Terms & Conditions

1. Who we are

The UOT VIP membership and the website https://urordinarytrader.com are operated by Ingover Consulting FZC LLC, a company registered in the Sharjah Publishing City Free Zone, United Arab Emirates (Company Registration Number 4414563; Trade Licence Number 4414563.01), whose registered address is Business Centre, Sharjah Publishing City Free Zone, Sharjah, United Arab Emirates. "UOT — Ur Ordinary Trader" ("UOT") is a trading brand of Ingover Consulting FZC LLC; it is not a separate company. In these documents, "we", "us" and "our" mean Ingover Consulting FZC LLC.

You can contact us at urordinarytrader@gmail.com. Full business details are set out in the Business information section on this page.

2. Acceptance of these Terms

By accessing the website, booking a call, purchasing a membership or using any UOT service, you confirm that you have read, understood and agree to these Terms. If you do not agree, please do not use the website or our services.

If you purchase a membership, these Terms form a binding agreement between you and us from the time your purchase is completed.

3. Eligibility, age and geographical restrictions

To purchase a membership or join the UOT community you must:

• be at least 18 years old, or the age of legal majority where you live if that is higher;
• have the legal capacity to enter into a binding contract;
• be permitted, under the laws that apply to you, to access trading-education services and to pay for them; and
• provide accurate and complete information when purchasing, booking or contacting us.

Our services are not offered in any country or territory where providing or receiving them would be unlawful. You are responsible for checking that your use of our services complies with your local laws. We may decline, restrict or end access where we reasonably believe that providing the services would breach applicable law or sanctions.

4. Description of UOT VIP educational services

UOT VIP is a paid trading-education membership. Depending on the current programme, it may include:

• recorded lessons and other educational materials;
• market analysis, outlooks and educational trade reviews;
• Standard Deviation ("SD") levels shared with educational explanations of the reasoning behind them;
• educational discussions and question-and-answer sessions with mentors;
• access to a private member community on Discord; and
• periodic live educational sessions.

The purpose of every part of the membership is to help you learn how to analyse markets and make your own decisions. The specific content, format, schedule and frequency of these services may change from time to time, as explained in section 19.

5. No investment, financial, legal or tax advice

All content provided by UOT is general and educational. It does not take into account your objectives, financial situation, knowledge, experience or needs, and it is not investment, financial, legal or tax advice.

We are not a broker, dealer, investment adviser, portfolio manager or financial institution. We do not hold any financial-services licence or regulatory authorisation, we do not manage client funds, and we do not execute trades on your behalf. Nothing we provide is a recommendation, offer or solicitation to buy, sell or hold any financial instrument.

Before making any financial decision, you should consider seeking advice from an appropriately qualified and, where required, licensed professional.

6. No trade signals or individualised trading instructions

UOT VIP is not a signal group. We do not provide trade signals, copy-trading, account management or individualised instructions to enter or exit any trade. Levels, charts, analysis and trade reviews are shared to explain a way of reading the market and are not instructions to act on.

7. No guaranteed profits or investment returns

We do not promise or guarantee any profit, return, income, funded account, prop-firm payout or other trading outcome. Completing our programmes, earning a certificate or following our educational content does not mean that you will achieve any particular result.

8. Trading risk and your responsibility

Trading foreign exchange, contracts for difference ("CFDs"), futures and other leveraged or speculative products involves a high level of risk, and you may lose some or all of the money you trade with. You are solely responsible for your trading decisions, for the capital you choose to risk and for the results. Please read our Risk Disclaimer before using our content.

9. Membership prices and currency

The current UOT VIP membership plans are:

All prices are denominated in United States dollars (USD). The price, billing interval and any renewal price that apply to your purchase are those disclosed at checkout. Your bank or payment provider may apply currency-conversion charges or fees, and applicable taxes may be charged or disclosed by the payment provider at checkout.

10. Subscription terms and recurring payments

UOT VIP memberships are recurring subscriptions, not one-time or lifetime purchases. Checkout, subscription billing and membership access are handled through Whop, a third-party platform. Payment for each billing period is taken in advance, at the start of that period.

Your membership renews automatically at the end of each billing period for the same billing interval, and the renewal charge is made to your saved payment method, unless you cancel before the renewal date. Renewals are charged at the renewal price disclosed at checkout or, if it changes, as explained in this section and in the Refund & Cancellation Policy.

Promotional or introductory pricing applies only as set out in the specific offer terms. If we change the renewal price, we will do so only in accordance with the applicable offer terms, billing disclosures and law.

11. Automatic renewal authorisation

By purchasing a membership, you authorise us, through Whop and its payment providers, to charge your selected payment method at the start of your membership and again at the start of each subsequent billing period, at the applicable checkout-disclosed renewal price, until you cancel.

You are responsible for keeping your payment details up to date and for cancelling before your next renewal date if you do not want to be charged again.

