Welcome to Online Trading University ('the firm/company/consultant'). Our parent company is Raleigh Investment Consultant LLC, DBA U.S. Investment Advisor. We hope that you like our services.

Any person or entity interested in any of the services offered by us is referred to as a 'member(s)/student(s)/client(s). By using the services, you are agreeing to be bound by the following terms and conditions (“Terms and Conditions” or “Terms of Use”) listed below. These terms govern your use and access to the website and all our services. We may change these terms at any time, but we will post a notice on this website of any material changes and notify the existing clients of these changes. We reserve the right to change or even eliminate certain services with no notice, at our sole discretion. Please note that we were a registered investment advisor (RIA), registered with the state of North Carolina, however, have since voluntarily withdrawn the registration in 2022. We do not provide investment advisory services but only educational services.

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1. 1. Clients should understand that these services are different from ongoing investment management services in that they are not specific to any individual’s financial condition and are general in nature. Therefore education offered by us is not investment advice to students. All students are encouraged to speak with a licensed representative of their choice regarding the appropriateness of investing/trading or of any particular investment/trading strategy.

   2. The firm will provide these services to students, which will prepare them to trade securities actively, using an electronic trading platform, specifically pertaining to equity securities. 

   3. Students will use their own trading brokerage account established at an appropriate financial firm that utilizes an electronic (online) trading platform for trading securities and other financial instruments. Brokerage accounts may charge commissions and fees and students are responsible to establish their personal accounts. Students may open a trading account with any broker/dealer of their choice.

   4. Names of the financial institutions or securities mentioned during training are for educational or illustration purposes only and are not intended as an advertisement or promotion of their services or as investment advice for that security. 

   5. This course is not a preparation to get any professional or securities license such as a broker or adviser. As used on this website and in our communications, the word "professional" is used as an adjective to describe the exceptional quality of our strategy and the confidence of the consultant in trade placement. None of our courses will provide education to become a licensed broker in the financial industry, or licensing in any other profession, which will not lead to any job, employment, or professional certification.

   6. The consultant and this firm are independently owned and the pricing of the services may change in the future. 

   7. Investing and trading involve financial risk. The education provided by the consultant can help minimize trading risk. The firm understands the risks involved in trading and investments and emphasizes risk management in the education offered. Electronic active trading involves special risks and may not be suitable for everyone. Financial losses, if any, incurred while trading in their personal account will be the sole responsibility of the student. An active trader should understand the operation of a margin account under various market conditions and review his or her investment objectives, financial resources, and risk tolerances to determine whether margin trading is appropriate for them. The increased leverage that margin provides may heighten risk substantially, including the significant risk of loss. You acknowledge and agree that no promise or guarantee of success or profitability has been made between the student and the firm. 

   8. These are as-needed services and do not imply a long-term or ongoing relationship between the firm and the student. The firm is not responsible for any trading activity, not its outcome, as done by students in their own trading accounts.

   9. Any fair use of third-party trademarks or logos does not imply affiliation or sponsorship.

   10. The performance results, live illustrations, and trade examples found on the website are based on real live trades in the consultant's personal accounts. Only pertinent trades are listed in the portfolio and this portfolio list does not include all of our trades. As market conditions can change at any time, past performance is not indicative of future results. Results will also vary depending on how a student understands and applies the strategy. Individual results vary and no representation is being made that students/members will or are likely to achieve profits or losses similar to those that are shown.

   11. Testimonials, if present, may not be representative of all reasonably comparative clients.

   12. Live price data, if presented in a tabulated format, is for education purposes,  and is provided using "Google Finance" data and can be delayed by a few minutes. Clients are advised to confirm the price of a security with their respective brokerage firm. 

   13. All of the content on the firm's websites, classroom or webinar education, and any Service that the consultant provides is protected by U.S. and international copyright laws and is the property of the firm. The content includes any information, mode of expression, or other materials and services found on the firm website or in the classroom. The firm had applied a provisional application for a utility patent with U.S. Patent and Trademark Office, to protect its intellectual property. You may not share, republish, post, transmit, or distribute the firm's content anywhere without the firm's consent. Therefore, the firm requests you not indulge in any activities that will harm the potential intellectual property presented in the contents. Without the firm's prior written approval, duplication, reproduction, or sharing of the educational material presented online or during the courses is strictly prohibited and may lead to legal consequences. Your access to our educational material may be monitored using an IP address. Any unauthorized activity as mentioned above will lead to the immediate deactivation of your account, without any refund of the fees you paid. 

   14. Although we will try our best to provide services, the firm does not guarantee that the services and communication with members will be delivered uninterrupted, timely, secure, or error-free basis, especially if there are circumstances beyond our control, such as but not limited to, technological failure, medical needs or family emergency on part of the firm's representatives. The firm has the right to cancel scheduled services at any time without prior notice. Payments made for canceled services will be refunded to students or they can reschedule these services. A communication email will be sent to students as soon as possible to keep them updated.

   15. You agree that under no circumstances will the firm or its employees, be liable for direct, indirect, incidental, consequential, punitive, or any other type of damages resulting from your use, purchase of services, or downloading of any material on our websites, or arising from or related to these terms or the privacy policy, even if we have been advised of the possibility of such damages. This includes, but is in no way limited to, financial loss or injury caused in whole or in part by our negligence or by conditions beyond our control in creating or delivering any of our services. This disclaimer of liability may not apply in certain states.

   16. There is no perfect trading or investment methodology. Financial markets can be unpredictable. The knowledge or strategy presented by the firm does not include all the variables of the financial world and is not perfect. It should be used “as is, with all faults, we're not perfect" basis. 

   17. Cancellation and refund policy: All sales are final and not refundable unless already paid services are canceled by the firm. But at the same time, we understand that emergency situations can arise and you may have to cancel/reschedule a Service. Contact us by email and we will try to resolve the issue. Rescheduling a class or refunding a payment will be determined on a case-by-case basis and is not guaranteed.