TERMS OF USE
 

Effective Date: July 1st, 2025
Company: Holdex, Inc., a Wyoming Corporation (“Company,” “we,” “us,” “our”)
 

1. Acceptance of Terms

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By accessing, purchasing, or using any part of this website, online course(s), digital content, or one-on-one training services (collectively, the “Services”), you agree to be legally bound by these Terms of Use (“Terms”). If you do not agree, you must immediately discontinue use of the Services.

These Terms apply to all users, including but not limited to customers, trainees, visitors, and any person accessing the Services.
 

2. Educational Purpose Only – No Financial Advice

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The Services are provided strictly for educational and informational purposes only. Nothing provided by the Company, whether in written, audio, video, digital, or live format, shall be construed as:

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• Investment advice

• Financial advice

• Legal advice

• Tax advice

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Trading securities involves significant financial risk. You may lose some or all of your invested capital. Past performance does not guarantee future results.

Even during one-on-one training sessions, all discussions are educational in nature. No individualized financial, investment, or securities advice is provided, and no fiduciary duty is created. You remain solely responsible for your trading and investment decisions.
 

3. Eligibility & Age Verification

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You must be at least 18 years old to purchase or participate in the Services. By using the Services, you represent and warrant that you meet this requirement. You agree to provide proof of age upon request.

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4. Payment & Refund Policy

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• One-on-One Training: If you purchase a one-on-one training package and after the first full day/session (defined as the first scheduled training block of at least four (4) hours) you determine it is not a good fit, you may request a 50% refund within 12 hours of that session. After this period, no refunds will be issued.

• Pre-Recorded Courses: Unless otherwise stated in writing, all sales of digital courses are final. However, if you have completed less than 20% of the course content, measured by modules accessed, and request a refund within 7 calendar days of purchase, you may be eligible for a refund.

• Refund requests must be submitted in writing to support@marketneutralstrategy.com
   

Chargebacks: Attempted chargebacks are prohibited and constitute a breach of contract. Any chargeback attempt will entitle the Company to damages, recovery of funds, attorney’s fees, and all collection costs.

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5. User Conduct – Prohibited Activities

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You agree not to engage in the following prohibited conduct:

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• Copying, recording, reproducing, reselling, or redistributing Content.

• Reverse-engineering, disassembling, or attempting to replicate strategies, AI prompts, or proprietary methodologies.

• Creating or offering competing services, products, or courses based on the Company’s methodologies.

• Soliciting, advertising to, or recruiting other users or clients of the Company for any commercial purpose.

• Abusive, harassing, or disruptive behavior toward the Company or other participants.
   

Violation of this section constitutes material breach and may result in termination of access without refund.

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6. Intellectual Property Rights
 

All content, materials, strategies, AI prompts, trade examples, tools, coaching materials, videos, guides, PDFs, and any other resources provided by the Company (collectively, “Content”) are the exclusive property of the Company.
 

You receive a limited, non-transferable, revocable, single-user license to use the Content solely for your personal, non-commercial use.
 

Liquidated Damages: Unauthorized use, distribution, or reproduction of Content shall entitle the Company to liquidated damages of $100,000 per violation, in addition to any injunctive relief, attorney’s fees, and other remedies available under law. The parties agree that actual damages from such violations would be difficult to quantify but could reasonably exceed $100,000 due to lost revenue, reputational harm, and enforcement costs. Therefore, $100,000 per violation is agreed as liquidated damages and not as a penalty.
 

7. Consent to Recording
 

By participating in any one-on-one or group training sessions, you consent to the sessions being recorded by the Company for quality assurance, recordkeeping, and training purposes. These recordings remain the sole property of the Company.
 

8. Disclaimer of Warranties
 

The Services are provided “as is” and “as available,” without warranties of any kind, express or implied. The Company makes no representations or guarantees that:
 

• The Services will meet your expectations or objectives.

• Any specific financial results will be achieved.

• The Services will be uninterrupted, timely, secure, or error-free.
   

9. Limitation of Liability

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To the fullest extent permitted by law:
 

• The Company’s total liability for any claim shall not exceed the total amount paid by you for the Services.

• The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, lost opportunities, or emotional distress.

