Terms of Service

Welcome to Unity Digital Marketing LLC, d/b/a OptionWatchList.com ("Company," "we," "us," or "our"). By accessing or using our website, mobile applications, courses, materials, or any other services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use our Services.

1. Acceptance of Terms

By creating an account, purchasing content, or accessing any portion of our Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and the Company.

2. Description of Services

The Company provides educational content related to personal finance, investing, budgeting, and related topics ("Educational Content"). Our Services are for informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. You should consult qualified professionals before making any financial decisions.

3. User Accounts

To access certain features, you must register for an account. You agree to provide accurate, current, and complete information and to keep this information updated. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. Accounts are personal to you and may not be shared with or transferred to any other person.

4. Fees and Payment

Certain Services require payment. All fees are non-refundable except as expressly stated in our Refund Policy or as required by applicable law. We reserve the right to modify pricing at any time. Continued use after a price change constitutes acceptance of the new pricing.

5. Intellectual Property Rights

5.1 Ownership

All Educational Content, including but not limited to courses, videos, audio recordings, written materials, graphics, logos, software, code, data compilations, user interfaces, methodologies, frameworks, and any other materials provided through the Services (collectively, "Proprietary Materials"), are the exclusive property of the Company or its licensors. The Proprietary Materials are protected by copyright, trademark, trade secret, and other intellectual property laws of the United States and international jurisdictions.

5.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and view the Proprietary Materials solely for your personal, non-commercial educational use. This license does not include any right to reproduce, distribute, publicly display, publicly perform, modify, create derivative works from, or otherwise exploit the Proprietary Materials in any manner.

6. PROHIBITED CONDUCT — REDISTRIBUTION AND SHARING

THIS SECTION CONTAINS CRITICAL RESTRICTIONS. VIOLATION WILL RESULT IN IMMEDIATE TERMINATION AND LEGAL ACTION.

6.1 Absolute Prohibition on Redistribution

You are strictly prohibited from, and shall not permit any third party to:

• (a) Copy, reproduce, duplicate, or replicate any Proprietary Materials, in whole or in part, in any medium or format, whether now known or hereafter developed;
• (b) Distribute, share, publish, transmit, broadcast, disseminate, circulate, or make available any Proprietary Materials to any third party, whether for commercial or non-commercial purposes, whether for free or for compensation;
• (c) Upload, post, email, or otherwise transfer any Proprietary Materials to any website, platform, file-sharing service, cloud storage, social media, messaging application, forum, or any other location accessible by any person other than you;
• (d) Stream, screencast, broadcast, or display any Proprietary Materials via any live or recorded medium, including but not limited to YouTube, Twitch, TikTok, Instagram, Facebook, Discord, Zoom, or any similar platform;
• (e) Allow, enable, or facilitate access to your account or any Proprietary Materials by any person other than yourself, including but not limited to family members, friends, colleagues, employees, or business partners;
• (f) Share, disclose, or distribute your account login credentials to any third party for any purpose;
• (g) Transcribe, summarize, paraphrase, or create written or recorded versions of any Proprietary Materials for distribution to others;
• (h) Use any Proprietary Materials in any classroom, training, seminar, workshop, webinar, or group educational setting without express written authorization from the Company;
• (i) Incorporate any Proprietary Materials into any product, service, course, book, article, presentation, or other work intended for distribution to others;
• (j) Sell, license, rent, lease, lend, or otherwise commercially exploit any Proprietary Materials;
• (k) Create derivative works based on any Proprietary Materials for any purpose;
• (l) Remove, alter, obscure, or circumvent any copyright notices, watermarks, digital rights management, or other proprietary designations from any Proprietary Materials.

6.2 Prohibition on Circumvention

You shall not:

• (a) Use any technology, device, software, or process to circumvent, bypass, disable, or interfere with any security features, access controls, or technological protection measures associated with the Services;
• (b) Use screen recording software, capture tools, download managers, browser extensions, or any other means to copy, save, or extract Proprietary Materials;
• (c) Use automated systems, bots, scrapers, or similar technologies to access, collect, or download Proprietary Materials;
• (d) Access the Services through any unauthorized third-party application or service.

