Legal Disclaimer Terms of use and purchase agreement

No refund policy

This is a digital product. By purchasing, you agree to immediate access and waive your right of withdrawal under EU consumer law (Directive 2011/83/EU).
No refunds can be issued once access has been granted.

License

Access to the MFM indicator is personal, non-transferable and valid for one year from the date of activation.
Redistribution, reselling, sharing or public disclosure of the model or its logic is strictly prohibited.

Educational use only

The Market Framework Model (MFM) is an analytical and educational tool. It does not provide financial advice and does not guarantee results.
It does not provide buy or sell signals and does not constitute a recommendation to trade any instrument.

User responsibility

By using MFM you acknowledge and agree that:
• You are solely responsible for all trading decisions and financial outcomes.
• Neither the creator of MFM nor Inratios can be held liable for losses, damages or missed opportunities.
• Market activity involves risk, and past performance is not indicative of future results.
• You must be 18 years or older to use this product.

No financial advice

MFM is not registered as a financial advisor or broker-dealer in the Netherlands, the United States, or any other jurisdiction.
Always consult a licensed financial professional before making investment decisions.

Limitation of liability

To the fullest extent permitted by law, liability is limited to the lesser of:
• the amount paid for the license, or
• USD $500.
In no event shall Inratios or the creator be liable for indirect, incidental, or consequential damages.

Intellectual property

MFM, its logic and documentation are protected by copyright and registered under i-Depot (BOIP) Ref. 155670.
All rights reserved.

Governing law

These terms are governed by Dutch law.
Any disputes shall be resolved exclusively in the competent court of Limburg, the Netherlands.

Acceptance

By completing this purchase, you confirm that you have read, understood and agreed to these terms.

Privacy Policy

This privacy policy explains how we handle your personal data when you purchase the MFM Indicator via Payhip or related channels.

1. Who we are

Inratios is responsible for processing your personal data.
Contact: info@inratios.com
Location: Heerlen, The Netherlands.

2. Data we collect

We may collect the following information:

• Name and email address
• Billing information
• IP address and country of purchase
• VAT number (for EU business clients)
• TradingView username (for indicator activation)
• Technical and order metadata collected by Payhip for fraud prevention and tax purposes

3. Why we collect your data

We process your personal data to:

• Complete your purchase
• Provide access to the MFM indicator
• Generate invoices and comply with tax obligations
• Provide support and handle inquiries
• Send important product-related updates

We do not send marketing emails unless you explicitly opt in.

4. Who we share your data with

We do not sell your data.
We only share it with essential processors:

• Payhip – payment processing and order management
• TradingView – for activating invite-only indicator access
• Accounting or tax services – for legal compliance

All processors operate under GDPR-compliant terms.

5. Your rights under GDPR

You have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion
• Restrict or object to processing
• Request a copy of your data (data portability)

Requests can be sent to: info@inratios.com
We respond within 30 days.

6. Data retention

We retain:

• Billing and invoicing data for 7 years (EU tax law requirement)
• License and activation records for up to 5 years
• Support communications for up to 2 years

7. Data protection

We take reasonable technical and organizational measures to protect your data from loss, unauthorized access, misuse, or disclosure.

8. Cookies and tracking

• Payhip may use cookies for fraud prevention and VAT determination.
• Inratios does not use external marketing trackers, analytics cookies, or advertising cookies.

9. Complaints

If you have concerns about how your data is handled, contact us at info@inratios.com.
You also have the right to file a complaint with your local data protection authority.

Terms & Conditions

These terms apply to all purchases of the Market Framework Model (MFM) Indicator via Payhip or related platforms.

1. Product description

The MFM Indicator is a digital analytical tool for use within the TradingView platform.
Access is provided as an invite only script.

2. Delivery

Access is granted manually within 24 hours after receiving both:
• your TradingView username, and
• payment confirmation.

3. License

You are granted a personal, non transferable license.
Redistribution, resale, public sharing or disclosure of the indicator or its logic is prohibited.

License duration: one year from the date of activation.

4. Updates

During the active one year license period, you receive:
• maintenance updates
• minor improvements to the current version

Future products, new models or major releases are not included.
No lifetime access or lifetime updates are provided.

5. Refunds & right of withdrawal

This is a digital product and is non refundable.

By purchasing, you agree to immediate access and waive your right of withdrawal under EU consumer law (Directive 2011/83/EU, Article 16).

6. Liability

The MFM Indicator is an educational and analytical tool.
It does not provide financial advice, trading signals or guarantees of any kind.

You are solely responsible for all trading decisions and financial outcomes.
See the full disclaimer on the product page.

Liability is limited to the lesser of:
• the amount paid for access, or
• USD $500.

7. Pricing & VAT

Prices include applicable VAT.
For EU businesses with a valid VAT number, VAT may be reversed according to EU tax regulations.

8. Termination

This purchase does not auto renew.
Access stops automatically after one year unless you manually purchase a new license.

You may stop using the indicator at any time.
No refunds are issued for unused time.

9. Governing law

These terms are governed by the laws of the Netherlands.
Any disputes shall be resolved in the competent court of Limburg, the Netherlands.