YOUR ACCESS TO AND USE OF THE COMPANY SITES AND MATERIALS ARE CONDITIONED ON YOUR ACCEPTANCE OF AND COMPLIANCE WITH THESE TERMS. BY ACCESSING OR USING THE COMPANY SITES AND MATERIALS YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THE TERMS HEREIN, YOU AGREE THAT YOU WILL NOT ACCESS OR USE THE COMPANY SITES AND MATERIALS, AND YOU UNDERSTAND THAT YOU ARE PROHIBITED FROM ACCESSING ANY WEBSITES OR MATERIALS PROVIDED BY THE COMPANY AND ITS OWNER.

1. GENERAL

You are solely responsible for your use of the Company Sites and Materials. You agree that you will not use the Company Sites and Materials unless you can form a binding contract with the Company. Please read these Terms of Service (“Terms”) carefully before accessing or using any websites or materials provided by paulngumah.com, patternologylab.com, Patternology Lab, (the “Company” or “We” or “Us”), or its owner, subsidiaries, and its affiliates.

2. DISCLAIMER

The Company is not an investment, financial, tax, or legal advisor or a broker-dealer and does not purport to provide personalized investment, financial, tax, or legal advice in any form. The Company does not recommend the purchase of securities nor does the Company promise or guarantee any particular investment results. You understand and acknowledge that there is a very high degree of risk involved in trading securities and, particularly in trading futures and options, and in trading penny stocks. You acknowledge and agree that you, and not the Company, are solely responsible for your own investment research and decisions. Do not trade with money that you cannot afford to lose. You understand that the Company encourages you to seek the advice of a qualified securities professional and/or tax or legal advisor, as necessary, before making any investment, and to investigate and fully understand any and all risks before investing. The Company assumes no responsibility or liability for your trading and investment results, and you agree to hold the Company harmless for any such results or losses.

In all financial markets, the opportunity to make money comes with a risk that must not be neglected. Always stay aware of the risks and be willing to accept them. Never trade with money that you cannot afford to lose. We are not your financial or investment advisors. We cannot and will not be held liable for any actions you take as a result of our opinions and the content in this COMPANY, its channel, or any of its social media platforms. The information provided by the Company and on its social media platforms is purely for informational purposes only, and they are meant to be taken as opinions. Always stay skeptical and do your own research before participating in the financial markets. Nothing from this Company is recommendations, all the content provided are our humble opinions only. The performance of chart/candlestick patterns discussed on this channel is not necessarily indicative of future results. Technical analyses are not absolute and are prone to change due to future market events. Investing in any market is very risky and the risk for significant losses is substantial.

3. INTELLECTUAL PROPERTY

The Company Sites and Materials and related content, including without limitation the User Submissions (as defined below), third-party applications, and any other content on the Company Sites and Materials and the copyrights, trademarks, service marks and other intellectual property rights in such content are the property of Company and/or its third-party licensors or providers unless otherwise specifically stated. You may access and use such content solely for your own personal and non-commercial use. The Company or its third-party licensors, as applicable, reserve all rights not expressly granted in and to such content. Your modification or use of such content other than modification or use expressly permitted hereunder is a violation of our intellectual property rights and can subject you to legal liability.

You agree you may not, and will not permit or assist any third party, to:

1. Reverse engineer, decompile, or disassemble any of the Company Materials, any and all related content, or otherwise seek to obtain the source code or non-public APIs to any of the Company Materials;
2. Combine or integrate the Company Materials with hardware, software or other technology or materials not provided by us;
3. Modify or create any derivative works from any of the Company Materials;
4. Copy, reproduce, republish, upload, post, transmit, share or distribute in any manner the Company Materials; and
5. Remove or obscure any copyright, proprietary or other notices contained in any Company Materials.

any future releases, updates, or other additions to the company materials will be subjected to these terms.

Certain links on the Company connect to third party sites and/or materials maintained by such third parties. The Company has not verified the content of such third-party sites or material and does not endorse, warrant promote, or recommend any services or product provided by the third party.

4. USER SUBMISSION AND OTHER CONTENT

The Company Sites and Materials may permit the submission of content by users, including, for example, comments, articles, links, and conversations in our chat rooms (“User Submissions”). By posting any such User Submissions, you grant the Company an irrevocable, worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display and distribute such User Submission in any and all media or distribution methods (now known or later developed). The Company has the right, in its sole discretion and without further notice to you, to monitor, censor, edit, move, and/or remove any and all content posted on the Company Sites and Materials, including any User Submission, at any time and for any reason.

We do not represent or guarantee the completeness, truthfulness, accuracy, usefulness or reliability of any content or User Submission and do not necessarily endorse any opinions expressed therein. You understand that by using the Company Site and Materials, you may be exposed to content that might be offensive, harmful, inaccurate or otherwise inappropriate. We may not monitor or control the content or User Submissions accessible on the Company Sites and Materials.

5. CODE OF CONDUCT

This Code of Conduct applies to your access and use of the websites or materials on which they appear (collectively, “Company Sites and Materials”). Without limitation, this Code of Conduct applies to your use of bulletin boards, message boards, newsgroups, chat rooms, and other interactive or social media features of the Company Sites and Materials.

In accessing or using the Company Sites and Materials, you may not:

1. Restrict or inhibit any other visitor from using the Company Sites and Materials, including, without limitation, by means of “hacking” or defacing any portion of the websites;
2. Use the Company Sites and Materials for any unlawful purpose;
3. Express or imply that any statements you make are endorsed by us, without our prior express written consent;
4. Share, disseminate, or distribute any content, products, services, or materials available through your paid subscription or service;
5. Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Company Sites and Materials;
6. “Frame” or “mirror” any part of the Company Sites and Materials without our prior written authorization;
7. Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, “data mine”, “scrape”, “harvest” or in any way reproduce or circumvent the navigational structure or presentation of the websites or its contents;
8. Harvest or collect information about visitors to the Company Sites and Materials without their express consent;
9. Send unsolicited or unauthorized advertisements, spam, chain letters, etc., to other users of the Company Sites and Materials;
10. Infringe any party’s intellectual property rights;
11. Threaten any of our users in any way;
12. Incite hatred or promote materials that violate our users’ civil rights;
13. Include or use profanity, vulgarity, obscenity or pornography;
14. Publish any other user’s personally identifiable information (e.g. credit or debit card numbers, social security numbers, driver’s license);
15. Impersonate any other user or person in a manner intended to mislead or confuse other users or engage in inappropriate, unethical or misleading behavior;
16. Engage or promote illegal activities;
17. Send spam or transmit any malware or viruses or other harmful computer code, files or programs; and
18. Solicit or advertise on the websites or add abusive or non-related linking to your own site;

In order to access some of the services of the websites, you may have to create an account. By creating this account, you agree to:

1. Maintain only a single account;
2. Provide accurate and complete information;
3. Never share your account username or password or knowingly provide or authorize access to your account (including without limitation any subscription, products, services, or materials made available by the Company);
4. Never use another user’s account without permission;
5. Be solely responsible for the activity that occurs on your account, and keep your account password secure; and
6. Notify us immediately of any breach of security or unauthorized use of your account.

The Company may allow free speech, debate, and sharing among our users. However, the Company is opposed to language and acts that do not further the mission of the websites and our community, including personal attacks on other users.

The Company may, in its sole discretion, grant particular users the authority to moderate any and all User Submissions. Due to the volume of content, we may not review moderation decisions with users. In addition, individual moderators may adopt their own guidelines for chat rooms that they moderate. Users are encouraged to follow these moderator guidelines, but at all times this Code of Conduct and the Company’s Privacy Policy supersede such moderator guidelines to the extent that such guidelines are inconsistent with these Terms or the Company’s Privacy Statement.

You may not circumvent any measures we may put in place to protect the privacy or confidentiality of your account or information, or the account or information of ourselves, our affiliates, or other users, including encryption measures or the use of multi-factor authentication.

6. LIMITATION OF LIABILITY

Neither the company nor the company affiliates nor any of their suppliers, advertisers, or sponsors are or will be liable for any actual, indirect, incidental, consequential, special, exemplary, punitive or other damages whether under any contract, negligence, strict liability or other theory, arising out of or relating in any way to any of the company sites and materials, or any of the content contained therein, or any product or service used or purchased through the company including, but not limited to, lost revenue or income, loss of capital, pain and suffering, emotional distress, or similar damages, even if the company has been advised of the possibility of such damages. The liability of the company for all damages, losses, and causes of action (whether in contract, tort (including, without limitation, negligence), or otherwise) shall not exceed the greater of $100 or the total amount paid to us by you, if any, for materials or services (including subscriptions), during the previous six (6) months prior to bringing the claim.

7. DISCLAIMER OF WARRANTIES

You expressly understand and agree that the content, products, tools, and services included or obtained via or as part of the company sites or materials are provided on an “as is” and “as available” basis and without representations or warranties of any kind, either express or implied, to the fullest extent permitted by applicable law. The company expressly disclaims all warranties of any kind, whether express, implied or statutory, including, but not limited to, warranties of title and non-infringement, implied warranties of merchantability and fitness for a particular purpose, and all warranties relating to the adequacy, accuracy, reliability, usefulness or completeness of any of the information contained on or in the company sites and materials.

