GENERAL TERMS & CONDITIONS

Effective date: September 23, 2025

Last Update: September 23, 2025

This Terms & Conditions / Terms & Agreement (this “Agreement”) is entered into by and between Online Trading Campus LLC, a limited liability company duly organized and existing under the laws of the State of Wyoming, with its principal office at 30 N Gould St Ste R, Sheridan, WY 82801, United States, together with its subsidiaries and affiliates (collectively, the “Company,” “Online Trading Campus,” or “OTC”), and any individual or entity purchasing, accessing, or using OTC products or services (the “Customer”). By purchasing, accessing, or using any OTC product or service, the Customer agrees to be bound by this Agreement.

ARTICLE 1: AGREEMENT OVERVIEW AND ACCEPTANCE

1.1 Scope of Agreement.

This Agreement governs and regulates the Customer’s access to, and use of, OTC’s digital education products and services—including, without limitation, Undergrad, Blueprint, Professional, and Mastery (each a separate product with its own delivery), as well as course materials, online portals, live sessions, mentoring sessions, tools, indicators, and community spaces (collectively, the “Services”), regardless of device, platform, or network.

1.2 Acknowledgment and Acceptance.

The Services are intended solely for educational and informational purposes. By using the Services, the Customer confirms the Customer has read, understood, and agrees to be bound by this Agreement in its entirety, without modification; continued use constitutes ongoing acceptance.

1.3 Right to Decline (Pre-Acceptance).

If the Customer does not agree with any provision prior to first purchase/registration/access, the Customer must refrain from accessing or using any Services.

1.4 Post-Acceptance Discontinuation (No Retroactive Non-Acceptance).

If the Customer has already accepted under Clause 1.2, any later “decline” operates only as discontinuation on a go-forward basis and does not retroactively invalidate prior acceptance or negate accrued obligations; fees are non-refundable except as expressly provided in Article 10 (No-Refund / Discrepancies). For changes by OTC, continued use after modification constitutes acceptance under Article 17.2.

ARTICLE 2: DEFINITIONS

2.1 Customer.

“Customer” means any purchaser or user of the Services, whether an individual, sole proprietor, partnership, or incorporated entity.

2.2 Educator.

“Educator” means OTC educators, mentors, team members, contractors, or representatives delivering any form of content or communication. All content delivered by any Educator is Proprietary Material.

2.3 Live Session.

“Live Session” means any live or recorded session hosted by OTC or an Educator, including trading demonstrations or walkthroughs, provided solely for educational/informational purposes and remaining Proprietary Material.

2.4 Mentoring Session.

“Mentoring Session” means any one-to-one or group session delivered by OTC or an Educator, real-time or pre-recorded, provided exclusively for educational purposes and not to be recorded, copied, or shared by the Customer.

2.5 Proprietary Material.

“Proprietary Material” means all non-public or paywalled content, including pre-recorded materials, live/mentoring content, Discord/community content, proprietary indicators, tools, documents, recordings, transcripts, slides, methods, and communications (digital or printed), owned solely by OTC.

2.6 Course Materials.

“Course Materials” means OTC’s structured educational content (e.g., videos, documents, slides, exercises, recordings) made available to the Customer; Course Materials are Proprietary Material and licensed for personal, non-commercial, time-limited educational use only.

2.7 Materials.

“Materials” means all course content, sessions (live or recorded), mentoring, tools, communications, software, documentation, and environments provided by OTC. Materials include Course Materials.

2.8 Services.

“Services” means OTC’s digital education products and related access, tools, portals, and community environments.

2.9 Onboarding Calls.

“Onboarding Calls” means post-purchase guidance sessions to assist with access and eligibility and, if the Customer wishes, an introduction to Campus Fund (see Article 6).

2.10 License.

“License” means the limited, non-exclusive, non-transferable, revocable permission to access Materials as described in Articles 4 and 6.

ARTICLE 3: SERVICES, PURPOSE, AND REGULATORY STATUS

3.1 Primary Purpose.

OTC’s goal is to transfer knowledge and develop the Customer into an autonomous, informed market participant through comprehensive education, structured programs, and practical application.

3.2 Exclusive Educational Intent.

All content, instruction, and communication—including live trading sessions, mentoring, and community discussions—are exclusively educational and informational.

3.3 No Financial, Investment, Legal, or Tax Advice.

OTC, its educators, team members, contractors, and representatives do not offer financial, investment, legal, or tax advice under any circumstance; no element of any Service constitutes a solicitation, recommendation, endorsement, or offer to buy/sell any securities, currencies, or financial instruments.

3.4 No Signals or Copy Trading; “Earn While You Learn.”

OTC does not provide any signal service and does not provide copy trading. The “Earn While You Learn” label denotes educational content only and does not imply that the Customer will earn.

3.5 Risk Acknowledgment.

Trading and market participation inherently involve risk, including potential partial or total loss. Outcomes from education do not guarantee payouts, profits, or any specific results. The Customer makes all decisions at the Customer’s sole discretion and risk and is free not to apply any theory in practice.

3.6 Demonstrative Nature of Trading Sessions.

Any OTC activity during Live Sessions (e.g., brokerage accounts or third-party funded accounts such as Campus Fund) is demonstrative of theory-to-practice only; the Customer remains fully responsible for any action taken.

3.7 Third-Party Tools and Providers.

OTC may make non-binding suggestions/references to third-party tools/providers for demonstration of educational concepts. The Customer is free to use or not use such tools; any engagement is at the Customer’s discretion and risk. OTC may receive compensation/affiliate revenue if the Customer elects to engage.

3.8 Regulatory Status of OTC.

OTC is an education-only provider and is not regulated by financial authorities (including, without limitation, the SEC, FTC, or similar foreign bodies). Digital education companies that do not provide financial recommendations or solicit/endorse purchases or sales of financial instruments are not required to be regulated.

ARTICLE 4: ELIGIBILITY AND ACCESS

4.1 Minimum Age.

The Customer must be 18 years or older to purchase or use the Services.

4.2 Regulatory Restrictions; Compliance.

The Customer represents and warrants the Customer is not located in an embargoed/restricted jurisdiction and that purchasing/using the Services is lawful in the Customer’s location (see Articles 18.1–18.2 and Article 16).

ARTICLE 5: PRODUCTS, ACCESS DURATIONS, INACTIVITY, AND DATA RETENTION

5.1 Separate Products.

Each product—Undergrad, Blueprint, Professional, Mastery—is separately named and purchased, with its own scope and delivery.

5.2 Access Durations.

(a) Undergrad and Blueprint course curricula are lifetime accessible to the extent of the core curriculum as provided at the time of purchase, and for so long as Online Trading Campus LLC remains an active and operating entity, subject to this Agreement.

(b) Professional and Mastery are time-limited products. Upon term completion, access may be extended at OTC’s discretion; if not extended, access is revoked.

5.3 Extracurricular Services.

Any service beyond access to the course curriculum (including, without limitation, live streams, group sessions, mentoring) is not lifetime and may be modified, scheduled, or discontinued at OTC’s discretion.

5.4 Account Inactivity.

For resource stewardship, OTC may deactivate accounts exhibiting prolonged inactivity as defined in OTC operational policies; prior notice may be provided where practicable.

5.5 Expiry Events.

Time-limited products automatically expire at the end of their term unless renewed. Expiry results in access revocation to time-limited components without refund.

5.6 Data Retention.

OTC may retain minimal operational logs/records for legal, compliance, and security purposes after deactivation or expiry, consistent with the Privacy Policy.

ARTICLE 6: ONBOARDING CALLS AND CAMPUS FUND

6.1 Onboarding Calls.

OTC may provide Onboarding Calls after purchase to guide the Customer through access and eligibility.

6.2 Campus Fund Introduction.

At the Customer’s request, the onboarder may introduce the Customer to Campus Fund, which is a wholly distinct organization operated independently from OTC. Any relationship with Campus Fund is outside the scope of this Agreement.

ARTICLE 7: LICENSE; ACCESS; CREDENTIALS

7.1 Limited License.

OTC grants the Customer a limited, personal, non-exclusive, non-transferable, revocable License to access and use the Materials (including Course Materials) solely for the Customer’s own educational purposes and not for commercial exploitation, redistribution, or resale.

7.2 Login Security; Non-Sharing.

Credentials are unique to the Customer and must not be shared, transferred, sold, or provided to any third party. The Customer is solely responsible for safeguarding credentials.

7.3 Access Controls and Protective Measures.

OTC may implement multi-factor authentication, session caps, streaming-only delivery, watermarking/unique identifiers, geo/IP restrictions, and may change such controls at any time.

7.4 Monitoring Consent.

The Customer acknowledges OTC may monitor access patterns, log-ins, device fingerprints, IP addresses, session durations, download behavior, and in-platform activity to detect sharing, scraping, automated access, or other misuse.

7.5 Enforcement Measures.

Upon suspected/actual breach, OTC may suspend access, throttle/disable downloads/streams, require identity re-verification, or terminate access without refund, in addition to seeking injunctive and monetary relief.

ARTICLE 8: CUSTOMER OBLIGATIONS AND CONDUCT

8.1 General Conduct.

The Customer shall participate responsibly and comply with platform/community/session rules communicated by OTC.

8.2 No Dissemination; No Recording.

The Customer shall not disseminate or make available any non-public, paywalled material (pre-recorded content, Live Sessions, Mentoring Sessions, community content) nor record/screen-record any such content without express written consent.

8.3 No Duplication/Replication; No Reverse Engineering.

The Customer shall not copy, download, reproduce, replicate, publish, adapt, reverse-engineer, distribute, or create derivative works from any Proprietary Material (including proprietary indicators), whether for personal use or third-party benefit.

8.4 No Unauthorized Subgroups; No Circumvention.

The Customer shall not initiate or join external subgroups for OTC content, nor circumvent paywalls or access controls, nor use bots, scrapers, bulk downloaders, or screen/audio recorders.

8.5 Commercial Misuse Prohibited.

No resell, license, rent, public performance, or commercial exploitation of the Services/Proprietary Material; no training/coaching/consulting to third parties relying on OTC Proprietary Material.

8.6 Community Conduct.

No harassment, threats, defamation, or disclosure of others’ private information; comply with moderator instructions.

8.7 Assessment Integrity; Multi-Account Circumvention.

Quizzes/tasks/exercises must be completed by the Customer without unauthorized assistance; the Customer shall not create additional accounts to bypass access limits, expirations, revocations, or time-boxed products.

8.8 Security.

No introduction of malicious code, interference with platform operations, probing/testing systems, or attempts to access non-public areas.

ARTICLE 9: INTELLECTUAL PROPERTY AND PROPRIETARY MATERIAL

9.1 Ownership.

OTC and/or its licensors retain all right, title, and interest in and to the Services and all Proprietary Material (registered or unregistered). No ownership right, license, or interest is transferred other than the License in Article 7.

9.2 No License to Core IP.

The Customer is not granted—and shall not attempt to obtain—any license to access/use/copy/modify source code, indicators, algorithms, formulas, trade secrets, back-end systems, or underlying IP of OTC.

9.3 Downloaded/Offline Materials.

Where expressly enabled, downloads/offline copies remain subject to this Agreement, are for personal educative use only, and may not be copied/resold/shared.

9.4 Feedback.

The Customer assigns to OTC all right/title/interest in any Feedback; OTC may use Feedback without restriction or obligation.

9.5 Watermarks and Evidence.

OTC may embed watermarks/unique identifiers. Evidence of a Customer-linked watermark/fingerprint found in leaked Materials constitutes prima facie evidence of breach (subject to the Customer’s right to provide contrary evidence).

ARTICLE 10: FEES, PAYMENTS, NO-REFUND POLICY, AND DISCREPANCIES

10.1 Payment Structure; Taxes and Fees.

Payments are typically one-time (installments may be offered at OTC’s discretion). Prices exclude applicable taxes, duties, levies, and bank/payment-processor fees unless expressly stated; the Customer is responsible for such amounts. Currency conversions use processor-applied rates/fees.

10.2 No Refunds.

All sales are final and non-refundable upon signing/confirmation, provided the product/service as described is delivered by OTC.

10.3 Material Discrepancy (Limited Review).

If there is a material and verifiable discrepancy between the written purchase description/confirmation and what OTC actually delivers, the Customer may request a full or partial refund limited to the portion not delivered as described. OTC will review in good faith; any approved refund is the sole and exclusive remedy.

10.4 No Chargebacks Contrary to this Agreement.

The Customer shall not initiate a chargeback for Services delivered as described. Any attempted chargeback in violation of this Agreement constitutes a material breach. If a chargeback is initiated and reversed in OTC’s favor, the Customer shall reimburse OTC for reasonable costs, processor fees, and attorneys’ fees; for installments, remaining amounts may become immediately due and payable.

ARTICLE 11: COMMUNICATIONS, COMMUNITY, AND THIRD-PARTY PLATFORMS

11.1 Educational Nature of Communications.

Besides live trading sessions, all other interpersonal mentor sessions, group sessions, or community communications (text/voice/video) must not be construed as financial advice or recommendations.

11.2 Recording and Use of Communications.

OTC may record/store/transcribe sessions or communications for quality assurance, compliance verification, educational continuity, and internal training. Such recordings are Proprietary Material.

11.3 Supremacy of Agreement.

No Educator/mentor/contractor/team member/representative is authorized to vary, waive, amend, or overrule this Agreement. In any conflict, this Agreement prevails.

11.4 Third-Party Platforms; No Endorsement.

The Services may integrate with third-party platforms (e.g., Discord, Zoom, hosting). Such services are governed by third-party terms/privacy policies; use is at the Customer’s risk and does not constitute endorsement.

11.5 Discord and Community Access.

Community access (e.g., Discord) may be provided as a complimentary service and may be modified, suspended, or withdrawn at any time. Misuse may result in removal/restriction/permanent ban without refund and without affecting OTC’s other rights and remedies.

ARTICLE 12: DISCLAIMER OF WARRANTIES; DOWNTIME; FORCE MAJEURE

12.1 As-Is; As-Available.

The Services and all Proprietary Material are provided “as is” and “as available,” solely for educational/informational purposes and without warranties of any kind (express, implied, statutory, or otherwise).

12.2 Disclaimer of Implied Warranties.

To the maximum extent permitted by law, OTC disclaims all implied warranties, including merchantability, fitness for a particular purpose, accuracy, completeness, reliability, availability, title, non-infringement, and any arising from usage of trade, course of dealing, or performance.

12.3 Third-Party Tools and Networks.

OTC is not responsible for outages/changes/defects attributable to third parties.

12.4 Scheduled/Unscheduled Downtime.

Maintenance may be scheduled and downtime may occur without any service-level guarantee.

12.5 Force Majeure.

OTC is not liable for delays/failures due to events beyond reasonable control (including natural disasters, war, civil unrest, labor disputes, cyberattacks, power or internet failures, or government actions).

ARTICLE 13: LIMITATION OF LIABILITY; LIMITATION PERIOD; COLLECTIVE ACTION WAIVER; REMEDIES

13.1 Exclusion of Certain Damages.

OTC and its personnel/licensors are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, goodwill, or data, or for business interruption, whether arising in contract, tort, negligence, or otherwise, even if advised of possibility.

13.2 Aggregate Liability Cap.

To the extent permitted by law, OTC’s total aggregate liability shall not exceed the amount of fees actually paid by the Customer for the specific product/Service giving rise to the claim.

13.3 Non-Excludable Liabilities.

Nothing limits/excludes liability where not permitted (including fraud/fraudulent misrepresentation).

13.4 Limitation Period.

Any claim must be brought within 6 months after the cause of action accrues, otherwise permanently barred to the extent permitted by law.

13.5 Collective Action Waiver.

To the extent permitted by law, disputes must be brought in the Customer’s individual capacity and not as a plaintiff/class member in any class, consolidated, collective, or representative proceeding.

13.6 Injunctive Relief; Liquidated Damages; Disgorgement.

Unauthorized use/copying/dissemination of Proprietary Material causes harm difficult to quantify; OTC may seek immediate injunctive relief without bond. In the event of unauthorized recording, sharing, publication, or leak of paywalled Materials attributable to the Customer, the parties agree that USD $10,000 per breach instance is a reasonable pre-estimate of minimum harm, without prejudice to OTC seeking higher actual damages (including disgorgement of profits) and recovery of reasonable costs of investigation and attorneys’ fees. OTC may elect actual damages (including disgorgement), whichever is greater.

ARTICLE 14: PROHIBITED ACTS, BREACH, AND REMEDIES

14.1 Termination for Breach.

Upon any breach, OTC may immediately terminate the engagement, discontinue delivery, and revoke access to all Materials (including community and Live Sessions) without refund.

14.2 Damages for Harm.

Where breach causes financial or reputational harm (including defamation or unauthorized dissemination), the Customer shall be liable for OTC’s damages as determined by an independent legal professional or competent court.

14.3 Cumulative Remedies.

All rights and remedies hereunder are cumulative and in addition to those available at law or in equity.

ARTICLE 15: DATA, PRIVACY, LIMITED PUBLICITY, AND TESTIMONIALS

15.1 Processing and Sharing.

Personal data and information are processed per OTC’s Privacy Policy and applicable laws and may be shared internally within OTC or with trusted third parties supporting operation, delivery, and compliance.

15.2 Achievements/Awareness.

OTC may reference non-personally identifying achievements, milestones, or progress results for awareness, without disclosing personal identifying information without consent.

15.3 Limited Publicity License; Testimonials and Media.

The Customer grants OTC a non-exclusive, royalty-free license to reference anonymized achievements/outcomes for awareness/marketing without personal data. Where the Customer voluntarily provides testimonials or media, the Customer grants OTC a worldwide, transferable, sublicensable license to use, reproduce, and display such content in any medium in connection with the Services.

15.4 Brand Integrity.

The Customer shall not use OTC names, logos, or marks without prior written consent.

ARTICLE 16: CONFIDENTIALITY AND PROTECTION OF INFORMATION

16.1 Confidential Information.

“Confidential Information” means non-public information disclosed/made available by OTC, including Proprietary Material, methods, indicators, roadmaps, non-public pricing, community content, and communications.

16.2 Use and Protection.

The Customer shall (a) use Confidential Information solely for educative use under this Agreement; (b) not disclose it to third parties; and (c) protect it with at least a reasonable standard of care.

16.3 No Recording by Customer.

Unless expressly permitted in writing by OTC, the Customer shall not record live/mentoring sessions or community events.

16.4 Return/Deletion.

Upon termination or OTC’s request, the Customer shall promptly delete or return Confidential Information and confirm deletion in writing.

16.5 Takedown Cooperation; Equitable Relief.

On OTC’s takedown request (including reposted/leaked content), the Customer shall promptly remove such content and cooperate with remediation. Breach may cause irreparable harm; OTC may seek injunctive relief.

ARTICLE 17: MODIFICATIONS AND UPDATES

17.1 Right to Modify.

OTC may modify, amend, or update these Terms & Conditions/Terms & Agreement and may update/revise content, features, schedules, or pricing from time to time.

17.2 Effect of Modifications.

Modifications become effective upon posting to OTC’s website or other official channels; continued use after modifications constitutes acceptance. If a change materially reduces core access rights during an active paid access period, OTC will honor prior terms for the remainder of that period.

ARTICLE 18: GOVERNING LAW, JURISDICTION, AND REGULATORY RESTRICTIONS

18.1 Governing Law.

This Agreement is governed by and construed in accordance with the laws of the State of Wyoming, USA, without regard to conflict-of-law principles.

18.2 Exclusive Jurisdiction; No Arbitration.

The parties irrevocably agree to the exclusive jurisdiction of the state and federal courts located in Wyoming. No arbitration applies. OTC may seek immediate legal remedies, including injunctive relief.

18.3 Restricted/Embargoed Locations; Sanctions.

The Services are not available where prohibited by law, including embargoed countries/jurisdictions, or where OTC’s educational Services may be deemed a regulated investment service under local laws. The Customer represents the Customer is not located in, ordinarily resident in, or organized under the laws of any embargoed/sanctioned country and is not a sanctioned party.

18.4 No KYC (General); Identity Verification on Demand.

OTC does not require KYC for general access; however, OTC may require identity verification at any time where risk/compliance/chargeback/jurisdictional/fraud signals exist. Failure to verify promptly may result in suspension or termination without refund.

