Legal Disclaimer

1. Non-Financial Services and Non-Investment Advisory Services

1.1 No Financial or Investment Advice

Pipster.io and its services do not provide financial advice, investment advice, or any form of financial consulting services of any kind. The information, data analytics, tools, technologies, reports, or any other content provided by Pipster.io through the Website or otherwise (the "Services") must not be construed, interpreted, or relied upon as:

• Financial advice or guidance
• Investment recommendations or suggestions
• Advice on the purchase, sale, or holding of any financial instruments, securities, or assets
• Brokerage services or intermediary services
• Asset management services
• Trading instructions or signals
• Forecasts or predictions of market performance
• Tax advice or legal counsel

1.2 Technology and Data Analytics Services Only

Pipster.io provides exclusively technology-based services, which may include data analytics, market data provision, software tools, dashboards, informational platforms, educational materials, simulated trading environments, and related IT-enabled services designed to support users in their own independent research and decision-making processes. These services are provided for informational and educational purposes only and are not regulated financial services. All activities on our platform are conducted in a simulated environment using virtual data feeds, and no real funds, assets, or trades are involved.

1.3 Personal Responsibility and Independent Decision-Making

All decisions to engage in trading, investing, or any other financial activity based on information or tools accessed through Pipster.io are entirely your own personal decisions and your sole responsibility. We do not accept fiduciary duty or responsibility to any user. You must conduct your own independent due diligence and seek professional financial, legal, or tax advice from qualified professionals if you require guidance on any financial matter.

2. No Authorisation as a Financial Services Provider

2.1 Regulatory Status

Pipster.io is not authorised or regulated by any financial services regulator. Pipster.io does not hold or require any financial services licence or authorisation to provide the Services, as such Services do not constitute regulated financial activities under UK law or any equivalent international regulations.

2.2 No Real Trading or Live Account Services

Pipster.io does not:

• Execute live trades on behalf of users
• Manage real money or assets
• Provide access to real financial markets
• Offer live funded trading accounts
• Act as a broker, dealer, or counterparty to any financial transactions
• Receive, hold, or manage customer funds or financial assets
• Provide custody services or prime brokerage services

The "funds" or capital provided in any simulated trading or evaluation accounts are entirely virtual and simulated. They do not represent real currency, assets, or monetary value. Users have no ownership, title, or right to possess, withdraw, transfer, or claim these simulated funds beyond their limited use within the trading portal solely for the purpose of evaluation, testing, or educational activities as per the terms of service. All profits, losses, or outcomes in the simulated environment are hypothetical and do not confer any real financial benefits or obligations.

3. Exclusion of Gambling and Betting Activities

3.1 Non-Gambling Services

Pipster.io's Services do not constitute gambling, betting, or gaming activities as defined under UK law or any related legislation and statutory instruments. The Services are not designed to simulate, facilitate, or replace gambling or betting activities. Pipster.io does not require, hold, or operate under any gambling or betting licence, permit, or registration with any gambling regulator in the United Kingdom or internationally.

3.2 Technology Platform - Not a Gaming Platform

The Website and Services are technology platforms providing data, analytics, and software tools for informational purposes. Users should not engage with the Services if they seek gambling or betting experiences, and any such use would be contrary to the intended purpose of the Services. Our services do not involve any form of betting, wagering, or chance-based outcomes that could be interpreted as gaming activities. They are not intended to simulate or engage in real-world risk-taking for monetary gain and operate solely as technology-driven tools for informational and developmental purposes.

4. Risk Disclosures and Limitations

4.1 No Guarantee of Outcomes

The Services, including any data, analytics, tools, or information provided, are provided "as is" without warranty of any kind. We do not:

• Guarantee the accuracy, completeness, timeliness, or reliability of any information or data
• Warrant that the Services will be uninterrupted, error-free, or free from viruses or other harmful components
• Guarantee any particular outcome, result, or profit from the use of the Services
• Guarantee that the Services will meet your specific requirements or expectations
• Represent that information derived from the Services will enable you to make profitable financial decisions

4.2 Past Performance Disclaimers

Any historical data, past performance metrics, backtested results, or historical information provided by Pipster.io is presented for informational purposes only. Past performance is not indicative of future results. Historical data does not guarantee or suggest any likelihood of comparable future performance. Users should not assume that future performance will replicate historical performance.

4.3 Simulated or Hypothetical Results

If Pipster.io provides simulated, hypothetical, or backtest results, such results are fictitious in nature and do not represent actual trading or investment outcomes. Simulated results often do not account for the impact of market factors such as:

• Liquidity constraints
• Slippage and execution delays
• Market impact costs
• Trading commissions and fees
• Regulatory restrictions
• Real-world market frictions
• Psychological factors affecting live trading

Actual results, if any, may differ materially and could result in substantial losses.

4.4 User Assumes All Risks

By using the Services, you acknowledge and accept that:

• You assume full and complete responsibility and risk for any decisions or actions taken in reliance upon the Services
• You may lose money or incur financial losses from the use of the Services
• Financial markets are subject to significant volatility and risk
• No financial service or tool can eliminate market risk
• Leverage and margin trading, if applicable, amplify both gains and losses
• You have the financial capacity to bear any potential losses

We accept no responsibility, liability, or obligation for any losses, financial harm, or adverse consequences arising from your use of the Services or reliance on any information provided. If any data, tools, or simulations provided could potentially be applied in trading or financial contexts by users: Past performance or simulated results are not indicative of future results and do not guarantee any outcomes. Users assume all risks associated with their use of the services, including any potential financial losses incurred outside of our platform based on interpretations of the data or tools provided. We strongly recommend that users seek independent professional advice before applying any insights from our services in real-world scenarios.

5. Limitations of Liability and Indemnification

5.1 Disclaimer of Warranties

To the maximum extent permitted by applicable UK law, Pipster.io and its officers, employees, agents, and representatives disclaim all warranties, express or implied, including any warranty of:

• Merchantability
• Fitness for a particular purpose
• Non-infringement of intellectual property rights
• Quiet enjoyment
• Title or ownership
• Accuracy, completeness, or reliability

5.2 Limitation of Liability

Except where prohibited by law, in no event shall Pipster.io, its parent company, subsidiaries, affiliates, officers, employees, agents, or representatives be liable to you for:

• Any indirect, incidental, special, consequential, exemplary, or punitive damages
• Loss of profits, revenue, business opportunities, or goodwill
• Loss of data, files, or information
• Interruption of service or business operations
• Any damage or loss arising from your use of or inability to use the Services
• Any loss or corruption of data transmitted, processed, or stored through the Website
• Third-party claims or conduct
• Any damages arising from use of or reliance on any linked websites or third-party content

5.3 Cap on Liability

If, notwithstanding this Disclaimer, Pipster.io is found liable to you for any loss or damage, such liability shall be limited to the maximum extent permitted by applicable law, but in no case shall exceed the fees paid by the user for the specific service in question in aggregate across all claims.

5.4 Severability of Limitations

If any portion of these limitations is found to be unenforceable by a court of competent jurisdiction, the remainder shall continue in full force and effect to the maximum extent permitted by law.

6. Intellectual Property Rights

6.1 Ownership of Content

All content, software, technology, tools, data feeds, dashboards, reports, documentation, trademarks, logos, brand names, and other intellectual property located on or accessible through the Website (collectively, the "Content") are the exclusive property of Pipster.io, its licensors, or third-party content providers.

6.2 Limited Licence

Pipster.io grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Website and Services solely for your personal, non-commercial purposes, in accordance with this Disclaimer and any applicable Terms of Service.

6.3 Prohibited Uses

You must not:

• Reproduce, distribute, transmit, modify, or create derivative works of any Content
• Use any automated systems, bots, scrapers, or similar technologies to access, monitor, or download Content
• Reverse-engineer, decompile, disassemble, or attempt to derive the source code of any software
• Circumvent any security measures or authentication mechanisms
• Remove, alter, or obscure any copyright notices, proprietary notices, or attribution
• Use the Content for commercial purposes, resale, or licensing
• Frame or mirror the Website or Services
• Interfere with or disrupt the Website or Services

6.4 Infringement

Users are solely responsible for ensuring that their use of the Website and Services does not infringe third-party intellectual property rights. Pipster.io reserves the right to disable access to any Content or the Website if we receive credible notice of intellectual property infringement.

11. Cancellation, Refunds, and Returns

11.1 Refund Policy

Pipster.io maintains a comprehensive Cancellation and Refund Policy that governs all refund requests related to Challenge and Instant Funding Account purchases.

11.2 Summary of Key Refund Terms

• 14-Day Withdrawal Period: You may request a refund within 14 calendar days from your purchase date, provided you have not executed any trades on your Challenge Account and submit your request in writing to support@pipster.io.
• Refund Processing: Approved refunds are processed within 14 business days and issued to your original payment method. Clearing times vary by payment method (3-10 business days).
• Non-Refundable Scenarios: Refunds are not available for accounts on which trades have been executed, requests outside the 14-day period, completed challenges, accounts suspended for Terms of Service violations, or accounts under compliance review.
• Service Complaints: If our Services do not match what was agreed, you may notify us immediately. Pipster will resolve complaints within 30 calendar days.

11.3 Full Refund Policy Reference

For the complete Cancellation and Refund Policy, please refer to our dedicated policy available at www.pipster.io.

15. Unsupported Countries, Regions, and States

15.1 Service Availability Restrictions

Pipster.io services are subject to geographic restrictions based on regulatory, compliance, and operational requirements. Users must ensure that they are located in a jurisdiction where our services are available and permitted before creating an account or using our platform.

15.2 Unsupported Countries and Regions

The following countries and regions are not serviced (individuals from these areas can still be serviced if they reside outside the country and can provide valid documentation):

15.3 Unsupported US States and Territories

The following US States and Territories are temporarily not serviced:

• Guam
• Puerto Rico

We are actively working to expand and improve our service availability and hope to include these regions in the future.

16. Contact Information

For inquiries, complaints, or notices related to this Disclaimer, users may contact Pipster.io at:

17. Final Acknowledgement