Terms of service

1Education only, not financial advice

Momentum is an educational and entertainment service. We are publishers and educators. Nothing in the Services is investment, financial, legal, or tax advice, or a recommendation to buy, sell, or hold any security. This includes chat messages, watchlists, live streams, recordings, scanner results and scanner alerts, the simulator, journal statistics, course material, and AI assistant answers.

Everything we publish is general and impersonal. It is not tailored to your finances, goals, or experience, and the stocks and strategies discussed may not be suitable for you. Kev, our hosts, moderators, and team members are not allowed to give you personal investment advice, and you agree not to ask for it or rely on it.

Momentum does not provide trading signals, trade alerts, or copy-trading. The scanner's alerts are automated notifications that a stock met a scan's criteria, such as price or volume movement. They are not recommendations to buy or sell. Trades shown or discussed on a live stream are the host's own decisions, shown for education.

• Momentum is not a registered investment adviser or a broker-dealer, and it does not execute trades or manage money.
• Trading, and day trading especially, involves substantial risk, and you can lose more than you invest. Only trade with money you can afford to lose, never money set aside for rent, bills, debt, school, or retirement.
• Past performance does not guarantee future results. Any trades, profits, or examples shown by Momentum, its hosts, or its members may be hypothetical or not typical. Members' results vary, and most traders lose money.
• Positions and results are not tracked or verified. Trades, entries, exits, positions, and profits or losses shared by hosts, moderators, or members, in chat, on streams, or anywhere else in the Services, are self-reported. Momentum does not track, audit, or verify them, and they may be incomplete or delayed.
• No one at Momentum is an adviser. Kev, our hosts, moderators, team members, and members are not licensed financial advisers and do not give investment advice. Anything anyone says in the Services, including Kev, is their own opinion, shared for education.
• Our team trades its own accounts. Kev and our team may hold positions in stocks discussed in the Services. Their trades are their own decisions, on their own timing, and are not a signal for you to buy or sell.
• You alone are responsible for your trading decisions. Do your own research and consider a licensed professional.

Small-cap and low-priced stocks

Much of what we teach involves small-cap and low-priced stocks. They carry extra risks:

• Less information: reliable public information about the company may be limited, out of date, or unaudited.
• Hard to trade: there may be few buyers or sellers, wide spreads, and trading halts, so you may not be able to get out at the price you want, or at all.
• Big, fast moves: prices can swing sharply within minutes, in both directions.
• Crowded trades: when many people watch or discuss the same stock, including on a stream or in chat, their buying and selling can move its price and volume for a short time, then reverse. By the time you act, the price may be very different from the one discussed. Don't try to copy a trade you see; make your own decisions.

Results and testimonials

• Kev's results are not typical, and neither are the results of members featured in testimonials, posts, or badges. Getting good at trading takes a lot of time and practice, and many people never become profitable.
• We do not track our members' typical results. Trades that members enter or import into the journal are their own data, and we do not verify them.
• Research on day traders finds that most lose money. A study of day traders in Taiwan from 1992 to 2006 (Barber, Lee, Liu, and Odean, 2014) found that on an average day, fewer than 3% of day traders were predictably profitable. A study of day traders in Brazil (Chague, De-Losso, and Giovannetti, 2019) found that 97% of those who kept day trading for more than 300 days lost money.
• Testimonials and member posts reflect individual experiences, not typical or expected results. Your results will differ.

2Eligibility and your account

• You must be at least 18 years old and able to form a binding contract.
• You must give accurate information and keep your sign-in methods (email, Whop account, devices) secure. You are responsible for everything done through your account.
• One person per account. You may not share, sell, lend, or transfer your account or membership, or let anyone else use it.
• One device at a time. The Services can be open on only one device at a time, and on a limited number of registered devices. Opening the Services on another device pauses the first one. We may limit, sign out, or suspend accounts that appear to be shared.
• How we check for sharing. To enforce the one-person and one-device rules and keep accounts secure, we record sign-in times, IP addresses, and devices, and live streams and recordings may show a watermark that identifies the account watching. See our Privacy Policy.
• No returning after a ban. If we suspend or ban your account, you may not create, buy, or use another account, including someone else's, without our written permission.
• We may refuse, suspend, or close accounts at our discretion, including for violating these Terms.

3Memberships, trials, and billing

• Plans. The Services are offered through paid memberships. The price, billing period, and what each plan includes are shown at checkout. Some features (for example, the scanner and simulator, or the Bootcamp) may require a specific plan.
• Payment providers. Payments are processed by third-party providers such as Stripe, PayPal, and Whop. Their terms also apply to your payment. We do not store your full card number.
• Free trials. A free trial is available once per person, per email address, per payment method, and per PayPal account, unless we offer you another trial (for example, through a personal offer link). If you have had a trial or a membership before, you may be asked to pay when you join. Unless you cancel before the trial ends, your membership starts and you are charged automatically. We email you a reminder before your first charge.
• Automatic renewal. Memberships renew automatically at the end of each billing period, at your membership's price, until you cancel. By subscribing, you authorize us and our payment provider to charge your payment method on each renewal. For annual plans, we email you a reminder before each renewal.
• Cancellation. You can cancel at any time before your next renewal: in the Momentum app under your membership settings, with the provider you paid through (for example, on Whop or PayPal), or by emailing business@trademomentum.org. Cancellation stops future charges. You keep access until the end of the period you already paid for.
• Refunds. Except where the law requires otherwise, or where a promise in these Terms says so (see Momentum Academy), all payments are final and non-refundable, including for partial periods, unused time, or features you did not use. If we choose to give a refund, a full refund ends the membership or purchase it was for, and access ends when the refund is issued.
• Price changes. We may change the price of our plans for new members. A price change never affects your existing membership: you keep the price you joined at for as long as your membership stays active. If you cancel, or your membership ends, and you rejoin later, the price at that time applies.
• Discounts and promotions. Sale prices, discounts, and promotional terms are shown before you pay. A sale price applies for the period stated at checkout. A discount for a set number of bills ends after those bills, and your plan then renews at its regular price. Promotions end at the deadline shown.
• Changing plans. If you switch plans (for example, from monthly to annual), the amount due today, any credit for unused time, and your new renewal date are shown before you confirm.
• Lifetime access. When a program or plan is sold with lifetime access (for example, Momentum Academy, the Bootcamp, or a lifetime membership), lifetime means for as long as Momentum offers that program or plan. Lifetime access stays subject to these Terms, including the rules on sharing, bans, refunds, and chargebacks, and the content may be updated over time.
• Pausing. We may offer a pause instead of cancelling. While a membership is paused, you do not have access and are not charged. Billing restarts on the date shown when you pause.
• Failed payments. If a payment fails, your access may be paused until it is resolved.
• Chargebacks and payment disputes. If you dispute a charge with your bank or card company instead of contacting us, your access to all Momentum products and services will end immediately, without refund, and we may decline future memberships. Please contact business@trademomentum.org first. We are glad to help.

4Community rules

To keep Momentum useful and safe, you agree not to:

• Harass, threaten, bully, or discriminate against anyone, or post hateful, obscene, sexually explicit, or violent content.
• Post false or defamatory statements, or impersonate Momentum, its staff, or anyone else.
• Promote or advertise other products, services, groups, chatrooms, or referral links without our permission.
• Pump, promote, or manipulate any security; spread false or misleading information about a company; or coordinate trading to move a price.
• Tell other members to buy or sell, or post "calls" presented as financial advice.
• Share, copy, record, screenshot for redistribution, resell, or publish watchlists, streams, recordings, courses, scanner data and scanner alerts, or other member-only content outside the Services.
• Copy, mirror, or relay the host's trades, entries, exits, or live commentary to any other service, group, or person, whether in real time or later, or use the Services to build, run, or promote a competing service.
• Share personal information about other members.
• Post spam, malware, or illegal content, or content that infringes someone else's rights.
• Scrape, crawl, or bulk-download the Services or their data, use bots or automation, reverse engineer the Services, or try to get around security, the one-device rule, or access controls.
• Interfere with the Services or other members' use of them.

We may remove content, mute, suspend, or ban members, with or without notice, at our discretion. We may also report illegal activity to the authorities.

5Your content

You keep ownership of the messages, images, and other content you post ("Your Content"). You give Momentum a worldwide, non-exclusive, royalty-free license to host, store, display, reproduce, and distribute Your Content to operate, promote, and improve the Services. This includes showing it to other members and in live streams and recordings. You are responsible for Your Content and confirm you have the rights to post it. We may remove Your Content at any time.

6Live streams and recordings

Live sessions may be recorded and made available to members. Your display name, messages, and reactions may appear in a stream or its recording. Recordings are for members' personal education only and may not be downloaded, copied, or shared.

7Market data, scanner, and simulator

• The scanner, charts, quotes, time and sales, news, and other market data come from third-party providers. They may be delayed, incomplete, or inaccurate, and they may be unavailable at times. Do not rely on them as the only basis for any trade.
• Market data is licensed for your personal, non-commercial use only. You may not redistribute it.
• The simulator uses virtual money. Simulated results do not reflect real trading, fees, slippage, or liquidity, and they do not predict real results.

8Trading journal

The journal is a tool for recording and reviewing your own trades. You are responsible for the accuracy of what you enter or import. If you import trades, your username and statistics may appear on the member leaderboard and in challenges unless you opt out in the journal's settings. Badges based on imported trades (such as "In the Green") are calculated from the data you import, are not verified by us, and do not show typical results.

9Momentum AI assistant

The AI assistant answers questions about trading education and about Momentum. Its answers are generated automatically, may be wrong or incomplete, and are not financial advice. It will not give buy or sell recommendations, price targets, or predictions. Check anything important yourself. Our help chat may also reply with an automated assistant, and a member of our team can take over at any time.