• This limitation applies to all claims, including negligence and strict liability. The sole exception shall be intentional misconduct.
   

10. Indemnification
 

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, contractors, affiliates, and agents from any claims, losses, liabilities, damages, costs, or expenses (including attorneys’ fees) arising out of your use of the Services, violation of these Terms, or infringement of intellectual property rights.
 

This includes indemnification against any third-party claims, including but not limited to claims made against brokers, trading platforms, or financial institutions in connection with your actions.
 

11. Force Majeure
 

The Company shall not be liable or deemed in breach for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to natural disasters, government actions, wars, strikes, power outages, internet failures, pandemics, or other acts of God.
 

12. Electronic Signatures & Communications
 

You consent to receive all communications electronically, including contracts, disclosures, and notices. You agree that electronic signatures and agreements have the same legal effect as handwritten signatures.
 

13. Termination
 

The Company reserves the right to terminate or suspend your access to the Services at any time, without refund, if you violate these Terms, engage in prohibited conduct, or misuse Content.
 

14. Governing Law & Dispute Resolution
 

These Terms are governed by and construed under the laws of the State of Wyoming, United States.
 

All disputes shall be resolved by binding arbitration under the rules of the American Arbitration Association (AAA) before a single arbitrator. The arbitration shall take place in Laramie County, Wyoming.
 

You expressly waive the right to trial by jury, to participate in class actions, or to join consolidated proceedings. Judgment on the arbitration award may be entered in any court of competent jurisdiction.
 

15. Severability
 

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

16. Entire Agreement
 

These Terms constitute the entire agreement between you and the Company and supersede all prior agreements, understandings, and representations.
 

17. Modifications

The Company reserves the right to update or modify these Terms at any time without prior notice. Changes will be effective upon posting to the website. Your continued use of the Services constitutes acceptance of such changes.
 

18. Scope of Terms
 

These Terms apply equally to all current and future products, services, memberships, subscriptions, affiliates, and subcontractors of the Company.

 

PRIVACY POLICY
 

Effective Date: July 1st, 2025
Company: Holdex, Inc.
 

1. Information We Collect
 

We may collect personal information that you voluntarily provide, such as:
 

• Name, email address, and contact details

• Billing and payment information

• Course or session activity data
   

We may also collect non-identifiable data automatically, such as browser type, IP address, cookies, and website usage statistics.
 

2. Cookies & Tracking
 

We use cookies and similar tracking technologies to improve website functionality, analyze traffic, and personalize content. You may disable cookies in your browser, but certain features may not function properly.
 

3. How We Use Information
 

We use your information to:
 

• Provide and improve the Services

• Process payments

• Communicate with you regarding your account, training, or updates

• Send promotional or marketing communications (you may opt out at any time by following unsubscribe instructions)

• Comply with legal obligations
   

4. Sharing of Information
 

We do not sell your personal information. We may share information only in limited circumstances, including:
 

• With service providers who assist in operating the website or processing payments

• When required by law, subpoena, or legal process

• To enforce our Terms of Use or protect our rights
   

We are not responsible for the privacy practices or content of third-party websites linked from our site.
 

5. Data Security & Breach Notification
 

We implement commercially reasonable safeguards to protect your information. However, no method of transmission or storage is completely secure.

In the event of a data breach, we will notify affected users within 30 days of becoming aware, subject to applicable law.
 

You expressly agree that the Company shall not be liable for any damages, direct or indirect, arising from unauthorized access, breaches, hacks, or third-party misuse of your information.
 

6. International Users & Legal Rights
 

If you are located outside the United States, your information may be transferred to and processed in the U.S. By using the Services, you consent to this transfer.

If you are subject to GDPR (EU) or CCPA (California), you may request access, correction, or deletion of your personal data by contacting support@marketneutralstrategy.com
 

7. Retention of Data
 

We retain personal information only as long as necessary to fulfill the purposes outlined, comply with legal obligations, or resolve disputes.
 

8. Children’s Privacy
 

The Services are not intended for individuals under 18. We do not knowingly collect information from minors.
 

9. Updates to this Privacy Policy
 

We may update this Privacy Policy from time to time. Updates will be posted to the website with a revised effective date.