Customer Agreement

1. Important Notice

These Master Terms of Service and Customer Agreement (the “Terms” or “Agreement”) govern your access to and use of the Services provided by MadStockAlerts, a brand and trade name owned and operated by MD-Money, LLC d/b/a MADSTOCKALERTS (the “Company,” “we,” “us,” or “our”).

The Services are provided for educational, informational, research, and general market commentary purposes only. The Company does not provide personalized investment advice, individualized recommendations, financial planning, tax advice, legal advice, accounting advice, brokerage services, portfolio management, or fiduciary services.

You are solely responsible for your own investment decisions, trading decisions, account activity, portfolio allocation, risk management, position sizing, entry decisions, exit decisions, and resulting gains or losses.

2. Acceptance of Terms

By purchasing, subscribing to, accessing, viewing, downloading, receiving, or using any Services, you agree to be bound by this Agreement, the Risk Disclosure Statement, Publisher Disclaimer and Regulatory Disclosure, Privacy Policy, Refund and Cancellation Policy, Earnings and Performance Disclaimer, posted community rules, checkout terms, and any other terms incorporated by reference.

If you do not agree, you must not purchase, access, receive, or use the Services. Your electronic acceptance has the same legal effect as a handwritten signature.

3. Description of Services

The Company may provide stock alerts and trade ideas; watchlists; chart analysis; technical, fundamental, sentiment, and catalyst analysis; market commentary; news summaries; earnings, insider, and SEC filing summaries; scanner outputs; AI-assisted research reports; educational materials; community discussion channels; live or recorded sessions; email, SMS/text, Discord, app, web, and social media alerts; alert archives; performance summaries; and related software, research, or informational services.

The Company may modify, add, remove, suspend, discontinue, or replace any feature, service, channel, report, scanner, alert type, platform, or membership benefit at any time, with or without notice, unless otherwise prohibited by law.

4. Educational and Informational Purposes Only; No Personalized Advice

All Services are impersonal educational publications and general market commentary. Nothing provided by the Company should be interpreted as a personalized investment recommendation; a recommendation suitable for your specific circumstances; financial, tax, legal, accounting, brokerage, retirement, or estate-planning advice; a fiduciary recommendation; a guarantee of performance; or a solicitation to buy, sell, hold, short, cover, trade, or avoid any security.

The Company does not know your financial condition, investment objectives, tax status, investment experience, risk tolerance, liquidity needs, investment time horizon, portfolio, income, net worth, age, employment status, or personal circumstances. Because of this, the Company cannot determine whether any alert, scanner output, watchlist, research report, or market commentary is appropriate for you.

5. Nature of Published Content

The Services are publications of impersonal financial information, research, opinion, commentary, and educational material. Published Content may discuss particular securities and may include entries, exits, targets, stops, ratings, rankings, or directional views. Such content is prepared for an audience or subscriber tier and is not prepared for, delivered only to, or adapted to the circumstances of any particular person.

6. No Investment Adviser, Broker-Dealer, or Fiduciary Relationship

The Company is not registered as an investment adviser with the U.S. Securities and Exchange Commission or any state securities regulator and is not registered as a broker-dealer. The Company relies, as applicable, on the publisher’s exclusion from the definition of “investment adviser” under Section 202(a)(11)(D) of the Investment Advisers Act of 1940 and corresponding state law principles.

No advisory, fiduciary, broker-client, planner-client, attorney-client, accountant-client, or similar professional relationship is created by your use of the Services. The Company does not manage assets, place trades, monitor your portfolio, have custody of customer funds or securities, or exercise discretionary authority over any brokerage account.

7. Subscriber Responsibility and Independent Decision-Making

You are solely responsible for conducting your own research; evaluating risks; determining suitability; deciding whether, when, and how to enter or exit any trade; setting your own position size, stops, and targets; monitoring positions; managing brokerage accounts; understanding market, liquidity, volatility, and execution risks; complying with law and brokerage requirements; and all gains, losses, fees, commissions, taxes, margin interest, and other consequences arising from your activity.

You agree that you will not rely solely on the Services when making any investment decision and that you will consult qualified professionals before making decisions that may affect your finances.

8. Alerts Are Not Instructions to Trade

Any alert, trade idea, watchlist, scanner output, report, chart, comment, rating, score, or analysis is not an instruction, directive, or requirement to buy, sell, hold, short, cover, trade, or avoid any security. Terms such as “alert,” “trade idea,” “setup,” “entry zone,” “target,” “stop,” “high conviction,” “breakout,” “bullish,” “bearish,” or “risk/reward” are used for educational and informational purposes only.

You may disregard any alert. You are responsible for deciding whether, when, and how to act, if at all.

9. Filters and Alerts

A subscriber may select symbols, topics, sectors, strategies, delivery channels, or other content-neutral filters. A filter only retrieves or delivers Published Content that is or will be available to every subscriber using the same filter. The Company will not use a subscriber’s portfolio, account balance, objectives, risk tolerance, tax status, liquidity needs, or other personal financial circumstances to create a recommendation for that subscriber.

10. No Guarantee of Accuracy, Timeliness, Completeness, Profits, or Results

The Company attempts to provide useful information but does not guarantee that any information is accurate, complete, timely, reliable, current, error-free, or suitable for any purpose. Information may be delayed, incorrect, incomplete, outdated, misinterpreted, or unavailable.

The Company does not guarantee profits, returns, trading success, investment performance, accuracy of forecasts, avoidance of losses, profitable alerts, scanner profitability, accurate AI-generated scoring, or success of any strategy. Past performance is not a dependable indicator of future results.

11. Investment and Trading Risk

Trading and investing involve substantial risk, including the loss of part or all of your capital and, in some circumstances involving margin, options, leverage, or short selling, losses greater than your initial investment. You should not trade with money you cannot afford to lose.

Stocks, small-cap securities, microcap securities, penny stocks, options, leveraged products, volatile securities, short-term trades, pre-market and after-hours trading, and illiquid securities may involve especially high risk.

12. No Portfolio Services or Trade Implementation

The Company does not review or monitor subscriber portfolios; recommend allocations or position sizes based on subscriber circumstances; rebalance accounts; transmit orders; select a broker; obtain trading discretion; custody funds or securities; or enable automatic, mirrored, or copy trading. Any future feature that performs one of these functions will require separate legal review and written terms before release.

13. Alert Delivery, Execution, and Technology Risk

Individual results may differ from any stated alert, model trade, or example because of delayed receipt of alerts, delayed action, email/SMS/Discord/app/web/internet issues, brokerage execution delays, slippage, bid-ask spreads, liquidity constraints, volatility, order type, partial fills, market halts, platform outages, or subscriber error.

The Company is not responsible for trading losses caused by alert delays, delivery failures, technology failures, internet outages, data outages, third-party platform outages, payment processor errors, or brokerage execution issues.

14. AI-Generated and Scanner Content

The Services may include AI-assisted or AI-generated analysis, summaries, rankings, scores, reports, alerts, and commentary. Such outputs may contain inaccuracies, omissions, hallucinations, calculation errors, outdated information, unsupported conclusions, or incomplete context.

Scanner outputs may identify securities based on filters, news keywords, technical indicators, volume changes, social mentions, or AI scores. Scanner outputs are not recommendations and may miss opportunities, generate false positives, malfunction, or rely on inaccurate data. You must independently verify all content.

15. Performance Information, Testimonials, and Examples

The Company may publish historical alerts, examples, trade reviews, performance summaries, screenshots, watchlist outcomes, backtests, hypothetical results, model results, paper-trading results, case studies, testimonials, social media posts, or customer comments. These materials are for illustration only, may not be typical, may omit losing examples, may involve selection bias, and do not predict your results.

