Terms and Conditions

Chapter 1: Scope of the Service

The Site and related applications, including our browser extension and our interface for AI assistants (collectively, the "Service"), provide free pages, a free account and paid memberships that give access to dashboards, data, model outputs, briefings and education we make available from time to time. The content is informational and educational; we do not provide personalised recommendations, or financial, investment, legal, or tax advice. Markets are volatile and you remain solely responsible for any decision you make based on information shown in the Service.

Chapter 2: Eligibility and accounts

You must provide accurate information, safeguard your login, and use your account personally; sharing or resale of access is not allowed. If you are under eighteen, you represent that you have parental or guardian consent; where local law sets a higher digital-consent age for the processing of personal data, that higher age applies. To prevent abuse, we may reasonably enforce usage controls, such as limits on the number of devices and concurrent sessions per account.

Chapter 3: Free account, memberships, renewal and billing

You can create a free account without payment details. A free account gives access to the free parts of the Service only; it is not a trial, and it never turns into a paid membership by itself. The paid Service has no trial period.

Paid memberships are offered in the tiers and terms shown at checkout, currently quarterly or yearly. A membership paid by card renews automatically for another term of the same length at the then-current price of its tier, until you cancel. A membership paid in cryptocurrency is paid in advance for each term: before the term ends we send you a payment request for the next one, and if it is not paid by the last paid day, access ends. Payments are handled by our payment processors, and receipts or invoices are available in your account and/or by email.

Prices are displayed and charged in EUR or USD as selected at checkout. VAT is included where required; any bank or exchange charges or local taxes not included remain your responsibility. If your card or bank operates in another currency, conversion may apply under your provider's rate. If a payment fails, we may temporarily suspend access until the issue is resolved.

Your first card payment for a quarter or a year is covered by the First-month guarantee in Chapter 5. Apart from it, payments are not refunded, in whole or in part, unless mandatory law requires it.

A refund of a quarterly or yearly payment, however partial, or a chargeback of it takes what came with that plan with it: a 25K Bright Funded Challenge not yet sent, and the onboarding call, claimed or not.

A discount applies only to the term or terms stated with the offer, and to no more than one term, after which the regular price of your tier applies. Discounts are personal, non-transferable and not stackable unless expressly stated, and they apply before taxes and fees. A member who bought at an earlier price keeps that price until 1 January 2027; from then, the first renewal moves to the current price of the same tier, a three-year term renewing as yearly, and we email the member before it changes. Switching term or tier ends an earlier price at once.

You can upgrade to a higher tier at any time; the upgrade takes effect at once, and the unused part of your current term is credited against it. A move to a lower tier takes effect at the end of the current term.

Chapter 4: Cancellation

You can cancel at any time through the self-service route in your account: go to Settings, Cancel membership and follow the steps. Cancellation takes effect at the end of the then-current term; until then you keep access. For a membership paid in cryptocurrency, cancelling stops the payment request for the next term. We immediately send a cancellation confirmation to your email address; if you do not receive it within minutes, please check your spam folder and verify the membership status in your account. Our support team can guide you but cannot submit cancellations for you by email, chat, or phone.

Chapter 5: First-month guarantee

Try it for a month: if it isn’t for you, you only pay for the first month. Ask us within thirty days of your first card payment for a quarter or a year, and we refund everything but one month; your access runs to the end of that first month. Once per account.

The guarantee covers your account’s first payment made by card, for a quarter or a year, whatever the reason you ask, also when you paid in cryptocurrency before. It does not cover an account that was a member on our previous site. We refund what you paid for that term, after any discount, less one month's share of it: two thirds of a quarter's payment come back, or eleven twelfths of a year's. Your membership then ends one month after that payment. It applies once per account and never to a renewal, an upgrade or a payment in cryptocurrency. As it is a refund, what came with the plan goes with it: a 25K Bright Funded Challenge not yet sent, and the onboarding call, claimed or not.

To ask for it, write to us through our contact page under “The First-month guarantee”, from the address of your account. Our support team carries it out and confirms the amount and the day your access ends by email.

