TERMS OF USE, EDUCATIONAL DISCLAIMER,
PURCHASE POLICY, AND MEDIA POLICY
MEnYOUTH Wealth Academy, LLC
PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE WEBSITE, PURCHASING A PROGRAM, OR PARTICIPATING IN ANY COURSE, CLASS, SIMULATION, EVENT, OR MENTORSHIP PROGRAM.
These Terms of Use, Educational Disclaimer, Purchase Policy, and Media Policy ("Terms") govern your use of the website, educational content, programs, classes, mentorship services, simulations, course materials, recordings, downloadable resources, in-person events, and other products or services offered by MEnYOUTH Wealth Academy, LLC ("MEnYOUTH," the "Company," "we," "us," or "our").
By accessing the website, submitting a registration form, purchasing a program, or participating in a Company activity, you acknowledge that you have read, understood, and agreed to these Terms. A parent or legal guardian must review and accept these Terms for a participant under 18 years of age.
1. Educational Purpose and Separate Programs
All Company content, courses, classes, simulations, demonstrations, recordings, and mentorship activities are provided solely for general educational, instructional, and skill-development purposes.
The Company may offer two distinct types of programs:
A youth mentorship and simulated-trading education program for eligible high school students; and
A separate adult simulated-trading education program for participants who are at least 18 years old.
Youth classes and adult classes are separately scheduled, managed, and delivered. Adult participants will not attend, observe, or receive access to private youth class sessions, and youth participants will not attend adult classes.
2. Simulated Trading Only
All trading-related instruction, demonstrations, assignments, practice sessions, and educational activities provided by the Company are conducted exclusively in simulated trading environments using simulated funds, commonly referred to as "paper trading." This requirement applies to both youth and adult programs.
Instruction may use current, delayed, or historical market charts and pricing data for educational analysis. However, every order, trade, account balance, profit, loss, and performance result created during a Company class, demonstration, assignment, or practice session is simulated and does not represent the purchase or sale of an actual financial instrument.
The Company does not:
Conduct, host, supervise, facilitate, or participate in live, real-money trading;
Accept, hold, pool, or manage participant funds for trading;
Open, fund, connect to, access, control, or monitor participant brokerage accounts;
Place, execute, modify, or close live trades for or with participants;
Provide live funded trading accounts or account-management services;
Exercise trading authority on behalf of another person;
Share in any participant's trading profits or losses; or
Include live trading as part of any youth or adult program, class, event, demonstration, coaching session, or assignment.
3. No Financial Advice, Trade Signals, or Live-Trade Recommendations
The Company provides general educational instruction only. It does not provide personalized investment, financial, brokerage, accounting, tax, or legal advice.
The Company does not provide:
Trade signals, trade alerts, or copy-trading services;
Instructions telling a participant when to enter, exit, modify, or hold a live trade;
Personalized trading recommendations based on a participant's finances, goals, experience, or risk tolerance;
A recommendation to buy, sell, hold, or trade a futures contract, security, commodity interest, option, digital asset, or other financial instrument;
A promise or guarantee of profits, income, employment, financial independence, or investment success; or
An offer to manage money, operate a trading account, or act as a broker, custodian, investment adviser, or account manager.
Any chart analysis, trade setup, entry point, stop level, profit target, order type, or risk-management example shown during instruction is presented solely as an educational example within a simulated environment. It must not be interpreted as a signal, alert, recommendation, or instruction to place a live trade.
Using the website, communicating with the Company, purchasing a program, or participating in a class does not create a fiduciary, investment-advisory, commodity-trading-advisory, brokerage, attorney-client, tax-advisory, or other professional advisory relationship.
4. Simulated and Hypothetical Performance Disclosure
Charts, demonstrations, simulated account balances, screenshots, recordings, testimonials, trade examples, or performance figures displayed by the Company may reflect hypothetical or simulated results. They are provided for educational and illustrative purposes only.
Simulated trading does not involve the same financial pressure, emotional responses, execution conditions, liquidity, slippage, fees, commissions, margin requirements, technology interruptions, or other factors that may affect actual trading.
When simulated or hypothetical performance results are shown, the following disclosure applies and should be read together with those results:
THESE RESULTS ARE BASED ON SIMULATED OR HYPOTHETICAL PERFORMANCE RESULTS THAT HAVE CERTAIN INHERENT LIMITATIONS. UNLIKE THE RESULTS SHOWN IN AN ACTUAL PERFORMANCE RECORD, THESE RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, BECAUSE THESE TRADES HAVE NOT ACTUALLY BEEN EXECUTED, THESE RESULTS MAY HAVE UNDER- OR OVER-COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED OR HYPOTHETICAL 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 PROFITS OR LOSSES SIMILAR TO THESE BEING SHOWN.
Past, demonstrated, hypothetical, or simulated results do not guarantee future performance or success. No representation is made that a participant will achieve results similar to any result displayed by the Company.
5. Futures Trading and Leverage Risk Warning
Futures trading involves substantial risk and is not suitable for every person. Although the Company's programs do not include live trading, participants should understand that a person who independently chooses to trade with real money outside the Company's programs may lose some or all deposited funds.
Futures products commonly involve leverage. Leverage can magnify gains, but it can also magnify losses and may cause losses to occur quickly. Depending on the product, brokerage agreement, market conditions, and margin requirements, losses in a live environment may exceed the amount initially deposited.
Success in a simulated environment does not guarantee, predict, or necessarily correlate with success in a live trading environment. Any real-money trading activity undertaken outside a Company program is independent of the Company and is not instructed, supervised, monitored, approved, funded, or guaranteed by MEnYOUTH Wealth Academy, LLC.
6. Youth Mentorship Program
The youth program is designed for eligible high school students and may combine general financial education, simulated-trading instruction, character development, leadership, digital safety, and youth mentoring.
Parental or Guardian Consent
A participant under 18 years of age must have the express authorization of a parent or legal guardian before registering, purchasing a program, attending a class or event, accessing materials or recordings, or participating in simulated trading activities.
The parent or legal guardian is responsible for reviewing program information, providing accurate registration information, communicating relevant participant needs, and supervising the minor's use of online materials outside scheduled sessions.
Simulated Funds and Live-Account Restrictions
Youth participants may participate only in Company-authorized simulations using simulated funds. The Company does not facilitate, supervise, encourage, or authorize real-money trading by minors as part of its programs.
The Company will not:
Open or arrange a live brokerage account for a minor;
Accept money from a minor for trading;
Place live trades for or with a minor;
Connect a minor's simulated account to a live brokerage account;
Provide live-trade signals, alerts, or individualized live-trading instructions to a minor; or
Encourage a minor to bypass brokerage eligibility requirements, parental controls, platform rules, or applicable law.
Any financial account created outside the Company's program is solely the responsibility of the parent or legal guardian and the applicable financial institution. Such an account is not sponsored, supervised, recommended, operated, or managed by the Company.
Mentoring Boundaries
Youth mentoring may address character, leadership, personal responsibility, goal-setting, discipline, peer pressure, cyberbullying, digital safety, online behavior, and digital-footprint awareness.
Mentoring is educational and developmental. It is not psychological counseling, psychotherapy, medical treatment, clinical assessment, legal advice, or crisis-intervention service. Parents and guardians should obtain assistance from qualified professionals when a student requires mental-health, medical, legal, academic, or emergency services.
Safety Concerns
The Company may communicate reasonable safety concerns regarding a minor to the minor's parent or legal guardian and may report information to appropriate authorities when the Company reasonably believes a report is required by law or necessary to address an immediate and serious safety concern.
The Company does not promise confidentiality for information indicating possible abuse, neglect, exploitation, unlawful conduct, or a serious threat to the safety of a participant or another person.
7. Adult Simulated-Trading Education Program
The adult program is available only to individuals who are at least 18 years old and is conducted separately from the youth program.
The adult program may teach general educational concepts such as:
Futures-market terminology and basic mechanics;
Chart reading, price action, and market structure;
Simulated order entry and simulated trade planning;
Risk-management concepts and position-sizing principles;
Trading discipline, patience, and decision-making;
Review of hypothetical or simulated trade examples; and
Evaluation and journaling of simulated performance.
Every adult exercise, demonstration, assignment, and practice trade will use simulated funds. No live trading will occur during any Company-sponsored adult class, event, demonstration, coaching session, or assignment.
The Company will not provide adult participants with trade signals, trade alerts, copy-trading services, personalized live-trading recommendations, live-account monitoring, account-management services, or instructions directing them to enter, exit, or modify a live trade.
8. Media, Photography, Video, and Promotional Use
Photography, video recording, and audio recording may occur at certain in-person classes, workshops, presentations, ceremonies, or other Company events for documentation, educational, marketing, and promotional purposes.
The Company will make reasonable efforts to provide advance notice when organized media capture is planned. Media may be used on the Company's website, social-media pages, email communications, printed materials, presentations, advertisements, sponsorship materials, and other lawful promotional channels.
Affirmative Consent Required
Acceptance of these Terms alone does not serve as permission for the Company to use an identifiable participant's image, voice, name, likeness, testimonial, or recorded statements for promotional purposes.
An adult participant must provide affirmative written or electronic media consent, such as a signed release or an optional registration-form selection, before identifiable promotional media featuring that adult is published.
For a participant under 18 years of age, the Company must obtain separate written or electronic authorization from the participant's parent or legal guardian before publishing identifiable promotional media featuring the minor.
Declining promotional media consent will not, by itself, affect eligibility to enroll or participate. Participants who have not provided consent should notify Company staff at an in-person event and follow any reasonable seating, designated-area, or identification procedure used to help avoid intentional media capture.
Scope and Withdrawal of Permission
A media release may authorize the Company to edit, reproduce, publish, display, and distribute approved media without additional compensation, subject to the terms of that release.
A person who previously granted permission may request that the Company stop using the media in new promotional materials by contacting the Company in writing. A withdrawal will apply prospectively and may not require the Company to recall printed materials, remove content already distributed to third parties, or eliminate copies independently saved or reshared by others.
The Company will not identify a minor by full name in promotional media without separate parent or legal guardian authorization.
Participant Recording Restrictions
Participants and guests may not photograph, record, livestream, or publish another participant, a private class session, or Company instructional content without prior Company authorization and any required consent from the individuals depicted.
9. Participant Conduct and Program Separation
Participants must use Company programs, communications, simulations, and online environments lawfully and respectfully. Participants may not:
Harass, threaten, intimidate, discriminate against, or intentionally disrupt another participant;
Share inappropriate, unlawful, deceptive, or harmful content;
Disclose private participant information without permission;
Share class links, passwords, recordings, or restricted materials with unauthorized persons;
Attempt to enter or gain access to a class for which the participant is not registered;
Misrepresent simulated results as verified live-trading results;
Represent that personal trading activity is managed, supervised, approved, funded, or guaranteed by the Company;
Use Company materials to provide unauthorized financial-advisory, signal, or copy-trading services; or
Copy, sell, publish, teach from, or redistribute Company materials without written permission.
The Company may remove a participant from a session or program when conduct threatens safety, privacy, program integrity, or the learning environment. Removal resulting from a violation of these Terms does not create an entitlement to a refund or credit, except where required by law.
10. Educational Materials, Recordings, and Intellectual Property
The website, curriculum, lesson plans, presentations, logos, graphics, worksheets, guides, recordings, simulations, written materials, and other original Company content are owned by or licensed to MEnYOUTH Wealth Academy, LLC and are protected by applicable intellectual-property laws.
Purchasing or accessing a program provides the registered participant with a limited, personal, nonexclusive, nontransferable, and revocable right to use the materials for personal educational purposes only.
Unless the Company gives prior written permission, participants may not:
Copy, reproduce, adapt, translate, republish, upload, distribute, sell, sublicense, or publicly display Company materials;
Use Company materials to create or teach a competing course, program, mentorship, or paid service;
Remove copyright, trademark, confidentiality, or ownership notices; or
Share recordings, logins, downloads, or course materials with unregistered persons.
When a class or session will be recorded for participant access, the Company will provide appropriate notice and obtain any consent required for identifiable participants, including parent or legal guardian consent for minors.
11. Purchases and Payment Processing
The Company may offer educational programs, courses, classes, recordings, digital materials, and other products or services for individual purchase through the website or an authorized payment channel.
Unless expressly stated otherwise in writing, payment is due in full at enrollment. A valid payment method may be required, and the applicable purchase amount will be charged when the transaction is processed.
Payment information may be collected, transmitted, and processed by an independent third-party payment processor. The Company may not directly receive or retain complete payment-card information.
By completing a purchase, the purchaser:
Authorizes the Company and its payment processor to charge the payment method provided;
Confirms that the purchaser is authorized to use that payment method;
Agrees to pay the stated price and any clearly disclosed applicable taxes or processing charges;
Confirms review of the program description, dates, delivery format, eligibility requirements, technology requirements, and applicable policies; and
For a youth-program purchase, represents that the purchaser is the participant's parent, legal guardian, or another adult authorized by the parent or legal guardian.
12. No-Refund Policy
UNLESS OTHERWISE REQUIRED BY APPLICABLE LAW OR EXPRESSLY STATED IN A WRITTEN PROGRAM-SPECIFIC POLICY, ALL PURCHASES ARE FINAL AND NONREFUNDABLE.
The Company does not ordinarily provide refunds, partial refunds, prorated refunds, transfers, or credits because of:
Dissatisfaction with a program or educational method;
A change in personal, family, employment, or financial circumstances;
Scheduling conflicts, late arrival, early departure, or failure to attend;
Failure to complete a program or use available materials;
A participant's loss of interest or decision not to continue practicing simulated trading;
Technology problems involving the participant's equipment, software, or internet service;
Removal resulting from a violation of these Terms; or
Trading losses or financial decisions made outside the Company's simulated educational programs.
By purchasing a program, the purchaser acknowledges that class capacity, instructor time, administrative resources, and educational materials may be reserved based on enrollment. Nothing in this policy eliminates a right or remedy that cannot legally be waived.
13. Chargebacks and Payment Disputes
Before initiating a chargeback or payment dispute, purchasers are encouraged to contact the Company so it has a reasonable opportunity to review and address the matter.
A chargeback should not be used to avoid a valid purchase or the applicable no-refund policy. The Company may provide registration records, acceptance records, attendance information, access records, communications, policies, and other relevant transaction documentation to a payment processor or financial institution when responding to a dispute.
14. Modifications to Programs, Scheduling, Website, and Pricing
The Company may modify its website, content, curriculum, exercises, instructors, mentors, class format, schedule, technology platform, products, programs, services, fees, and pricing when reasonably necessary.
The Company may, among other things:
Reschedule a class or event;
Substitute a qualified instructor or mentor;
Modify the sequence or format of instructional content;
Change the delivery platform or reasonable delivery method;
Divide, combine, or reorganize sessions while continuing to keep youth and adult classes separate;
Update materials to reflect changes in markets, technology, law, safety practices, or educational needs; or
Suspend or discontinue a website feature, program, service, or resource.
Pricing changes apply to future purchases and will not ordinarily alter the stated price of a completed purchase. The Company will make reasonable efforts to communicate material changes affecting a scheduled program using the contact information supplied during registration.
To the fullest extent permitted by law, the Company will not be liable for damages arising solely from a reasonable modification, substitution, price change, suspension, rescheduling, or discontinuation.
15. Technology and Third-Party Services
Programs may use third-party services, including video-conferencing platforms, learning-management systems, payment processors, email providers, charting software, market-data services, and simulated-trading platforms.
The Company does not control and cannot guarantee the uninterrupted availability, security, accuracy, accessibility, or performance of third-party services. Participants are responsible for obtaining compatible equipment, internet access, software, and any permissions needed to participate.
Third-party websites and services may be governed by their own terms, privacy policies, eligibility requirements, and user rules.
16. No Guarantee of Outcomes
The Company does not guarantee:
Trading profits, financial returns, or avoidance of losses;
Mastery of a trading method or simulated-trading strategy;
Acceptance by a brokerage firm, proprietary trading firm, employer, school, or other organization;
Employment, business opportunities, financial independence, or future income;
Improved academic performance, behavior, leadership, or personal development;
Prevention of cyberbullying, peer-pressure incidents, or unsafe online conduct;
Completion of a program; or
Any particular educational, personal, professional, or financial outcome.
Results depend on factors outside the Company's control, including participation, attendance, effort, judgment, experience, personal circumstances, technology, and market conditions.
17. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MEnYOUTH Wealth Academy, LLC and its owners, officers, directors, employees, contractors, instructors, mentors, representatives, and agents will not be liable for indirect, incidental, special, exemplary, punitive, or consequential damages arising from or related to:
Use of or inability to use the website, educational materials, or a simulated-trading platform;
Participation in or inability to participate in a program or event;
Reliance on educational examples or simulated results;
Loss, interruption, delay, or unauthorized access involving a website, recording, device, or third-party service;
Acts or failures of third-party service providers;
Personal financial decisions or live trading undertaken outside Company programs;
Trading losses, lost profits, margin calls, or other financial losses outside Company programs;
Participant conduct outside Company-supervised activities; or
Use, distribution, or resharing of media consistent with a valid media release.
Participants use the website, educational materials, and simulated-trading resources at their own risk. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.
18. Indemnification
To the fullest extent permitted by law, adult participants and purchasers agree to defend, indemnify, and hold harmless the Company and its owners, officers, employees, contractors, instructors, mentors, representatives, and agents from claims, liabilities, losses, damages, and reasonable expenses arising from:
A violation of these Terms;
Unlawful or unauthorized use of Company materials;
Misrepresentation of simulated performance or the Company's services;
Live trading or financial activity undertaken outside Company programs;
Infringement of another person's rights; or
Misuse of the website, a Company program, or a third-party platform.
For a minor participant, this provision applies to the parent or legal guardian who accepted these Terms on the minor's behalf, to the extent permitted by applicable law.
19. Privacy and Sensitive Information
Personal information submitted through the website or program registration will be handled in accordance with the Company's Privacy Policy.
Parents and guardians should review the Privacy Policy before submitting information concerning a minor. Participants should not disclose brokerage credentials, financial-account numbers, Social Security numbers, payment-card details, or other sensitive financial information during a class or in program communications.
The Company will not request authority to access or trade in a participant's live brokerage account as part of its educational programs.
20. Suspension or Termination of Access
The Company may suspend or terminate access to a website feature, class, event, recording, or program material when a participant:
Violates these Terms;
Creates a safety, privacy, security, or program-integrity concern;
Engages in abusive, fraudulent, unlawful, or disruptive conduct;
Shares unauthorized access credentials or restricted materials;
Misuses Company intellectual property;
Attempts to access a class or resource for which the participant is not registered; or
Fails to make a valid required payment.
Termination does not affect provisions that reasonably should continue after access ends, including payment obligations, intellectual-property protections, disclaimers, limitations of liability, indemnification, and dispute provisions.
21. Changes to These Terms
The Company may revise these Terms periodically. An updated version will be posted on the website and will apply prospectively unless applicable law permits or requires otherwise.
Continued use of the website after revised Terms become effective constitutes acceptance of the revised Terms. Material terms governing a completed purchase will not ordinarily be changed retroactively without the purchaser's agreement, except where required by law or reasonably necessary to address safety, security, fraud, or misuse.
22. Governing Law and Venue
These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles, except where federal law applies or applicable law requires otherwise.
Any legal proceeding arising from these Terms or the Company's services shall be brought in a court of competent jurisdiction serving the Georgia county in which the Company maintains its principal business office, unless applicable law requires a different location.
23. Severability, Waiver, and Entire Agreement
If any provision of these Terms is found invalid, unlawful, or unenforceable, that provision will be enforced to the maximum extent legally permissible, and the remaining provisions will remain in effect.
A failure by the Company to enforce a provision does not waive its right to enforce that provision later.
These Terms, together with the Company's Privacy Policy, registration forms, program descriptions, parental-consent documents, media releases, and any program-specific written agreement, constitute the agreement concerning use of the website and participation in Company programs.
If a program-specific written agreement directly conflicts with these general Terms, the program-specific agreement will control for that program.
24. Contact Information
MEnYOUTH Wealth Academy, LLC
Website: www.menyouthwealthacademy.com
Email: menyouthwealthacademy@gmail.com
By using the website, purchasing a program, or participating in a course, class, simulation, event, or mentorship program, you acknowledge that you have read, understood, and agreed to these Terms.
Regulatory reference: 17 C.F.R. § 4.41 (simulated or hypothetical performance disclosures).