DipBell Terms of Service

1. Who we are. DipBell is a financial publication operated by cleo research LLC, a California limited liability company ("DipBell", "we"). Contact: hello@dipbell.com.

2. What DipBell is, and is not. DipBell publishes the same trade ideas, records and tools to every reader. We do not know your account, goals or finances, and nothing we publish is advice for you personally. DipBell is not a registered investment adviser or broker-dealer and is not licensed or certified by any regulator. We do not manage money, take custody of funds, place trades for you, connect to your brokerage account, or answer questions about your own positions. You alone decide whether to trade, and you are responsible for your own trades.

3. Risk. Options involve substantial risk and are not suitable for everyone. A sold option can lose more than the premium collected. Read "Characteristics and Risks of Standardized Options" from your broker before trading options. Results marked "live" are our own published record; all other figures, including the Book and the Lab, are hypothetical and have limits: they are computed on past prices and do not reflect every cost or fill. Past results do not predict future results.

4. Eligibility. You must be 18 or older and live in the United States to buy a membership.

5. Membership, free trial and automatic renewal. A Member plan costs $9.99 a month or $99 a year, plus any tax shown at checkout. New members get a 30-day free trial: we take your card at sign-up and charge nothing during the trial. Unless you cancel before the trial ends, your membership starts automatically and renews every month (or every year) at the price shown at checkout, charged to the card you gave, until you cancel. One free trial per person.

6. Cancelling. You can cancel any time on your Account page with one click, or by emailing hello@dipbell.com with the subject "Cancel". Cancelling during the trial means you are never charged. Cancelling after a charge stops all future charges; your access lasts to the end of the period you paid for. Refunds are covered by our Refund Policy at dipbell.com/refunds, which is part of these Terms.

7. Price changes. We will email you at least 7 and no more than 30 days before any change in your price, with how to cancel. A change never applies to a period you have already paid for. Annual members get a reminder at least 15 and no more than 45 days before each renewal.

8. Your account. Membership is for one person. Do not share your login or resell, republish or redistribute member content (trade ideas, contracts, records, Lab results) outside DipBell, except the share pictures we provide for that purpose.

9. The members' Discord. Access to the DipBell Discord is part of membership while it runs and follows its posted rules, including that we never answer questions about your own account. Discord's own terms also apply. We may remove anyone who breaks the rules; repeated or serious breaches may end a membership, with a pro-rated refund of the unused paid period.

10. Our content. DipBell's content, design and software belong to us. Prices and market data are shown for your personal use only.

11. No warranty. DipBell is provided "as is". We work to publish on schedule and accurately, but we do not promise that the service will be uninterrupted, error-free, or that any idea will make money. If a publish fails or contains an error, we will correct it on the record.

12. Limit of liability. To the extent the law allows, we are not liable for trading losses or for indirect or consequential damages, and our total liability to you is limited to the amount you paid us in the 12 months before the claim. Nothing in these Terms limits rights you have under consumer protection law that cannot be waived.

13. Ending the service. If we stop publishing DipBell, we will tell you by email and refund any unused paid period.

14. Changes to these Terms. We will email you and post the new version at least 30 days before a material change takes effect; if you do not agree, you may cancel and receive a pro-rated refund of the unused paid period.

15. Law and disputes. California law governs these Terms. Please write to us first; we will try to resolve any problem within 30 days. You may bring a claim in small claims court or in the state or federal courts of San Diego County, California.