Terms of Servicedarkfill.com

Effective date: 2026-08-08. These Terms govern your use of darkfill.com and related pages, apps and notifications (the "Service"), operated by darkfill.com ("Darkfill", "we", "us"). By creating an account, starting a trial or subscribing after these Terms are shown to you, you agree to these Terms and to our Refund Policy. Merely visiting the website does not authorize any charge.

1. What the Service is. Darkfill publishes educational material about US equities, options, futures and trading risk, plus member content we select, such as market data summaries, charts and alerts. The Service is for general information and education only.

2. Not investment advice. Nothing in the Service is investment, legal, tax or accounting advice, or a recommendation to buy, sell or hold any security or derivative. Content is general and not tailored to your situation. We are not a broker-dealer or a registered investment adviser, we do not execute trades, and we do not hold your funds. Trading involves substantial risk, including loss of more than your initial investment in some products. Past results, backtests and simulated returns do not guarantee future results. You alone are responsible for your decisions.

3. Eligibility and accounts. You must be at least 18 and of legal age to form a binding contract where you live. You sign in with an email verification code; keep access to your email secure, because anyone who can read it can sign in. One account per person. Do not share or sell your account, let others use your session, impersonate others, or create extra accounts to obtain the trial again.

4. Membership. Membership gives access to member content as we make it available. We decide what content members see, and we may add, change or remove content, features or data sources at any time. Membership does not change the free educational content available to everyone.

5. Subscription, trial and automatic renewal.

A first-time subscriber pays $1.99 (USD) once for a 7-day trial. Unless you cancel before the trial ends, your subscription then renews automatically at $99.00 (USD) per month, and keeps renewing every month until you cancel. The $1.99 trial is a paid introductory period, not a free trial.

• Trial length. The trial lasts seven consecutive 24-hour periods from the subscription start time shown in your payment confirmation. Your account page shows the exact renewal date.
• Eligibility. Each person may use the trial once. If you have used it before, we show you the standard $99.00 monthly price before you pay.
• Renewal dates. Monthly renewals follow your subscription's billing date each month, not a fixed 30-day interval.
• Authorization. When you approve the subscription at checkout, you authorize us, through our payment processor Stripe, to charge your payment method the trial fee now and each monthly fee when due, until you cancel.
• Reminder. We email you before your trial ends. Not receiving the email does not change the renewal date.
• Price changes. We will give at least 30 days' notice by email, or longer where the law requires, before a price change applies to a future renewal. You can cancel before it takes effect. We never raise the price of a period you have already paid for.
• Taxes and bank fees. Taxes we collect are shown before you pay. Your bank or card issuer may charge separate currency-conversion or other fees.
• Failed payments. If a renewal payment fails, Stripe may retry it. Member access may end when no paid period remains.

6. Cancellation. You can cancel at any time on your account page under "Manage billing / cancel", or by emailing info@darkfill.com from your account email. To avoid the first $99.00 charge, cancel before the 7-day trial ends. To avoid a later charge, cancel before that renewal time; there is no extra requirement to cancel 24 hours in advance. If you email us, a request we receive before the renewal time counts as on time even if we process it later, and we will refund any charge caused by our delay. Logging out or not using the Service does not cancel your subscription. Cancellation stops future charges; you keep member access until the end of the trial or the current paid period. Cancelling does not by itself refund past payments; see the Refund Policy.

7. Invite codes. We may issue invite codes that grant membership for a limited time. Each code has a redemption deadline, a number of uses and a membership length, and each account can redeem a given code once. If you already have membership time, a code extends your end date by its length. Codes have no cash value, are not charged, do not renew, and do not turn into a paid subscription when they expire. If we withdraw an unused code, it can no longer be redeemed; membership already granted stays valid for its term unless the code was sold, shared publicly or obtained improperly.

8. Acceptable use. You may use the Service for your own personal, non-commercial learning. You may not: copy, resell, republish, redistribute or broadcast member content or data, including in chat groups, social media or other services; scrape, crawl or bulk-download the Service; share accounts or circumvent access or security controls; reverse-engineer, interfere with or distribute malicious software through the Service; collect other users' personal information; or use the Service for anything unlawful. Lawful quotation, commentary and other rights you cannot waive are not restricted.

9. Intellectual property. The Service and its content belong to Darkfill or its licensors. We grant you a limited, revocable, non-transferable licence to view it for personal use while your access lasts.

10. Third-party data and services. Some content is based on data from third parties. We do not guarantee that data or content is accurate, complete, timely or uninterrupted. Data may be delayed or contain errors. Payments are handled by Stripe under its own terms; we do not receive or store your full card number. Links to other sites are for convenience and do not mean we endorse them.

11. Privacy. We handle personal information as described in our Privacy Notice at https://darkfill.com/auth/legal/privacy. We record your email address, sign-in records (IP address and browser type) and the subscription terms you agreed to, with the time you agreed.

12. Disclaimers. To the extent the law allows, the Service is provided "as is" and "as available", without warranties of uninterrupted availability, accuracy, merchantability, fitness for a particular purpose or non-infringement.

13. Limitation of liability. To the extent the law allows, Darkfill is not liable for indirect, incidental, special, consequential or speculative losses arising from your use of the Service, including trading losses from your own decisions. Our total liability for all claims relating to the Service is limited to the greater of $100 (USD) or the amount you paid us in the 12 months before the event giving rise to the claim. This limit does not reduce any refund owed under our Refund Policy, and does not limit liability for fraud, wilful misconduct, gross negligence or anything else the law does not allow us to limit. Your mandatory consumer rights are not affected.

14. Suspension and termination. We may restrict or end your access for a material breach of these Terms, suspected fraud, a security risk or a legal obligation, with notice and a reasonable chance to fix the issue where appropriate. A legitimate refund request or payment dispute is not, by itself, misconduct. If we end your access, or permanently close the membership programme, for reasons unrelated to a breach by you, we will refund the unused part of your current paid period. You may stop using the Service and cancel at any time.

15. Changes to these Terms. We may update these Terms. For material changes, we will email you or show a notice at least 14 days before they take effect. If you keep using the Service after that, the new Terms apply; if you do not agree, cancel before they take effect. Changes never remove refund rights already attached to a payment, or authorize new charges without any consent the law requires.

16. Governing law and disputes. These Terms are governed by the laws of the State of California, USA, except where mandatory law requires otherwise. Disputes may be brought in a court with jurisdiction, without limiting any right you have to bring a claim where you live. You may contact info@darkfill.com to try to resolve a dispute informally, but this is not a condition for exercising your legal rights. These Terms do not require arbitration and do not waive class actions.

17. Language and severability. These Terms are provided in English and Chinese, and both are meant to say the same thing. If they conflict, the English version controls only to the extent the law allows, without limiting any mandatory local-language or consumer protection. If any provision cannot be enforced, the rest remain in effect.

18. Contact. Questions, cancellation help and legal notices: darkfill.com, 7545 Irvine Center Drive, Suite 200, Irvine, CA 92618, info@darkfill.com.