Testimonials and endorsements reflect individual experiences only. The Company may not have access to subscribers’ brokerage statements and may not independently verify all claims. Your results will vary.

16. Conflicts of Interest and Trading by Related Persons

The Company, its founders, members, managers, officers, employees, contractors, affiliates, or related parties may hold, acquire, sell, short, cover, or otherwise trade securities discussed in the Services before, during, or after such securities are discussed. They may receive affiliate, sponsor, advertising, data-vendor, platform, or other compensation. These circumstances may create actual or potential conflicts of interest.

You are responsible for considering conflicts before making any decision. The Company may adopt internal policies regarding employee trading and conflicts, but no policy eliminates all potential conflicts.

17. Subscriptions, Fees, Billing, and Automatic Renewal

The Company may offer monthly, annual, lifetime, founder, trial, promotional, discounted, or other membership plans. By purchasing a subscription, you authorize the Company and its payment processors, including Stripe, PayPal, Plaid, and any successor or additional processors, to charge your selected payment method for all applicable fees, taxes, renewal charges, failed-payment recovery attempts, and other amounts due.

Subscription fees are charged in advance unless otherwise stated. Recurring subscriptions renew automatically at the then-current price unless cancelled before the renewal date. Failure to use the Services does not cancel your subscription. The Company may change pricing, plans, benefits, or billing terms prospectively by posting notice or providing notice through the Services.

18. Cancellation and Refunds

You may cancel future renewals through your account, the applicable payment processor, or by emailing mad@madstockalerts.com. Cancellation stops future renewals; it does not retroactively refund the current billing period unless required by law or expressly provided in the Refund and Cancellation Policy.

Refunds will only be considered if requested within twenty-four (24) hours after the initial purchase. Renewals will not be refundable. After the 24-hour refund-request window for initial purchase, all sales are final and subscription fees are non-refundable except where required by law or expressly agreed in writing by the Company. The Company may deny refund requests involving abuse, excessive use, violation of the Agreement, chargeback misuse, account sharing, or prior refund history.

Texting STOP, unsubscribing from email, leaving Discord, deleting an app, failing to log in, or not using the Services does not cancel automatic renewal or create a refund right.

19. Account Access and Security

You are responsible for maintaining the confidentiality of login credentials, payment credentials, device access, and communication channels. You may not share your account unless the Company expressly permits it. You are responsible for all activity under your account and must promptly notify the Company of suspected unauthorized access.

20. License and Intellectual Property

Unless otherwise stated, MadStockAlerts, MD-Money, LLC d/b/a MADSTOCKALERTS, and/or their licensors own all intellectual property rights in and to the Services, including alerts, reports, charts, watchlists, scanner outputs, AI reports, software, databases, text, graphics, branding, trademarks, logos, workflows, methodologies, templates, business processes, documentation, and materials. All rights are reserved.

During your active subscription, you receive a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access the Services for personal, non-commercial use only. You must not republish, sell, rent, sublicense, reproduce, duplicate, copy, redistribute, scrape, reverse engineer, train competing models on, or commercially exploit Company materials without written permission.

No use of the MadStockAlerts name, logos, trade dress, proprietary content, screenshots, alerts, or materials is permitted except as expressly authorized in writing.

21. Prohibited Conduct

• Share, resell, reproduce, scrape, copy, distribute, or publicly post paid content or scanner outputs.
• Use the Services to operate, support, train, or improve a competing service.
• Coordinate market manipulation, pump-and-dump activity, unlawful trading, deception, spam, harassment, or abusive conduct.
• Misrepresent Company alerts, results, performance, affiliation, endorsement, or ownership.
• Circumvent access controls, interfere with systems, attempt unauthorized access, or violate third-party terms.
• Post unlawful, misleading, defamatory, obscene, indecent, offensive, manipulative, infringing, or privacy-invasive content.

