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Terms and Conditions of MPL.AI

By using any of our Services (even just browsing one of our websites), you’re agreeing to the following Terms and Conditions. If you don’t agree with the Terms, you may not use our Services.

These Terms and Conditions of Service and Use of MPL.AI (the “Terms and Conditions“) are hereby made effective as of Jan 1, 20201 by MPL.AI Corporation, a Florida corporation (“MPL.AI” or “we” or “us” or “our“), and, without waiving or otherwise releasing any right or obligation under any prior terms and conditions of the use of MPL.AI, hereby amend and restate any such prior terms and conditions.

  • MPL.AI, and all related content, materials, technologies and services (collectively, the “Site“) is an online resource related to the trading of securities that provides its customers and members with interactive chat rooms, trading, investment and research tools and simulators, and educational classes, materials and resources for use by customers and members in connection with their trading activities. “Securities” as used herein and for the purposes of these Terms and Conditions, shall include but not be limited to, money, securities, commodities and other investments of every kind and nature and all contracts and options relating thereto, whether for present or future delivery.
  • In consideration of each member or customer’s (each, a “customer” or “you“) access to and use of the Site, we require every members and customer to act with integrity, to our rules for the Site, and to abide by these Terms and Conditions and each other rule, regulation or other policy of MPL.AI.

You agree to read these Terms and Conditions carefully and retain them for future reference. You understand, acknowledge and agree that these Terms and Conditions govern all aspects of my use of the Site and the products and services of MPL.AI. By clicking “I AGREE” and/or using or accessing the Site, you acknowledge that you have received, read and understood these Terms and Conditions and the Privacy Policy of MPL.AI. If you are unwilling to be bound by these Terms and Conditions, you will not click “I AGREE” and/or use or access the. YOU UNDERSTAND, ACKNOWLEDGE AND AGREE THAT CLICKING “I AGREE” IS THE LEGAL EQUIVALENT OF YOU MANUALLY SIGNING THESE TERMS AND CONDITIONS, AND THAT YOU WILL BE LEGALLY BOUND BY THESE TERMS AND CONDITIONS.

