Terms, refunds and disclosures

Education, not advice

Everything on PHIMINDFLOW, including courses, books, videos, indicators and posts, is for education only. It is not financial, legal, tax or investment advice. Talk to a licensed professional about your own situation.

No promised results

We do not promise any income, credit score change, funding approval or trading result. Your results depend on your own decisions, effort and circumstances.

Trading risk

Trading foreign exchange, futures, crypto and other leveraged products carries a high level of risk and may not be suitable for everyone. You can lose more than your deposit. Past performance does not guarantee future results.

Credit

You have the right to dispute inaccurate information with the credit bureaus yourself, for free. We cannot remove accurate, timely information. Credit-specific terms are at /credit/legal/terms.

Funding

We never charge a fee before your funding closes. Lenders set their own approval, amounts and terms, and may pay us a referral fee when a deal funds.

Affiliate disclosure

Some links on this site, in our emails and in our books are affiliate links, including broker links. If you sign up or buy through them, we may earn a commission at no extra cost to you. We only link to tools we use.

Payments and refunds

Paid plans are one-time payments processed securely by Stripe. There are no subscriptions on current plans.

Refunds: if a digital product does not work for you, email us within 14 days of purchase and we will review your request. Mailed dispute letters cannot be refunded once mailed.

Your account

Keep your login private. Don't share, resell or redistribute paid content. We may close accounts that abuse the service.

Privacy

How we handle your data is explained in our Privacy Policy at /privacy.