6.3 Single-User License

Your subscription or purchase grants a license to one (1) natural person only. Each individual who wishes to access the Services must purchase their own separate license. There are no exceptions. Group, team, family, or shared accounts are not permitted unless explicitly offered as a separate product with distinct pricing.

6.4 Monitoring and Enforcement

We employ technological measures to detect unauthorized access, sharing, and redistribution, including but not limited to IP address monitoring, device fingerprinting, concurrent session detection, and watermarking. We reserve the right to investigate suspected violations and to take any action we deem appropriate.

7. Consequences of Violation

7.1 Immediate Termination

Any violation of Section 6 will result in immediate termination of your account and license without notice, refund, or compensation of any kind. All rights granted to you under these Terms will immediately cease upon termination.

7.2 Liquidated Damages

You acknowledge that unauthorized redistribution causes substantial harm to the Company that is difficult to quantify. Accordingly, you agree that for each instance of unauthorized redistribution or sharing, you shall pay liquidated damages to the Company in an amount equal to one hundred thousand dollars ($100,000) per occurrence. You agree this amount is a reasonable estimate of the Company's damages and is not a penalty.

7.3 Injunctive Relief

You acknowledge that any unauthorized use, reproduction, or distribution of Proprietary Materials will cause irreparable harm to the Company for which monetary damages would be inadequate. Accordingly, the Company shall be entitled to seek immediate injunctive relief, specific performance, and any other equitable remedies available, without the necessity of proving actual damages or posting any bond or security.

7.4 Legal Action

The Company reserves the right to pursue all available legal remedies against any person or entity that violates these Terms, including but not limited to claims for copyright infringement, breach of contract, misappropriation, unjust enrichment, and unfair competition. You shall be liable for all of the Company's costs and expenses in enforcing these Terms, including reasonable attorneys' fees.

7.5 Reporting to Authorities

We reserve the right to report suspected violations to law enforcement authorities and to cooperate fully with any investigation or legal proceeding.

8. Digital Millennium Copyright Act (DMCA)

We respect intellectual property rights and expect our users to do the same. If you believe any content infringes your copyright, please submit a DMCA notice to our designated agent at support@optionwatchlist.com. We will respond to valid notices and may terminate repeat infringers.

9. Disclaimers

9.1 No Financial Advice

The Educational Content is for informational purposes only and does not constitute financial, investment, tax, legal, or other professional advice. Past performance is not indicative of future results. You are solely responsible for your financial decisions.

9.2 No Guarantees

We make no guarantees regarding the accuracy, completeness, or timeliness of the Educational Content. We do not guarantee any particular financial outcome from using our Services.

9.3 "As Is" Basis

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, your violation of these Terms, or your violation of any rights of any third party.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any dispute arising out of or relating to these Terms shall be resolved exclusively in the state or federal courts located in Miami-Dade Florida, and you consent to the personal jurisdiction of such courts.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference, constitute the entire agreement between you and the Company regarding the Services and supersede all prior agreements and understandings.

15. Modifications

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or prominent notice on our website. Your continued use of the Services after such changes constitutes acceptance of the modified Terms.

16. SMS/MMS Messaging Terms

Program Description

Option Watchlist ("OWL", "we", "us") offers optional SMS/MMS messaging programs for users who expressly consent to receive automated messages. By opting in, you agree to these SMS Terms of Service.

Consent to Receive Messages

By providing your mobile phone number and agreeing to participate in our SMS program, you expressly consent to receive recurring automated marketing, informational, and transactional SMS/MMS messages from Option Watchlist to the mobile number you provide.