Chapter 6: Acceptable use and restrictions

You agree to use the Service lawfully and reasonably. You may not access the Service through bots, scrapers, crawlers, AI agents or other automated means, except through the interfaces we provide for it, such as our browser extension and our official interface for AI assistants where your membership includes it; copy, extract, index, mirror or otherwise scrape data or content; reverse engineer, decompile or create derivative works of the Service or its underlying models; resell, sublicense or provide third-party access to your account; overload or interfere with the Service; use the Service for benchmarking or to build a competing product; or share credentials or enable concurrent multi-user use of a single account. We reserve our rights against text and data mining under Article 4 of EU Directive 2019/790. We may use proportionate technical measures (such as rate limiting and device or session checks) to detect and mitigate abuse, and we may suspend or terminate access where we reasonably believe these Terms are breached.

Chapter 7: Intellectual property and feedback

The Service, software, data, models and content are owned by us or our licensors and are protected by intellectual-property laws. Some content, such as third-party research, is licensed to us and shown only as far as that licence allows. While you have access, we grant you a personal, non-exclusive, non-transferable and revocable licence to use the Service as provided. Republishing, scraping, redistribution and creation of derivative works are not permitted. If you provide feedback, you grant us a worldwide, royalty-free licence to use it to improve the Service.

Chapter 8: Third-party data, availability and changes

Some data within the Service is provided by third parties or licensors whose availability, scope and timing may change or cease; we are not responsible for interruptions or changes in third-party feeds beyond our reasonable control. Data, model outputs and other content may contain errors, delays or omissions, and we give no warranty as to their accuracy, completeness or timeliness. The Service is provided "as is" and "as available"; while we strive for reliability, we do not guarantee uninterrupted or error-free operation, and planned maintenance may be announced where feasible. We may add, modify or discontinue features, and we may update pricing from time to time. Price changes apply to renewals and new purchases from their stated effective date; if you do not agree with a price change, you may cancel before your next renewal (see Chapter 4).

Chapter 9: Liability, suspension and termination

To the maximum extent permitted by law, our total aggregate liability to you for any claims arising out of or in connection with the Service is limited to the fees you paid for the Service in the three months immediately preceding the event giving rise to liability. We are not liable for indirect, incidental, special, consequential or punitive damages, lost profits or loss of data to the extent permitted by law. These limitations do not apply where liability cannot be limited under mandatory law, including for death or personal injury, or for our wilful misconduct or gross negligence. We may suspend or terminate access immediately if we reasonably believe you breach these Terms; termination does not affect amounts already due.

Chapter 10: Your data, privacy and cookies

When a membership ends, your access to the paid Service closes but your account and what you saved in it are kept, so you can return to it. You can ask us to delete your account at any time by writing to [email protected]; we then delete or anonymise your data, subject to legal retention duties such as seven-year tax recordkeeping. We process personal data and use cookies as described in our Privacy Policy.

Chapter 11: Export controls and complaints

You represent that you are not located in, under the control of, or a national or resident of any country or party subject to sanctions or export restrictions applicable to the Service, and you will not use the Service in violation of such laws. Questions or complaints can be sent to [email protected]; we aim to respond within two business days.

Chapter 12: Governing law, jurisdiction and miscellaneous

These Terms are governed by the laws of the Netherlands. Disputes shall be submitted to the competent court in Amsterdam, to the extent mandatory law does not provide otherwise. You may not assign your rights or obligations without our prior written consent; we may assign these Terms in connection with restructuring, merger or acquisition. We are not liable for delays or failures caused by events beyond our reasonable control (force majeure). If any provision is held invalid, the remaining provisions remain in force, and the invalid provision will be replaced by a valid one that best reflects the original intent. These Terms are provided in English; translations, if any, are for convenience only, and the English version controls.

Chapter 13: Contact

FMA Data Solutions B.V. (Forex Fundamentals), Keizersgracht 520 H, 1017 EK Amsterdam, the Netherlands, [email protected].