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Welcome to the official website of Julian Joaquin Ruiz Jr (“we”, “our”, “us”).
These Terms of Service govern your access to and use of our website, services, content, investment insights, and any online platform or portal operated by us (collectively, the “Services”).

By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please discontinue use immediately.

1. Acceptance of Terms

By using our Services, you confirm that you:

  • Are at least 18 years old or the age of majority in your jurisdiction.

  • Have the legal capacity to enter into a binding agreement.

  • Agree to comply with all laws and regulations applicable to financial services and online platforms.

2. Disclaimer: No Financial or Investment Guarantee

All content provided by Julian Joaquin Ruiz Jr—including trading insights, portfolio strategies, market commentary, or investment opinions—is for informational and educational purposes only.

We do not guarantee:

  • Profit returns

  • Trading success

  • Portfolio performance

  • Market outcomes or predictions

Financial markets involve risk. You acknowledge that:

  • Past performance is not indicative of future results.

  • Investments may rise or fall.

  • You may sustain losses, including total loss.

You agree that any investment decision you make is solely at your own discretion and risk.

3. Client Accounts and Security

If you create an account on our website, you are responsible for maintaining the confidentiality of your:

  • Login credentials

  • Password

  • Authentication data

You agree to:

  • Notify us immediately of any unauthorized access

  • Ensure your device and network are secure

  • Not share your account with any third party

We reserve the right to suspend or terminate accounts that violate these terms.

4. Use of Services

You agree not to use our Services for:

  • Illegal financial activities

  • Fraud, scams, or misleading actions

  • Data scraping or unauthorized access

  • Distributing harmful software

  • Impersonating another person

Any misuse of the platform may result in immediate termination of access.

5. Professional Relationship

Using our Services does not automatically establish a fiduciary, broker-client, financial advisor, or portfolio management relationship unless:

  • A separate written agreement is signed

  • Fees, contract terms, or service conditions are explicitly agreed upon

Any communication on the website, including chat or email, does not replace a formal contractual relationship.

6. Intellectual Property Rights

All content on this website—including:

  • Text

  • Logo

  • Graphics

  • Website design

  • Trading strategies

  • Articles and blog posts

  • Portfolio content

  • Training materials

—is the exclusive property of Julian Joaquin Ruiz Jr or licensed content providers.

You may not copy, distribute, modify, reproduce, or publish our content without written permission.

7. Third-Party Services and Partners

The website may include references to:

  • Brokers

  • Trading platforms

  • Crypto exchanges

  • Financial data providers

  • Payment processors

These partners are third-party services. We are not responsible for:

  • Their policies

  • Their security

  • Their actions

  • Their availability or performance

Your use of third-party services is at your own discretion.

8. Limitation of Liability

Under no circumstances shall Julian Joaquin Ruiz Jr, employees, partners, affiliates, or service providers be liable for:

  • Loss of profits

  • Trading losses

  • Loss of capital

  • Financial damages

  • Data breaches caused by external parties

  • Downtime or service interruptions

  • Any indirect or consequential damages

Your sole remedy for dissatisfaction with our Services is to discontinue use.

9. Indemnification

You agree to indemnify and hold harmless Julian Joaquin Ruiz Jr from any claims, damages, liabilities, or losses arising from:

  • Your use of the website

  • Violation of these Terms

  • Misuse of financial information

  • Breach of laws or regulations

10. Modifications to Terms

We may update or revise these Terms at any time.
Changes take effect immediately upon posting.

Continued use of the website means you accept the updated Terms.

11. Termination of Services

We reserve the right to:

  • Suspend access

  • Terminate accounts

  • Block users

  • Remove content

at our discretion, with or without notice, especially in cases involving security concerns, abuse, or policy violations.

12. Governing Law

These Terms shall be governed and interpreted in accordance with the laws of:

USA

You agree to submit to the jurisdiction of courts in that region.

13. Contact Information

For questions about these Terms or your legal rights, contact us