Riskcuit — Terms of Service

Effective Date: 03/1/2026 Last Updated: 03/1/2026

IMPORTANT: PLEASE READ THESE TERMS CAREFULLY BEFORE PURCHASING OR USING OUR SERVICE.

By purchasing, accessing, or using any Riskcuit product, service, content, community, dashboard, or course material (collectively, the "Service"), you ("You," "Student," "Member," or "User") agree to be bound by these Terms of Service ("Terms," "Agreement," or "TOS"). If you do not agree to all of these Terms, do not purchase or use the Service.

These Terms constitute a legally binding agreement between You and Riskcuit ("Riskcuit," "Company," "we," "us," or "our").

1. DESCRIPTION OF SERVICE

1.1 What the Service Is

Riskcuit provides digital educational content, tools, and community access related to currency (forex) trading. The Service includes:

The Excess Kurtosis Edge Trading Course — a self-paced digital video and text-based course consisting of three (3) modules covering market mechanics, trade entries, and risk management.
Members-Only Dashboard — a web-based data visualization tool displaying statistical information about currency price distributions.
Members-Only Community — access to a private online community of Riskcuit members.
Monthly 1-on-1 Consultation Call — one (1) scheduled call per calendar month with a Riskcuit instructor to discuss course material, trading approach, and educational questions. Availability of this benefit is subject to change as the student body grows, and Riskcuit reserves the right to modify, limit, or discontinue this benefit with reasonable notice.

1.2 What the Service Is NOT

THE SERVICE IS STRICTLY EDUCATIONAL IN NATURE. The Service is NOT any of the following:

Investment advice, financial advice, tax advice, or legal advice.
A managed account service, signal service, copy-trading service, or trade alert service.
A recommendation to buy, sell, hold, or trade any specific financial instrument, currency pair, or security.
A guarantee of any specific financial outcome, trading result, or return on investment.
Personalized advice tailored to your individual financial situation, trading account, risk tolerance, or investment objectives.

Riskcuit does not manage customer funds, does not have access to your trading accounts, does not execute trades on your behalf, and does not act as a broker, dealer, commodity trading advisor (CTA), or registered investment advisor (RIA).

1.3 Educational Purpose Only

All content, data, commentary, analysis, strategies, and systems presented within the Service are provided exclusively for general educational and informational purposes. Any references to specific trading strategies, rules, position sizes, risk-to-reward ratios, or statistical outcomes are presented as educational concepts and should not be interpreted as a recommendation to trade in any particular manner.

You are solely responsible for all of your own trading decisions, actions, and results. Riskcuit accepts no responsibility or liability for any trading decisions you make, whether or not those decisions are informed by the educational content provided in the Service.

2. RISK DISCLOSURE

2.1 General Trading Risk

TRADING FOREIGN EXCHANGE (FOREX) AND OTHER FINANCIAL INSTRUMENTS CARRIES A HIGH LEVEL OF RISK AND MAY NOT BE SUITABLE FOR ALL INDIVIDUALS. THE HIGH DEGREE OF LEVERAGE AVAILABLE IN FOREX TRADING CAN WORK AGAINST YOU AS WELL AS FOR YOU. BEFORE DECIDING TO TRADE, YOU SHOULD CAREFULLY CONSIDER YOUR INVESTMENT OBJECTIVES, LEVEL OF EXPERIENCE, AND RISK APPETITE. THE POSSIBILITY EXISTS THAT YOU COULD SUSTAIN A LOSS OF SOME OR ALL OF YOUR INITIAL CAPITAL AND THEREFORE YOU SHOULD NOT INVEST MONEY THAT YOU CANNOT AFFORD TO LOSE.

2.2 No Guarantee of Trading Profits

Past performance, whether actual or indicated by simulated or hypothetical results, is not necessarily indicative of future results. No representation is being made that any trading account will or is likely to achieve profits or losses similar to those discussed, shown, or implied in any Riskcuit material.

2.3 Hypothetical Performance Disclaimer

HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN.

2.4 Statistical Claims

Any statistical claims made in Riskcuit marketing materials, the course, the eBook "The Little Book of Edges," or the dashboard (including but not limited to claims regarding probability of profit, win rates, or distributional properties of currency prices) are based on historical data analysis and mathematical modeling. These figures describe historical or theoretical statistical properties and do not constitute a guarantee or prediction of future results. Markets can and do change. Statistical edges observed in historical data may diminish, disappear, or reverse in future market conditions.

3. ELIGIBILITY AND ACCOUNT

3.1 Age and Legal Capacity

You must be at least eighteen (18) years of age and have the legal capacity to enter into binding agreements in your jurisdiction to purchase or use the Service.

3.2 Prohibited Jurisdictions

The Service is intended for use by individuals in jurisdictions where accessing forex trading educational content is permitted by law. It is your responsibility to ensure that your use of the Service complies with all applicable local, state, national, and international laws and regulations. Riskcuit makes no representation that the Service is appropriate or available for use in all jurisdictions.

3.3 Account Responsibility

You are responsible for maintaining the confidentiality of your account credentials. You are responsible for all activity that occurs under your account. You agree to notify us immediately of any unauthorized use of your account.

4. PAYMENT AND SUBSCRIPTION

4.1 Pricing

The current price for the Riskcuit annual membership is $997.00 USD per year ("Membership Fee"). Pricing is subject to change. Any price changes will not affect existing active subscriptions until the next renewal period.

4.2 Billing

Payment is processed at the time of purchase via our third-party payment processor. By purchasing the Service, you authorize us to charge the Membership Fee to your selected payment method.

4.3 Renewal

Your membership will automatically renew at the end of each annual billing cycle at the then-current Membership Fee unless you cancel prior to the renewal date. You may cancel auto-renewal at any time through your account settings or by contacting [email protected]. Cancellation of auto-renewal will take effect at the end of the current billing period. No partial refunds will be issued for unused time remaining in a billing cycle.

4.4 Payment Plans

If a payment plan option is offered, all installments must be completed in full. Access to the Service may be suspended if payments are not received on time. The Performance Guarantee (Section 5) does not apply to accounts with outstanding payment balances.

5. THE RISKCUIT PERFORMANCE GUARANTEE AND REFUND POLICY

5.1 Overview of the Guarantee

Riskcuit offers a conditional performance guarantee ("Performance Guarantee" or "Guarantee") under the following terms: If you complete 100 trades following the Riskcuit system rules exactly as taught in the course, using a demo (simulated/paper) trading account, and your cumulative result after those 100 trades is not profitable (net positive), Riskcuit will issue a full refund of your Membership Fee.

This Guarantee is subject to strict qualification requirements. A refund under this Guarantee is not automatic and will only be issued after Riskcuit has reviewed and verified your submission in accordance with the requirements below.

5.2 Guarantee Qualification Requirements — ALL Must Be Met

To qualify for a refund under the Performance Guarantee, every single one of the following conditions must be satisfied. Failure to meet any one condition disqualifies the refund request.

5.2.1 Demo Account Requirement

All 100 trades must be executed on a demo (simulated/paper) trading account provided by a regulated forex broker. Trades executed on live (real money) accounts do not qualify for the Guarantee. This requirement exists because the Service is educational in nature and does not constitute investment advice. Riskcuit does not recommend, encourage, or advise that you trade with real money based on this course content.

5.2.2 Completion of 100 Trades

You must complete a minimum of one hundred (100) trades using the Riskcuit system. Partial completion (e.g., 50, 75, or 99 trades) does not qualify. Trades must be organized in the 10×10 block structure as taught in the course (ten blocks of ten trades each).

5.2.3 Strict Adherence to All Trading Rules

Every single trade in the 100-trade sample must comply with all of the following rules as taught in the Riskcuit course. Deviation from any rule on any trade disqualifies the entire submission:

a) Daily Session Limits: You must stop trading for the day after achieving two (2) wins OR one (1) loss, whichever comes first. Any trading session in which more than two winning trades or more than one losing trade were taken disqualifies that session and all trades within it.

b) Position Sizing — Base Risk (1R): Each block of 10 trades must begin at your defined base risk unit (1R). You must maintain 1R position sizing while the cumulative block PnL is positive or at zero, as taught in Module 3 of the course.

c) Dynamic Risk Scaling in Recovery Windows: When the cumulative block PnL becomes negative, position size increases must follow the exact scaling rules taught in the course. Any deviation from the prescribed scaling methodology — including using a larger or smaller position size than specified — disqualifies the submission.

d) 42R Safety Threshold: If at any point within a block the required position size exceeds 42R, you must stop trading that block immediately and begin a new 10×10 cycle. Continuing to trade after the 42R threshold has been reached disqualifies the submission.

e) Risk-to-Reward Ratio: All trades must use the risk-to-reward ratio taught in the course (approximately 5:1, risking the larger amount to make the smaller amount). Trades using a different risk-to-reward structure are disqualified.

f) Take-Profit Placement: Take-profit targets must be set at approximately two (2) standard deviations as taught in the course. The minimum take-profit size rules specified in the course must be followed. Trades using take-profit targets that deviate materially from the course specifications are disqualified.

g) Entry Rules: Entries must follow the methodology taught in Module 2 of the course, including establishing directional bias via range extension and entering on pullbacks confirmed by RSI(14) as specified. Trades taken without following the prescribed entry methodology are disqualified.

h) News Avoidance: You must not have open positions or enter new positions during high-impact news events as defined in the course. Trades taken in violation of the news avoidance rules are disqualified.

