Terms of Service

Effective Date: August 24, 2025
Last Updated: August 24, 2025

Agreement to Terms

By accessing or using the Modigin website at modigin.com (the "Service") operated by Modigin ("us," "we," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, then you may not access the Service.

IMPORTANT: These Terms contain provisions that limit our liability to you and require you to resolve disputes with us through binding arbitration rather than in court.

Description of Service

Modigin provides:

  • Educational content about options trading and market analysis
  • Trading tools and calculators for options analysis
  • Research reports and market insights
  • Subscription-based premium content and tools
  • Community features and user interaction capabilities

Our services are designed for educational and informational purposes to help users make more informed trading decisions.

Eligibility and Account Registration

Age and Legal Capacity

  • You must be at least 18 years old to use our Service
  • You must have the legal capacity to enter into binding contracts
  • You must comply with all local, state, and federal laws regarding online services

Account Creation

  • You may need to create an account to access certain features
  • You are responsible for maintaining the confidentiality of your account credentials
  • You are responsible for all activities that occur under your account
  • You must provide accurate, current, and complete information during registration
  • You must promptly update account information when it changes

Prohibited Users

You may not use our Service if you are:

  • Located in a country subject to a U.S. Government embargo
  • Listed on any U.S. Government list of prohibited or restricted parties
  • Under the age of 18 or otherwise legally incapable of entering contracts

Financial Disclaimer and Investment Risk

NOT FINANCIAL ADVICE

IMPORTANT: The information provided through our Service is for educational and informational purposes only. It is NOT:

  • Financial advice or investment advice
  • Trading recommendations or solicitations
  • Guarantees of investment performance
  • Personalized investment guidance

Investment Risks

  • All trading involves substantial risk of loss
  • Past performance does not guarantee future results
  • You may lose some or all of your invested capital
  • Options trading is particularly risky and may not be suitable for all investors
  • Market conditions can change rapidly and unpredictably

Your Responsibility

  • You are solely responsible for your trading and investment decisions
  • You should consult with qualified financial advisors before making investment decisions
  • You should only trade with capital you can afford to lose
  • You acknowledge that you understand the risks involved in trading

Acceptable Use Policy

Permitted Uses

You may use our Service to:

  • Access educational content and trading tools
  • Participate in community discussions (where available)
  • Download resources for personal, non-commercial use
  • Subscribe to premium services and content

Prohibited Uses

You may NOT use our Service to:

  • Engage in any unlawful activities or fraud
  • Violate any applicable laws or regulations
  • Infringe on intellectual property rights
  • Distribute malware, viruses, or harmful code
  • Spam, harass, or abuse other users
  • Manipulate or interfere with the Service's functionality
  • Use automated systems (bots) without permission
  • Resell or redistribute our content without authorization
  • Provide false or misleading information
  • Use the Service for commercial purposes without permission

Account Suspension

We reserve the right to suspend or terminate your account if you violate these Terms or engage in prohibited activities.

Intellectual Property Rights

Our Content

All content on our Service is protected by intellectual property laws, including:

  • Text, images, videos, and audio content
  • Trading tools, calculators, and software
  • Research reports and analysis
  • Website design and functionality
  • Trademarks, logos, and branding

Your License

We grant you a limited, non-exclusive, non-transferable license to:

  • Access and use our content for personal, non-commercial purposes
  • Download resources as specifically permitted
  • Use our tools and calculators for your own trading analysis

Restrictions

You may NOT:

  • Copy, modify, or distribute our content without permission
  • Create derivative works based on our content
  • Use our content for commercial purposes
  • Remove copyright or proprietary notices
  • Reverse engineer our software or tools

User-Generated Content

If you submit content to our Service (comments, feedback, etc.):

  • You retain ownership of your content
  • You grant us a license to use, display, and distribute your content
  • You represent that you have the right to submit the content
  • You agree not to submit inappropriate or illegal content

Subscription Services and Payments

Premium Services

We may offer subscription-based premium services including:

  • Advanced trading tools and calculators
  • Premium research reports and analysis
  • Real-time alerts and notifications
  • Enhanced customer support

Billing and Payment

  • Subscription fees are charged in advance
  • All fees are non-refundable unless otherwise stated
  • You authorize us to charge your payment method
  • You are responsible for keeping payment information current
  • Price changes will be communicated with advance notice

Cancellation

  • You may cancel your subscription at any time
  • Cancellation takes effect at the end of the current billing period
  • You will continue to have access until the end of the paid period
  • No refunds are provided for partial billing periods

Free Trials

  • We may offer free trials for premium services
  • Trials automatically convert to paid subscriptions unless canceled
  • Trial terms and conditions will be clearly disclosed
  • Only one trial per user is permitted

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 by reference into these Terms.

Key privacy points:

  • We collect information necessary to provide our services
  • We use cookies and tracking technologies to improve user experience
  • We may share information with service providers and as required by law
  • You have certain rights regarding your personal information
  • We implement security measures to protect your data

Disclaimers and Limitation of Liability

Service Availability

  • Our Service is provided "as is" and "as available"
  • We do not guarantee uninterrupted or error-free service
  • We may modify, suspend, or discontinue the Service at any time
  • Technical issues may occasionally affect service availability

Accuracy of Information

  • We strive for accuracy but do not guarantee all information is error-free
  • Market data may be delayed or inaccurate
  • You should verify information independently before making trading decisions
  • We are not responsible for errors in third-party data sources

LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • We disclaim all warranties, express or implied
  • We are not liable for indirect, incidental, or consequential damages
  • Our total liability to you is limited to the amount you paid for our services
  • We are not liable for trading losses or investment damages
  • We are not responsible for third-party actions or content

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from:

  • Your use of our Service
  • Your violation of these Terms
  • Your trading activities or investment decisions
  • Your violation of any third-party rights

Third-Party Services and Links

External Links

Our Service may contain links to third-party websites or services:

  • We do not control or endorse third-party content
  • Third-party services have their own terms and privacy policies
  • We are not responsible for third-party actions or content
  • Links do not constitute endorsements or recommendations

Integrated Services

We may integrate with third-party services (payment processors, data providers):

  • These services are governed by their own terms
  • We are not responsible for third-party service failures
  • You may need to agree to additional terms for third-party services

Termination

Termination by You

  • You may terminate your account at any time
  • You may stop using our Service at any time
  • Termination does not relieve payment obligations

Termination by Us

We may terminate your access if:

  • You violate these Terms or our policies
  • You engage in fraudulent or illegal activities
  • Your account remains inactive for extended periods
  • We discontinue the Service

Effect of Termination

Upon termination:

  • Your access to the Service will cease
  • You must stop using our content and tools
  • Provisions regarding liability and indemnification survive termination
  • You remain responsible for any outstanding payments

Dispute Resolution

Informal Resolution

Before pursuing formal legal action, you agree to:

  • Contact us first to attempt resolution
  • Provide detailed information about the dispute
  • Give us a reasonable opportunity to address the issue

Binding Arbitration

IMPORTANT - PLEASE READ CAREFULLY:

You agree that any dispute arising from these Terms will be resolved through binding arbitration rather than in court, except for:

  • Small claims court matters (under $10,000)
  • Intellectual property disputes
  • Injunctive relief matters

Arbitration Terms:

  • Governed by the Federal Arbitration Act
  • Conducted by the American Arbitration Association (AAA)
  • Individual arbitration only (no class actions)
  • Located in North Carolina, Catawba County
  • You pay standard AAA filing fees

Class Action Waiver

You agree not to participate in class actions, collective actions, or representative proceedings against us.

Modifications to Terms

Right to Modify

We reserve the right to modify these Terms at any time:

  • Changes will be posted on this page
  • Material changes will be communicated via email or website notice
  • Your continued use constitutes acceptance of changes
  • You should review Terms periodically

Notification of Changes

For significant changes, we will provide:

  • At least 30 days advance notice
  • Clear explanation of changes
  • Opportunity to terminate if you disagree

General Legal Provisions

Governing Law

These Terms are governed by the laws of North Carolina, without regard to conflict of law principles.

Severability

If any provision of these Terms is found unenforceable, the remaining provisions continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service.

No Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or any other provision.

Assignment

You may not assign these Terms without our written consent. We may assign these Terms without restriction.

Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control.

Regulatory Compliance

Securities Laws

  • Our Service is not a broker-dealer or investment advisor
  • We are not registered with the SEC or other financial regulators
  • We do not execute trades or hold customer funds
  • Users are responsible for compliance with applicable securities laws

Tax Obligations

  • You are responsible for all tax obligations related to your trading activities
  • We may provide tax documentation as required by law
  • Consult with tax professionals regarding your specific situation

Contact Information

If you have any questions about these Terms of Service, please contact us:

Email: legal@modigin.com
Website: https://modigin.com/contact
Address: 526 11th Ave Cir NW, Hickory, NC 28601

For legal inquiries, please use the subject line "Terms of Service Inquiry" to ensure proper handling.

Acknowledgment

By using our Service, you acknowledge that:

  • You have read and understood these Terms
  • You agree to be bound by these Terms
  • You understand the risks involved in trading
  • You will use our Service in compliance with all applicable laws

These Terms of Service were last updated on August 24, 2025. Please review them regularly as they may be updated from time to time.