8. INDEMNIFICATION

As a condition of your use of the any of the Company Sites and Materials, you agree to indemnify and hold the Company and the Company Affiliates harmless for any losses, claims, judgments, costs, damages, and expenses (including attorneys’ fees) caused by or resulting from (i) your violation of these Terms; (ii) your use or reliance upon any of the Company Sites and Materials; (iii) your violation of the rights of any third party, (iv) any claim that one of your User Submissions caused damage to a third-party, or (v) any claim or demand by a third-party arising out of your use of any third-party website. This obligation to indemnify and hold harmless will survive the expiration or termination of these Terms and your cessation of use of the Company Sites and Materials.

The Company may revise these Terms by updating this posting or communicating with you regarding the same via the contact information the Company has on record for you. Your continued use of Company Sites and Materials after such revisions have been posted or communicated to you indicates your acceptance of all such revisions.

9. PAYMENT

1. You agree to pay for all fees with respect to the subscription product you have selected to purchase. You will be charged immediately for the entire period of the subscription and you accept responsibility for all recurring fees until you cancel your subscription. Fees may be exclusive of applicable taxes and you may be responsible for the payment of any taxes associated with the purchase of the Company Products.
2. A valid credit card is required to purchase any product offered by the Company. You authorize us to charge any applicable recurring subscription fees to any credit card you have on file with us or any replacement card.
3. You represent and warrant that you are the lawful owner of the credit card or that you are authorized to provide and use the credit card.
4. You agree to immediately inform us if any credit card information changes or if your credit card is expired or rejected, and to provide us with a valid replacement card.
5. You agree to request termination of any recurring credit card transaction and to transition to another credit card within the current billing cycle.
6. You will notify us about any billing problems or discrepancies with 30 days. If you do not bring them to our attention within that time period, you waive your rights to dispute such problems or discrepancies.
7. If payment for any fees remains outstanding for more than 5 days, we reserve the right to suspend any account, Subscription Product, and your access to the Services until payment is received in full. We reserve the right to take all steps necessary to collect any amount due from you, including but not limited to charging outstanding fees and other amounts due to us against ay credit card you have on file with us, taking legal action and/or using third party collection agencies.
8. We may at any time change any of our fees, or institute new charges or fees. Fee changes and new changes will not apply to any current subscription members but only to new members after the effective date of the fee change.

10. RENEWALS

The Subscription Products will be set to automatically renew upon expiration of the term. Unless you cancel your subscription within the current billing cycle, your account will be automatically charged the current fee.

11. REFUND POLICY

There is a ZERO Refund Policy.

The Company and its owner have the right to revoke any chatroom privileges at any time, if you do not follow the chat rules you will be removed.

IF YOU DO NOT AGREE WITH ANY TERM OR PROVISION OF THIS POLICY, PLEASE EXIT THE SITE IMMEDIATELY. PLEASE BE ADVISED THAT YOUR CONTINUED USE OF THIS INFOMRATIONAL COURSE OF VIDEOS OR THE PRODUCTS OR INFORMATION PROVIDED THEREBY SHALL INDICATE YOUR CONSENT AND AGREEMENT TO THIS POLICY.

12. ERRORS, INACCURACIES AND OMISSIONS

Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

13. GOVERNING LAW AND JURISDICTION

These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Minnesota, USA.

All disputes with paulngumah.com (Paul N’Gumah), Patternology Lab, or patternologylab.com arising in any way from or in any way related to this agreement shall be resolved exclusively through final and binding arbitration, and not by a court or jury.

Any such dispute shall not be combined or consolidated with a dispute involving any other person’s or entity’s product or claim, and specifically, without limitation of the foregoing, shall not under any circumstances proceed as part of a class action. The arbitration shall be conducted before a single arbitrator, whose award may not exceed, in form or amount, the relief allowed by the applicable law.

The arbitration shall be conducted according to the American Arbitration Association (AAA) Commercial Arbitration Rules applicable to consumer disputes. Each party acknowledges that, in executing this agreement, such party has had the opportunity to seek the advice of independent legal counsel and has read and understood all the terms and provisions of this agreement. This agreement shall not be construed against any party by reason of the drafting or preparation hereof.

14. CANCELLATION, SUSPENSION, AND TERMINATION

The Company may suspend or terminate your access to and use of the Company Sites and Materials at any time. Cause for such termination shall include, but not be limited to (a) breaches or violations of these Terms or other agreements or guidelines, (b) requests by law enforcement or other government or regulatory authorities or (c) violation or unauthorized use of copyrights or other intellectual property. Cancellation or termination of your account, services or subscriptions by the Company shall not relieve you of any obligation to pay any accrued fees or charges. You may not access or use the Company Sites and Materials after termination or notification of the same.

If you have any questions or concerns regarding any information provided by the Company, its social media platform, or its owner, please feel free to contact us directly.