Terms of Service

AOC SDN BHD (Company Registration No. [NUMBER], "AOC," "we," "us," or "our") operates the trading education platform accessible at theartofcrypto.co (the "Platform"). These Terms of Service (the "Terms") govern your access to and use of the Platform, including all courses, materials, community access, and services (collectively, the "Services").

1. Definitions

1.1 Key Terms

• "Bootcamp" means the 90-day intensive trading education program delivered through the Platform, including live mentorship calls, recorded lessons, and community access.
• "Blueprint" means the digital courseware library containing pre-recorded educational content.
• "Proprietary Frameworks" means the trading methodologies taught by AOC, including but not limited to: (a) CISD (Change in Status of Delivery), (b) SMT Divergence, (c) AMD Cycles (Accumulation, Manipulation, Distribution), and (d) the Three-Timeframe System.
• "Member Portal" means the password-protected area of the Platform where digital content is accessed.
• "First Access" means the timestamp when a User first logs into the Member Portal and views any module, lesson, or content file.
• "Community Channels" means WhatsApp groups, Telegram channels, or any other communication platform designated by AOC for student interaction.
• "User," "you," or "your" means the individual who purchases access to the Services.
• "Consumer" means an individual acting for purposes wholly or mainly outside their trade, business, craft, or profession (applicable for UK/EU/Australian customers).

2. Eligibility and Account Requirements

2.1 Age and Capacity

You must be at least 18 years of age and possess the legal capacity to enter into binding contracts under the laws of your jurisdiction. By accepting these Terms, you represent and warrant that you meet these requirements.

2.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials. Any activity under your account is your responsibility. You must notify AOC immediately of any unauthorized access at support@theartofcrypto.co.

2.3 One Account Per Person

Each purchase grants access to one individual only. Account sharing, credential sharing, or resale of access is strictly prohibited and constitutes grounds for immediate termination without refund.

3. Nature of Services: Educational Purpose Only

3.1 Educational License

AOC is an education provider, not a licensed financial advisor, Capital Markets Services Representative, or investment firm. We are not registered with the Securities Commission Malaysia, Financial Conduct Authority (UK), Securities and Exchange Commission (US), Australian Securities and Investments Commission (ASIC), or any other regulatory body to provide financial advice or portfolio management services.

3.2 No Financial Advice

Nothing provided through the Services constitutes:

• Investment advice
• Recommendations to buy or sell securities or derivatives
• Portfolio management
• Financial planning
• Personalized financial guidance
• Regulated financial advice under UK Financial Services and Markets Act 2000, US Investment Advisers Act 1940, or Australian Corporations Act 2001

All content, including live trading reviews, chart analysis, and trade examples, is provided for educational and illustrative purposes only.

3.3 Risk Acknowledgment

YOU ACKNOWLEDGE AND AGREE THAT:

• Trading in financial markets, including forex, stocks, cryptocurrency, and derivatives, carries substantial risk of loss and is not suitable for all individuals.
• Past performance is not indicative of future results. The public 100-trade performance log maintained by AOC reflects historical data only and provides no guarantee of future profitability.
• You may lose some or all of your invested capital.
• You are solely responsible for all trading decisions made during or after participation in the Bootcamp.
• AOC has no responsibility for trading losses incurred by Users, whether or not those trades were based on content learned through the Services.
• You should not trade with money you cannot afford to lose.
• You should seek independent financial advice if you have any doubts about the suitability of trading for your circumstances.

3.4 Independent Decision-Making

Any trade execution, position sizing, risk management, or account funding decision is your sole responsibility. You must conduct your own due diligence and, if appropriate, consult with a licensed financial advisor before trading with real capital.

3.5 Regulatory Warnings

UK/EU Customers: CFDs and leveraged trading products carry a high risk of losing money rapidly due to leverage. Between 74–89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how these products work and whether you can afford to take the high risk of losing your money.

Australian Customers: Trading in derivatives and leveraged products may not be suitable for all investors. Consider the Product Disclosure Statement (PDS) and your financial situation before trading.

4. Intellectual Property Rights

4.1 Ownership

All content provided through the Services, including but not limited to video recordings and live session recordings, written materials, guides, and templates, trading frameworks and methodologies (CISD, SMT, AMD Cycles), proprietary terminology and systems, and software, design, and Platform functionality — is the exclusive property of AOC SDN BHD and is protected by Malaysian and international copyright, trademark, and trade secret laws.

