Terms of Service

These Terms of Service ("Terms") form a legally binding agreement between you ("you", "your", or "User") and Stable Income Strategy ("Stable Income Strategy", "Company", "we", "us", or "our") governing your access to and use of the Stable Income Strategy website, applications, content, and any related services (collectively, the "Service").

By accessing, browsing, registering for, or otherwise using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional rules, policies, or guidelines posted on the Service, each of which is incorporated by reference. By creating an account, you expressly accept these Terms. If you do not agree to any provision of these Terms, you must not access or use the Service.

Notice of material changes. We will provide at least thirty (30) days' advance notice of any material change to these Terms — by email to the address associated with your account, by a prominent notice on the Service, or both. The change becomes effective at the end of the notice period; if you do not agree, your sole remedy is to stop using the Service and close your account before the change takes effect. Non-material changes (such as clarifications, corrections, or routine legal updates) take effect immediately upon posting and are reflected in the "Last updated" date.

To use the Service, you must:

• be at least eighteen (18) years of age, or the age of legal majority in your jurisdiction, whichever is greater;
• have the legal capacity to enter into a binding contract;
• not be a person barred from receiving services under the laws of the United States or any other applicable jurisdiction, including, without limitation, persons identified on the U.S. Department of the Treasury Office of Foreign Assets Control ("OFAC") Specially Designated Nationals and Blocked Persons list;
• not be located in, under the control of, or a national or resident of any country subject to comprehensive U.S. trade embargoes; and
• not have previously been suspended or removed from the Service.

You represent and warrant that all information you provide to us is true, accurate, current, and complete, and that you will keep your account information updated.

Sanctions screening; correction process.We may screen against U.S. and foreign sanctions and restricted-party lists, including the OFAC SDN list, the U.S. Department of Commerce Bureau of Industry and Security (BIS) Entity List, the EU Consolidated List, and the UK OFSI Consolidated List. If you believe you have been incorrectly identified as a restricted person, you may submit documentation supporting your eligibility to the email in Section 34, and we will review in good faith within a reasonable time.

The Service is an educational resource and personal trade journaling tool. It allows you to (i) read general educational content about options trading strategies and market mechanics, (ii) manually record, organize, and analyze trades you execute through your own brokerage account at a third-party broker-dealer, and (iii) optionally share aggregate or specific trade information publicly within the Service.

We do not execute trades, hold custody of any securities or funds, offer brokerage services, route orders, provide market quotations as principal, operate a trading platform, or facilitate the purchase or sale of any security, derivative, commodity, currency, or other financial instrument. All actual trading occurs at and through your own broker, and your relationship with your broker is governed solely by your agreement with that broker.

No reliance on public positions or other user content. Where you or another user makes positions, trades, or other content available publicly through the Service, that content is shared for informational and educational purposes only. It is not investment advice, an investment recommendation, a trade signal, a research report, or a solicitation. No viewer or other user may rely on any other user's public content as the basis for any trading decision. We make no representation or warranty about the accuracy, suitability, profitability, or merit of any user's public content, and we are not responsible for any decision made or action taken in reliance on it.

Stable Income Strategy is not registered with the U.S. Securities and Exchange Commission ("SEC"), the Financial Industry Regulatory Authority ("FINRA"), the Commodity Futures Trading Commission ("CFTC"), the National Futures Association ("NFA"), or any other federal, state, or foreign securities or financial regulator. We are not a:

• broker, broker-dealer, or registered representative;
• registered investment advisor ("RIA") or investment advisor representative;
• commodity pool operator, commodity trading advisor, or futures commission merchant;
• bank, trust company, money transmitter, or money services business;
• swap dealer, security-based swap dealer, or major swap participant; or
• certified public accountant, attorney, financial planner, or fiduciary of any kind.

Your account with us is not a brokerage, custodial, or advisory account. We do not hold cash or securities for you. The Service is not a member of, nor protected by, the Securities Investor Protection Corporation ("SIPC"), the Federal Deposit Insurance Corporation ("FDIC"), or any similar protection scheme.

Nothing in these Terms, the Service, or any communication between you and us creates a fiduciary, advisory, agency, partnership, joint venture, or employer-employee relationship. We do not owe you any duty of care, loyalty, best execution, suitability, due diligence, or disclosure beyond the limited contractual obligations expressly set forth in these Terms. Any communications, examples, content, or interactions are arm's-length and informational.

Trading securities, options, derivatives, and other financial instruments involves substantial risk, including the risk of total loss and the risk of losses in excess of the amount invested. Options strategies — including but not limited to cash-secured puts, covered calls, the "wheel" strategy, layered ladders, spreads, and rolls — carry specific risks of assignment, early exercise, gap risk, volatility risk, liquidity risk, pin risk, and complete loss of premium and principal. You should review the Options Clearing Corporation publication "Characteristics and Risks of Standardized Options" before engaging in any options trading.

By using the Service, you acknowledge and agree that:

• you are solely responsible for evaluating the merits and risks of any trade you place at your own broker;
• you are solely responsible for determining whether any strategy, instrument, or transaction is appropriate for you in light of your investment objectives, financial circumstances, risk tolerance, and tax situation;
• you assume all risk of loss arising from any trade, decision, or action taken in connection with information obtained from, or use of, the Service;
• we have no obligation to monitor your trades, your account, your strategy, or any market conditions, and we have no duty to warn you of any risk; and
• you will not hold us responsible for any trading loss, opportunity cost, missed profit, slippage, fee, tax, regulatory penalty, or other damage arising from your activity.

The Service may display quotes, prices, ticker information, charts, dates, or other market data sourced from third parties. Such data may be delayed, inaccurate, incomplete, or unavailable, and may differ from data shown by your broker or other sources. We make no representation or warranty regarding the accuracy, timeliness, completeness, or fitness of any third-party data, and we are not responsible for any decision made or action taken in reliance on it. You are solely responsible for verifying any data through your broker or another source before trading.

To access certain features, you must register for an account using a valid email address. You agree to (i) provide accurate and complete information, (ii) keep your account credentials confidential, (iii) be responsible for all activity that occurs under your account, whether or not authorized by you, and (iv) promptly notify us of any unauthorized access. We are not liable for any loss or damage arising from unauthorized use of your account.

"User Content" means any data, text, trade entries, ticker symbols, notes, configurations, comments, or other information you submit, post, upload, or transmit through the Service, including but not limited to trade journal entries and any positions you mark as public.

You retain ownership of your User Content. By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, revocable, sublicensable (only to our hosting, infrastructure, and service providers acting on our behalf) license to host, store, copy, transmit, display, modify (only as needed for technical operation, formatting, or anonymization), create derivative works from (only for anonymized, de-identified, or aggregated analytics), and use the User Content solely to operate, provide, secure, and improve the Service for you and other users. We will not use User Content for marketing or advertising purposes without your separate, opt-in consent. We do not sell User Content.

You waive any so-called "moral rights" in your User Content to the maximum extent permitted by applicable law. Where moral rights cannot be waived, you agree not to assert them against us in connection with the operations described in these Terms.

Term and survival of license. The license above remains in effect while the relevant User Content exists on the Service and is revocable by you at any time by deleting the Content or closing your account. Upon revocation, we will cease the active use of the deleted Content within a commercially reasonable time, except that the license survives solely with respect to: (i) anonymized, de-identified, or aggregated derivatives we created before deletion (which by their nature no longer identify you); (ii) routine backups retained for up to ninety (90) days, after which they are overwritten or deleted; and (iii) copies we are required to retain by applicable law or to establish, exercise, or defend legal claims. Nothing in these Terms limits your data-subject rights described in our Privacy Policy.

You represent and warrant that (i) you own or have all necessary rights to the User Content, (ii) the User Content does not infringe any third-party right, (iii) the User Content is accurate and not misleading, and (iv) the User Content complies with these Terms and applicable law.

Public positions. If you mark any position, trade, or other information as "public," you acknowledge that it will be visible to anyone (including unauthenticated visitors), may be indexed by search engines, cached or archived by third parties, and may not be fully retractable from third- party caches even after deletion. Mark something public only if you are willing to accept these consequences.

