Risk Disclaimer

Last Updated: January 2026

General Trading Risks

Trading foreign exchange (Forex), contracts for difference (CFDs), and other leveraged financial instruments carries a high level of risk and may result in the loss of all invested capital. You should carefully consider whether trading is appropriate for your financial situation, experience level, and risk tolerance.

Factors to consider include but are not limited to:

• Leverage can magnify both profits and losses
• Market volatility can result in rapid price movements
• Liquidity conditions may impact order execution
• Economic events and geopolitical developments create uncertainty
• Technical and connection issues may affect trading operations

Software and Automation Risks

Expert Advisors and automated trading systems involve specific risks:

• Automated systems may execute trades rapidly, potentially amplifying losses during adverse market conditions
• Software performance depends on proper configuration, broker compatibility, server stability, and internet connectivity
• Historical backtesting results do not guarantee future performance
• Market conditions change, and strategies that performed well historically may not perform well in current or future market environments
• Technical failures, including but not limited to power outages, internet disruptions, or platform malfunctions, may prevent proper operation
• Users are responsible for monitoring automated systems and implementing appropriate risk controls

No Investment Advice

CTR Exchange provides software tools and educational content only. We do not provide financial advice, investment recommendations, portfolio management, or account management services. Nothing on this website or in our products should be construed as a recommendation to buy or sell any financial instrument.

All trading decisions are made solely by the user. Users should conduct their own research, seek independent financial advice, and carefully consider their individual circumstances before making any trading decisions.

Trading Signals Disclaimer

Trading signals provided through our subscription service are for educational and informational purposes only. These signals represent market observations and potential trade ideas for learning purposes, not recommendations to enter trades.

• Signals do not guarantee accuracy, completeness, or timeliness
• Historical performance of educational signals is not indicative of future results
• Market conditions may change rapidly, making signals obsolete
• Users must conduct their own analysis and make independent trading decisions
• CTR Exchange is not responsible for any trading losses resulting from signal usage

No Guarantees or Warranties

CTR Exchange makes no representations or warranties regarding:

• Profitability or trading results from using our software or signals
• Accuracy, reliability, or completeness of information provided
• Suitability of our products for any particular purpose or trading style
• Uninterrupted or error-free operation of software
• Compatibility with all brokers, platforms, or operating systems

Hypothetical Performance Disclosure

Where hypothetical or backtested performance results are presented:

• Hypothetical performance results have inherent limitations
• Simulated results do not represent actual trading and may not reflect the impact of material market factors
• Backtesting assumes perfect execution without slippage or requotes
• Results may not account for all fees, commissions, and spreads
• Hypothetical results are prepared with the benefit of hindsight

User Responsibility

By using CTR Exchange products and services, you acknowledge and agree that:

• You are solely responsible for all trading decisions and outcomes
• You understand the risks associated with leveraged trading
• You will use appropriate risk management and position sizing
• You will test software thoroughly before using it with live capital
• You will monitor automated systems and intervene when necessary
• You will seek independent financial advice appropriate to your circumstances

Regulatory Notice

CTR Exchange is a software and educational content provider. We are not a broker, investment advisor, financial institution, or regulatory entity. We do not manage client funds, execute trades on behalf of clients, or provide regulated financial services.

Trading regulations vary by jurisdiction. It is your responsibility to ensure compliance with all applicable laws and regulations in your jurisdiction.

Limitation of Liability

To the maximum extent permitted by law, CTR Exchange and its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use or inability to use our products and services, including but not limited to trading losses, lost profits, or business interruption.

Terms of Service

Last Updated: January 2026

1. Acceptance of Terms

By accessing and using the CTR Exchange website and services, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use our services.

2. Service Description

CTR Exchange provides:

• Trading software including Expert Advisors and technical indicators
• Educational content and market analysis through subscription services
• Technical documentation and user support

All products and services are provided for educational and informational purposes only. CTR Exchange does not provide investment advice, manage client funds, or execute trades on behalf of users.

3. Digital Product Purchases

3.1 License Grant: Upon purchase, you receive a non-exclusive, non-transferable license to use the software for personal trading purposes.

3.2 Delivery: Digital products are delivered electronically immediately upon successful payment. You will receive download instructions via email.

3.3 Restrictions: You may not:

• Distribute, resell, or lease the software to third parties
• Reverse engineer or decompile the software (except where source code is provided)
• Remove or modify copyright notices or proprietary markings
• Use the software for illegal purposes or in violation of broker terms

4. Subscription Services

4.1 Billing: Subscription fees are billed in advance on a recurring basis according to your chosen billing cycle (monthly, quarterly, or annually).

4.2 Automatic Renewal: Subscriptions automatically renew unless cancelled before the next billing date.

4.3 Cancellation: You may cancel your subscription at any time through your account dashboard or by contacting support. Cancellation takes effect at the end of the current billing period.

4.4 Access: Upon cancellation or non-payment, access to subscription content is terminated.

5. Payment Terms

5.1 Payment Methods: We accept payments through Stripe and PayPal. All transactions are processed securely through these third-party payment processors.

5.2 Currency: All prices are listed in United States Dollars (USD).

5.3 Taxes: Prices do not include applicable taxes. You are responsible for all applicable taxes based on your jurisdiction.

5.4 Price Changes: We reserve the right to modify pricing. Existing subscriptions will maintain their current rate until renewal.

6. User Obligations

You agree to:

• Provide accurate registration and payment information
• Maintain the confidentiality of your account credentials
• Comply with all applicable laws and regulations
• Use products and services only for lawful purposes
• Not engage in unauthorized access or system interference
• Assume full responsibility for all trading decisions and outcomes

7. Intellectual Property

All content, software, trademarks, and materials on the CTR Exchange website are the property of CTR Exchange or its licensors and are protected by intellectual property laws. Unauthorized use is prohibited.

8. Disclaimer of Warranties

PRODUCTS AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. CTR EXCHANGE DISCLAIMS ALL WARRANTIES INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• Products will meet your specific requirements or expectations
• Services will be uninterrupted, timely, secure, or error-free
• Results obtained from using products will be accurate or reliable
• Software will be compatible with all systems or brokers

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CTR EXCHANGE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR TRADING LOSSES, ARISING FROM YOUR USE OF OUR PRODUCTS AND SERVICES.

Our total liability for any claims shall not exceed the amount you paid to CTR Exchange in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless CTR Exchange and its affiliates from any claims, damages, losses, or expenses arising from your use of our products and services or violation of these terms.

11. Technical Support

Technical support is provided for software installation and configuration issues. Support does not include trading advice, strategy development, or troubleshooting of trading outcomes. Support availability varies by product and is limited to the support period specified with your purchase.

12. Modifications to Terms

CTR Exchange reserves the right to modify these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of modified terms.

13. Termination

We reserve the right to suspend or terminate your access to our services for violation of these terms, fraudulent activity, or any other reason at our sole discretion.

14. Governing Law

These Terms of Service are governed by the laws of the State of Wyoming, United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Wyoming.

15. Severability

If any provision of these terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

16. Contact Information

For questions about these Terms of Service, contact us at:

CTR Exchange LLC
Email: support@ctr-exchange.com

Privacy Policy

Last Updated: January 2026

1. Introduction

CTR Exchange LLC ("we," "our," or "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.

2. Information We Collect

2.1 Information You Provide:

• Account Information: Name, email address, billing address when you create an account or make a purchase
• Payment Information: Processed securely through Stripe and PayPal; we do not store complete credit card information
• Communication Data: Messages, inquiries, and support requests you send us
• Profile Information: Trading platform preferences, subscription settings

2.2 Automatically Collected Information:

• Usage Data: Pages viewed, features used, time spent on site
• Device Information: IP address, browser type, operating system, device identifiers
• Cookies and Tracking: We use cookies and similar technologies to enhance user experience

3. How We Use Your Information

We use collected information for the following purposes:

• Process transactions and deliver purchased products
• Provide subscription services and content delivery
• Send account notifications and service updates
• Provide technical support and respond to inquiries
• Improve our website, products, and services
• Prevent fraud and ensure platform security
• Comply with legal obligations
• Send marketing communications (with your consent)

4. Information Sharing and Disclosure

We do not sell your personal information. We may share information with:

4.1 Service Providers:

• Payment Processors: Stripe and PayPal for payment processing
• Email Services: For delivering newsletters and notifications
• Hosting Providers: For website and database hosting
• Analytics Services: For understanding website usage

4.2 Legal Requirements: We may disclose information when required by law, legal process, or to protect our rights and safety.

4.3 Business Transfers: In the event of a merger, acquisition, or sale of assets, user information may be transferred to the acquiring entity.

5. Payment Processing

All payment transactions are processed through Stripe and PayPal. These payment processors maintain PCI-DSS compliance and handle sensitive payment information according to their respective privacy policies.

We receive only transaction confirmation and limited payment information (last 4 digits of card, transaction ID) necessary for order fulfillment and record keeping.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Essential Cookies: Enable core website functionality and security
• Analytics Cookies: Understand how visitors use our website
• Functional Cookies: Remember your preferences and settings
• Marketing Cookies: Deliver relevant advertisements (with your consent)

You can control cookie preferences through your browser settings. Disabling cookies may limit certain website functionality.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit using SSL/TLS
• Secure data storage with access controls
• Regular security assessments and updates
• Employee training on data protection

However, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security.

8. Data Retention

We retain your personal information for as long as necessary to:

• Provide services and support
• Comply with legal obligations (e.g., tax records)
• Resolve disputes and enforce agreements
• Maintain business records

Account information for active accounts is retained indefinitely. Inactive accounts may be deleted after a reasonable period. Financial records are retained according to applicable legal requirements.

9. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights:

• Access: Request a copy of personal information we hold about you
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Portability: Request transfer of your data to another service
• Objection: Object to certain processing activities
• Opt-out: Unsubscribe from marketing communications

To exercise these rights, contact us at support@ctr-exchange.com.

10. Marketing Communications

With your consent, we may send you promotional emails about products, services, and special offers. You can opt out at any time by:

• Clicking the "unsubscribe" link in any marketing email
• Updating preferences in your account settings
• Contacting us directly

Transactional emails (order confirmations, account notifications, support responses) are necessary for service delivery and cannot be opted out of while using our services.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

12. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will delete it promptly.

13. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place when transferring data internationally.

14. California Privacy Rights

California residents have specific rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected
• Right to know if personal information is sold or disclosed
• Right to opt-out of sale of personal information (we do not sell personal information)
• Right to deletion of personal information
• Right to non-discrimination for exercising privacy rights

To exercise these rights, contact us at support@ctr-exchange.com.

15. Changes to Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page with an updated effective date. Significant changes will be communicated via email to registered users.

Your continued use of our services after changes constitutes acceptance of the updated Privacy Policy.

16. Contact Us

For questions, concerns, or requests regarding this Privacy Policy or our data practices, contact us at:

CTR Exchange LLC
Email: support@ctr-exchange.com

Refund Policy

Last Updated: January 2026

1. Digital Products Refund Policy

Due to the nature of digital products and instant delivery, refunds for Expert Advisors, indicators, and other software products are generally not available once access has been granted and download instructions have been provided.

1.1 Exceptions: Refunds may be issued in the following circumstances:

• Technical Issues: If the product cannot be installed or operated due to verifiable technical defects, and our support team cannot resolve the issue within 14 days of reporting
• Unauthorized Charges: If you can demonstrate that a charge was made without your authorization
• Duplicate Purchases: If you accidentally purchased the same product multiple times
• Product Misrepresentation: If the product materially differs from its description on our website

1.2 Refund Request Timeline: Refund requests must be submitted within 14 days of the original purchase date.

1.3 Required Information: Refund requests must include:

• Order number and purchase date
• Detailed explanation of the issue
• Evidence of technical problems (error messages, screenshots)
• Documentation of support interactions

2. Subscription Services Refund Policy

2.1 Monthly Subscriptions: Monthly subscriptions are non-refundable. You may cancel at any time, and cancellation takes effect at the end of the current billing period. No partial refunds are provided for unused time within a billing period.

2.2 Quarterly and Annual Subscriptions: Quarterly and annual subscriptions may be eligible for prorated refunds if:

• Cancellation request is made within 7 days of the initial subscription purchase
• Minimal usage of subscription services can be demonstrated
• There are exceptional circumstances (at our sole discretion)

2.3 Subscription Cancellation: To cancel a subscription:

• Log into your account dashboard and select "Cancel Subscription"
• Contact support at support@ctr-exchange.com
• Cancellation takes effect at the end of the current billing cycle
• You will retain access until the paid period expires

3. Refund Processing

3.1 Review Period: Refund requests are reviewed within 5-7 business days.

3.2 Approved Refunds: If your refund is approved:

• Refunds are processed through the original payment method
• Processing time is 5-10 business days depending on your financial institution
• You will receive a confirmation email
• Access to products and subscription services will be revoked

3.3 Partial Refunds: In some cases, partial refunds may be offered at our discretion, particularly for:

• Product bundles where only one item has issues
• Long-term subscriptions cancelled early
• Special promotional circumstances

4. Non-Refundable Items

The following are non-refundable:

• Custom development or modification work
• Consulting or educational services after delivery
• Products purchased during final sale or clearance events
• Gift card or promotional credit purchases

5. Chargebacks and Disputes

If you initiate a chargeback with your payment provider without first contacting us:

• We will provide documentation to your payment provider demonstrating product delivery
• Your account will be suspended pending resolution
• If the chargeback is found to be illegitimate, your account will be permanently terminated
• We reserve the right to pursue legal action for fraudulent chargebacks

We strongly encourage you to contact us directly before initiating a chargeback. We are committed to resolving issues fairly.

6. Product Updates and Changes

We periodically update products to fix bugs, improve performance, or add features. Product updates do not entitle users to refunds. If a major feature is removed or significantly changed, we will provide advance notice and may offer alternative solutions.

7. Warranty Disclaimer

This refund policy does not constitute a warranty. Products are provided "as is" without guarantees of profitability, performance, or suitability for specific purposes. Refunds are granted at our sole discretion based on the criteria outlined in this policy.

8. EU Consumer Rights

For customers in the European Union: By purchasing and immediately accessing digital products, you acknowledge and agree that you waive your right to the 14-day withdrawal period provided under EU consumer protection laws, as the performance of the contract begins with immediate delivery of digital content.

9. How to Request a Refund

To request a refund:

1. Email support@ctr-exchange.com with "Refund Request" in the subject line
2. Include your order number, purchase date, and product name
3. Provide a detailed explanation of why you're requesting a refund
4. Include supporting documentation (screenshots, error messages, etc.)
5. Allow 5-7 business days for review and response

10. Contact Information

For questions about this Refund Policy or to request a refund:

CTR Exchange LLC
Email: support@ctr-exchange.com

11. Changes to Refund Policy

We reserve the right to modify this Refund Policy at any time. Changes will be posted on this page with an updated effective date. The policy in effect at the time of purchase governs that transaction.