Master Terms of Service and Customer Agreement

CA1. 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.

CA2. 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.

CA3. 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.

CA4. 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.

CA5. 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.

CA6. 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.

CA7. 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.

CA8. 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.

CA9. 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.

CA10. 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.

CA11. 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.

CA12. 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.

CA13. 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.

CA14. 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.

CA15. 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.

CA16. 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.

CA17. 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.

CA18. 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.

CA19. 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.

CA20. 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.

CA21. 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.

CA22. 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.

CA23. 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.

CA24. 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.

CA25. 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.

CA26. 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.

CA27. 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.

CA28. 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.

CA29. 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.

CA30. 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.

CA31. 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.

CA32. 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.

CA33. 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.

CA34. 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.

CA35. 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.

CA36. 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.

CA37. 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.

RD1. Purpose and Incorporation

This Risk Disclosure Statement applies to all Services provided by MadStockAlerts, a brand owned and operated by MD-Money, LLC d/b/a MADSTOCKALERTS. It is incorporated into the Terms of Service, subscription terms, website terms, customer agreement, refund policy, privacy policy, community rules, and other applicable agreements. By using the Services, you acknowledge that you have read and accepted this Risk Disclosure Statement.

RD2. Educational and Informational Purposes Only

All content, alerts, reports, scanner outputs, watchlists, charts, videos, commentary, community discussions, AI-generated analysis, and other materials are for educational, informational, research, and general market commentary purposes only. The Company does not provide personalized investment advice and does not recommend that you buy, sell, hold, short, cover, trade, or avoid any security based on your personal circumstances.

RD3. No Guarantee of Profits

The Company does not guarantee profits, returns, performance, accuracy, or success. Any trade idea, alert, scanner result, chart pattern, news catalyst, AI score, analyst comment, or market thesis may be wrong. You may lose money by acting on information provided through the Services. You may also lose money by failing to act, acting late, acting too early, using the wrong position size, failing to exit, failing to use risk controls, or misunderstanding information.

RD4. Risk of Loss

Trading and investing involve substantial risk. You may lose part of your investment, all of your investment, more than expected in volatile conditions, or more than your initial capital if using margin, leverage, short selling, or derivatives. You should not trade with money you cannot afford to lose. Stock alerts are not FDIC-insured, are not guaranteed by the Company, and may lose value.

RD5. Market, Volatility, Liquidity, and News Risks

The value of securities can rise or fall rapidly because of earnings reports, analyst actions, economic reports, interest rates, inflation, geopolitical events, regulatory developments, litigation, management changes, sector rotation, liquidity changes, market sentiment, unexpected news, rumors, or broad market downturns. Illiquid securities may be difficult to buy or sell without affecting price. Volatile securities can move sharply within seconds or minutes. News catalysts may be misunderstood, overstated, corrected, delayed, or already priced into a security.

RD6. Stock Alert and Execution Risk

Stock alerts are inherently uncertain. An alert may identify a potential setup, but the setup may fail. A stock may move opposite expectations, gap before you enter or exit, fail to reach a target, or lose liquidity. Individual results may differ because of alert delivery delays, email/SMS/Discord/app/internet issues, brokerage delays, order routing, bid-ask spreads, liquidity, slippage, volatility, trading halts, pre-market or after-hours conditions, or subscriber error.

RD7. Small-Cap, Microcap, Penny Stock, and Low-Float Risk

Small-cap, microcap, penny stock, and low-float securities may involve heightened risk, including limited operating history, limited public information, high volatility, manipulation risk, wider spreads, lower liquidity, dilution, financing risk, delisting risk, promotional activity, and pump-and-dump risk. Use extreme caution when trading speculative securities.

RD8. Pump-and-Dump, Promotional, and Social Media Risk

Some securities may be subject to promotional campaigns, misleading claims, coordinated hype, social media manipulation, or pump-and-dump schemes. Social media platforms, group chats, message boards, Discord servers, X/Twitter, StockTwits, Reddit, YouTube, and other communities may contain inaccurate, misleading, manipulated, promotional, incomplete, or fraudulent information. Never make investment decisions based solely on social media activity.

RD9. Technical, Fundamental, Sentiment, and Filing Analysis Risk

Technical indicators and chart patterns may fail. Fundamental analysis may be incomplete or wrong. Sentiment data may be unreliable and may indicate overcrowding rather than opportunity. SEC filings, press releases, and corporate disclosures can be complex and may be misinterpreted. Company summaries may omit details or fail to capture full legal or financial implications.