10Bootcamp

The 60-Day Trading Bootcamp is an educational program. Admission may require an application, and acceptance is at our discretion. Any payment plan, schedule, included room access, and bonus terms are described when you enroll. Bootcamp content is subject to these Terms, including the refund and dispute terms in Section 3.

11Momentum Academy

Momentum Academy is a self-paced course sold separately, as a one-time purchase. It does not include a Momentum membership, and the app's other features, such as the chatroom, live streams, and scanner, need one.

Founding members who buy during the pre-sale pay the founding price shown at checkout. The Academy opens on January 30, 2027, and founding members may get parts of it earlier, as they are ready. All sales are final, with one promise: if Momentum Academy isn't open by January 30, 2027, you get a full refund.

New Bootcamp enrollments may include Momentum Academy as a bonus, as described when you enroll.

12Referral program

If we offer a referral program, rewards are paid under the program terms shown when you join it. We may withhold or reverse rewards for self-referrals, fake or duplicate accounts, fraud, or referrals that are refunded or charged back.

13Messages from us

By creating an account, you agree to receive service messages by email and in the app, such as sign-in codes, billing notices, and membership changes. Marketing emails, push notifications, and text messages are optional, and you can turn them off at any time.

14Impersonators and scams

Scammers sometimes pretend to be Kev or the Momentum team on social media, Discord, Telegram, WhatsApp, text messages, and email.

Kev will never send you a direct message first, on any platform. If an account that looks like Kev contacts you first, it is not him.

No one from Momentum will ever ask you to send money, cryptocurrency, or gift cards; to share your password, sign-in code, or brokerage login; to let someone trade or manage your account for you; or to pay for anything outside our official checkout pages. Momentum does not offer account management, signals for payment, or investment opportunities.

Our team only contacts you inside the Momentum app (for example, in your support chat), by email from a trademomentum.org address, or by text or phone call if you gave us your number (for example, for text updates or a Bootcamp application). Even then, we will never ask for any of the things above. If you are not sure a message is really from us, do not reply or click any links, and contact us at business@trademomentum.org. Momentum is not responsible for losses caused by people who impersonate Kev or Momentum.

15Intellectual property

The Services and all of their content, including courses, videos, recordings, watchlists, scanners and their alerts, software, text, graphics, logos, and the Momentum name, are owned by Momentum or its licensors and are protected by copyright, trademark, and other laws. We give you a limited, personal, non-transferable, revocable license to use the Services for your own non-commercial education while your membership or purchase gives you access. You may not copy, reproduce, distribute, sell, or create derivative works from them without our written permission.

16Third-party services

The Services use or link to third-party services, such as payment providers, Whop, brokers, market data providers, and video platforms. We are not responsible for third-party services, and your use of them is governed by their own terms.

17Disclaimer of warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES, DATA, SCANNER ALERTS, OR CONTENT WILL BE ACCURATE, COMPLETE, TIMELY, UNINTERRUPTED, OR ERROR-FREE, OR THAT USING THEM WILL RESULT IN ANY PROFIT.

18Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MOMENTUM AND ITS OWNERS, EMPLOYEES, HOSTS, MODERATORS, AND PARTNERS WILL NOT BE LIABLE FOR ANY TRADING OR INVESTMENT LOSSES, OR FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOST PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO THE SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE THREE (3) MONTHS BEFORE THE CLAIM AROSE. Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

Indemnity. You agree to defend, indemnify, and hold harmless Momentum and its owners, employees, hosts, and moderators from any claims, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Services, Your Content, your trading, or your violation of these Terms or the law.

19Dispute resolution and arbitration

• Informal resolution first. Before filing any claim, email business@trademomentum.org with a description of the dispute, and give us 30 days to try to resolve it.
• Binding arbitration. Any dispute arising from or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, instead of in court. Either party may instead bring an individual claim in small claims court.
• Class action and jury waiver. Claims may be brought only individually, not as a plaintiff or class member in any class, collective, or representative action. You and Momentum each waive the right to a jury trial.
• Time limit. Any claim must be filed within one (1) year after it arises, or it is permanently barred.
• Governing law. These Terms are governed by the laws of the State of South Carolina, without regard to its conflict-of-law rules, and by the Federal Arbitration Act.

20Termination

You may stop using the Services and cancel at any time. We may suspend or end your access at any time, including for violating these Terms, non-payment, chargebacks, abusive behavior, or conduct that we believe harms Momentum or its members. Termination for these reasons is without refund. Sections 1, 3 (refunds and disputes), 5, 11, and 15 through 21 survive termination.

21Changes and general terms

• We may update these Terms. We will post the new version with a new "Last updated" date and, for material changes, notify you in the Services or by email. Continuing to use the Services after changes take effect means you accept them.
• These Terms and our Privacy Policy are the entire agreement between you and Momentum about the Services. If any part is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms. We may assign them in connection with a sale or transfer of our business.