Terms of Use

These Terms of Use govern participation, viewing, and use of a digital community focused on capital markets and cryptocurrency, operated by Top London, LLC, a company duly organized and operating under the laws of the State of Delaware, United States of America (hereinafter - the “Company”).

I (hereinafter - the “Participant”) hereby declare that I have read these Terms of Use in full, understood them, and agree to them fully, finally, and without reservation.

These Terms are written in the masculine form for convenience only and apply to all genders.

1. Nature of the Community

1.1 The Community is a closed digital community intended for exposure to trading in capital markets and/or digital assets and cryptocurrencies.

1.2 Community activity is conducted through various platforms, including any digital platform, system, website, application (such as Discord), recorded content, online meetings, digital tools, and accompanying materials, as determined by the Company from time to time.

1.3 The Community does not provide investment advice, investment marketing, portfolio management, or financial advisory services of any kind, and does not constitute a substitute for personalized professional advice.

1.4 The Company may determine, change, delay, or cancel the timing of access to the Community and its content at its sole discretion.

2. Subscriptions, Fees, and Automatic Renewal

2.1 Participation in the Community is based on an evergreen subscription model. All subscription plans renew automatically, continuously, and without any time limitation, unless properly canceled in accordance with these Terms prior to the next billing cycle.

2.3 Payment and Timing:

2.3.1 The total initial payment of USD 466.00 shall be paid in advance upon registration.

2.3.2 Automatic Renewal: Every one (1) month following the initial payment, the Participant’s stored payment method will be automatically charged the recurring monthly amount of USD 133.00. This cycle shall continue without limitation unless a cancellation request is submitted in advance according to the procedures defined in Section 3.4.

2.4 General Payment Provisions:

2.4.1 All payments are securely routed and processed through our payment gateway provider, Stripe. All payment data is handled securely and in compliance with PCI-DSS standards. The Company does not store raw credit card details on its servers.

2.4.2 All amounts are denominated in United States Dollars and do not include taxes, processing fees, or additional charges, if applicable, which shall be borne by the Participant.

3. Strict No-Refund Policy, Limited Spots, and Chargeback Protection

3.1 NO REFUNDS OR EARLY EXITS: The Participant acknowledges and agrees that the Community has strictly limited availability. By registering, the Participant occupies a spot that could have been sold to someone else, and the Company incurs immediate third-party and operational onboarding costs. Therefore, all payments made (including the Registration Fee and Subscription Fee) are final, absolute, and non-refundable, in whole or in part, under any circumstances.

3.2 Immediate Consumption of Service: The Participant acknowledges that the moment they access the Community platform (e.g., entering the Discord server), the service is legally considered fully delivered and "used." There are absolutely no refunds after access is granted.

3.3 Chargeback and Payment Dispute Protections:

3.3.1 Initiating a chargeback, transaction denial, or payment dispute with a bank or credit card company for a valid charge under these Terms constitutes a material, fraudulent breach of this Agreement.

3.3.2 The Participant explicitly waives the right to dispute charges once access to the Community has been provided.

3.3.3 In the event of an unlawful chargeback, the Company reserves the right to immediately terminate access, pursue legal action to recover the funds, and hold the Participant liable for any administrative fees, legal costs, and banking penalties incurred by the Company (or Stripe) as a result of the dispute.

3.4 Cancellation for Future Renewals: Cancellation is permitted solely for the purpose of preventing a future renewal. It must be made through a clear, proactive request to the Company’s customer support, received prior to the next automatic renewal date. A cancellation prevents future billing but does not trigger a refund for any past or current billing cycle.

3.5 Non-use of the Community, lack of activity, dissatisfaction, personal circumstances, or any subjective claim shall not constitute grounds for cancellation or refund.

4. No Investment Advice and Limitation of Liability

4.1 The Company is not licensed to provide investment advice, investment marketing, or portfolio management services.

4.2 All content provided within the Community is for educational purposes only and does not constitute advice, a recommendation, or a solicitation of any kind.

4.3 Any financial or trading activity is undertaken solely at the Participant’s own risk and responsibility.

4.4 The Company, its owners, officers, directors, employees, and representatives shall not be liable for any losses, damages, or harm of any kind.

5. Intellectual Property

5.1 All intellectual property rights in the Community and its content are the exclusive property of the Company.

5.2 The Participant is granted a limited, personal, non-exclusive, and non-transferable license for personal use only.

5.3 Any copying, recording, screen capture, distribution, or commercial use of the content is strictly prohibited.

5.4 The Company may seek injunctive relief and immediate remedies without proof of damages.

6. Third-Party Services

6.1 The Community may include the use of third-party platforms or services (e.g., Discord, Stripe).

6.2 Responsibility for third-party services rests solely with their providers.

6.3 The Participant irrevocably waives any claim against the Company in connection with such services.

7. Participant Representations

7.1 The Participant represents that he or she is at least eighteen (18) years of age.

7.2 The Participant shall not provide access to the Community to minors or third parties.

7.3 All information provided by the Participant is accurate, complete, and up to date.

8. Conduct and Termination

8.1 The Participant shall act respectfully and in good faith.

8.2 The Company may suspend or terminate participation in the Community in the event of a breach of these Terms or conduct contrary to the values of the Community.

8.3 In the event of termination due to a breach, no refund shall be issued.

9. Privacy, Marketing, and Recording

9.1 The Participant consents to receive service-related and marketing communications by electronic means.

9.2 The Company may transfer personal data to third parties for operational, service-related, or marketing purposes.

9.3 The Company may photograph, record, and document Community activities and use such materials freely.

10. General Provisions

10.1 These Terms constitute the entire agreement between the parties.

10.2 The Company may update these Terms from time to time at its sole discretion.

10.3 Failure to enforce any right shall not constitute a waiver.

10.4 Any breach of these Terms shall be deemed a material breach.

11. Governing Law and Jurisdiction

11.1 These Terms shall be governed exclusively by the laws of the State of Delaware, United States of America, without regard to conflict of laws principles.

11.2 Exclusive jurisdiction for any dispute arising out of or in connection with these Terms shall lie with the state or federal courts located in New Castle County, Delaware.

11.3 The Participant irrevocably waives any objection based on forum non conveniens or lack of jurisdiction.

Acknowledgment

I hereby confirm that I have read, understood, and agree to all terms of this Agreement, including the strict limitation on refunds, the chargeback policy, and the automatic renewal of all fees.