4.2 Limited License

Subject to your compliance with these Terms, AOC grants you a non-exclusive, non-transferable, revocable license to access and use the Services for your personal educational use only.

4.3 Prohibited Uses

You may NOT:

• Record, screenshot, or capture any video, audio, or written content from the Platform (including live calls) without express written permission.
• Redistribute, resell, sublicense, or commercially exploit any content or Proprietary Frameworks.
• Create derivative educational products or "white-label" programs based on AOC frameworks.
• Use AOC content to establish a competing trading mentorship, course, or paid community.
• Remove, alter, or obscure any copyright, trademark, or proprietary notices.
• Share login credentials or provide access to unauthorized third parties.

4.4 Enforcement

Violation of Section 4.3 constitutes material breach and may result in:

• Immediate termination of access without refund
• Legal action for copyright infringement
• Claims for damages and injunctive relief
• Reporting to relevant authorities

5. Community Access and Conduct

5.1 Conditional Privilege

Access to Community Channels is a revocable privilege, not a purchased right. AOC reserves the right to remove any User from Community Channels at any time, with or without cause, with or without notice.

5.2 Prohibited Conduct

The following behaviors are strictly prohibited and will result in immediate removal:

• Poaching or recruiting other students for competing programs or services.
• Creating artificial urgency around funded trading challenges or third-party opportunities.
• Sharing others' personal information without consent.
• Harassment, hate speech, discrimination, or abusive language.
• Spamming, advertising, or promoting products/services unrelated to trading education.
• Posting graphic or sexually explicit content.
• Encouraging others to violate these Terms.
• Impersonating AOC staff, mentors, or other students.
• Spreading misinformation or making false claims about trading results.

5.3 Severability of Access

The Bootcamp and Blueprint consist of two components: (1) digital content access and (2) Community Channel participation. These are legally separate. Removal from Community Channels for conduct violations does NOT entitle you to a refund of the course purchase price. You retain access to the Member Portal content but forfeit community privileges.

UK/EU/Australian Consumers: This provision does not affect your statutory rights under applicable consumer protection laws. If you believe removal was unfair, contact support@theartofcrypto.co to discuss.

6. Payment Terms

6.1 Pricing

Current pricing for the Services is displayed on the Platform at the time of purchase. All prices are in USD and are subject to change at AOC's discretion. Price changes do not affect purchases already completed.

6.2 Payment Processing

Payments are processed through third-party providers (Stripe, PayPal). By providing payment information, you authorize AOC and its payment processors to charge the stated amount.

6.3 Taxes

Prices may not include applicable taxes (VAT, GST, sales tax). You are responsible for any taxes required by your jurisdiction. For UK/EU customers, VAT will be added where applicable.

6.4 Payment Plans

Unless explicitly offered at checkout, all purchases require full payment at the time of enrollment. Partial payments or "pay later" arrangements are not available unless specifically agreed in writing.

6.5 Failed Payments

If a payment fails or is reversed after access has been granted, AOC reserves the right to immediately suspend access until payment is resolved. Continued access during a payment dispute does not waive AOC's right to payment.

6.6 Currency Conversion

If you pay in a currency different from your card's currency, your bank or payment processor may apply conversion fees. AOC is not responsible for these fees.

7. Refund Policy (Integration)

The Refund Policy is incorporated into these Terms by reference. Key provisions vary by jurisdiction:

• UK/EU Customers: 14-day statutory withdrawal period. Refunds void upon First Access to Member Portal (with express consent).
• Australian Customers: 7-day refund window for change of mind. Refunds void upon First Access. Australian Consumer Law guarantees apply regardless.
• US and Other Customers: 7-day refund window. Refunds void upon First Access to Member Portal.

8. Access Logs and Audit Trails

8.1 Automated Tracking

AOC maintains automated logs of User activity, including login timestamps, module access timestamps (First Access), IP addresses, device information, and browsing patterns within the Platform.

8.2 Purpose

These logs are maintained for security and fraud prevention, enforcement of the Refund Policy, defense of chargeback disputes, compliance with legal obligations, and improvement of educational content.

8.3 Use in Disputes

BY ACCEPTING THESE TERMS, YOU CONSENT TO THE USE OF ACCESS LOGS AS EVIDENCE in any dispute, including refund claims, chargeback proceedings, or legal actions. You acknowledge that such logs constitute reliable records of your activity.