  1. General Terms
    1. By clicking “I AGREE” and/or using or accessing the Site, you thereby agree, (a) that you have received, read and understood these Terms and Conditions, and that these Terms and Conditions create a valid and binding agreement, enforceable against you in accordance with the terms hereof, (b) to be bound by these Terms and Conditions, any terms, conditions or other rules, regulations or policies of MPL.AI, as each may be amended or supplemented from time to time in our sole discretion without notice, and (c) that your use of the Site shall comply with all applicable federal, state and local laws, rules or regulations, and that you are solely responsible for your compliance with, familiarity with and understanding of any such laws, rules or regulations applicable to your use of the Site. If you do not agree with any portion of these Terms and Conditions, you are prohibited from using or accessing the Site.
    2. Additionally, and without limiting the foregoing, by using or accessing the Site, you represent and warrant to us that you: (a) are eighteen (18) years of age or older, (b) are not currently restricted from using the Site, or not otherwise prohibited from having an account with us, (c) are not a competitor of MPL.AI, or engaged in any business or activity, directly or indirectly, that could be competitive with the business or activities of MPL.AI, and are not using the Site for any reason that may be in competition with the Site or any other product or service offered by MPL.AI, (d) have full power and authority to enter into and perform these Terms and Conditions, and doing so will not violate any other agreement to which you are a party, (e) will not violate any rights of MPL.AI, including, without limitation, intellectual property rights such as patent, copyright or trademark rights, and (f) agree to provide, operate and maintain, at your sole risk, cost and expense, all equipment, software, and internet access necessary to use the Site.
    3. Without limiting the generality of the foregoing or any other provision hereof, you acknowledge and agree, as follows:
      1. That the content, materials, services and other intellectual property contained or embodied in the Site are owned by MPL.AI Corporation and are protected by patent, copyright, trademark and other similar laws;
      2. Not to promote, offer for sale or sell any product or service, including, without limitation, any financial or investment product, security or service, or any contest or promotion;
      3. Not to transmit, send or otherwise post unauthorized commercial communications (such as spam), or other similar materials or advertisements, using the Site;
      4. Not to access the Site using any automated means, including, without limitation, harvesting bots, robots, spiders, or scrapers;
      5. Not to engage in multi-level marketing using the Site, including, without limitation, pyramid schemes and similar marketing concepts;
      6. Not to upload, use or disseminate viruses or other malicious code or other abusive scripts or processes;
      7. Not to solicit login, account or other personal information of another person or request or obtain access to an account of another person;
      8. Not to bully, intimidate, or harass any person;
      9. Not to post content that is hateful, threatening, or pornographic, incites violence, or contains nudity, graphic material, gratuitous violence or anything else found to be objectionable by MPL.AI in its sole discretion;
      10. Not to use the Site in any manner that is, or could reasonably be construed to be, unlawful, including, without limitation, in violation of any law, rule or regulation related to securities or investments, or any rules or regulations promulgated by the U.S. Securities and Exchange Commission, and/or rules of any national or other securities exchange and any regulations or other pronouncements having the force of law;
      11. Not to use the Site in any manner that is, or could reasonably be construed to be, in violation of these Terms and Conditions, fraudulent, misleading, malicious or discriminatory;
      12. Not to take any action that could disable, overburden, or impair the operation or availability of the Site, such as a denial of service attack;
      13. Not to engage in manipulative practices designed to obfuscate the true intent of your submissions to the Site, or to artificially generate traffic to another website;
      14. Not to facilitate or encourage any violations of these Terms and Conditions;
      15. Not to post or make any defamatory, disparaging or false statements, claims or allegations related to the Site, MPL.AI, or any other product or service of MPL.AI;
      16. Not to make your account or any portion thereof or the services provided thereby available to the general public or any portion thereof;
      17. Not to issue chargeback disputes against MPL.AI.
      18. Not to use patented, copyrighted, trademarked or other protected intellectual property without the written consent and authorization of the owner of such property;
      19. Not to copy, distribute or disseminate the Site or any portion thereof, and not to transfer the Site, or any portion thereof, to another person or “mirror” the Site, or any portion thereof, on any other server;
      20. Not to decompile or reverse engineer, or attempt to decompile or reverse engineer, the Site or any portion thereof; and
      21. Not to take any other action that could result in any damage or disruption to the Site, or that could otherwise result in any liability, damages, costs or expenses on the part of MPL.AI.
      22. Not to share personal information with members, or request personal information from members.
    4. All content, materials and services related to the Site shall be solely used for, and you hereby agree to solely use it for, your own personal use in connection with your trading activities, and for no other use.
    5. Violating any of the aforementioned will result in immediate removal from MPL.AI and forfeits your right to request a refund.
  2. Ownership; Limited License
