1. Risk Disclosure: Trading carries substantial risks and may not be suitable for every investor. You could lose all or more than your initial investment. Only trade with "risk capital," which refers to funds that, if lost, won’t affect your financial security or lifestyle. Individuals with sufficient risk capital should consider trading.

VOV is not a licensed financial advisor and does not provide financial advice. Users assume full risk and responsibility for their trading activities. Past performance is not indicative of future results, and individual results may vary due to market and timing conditions.

2. Subscription and Refund Policy

• All sales are FINAL, and NO REFUNDS will be provided for any VOV membership plans.

• Your subscription fee provides access to premium content designed for educational purposes only.

• It is your responsibility to manage and cancel your subscription at https://upgrade.chat/profile if needed.

• Subscription rates are subject to change, and payments are non-refundable.

3. Ownership and Use of Information

The site is owned and operated by MURAD HOLDINGS LLC DBA VOV Capital ("VOV"). All content is for informational purposes only and does not constitute financial advice.

• VOV is not registered as a securities broker-dealer or investment adviser with the U.S. Securities and Exchange Commission (SEC), FINRA, or any state securities regulatory authority.

• All proprietary content and digital assets provided on this site are the exclusive property of MURAD HOLDINGS LLC DBA VOV Capital ("VOV"). Unauthorized reproduction or redistribution of any materials is strictly prohibited.

4. Account Use

• You agree not to share access to your account or redistribute any data received through your use of the site or products.

• You are responsible for maintaining the confidentiality of your password and account.

5. Legal and Disclaimer

The content on this site does not offer legal, tax, investment, or insurance advice. You bear sole responsibility for determining whether any investment, strategy, or transaction is suitable for you, based on your personal objectives, financial circumstances, and risk tolerance.

Nothing provided by VOV should be perceived as financial advice. Any methods, techniques, or indicators presented are not guaranteed to be profitable and may result in losses. Trading carries substantial risks. Users should trade only with funds they can afford to lose, and nothing on this site constitutes financial advice.

6. No Refund Policy for Digital Goods

All services provided are intangible, irrevocable, and classified as digital goods. For this reason, all sales are final, and no refunds will be issued. Subscription fees will auto-renew on a monthly/annual basis, and you must cancel at least 24 hours before the renewal date to avoid being charged for the next period.

Manage your subscription and cancel at any time by visiting https://upgrade.chat/profile. No refunds will be issued for processed payments

7. Privacy Policy

VOV respects your privacy and will not sell or distribute your information without your explicit consent.

Your interactions with third-party services, such as Stripe for payment processing and Discord for community interactions, are governed by those services' privacy policies.

8. Indemnification

You agree to hold VOV, its Information Providers, and all of their officers, directors, partners, employees, and agents (collectively referred to as the "Protected Parties") harmless from any and all claims, liabilities, damages, losses, or expenses (including, without limitation, reasonable legal fees) that may arise due to your failure to comply with any part of this Agreement or from any breach of the representations and warranties you have made herein. Your decision to use the ideas, systems, and data provided by VOV is entirely at your own risk, and it is your sole duty to verify the accuracy, completeness, and usefulness of this information.

Standards for Affiliates

• Permitted Marketing Practices:
  Affiliates must not engage in unsolicited promotion of any VOV referral codes or related business ventures. This restriction includes, but is not limited to, sharing such information without authorization in public or private community channels, sending bulk emails, or using direct messaging in a manner that could be construed as spam.

• Full Disclosure of Risk:
  Affiliates are required to disclose the real risks associated with trading without minimizing or misrepresenting them. They must provide an honest account of their trading performance, including details such as income, success rates, and risk-reward profiles. Any act of misrepresentation or any attempt to understate the inherent risks of trading will result in the termination of the affiliate relationship.

• Transparent Public Communication:
  Should affiliates broadcast their trading activities—such as sharing live trade calls or public trading positions—they must do so with complete transparency. This includes clearly indicating if trades are part of a simulated or paper trading scenario, and openly acknowledging any losses incurred. Any misleading or inaccurate reporting of trading performance is grounds for immediate termination.

