Terms & Conditions
Last Updated: September 25, 2026
UFL stands for Unlocking Financial Literacy.
UFL is an education-first financial literacy and trading education company built to help everyday people understand money, markets, and trading in a simple, structured, and realistic way.
We are not here to promote gambling.
We are not here to promise overnight riches.
We are not here to make trading look easier than it is.
UFL exists to help people build actual skills.
These Terms & Conditions explain the rules for using the UFL website, educational materials, community, courses, webinars, products, and other services.
By accessing or using UFL, you agree to these Terms & Conditions.
If you do not agree with these terms, please do not use our website or services.
1. Educational Purpose
UFL provides financial literacy and trading education.
Our content may cover topics including:
Financial literacy
Stock market education
Options education
Trading terminology
Trading strategies
Risk management
Market analysis
Trading psychology
Educational resources
Beginner trading concepts
UFL's purpose is education.
Our goal is to help beginners become more:
Educated → Structured → Risk-aware → Disciplined → Confident
We do not promise that you will make money by using our education, products, strategies, tools, or community.
2. No Financial Advice
UFL provides educational information only.
Nothing on this website or through our services should be considered personalized financial, investment, tax, accounting, or legal advice.
UFL does not know your individual financial situation, goals, risk tolerance, or circumstances.
You are responsible for conducting your own research and making your own financial decisions.
If you need personalized financial, legal, tax, or investment advice, you should speak with an appropriately qualified professional.
3. Trading and Investment Risk
Trading and investing involve risk.
You can lose some or all of the money you put into a trade or investment.
Options trading can involve significant risk and may not be appropriate for every person.
Past performance, examples, hypothetical results, educational examples, or historical information do not guarantee future results.
Any examples of potential profits, losses, returns, or trading outcomes are for educational purposes only.
Do not trade money you cannot afford to lose.
4. No Guarantee of Results
UFL does not guarantee:
Profits
Income
Trading success
Consistent returns
Financial independence
A specific account balance
A specific return on investment
Employment or business opportunities
Your results depend on many factors, including your knowledge, experience, risk management, decisions, market conditions, and execution.
Testimonials, student experiences, examples, or results presented by UFL are not guarantees of what you will achieve.
5. UFL Profit Takers
UFL Profit Takers is our free educational community.
Membership may provide access to educational materials, discussions, resources, beginner training, live information, announcements, and other community content.
UFL may change, update, add, remove, or discontinue community features at any time.
Community access may also be subject to additional rules or guidelines.
You agree to participate respectfully and not use the community for unlawful, abusive, fraudulent, or disruptive activities.
6. Educational Content
UFL may provide:
Free guides
Courses
Webinars
Videos
Worksheets
Training materials
Live sessions
Recorded sessions
Community discussions
Emails
SMS communications
Other educational resources
Educational content may change over time.
Markets, technology, laws, regulations, platforms, and trading conditions can change.
UFL does not guarantee that every piece of educational information will always reflect the most current market conditions.
You are responsible for verifying information before acting on it.
7. UFL Starter Kit
The UFL Starter Kit is a paid educational product designed to provide additional structure and education to students who want to take their learning further.
The current entry-level price may be displayed on the applicable sales page.
Purchasing the Starter Kit does not guarantee any specific financial or trading result.
Access to the Starter Kit is provided according to the product description and purchase terms presented at the time of purchase.
8. Purchases and Payments
When you purchase a UFL product or service, you agree to provide accurate and complete billing information.
You authorize the applicable payment provider to process your payment according to the payment terms presented at checkout.
Prices may change from time to time.
Any applicable taxes, fees, subscriptions, payment terms, or renewal terms will be presented during the applicable purchase process.
If a product has a specific refund policy, that policy will be provided on the applicable checkout or offer page and will apply to that purchase.
9. Intellectual Property
All UFL content is owned by or licensed to UFL unless otherwise stated.
This includes:
Website content
Logos
Branding
Courses
Videos
Written materials
Guides
Worksheets
Graphics
Training materials
Presentations
Templates
Educational resources
Community content
You may use purchased or provided educational materials for your own personal educational purposes.
You may not:
Copy and redistribute UFL materials
Resell UFL materials
Share paid course access
Upload UFL materials to another platform
Reproduce UFL materials for commercial purposes
Claim UFL content as your own
Give unauthorized access to other people
UFL reserves the right to take appropriate action when its intellectual property is misused.
10. Account and Access
Some UFL services may require you to create an account.
You are responsible for keeping your login information secure.
You should not share your account credentials with another person.
You are responsible for activity that occurs through your account.
If you believe your account has been compromised, contact UFL as soon as possible.
UFL may suspend or terminate access if we believe an account is being used in violation of these Terms & Conditions.
11. SMS Communications
If you provide your phone number and separately consent to receive SMS messages from UFL, you agree that UFL may send messages related to the messaging program for which you provided consent.
These messages may include:
Educational reminders
Webinar reminders
Course-related communications
Community updates
Customer support
Account-related messages
Promotional or marketing messages when you have provided the appropriate consent
Message frequency may vary. Message and data rates may apply.
You can opt out of SMS messages at any time by replying STOP to a UFL text message.
For assistance, reply HELP to a UFL text message or contact us using the support information listed below.
Your consent to receive marketing SMS messages is not required as a condition of purchasing any product or service from UFL.
Providing your phone number does not automatically mean you have consented to receive SMS messages.
Where applicable, SMS consent will be collected through a separate checkbox or other clear consent mechanism.
12. SMS Consent and Privacy
UFL respects the consent you provide when choosing to receive text messages.
No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
UFL does not purchase, rent, or use third-party contact lists as a substitute for obtaining SMS consent.
SMS consent applies only to the messaging program for which you provided consent.
13. Email Communications
By providing your email address to UFL, you may receive educational, transactional, community, product, or marketing communications.
You can unsubscribe from marketing emails at any time by using the unsubscribe link included in the email.
Unsubscribing from marketing emails does not necessarily stop transactional or service-related communications that are necessary to provide a service you requested.
14. User Conduct
You agree to use UFL's website, products, and community responsibly.
You may not use UFL services to:
Break the law
Commit fraud
Harass another person
Impersonate another person
Distribute malicious software
Attempt to gain unauthorized access
Disrupt our services
Copy or distribute protected content without permission
Abuse community members
Misrepresent UFL's educational content
Use UFL materials to create competing products without permission
UFL may suspend or terminate access when necessary to protect our community, business, content, or users.
15. Third-Party Platforms
UFL may use third-party platforms and services to operate our business.
These may include platforms for:
CRM
SMS
Payments
Courses
Community
Website hosting
Analytics
Video
Scheduling
Third-party services may have their own terms, privacy policies, and requirements.
UFL is not responsible for the policies, security, availability, or practices of third-party platforms.
16. Third-Party Links
Our website or educational materials may contain links to third-party websites.
These links are provided for convenience or educational purposes.
UFL does not control third-party websites and is not responsible for their content, policies, security, or services.
You are responsible for reviewing the terms and privacy policies of third-party websites you visit.
17. Testimonials and Results
UFL may share testimonials, student experiences, educational examples, or other results.
These are provided for informational and educational purposes.
Individual results vary.
A testimonial or example should not be interpreted as a guarantee that you will achieve the same or similar results.
Trading results depend on individual circumstances, decisions, experience, risk management, and market conditions.
18. Website Availability
We work to keep the UFL website and services available and functioning properly.
However, we do not guarantee that the website, courses, community, educational materials, or other services will always be available, uninterrupted, or error-free.
We may temporarily suspend services for maintenance, updates, security, technical issues, or other business reasons.
19. Limitation of Liability
To the fullest extent permitted by applicable law, UFL and its owners, team members, contractors, affiliates, and service providers will not be responsible for losses or damages arising from your use of our website, educational materials, products, community, or services.
This includes losses related to:
Trading decisions
Investment decisions
Loss of money
Loss of profits
Business decisions
Reliance on educational information
Technical issues
Third-party services
Website interruptions
Nothing in these Terms & Conditions is intended to exclude liability that cannot legally be excluded under applicable law.
20. Indemnification
To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless UFL, its owners, team members, contractors, affiliates, and service providers from claims, losses, liabilities, damages, costs, or expenses arising from:
Your use of UFL services
Your violation of these Terms & Conditions
Your violation of applicable laws
Your misuse of UFL content
Your violation of another person's rights
21. Changes to These Terms
UFL may update these Terms & Conditions from time to time.
When we make changes, we will update the Last Updated date at the top of this page.
Your continued use of the website or services after changes are posted may constitute acceptance of the updated Terms & Conditions where permitted by law.
22. Governing Law
These Terms & Conditions will be governed by the applicable laws of the jurisdiction in which UFL is legally organized, without regard to conflict-of-law principles.
Any disputes will be handled according to the applicable laws and legal requirements of that jurisdiction.
23. Contact Us
If you have questions about these Terms & Conditions, UFL products, our educational services, or our messaging program, please contact us.
UFL — Unlocking Financial Literacy
Email: [email protected]
Website: getufl.biz
Phone : +1 220-222-3050
For SMS support, you may reply HELP to a UFL text message.
The goal is simple: educate people, build real skills, and help beginners approach the market with more knowledge and structure.