1. Agreement to Terms

By accessing and using this website ("Site"), you accept and agree to be bound by these Terms & Conditions ("Terms"), our Privacy Policy, and all applicable laws and regulations. These Terms apply to all visitors, users, and others who access or use the Site.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site after any changes constitutes acceptance of the new Terms.

2. Educational Purpose Only - No Financial Advice

CRITICAL DISCLAIMER: All content provided on this Site is for educational and informational purposes only. Nothing on this Site constitutes, or should be construed as, financial, investment, legal, tax, or professional advice.

You explicitly acknowledge and agree that:

• Not Investment Advice: Ben Sturgill is NOT a registered investment advisor, broker-dealer, financial planner, or licensed professional in any jurisdiction. The information provided does not constitute a recommendation to buy, sell, or hold any security or investment.
• No Client Relationship: Using this Site does not create an advisor-client relationship, fiduciary duty, or any professional relationship.
• Independent Decision Making: You are solely responsible for your own investment decisions. Always conduct your own research and consult with qualified licensed professionals before making any financial decisions.
• Educational Content: All trading strategies, market analysis, educational materials, and investment insights are provided for educational purposes only and should not be relied upon for actual trading decisions.

3. Investment Risk Acknowledgment

TRADING AND INVESTING IN SECURITIES INVOLVES SUBSTANTIAL RISK OF LOSS AND IS NOT SUITABLE FOR ALL INVESTORS.

You explicitly acknowledge and agree that:

• Risk of Loss: All investments and trading carry risk of loss. You may lose some or all of your invested capital.
• No Guarantee of Profit: Past performance is not indicative of future results. No trading strategy or methodology can guarantee profits or prevent losses.
• Margin Trading Risk: Trading on margin carries additional and significant risk, including the potential for losses exceeding your initial investment.
• Market Volatility: Financial markets are inherently volatile and unpredictable. Market conditions can change rapidly.
• Individual Results Vary: Results are not typical and will vary based on individual effort, experience, market conditions, and many other factors.
• Your Responsibility: You are solely responsible for all investment decisions and any resulting gains or losses.

4. User Accounts

4.1 Account Creation

To access certain features of the Site, you may be required to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your account credentials
• Accept responsibility for all activities that occur under your account
• Immediately notify us of any unauthorized use of your account

4.2 Account Termination

We reserve the right to suspend or terminate your account at any time, with or without cause, and with or without notice. Upon termination, your right to use the Site immediately ceases.

5. Event Registration & Payment

When you register for an in-person trading event hosted by Ben Sturgill, you agree to pay the registration fee using our payment processor, Stripe.

5.1 Payment Processing

• Payment Processor: All payments are processed securely through Stripe, a third-party payment processor. By making a payment, you agree to Stripe's Terms of Service.
• Accepted Payment Methods: We accept major credit cards, debit cards, and other payment methods supported by Stripe.
• Payment Authorization: By submitting payment information, you authorize us to charge the full registration fee to your selected payment method.
• Currency: All prices are listed in U.S. Dollars (USD) unless otherwise specified.
• Payment Confirmation: You will receive a payment confirmation and receipt via email upon successful registration.

5.2 Pricing

• Event pricing is clearly displayed at the time of registration
• All fees are stated inclusive of any applicable taxes unless otherwise noted
• We reserve the right to modify event pricing at any time, but price changes will not affect registrations already completed
• Early bird pricing, if offered, is subject to expiration dates or availability limits

5.3 Registration Confirmation

Upon successful payment, you will receive:

• An email confirmation of your registration
• A receipt for your payment
• Event details including date, time, location, and any pre-event materials
• Reminder emails leading up to the event date

5.4 Failed Payments

If your payment is declined or fails for any reason:

• Your registration will not be confirmed
• You will be notified via email and prompted to update your payment information
• Your spot is not guaranteed until payment is successfully processed

6. Cancellation & Refund Policy

IMPORTANT: Event registration fees are non-refundable except as specifically outlined below.

