Risk Disclaimer & Refund Policy

1. General Risk Disclosure

Trading in financial markets involves substantial risk of loss and is not suitable for every investor. You may lose all or a substantial portion of your invested capital. Past performance is not indicative of future results. Any historical returns, expected returns, or probability projections are hypothetical in nature and may not reflect actual future performance.

2. Educational Content Only

All content, courses, training, mentorship, signals, analysis, and materials provided by Learn with Rihan ("we," "us," "our") are strictly for educational and informational purposes only. Nothing we provide constitutes:

• Financial advice, investment advice, or trading advice.
• A solicitation or offer to buy or sell any financial instrument.
• A recommendation to enter, exit, or modify any position.
• Personalized financial planning or portfolio management.

We are not licensed financial advisors, registered investment advisors, broker-dealers, or fiduciaries. You should consult with qualified, licensed professionals (financial advisors, tax professionals, attorneys) before making any financial decisions.

3. Specific Trading Risks

Leverage and Margin

Trading with leverage can amplify both gains and losses. A small market movement can result in the loss of your entire deposited margin. You may be required to deposit additional funds on short notice to maintain positions.

Market Volatility

Financial markets can be highly volatile. Prices can move rapidly and unpredictably due to economic events, geopolitical developments, liquidity constraints, or technical factors. Stop-loss orders may not execute at the intended price during fast markets.

Liquidity Risk

In certain market conditions, it may be difficult or impossible to liquidate a position at a reasonable price. This can result in larger-than-expected losses.

Counterparty and Platform Risk

Trading involves reliance on brokers, exchanges, and technology platforms. Technical failures, platform outages, broker insolvency, or regulatory actions can prevent order execution or access to funds.

Psychological Risk

Trading can be emotionally demanding. Fear, greed, overconfidence, and other psychological factors can lead to poor decision-making and significant losses.

4. Cryptocurrency-Specific Risks

Our education may cover cryptocurrency markets, which carry additional risks:

• Extreme Volatility: Crypto assets can experience price swings of 50% or more in short periods.
• Regulatory Uncertainty: Regulations vary by jurisdiction and can change rapidly, affecting legality, taxation, and market access.
• Security Risks: Hacks, exchange failures, wallet vulnerabilities, and loss of private keys can result in total loss of assets.
• Market Manipulation: Lower liquidity markets are susceptible to manipulation, wash trading, and pump-and-dump schemes.
• No Insurance: Crypto deposits are generally not insured by government agencies (e.g., FDIC, SIPC).

5. No Guarantee of Results

We make no guarantees, warranties, or representations regarding:

• Your profitability or return on investment.
• The accuracy, completeness, or timeliness of any analysis, signal, or educational content.
• That you will achieve results similar to any examples, case studies, or testimonials.
• That our strategies will work in all market conditions or for all individuals.

Any examples, case studies, or testimonials presented are for illustrative purposes only and do not represent typical results. Individual results vary significantly based on capital, risk tolerance, discipline, market conditions, and other factors.

6. Third-Party Links and Services

Our Site and Services may contain links to third-party websites, brokers, exchanges, tools, or services. We do not endorse, control, or assume responsibility for any third-party content, products, or services. Your use of third-party services is at your own risk and subject to their terms and conditions.

7. Refund Policy

Digital Products and Educational Programs

Due to the nature of digital educational content (courses, videos, downloadable materials, mentorship access), all sales are final and non-refundable once access has been granted. This policy exists because digital content cannot be "returned" once accessed.

Exceptions

Refunds may be considered only in the following exceptional circumstances, at our sole discretion:

• Duplicate charges for the same purchase.
• Technical failure preventing access to purchased content (verified by our team).
• Cancellation request received before access to any gated content is granted.

Refund Process

To request a refund under the exceptions above, email supportrihan@gmail.com within 7 days of purchase with your order details and reason. Approved refunds will be processed to the original payment method within 14 business days.

Chargebacks

Filing a chargeback or dispute with your payment provider without first contacting us violates these Terms. We will contest unauthorized chargebacks and may terminate your access to all Services.

8. Subscription and Recurring Payments

If you enroll in a subscription-based program, you authorize recurring charges at the stated interval until cancelled. You may cancel at any time by emailing supportrihan@gmail.com. Cancellation stops future charges but does not refund the current billing period. Access continues until the end of the paid period.

9. Tax Responsibility

You are solely responsible for determining and complying with all tax obligations arising from your trading activities and any profits or losses. We do not provide tax advice and recommend consulting a qualified tax professional.

10. Acknowledgment and Assumption of Risk

By using our Site, enrolling in our programs, or purchasing our Services, you acknowledge and agree that:

• You have read and understood this Risk Disclaimer.
• You understand that trading involves substantial risk of financial loss.
• You are solely responsible for your trading decisions and their outcomes.
• You will not hold Learn with Rihan liable for any losses incurred.
• You have the financial capacity to bear potential losses.
• You will seek independent professional advice as needed.

11. Contact Us

If you have questions about this Risk Disclaimer or Refund Policy, please contact us: