Terms of Service

Last updated: November 14, 2026

These Terms of Service (the “Terms”) govern your access to and use of the Monarx website at https://monarxhub.com, the Monarx web application and all related services (together, the “Service”), operated by Monarx (“Monarx,” “we,” “us” or “our”). By creating an account, purchasing a subscription or course, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Educational service only

Monarx is an educational and simulation platform. All content, tools, courses, scores, certificates and communications on the Service, including content produced by independent creators and responses from our AI coach, are provided for general educational and informational purposes only.

Nothing on the Service constitutes financial, investment, tax, legal or other professional advice, or a recommendation or solicitation to buy, sell or hold any security, futures contract, currency, digital asset or other financial instrument. Monarx is not a registered broker-dealer, investment adviser or commodity trading advisor. You are solely responsible for your own trading and investment decisions.

2. Simulated trading and risk disclosure

All trading on the Service is paper trading using simulated funds. Charts, replays, drills, challenges and backtests use historical or simulated market data. Simulated and hypothetical results have inherent limitations: they do not reflect actual trading, commissions, slippage, liquidity or the financial and emotional pressure of real trading. Past or simulated performance is not indicative of future results.

Trading in financial markets involves substantial risk of loss and is not suitable for everyone. Challenge passes, certificates, leaderboards and track records reflect performance in a simulated environment only and are not evidence of any ability to trade profitably with real money.

3. Eligibility and accounts

You must be at least 18 years old and able to form a binding contract to use the Service. You agree to provide accurate and complete registration information, to keep your password confidential and to notify us promptly of any unauthorized use of your account. Each account is for one individual and may not be shared or transferred. You are responsible for all activity that occurs under your account.

4. Subscriptions, billing and renewals

Certain features require a paid subscription (“Pro” or “Elite”). Prices and plan features are displayed on our pricing page at the time of purchase. Payments are processed by our payment processor, Stripe, Inc., and are subject to Stripe’s terms. We do not store your full card details.

Subscriptions renew automatically at the end of each billing period (monthly or yearly) at the then-current price, using the payment method on file, until canceled. You may cancel at any time from your account’s billing settings; cancellation takes effect at the end of the current billing period, and you will keep access until then. If you change plans, any price difference is prorated by Stripe. We may change subscription prices with advance notice; a price change takes effect at your next renewal after the notice.

Applicable taxes may be added to your purchase. Refunds are governed by our Refund Policy.

5. Course marketplace

The Service includes a marketplace where independent instructors (“Creators”) offer courses. Creators are independent third parties and not employees or agents of Monarx. Creators are solely responsible for their courses; Monarx reviews courses before publication against our content rules but does not endorse or guarantee any course, Creator or opinion expressed in it.

When you purchase a course, you receive a personal, non-transferable, non-exclusive license to access it through the Service for as long as the course and your account remain available. If a Creator unpublishes a course, students who purchased it keep access. If you believe a course is misleading or violates these Terms, use “Report this course” on its page or contact us.

6. Creators

If you publish courses on Monarx, you also agree to the Creator Agreement available in the Service, which describes revenue sharing, payouts through Stripe Connect and content rules. Creators must not make guaranteed-profit or “risk-free” claims, misrepresent results, or present paid trading signals as education.

7. Acceptable use

You agree not to: (a) use the Service for any unlawful purpose; (b) cheat, manipulate scores, leaderboards or challenge results, or create multiple accounts to obtain rewards or trials; (c) scrape, copy, resell or redistribute the Service, its market data or any course content; (d) reverse-engineer, interfere with, overload or attempt to gain unauthorized access to the Service or its systems; (e) upload content that is unlawful, infringing, harassing, deceptive or harmful; or (f) harass or impersonate any person.

8. User content

You retain ownership of content you submit, such as reviews, comments, journal entries and courses. You grant Monarx a worldwide, non-exclusive, royalty-free license to host, store, display and process that content as needed to operate and promote the Service. You represent that you have the rights to the content you submit. We may remove content that violates these Terms.

9. Intellectual property

The Service, including its software, design, text, graphics, lessons and trademarks, is owned by Monarx or its licensors and is protected by intellectual property laws. Except for the limited rights expressly granted in these Terms, no rights are transferred to you.

10. Third-party services

The Service relies on third-party providers, including hosting, market data, email, AI and payment providers. Market data may be delayed, incomplete or simulated and is provided without warranty. We are not responsible for third-party services, websites or content.

11. Suspension and termination

You may stop using the Service and delete your account at any time from Settings. We may suspend or terminate your access, with or without notice, if you breach these Terms, if required by law, or to protect the Service or other users. Sections that by their nature should survive termination will survive, including sections 1, 2, 8, 9 and 12 through 15.

12. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT ANY CONTENT OR DATA IS ACCURATE OR COMPLETE.

13. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MONARX WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY TRADING OR INVESTMENT LOSSES, LOST PROFITS OR LOST DATA, ARISING OUT OF OR RELATED TO THE SERVICE, INCLUDING ANY DECISION YOU MAKE BASED ON CONTENT FROM THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID MONARX IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

14. Indemnification

You agree to indemnify and hold harmless Monarx from any claims, losses and expenses (including reasonable attorneys’ fees) arising out of your use of the Service, your content or your breach of these Terms.

15. General

These Terms, together with our Privacy Policy, Refund Policy and, for Creators, the Creator Agreement, form the entire agreement between you and Monarx regarding the Service. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent.

16. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you through the Service or by email and may ask you to accept the updated Terms before continuing to use the Service. The “Last updated” date above shows when these Terms were last revised.

17. Contact

Questions about these Terms can be sent to us by email at MonarxHub@gmail.com.

Paper trading and education only. Not financial advice. Trading involves risk of loss.