9. No Representations or Warranties
VOV, its agents, partners, affiliates, officers, directors, and legal advisors make no representations or warranties regarding the accuracy, timeliness, or completeness of the information provided through our website and services. All content is offered “as is” without any guarantees of performance, suitability, or fitness for a specific purpose. Use of our services is entirely at your own risk, and you acknowledge that any decisions based on this information are solely your responsibility.

10. No Warranty on Information Transmission
VOV does not guarantee that the transmission of information through our website or services will be error-free, uninterrupted, or secure. We are not responsible for any delays, interruptions, or errors, and neither VOV nor any third party will be liable for any consequences resulting from such issues.

11. Limitation of Liability
In no event shall VOV or any of its officers, directors, partners, employees, or agents be liable for any indirect, incidental, special, or consequential damages (including, but not limited to, lost profits, lost data, or other losses) arising out of your use or inability to use our website or services—even if VOV has been advised of the possibility of such damages. To the fullest extent permitted by law, VOV’s total liability for any claim arising from your use of our services shall not exceed the total amount you paid, if any, for accessing our services during the 12-month period immediately preceding the claim.

12. Taxes
You are solely responsible for all taxes, fees, or assessments imposed on you in connection with your use of VOV’s services. VOV is not liable for any tax obligations arising from your transactions or subscription fees.

13. Compliance with Laws
You represent and warrant that your use of VOV’s services will be in strict compliance with all applicable laws, rules, and regulations. You agree not to use our information or services for any unlawful purposes or in any manner that violates any statute, ordinance, or regulation.

14. Disclaimer
Nothing on this site should be regarded as personalized financial advice. All content is provided for informational, educational, and entertainment purposes only. Trading and investing carry substantial risks, including the possibility of losing some, all, or more than your initial investment. VOV does not guarantee the profitability of any trading strategies or techniques. You must perform your own research and verify any information before relying on it for any financial decisions.

15. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of [Insert State or Country], without regard to its conflict of law principles. Any disputes arising in relation to these Terms shall be resolved exclusively in the courts located in [Insert Specific Jurisdiction], and you consent to the personal jurisdiction of such courts.

16. Intellectual Property & Proprietary Rights

• All proprietary scripts, code, algorithms, and related materials (collectively, “Proprietary Content”) available through Vision of Value (VOV) are the exclusive property of MURAD HOLDINGS LLC DBA VOV Capital ("VOV"). This includes any scripts you now see that have been reworked or revised and are now entirely the intellectual property of VOV.

• By accessing or using the Proprietary Content, you are granted a limited, non-exclusive, non-transferable license solely for your personal, educational, and non-commercial use.

• You may not copy, modify, reproduce, distribute, reverse engineer, or publicly display any of the Proprietary Content in whole or in part without the express written consent of VOV.

• Any unauthorized use, reproduction, or distribution of the Proprietary Content will result in the immediate termination of your access and may subject you to legal action.

~All rights not expressly granted herein remain reserved by VOV.~

Discord Rules:

DISCLAIMER Trading carries substantial risk and may not be suitable for every investor. An investor could potentially lose all or more than their initial investment. Only use "risk capital" - funds that, if lost, won't affect your financial security or lifestyle. Only those with sufficient risk capital should consider trading. Note that inviting anyone from this room to another server results in an AUTOMATIC BAN. We at VOV. are not licensed financial advisors nor give financial advice. The user assumes full risk and responsibility for their trading activity. Past performance isn't indicative of future results, and individual results will vary due to market and timing conditions. All subscriptions are FINAL SALE and NO REFUNDS. Your monthly fee provides access to premium content designed to enhance financial knowledge for educational purposes only. It's your responsibility to cancel your subscription at https://upgrade.chat/profile if needed. No compensation is provided to VOV in exchange for investment advice. Neither VOV nor anyone affiliated are registered investment advisers. No information from this site or our product offerings should be seen as investment advice. VOV makes no assurances that information provided to subscribers hasn't been or won't be disseminated to non-paying subscribers. Subscribing implies your understanding and acceptance of the Subscription Agreements and Rules. (edited)