12. Cancellation procedure and effect

You can cancel your membership at any time by signing in to your Whop account and using Whop's subscription management for your UOT VIP membership. If you have difficulty cancelling, contact us before your renewal date and we will help.

• Cancellation stops future automatic renewals.
• Cancellation does not refund any charge that has already been made.
• Your paid access ordinarily continues until the end of the billing period you have already paid for, unless your access is terminated under these Terms or applicable law requires otherwise.
• Leaving the Discord server, deleting the Discord app, stopping use of the website or not using the educational content does not cancel your subscription.

Full details are in our Refund & Cancellation Policy.

13. Payments are non-refundable, subject to mandatory law

All UOT VIP membership purchases, subscription payments and recurring renewal charges are final and non-refundable, except where a refund or other remedy is required by applicable law.

We do not offer discretionary refunds, satisfaction guarantees, money-back guarantees or trial-period refunds. Billing errors, duplicate or unauthorised charges and similar issues are handled as described in section 21 and in the Refund & Cancellation Policy. Nothing in these Terms excludes or limits any right or remedy that you have under applicable law and that cannot lawfully be excluded or limited.

14. Access to educational materials and Discord

After purchase, you access recorded educational materials through Whop, and you receive access to the private VIP channels on Discord by connecting your Discord account through Whop. Access is linked to an active, paid membership and is removed automatically when the membership ends.

Your membership is for your personal use only. You are responsible for keeping your Whop, Discord and email accounts secure and for all activity under them. Please tell us promptly at urordinarytrader@gmail.com if you believe your access has been used without your permission. Discord's own terms of service and community guidelines also apply to your use of Discord.

15. Rules of acceptable conduct

When using the website, Discord server, live sessions or any other UOT community space, you must not:

• harass, threaten, abuse, defame or discriminate against any person;
• post unlawful, misleading, obscene, hateful or infringing content;
• advertise, solicit, sell signals or other services, promote other paid groups, or post referral or affiliate links without our written permission;
• share other members' personal information or private messages;
• impersonate UOT, its mentors, staff or other members;
• present content as personalised financial advice or as instructions for others to trade; or
• disrupt sessions, spam, or otherwise interfere with other members' learning.

Moderators may remove content and may warn, mute, suspend or remove members who break these rules, as described in section 18.

16. Intellectual property and prohibited redistribution

All content provided through the website and the membership, including videos, recordings, lessons, levels, charts, analysis, text, graphics, logos and the UOT name and branding, is owned by us or our licensors and is protected by intellectual property laws.

We grant you a limited, personal, non-exclusive, non-transferable and revocable licence to access and use the content for your own private learning while your membership is active. All other rights are reserved. You must not copy, publish, distribute, sell, license, broadcast or create derivative or commercial products from our content, including posting our levels, analysis or lessons in other groups, channels or websites.

17. Unauthorised resale, account sharing and recording

You must not:

• share, lend, transfer or sell your membership, login details or Discord access to anyone else;
• resell or sub-license access to our content or community;
• record, screen-capture, download or rebroadcast live sessions, recorded lessons or member discussions, except where we expressly make a download available for your personal use; or
• use automated tools to scrape, copy or bulk-download our content.

18. Suspension and termination of membership

We may suspend or terminate your access, with or without notice, if we reasonably believe that you have materially or repeatedly breached these Terms (including the rules on conduct, sharing or redistribution), engaged in fraud or abuse, initiated an unjustified payment reversal, or if we are required to do so by law. Where it is reasonable to do so, we will give you notice and an opportunity to remedy the breach first.

If your access is terminated for breach, no refund is due, except where a refund or other remedy is required by applicable law. You may stop using the services and cancel your membership at any time as described in section 12.

19. Changes to educational content and service availability

We continually develop the membership. We may add, update, replace or remove lessons, levels, channels, sessions or other features, and change their format or schedule. We will act reasonably when doing so and will not intentionally make changes that materially reduce the overall educational value of a billing period you have already paid for.

If we decide to discontinue the UOT VIP membership entirely, we will give members reasonable advance notice and stop future renewals.

20. Third-party services and their separate terms

We use third-party services to provide UOT, including Whop (checkout, subscription billing and membership access), Discord (community), Cal.com (call bookings), Google Calendar and Google Meet (scheduling and calls), WhatsApp (communications), Google Fonts (website fonts) and Cloudflare (website hosting and infrastructure). Each is provided by an independent company under its own terms and privacy policy, which apply to your use of that service.

We are not responsible for the availability, performance, errors or changes of third-party services, but we will make reasonable efforts to help if a third-party problem affects your access to the membership.

21. Payment errors and billing disputes

If you believe you have been charged in error, including a duplicate charge, an unauthorised charge, an incorrect amount, a charge after a valid cancellation, or a charge for services that were not delivered, please contact us at urordinarytrader@gmail.com and raise the issue through Whop as soon as possible, with details of the transaction.

We will investigate in good faith. Where a charge is confirmed to be an error, or where a refund or other remedy is required by applicable law or by the payment provider's rules, it will be provided through the appropriate payment channel.

We encourage you to contact us before raising a chargeback or payment dispute with your bank, as this is usually the quickest way to resolve a billing problem. If a payment dispute is raised, we may provide the payment provider with relevant information about your purchase and use of the membership.

22. Testimonials and past performance

Testimonials, member stories, certificates, payout figures and examples of past trades shown on our website or channels are shared by members or by us to illustrate individual experiences. They are not typical, are not a guarantee or prediction of your results, and do not mean that membership caused those results. Past performance does not guarantee future results.

23. Third-party brokers and proprietary trading firms

Brokers and proprietary trading ("prop") firms are independent third parties. We do not control them and are not responsible for their products, rules, evaluations, fees, payout decisions, solvency or conduct. Any account you open with them is governed by your agreement with that firm.

24. Affiliate compensation and conflicts of interest

Some links, discount codes or offers we share may be affiliate or referral arrangements. If you sign up or buy through them, we may receive a commission, fee or other benefit, usually at no extra cost to you. This creates a potential conflict of interest. A mention, link or code is not a recommendation that the firm is suitable for you, and you should carry out your own due diligence.

25. Website availability and technical limitations

We aim to keep the website available, but we do not guarantee that it, or any third-party platform we rely on, will be uninterrupted, secure or free from errors, viruses or delays. Market data, prices and figures shown on the website (including illustrative charts and payout totals) may be delayed, approximate or illustrative.

26. Disclaimer of warranties

To the extent permitted by applicable law, the website and services are provided "as is" and "as available", without warranties of any kind, whether express or implied, including as to accuracy, completeness, fitness for a particular purpose or results. We take reasonable care in preparing our educational content, but levels and analysis may be wrong or outdated.

This section does not exclude any warranty, guarantee or condition that cannot lawfully be excluded under the law that applies to you.

27. Limitation of liability

To the fullest extent permitted by applicable law:

• we are not liable for any trading losses, loss of profits, loss of opportunity, loss of data or any indirect, incidental, special or consequential loss;
• we are not liable for losses arising from your trading decisions, or from the acts or omissions of brokers, prop firms, payment providers or other third parties; and
• our total aggregate liability to you arising out of or in connection with the website and the services is limited to the total amount you paid us for the membership in the 12 months before the event giving rise to the claim.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or wilful misconduct, or for any other liability that cannot lawfully be excluded or limited.

28. Indemnity

To the extent permitted by applicable law, you agree to indemnify us against reasonable losses, damages, costs and expenses (including reasonable legal fees) that we incur as a result of your breach of these Terms, your unauthorised redistribution or misuse of our content, or your infringement of any third party's rights.

29. Force majeure

We are not responsible for any failure or delay in performing our obligations caused by events beyond our reasonable control, including outages or failures of third-party platforms, internet or power failures, cyber-attacks, natural disasters, epidemics, war, civil unrest, government action or changes in law. We will take reasonable steps to minimise the effect of such events.

30. Severability and general provisions

If any provision of these Terms is found to be invalid or unenforceable, it will be applied to the maximum extent permitted and the remaining provisions will remain in full effect. Our failure to enforce a right does not waive it. You may not transfer your rights under these Terms. We may transfer our rights and obligations to another entity that takes over the UOT business, provided that your rights are not reduced. These Terms, together with the policies referred to in them, are the entire agreement between you and us about their subject matter.

31. Changes to these Terms, notice and effective dates

We may update these Terms from time to time, for example to reflect changes to our services, pricing, providers or the law. The "Last updated" date at the top of this page shows when the Terms were last revised. If a change materially affects your membership, we will give you reasonable notice before it applies to your next billing period, and you may cancel before then. Changes will not apply retroactively to charges already made.

32. Governing law

These Terms, and any dispute or claim arising out of or in connection with them, are governed by the laws of the United Arab Emirates as applied in the Emirate of Sharjah. This does not deprive you of the protection of any mandatory consumer-protection laws of the country in which you live that cannot be excluded by agreement.

33. Dispute resolution and jurisdiction

If you have a concern or complaint, please contact us first at urordinarytrader@gmail.com so that we can try to resolve it informally. We will respond within a reasonable time.

If a dispute cannot be resolved informally, and to the extent permitted by applicable law, the courts of the Emirate of Sharjah, United Arab Emirates, will have jurisdiction. If you are a consumer, you may also have the right to bring proceedings in the courts of the country where you live, and nothing in this section limits that right.

34. Contact information

For questions about these Terms, your membership or billing, contact us at urordinarytrader@gmail.com. Our full business details are set out in the Business information section below.