Terms of Use – GenieFX Academy

Terms of Use - GenieFX Academy

Posted Date: December 10, 2025

Effective Date: January 10, 2026

These Terms of Use (“Terms”) constitute a binding legal agreement between you and Cygility International Inc., a California corporation (“GenieFX Academy,” “Company,” “we,” “us,” or “our”), and govern your access to and use of the GenieFX Academy mobile application, websites, APIs, and associated services (collectively, the “App”). By accessing or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms, the Privacy Policy, and the Legal Disclaimer & Risk Disclosure (together, the “Agreement”), including all exclusions and limitations of liability. You warrant that you have full authority and legal capacity to enter into this Agreement. These Terms require disputes to be resolved through binding arbitration on an individual basis, waiving your right to a jury trial or class action lawsuits, as detailed in Section 11. If you do not agree to any part of these Terms, do not use the App.

1. Purpose of the App

The App is an educational platform covering trading in cryptocurrencies, foreign exchange, stocks, and related markets. All material is provided exclusively for educational purposes.

2. Scope of Services

The App provides educational resources and simulated trading environments focused on cryptocurrencies, foreign exchange, stocks, and related markets. No real funds are deposited or traded through the App. All content and resources, including simulated trading environments, are provided for educational and demonstration purposes only. The App does not facilitate real-money trading.

3. No Financial or Investment Advice

The App, including all content, AI-generated outputs, and simulated trading environments, is provided for informational purposes only and does not constitute financial, investment, legal, or other professional advice. No information provided through the App creates any warranty or guarantee of results. Users are encouraged to consult professional advisors before engaging in real-world trading. Simulated trading results are hypothetical and may not reflect real-world outcomes due to factors such as market volatility, slippage, or psychological pressures. The Company is not an investment adviser or broker-dealer. Content, including AI-generated outputs and live analyses, does not constitute personalized investment advice or a guarantee of results. See Clause 1 of the Legal Disclaimer & Risk Disclosure.

4. License to Use

Subject to these Terms, you are granted a personal, worldwide, non-transferable, non-exclusive, royalty-free, limited license to use and access the App solely for educational purposes as permitted by these Terms. You may not use the App for commercial purposes or resell any App content without our express written consent.

5. Eligibility

You represent that you have the legal capacity to enter into this Agreement and that your use of the App complies with all applicable local, state, national, and international laws, including export control laws. The App is intended for use by persons at least 18 years old (or the minimum age required by local law) in jurisdictions where access is legal. We make no claim that the App is accessible or lawful outside the United States.

6. User Accounts

During registration, you may be asked to provide your full name, email, password, phone (optional), birth date (optional), and profile image (optional). You are the sole authorized user of your account and are responsible for all activities conducted under it. You must keep your credentials confidential and take measures to restrict access to your account. The Company is not liable for unauthorized access resulting from your failure to secure your account. You must notify us immediately of any suspected breach at support@geniefxacademy.com. You may delete your account at any time via Settings > Delete my account. Deactivation may result in permanent loss of account data, with retention governed by the Privacy Policy.

7. Data Collection & Use

By using the App, you consent to our collection, use, and disclosure of your personal information as described in our Privacy Policy, incorporated herein by reference. Non-essential cookies (e.g., for analytics) are used only with your consent, as detailed in the Privacy Policy. Affiliate link data shared with partners is limited to non-identifiable information (e.g., click timestamp, anonymous referral ID). For details on data storage, processing, and safeguards, see the “How We Secure and Process Your Data” section of the Privacy Policy. We may disclose your information if required by law or to protect our rights, property, or safety, including to respond to customer service requests, address fraud or security issues, or enforce these Terms. Data breach notifications are handled per the Privacy Policy. You consent to receive electronic communications from us, including notices and updates, which satisfy any legal requirement for written communication.

8. Intellectual Property

All software, text, graphics, logos, course materials, trademarks, and other intellectual property in or underlying the App (“Content”) are owned by the Company or its licensors and protected by law. All intellectual property rights in the App are reserved, and these Terms grant no implied licenses. You may not reproduce, distribute, modify, reverse-engineer, publish, sell, lease, create derivative works of, or otherwise exploit the Content without our express written consent. All copyright and trademark notices must be retained on any permitted copies.

9. Acceptable Use & User-Generated Content (“UGC”)

You agree to use the App in compliance with these Terms and all applicable local, state, national, and international laws. You may not: (i) violate any law; (ii) harass, threaten, defame, or impersonate others; (iii) access or attempt to access another user’s account; (iv) interfere with the App’s operation or security; (v) transmit viruses, spyware, or malicious software; (vi) conduct automated data collection without consent; or (vii) send unsolicited communications. User-generated content (“UGC”) must not violate third-party rights, be defamatory, obscene, unlawful, or promote harm. UGC is additionally governed by Clause 8 of the Legal Disclaimer & Risk Disclosure, which disclaims Company liability for user posts. We reserve the right to remove UGC or suspend access for violations without notice.

