate with third-party services. We do not control and are not responsible for:

• Third-party content, policies, or practices
• The availability or functionality of external services
• Any damages arising from third-party interactions

10. Termination

10.1 Termination by You

You may terminate your account at any time by contacting us. Termination does not entitle you to refunds except as expressly provided in our Refund Policy.

10.2 Termination by Us

We may terminate or suspend your access immediately, without notice, for any reason, including:

• Violation of these Terms
• Suspected fraudulent activity
• Non-payment of fees
• Disruptive behavior

10.3 Effect of Termination

Upon termination:

• Your right to access Services ceases immediately
• We may delete your account and data
• Accrued obligations remain in effect
• Provisions that should survive termination will continue

11. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE"
• WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED
• WE DO NOT WARRANT THAT SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE
• WE MAKE NO GUARANTEES ABOUT THE ACCURACY OR RELIABILITY OF CONTENT
• WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL FOREXLABS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• TRADING LOSSES OR INVESTMENT DAMAGES
• DAMAGES RESULTING FROM THIRD-PARTY SERVICES

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICES IN THE 12 MONTHS PRECEDING THE CLAIM.

13. Indemnification

You agree to indemnify, defend, and hold harmless ForexLabs and its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable attorney fees) arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any rights of another party
• Your trading activities and decisions

14. Dispute Resolution and Governing Law

14.1 Governing Law

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict of law principles.

14.2 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules.

14.3 Class Action Waiver

YOU AND FOREXLABS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

14.4 Jury Trial Waiver

You and ForexLabs waive any right to a trial by jury in any legal proceeding arising out of or relating to these Terms or the Services.

15. Miscellaneous

15.1 Entire Agreement

These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and ForexLabs.

15.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

15.3 Waiver

No waiver of any term or condition shall be deemed a continuing waiver of such term or any other term.

15.4 Assignment

You may not assign your rights under these Terms without our prior written consent. We may assign our rights at any time.

16. Contact Information

For questions about these Terms or to report violations, please contact us:

• Email: legal@forexlabs.live
• Address: Photonic AI LLC, 30 N Gould St, Sheridan, WY 82801, USA
• Response Time: We aim to respond within 2-3 business days

Last Updated: