All content, tools, indicators, and materials offered by SMC are provided strictly for general educational and informational purposes. Nothing we provide is, or should be interpreted as, a recommendation, solicitation, endorsement, or offer to buy, sell, or hold any security, currency, cryptocurrency, future, commodity, contract, token, or other financial instrument. You are solely responsible for evaluating the merits and risks associated with the use of any information, tool, or content before making any decision.

SMC is a provider of charting tools and technical-analysis software. We are not a broker-dealer, investment adviser, financial adviser, commodity trading adviser, portfolio manager, or any other kind of licensed or registered financial professional, and nothing we provide constitutes financial, investment, trading, legal, accounting, or tax advice of any kind. We do not provide personalized or individualized advice, and no content, tool, indicator, message, or communication should be relied upon as such. You should always seek the advice of a qualified, licensed professional who is familiar with your specific situation before making any financial decision. Any action you take based on the Services is taken entirely at your own risk and discretion.

Trading and investing in financial markets — including but not limited to stocks, forex, futures, options, commodities, indices, and cryptocurrencies — involve a high level of risk and are not suitable for every person. You can lose some or all of your invested capital, and you should never trade or invest with money you cannot afford to lose. Leverage and margin can work against you as well as for you and can magnify losses. Market conditions, volatility, gaps, slippage, liquidity, execution failures, and other factors can result in losses that exceed your expectations. Past activity in any market is not a reliable indicator of future activity. You accept full and sole responsibility for your own trading and investment decisions and for any resulting outcomes, gains, or losses.

SMC makes no representation, promise, warranty, or guarantee of any kind — express or implied — that use of the Services will result in profit, income, gains, accuracy, a positive outcome, or the avoidance of loss. We do not guarantee any specific result, level of performance, win rate, return, or trading success. Our tools help you visualize and analyze market structure; they do not predict the future, do not remove risk, and do not ensure profitability. Any examples, illustrations, screenshots, charts, or scenarios shown are provided only to demonstrate how the tools function and are not a promise or projection of results you will achieve.

Any performance figures, backtests, historical results, equity curves, drawdown statistics, win rates, profit factors, or similar data that may appear anywhere within the Services (including in any current or future features such as backtesting or strategy tools) are hypothetical and simulated, not the results of actual trading. Hypothetical and simulated performance results have inherent and significant limitations. Unlike an actual performance record, simulated results do not represent actual trading and are generally prepared with the benefit of hindsight, using historical data and criteria and inputs that you or we control. Because such trades have not actually been executed, results may under- or over-compensate for the impact of certain market factors, including but not limited to lack of liquidity, slippage, fees, spreads, and execution timing. No representation is being made that any account will, or is likely to, achieve profits or losses similar to those shown. Simulated performance is provided for informational and educational purposes only and must never be relied upon as an indication of future results.

Any references on the Services to upcoming products, "coming soon" features, roadmaps, previews, betas, or planned functionality are forward-looking and provided for general information only. They are subject to change, delay, or cancellation at any time, without notice and without liability. Preview content may not reflect the final product, and no purchase decision should be made in reliance on any feature that has not yet been released.

Any testimonials, reviews, comments, or experiences shared on the Services reflect the individual views of the persons who provided them and describe their personal experience only. Testimonials are not representative of all users, are not verified statements of trading performance, and are not a guarantee of any future result, outcome, or success. Individual experiences vary, and your results may differ. Testimonials are not intended to, and do not, constitute advice or a promise of profit.

The SMC indicators — including Order Block Detector™, AutoLiquidity™, TradingPlan™, Institutional VWAP Pro™, Forex Sessions™, and Liquidity Sweep™ — are charting and technical-analysis tools that display information on your chart. They are not a signals service, an auto-trading system, a managed account, or financial advice. SMC does not execute trades, does not place orders, does not manage money, and does not have access to your brokerage accounts, exchange accounts, funds, or personal trading records. Every decision to enter, exit, size, or manage a position is made entirely by you, at your own discretion and risk. Because we have no access to our customers' accounts or statements, we have no basis to believe, and make no claim, that our customers perform better or worse than traders as a whole.