10. Modifications, Suspension & Termination

We may modify, add to, suspend, or terminate any part of the App or your access at our sole discretion, with or without notice, including for prolonged inactivity or breach of these Terms or applicable law. Termination may result in deletion of your account data, with retention governed by the Privacy Policy. Provisions related to intellectual property, disclaimers, and liability survive termination.

11. Subscriptions, Billing, Cancellation & Refunds

11.1 Subscription Plans

The App may offer both free and paid subscription plans. The applicable features, prices, and billing periods for each plan are described in the App or at the point of purchase. Any promotional trials or discounts are also subject to these Terms unless expressly stated otherwise.

11.2 Billing and Payment Provider

Paid subscriptions are billed in advance and processed by Stripe or another authorized third-party payment provider (the “Payment Provider”). By starting a paid subscription, you authorize the Company and the Payment Provider to charge the applicable subscription fees, plus any taxes, to your chosen payment method in accordance with the billing terms presented at checkout.

The Company does not store full payment card details on its systems. Your payment information is handled directly by the Payment Provider under its own terms and privacy practices.

11.3 Automatic Renewal

Unless otherwise stated at the time of purchase, subscriptions automatically renew at the end of each billing period (for example, monthly or annually) at the then-current subscription price. Your subscription will continue until you cancel it. If you do not wish to be charged for a subsequent billing period, you must cancel your subscription before the applicable renewal date.

11.4 Cancellation

You may cancel your subscription at any time through your account settings. Upon cancellation:

• your subscription will remain active until the end of the current paid billing period; and

• you will not receive a refund or credit for any unused portion of that billing period, except as described in Section 11.5 or where required by applicable law.

It is your responsibility to manage and cancel your subscription before the next billing date if you no longer wish to be charged.

11.5 Refund Policy

11.5.1 General Rule – Non-Refundable Digital Services

Subscriptions provide immediate access to digital content and services once your payment is processed. By completing a purchase, you (i) acknowledge that access to the service begins immediately, and (ii) agree that, to the extent permitted by law, subscription fees are non-refundable once billed, except in the limited cases described in Section 11.5.2 or where otherwise required by applicable law.

11.5.2 When Refunds May Be Considered

Subject to the timeframe in Section 11.5.4, the Company may, in its reasonable discretion, approve a refund only in the following cases:

1. Duplicate Charge – you were inadvertently charged more than once for the same subscription period.

2. Technical Failure Blocking Access – a verified technical issue on the Company’s side (and not related to your device, internet connection, or third-party services) prevented you from accessing paid features for a substantial portion of the billing period.

3. Billing Error by the Company – you were charged an incorrect price or enrolled in the wrong plan due to an error by the Company, compared with the offer presented at the time of purchase.

The Company may, but is not obliged to, consider refunds in other exceptional situations where a clear and material error on its side is demonstrated.

11.5.3 When Refunds Will Not Be Issued

Refunds will not be provided for:

• market losses, trading performance, or any financial results outside the App;

• general dissatisfaction with the content, style, or perceived usefulness of the App;

• lack of usage or failure to use the App or subscription features;

• change of mind, change of personal circumstances, or similar subjective reasons.

All educational materials, analyses, and AI-generated content are provided “as is” and do not guarantee any specific outcome or result.

11.5.4 How and When to Request a Refund

To be eligible for review under Section 11.5.2, you must contact the Company within seven (7) calendar days from the billing date of the relevant charge. Your request should include:

• the email address associated with your account;

• the date and amount of the charge;

• the Payment Provider used (for example, Stripe); and

• a brief description of the issue.

If a refund is approved, the Company will instruct the Payment Provider to process it. The time for funds to appear in your account depends on your bank or card issuer but is typically between three (3) and ten (10) business days. Nothing in this Section 11.5 limits any mandatory consumer rights you may have under applicable law.

11.6 Misuse, Abuse, and Chargebacks

The Company may deny refunds and may suspend or terminate your account without refund if it detects:

• sharing or resale of your account in violation of these Terms;

• abuse or misuse of the App or its subscription features;

• fraudulent activity or attempts to obtain unauthorized benefits; or

• abusive or manipulative chargeback behavior.

The Company may also block future purchases or subscriptions from the same account, device, or payment method in such cases. This Section is in addition to any other rights or remedies available to the Company under these Terms or applicable law.

11.7 Changes to Subscriptions and Pricing

The Company may modify subscription plans, features, or prices from time to time. If the price of your existing subscription is changed, the Company will provide notice in advance by email, in-App notice, or at the point of renewal. The updated price will apply from your next billing period. If you do not agree to the new price or terms, you must cancel your subscription before the next renewal date.

Nothing in this Section 11 affects any non-waivable statutory rights you may have under applicable consumer protection laws.

12. Limitation of Liability

To the maximum extent permitted by applicable law, the Company, its subsidiaries, officers, employees, contractors, affiliates, partners, suppliers, agents, and licensors are not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the App; (ii) the cost of procuring substitute goods or services; (iii) any conduct or content of third parties; (iv) any content obtained from the App; (v) unauthorized access, use, or alteration of your transmissions or content; or (vi) other matters related to the App. Our aggregate liability shall not exceed the greater of one hundred U.S. dollars (U.S. $100.00) or the amount you paid us, if any, in the past six months for the App giving rise to the claim. These limitations apply regardless of the theory of liability, whether based in contract, tort (including negligence), warranty, statute, or otherwise. Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above may not apply to you. Liability is limited as set forth in Clause 10 of the Legal Disclaimer & Risk Disclosure.

13. Governing Law; Binding Arbitration; Waiver of Class Actions

This Agreement is governed by the laws of the State of California, USA, without regard to conflict-of-law principles, except where mandatory provisions of applicable law, including the General Data Protection Regulation (GDPR) or UK GDPR for users in the European Union (EU) or United Kingdom (UK), require otherwise. Any dispute, claim, or controversy arising out of or relating to the App or these Terms will be resolved through mandatory binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules in Los Angeles County, California, unless you are an EU or UK resident, in which case you may also have the right to pursue claims through the courts or competent data protection authorities in your country of residence as provided under GDPR or UK GDPR. The U.S. Federal Arbitration Act governs this provision for non-EU/UK users. You waive your right to a jury trial and to participate in class or multi-party actions, except where such waivers are prohibited by applicable EU or UK law. Any dispute must be commenced within one year after the cause accrues, or it is permanently barred, unless a longer period is required by mandatory local law. We may seek injunctive relief in California state or federal courts for violations or threatened violations of our intellectual property rights, and you consent to exclusive jurisdiction and venue in such courts, subject to any mandatory rights under GDPR or UK GDPR for EU/UK residents to pursue remedies in their local jurisdiction. EU/UK residents may contact their local data protection authority or our Data Protection Officer at support@geniefxacademy.com for GDPR/UK GDPR-related complaints. Nothing in this clause limits your right, if applicable, to lodge a complaint with a supervisory authority as described in our Privacy Policy. This provision survives termination of this Agreement.

14. Indemnity

You agree to indemnify, defend, and hold harmless the Company, its subsidiaries, officers, employees, contractors, agents, affiliates, partners, suppliers, and licensors from any third-party claims or disputes arising from your use of the App, violation of these Terms, or infringement of third-party rights, including associated costs and attorney’s fees. We may assume control of the defense at your expense, and you agree to cooperate fully. You may not settle any such claims without our prior written consent.

15. Copyright Policy

We respect the intellectual property rights of others and will respond to notices of copyright infringement that comply with 17 U.S.C. 512(c). To submit a notice, provide: (i) a physical or electronic signature of the copyright owner or authorized agent; (ii) identification of the copyrighted work claimed to be infringed; (iii) identification of the infringing material and information to locate it; (iv) your contact information; (v) a good-faith statement that the use is unauthorized; and (vi) a statement under penalty of perjury that the information is accurate. Notices should be sent to support@geniefxacademy.com. We may remove infringing content and terminate repeat infringers’ accounts at our discretion.

16. General Terms, Electronic Communications, and Feedback

These Terms, our Privacy Policy, and the Legal Disclaimer & Risk Disclosure constitute the entire and exclusive agreement between you and the Company regarding your use of the App, superseding all prior agreements. Our failure to enforce any provision does not waive it. If any provision is held invalid or unenforceable, it will be removed, and the remaining provisions will remain enforceable. You may not assign your rights under these Terms without our prior written consent, and any attempt to do so is null and void. We may freely assign these Terms without notice. The rights of all parties are cumulative and not exclusive unless required by law. By using the App, you consent to receive electronic communications, including notices, disclosures, and updates, which satisfy any legal requirement for written communication. You assign all rights in feedback or complaints provided to us concerning the App, and we may use such feedback without restriction. Feedback is non-confidential and non-proprietary.

17. Contact Information

For inquiries, to report violations of these Terms, or to request accessible formats (e.g., PDF, large print, audio) for these Terms, contact us at:

• Email: support@geniefxacademy.com

• Postal Address: Cygility International Inc., 2724 South Buena Vista Ave., Corona, CA 92882, USA