• RULES Our goal is to create a thriving community, and we can only achieve this through your cooperation. By joining the VOV Discord server, you agree to abide by the following rules. Failure to adhere to these rules or our terms of service will result in an immediate and permanent ban without refund. (edited)

• ACT WITH EMPATHY: Uphold values of compassion, empathy, and kindness towards yourself and others. Abusive language is strictly disallowed. All forms of harassment, hate speech, sexism, racism, pornography, and hateful behavior are unacceptable and will lead to an immediate and permanent ban. We retain the right to eliminate disruptive messages from the chat. -RESPECT THE LAW: Engaging in or promoting unlawful activities is strictly barred. This extends to activities like front-loading, orchestrating “pump and dumps,” evading taxes, or any conduct that infringes upon securities or antitrust laws. -REFRAIN FROM SPAMMING: Please refrain from spamming the chat or posting harmful or offensive materials, including but not limited to malware, content that contravenes Rule 1, and software that could potentially harm users. -RESPECT PRIVACY: Posting personal information is not permitted. -AVOID TROLLING: Any trolling behavior is strictly prohibited and will result in an immediate and permanent ban. (edited)

• REFRAIN FROM UNAUTHORIZED MARKETING: Unpermitted posting of social media links or product sales to members is disallowed. Distributing links to social media pages, referral links, alternate chatrooms, or any link requiring purchase without consent will lead to an immediate and permanent ban. -MAINTAIN INTEGRITY: Please avoid sharing false information, even jokingly. Any shared ideas should be accompanied by thorough analysis. -AVOID SERVER DISRUPTION: Kindly refrain from disturbing the operation of the discord server, either manually or through automated means. -RESPECT COPYRIGHT: Replication or misuse of the ideas or information shared on this server is strictly prohibited. Unauthorized duplication, copying, selling, reselling, or commercial exploitation of any part of the discord server, its content, or associated services is not allowed. Any attempts to compile a database of this server's content are strictly prohibited. -INTELLECTUAL PROPERTY & PROPRIETARY RIGHTS: All scripts, code, algorithms, or related materials provided by VOV are the exclusive property of MURAD HOLDINGS LLC DBA VOV Capital. You may not copy, modify, distribute, or publicly display any such materials without our express written permission. Access is granted solely for personal, non-commercial use. For complete details, please refer to our full Terms & Conditions at https://visionofvalue.com/terms -STRICT NO-REFUND POLICY: Our policy strictly disallows refunds. If you choose to cancel your subscription, it will prevent future charges but will not provide refunds for past subscriptions. Manage your subscription at: https://upgrade.chat/profile (edited)

•  We are committed to upholding high standards. If you encounter any violations of the rules or have any concerns, please bring it to our attention. WE RETAIN THE AUTHORITY TO EXCLUDE ANY INDIVIDUAL FROM THIS DISCORD SERVER AT ANY GIVEN TIME, FOR ANY REASON. PRIOR TO PROCEEDING, WE STRONGLY ENCOURAGE YOU TO THOROUGHLY REVIEW THE RULES AND TERMS OF SERVICE (https://visionofvalue.com/terms)

Additional Notices

• No Endorsement: VOV and its services are not sponsored or endorsed by any financial institutions or information providers.

• Risk Warning: Subscribing implies your understanding and acceptance of these terms. Trading involves significant risk, and you may lose some or all of your investment. Seek advice from a licensed professional before proceeding.

VOV reserves the right to periodically review the practices of all affiliated parties. All decisions regarding compliance with these ethics and standards rest solely with VOV and are final.

IF YOU DO NOT AGREE WITH THESE TERMS OF SERVICE, PLEASE REFRAIN FROM USING THIS SITE.