6.1 Attendee Cancellation

If you need to cancel your event registration:

• More than 30 days before event: Full refund minus a $50 processing fee
• 15-30 days before event: 50% refund of registration fee
• Less than 15 days before event: No refund available
• No-shows: No refund available for attendees who do not attend without prior cancellation

To request a cancellation, email admin@bensturgill.com with your registration details. Cancellation requests must be submitted in writing via email.

6.2 Event Cancellation by Ben Sturgill

If we cancel or significantly alter the event:

• Full Refund: You will receive a full refund of your registration fee if we cancel the event
• Significant Changes: If we make significant changes (date, location, format), you may choose to receive a full refund or attend the modified event
• Refund Timeline: Refunds will be processed within 14 business days to your original payment method
• Limitation: Our liability is limited to the refund of your registration fee only. We are not responsible for travel expenses, accommodation costs, or any other expenses incurred.

6.3 Transfer of Registration

• Event registrations may be transferred to another person with prior written approval
• Transfer requests must be submitted at least 7 days before the event
• A $25 administrative fee applies to all transfers
• The new attendee must agree to these Terms & Conditions

6.4 Refund Processing

• Approved refunds will be processed to your original payment method via Stripe
• Refunds typically appear within 5-10 business days, depending on your financial institution
• You will receive email confirmation when your refund has been processed

6.5 Disputes & Chargebacks

IMPORTANT: If you dispute a charge or initiate a chargeback without first contacting us to resolve the issue, you agree that:

• Your event registration will be immediately cancelled
• You will be denied entry to the event
• You may be banned from future events
• You will be responsible for any chargeback fees, legal fees, and collection costs we incur

Please contact admin@bensturgill.com to resolve any billing concerns before initiating a chargeback.

7. Event Changes & Force Majeure

7.1 Event Modifications

We reserve the right to:

• Modify the event schedule, agenda, or speakers with reasonable notice
• Change the event venue to a comparable location
• Alter event format (e.g., from in-person to virtual) due to circumstances beyond our control
• Make substitutions of speakers or presenters if necessary

We will notify registered attendees of any significant changes as soon as reasonably possible via email.

7.2 Force Majeure

We are not liable for any failure to perform our obligations under these Terms where such failure results from circumstances beyond our reasonable control, including but not limited to:

• Acts of God, natural disasters, severe weather conditions
• Pandemics, epidemics, or public health emergencies
• War, terrorism, civil unrest, or government restrictions
• Strikes, labor disputes, or transportation disruptions
• Venue closures or unavailability
• Utility failures or infrastructure damage

In such circumstances, we will work to reschedule the event or provide alternative arrangements. If rescheduling is not possible, attendees may receive a full refund or credit toward a future event.

8. In-Person Event Terms & Conduct

8.1 Admission Requirements

To attend an in-person event, you must:

• Present valid government-issued photo identification that matches your registration
• Comply with any health and safety requirements in effect at the time of the event
• Be 18 years of age or older (unless otherwise specified for the event)
• Follow all venue rules and regulations

8.2 Event Conduct & Behavior

All attendees must:

• Conduct themselves in a professional and respectful manner
• Not disrupt the event or interfere with other attendees' experience
• Not engage in harassment, discrimination, or threatening behavior
• Not record video or audio without express written permission
• Comply with all instructions from event staff and venue security

We reserve the right to remove any attendee who violates these conduct rules without refund.

8.3 Photography & Recording

• Photography and video recording may occur at our events for promotional purposes
• By attending, you consent to being photographed or recorded and grant us permission to use such media
• Attendees may not record sessions without express written permission
• Unauthorized recording may result in removal from the event

8.4 Assumption of Risk

YOU ACKNOWLEDGE AND AGREE:

• You voluntarily assume all risks associated with attending an in-person event
• This includes, without limitation, risks of illness, injury, property damage, or exposure to COVID-19 or other communicable diseases
• You are responsible for your own health, safety, and personal belongings
• We are not responsible for any lost, stolen, or damaged personal property

8.5 Health & Safety

• We may implement health screening measures at events (temperature checks, health questionnaires, etc.)
• You agree to comply with all health and safety protocols in effect at the time of the event
• If you are feeling unwell or have been exposed to a communicable disease, please do not attend
• We reserve the right to deny entry based on health screening results

