Terms of Service

1. The Service & Eligibility

Full Return Club LLC ("FRC", "we", "us") operates the website at fullreturnclub.com and related applications (the "Service"). The Service provides options market data, analytical tools, an AI assistant ("Snipa Algo"), a paper trading simulator, and a social feed. By creating an account or using the Service you agree to these Terms of Service ("Terms").

The Service is offered only to residents of the United States who are at least 18 years old. By signing up you represent and warrant that you are a US resident, are at least 18 years old, have the legal capacity to enter this agreement, and are not on any US sanctions list. If you are outside the United States, or under 18, you are not authorized to use the Service. Lying about your residency or age is a material breach of these Terms and grounds for immediate account termination without refund.

2. Not Financial Advice

FRC is for informational and educational purposes only. Nothing on the Service is a recommendation to buy, sell, or hold any security, option, or other financial instrument. We are not a registered investment adviser, broker-dealer, or financial planner. We do not know your financial situation, risk tolerance, or investment objectives, and we are not providing personalized advice. You are solely responsible for your trading decisions and their outcomes.

FRC is not a counterparty to any trade you place. We do not execute trades on your behalf, take the other side of your trades, custody your funds, or share in your gains or losses. Any profits or losses you experience are the result of decisions you made independently using your own broker, with your own risk capital. We have no financial interest in your trading outcomes.

Options trading carries substantial risk of loss including the total loss of principal. Consult a licensed professional before making investment decisions.

3. AI Output ("Snipa Algo")

The Service includes an AI-powered chat assistant. AI output is generated by a language model and may be inaccurate, incomplete, hallucinated, or misleading. The AI does not have a fiduciary duty to you. You must independently verify any information before acting on it. The AI is not a substitute for licensed financial, legal, or tax advice.

4. Paper Trading

The paper trading feature is a simulation using historical or delayed market data. Simulated results do not predict, guarantee, or reflect real trading outcomes. Slippage, fills, fees, and emotional factors are not modeled. Treat paper trading as practice, not validation.

5. User Content

You retain ownership of content you post. You grant FRC a worldwide, royalty-free license to display, distribute, and reproduce your content within the Service. You are responsible for your content and must comply with our Acceptable Use Policy.

6. Acceptable Use & Account Sharing

You may not:

• Scrape, mirror, redistribute, or resell our data, signals, or AI output
• Use the Service to harass, dox, defame, or threaten others
• Post content that violates law (including securities fraud, market manipulation)
• Attempt to access accounts you don't own or circumvent rate limits
• Use automated systems to interact with the Service except as we permit
• Share your account credentials with anyone else, or use a single account on behalf of multiple people. Each subscription is for a single natural person. Concurrent use from multiple physical locations, or session patterns inconsistent with one person, are grounds for account termination without refund

We may suspend or terminate accounts for violations at our sole discretion, without notice, and without refund.

7. Subscriptions and No Refunds

Paid plans renew automatically until cancelled. You may cancel at any time from your account settings; access continues through the end of the paid period. All sales are final. We do not offer refunds for any reason, including (but not limited to) unused subscription time, dissatisfaction with the Service, trading losses, or feature changes. We do not refund trading losses because we are not a counterparty to your trades and bear no responsibility for the outcome of your trading decisions. See our Refund Policy for the full terms.

8. Limitation of Liability

To the maximum extent permitted by law, FRC's total aggregate liability for any and all claims arising from or related to your use of the Service is limited to the amount you paid us in the twelve (12) months preceding the claim, or one hundred US dollars ($100), whichever is greater. We are not liable for indirect, consequential, special, incidental, or punitive damages, including trading losses, lost profits, or lost opportunity, even if we have been advised of the possibility of such damages. This limitation applies regardless of the legal theory (contract, tort, statute, or otherwise).

9. No Warranty

The Service is provided "as is" and "as available". We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy, timeliness, and non-infringement. Market data may be delayed, incorrect, or unavailable. Signals, pattern labels, and AI output may be wrong.

10. Changes to the Terms

We may update these Terms. Material changes require re-acceptance on next login. The "Last updated" date and version above reflect the current revision. Continued use after a material change constitutes acceptance of the updated Terms.

11. Dispute Resolution — Binding Arbitration

Please read this section carefully — it affects how disputes are resolved and limits the remedies available to you.

11.1 Binding individual arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or your relationship with FRC shall be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, before a single arbitrator. Arbitration shall take place in the United States in a venue reasonably convenient to you. Judgment on the arbitrator's award may be entered in any court of competent jurisdiction.

11.2 Class-action waiver. You and FRC agree that any dispute will be resolved on an individual basis only. You waive any right to bring, join, or participate in a class action, class arbitration, mass arbitration, consolidated proceeding, or representative action. If a court finds the class-action waiver unenforceable, the entire arbitration provision in Section 11 shall be void and disputes shall instead be resolved in court under Section 12.

11.3 Small-claims carve-out. Either party may bring an individual claim in small-claims court of competent jurisdiction in lieu of arbitration, provided the claim remains in small-claims court and stays within that court's jurisdictional limits.

11.4 30-day opt-out. You may opt out of this arbitration agreement by emailing legal@fullreturnclub.com with subject line "Arbitration Opt-Out" within 30 days of first accepting these Terms. Your email must include your account email address. Opting out does not affect any other provision of these Terms.

11.5 Pre-dispute notice. Before initiating arbitration, the complaining party must send a written notice describing the dispute to legal@fullreturnclub.com and allow 30 days for the other party to attempt to resolve the dispute informally.

12. Governing Law & Venue (for non-arbitrated matters)

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. For any dispute that is not subject to arbitration under Section 11, the parties consent to the exclusive jurisdiction of the state and federal courts located in Delaware.

13. Severability

If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect. The unenforceable provision shall be interpreted to achieve, as closely as possible, the parties' original intent within the bounds of law.

14. Contact

Questions or notices: legal@fullreturnclub.com