Terms of Service

Grow Your Pile
Effective Date: September 1st, 2025

Summary (not a substitute for the full terms): Grow Your Pile provides educational market content (including model portfolios and trade alerts). We are not your investment adviser, we don’t give personalized advice, and trading—especially options—can result in substantial losses. By using our services, you agree to arbitration, a class-action waiver, and limitations on our liability.

1) Who we are & how these terms work

These Terms of Service (“Terms”) are a binding agreement between you and Sqaured T Capital LLC d/b/a Grow Your Pile, a Delaware limited liability company (“GYP,” “we,” “us,” “our”). They govern your access to and use of our websites, newsletters, posts, emails, SMS/push notifications, communities, dashboards, and any related products or services (collectively, the “Service”). If you subscribe via a third party (e.g., Substack, Stripe, Apple/Google), those providers’ terms also apply; where there’s a conflict, these Terms control as between you and GYP.

By accessing or using the Service, you confirm you are at least 18 (or the age of majority in your jurisdiction) and you accept these Terms and our Privacy Policy.

2) Educational service; not investment advice

All content—including trade alerts, model portfolios, research, market data, podcasts, posts, comments, emails, texts, and notifications (collectively, “Content”)—is for educational and informational purposes only. It does not constitute investment, financial, legal, accounting, or tax advice; not a recommendation, offer, or solicitation to buy/sell any security or strategy; and does not consider your objectives, financial situation, or needs. No fiduciary relationship is created.

We may hold positions in securities mentioned and may change them at any time without notice. Past performance is not indicative of future results. Hypothetical, backtested, or simulated results have inherent limitations and may differ from actual results.

Options risk: Options involve substantial risk and are not suitable for all investors. Review Characteristics and Risks of Standardized Options before trading.

3) No brokerage, advisory, or execution services

We are not a broker-dealer, investment adviser, commodity trading advisor, commodity pool operator, or money transmitter, and we do not custody assets or execute trades. You are solely responsible for your trading decisions, orders, compliance, taxes, and filings.

4) Accounts, access, and acceptable use

You must provide accurate registration information and keep your credentials secure. You’re responsible for all activity under your account.
You agree not to:

• Resell, share, scrape, harvest, frame, or republish Content without written consent;

• Use bots, automation, or any method to circumvent paywalls, metering, or security;

• Upload malware, attempt to reverse engineer, probe, or overload the Service;

• Post unlawful, infringing, defamatory, harassing, or misleading material; or

• Impersonate others or misrepresent affiliation.

We may suspend or terminate access for violations or risk to our Service or users.

5) Subscriptions, billing, and refunds

If you purchase a paid plan, you authorize us (or our processor) to charge the fees, taxes, and any applicable auto-renewals until you cancel. You can cancel at any time, but payments are non-refundable and no credits are provided for partial periods, except where required by law or expressly stated otherwise. Promotions/discounts may change or end without notice.

If you subscribe through Substack or an app store, their billing, renewal, and refund rules may apply.

6) Communications & consent

By using the Service, you consent to receive emails, in-app notifications, and (if you opt in) SMS or push messages. Message/data rates may apply. You can opt out as described in each message (e.g., “STOP” for SMS) or in your account settings. Operational messages (e.g., receipts, critical updates) may still be sent.

7) Market data, third-party links & tools

Any quotes, charts, news, data, or links are provided “as is” for convenience and may be delayed, inaccurate, or incomplete. Third-party tools, feeds, and integrations are subject to their own terms and privacy policies; we’re not responsible for them.

8) Intellectual property; your license

All Content and the Service are owned by GYP or our licensors and protected by IP laws. We grant you a limited, revocable, non-transferable, non-exclusive license to access the Service for personal, non-commercial use only during your active subscription. Any other use (including redistribution to forums, Discords, newsletters, or group chats) requires prior written permission.

If you submit comments or feedback, you grant us a perpetual, worldwide, royalty-free license to use and display them (with or without attribution) in any medium.

9) Disclaimers

THE SERVICE AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AVAILABILITY, ACCURACY, OR RELIABILITY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

10) Limitations of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GYP, ITS OWNERS (INCLUDING TonyB & TonyR), EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR LOST-PROFIT DAMAGES, OR FOR TRADING LOSSES, DATA LOSS, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS IN ANY 12-MONTH PERIOD SHALL NOT EXCEED THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THAT PERIOD (OR $100 IF NONE). SOME JURISDICTIONS DO NOT ALLOW THESE LIMITS; IN SUCH CASES, THEY APPLY TO THE FULLEST EXTENT PERMITTED.

11) Indemnification

You agree to defend, indemnify, and hold harmless GYP and its affiliates, owners, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use or misuse of the Service or Content; (b) your trading decisions; (c) your violation of these Terms or applicable law; or (d) your content or feedback.

12) Compliance, sanctions & export

You represent you are not located in, under control of, or a national/resident of any country or entity subject to U.S. sanctions, and that you will comply with all applicable laws (including securities, CFTC/FINRA/SEC rules, anti-market-manipulation, and export controls).

13) Testimonials & forward-looking statements

User testimonials or case studies reflect individual experiences and are not typical; results vary. Any forward-looking statements are uncertain and subject to risks and assumptions; actual results may differ.

14) Termination

You may stop using the Service at any time. We may suspend or terminate access (immediately or on notice) for any reason, including suspected violation of these Terms or risk to the Service. Sections that by nature should survive (e.g., IP, disclaimers, liability limits, arbitration) survive termination.

15) Dispute resolution; arbitration; class waiver (Delaware)

PLEASE READ CAREFULLY. You and GYP agree to binding arbitration of all disputes, claims, or controversies arising out of or relating to these Terms or the Service that cannot be resolved informally, except you may pursue individual claims in Delaware small-claims court if they qualify.

• Arbitrator & Rules: Arbitration shall be administered by [JAMS or AAA] under its applicable rules.

• Venue & Law: The seat and venue of arbitration is the State of Delaware. These Terms and any dispute are governed by the laws of the State of Delaware, without regard to its conflicts-of-law rules.

• Class Action Waiver: No class, collective, consolidated, or representative proceedings. You and GYP may bring claims only in your or its individual capacity.

• Jury Waiver: To the extent any dispute is litigated in court, you waive a jury trial.

• Opt-out: You may opt out of arbitration within 30 days of first acceptance of these Terms by sending written notice to legal@growyourpile.com with subject “Arbitration Opt-Out,” including your full name and the email associated with your account.

16) Force majeure

We are not liable for delays or failures due to events beyond our reasonable control, including market halts, power/internet failures, cyberattacks, acts of God, labor disputes, governmental actions, or platform outages.

17) Changes to the Service or Terms

We may modify the Service or these Terms at any time. Material changes will be posted with an updated Effective Date. Your continued use after changes constitutes acceptance. If you do not agree, stop using the Service and cancel your subscription.

18) Privacy

Our collection and use of personal data is described in our Privacy Policy, which is incorporated by reference.

19) Contact

Grow Your Pile
Legal Entity: Sqaured T Capital LLC d/b/a Grow Your Pile
Address: 850 New Burton Rd, Suite 201, Dover, DE 19904
Email: support@growyourpile.com | Legal: legal@growyourpile.com

20) Entire agreement; severability; assignment

These Terms (plus any order form and Privacy Policy) are the entire agreement between you and GYP and supersede all prior understandings. If any provision is found unenforceable, it will be modified to the minimum extent necessary or severed, and the remainder will continue in effect. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

Acknowledgment

By accessing or using the Service, you acknowledge that you have read, understood, and agreed to these Terms, including the arbitration and class-action waiver provisions.