You understand and agree that:

• Message frequency varies by program (up to 10 messages per day during market hours, Monday-Friday)
• Message and data rates may apply (charged by your carrier)
• Your consent is not required as a condition of purchasing any goods or services
• Opting in does not guarantee enrollment in all messaging programs (enrollment is managed separately)

Message Types and Frequency

You may receive the following types of messages:

• Market Pulse Updates: Real-time market snapshots with charts and commentary (up to 4/day during market hours)
• Portfolio Alerts: Position updates, option expirations, assignment notifications
• Trading Signals: Price alerts, technical indicator triggers, volatility changes
• Account Notifications: Login alerts, security warnings, account status updates
• Service Messages: Opt-in confirmations, opt-out confirmations, system updates

Total message frequency: Up to 10 messages per day during market hours (9:00 AM - 6:00 PM ET, Monday-Friday). Frequency may vary based on market conditions and your selected programs.

Opt-Out / Unsubscribe

You may revoke your consent and opt out at any time by:

• Replying STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any message
• Visiting our SMS unsubscribe page at optionwatchlist.com/sms-unsubscribe.html
• Submitting an opt-out request at optionwatchlist.com/sms-opt-in.html
• Disabling SMS in your account settings (if registered)
• Contacting support at support@optionwatchlist.com

After opting out, you will receive one final confirmation message. You will not receive further messages unless you re-subscribe by opting in again.

Help and Support

For help, reply HELP to any message or contact:

• Email: support@optionwatchlist.com

When you text HELP, you will receive: "OWL Market Updates. Msg&data rates may apply. Up to 10 msgs/day. Reply STOP to opt out. Help: support@optionwatchlist.com"

Supported Carriers

Compatible carriers include (but are not limited to): AT&T, Verizon Wireless, T-Mobile, Sprint, Boost, MetroPCS, U.S. Cellular, Cricket, Virgin Mobile, and others. Contact your carrier for questions about message and data rates or device compatibility.

Delivery and Carrier Limitations

We do not guarantee message delivery. Message delivery depends on your wireless carrier, network availability, device compatibility, and other factors beyond our control. Carriers are not liable for delayed or undelivered messages.

You are responsible for:

• Maintaining a compatible device and active mobile service
• All message and data charges imposed by your carrier
• Notifying us if you change your phone number (to avoid messages sent to wrong recipient)

Age Restriction

You must be 18 years or older to participate in our SMS programs. By opting in, you represent that you are at least 18 years old and are the account holder or have the account holder's permission to enroll the mobile number.

Privacy and Data Use

Your phone number and SMS interaction data are subject to our Privacy Policy. We do not sell your phone number to third parties. We only share your number with our SMS service provider (Twilio) for message delivery purposes.

Changes to SMS Terms

We reserve the right to modify these SMS Terms, message frequency, or program content at any time. We will notify you of material changes via SMS or email. Your continued participation after changes constitutes acceptance. If you do not agree, you may opt out at any time.

Program Termination

We reserve the right to terminate or suspend the SMS program, or your participation, at any time without notice for any reason, including but not limited to:

• Violation of these Terms of Service
• Abusive or fraudulent activity
• Carrier restrictions or regulatory changes
• Technical or operational reasons

Disclaimer of Warranties

SMS MESSAGES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DO NOT WARRANT THAT MESSAGES WILL BE DELIVERED, TIMELY, ACCURATE, OR ERROR-FREE. WE ARE NOT LIABLE FOR ANY DAMAGES ARISING FROM DELAYED, FAILED, OR MISDIRECTED MESSAGES.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR PARTICIPATION IN SMS PROGRAMS, INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES, OR DATA CHARGES.

A2P 10DLC Compliance

Our SMS programs operate on A2P (Application-to-Person) 10DLC infrastructure and comply with all applicable carrier requirements and FCC regulations. Messages are sent from registered campaign IDs and approved use cases.

Contact Information for SMS Support

For questions about SMS Terms of Service:

• Email: support@optionwatchlist.com
• Website: optionwatchlist.com
• SMS Support: Text HELP to any message

17. Contact Information

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE, INCLUDING THE STRICT PROHIBITIONS ON REDISTRIBUTION AND SHARING SET FORTH IN SECTION 6.