RD10. AI and Algorithmic Analysis Risk

AI-generated content, scanner scores, rankings, summaries, and reports may be wrong. AI systems may misinterpret data, hallucinate facts, omit material information, use stale information, overstate confidence, misclassify sentiment, misread news, generate inaccurate summaries, fail to understand market context, or produce outputs that sound authoritative but are incorrect. AI tools are decision-support tools only and are not substitutes for independent research, professional advice, or risk management.

RD11. Limitations of AI-Assisted and Algorithmic Outputs

AI-assisted and algorithmic outputs depend on the quality, completeness, timeliness, and reliability of the underlying data, assumptions, and methodologies. Where reasonably practicable, the Company will identify the material data sources and the date or period through which the data is current. Outputs may be affected by delayed, incomplete, inaccurate, or unavailable information; programming or model errors; changing market conditions; and limitations inherent in statistical, algorithmic, or artificial-intelligence systems. No model can reliably predict every market event or eliminate the risk of loss.

RD12. Human Review and User Responsibility

The degree of human review may vary depending on the type of content and method of delivery. The Company may publish certain outputs automatically, while other research, alerts, or commentary may receive human review before publication. The presence of human review does not guarantee that an output is accurate, complete, timely, or appropriate for any particular user. Each user remains responsible for independently evaluating and verifying an output before making an investment or trading decision.

RD13. Methodology Changes and Correction Procedures

The Company may modify its models, data sources, screening criteria, scoring methods, assumptions, and other methodologies as its systems develop. Material methodology changes may affect the frequency, content, comparability, or historical performance of outputs and will be disclosed when reasonably necessary to prevent prior or current presentations from becoming misleading. If the Company identifies a material error, it may withdraw, correct, or supplement the affected output. Corrections will be identified as such and, where practicable, appended to the original record rather than substituted without notice.

RD14. Meaning and Limitations of AI-Related Claims

References to “AI-powered,” “algorithmic,” “automated,” or similar functionality describe the Company’s actual use of documented technology and workflows to assist in generating, analyzing, scoring, organizing, or delivering generally published content. These descriptions do not represent that the Company’s systems possess guaranteed predictive ability, will identify every opportunity or risk, or will produce profitable or error-free results. No statement concerning the Company’s technology should be understood as a promise of investment performance or as a substitute for a user’s independent judgment.

RD15. Scanner Risk

Scanner tools may identify securities based on rules, filters, technical indicators, news keywords, volume changes, social mentions, or AI scores. Scanner outputs are not recommendations. A scanner may miss opportunities, generate false positives, identify stocks that later decline, malfunction, or rely on inaccurate data. You are responsible for evaluating scanner outputs independently.

RD16. Options, Margin, Leverage, and Short Selling Risk

Options involve substantial risk and are not suitable for all investors. Options may expire worthless and are affected by time decay, implied volatility, liquidity, spreads, assignment risk, exercise risk, and complex pricing factors. Margin and leverage can magnify gains and losses and may result in losses greater than your initial investment. Short selling involves significant risk, including theoretically unlimited losses, short squeezes, borrow fees, recalls, and margin requirements.

RD17. After-Hours, Pre-Market, Halt, and Suspension Risk

Trading outside regular market hours may involve lower liquidity, wider spreads, greater volatility, limited order types, delayed price discovery, and higher execution risk. Trading may be halted, suspended, restricted, or otherwise interrupted. During a halt you may be unable to exit, and when trading resumes the security may open at a materially different price.

RD18. Tax, Regulatory, Suitability, Concentration, Position Sizing, Stop Loss, and Target Risks

Trading may create tax consequences, including short-term gains, wash sales, options taxation, and reporting obligations. Regulatory investigations, enforcement actions, exchange notices, delisting proceedings, litigation, or changes in law may affect securities. The Services are not tailored to your financial situation. Concentrating capital, using improper position sizes, relying on stop losses, or relying on price targets may cause losses.

RD19. Past Performance, Hypothetical Results, and Backtesting Risk

Past performance does not guarantee future results. Hypothetical, simulated, paper-traded, or backtested results have limitations and may not reflect real execution, slippage, commissions, taxes, spreads, liquidity, emotional factors, missed alerts, real-time decision-making, or market impact. Do not assume hypothetical results are achievable in live trading.

