Terms of Service

Welcome to Quietly Smart. These Terms of Service ("Terms") govern your use of quietlysmart.org and its sub-brands, including Market Decoded and The AI Shortcut (collectively, the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

I.Acceptance of Terms

By visiting our website, signing up for our newsletter, downloading materials, or otherwise interacting with our content, you confirm that you are at least 18 years old (or have permission from a parent or legal guardian) and that you accept these Terms in full.

II.The Service

Quietly Smart provides educational content on trading, financial markets, artificial intelligence, and related topics through:

• Free articles, videos, and downloadable guides
• Email newsletters
• Paid courses (when launched)
• Other content offerings as we develop them

All content is for educational and informational purposes only. We reserve the right to modify, suspend, or discontinue any part of the Site at any time without notice.

III.Risk Disclosure — Trading & Financial Content

Content on Market Decoded and elsewhere on this Site that discusses markets, trading, or finance is presented as education and personal opinion only. Specifically:

• Nothing on this Site constitutes financial, investment, tax, legal, or trading advice.
• We are not a registered investment advisor, broker-dealer, or financial professional.
• Past performance, hypothetical results, and historical examples are not indicative of future results.
• Any trades or strategies mentioned are illustrative — they are not recommendations to buy, sell, or hold any specific security or instrument.
• You are solely responsible for your own trading and investment decisions.
• You should consult a licensed financial advisor before making any financial decisions.

For the full risk disclosure, see our Disclaimer page.

IV.Intellectual Property

All content on this Site — including text, graphics, logos, video, audio, downloads, and code — is the property of Quietly Smart or its content creators and is protected by copyright and other intellectual property laws.

You may:

• View and read content for personal, non-commercial use
• Share links to our public pages on social media
• Quote brief excerpts with proper attribution and a link back to the source

You may not:

• Reproduce, copy, or republish substantial portions of content without written permission
• Use our content to train AI models, scrape, or otherwise harvest data
• Repackage, resell, or redistribute paid course materials
• Use our brand names, logos, or trademarks without permission

V.User Conduct

When using this Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any laws
• Attempt to gain unauthorized access to systems, servers, or accounts
• Interfere with, disrupt, or harm the Site or its users
• Submit false, misleading, or harmful information through any forms
• Impersonate another person or entity

VI.Third-Party Links

Our Site may contain links to third-party websites, including YouTube, Instagram, Facebook, and others. We are not responsible for the content, privacy practices, or terms of those external sites. Visiting those links is at your own risk.

VII.Disclaimer of Warranties

The Site and all content are provided "as is" and "as available" without warranties of any kind, express or implied. We make no warranties or representations about the accuracy, reliability, completeness, or timeliness of any content, and we disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement.

VIII.Limitation of Liability

To the fullest extent permitted by law, Quietly Smart and its creators, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to financial losses, lost profits, lost data, or business interruption — arising out of or in connection with your use of the Site or its content.

You acknowledge and agree that any decisions you make based on information found on this Site are made at your own risk and your own responsibility.

IX.Indemnification

You agree to indemnify and hold harmless Quietly Smart, its creators, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your violation of these Terms, your misuse of the Site, or your violation of the rights of any third party.

X.Modifications to Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Material changes will be communicated via email if you are subscribed. Your continued use of the Site after changes are posted constitutes your acceptance of the new Terms.

XI.Governing Law

These Terms are governed by and construed in accordance with the laws of the United States, without regard to conflict-of-law principles. Any disputes arising from these Terms or your use of the Site shall be resolved in courts located in the United States.

XII.Contact

If you have questions about these Terms, please contact us at contact@quietlysmart.org.