Refund Policy

Consumers resident in the European Union have a 14-day right of withdrawal for distance-sold digital products (art. 52 et seq. Italian Consumer Code; Directive 2011/83/EU as amended). By purchasing digital content (e.g. The Trading Bible, Pro Kit, Playbook, Masterclass) and requesting immediate access, you expressly consent to the start of performance and acknowledge that the right of withdrawal lapses under art. 16(m) Directive 2011/83/EU and art. 59(o) Italian Consumer Code once delivery begins. Withdrawal is therefore only available before you first access the content.

Outside the EU withdrawal rules above, we offer a goodwill 24-hour full-refund window on all one-off digital products and on the first cycle of a new subscription. The window is measured from the timestamp of payment confirmation recorded by our payment processor (Stripe). To be eligible, your request must:

• be submitted via the form at the bottom of this page within 24 hours of payment confirmation;
• cite at least one of the valid reasons listed below; and
• include supporting evidence where applicable (screenshots, bank statement, error logs, correspondence with our support).

Valid reasons (eligible for a full refund within 24h)

• Duplicate charge — accidental double purchase of the same product.
• Technical failure preventing access to the product, where our support team could not resolve the issue within 24 hours of being notified.
• Unauthorized charge — your card was used without your consent (you should also report this to your bank).
• Material misrepresentation — the product delivered is substantially different from what the sales page described at the time of purchase.
• Wrong product / wrong tier purchased by mistake, provided the content has not yet been accessed, downloaded, viewed or otherwise consumed.
• Billing error on our side — wrong amount, wrong currency conversion controlled by us, or an unintended double subscription.
• Accessibility issue we cannot reasonably remediate (the product is not usable for you due to a disability and we have no workaround).
• Mandatory legal/regulatory right in your jurisdiction that overrides the digital-content waiver (e.g. a non-waivable consumer-protection right).

Invalid reasons (NOT eligible, even inside the 24h window)

The following are explicitly not supported reasons for a refund. Submissions citing only these grounds will be declined:

• "The product does not align with my current expectations."
• "It's not the right fit for me / not what I was looking for."
• "I changed my mind."
• "I already knew most of the content."
• "I found a cheaper alternative elsewhere."
• "I don't have time to use it right now."
• "I expected more chapters / more videos / more features."
• "The style or tone is not for me."
• "I thought it included [feature X] that was never advertised on the sales page."
• "It didn't make me profitable" or any outcome-based dissatisfaction (we sell educational content, not financial results).
• Any other form of buyer's remorse.
• Requests made after the content has been downloaded, viewed, or substantially consumed (the digital-content waiver applies).
• Requests submitted after the 24-hour window has elapsed (after 24h, only the 30% partial-refund tier in §3 may apply; after 14 days, no refund applies).

We reserve the right to decline a request that, while technically citing a valid reason, is not supported by the evidence provided, or where there are reasonable indicators of abuse (e.g. repeat refund-then-rebuy patterns).

Precedence rule. Where §2, §3, §4 and this §2·A overlay could produce different outcomes, the most stringent applicable rule governs. An explicit product-specific guarantee published on the sales page at the time of your purchase (see §7) prevails over both the general policy and this overlay when it is more favourable to the customer.

If your request is submitted after the 24-hour full-refund window but within 14 days of payment confirmation, you may be eligible — at our reasonable discretion — for a partial refund equal to 30% of the original price paid (net of taxes and payment-processor fees, which are non-refundable). The remaining 70% is retained as compensation for irreversible delivery costs, hosting, third-party processing fees, and the value of digital content already made available to you.

To be eligible, your request must:

• be submitted via the form at the bottom of this page within 14 days of payment confirmation;
• cite at least one of the valid reasons listed in §2 (service disruption, undelivered product, duplicate charge, unauthorized charge, material misrepresentation, billing error, accessibility issue, or mandatory legal/regulatory right); and
• include supporting evidence (screenshots, bank statement, error logs, support correspondence, etc.).

The invalid reasons listed in §2 apply identically here: outcome-based dissatisfaction, "not the right fit", "changed my mind", "already knew the content", "found a cheaper alternative", "no time to use it", style/tone preferences and any other form of buyer's remorse are not eligible — even within this 14-day window.

The partial-refund tier is a goodwill concession, not a contractual right, and is granted at our reasonable discretion. It does not apply to subscriptions (which are governed by §4 — only the first cycle is eligible for the 24h full-refund window, never the partial tier on renewals) and does not apply to requests made after meaningful consumption of the content (downloading the full ebook, completing more than 25% of a course, attending a live masterclass session, etc.).

Requests submitted more than 14 calendar days after payment confirmation are not eligible for any refund, whether full or partial. This is justified by the digital nature of the product (instant delivery, irreversible access, EU digital-content waiver under art. 16(m) Directive 2011/83/EU and art. 59(o) Italian Consumer Code), and by the fact that by day 15 the content has either been consumed or has been available long enough that the purchaser had a fair opportunity to evaluate it. Non-waivable consumer-protection rights in your jurisdiction are unaffected.

Monthly and annual subscriptions auto-renew until cancelled. You can cancel any time from the Billing area; cancellation takes effect at the end of the already-paid cycle, and you keep access until that date. Already-billed cycles are not refunded on a pro-rata basis.

The 24-hour full-refund window in §2 applies to the very first cycle of a new subscription only, and only if no gated feature has been used. A subscription cycle is considered consumed when any of the gated features have been used (chapter unlocked, chart analysis run, lesson started, masterclass session attended). Renewals and the 30% partial-refund tier in §3 do not apply to subscriptions.

The Trading Bible, Pro Kit, Playbook, Alpha Vault and Masterclass are one-off digital products delivered instantly upon purchase. Outside the 24-hour full-refund window described in §2, the 30% partial-refund window in §3, and any product-specific guarantee explicitly stated on the sales page, these purchases are considered fulfilled and are non-refundable once you have viewed, downloaded or otherwise accessed any portion of the product.

From time to time we offer a specific guarantee on a product (for example a "30-day satisfaction guarantee"). When offered, the guarantee terms shown on the sales page at the time of your purchase apply, and they prevail over the general rules in sections 1-6 above. Save your purchase confirmation as evidence of the guarantee terms in force at that moment.

Filing a chargeback without first contacting us is a breach of these Terms and may result in immediate suspension of your account and revocation of access to all purchased products. Please contact us first — we resolve the vast majority of disputes within 7 business days.

1. Identify the applicable tier from your purchase timestamp: 0–24h = full refund (§2), 24h–14d = 30% partial refund (§3), >14d = not eligible (§4).
2. Submit the form below within the applicable window, including: order number, email used at checkout, product name, the specific valid reason from §2 that applies, and any supporting evidence (screenshots, bank statement, error messages, prior support correspondence).
3. We acknowledge within 2 business days and respond with a decision within 7 business days.
4. Approved refunds are processed via the original payment method within 5-10 business days, depending on your bank. Payment-processor fees are non-refundable and are deducted from any partial refund.

See also: Terms of Service · Imprint

This section is a plain-English reference of the products currently on sale, so no customer can reasonably claim they did not know what the purchase included, what type of product it was, or which refund overlay from §2·A applies. Prices are indicative; the amount actually paid is the one shown on the Stripe receipt for your order.

• The Trading Bible — one-off digital ebook (~$14.99–$19.99). Permanent access at the price paid, no renewal, no subscription attached. → Refund tier: §2 + softer 30-day discretionary evaluation window (§2·A).
• The Trading Bible — Legends Edition — one-off digital ebook (extended edition of the Bible). → Refund tier: §2 + softer 30-day discretionary evaluation window (§2·A).
• WhaleGPT Pro — optional monthly subscription (~$29.99/month, or annual equivalent when offered). AI trading assistant, chart analysis, journal AI, playbook browsing, portfolio review, alerts. Cancellable at any time from Billing; access continues until end of paid cycle. → Refund tier: subscription overlay (§2·A) + §5.
• Pro Execution System (a.k.a. Pro Kit) — one-off digital toolkit (~$47). Checklists, spreadsheets, templates, execution frameworks. → Refund tier: aggressive overlay (§2·A), §2 only.
• The Billion Dollar Playbook — one-off digital ebook, ten chapters of institutional case studies and decision frameworks. → Refund tier: aggressive overlay (§2·A), §2 only.
• Pro Reader Bundle — one-off combo (Billion Dollar Playbook + Pro Execution Kit) at a bundled reader price. → Refund tier: aggressive overlay (§2·A), §2 only.
• Wall Street Masterclass — one-off video course with PDF companion. → Refund tier: aggressive overlay (§2·A), §2 only; no refund once any lesson has been opened.
• Alpha Vault — one-off lifetime access, includes the Wall Street Masterclass and recurring premium content drops. → Refund tier: aggressive overlay (§2·A), §2 only.
• Become a Trader in 30 Days — one-off structured program (~$79, tier variants: standard / supreme / neoprime / complete). Educational roadmap, not a profit promise. → Refund tier: aggressive overlay (§2·A), §2 only.
• Templates Pack, Macro Playbook, Technical Edge, Options Mastery, MIB Pro Pack, Desk Mega Pack and any similarly labelled premium digital add-on — one-off digital deliverables. → Refund tier: aggressive overlay (§2·A), §2 only.

All products above are educational digital content. They do not constitute financial advice, do not guarantee any outcome, profit, or performance, and do not create an advisor–client relationship. Nothing sold on this site is a managed account, signal service, or trade-execution service.