RD20. Technology, Cybersecurity, Third-Party Data, and Delivery Risk

Technology may fail. Risks include website downtime, app outages, email delivery failures, SMS delays, Discord outages, payment processor errors, data vendor outages, internet disruptions, cybersecurity incidents, software bugs, AI provider outages, and cloud hosting failures. Third-party information may be delayed, inaccurate, incomplete, or unavailable. The Company does not guarantee third-party data.

RD21. Conflicts of Interest, Affiliate Compensation & User-Generated Content

The Company and related parties may trade securities discussed in the Services and may hold positions before, during, or after discussion. The Company may receive compensation from affiliates, sponsors, advertisers, data vendors, software providers, platforms, or other third parties. Other subscribers may post opinions, trade ideas, claims, charts, rumors, screenshots, or performance claims. The Company does not guarantee user-generated content.

RD22. No Monitoring Obligation and No Duty to Update

The Company does not monitor your portfolio, positions, account, risk exposure, personal circumstances, or trading activity, and has no obligation to update you regarding any position you enter. Market conditions may change after an alert, report, or comment, and the absence of an update does not mean the original analysis remains valid.

RD23. Subscriber Acknowledgment

By using the Services, you acknowledge that you understand the Services are educational and informational only; the Company does not provide personalized investment advice; trading and investing involve substantial risk; you may lose money and all invested capital; you are solely responsible for your decisions; you will not rely solely on the Services; you accept all risks; and you release the Company from responsibility for trading and investment losses to the maximum extent permitted by law.

RC1. Scope

This Refund and Cancellation Policy applies to subscriptions, memberships, renewals, promotional plans, lifetime or founder plans, and other paid Services offered by MadStockAlerts, owned and operated by MD-Money, LLC d/b/a MADSTOCKALERTS. It supplements the Terms of Service. If this Policy conflicts with the Terms, the Terms control unless this Policy gives the subscriber a more specific refund procedure.

RC2. Billing

Subscription fees are billed in advance through payment processors including Stripe, PayPal, Plaid, and any successor or additional processors. Monthly plans bill each month and annual plans bill each year on or around the date you subscribed, unless otherwise stated at checkout. Taxes and fees may apply.

RC3. Automatic Renewal

Recurring subscriptions renew automatically at the then-current price unless cancelled before the renewal date. Renewal terms will be disclosed at checkout or in account/billing flows. You are responsible for cancelling before renewal if you do not wish to continue. Failure to use the Services does not cancel your subscription.

RC4. Cancellation

You can cancel future renewals from your account, through the payment processor where available, or by emailing mad@madstockalerts.com. Cancellation stops future renewals; it does not retroactively refund the current billing period except as expressly stated in this Policy or required by law. You typically keep access until the end of the paid period unless your account is terminated for violation of the Terms.

RC5. 24-Hour Refund Request Window

Refunds will only be processed if requested within twenty-four (24) hours for first time subscriptions only. The 24-hour window applies to the first purchase on an account on every plan we sell, including a lifetime or founder membership. There is no 24-hour refund window for a renewal charge. To request a refund, email mad@madstockalerts.com within the 24-hour window and include the account email, transaction date, amount, and reason for the request.

Refund requests submitted after the 24-hour window are not eligible for refund unless required by law or expressly approved in writing by the Company. After the 24-hour window, all sales are final. Further, as stated, renewals are not refundable and have no refund window.

RC6. Non-Refundable Items

• Subscription fees after the 24-hour refund-request window for new subscriptions (first signup). Renewals are not refundable and there is no refund-request window for renewals.
• Lifetime, founder, promotional, discounted, bundled, beta, early-access, one-time, or special-offer memberships AFTER the 24-hour refund-request window. These plans carry the same 24-hour window on the first purchase as any other plan; what is non-refundable is the charge once that window has closed.
• Partial months, unused time, failure to use the Services, failure to log in, leaving a community, disabling alerts, or dissatisfaction with market outcomes.
• Trading losses, missed alerts, delayed alerts, brokerage errors, execution issues, market losses, or subscriber error.
• Accounts suspended or terminated for violation of the Terms, account sharing, content redistribution, chargeback abuse, harassment, unlawful activity, or misuse of the Services.

RC7. How to Cancel

• Log into your MadStockAlerts account and follow the available cancellation instructions.
• Cancel through the applicable payment processor, if the subscription was created or managed through that processor.
• Email mad@madstockalerts.com requesting cancellation. The request should include the account email and a clear statement that you wish to cancel future renewals.
• You must cancel before the renewal date to avoid the next charge. We recommend cancelling at least seventy-two (72) hours before renewal to allow processing time.

RC8. Important SMS and Alert Delivery Note

Texting STOP to SMS/text alerts only opts your phone number out of SMS delivery where supported. Texting STOP does not cancel your subscription, does not stop automatic renewal payments, does not terminate your account, and does not create a refund right. Similarly, unsubscribing from email, disabling app notifications, leaving Discord, or blocking communications does not cancel billing.

RC9. Failed Payments and Access Suspension

If a payment fails, we may retry the charge, request updated payment information, suspend access, or cancel the subscription. Repeated payment failures may result in cancellation. You remain responsible for unpaid amounts where permitted by law.

RC10. Chargebacks and Billing Disputes

Please contact mad@madstockalerts.com before initiating a chargeback so we can investigate and attempt to resolve the issue. Initiating a chargeback without first contacting customer support, or initiating a false or abusive chargeback, may result in account suspension or termination and may affect future eligibility for Services. The Company reserves all rights to contest improper chargebacks and recover fees, costs, and amounts owed where permitted by law.

RC11. Company Discretion and Legal Requirements

The Company may, in its sole discretion, provide a refund, credit, extension, or courtesy accommodation in individual cases. Doing so once does not obligate the Company to do so again and does not modify this Policy. Nothing in this Policy limits non-waivable rights you may have under applicable law.

RC12. Contact

Billing questions, cancellation requests, and refund requests should be sent to mad@madstockalerts.com, or by mail to MD-Money, LLC d/b/a MADSTOCKALERTS, 215 S Century Ave # 321, Waunakee, WI 53597.

PP1. Introduction

MadStockAlerts is operated by MD-Money, LLC d/b/a MADSTOCKALERTS (the “Company,” “we,” “us,” or “our”). This Privacy Policy explains what information we collect, how we use it, how we share it, and the choices you have. It applies to our website, subscriptions, payment flows, alerts, community channels, SMS/text alerts, email alerts, app or browser notifications, scanner tools, AI-assisted features, and related Services.

PP2. No Advisory Profiling

The Company does not use personal financial information, brokerage credentials, portfolio holdings, investment objectives, or risk-tolerance information to generate individualized securities recommendations. If the Company later proposes to collect or use such information, it will complete legal and privacy review and provide updated notices before implementation.

PP3. Information We Collect

• Account information, including name, email address, username, password or authentication data, and account preferences.
• Contact information, including email address, phone number, mailing address if provided, and support communications.
• Billing and transaction information processed through Stripe, PayPal, Plaid, and other processors; we do not intentionally store full card numbers.
• Usage, device, and log data, including IP address, browser type, operating system, device identifiers, pages viewed, referring/exit pages, date/time stamps, approximate location, cookies, and interaction data.
• Alert delivery data, including SMS opt-in status, email delivery, push notification status, Discord/community participation, and communication preferences.
• Community content, comments, messages, screenshots, testimonials, reviews, or other content you choose to submit.
• Fraud prevention, security, and compliance information.

PP4. How We Use Information

• Provide, operate, maintain, and improve the Services.
• Process orders, subscriptions, renewals, cancellations, refunds, and billing support.
• Deliver alerts, emails, SMS/text messages, Discord/community access, app notifications, and account communications.
• Provide support, respond to inquiries, resolve incidents, and communicate with you.
• Personalize and improve product features, analytics, scanner tools, and user experience.
• Understand usage, test features, develop new products, and measure performance.
• Send marketing and promotional communications where permitted.
• Detect, prevent, and investigate fraud, abuse, chargebacks, account sharing, security incidents, and violations of our Terms.
• Comply with legal obligations and enforce our rights.

PP5. Data Minimization and Restricted Submissions

The Company collects personal information reasonably necessary to provide and secure the Services, administer subscriptions, deliver user-selected Published Content, communicate with users, comply with law, and improve the platform. Users should not provide brokerage passwords, private keys, Social Security numbers, full financial-account numbers, or another person’s sensitive information through the Services. The Company does not require those items, or a user’s broader financial profile, to provide its publishing services.