The Services are used in connection with third-party platforms, most notably TradingView®. SMC is an independent provider and is not affiliated with, endorsed by, sponsored by, or in any way officially connected to TradingView, any broker, any exchange, any prop firm, any data provider, or any other third party, unless expressly stated in writing. TradingView® is a registered trademark of TradingView, Inc. (www.TradingView.com), which has no affiliation with SMC and does not endorse, sponsor, or provide the Services. Access to certain SMC indicators is delivered on an invite-only basis through TradingView, subject to TradingView's own availability, terms, and policies, over which SMC has no control. Any market data, prices, symbols, or quotes displayed are provided by third parties on an "as is" basis, may be delayed or inaccurate, and should be independently verified before any use. Your use of any third-party platform is governed by that third party's own terms, and SMC is not responsible for the acts, omissions, availability, or performance of any third party.

The SMC name, the "SMC." logo, the product names Order Block Detector™, AutoLiquidity™, TradingPlan™, Institutional VWAP Pro™, Forex Sessions™, and Liquidity Sweep™, together with all related text, graphics, code, designs, and content, are the property of Smart Money Club and are protected by intellectual-property laws. You are granted a limited, personal, non-exclusive, non-transferable, revocable license to use the indicators for your own individual use only. You may not copy, share, resell, redistribute, sublicense, reverse-engineer, decompile, republish, or otherwise make the Services available to any third party. Access is personal and non-transferable and is tied to the individual account to which it is granted. All third-party names, logos, and trademarks that may appear on the Services remain the property of their respective owners and are used, if at all, for identification and informational purposes only; their appearance does not imply any affiliation with or endorsement by their owners.

The Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by applicable law, SMC disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, reliability, non-infringement, and uninterrupted or error-free operation. SMC does not warrant that the Services will be available at all times, that they will be free of errors, bugs, inaccuracies, or interruptions, that any indicator will function without fault, or that any defect will be corrected. You use the Services at your own risk.

To the maximum extent permitted by applicable law, in no event shall Smart Money Club, its owner, operators, contractors, or affiliates be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, trading losses, or other intangible losses, arising out of or in connection with your access to, use of, or inability to use the Services, whether based on warranty, contract, tort, negligence, strict liability, or any other legal theory, and whether or not SMC has been advised of the possibility of such damages. Where liability cannot be excluded by law, it shall be limited to the amount you actually paid to SMC for the Services in the twelve (12) months preceding the event giving rise to the claim.

You agree to indemnify, defend, and hold harmless Smart Money Club and its owner, operators, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to your use or misuse of the Services, your trading or investment decisions, your violation of this Disclaimer, or your violation of any applicable law or the rights of any third party.

You represent that you are at least 18 years of age (or the age of legal majority in your jurisdiction) and that you are legally permitted to access and use the Services and to trade or invest in the markets you choose. It is your sole responsibility to ensure that your use of the Services and any trading or investment activity complies with all laws, rules, and regulations that apply to you in your country and jurisdiction. The Services are not directed to any person in any jurisdiction where their use would be contrary to law.

All payments are processed securely by our third-party payment processor, Stripe. SMC does not see, collect, or store your full card or banking details.The Services are digital products delivered instantly upon successful payment. Because access is granted immediately and cannot be returned, all sales are final and all payments are strictly non-refundable, to the fullest extent permitted by applicable law. By completing a purchase, you expressly acknowledge and agree that you are buying a digital product with immediate access, that you waive any right of withdrawal or "cooling-off" period to the extent such a waiver is permitted by law, and that you are not entitled to a refund, credit, or chargeback for any reason, including but not limited to change of mind, lack of use, dissatisfaction with results, unfamiliarity with the tools, or your own trading outcomes.Subscription plans renew automatically until cancelled. You may cancel a subscription at any time, in a self-service manner, through your Stripe customer portal; cancellation stops future renewals and prevents further charges, but does not entitle you to a refund of any amount already paid, and access continues until the end of the period already paid for. Initiating a chargeback or payment dispute in bad faith, in circumstances where access was delivered, may result in immediate and permanent termination of access without refund.

SMC may add, modify, suspend, or discontinue any product, feature, price, promotion, or part of the Services at any time, without notice and without liability. Prices and offers are subject to change. Any promotional or discounted pricing is offered at our discretion and for the period we choose. We may update this Disclaimer at any time by posting a revised version on smartmoneyclub.us, and your continued use of the Services after any change constitutes your acceptance of the updated Disclaimer. It is your responsibility to review this page periodically.

The Services may contain links to third-party websites, resources, or content. These links are provided for convenience only. SMC does not control, endorse, or assume any responsibility for the content, accuracy, policies, or practices of any third-party site, and accessing any linked site is done entirely at your own risk.

If any provision of this Disclaimer is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions, which shall continue in full force and effect.

If you have any questions about this Disclaimer, you can contact us at smartmoneyclub@gmail.com.