5.2.4 Proof of Compliance — Required Documentation

To submit a Guarantee refund request, you must provide all of the following documentation:

a) Complete Broker Statements: Official account statements from your demo account broker covering the entire period in which the 100 trades were taken. Statements must be downloaded directly from the broker platform (not manually created) and must show, for each trade: the date and time of entry, the date and time of exit, the currency pair traded, the direction (buy/sell), the position size (lot size), the entry price, the stop-loss price, the take-profit price, and the profit/loss result.

b) Trade Journal: A detailed trade journal documenting each of the 100 trades, including: the block number (1–10), the trade number within the block (1–10), the directional bias determination and reasoning, the entry trigger, the position size used and the calculation showing how it was determined, and confirmation that the daily session limit rule was observed.

c) Block Summary: A summary sheet showing the cumulative PnL for each of the 10 blocks, and the overall cumulative PnL across all 100 trades, demonstrating that the final result is net negative (not profitable).

d) Screenshot Evidence: Screenshots of each trade as it appeared on your broker platform, clearly showing the entry, stop-loss, take-profit, and position size. Screenshots must include the broker platform's timestamp and account identifier.

e) Account Verification: Proof that the account used is a demo/simulated account (not a live account). This can be demonstrated through broker platform screenshots showing the account type designation, or a broker confirmation email.

5.2.5 Time Limits

The 100 trades must be completed within twelve (12) months of the original purchase date.
The Guarantee refund request must be submitted within thirty (30) calendar days of completing the 100th trade.
Refund requests submitted after this 30-day window will not be honored.

5.2.6 One Submission Per Membership

Each membership is entitled to one (1) Guarantee refund submission. If a submission is denied due to failure to meet qualification requirements, you may not submit additional refund requests under the same membership.

5.3 Review Process

Upon receiving a complete Guarantee refund submission, Riskcuit will review the documentation within thirty (30) business days. During this review period, Riskcuit may:

Request additional documentation or clarification.
Cross-reference broker statements with the trade journal for consistency.
Verify that all trading rules were followed on every trade.
Contact the broker to verify the authenticity of the demo account and statements, if necessary.

If Riskcuit determines that all qualification requirements have been met and the 100-trade result is net negative, a full refund of the Membership Fee will be issued to the original payment method within fifteen (15) business days of approval.

If Riskcuit determines that one or more qualification requirements have not been met, the refund request will be denied and you will be notified in writing with a specific explanation of which requirement(s) were not satisfied.

5.4 Disputes

If you disagree with a Guarantee refund denial, you may submit a written appeal within fifteen (15) calendar days of receiving the denial notice. The appeal must include additional documentation or evidence addressing the specific requirement(s) cited in the denial. Riskcuit will review the appeal within fifteen (15) business days and issue a final determination. This final determination is binding.

5.5 Standard Refund Policy (Outside the Performance Guarantee)

Outside of the Performance Guarantee described above, all sales are final. Because the Service includes immediate access to digital educational content, course materials, the members-only dashboard, and the community upon purchase, standard refund requests are not available once access has been granted.

If you experience a technical issue that prevents you from accessing the Service, contact [email protected] within seven (7) days of purchase. Riskcuit will make every reasonable effort to resolve the technical issue. If the issue cannot be resolved, a refund will be issued.

5.6 Chargebacks

By purchasing the Service, you agree that initiating a chargeback or payment dispute with your bank or credit card company is not a substitute for the refund process described in this Agreement. If you believe you are entitled to a refund, you must follow the procedures outlined in this Section 5. Initiating a chargeback without first exhausting the refund process described herein may result in permanent termination of your account and access to the Service, forfeiture of your right to the Performance Guarantee, and pursuit of the disputed amount through collections or legal action as permitted by law.

6. INTELLECTUAL PROPERTY

6.1 Ownership

All course content, videos, text, images, data, dashboard tools, software, eBooks, community content posted by Riskcuit, and all other materials provided through the Service are the exclusive property of Riskcuit and are protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

Upon purchase, you are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service content for your own personal educational purposes only.

6.3 Prohibited Uses

You may NOT:

Copy, reproduce, distribute, publish, display, or transmit any Service content.
Share your account credentials or access with any other person.
Record, screenshot, or otherwise capture course videos or dashboard data for redistribution.
Use the Service content to create a competing product or service.
Reverse-engineer, decompile, or extract the underlying data, algorithms, or methodologies from the dashboard or any other tool.
Resell, sublicense, or commercially exploit any Service content.

Violation of these terms may result in immediate termination of your account without refund and pursuit of legal remedies.

7. COMMUNITY RULES

7.1 Code of Conduct

Members of the Riskcuit community agree to:

Treat all members and staff with respect.
Not share or redistribute any proprietary Riskcuit content, trading rules, or system details outside the community.
Not provide financial advice, specific trade recommendations, or signal-service-style alerts to other members.
Not engage in harassment, hate speech, spam, or self-promotion.

7.2 Enforcement

Riskcuit reserves the right to remove any member from the community, with or without notice, for violation of these rules. Community removal does not entitle the member to a refund.

8. LIMITATION OF LIABILITY

8.1 No Liability for Trading Losses

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RISKCUIT, ITS OWNERS, OFFICERS, EMPLOYEES, INSTRUCTORS, AFFILIATES, AND AGENTS SHALL NOT BE LIABLE FOR ANY TRADING LOSSES, FINANCIAL LOSSES, OR DAMAGES OF ANY KIND (INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES) ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, YOUR TRADING DECISIONS, OR YOUR RELIANCE ON ANY INFORMATION PROVIDED THROUGH THE SERVICE.

8.2 Maximum Liability

In no event shall Riskcuit's total aggregate liability to you for any and all claims arising out of or related to the Service exceed the total amount you paid to Riskcuit in the twelve (12) months preceding the claim.

8.3 No Warranties

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Riskcuit, its owners, officers, employees, instructors, affiliates, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your trading activities; (c) your violation of these Terms; or (d) your violation of any applicable law or regulation.

10. PRIVACY

Riskcuit collects and processes personal information in accordance with our Privacy Policy, available at [INSERT PRIVACY POLICY URL]. By using the Service, you consent to the collection and use of your information as described in the Privacy Policy. Broker statements and trade documentation submitted as part of a Guarantee refund request will be used solely for the purpose of evaluating the refund request and will be handled in accordance with the Privacy Policy.

11. MODIFICATIONS

11.1 Changes to Terms

Riskcuit reserves the right to modify these Terms at any time. Material changes will be communicated to active members via email. Your continued use of the Service after such notification constitutes acceptance of the updated Terms.

11.2 Changes to Service

Riskcuit reserves the right to modify, update, or discontinue any aspect of the Service, including course content, dashboard features, community platforms, and consultation call availability, at any time with reasonable notice. Such changes do not entitle you to a refund unless they materially eliminate the core educational content of the course.

12. GOVERNING LAW AND DISPUTE RESOLUTION

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of law provisions.

12.2 Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue resolution through binding arbitration in Spring, Texas, conducted by a single arbitrator in accordance with the rules of the American Arbitration Association. The arbitrator's decision shall be final and binding.

12.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

13. MISCELLANEOUS

13.1 Entire Agreement

These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Riskcuit regarding the Service.

13.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13.3 No Waiver

The failure of Riskcuit to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

13.4 Assignment

You may not assign or transfer your membership or any rights under these Terms without Riskcuit's prior written consent. Riskcuit may assign its rights and obligations under these Terms without restriction.

13.5 Contact

For questions about these Terms, refund requests, or any other inquiries:

Email: [email protected] Subject Line for Guarantee Refund Requests: "Performance Guarantee — Refund Request — [Your Name]"

14. ACKNOWLEDGMENT

By purchasing or using the Service, you acknowledge that:

You have read, understood, and agree to be bound by these Terms of Service in their entirety.
You understand that the Service is educational in nature and does not constitute investment advice, financial advice, or a recommendation to trade.
You understand that trading forex involves substantial risk of loss and that you are solely responsible for your own trading decisions and results.
You understand the conditions of the Performance Guarantee and that a refund is only available if all qualification requirements in Section 5 are met and verified.
You understand that all sales are final outside of the Performance Guarantee and technical access issues as described in Section 5.5.
You are of legal age and capacity to enter into this Agreement.

These Terms of Service were last updated on [INSERT DATE].

APPENDIX A: GUARANTEE QUALIFICATION CHECKLIST

This checklist is provided for Member convenience. It does not modify or supersede any terms in Section 5.

Before submitting a Performance Guarantee refund request, confirm that you can check every box:

If any box above is unchecked, your submission does not qualify for a refund under the Performance Guarantee.