22. Community Rules and User-Generated Content

If the Services include Discord, social media groups, chats, forums, comments, live sessions, or member communities, you agree to follow all posted rules. The Company may monitor, moderate, remove, restrict, or delete content at its discretion and may suspend or terminate access for violations.

User-generated content reflects the views of the user posting it, not the Company. The Company is not responsible for member comments, third-party claims, subscriber-to-subscriber communications, or user-generated content. You grant the Company a non-exclusive, worldwide, royalty-free license to use, reproduce, edit, display, distribute, and create derivative works from content you submit in connection with operating, promoting, and protecting the Services.

23. Community Boundaries

Community channels and live sessions are forums for discussion of generally published market information. Company personnel will not answer requests for individualized advice, including whether a subscriber should buy, sell, hold, size, hedge, or exit a position based on that subscriber’s holdings or circumstances. Direct messages are limited to account support, moderation, and technical assistance.

24. Third-Party Platforms, Payment Processors, and Market Data

The Services may rely on third-party platforms and vendors, including Stripe, PayPal, Plaid, Discord, X/Twitter, StockTwits, email providers, SMS providers, mobile push providers, market data vendors, charting providers, news providers, AI providers, hosting providers, analytics providers, and other vendors. The Company does not control third-party platforms and is not responsible for their availability, accuracy, security, policies, outages, fees, delays, errors, or actions.

Certain market data, news, analytics, quotes, filings, or third-party content may be delayed or subject to vendor restrictions. The Company may limit, delay, modify, remove, or discontinue data or features to comply with licensing requirements. You may not redistribute market data or third-party content unless permitted.

25. Hyperlinking, iFrames, and External Content

Government agencies, search engines, news organizations, and online directory distributors may link to the public website so long as the link is not deceptive, does not falsely imply sponsorship or endorsement, and fits within the context of the linking party’s site. No use of Company logos, trademarks, content, or artwork is allowed without written permission.

Without prior written approval, you may not create frames, mirrors, embeds, or presentations around Company pages or content that alter the visual presentation, appearance, source, attribution, or context of the Services. The Company is not responsible for content appearing on third-party websites that link to or discuss the Services.

26. Privacy

The Company’s collection and use of personal information is governed by the Privacy Policy, which is incorporated by reference. The Company may collect information needed to operate subscriptions, process payments, deliver alerts, communicate with subscribers, improve Services, prevent fraud, protect rights, and comply with legal obligations.

27. Suspension and Termination

The Company may suspend, restrict, or terminate access at any time if it believes you have violated this Agreement, violated community rules, misused the Services, created legal or reputational risk, engaged in abusive conduct, shared paid content, initiated improper chargebacks, or otherwise acted inconsistently with the Company’s interests.

Termination does not eliminate obligations that by their nature should survive, including payment obligations, intellectual property restrictions, disclaimers, limitations of liability, indemnification, arbitration, governing law, and confidentiality obligations.

28. No Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, TIMELINESS, COMPLETENESS, RELIABILITY, AVAILABILITY, UNINTERRUPTED ACCESS, SECURITY, AND PROFITABILITY. THE COMPANY DOES NOT WARRANT THAT THE SERVICES WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, ACCURATE, PROFITABLE, OR SUITABLE FOR YOUR NEEDS.

29. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS FOUNDERS, MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AGENTS, REPRESENTATIVES, LICENSORS, VENDORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR SIMILAR DAMAGES, INCLUDING LOST PROFITS, TRADING LOSSES, INVESTMENT LOSSES, LOST OPPORTUNITIES, LOSS OF DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, OR ANY OTHER THEORY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY’S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES OR THIS AGREEMENT SHALL NOT EXCEED THE AMOUNT YOU PAID TO THE COMPANY DURING THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR $100, WHICHEVER IS GREATER. Some jurisdictions do not allow certain limitations, so some limitations may not apply.

30. Assumption of Risk and Release

You knowingly and voluntarily assume all risks associated with accessing the Services, using stock alerts, reviewing research, participating in communities, relying on scanner outputs, considering AI-generated analysis, making trading or investment decisions, and suffering trading or investment losses. To the maximum extent permitted by law, you release the Company from responsibility for trading and investment losses.

31. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its founders, members, managers, officers, employees, contractors, affiliates, agents, representatives, licensors, vendors, successors, and assigns from and against any claims, damages, losses, liabilities, costs, expenses, and attorneys’ fees arising out of or related to your use of the Services; your trading or investment activity; your violation of this Agreement or law; your violation of third-party rights; your user-generated content; your misuse or redistribution of the Services; your payment dispute or chargeback; or your reliance on information provided through the Services.

32. Arbitration, Class Action Waiver, and Jury Trial Waiver

Any dispute, claim, or controversy arising out of or relating to this Agreement, the Services, your subscription, your access to Company content, or your relationship with the Company shall be resolved by binding individual arbitration, except where prohibited by law or for claims the Company may bring to protect intellectual property, confidential information, unauthorized access, or misuse of the Services.

The arbitration shall be administered by the American Arbitration Association (“AAA”) in accordance with its applicable Consumer Arbitration Rules, as modified by this Agreement. The arbitration may be conducted by telephone, videoconference, written submissions, or in person, as permitted by the applicable AAA rules. To the extent an in-person hearing is required, the location shall be determined in accordance with the applicable AAA rules, provided that the arbitration shall not be conducted in a location that would unreasonably burden or preclude a consumer from participating. Unless otherwise required by applicable law or the AAA rules, the legal seat of arbitration shall be Dane County, Wisconsin. The arbitrator shall have authority to award relief only on an individual basis and only to the extent necessary to resolve the individual claim. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A JURY TRIAL AND EACH AGREE THAT CLAIMS MAY BE BROUGHT ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, COLLECTIVE, REPRESENTATIVE, PRIVATE ATTORNEY GENERAL, OR CONSOLIDATED PROCEEDING.

33. Governing Law and Venue

This Agreement shall be governed by the laws of the State of Wisconsin, without regard to conflict-of-law principles. Subject to the arbitration provision, any permitted court proceeding shall be brought exclusively in the state or federal courts located in Wisconsin, and you consent to personal jurisdiction and venue there.

34. No Reliance on Labels

These Terms describe the intended operation of the Services but do not substitute for compliance with applicable law. The Company will operate the Services consistently with these limitations.

35. Changes; Severability; Entire Agreement; Contact

The Company may update this Agreement from time to time. Updated terms may be posted on the website or provided through the Services. Continued use after updated terms become effective constitutes acceptance. If any provision is found unenforceable, the remaining provisions remain in effect, and the unenforceable provision shall be modified to the minimum extent necessary to make it enforceable if permitted by law.

This Agreement, together with incorporated documents, constitutes the entire agreement between you and the Company regarding the Services. Contact: mad@madstockalerts.com, or by mail to MD-Money, LLC d/b/a MADSTOCKALERTS, 215 S Century Ave # 321, Waunakee, WI 53597.

36. Material Service Changes

The Company may modify the Services in the ordinary course. If the Company permanently discontinues the material paid service or materially reduces the principal benefits of a prepaid plan during its stated term, the Company will provide reasonable advance notice and, as applicable, a commercially reasonable substitute, account credit, or pro rata refund for the unused portion of the affected term. This provision does not require compensation for temporary outages, changes required by law or a third-party platform, or removal of a feature that does not materially impair the purchased plan.

37. Electronic Acceptance and Records

A purchase is completed only after the subscriber is presented with the material price, renewal, cancellation, and refund terms and affirmatively accepts the linked agreements. The Company may retain electronic records of the version accepted, date and time, account, transaction, and method of acceptance. Electronic records and signatures may be used to form and evidence this Agreement.