8.4 Data Protection

Access logs are handled in accordance with our Privacy Policy and applicable data protection laws (PDPA 2010, GDPR, Australian Privacy Act 1988).

9. Term and Termination

9.1 Term

These Terms remain in effect for as long as you have access to the Services or until terminated by either party.

9.2 Termination by User

You may request account closure at any time by contacting support@theartofcrypto.co. Closure does not entitle you to a refund unless the Refund Policy conditions are met.

9.3 Termination by AOC

AOC may terminate your access immediately, without notice or refund, if:

• You violate any provision of these Terms.
• You engage in fraudulent activity or abuse the refund/chargeback process.
• You breach the IP or Community Conduct provisions.
• Continued provision of Services would expose AOC to legal or regulatory risk.
• You fail to pay amounts owed.

9.4 Effects of Termination

Upon termination, all licenses granted under Section 4.2 are revoked, you must immediately cease using all content and materials, and you must delete or destroy any downloaded materials. Provisions related to IP, liability, and dispute resolution survive termination.

9.5 Survival

Sections 3 (Risk Acknowledgment), 4 (IP Rights), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), and 13 (Governing Law) survive termination.

10. Disclaimers and Limitation of Liability

10.1 "As Is" Provision

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

10.2 No Guarantee of Results

AOC DOES NOT WARRANT, REPRESENT, OR GUARANTEE THAT:

• You will achieve profitability, pass funded trader challenges, or earn income from trading.
• The Services will meet your specific needs or expectations.
• The Platform will be uninterrupted, secure, or error-free.
• Any information provided is accurate, complete, or current.
• The educational methods will be suitable for your learning style or trading objectives.

10.3 Limitation of Liability — General

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AOC's total liability for any claim arising from or related to the Services is limited to the amount you paid for access in the 12 months preceding the claim. AOC IS NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, including but not limited to trading losses, lost profits or lost opportunities, loss of data or business interruption, emotional distress, or reputational harm. This limitation applies regardless of the legal theory and even if AOC has been advised of the possibility of such damages.

10.4 UK/EU Consumer Exception

FOR UK/EU CONSUMERS: Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under UK/EU law.

10.5 Australian Consumer Exception

FOR AUSTRALIAN CONSUMERS: Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Australian Consumer Law (ACL) that cannot be lawfully excluded. Where our liability cannot be excluded but can be limited, our liability is limited to (at our option): re-supplying the Services, or paying the cost of having the Services re-supplied.

10.6 US State Variations

Some US states do not allow limitations on implied warranties or exclusions of certain damages. If these laws apply to you, some or all of the above limitations may not apply, and you may have additional rights.

11. Force Majeure

AOC is not liable for any failure or delay in performance due to circumstances beyond its reasonable control, including but not limited to acts of God or natural disasters, war, terrorism, or civil unrest, government actions or restrictions, internet or telecommunications failures, cyber-attacks or system breaches, pandemics or public health emergencies, and strikes or labor disputes. During force majeure events, our obligations are suspended for the duration of the event.

12. Indemnification

You agree to indemnify, defend, and hold harmless AOC SDN BHD, its directors, officers, employees, contractors, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable legal fees) arising from:

• Your violation of these Terms.
• Your use or misuse of the Services.
• Your trading activities or trading losses.
• Your infringement of any third-party rights (including IP rights).
• Your fraudulent, negligent, or unlawful conduct.
• Your violation of applicable laws or regulations.

UK/EU/Australian Exception: This indemnification does not apply where the claim arises from our breach of duty or negligence.

13. Governing Law and Dispute Resolution

13.1 Governing Law — Default

These Terms are governed by the laws of Malaysia, without regard to conflict of law principles.

13.2 Mandatory Consumer Law Override

Notwithstanding Section 13.1, the following mandatory laws apply and cannot be excluded:

A. United Kingdom Consumers
Your statutory rights under the Consumer Rights Act 2015 apply. You have the right to bring proceedings in the courts of England and Wales, Scotland, or Northern Ireland depending on your residence. The choice of Malaysian law does not deprive you of protections that cannot be derogated from under UK law.

B. European Union Consumers
Your statutory rights under EU consumer protection laws (including Directive 2011/83/EU) apply. You have the right to bring proceedings in the courts of your Member State of residence. You may access the EU Online Dispute Resolution platform at: https://ec.europa.eu/consumers/odr

C. Australian Consumers
Your rights under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010) apply and cannot be excluded. You may bring proceedings in any Australian court of competent jurisdiction.

D. United States Consumers
The choice of Malaysian law applies, subject to any mandatory consumer protection laws in your state. California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

13.3 Jurisdiction — Default

Subject to Section 13.2, any legal action relating to these Terms must be brought in the courts of Kuala Lumpur, Malaysia, and you consent to the exclusive jurisdiction of those courts.

13.4 Waiver of Class Actions

TO THE EXTENT PERMITTED BY LAW, you agree that any dispute will be resolved on an individual basis and waive any right to participate in class actions or class arbitrations. This waiver does not apply if it conflicts with mandatory consumer protection laws in your jurisdiction.

14. Amendments

14.1 Right to Modify

AOC reserves the right to modify these Terms at any time. Changes take effect immediately upon posting to the Platform.

14.2 Notice of Material Changes

For material changes that affect your rights, we will provide at least 30 days' notice via email to your registered address, prominent notice on the Platform, and a pop-up notification upon login.

14.3 Acceptance

Continued use after changes constitutes acceptance. If you do not agree to amended Terms, your sole remedy is to discontinue use and request account closure.

14.4 UK/EU/Australian Exception

For UK/EU/Australian consumers, we will notify you of any changes that materially reduce your statutory rights, and such changes will not apply to you without your express consent.

15. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it enforceable while preserving the parties' original intent.

16. Entire Agreement

These Terms, together with the Privacy Policy and Refund Policy, constitute the entire agreement between you and AOC regarding the Services and supersede all prior agreements, representations, or understandings, whether written or oral.

17. Notices

17.1 Notices to AOC

AOC SDN BHD
7-2, Plaza Danau 2, Jalan 2/109F
Taman Danau Desa, 58100 Kuala Lumpur, Malaysia
Email: support@theartofcrypto.co

17.2 Notices to You

Notices to you will be sent to the email address provided at registration. You agree to keep your email address current and to check your email regularly.

17.3 Legal Effect

Notices are deemed received: Email — 24 hours after sending (if not returned as undeliverable). Post — 5 business days after mailing.

18. No Waiver

Failure by AOC to enforce any provision of these Terms does not waive the right to enforce it later. Any waiver must be in writing and signed by an authorized representative of AOC.

19. Assignment

19.1 Your Rights

You may not assign or transfer your rights under these Terms without our prior written consent. Any attempted assignment without consent is void.

19.2 Our Rights

AOC may assign these Terms to any successor entity, affiliate, or purchaser of the business without your consent. We will notify you of any such assignment.

20. Relationship of Parties

Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and AOC. You have no authority to bind AOC or create obligations on our behalf.

21. Third-Party Rights

21.1 General

These Terms are for the benefit of you and AOC only. No third party has the right to enforce any provision of these Terms.

21.2 UK Exception

For UK consumers: The Contracts (Rights of Third Parties) Act 1999 does not apply to these Terms except where expressly stated.

22. Electronic Communications

22.1 Consent

By accepting these Terms, you consent to receive communications from us electronically, including transactional emails, service updates, legal notices, and marketing communications (if you opt in).

22.2 Electronic Signatures

You agree that electronic signatures, contracts, and records have the same legal effect as their paper equivalents.

22.3 UK/EU Exception

For UK/EU consumers, this does not affect your right to receive certain communications in paper form if required by law.

23. Language

23.1 English Version Controls

These Terms are drafted in English. If translated into other languages, the English version controls in case of any conflict or ambiguity.

23.2 Understanding Confirmation

By accepting these Terms, you confirm that you understand English sufficiently to comprehend these Terms or have arranged for adequate translation.

24. Contact Information

24.1 General Inquiries

Email: support@theartofcrypto.co

24.2 Legal / Privacy Matters

Email: support@theartofcrypto.co
Subject Line: "LEGAL INQUIRY" or "PRIVACY REQUEST"

24.3 Refunds

Email: support@theartofcrypto.co
Subject Line: "REFUND REQUEST"

24.4 Business Address

AOC SDN BHD
7-2, Plaza Danau 2, Jalan 2/109F
Taman Danau Desa, 58100 Kuala Lumpur, Malaysia