You agree not to (and not to allow any third party to):

• use the Service to engage in market manipulation, fraud, insider trading, front-running, pump-and-dump schemes, or any unlawful trading activity;
• post, share, or display content that is false, misleading, defamatory, harassing, threatening, obscene, hateful, or unlawful;
• provide individualized investment recommendations to others through the Service or hold yourself out as an advisor, manager, or signal seller;
• solicit other users for any business, investment, fundraising, or fee-paying scheme;
• access, use, or attempt to interfere with the Service through automated means (bots, scrapers, crawlers, agents) without our prior written consent;
• reverse engineer, decompile, disassemble, or attempt to derive the source code or underlying algorithms of the Service;
• circumvent, disable, or impair any security or technical limitation of the Service;
• copy, frame, mirror, or republish any portion of the Service or Content;
• use the Service to develop a competing product or service;
• upload viruses, malware, or other malicious code, or attempt to gain unauthorized access to any system;
• impersonate any person or entity, or misrepresent your affiliation;
• use the Service to violate any applicable law, regulation, or third-party right.

Enforcement; opportunity to cure. For non-material or inadvertent violations, we will, where reasonably feasible, send you written notice describing the conduct and give you a reasonable opportunity (typically seven (7) to fourteen (14) days) to cure before further action. For material violations — including, without limitation, the first four bullets in this Section, conduct that threatens the security or integrity of the Service or other users, repeated violations after notice, and conduct creating legal or regulatory risk — we may take immediate action, including suspending your access, removing content, or terminating your account.

The Service and all content, software, design, layout, code, text, graphics, interfaces, logos, trademarks, names, and marks (other than User Content) are owned by us or our licensors and are protected by U.S. and international intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your own internal personal use in accordance with these Terms. You may not use the Service to provide a service to third parties, to resell access, or to build a competing product. All other rights are reserved. No license is granted by implication, estoppel, or otherwise.

We respect the intellectual property of others. If you believe content on the Service infringes your copyright, send a written notice that complies with the Digital Millennium Copyright Act, 17 U.S.C. § 512(c)(3), to our designated agent at the address in Section 34. A compliant notice must include:

• a physical or electronic signature of the copyright owner or authorized agent;
• identification of the copyrighted work claimed to be infringed;
• identification of the allegedly infringing material and its location on the Service (URL or other locator) sufficient for us to find it;
• your contact information (name, address, telephone, email);
• a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or law; and
• a statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

We may remove allegedly infringing content, forward your notice (including your contact information) to the user who posted the content, and terminate the accounts of repeat infringers in our sole discretion. If you believe content was removed in error, you may submit a counter-notice meeting the requirements of 17 U.S.C. § 512(g)(3). Knowingly false notices or counter-notices may subject you to liability for damages under 17 U.S.C. § 512(f).

You are solely responsible for determining the tax consequences of any trade or transaction you make through your broker, for keeping your own records, and for filing, reporting, and paying all applicable taxes. We do not issue tax forms (such as Form 1099), do not provide cost-basis tracking suitable for tax filing, and do not provide tax advice. Consult a qualified tax professional before making any decision based on tax considerations.

Termination by us. For material breaches of these Terms that do not pose ongoing risk to the Service, other users, or compliance with law, we will provide written notice (typically by email) describing the alleged breach and a fourteen (14) day cure period before suspending or terminating your account.

We may, however, suspend or terminate access immediately and without prior notice for: (i) breaches that threaten the security, integrity, or availability of the Service or other users' data; (ii) suspected fraud, market manipulation, unlawful activity, or violation of the prohibited-use provisions in Section 12; (iii) compliance with applicable law, regulation, court order, subpoena, or governmental request; (iv) inability to verify your eligibility under Section 2; or (v) any other circumstance where immediate action is reasonably necessary to protect users, third parties, or our legitimate interests.

Termination by you.You may terminate your account at any time by sending a deletion request to the email in Section 34; ceasing use of the Service alone does not delete your account.

Effect of termination. On termination by either party, we will delete your User Content from active systems within a commercially reasonable time (and from routine backups within 90 days), except for data we are required to retain under applicable law or these Terms and de-identified or aggregated derivatives. You may request an export of your data before termination, in accordance with our Privacy Policy.

Survival.Upon termination, your right to access the Service immediately ceases. All provisions of these Terms that by their nature should survive termination will survive — including, without limitation, the disclaimers in Sections 4–9, the User Content license and ownership provisions in Section 11, the prohibited-use restrictions in Section 12, the intellectual-property and DMCA provisions in Sections 13–14, the tax allocation in Section 15, the warranty disclaimer, limitation of liability, and indemnification in Sections 17–19, the dispute-resolution provisions in Sections 20–22, and the miscellaneous provisions in Sections 25–39.

You agree to defend, indemnify, and hold harmless us and our affiliates, officers, directors, employees, contractors, agents, licensors, and suppliers from and against any and all claims, demands, actions, proceedings, losses, damages, liabilities, judgments, awards, fines, penalties, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to: (i) your access to or use of the Service; (ii) your User Content; (iii) any trade, transaction, or financial decision you make; (iv) your violation of these Terms or any applicable law; or (v) your violation of any right of any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate fully in asserting any available defense.

Please read this Section carefully. It requires you and us to resolve disputes by binding individual arbitration and limits the manner in which we can seek relief from each other.

Agreement to arbitrate. You and we agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, the Content, or our relationship (collectively, "Disputes") — whether in contract, tort, statute, or otherwise — will be resolved exclusively by final and binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect (including the AAA's Consumer Due Process Protocol). The Federal Arbitration Act (9 U.S.C. § 1 et seq.) governs the interpretation and enforcement of this Section.

Fees. Each party will pay its share of the arbitration fees specified by the AAA Consumer Arbitration Rules. For arbitrations of a claim of ten thousand U.S. dollars (US $10,000) or less brought by a consumer, we will pay all AAA filing, administrative, and arbitrator fees in excess of the equivalent court filing fee, in addition to any portion required of us by the AAA rules or applicable law. Each party will otherwise bear its own attorneys' fees and costs except where a statute, rule, or arbitrator decision shifts fees to the other party.

Delegation.The arbitrator, and not any federal, state, or local court or agency, will have exclusive authority to resolve all Disputes, including any dispute concerning the scope, applicability, enforceability, conscionability, or formation of this arbitration agreement, except that a court of competent jurisdiction (and not the arbitrator) will decide the enforceability of the Class Action Waiver in Section 21.

Locale and format. The arbitration will be seated in the U.S. county of your billing or residence address; if you elect a different locale, in New Castle County, Delaware, or another mutually agreed location. For claims of US $25,000 or less, you may elect that the arbitration be conducted solely by telephone, by video conference, or on the basis of written submissions, with no in-person hearing. The arbitrator will follow the AAA Consumer Arbitration Rules in determining locale and procedure where this Section is silent.

Pre-arbitration notice. Before initiating arbitration, the claimant must send a written notice of the Dispute, including a description and requested relief, to the other party (to us, at the email in the Contact section) and allow sixty (60) days for informal resolution.

Exceptions. Either party may bring (i) an individual action in small-claims court for any Dispute within that court's jurisdiction or (ii) a claim seeking only injunctive or equitable relief to prevent actual or threatened infringement, misappropriation, or violation of intellectual property or confidentiality rights, in a court of competent jurisdiction.

Opt-out.You may opt out of this arbitration agreement by delivering written notice to us — by email to the address in Section 34, or through any opt-out form we make available — within sixty (60) days of first accepting these Terms (or, for existing users, within sixty (60) days after a material change to this Section that takes effect). The notice must state your name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms, including the Class Action Waiver in Section 21.

These Terms and any Dispute are governed by, and construed in accordance with, the laws of the State of Delaware, without regard to its conflict-of-laws principles and excluding the United Nations Convention on Contracts for the International Sale of Goods. Subject to the arbitration provisions in Sections 20–21, you and we consent to the exclusive personal jurisdiction and venue of the state and federal courts located in New Castle County, Delaware for any proceeding not subject to arbitration.

Mandatory consumer protections. Nothing in these Terms is intended to deprive you of the protection of mandatory consumer-protection laws, mandatory data-protection laws, or other non-waivable rights of the country, state, or province in which you reside. To the extent any provision of these Terms is inconsistent with such mandatory protections, the mandatory protections will apply, and the remainder of these Terms will continue in full force and effect.

