Policies, Disclosures, & Disclaimers:

By studying, purchasing, viewing, or using any course, lesson, material, educational service, or this site itself, indicates that you have fully read and agree to the terms below. If you do not agree to the terms set forth below, exit this site immediately.

We reserve the right to make changes to any policy, disclosure, or disclaimer, at anytime, without any notice to you.

Disclaimer: 

The prices quoted for video courses, namely the "10 Hour Trading Mastery Course" also known as the "10 Hour Course", or the "10 Hour Video Course", or the "10 Hour Trading Mastery Video Course", or the "Trading Mastery Course", or the "Trading Mastery Bundle", or the "Trading Mastery Bundle Monthly" do not include any personal mentorship, personal communication, or personal response in any form (video calls, written communication, or phone communication) from, or with any of the instructors or Finance And Chocolate. While the instructors and Finance And Chocolate are usually readily available and willing to contact you to help with your trading education, you fully understand that they are not required to do so and you are not entitled to any communication from Finance And Chocolate or any of its instructors. The instructors will do their best to assist in your trading education through personal contact, like video calls, written communication, or phone communication, but Finance And Chocolate and its instructors are in no way required to do so. Video courses purchased from Finance And Chocolate and its instructors are absolutely and unequivocally do-it-yourself courses and are designed for you to learn independently. As such, when you purchase a course from Finance And Chocolate or its instructors, you understand that, while everyone at Finance And Chocolate wants to help and is willing to help through personal communication, you are not paying for this service and as such, you are not entitled to it. If you are granted personal communication in any form, you fully understand that this the choice of Finance And Chocolate or its instructors, that it is free value provided by Finance And Chocolate or its instructors, and that it should be treated as a free bonus given at the discretion of Finance And Chocolate or its instructors, and that it is not included in the price of any video course.    

The courses, material, lessons, or anything else provided or sold are to help individuals plan and get ready for trading securities. They show only our opinions on what should be done before and during trading. These courses, material, lessons, Finance and Chocolate, its owners, or its instructors do not guarantee success and will not be held liable for any trading decisions, investment decisions, or financial loss that occurs in result of your activities in any financial market or any other activity. The courses, material, or lessons show our opinions only, and should be followed at one’s own risk. Any activity taken in financial markets, including trading stocks and other assets, is inherently risky, and the user of the courses, material, lessons, or any other product or service we offer assumes all risks and liabilities regarding trading or any other actions taken. Any communication in any form from Derek I. Polasek, Finance And Chocolate, or any of its instructors is solely an opinion. There is no guarantee of your success in the financial markets. Any actions taken, financial or otherwise, will be at your own discretion and at your own risk. Derek I. Polasek, Finance And Chocolate, and any of its instructors will not be held liable for anything. 

This is for informational purposes only, as Derek I. Polasek, Finance And Chocolate, and any of its instructors are not registered as securities broker-dealer{s) or any type of investment advisers. The purpose of the courses material, lessons, or other educational service is to expand one's knowledge about financial markets. No information herein is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund.

When trades are talked about, by Finance And Chocolate, its owners, or anyone else, they may have taken place on a live account, or on a simulated account, or may have not been taken at all. All trades, either past, present, or future, should be considered examples only and nothing else. There is no guarantee that a live trade has been placed when it is being discussed. If trades, results, student results, profits, or student profits were presented to you prior to your purchase, such results or profits should be viewed as not typical, and do not represent likely results or profits, if any, that you will make through your involvement. Those results, student results, profits, or student profits may have been taken on a live account, a simulated account, or may have not been taken at all. All results, student results, profits, or student profits, either past, present, or future, should be considered examples only and nothing else. You understand that trading, investing, or anything else talked about, are inherently risky, and you may lose substantial amounts of money. You understand and accept that you will not hold Finance And Chocolate, its owners, its instructors, or anyone else associated with Finance And Chocolate liable in any way whatsoever for any outcome. You understand that all risk, liability, and responsibility is yours and yours alone. 

Affiliate Disclosure:

Finance And Chocolate, its owners, or its instructors, may be compensated when you purchase a product or service, by your clicking on links posted on this website.  

Refund Policy: 

This website sells knowledge. The videos, courses, written material, or one on one lessons are simply the vehicles used to deliver that knowledge from the website to the client. Due to the nature of the content on this website, being that it is based in intangible knowledge, opinions, thoughts, and ideas, which, once received, are not returnable, there are no refunds of any kind. Unlike a typical store where a physical good can be returned and that physical good can then be transferred back into the inventories of the store, knowledge, once transferred from one mind to another, cannot be returned. Due to this, once that knowledge, in whichever form, has been purchased, the fees associated with this transfer of knowledge are non refundable.

Advertising Disclosure:

Finance And Chocolate, its owners, or its instructors, may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.

License for Usage:

Any course, material, or lesson that you purchase or receive in some manner, is for personal learning and personal use. Any unauthorized distribution, selling, sharing, or copying of any course, material, or lesson is strictly prohibited by Finance and Chocolate and will be met with severe legal action. This material reflects the opinions of Finance and Chocolate and its instructors. While instructors have experience and education in regard to finance and securities markets, this material only reflects opinions based on that experience and education. The user of this material is fully responsible for any actions taken, or trades placed before, during, or after viewing any course, material, or lesson. Any losses, financial or otherwise, are the responsibility of the user. Finance and Chocolate, its owners, its instructors, and its writers will not be held responsible or liable for any outcomes that take place before, during, or after the use of any course, material, lesson, product, or service.

EVERYTHING ON THIS SITE IS AN OPINION AND NOTHING ON THIS SITE IS FINANCIAL ADVICE.

EVERYTHING ON THIS SITE IS FOR INFORMATIONAL PURPOSES ONLY.

EVERYTHING FROM FINANCE AND CHOCOLATE OR ITS OWNERS IS AN OPINION AND NOTHING FROM FINANCE AND CHOCOLATE OR ITS OWNERS IS FINANCIAL ADVICE.

EVERYTHING FROM FINANCE AND CHOCOLATE OR ITS OWNERS IS FOR INFORMATIONAL PURPOSES ONLY.