18.5 Refusal/Cancellation for Anti-Fraud.

OTC may cancel or refuse orders associated with suspected fraud, abuse, sanctions exposure, or policy evasion.

ARTICLE 19: GENERAL

19.1 Compliance and Restrictions.

The Customer represents that the Customer is not in any jurisdiction where receipt or use of OTC’s Products/Services would be deemed a regulated financial activity, acknowledging OTC operates solely as an educational provider and does not offer financial advice or regulated financial services. OTC may restrict/terminate access where required by law, government request, sanctions policy, or regulatory considerations, without refund.

19.2 Entire Agreement.

This Agreement constitutes the entire agreement between OTC and the Customer regarding the Services and supersedes all prior negotiations/understandings (oral or written), including representations in advertisements or informal communications.

19.3 Severability.

If any provision/part is found invalid/illegal/unenforceable, the remainder remains enforceable; the invalid provision will be revised to the minimum extent necessary to be enforceable.

19.4 No Waiver.

Any failure/delay by OTC in enforcing any provision is not a waiver of that or any other provision.

19.5 Notices.

Notices may be provided electronically to the email/contact details supplied by the Customer or via official contact channels listed on OTC’s website.

19.6 Assignment.

OTC may assign or transfer this Agreement (in whole or in part) to affiliates or successors. The Customer may not assign/transfer rights or obligations without OTC’s prior written consent.

19.7 Survival.

Articles/Sections intended by their nature to survive (including confidentiality, IP, non-dissemination, non-disparagement, disclaimers, limitations of liability, data/privacy, assignment, governing law/jurisdiction, and remedies) survive termination or expiry.

19.8 Electronic Communications and Consent.

By clicking to agree, accessing, or using the Services, the Customer consents to transact electronically and to receive legally required notices electronically. This Agreement is embedded into OTC checkout pages as a mandatory acknowledgment and applies retroactively to all previous Customers of OTC and to any person who accesses or uses the Services, as this Agreement is installed and operative throughout the Customer journey.

ANNEX I — PROFESSIONAL (ADDITIONAL COURSE MATERIALS)

A1.1 Scope (Professional).

Professional includes Blueprint plus in-depth modules that are asset-specific, as well as touchpoints with Bernd Skorupinski by accessing the weekly market outlook and the weekly Q&A, all provided for educational and informational purposes only.

A1.2 Access and Term.

Professional is a time-limited product (see Article 5.2(b)). Upon term completion, access may be extended at OTC’s discretion; if not extended, access is revoked. Any Live Sessions, group sessions, or community components are extracurricular and not lifetime (see Article 5.3).

A1.3 Delivery; Scheduling; Changes.

OTC may schedule, modify, or discontinue Professional touchpoints, sessions, or delivery cadence at its discretion (Articles 5.3, 11.4–11.5, 17.1–17.2).

A1.4 Use Restrictions.

All content in Professional constitutes Materials/Proprietary Material and is subject to Articles 7–9, 10, 11, 13–16 (including no recording, no dissemination, watermarking, monitoring, and enforcement).

ANNEX II — MASTERY (PERSONAL MENTORING — SIX MONTHS, EXTENDABLE)

A2.1 Scope (Mastery).

Mastery contains Blueprint and Professional plus a dedicated mentor assigned for six (6) months, with a once-per-week ability to schedule a call with such mentor and a personalised approach to studying. All interactions are educational/informational only and do not constitute advice or recommendations.

A2.2 Access and Term; Extension.

Mastery is a time-limited product of six (6) months. The term may be extended after each six-month cycle, at OTC’s discretion and subject to then-current availability and commercial terms (see Article 5.2(b)).

A2.3 Delivery; Scheduling; Changes.

Mentor availability and scheduling are designated by OTC. OTC may schedule, modify, or discontinue Mastery touchpoints, sessions, or delivery cadence at its discretion (Articles 5.3, 11.4–11.5, 17.1–17.2).

A2.4 Use Restrictions.

All mentoring content and sessions are Proprietary Material and subject to Articles 7–9, 10, 11, 13–16 (including no recording, no dissemination, monitoring, and enforcement).