We may modify these Terms from time to time by posting the revised Terms on the Service and updating the "Last updated" date. For material changes — for example, changes to dispute-resolution provisions, the limitation of liability, the User Content license, or the categories of personal data we process — we will provide at least thirty (30) days' advance notice before the change takes effect, by email to the address associated with your account, by a prominent notice on the Service, or both. Non-material changes (such as clarifications, formatting, or routine legal updates) take effect immediately upon posting.

Your continued access to or use of the Service after the effective date of any change constitutes your acceptance of the revised Terms. If you do not agree to a change, your sole remedy is to stop using the Service and close your account before the change takes effect; the version of these Terms in effect at the time of any then-pending Dispute will continue to govern that Dispute.

We may, at any time and at our sole discretion, modify, add, remove, suspend, or discontinue any feature, functionality, content, or part of the Service, with or without notice and without liability to you. We may impose limits on certain features or restrict access to portions or all of the Service.

We will not be liable for any failure or delay in performance caused by events beyond our reasonable control, including acts of God, war, terrorism, civil unrest, governmental or regulatory action, exchange or market halt, labor disturbance, internet or telecommunications failure, power failure, pandemic, cyberattack, or supplier failure.

You consent to receive communications from us electronically, including by email to the address associated with your account and by posting notices on the Service. Electronic communications satisfy any legal requirement that such communications be in writing. Notices to us must be sent to the email address listed in the Contact section.

You may not assign, transfer, or delegate these Terms or any of your rights or obligations, by operation of law or otherwise, without our prior written consent; any attempted assignment without consent is void. We may freely assign, transfer, or delegate these Terms or any of our rights or obligations, in whole or in part, without notice or consent.

These Terms are for the sole benefit of you and us. No other person or entity has any right or remedy under these Terms.

Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision. Any waiver must be in writing and signed by us. Waiver of any breach is not a waiver of any subsequent breach.

If any provision of these Terms is held invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it valid and enforceable, or, if it cannot be so modified, severed from these Terms; the remaining provisions will remain in full force and effect.

These Terms, together with our Privacy Policy and any policies expressly incorporated by reference, constitute the entire agreement between you and us regarding the Service and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, both written and oral.

The Service is "Commercial Computer Software" and "Commercial Computer Software Documentation" under the Federal Acquisition Regulation (FAR) and Defense Federal Acquisition Regulation Supplement (DFARS). Any use, modification, reproduction, release, performance, display, or disclosure by the U.S. Government is governed solely by these Terms.

You may not access, use, export, re-export, or transfer the Service in violation of U.S. or other applicable export-control or sanctions laws. You represent that you are not on any U.S. government list of restricted persons and are not located in any country subject to comprehensive U.S. trade sanctions.

Questions, notices, or arbitration demands under these Terms should be directed to:

To the maximum extent permitted by applicable law, any claim, action, or proceeding arising out of or relating to these Terms or the Service must be commenced within two (2) years after the cause of action accrues; thereafter, the claim is permanently barred, regardless of any longer statute of limitations to the contrary.

This limitation does not apply, and the statutory limitation period instead applies, where (i) a shorter contractual limitation period is prohibited by the mandatory law of your jurisdiction, (ii) the claim is for a non-waivable statutory consumer-protection right, or (iii) the claim arises from our fraud, gross negligence, willful misconduct, or a personal-data security breach. Statutes of limitations under the Federal Arbitration Act and AAA rules apply to arbitral claims to the extent they would otherwise govern.

You acknowledge that you have not relied on any representation, warranty, statement, projection, illustration, or assurance (including any concerning performance, results, profitability, suitability, or safety) other than those expressly set forth in these Terms. You enter into these Terms based on your own independent investigation and judgment.

If you provide us any suggestions, comments, ideas, improvements, or other feedback about the Service ("Feedback"), you grant us a worldwide, perpetual, irrevocable, royalty-free, fully paid-up, sublicensable, transferable license to use, reproduce, modify, distribute, and otherwise exploit the Feedback for any purpose, without restriction or compensation to you. Feedback is not confidential.

Section headings in these Terms are for convenience only and do not affect interpretation. The words "include," "includes," and "including" mean "including without limitation." The words "will" and "shall" have the same mandatory meaning. References to "Section" are to sections of these Terms. Ambiguities in these Terms will not be construed against the drafter.

These Terms are concluded in English. Any translation we provide is for convenience only; in the event of any inconsistency between an English version and a translation, the English version controls.