1. Risk Disclosure: Trading carries substantial risks and may not be suitable for every investor. You could lose all or more than your initial investment. Only trade with "risk capital," which refers to funds that, if lost, won’t affect your financial security or lifestyle. Individuals with sufficient risk capital should consider trading.

VOV is not a licensed financial advisor and does not provide financial advice. Users assume full risk and responsibility for their trading activities. Past performance is not indicative of future results, and individual results may vary due to market and timing conditions.

2. Subscription and Refund Policy

• All sales are FINAL, and NO REFUNDS will be provided for any VOV membership plans.

• Your subscription fee provides access to premium content designed for educational purposes only.

• It is your responsibility to manage and cancel your subscription at https://upgrade.chat/profile if needed.

• Subscription rates are subject to change, and payments are non-refundable.

3. Ownership and Use of Information

The site is owned and operated by MURAD HOLDINGS LLC DBA VOV Capital ("VOV"). All content is for informational purposes only and does not constitute financial advice.

• VOV is not registered as a securities broker-dealer or investment adviser with the U.S. Securities and Exchange Commission (SEC), FINRA, or any state securities regulatory authority.

• Content may not be copied, shared, or redistributed without permission.

4. Account Use

• You agree not to share access to your account or redistribute any data received through your use of the site or products.

• You are responsible for maintaining the confidentiality of your password and account.

5. Legal and Disclaimer

The content on this site does not offer legal, tax, investment, or insurance advice. You bear sole responsibility for determining whether any investment, strategy, or transaction is suitable for you, based on your personal objectives, financial circumstances, and risk tolerance.

Nothing provided by VOV should be perceived as financial advice. Any methods, techniques, or indicators presented are not guaranteed to be profitable and may result in losses.

6. No Refund Policy for Digital Goods

All services provided are intangible, irrevocable, and classified as digital goods. For this reason, all sales are final, and no refunds will be issued.

7. Privacy Policy

VOV respects your privacy and will not sell or distribute your information without your explicit consent.

8. Indemnification

You agree to indemnify and hold harmless VOV, its affiliates, and representatives from any claims, losses, or damages resulting from your use of the site or services.

9. Governing Law

This agreement is governed by the laws of the United States. By registering for or using this site, you agree to these terms.

10. Intellectual Property & Proprietary Rights

• All proprietary scripts, code, algorithms, and related materials (collectively, “Proprietary Content”) available through Vision of Value (VOV) are the exclusive property of MURAD HOLDINGS LLC DBA VOV Capital ("VOV"). This includes any scripts you now see that have been reworked or revised and are now entirely the intellectual property of VOV.

• By accessing or using the Proprietary Content, you are granted a limited, non-exclusive, non-transferable license solely for your personal, educational, and non-commercial use.

• You may not copy, modify, reproduce, distribute, reverse engineer, or publicly display any of the Proprietary Content in whole or in part without the express written consent of VOV.

• Any unauthorized use, reproduction, or distribution of the Proprietary Content will result in the immediate termination of your access and may subject you to legal action.

~All rights not expressly granted herein remain reserved by VOV.~

Additional Notices

• No Endorsement: VOV and its services are not sponsored or endorsed by any financial institutions or information providers.

• Risk Warning: Subscribing implies your understanding and acceptance of these terms. Trading involves significant risk, and you may lose some or all of your investment. Seek advice from a licensed professional before proceeding.