9. Intellectual Property Rights

All content on this Site, including but not limited to text, graphics, logos, images, videos, audio, software, and the overall design and arrangement thereof ("Content"), is the exclusive property of Ben Sturgill or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

9.1 Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes. This license does not include:

• Modifying, copying, or distributing any Content
• Using any Content for commercial purposes without express written permission
• Attempting to reverse engineer any software or technology on the Site
• Removing any copyright, trademark, or proprietary notices
• Creating derivative works based on the Content
• Transferring access to the Site to another person

10. User Conduct

When using our Site, you agree NOT to:

• Violate any local, state, national, or international law or regulation
• Transmit any content that is harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Interfere with or disrupt the Site, servers, or networks connected to the Site
• Use any automated systems, bots, or scripts to access or scrape the Site without permission
• Attempt to gain unauthorized access to any portion of the Site or any systems or networks
• Collect or store personal data about other users without their consent
• Use the Site for any commercial purpose without our express written consent
• Redistribute, republish, or syndicate any Content without authorization

11. Cookie Policy & Data Collection

By using this Site, you acknowledge and consent to our use of cookies and similar tracking technologies as described in our Privacy Policy.

11.1 Analytics Tracking

We use PostHog and other analytics services to collect and analyze information about how visitors use our Site. This includes tracking page views, user interactions, and device information. For logged-in users, we associate this data with your email address to provide a personalized experience.

11.2 Consent

By continuing to use this Site, you consent to our data collection practices. You may manage your cookie preferences through your browser settings, though this may affect Site functionality.

12. Third-Party Links and Content

Our Site may contain links to third-party websites, services, or content that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such third-party content, goods, or services.

13. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components
• Warranties regarding the accuracy, reliability, completeness, or timeliness of any Content
• Warranties that any results obtained from use of the Site will be accurate or reliable
• Warranties that any errors or defects will be corrected

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BEN STURGILL, HIS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES.

This includes, without limitation, damages for:

• Loss of profits, revenue, data, or goodwill
• Financial losses from trading or investment activities
• Business interruption
• Personal injury or property damage
• Any other intangible losses

Liability Cap: In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount you have paid us in the twelve (12) months preceding the claim, or one hundred dollars ($100), whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

15. Indemnification

You agree to defend, indemnify, and hold harmless Ben Sturgill, his affiliates, licensors, and service providers, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Site
• Your violation of any third-party rights
• Your trading or investment activities
• Any content you submit to the Site
• Your violation of any applicable laws or regulations

16. Dispute Resolution & Arbitration

16.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to first contact us at admin@bensturgill.com to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days.

16.2 Binding Arbitration

If we cannot resolve a dispute informally, you and Ben Sturgill agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Site shall be resolved by binding arbitration, rather than in court, except that either party may seek equitable relief in court for infringement or misuse of intellectual property rights.

Arbitration shall be conducted by a single arbitrator under the rules of the American Arbitration Association ("AAA") or JAMS, at the election of the party initiating arbitration. The arbitration shall be held in Sarasota, Florida, or another mutually agreed location.

16.3 Class Action Waiver

YOU AND BEN STURGILL AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR HIS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

16.4 Opt-Out

You may opt out of this arbitration agreement by sending written notice to admin@bensturgill.com within 30 days of first accepting these Terms. Your notice must include your name, email address, and a clear statement that you wish to opt out of this arbitration agreement.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Florida, without regard to its conflict of law provisions. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the federal or state courts located in Sarasota County, Florida.

18. Force Majeure

We shall not be liable for any failure or delay in performing our obligations where such failure or delay results from any cause beyond our reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, labor disputes, equipment failures, internet outages, or shortages of transportation, facilities, fuel, energy, labor, or materials.

19. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

20. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements published by us on the Site, constitute the entire agreement between you and Ben Sturgill regarding your use of the Site, superseding any prior agreements between you and us relating to your use of the Site.

21. Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative.

22. Contact Information

If you have any questions about these Terms & Conditions, please contact us: