™Questions about this policy? legal@mymarketbook.com
Scope and acceptance
Review these Terms before using the website or buying a publication. By using our services or completing a purchase, you agree to these Terms to the extent permitted by applicable law. If you do not agree, do not use them. Our Financial Disclaimer, Copyright & Permissions Policy and Refund Policy form part of these Terms. Our Privacy Policy describes how we handle personal information; viewing it is not consent to optional analytics or marketing. A purchaser must be at least 18 or the age of legal majority where they live and have authority to complete the transaction.
Education only; no professional relationship
All books, guides, lessons, examples, diagrams, glossary entries, calculators, games, quizzes, Decision Lab exercises, downloads, emails and support communications provide general education. They are not investment, trading, securities, financial, legal, tax, accounting or retirement advice. We are not acting as your adviser, broker-dealer, fiduciary, attorney or accountant. Reading, purchasing, submitting information or contacting us creates no advisory, professional or fiduciary relationship. We do not assess your individual suitability or place trades for you.
No recommendations or guarantees
A company, ticker, security, product or strategy may be used to explain a concept. Its appearance is not an offer, solicitation, endorsement or instruction to buy, sell, hold or avoid it. We do not promise profit, loss avoidance, market performance, investment readiness, tax savings or any other financial result. Learning outcomes, quiz scores, reviews and worked examples do not establish that a transaction is suitable or safe. Past performance and hypothetical results do not guarantee future results.
Risk and your independent decisions
You are responsible for your own decisions, independent verification and assessment of your circumstances. Investing can lose some or all of your capital. Margin, leverage, options and short selling can produce losses beyond the amount deposited; some positions can have theoretically unlimited loss. Execution, prices, liquidity and access are uncertain. Consult appropriately qualified professionals and verify current rules and product terms with regulators, brokers, issuers or tax authorities before acting.
Errors, omissions and changing information
We make reasonable efforts to provide clear, useful education, but factual, mathematical, typographical, programming, source and illustration errors can occur. Content can be incomplete, simplified, outdated or incorrect. Markets, tax rules, laws and provider practices change, sometimes without notice. Publication or review dates do not promise continuous monitoring or immediate updates. To the extent permitted by law, we do not warrant accuracy, completeness, currency or fitness for your circumstances. Report a suspected error through our Contact page; we review reports under our editorial process, without promising a particular outcome or response time.
Tools, simulations and third-party material
Calculator results depend on inputs and simplified assumptions. Tools generally do not use live market data and may omit fees, taxes, spreads, slippage, financing, liquidity, volatility and other material factors. Games, scores and simulated trades are educational exercises, not performance records or trading signals. Never base a transaction solely on an output. Third-party links and services have their own terms and privacy practices. We do not control or guarantee their content, availability or security; this does not excuse our own non-excludable obligations.
Digital purchases, delivery and final sales
All digital product sales are final. No refunds. Review the description, edition, sample pages, price and device requirements before paying. Current publications are Dark and Light PDF editions; no physical book is shipped. Payment is handled by Stripe, and applicable tax and the amount payable are shown before payment. Only products identified in that checkout are included. Adding an unavailable guide or bundle to a bag is not an accepted paid order. Delivery and access follow the method stated at purchase; no lifetime hosting, new editions, personalized help or future updates are included unless expressly offered. We do not offer voluntary refunds for a change of mind, an accidental choice, lack of use or investment results. Contact orders@mymarketbook.com for access or file problems and billing@mymarketbook.com for duplicate, incorrect or unrecognized charges. Provide the purchase email and receipt, never full card details. We investigate and provide access, file correction, replacement, billing correction or other remedies as appropriate or legally required. The Refund Policy provides further detail.
Personal-use license and acceptable use
You receive a limited, non-exclusive, non-transferable license for personal, non-commercial education, not ownership of our copyright. Keep authorized personal copies and backups, and print the Light PDF for your own study. Sharing files, redistribution, resale of copies, classroom or commercial use requires a separate written license unless applicable law permits it. Do not remove notices, scrape content at scale, bypass access controls, interfere with the site, introduce malware, impersonate others or infringe third-party rights. Ordinary linking and lawful fair use remain subject to applicable law. We may restrict unlawful use, subject to legal obligations.
No warranties; service availability
TO THE FULLEST EXTENT PERMITTED BY LAW, CONTENT, PUBLICATIONS, TOOLS AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT EXPRESS OR IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. We do not guarantee uninterrupted access, error-free operation, correction of every error or any financial outcome. Features may change or be discontinued, subject to our obligations for paid orders and any mandatory legal rights.
Limits on liability
TO THE FULLEST EXTENT PERMITTED BY LAW, ET COMMERCE LLC d/b/a My Market Book and its owners, authors, employees, contractors, contributors and licensors are not liable for investment or trading losses, lost profits, lost opportunities, lost data, business interruption, or indirect, incidental, special, consequential, exemplary or punitive damages arising from use of, inability to use, or reliance on our materials, tools, errors or omissions. To the extent liability may lawfully be limited, our total aggregate liability for claims arising from the same product, service or related events is limited to the amount you paid us for the specific product or service giving rise to the claim; for a free service, the limit is US $100. These limits apply only where enforceable and do not exclude liability for fraud, intentional misconduct, gross negligence or any other liability that cannot lawfully be limited.
Mandatory rights
Nothing in these terms or our final-sale policy excludes rights, remedies or liabilities that applicable law does not allow us to exclude. This includes required remedies for defective or misdescribed digital content, failure to supply a paid product, and incorrect or unauthorized charges. It does not create a voluntary money-back guarantee.
Misuse and third-party claims
To the extent permitted by law, you agree to indemnify ET COMMERCE LLC and its personnel against third-party claims and reasonable costs caused by your unlawful use, infringement of another person’s rights or material breach of these Terms. This does not require you to cover claims caused by our own misconduct or liabilities that cannot legally be shifted to you.
Governing law and disputes
Florida law governs these Terms, excluding conflict-of-law rules, to the extent permitted by applicable law. Courts with jurisdiction in Broward County, Florida are the agreed forum, except where mandatory law gives you a different forum or protection. Nothing restricts non-waivable consumer rights or your right to contact regulators. You may contact legal@mymarketbook.com to try to resolve an issue informally; doing so is not a condition to exercising a legal right.
Changes, severability and contact
Changes are posted with a revised effective date and apply prospectively, subject to any notice or agreement required by law. A later website update does not retroactively change the agreed terms of an earlier purchase. If a provision is unenforceable, the remaining provisions continue where lawful. Product-specific terms disclosed and accepted at purchase control a direct conflict about that product. Questions: legal@mymarketbook.com; order access: orders@mymarketbook.com; billing: billing@mymarketbook.com.