PP6. Payment Processing

Payments and payment-related services may be handled by third-party processors including Stripe, PayPal, Plaid, and their successors or service providers. Your payment details are provided directly to those processors under their own terms and privacy policies. We receive limited transaction information such as payment status, plan, amount, date, last four digits of a card where applicable, billing email, and related fraud or dispute information.

PP7. Cookies, Analytics, Pixels, and Similar Technologies

We use cookies and similar technologies, including browser local storage, to keep you signed in, remember your preferences such as display theme, secure the Services, including protection against bots and abuse, and improve performance. We may also measure how the Services are used with first-party, cookie-free analytics, such as aggregate page views and referral sources, which do not identify you across other sites. We do not use third-party advertising cookies, tracking pixels, web beacons, or cross-site tracking technologies. If that ever changes, we will update this Policy first and provide any notice or choice the law requires. You can control cookies through browser settings, though some features may not work without them.

PP8. How We Share Information

We do not sell your personal information. We may share information with service providers who help us operate the Services, including hosting providers, payment processors, email and SMS providers, analytics providers, customer support tools, community platforms, security providers, AI providers, professional advisers, and other vendors. We may also disclose information when required by law, to enforce our agreements, to prevent fraud or abuse, to protect rights and safety, or in connection with a merger, acquisition, financing, or sale of assets.

PP9. Your Communications Choices

You may unsubscribe from marketing emails through the link in those emails or by contacting mad@madstockalerts.com. You may opt out of SMS alerts by replying STOP where supported; however, texting STOP only stops SMS delivery and does not cancel a paid subscription or automatic renewal. Service, billing, legal, and account-related messages may still be sent where permitted.

PP10. Data Retention

We retain personal information for as long as needed to provide the Services, maintain business records, comply with legal obligations, resolve disputes, enforce agreements, prevent fraud, and protect legal rights. We may retain limited records after account cancellation where necessary for accounting, tax, fraud prevention, security, legal defense, and compliance purposes.

PP11. Account Closure and Retention

Cancelling a subscription stops future renewals but does not itself delete the user’s account or personal information. A user may separately request account closure or deletion through the stated contact method. The Company may retain information for disclosed periods when reasonably necessary for billing and tax records, security and fraud prevention, legal claims, publication and performance substantiation, regulatory obligations, marketing suppression, and enforcement of its agreements. After the applicable period, information will be deleted, deidentified, or securely disposed of under the Company’s retention schedule.

PP12. Security

We use reasonable administrative, technical, and physical safeguards designed to protect information. No method of transmission or storage is completely secure. You are responsible for securing your account credentials, devices, email account, phone number, brokerage accounts, and third-party accounts.

PP13. Your Privacy Rights

Depending on where you live, you may have rights to access, correct, delete, restrict, object to, or receive a copy of personal information; opt out of certain processing; withdraw consent; or appeal a privacy decision. To exercise rights, contact mad@madstockalerts.com. We may verify your identity and may deny requests where permitted by law.

PP14. GDPR/EEA/UK Notice

If GDPR, UK GDPR, or similar laws apply, the Company is the controller of personal information unless otherwise stated. Legal bases may include performance of a contract, consent, legitimate interests, compliance with legal obligations, and protection of rights. You may have rights to lodge a complaint with a supervisory authority.

PP15. California and U.S. State Privacy Notice

If California or other U.S. state privacy laws apply, you may have rights to know, access, correct, delete, obtain a copy of, or opt out of certain uses of personal information. We do not knowingly sell personal information. We may share data with service providers and analytics or advertising partners as described in this Policy.

PP16. Children’s Privacy

The Services are not directed to children or individuals under 18. We do not knowingly collect personal information from children under 13. If you believe a child provided information, contact us and we will take reasonable steps to delete it.

PP17. International Users

The Services are operated from the United States. If you access the Services from outside the United States, you understand that information may be processed in the United States and other jurisdictions that may have different data protection laws.

PP18. Changes and Contact

We may update this Privacy Policy from time to time and will post the updated version with a new effective date. Questions or privacy requests may be sent to mad@madstockalerts.com, or by mail to MD-Money, LLC d/b/a MADSTOCKALERTS, 215 S Century Ave # 321, Waunakee, WI 53597.