    1. By becoming a customer of MPL.AI and using the Site, MPL.AI hereby grants to you a limited revocable license to use the Site, and its content, materials, technologies and services, solely for your personal use and for the purposes set forth on the Site, and subject to these Terms and Conditions and all other rules, regulations and policies imposed or adopted by MPL.AI in connection with the Site, which may be amended by MPL.AI at any time in its sole discretion and without notice. Such limited revocable license is freely revocable and terminable by MPL.AI at any time, without cause and in the sole discretion of MPL.AI. Without limiting the foregoing, this limited revocable license shall automatically be revoked and terminated upon any violation of these Terms and Conditions or any other rule, regulation or policy of MPL.AI. Upon revocation or termination of this limited revocable license, you shall, and hereby agree to, destroy any materials (electronic or otherwise) related to the Site that remain in your possession or control, and acknowledge that after such revocation or termination MPL.AI may deny your access to the Site and any other MPL.AI content, materials or services in its sole discretion. Any personal information of a user whose limited revocable license is revoked or terminated by MPL.AI will be preserved or disposed of in accordance with the terms of the Privacy Policy of MPL.AI. Any information you submit to MPL.AI is at your own risk of loss, and MPL.AI assumes no liability or responsibility therefor.
    2. MPL.AI reserves all rights not expressly granted in these Terms and Conditions, including, without limitation, title, ownership, intellectual property rights, and all other right, title and interest in and to the Site, the products and services of MPL.AI, and all related content, materials, services, and other documents, information or items, including any copies or derivative works thereof. You acknowledge and agree that the Site, the products and services of MPL.AI, and all related content, materials, services, and other documents, information or items, including any copies or derivative works thereof, is owned by MPL.AI, and is protected by copyright, trademark and other intellectual property laws. You further acknowledge and agree that the Site, the products and services of MPL.AI, and related content, materials, services, and other documents, information or items, including any copies or derivative works thereof, contains certain proprietary data and information of MPL.AI, that you will not use this data or information for any unlawful or unauthorized purpose, and that you will use reasonable efforts to protect them from illicit distribution or use.
    3. Additionally, you grant MPL.AI an exclusive, irrevocable, worldwide, perpetual, unlimited, freely assignable and sublicenseable, fully paid up and royalty-free right to use, copy, prepare derivative works of, improve, distribute, publish, remove, retain, add, process, analyze and commercialize, in any way now known or in the future discovered, any information, content, ideas, concepts, techniques, data or suggestions submitted to the Site for the purpose of improving or modifying the Site, or any content, materials or services, or for the purpose of creating or developing new content, materials, services or product related to, arising from or ancillary or similar to the Site, without any further consent, notice and/or compensation to you or to any third parties.
  3. Consent to Utilize Audio, Video and Photography from Live Events
    1. MPL.AI may host in person events from time to time. These events may be recorded and photographed for marketing and/or the production of educational content. By attending MPL.AI events, you agree to allow MPL.AI to utilize audio, video, and photographs that you may appear in.
  4. Violation; Termination of Account
    1. MPL.AI reserves the right to investigate violations of any of these Terms and Conditions or any other policies of MPL.AI or the Site, or any other violations of any state, federal or local law, rule or regulation, and to pursue any remedy available to MPL.AI whether at law, in equity or otherwise. You hereby acknowledge and agree that MPL.AI may notify, involve and cooperate with law enforcement authorities in investigating and prosecuting users who violate these Terms and Conditions or any other policies of MPL.AI or the Site, and any other violations of any state, federal or local laws, rules or regulations. You further acknowledge and agree that MPL.AI has no obligation to, and does not, screen or monitor any users, information, materials or other content provided or made available through the Site, but has the right to do so at any time in its sole discretion. You further acknowledge and agree that MPL.AI may, in its sole discretion, remove or delete any entries, information, materials or other content, and terminate the subscription, membership or account (collectively, your “account”) of any user, that violates these Terms and Conditions or otherwise posts, submits, or disseminates content that MPL.AI finds, in its sole discretion, to be objectionable.
    2. You acknowledge and agree that MPL.AI may, in its sole discretion, cancel, suspend or terminate your account if you breach these Terms and Conditions. MPL.AI may refuse, in its sole discretion, to permit any use of the Site, and may refuse to permit any person to access or use the Site or your account for any reason at any time.
  5. Purchases and Refunds
    1. Through the Site, MPL.AI offers both individual products for sale and subscription, membership or other periodic fee-based services. For individual products purchased through the Site, a valid credit card will be required to complete the purchase and the amount of the purchase will be charged to the credit card concurrently with the completion of the purchase on the Site. When you purchase an individual product, you will receive a streaming or digital version; no physical copies of products or other materials will be shipped or provided to you.
    2. When purchasing subscription, membership or other periodic fee-based services on the Site, a valid credit card will be required for billing purposes. You hereby consent to, acknowledge and allow MPL.AI to store (or cause a third party to store on behalf of MPL.AI) such payment information and agree to the following policies and procedures for payment of subscription, membership or other periodic fees related to the Site.
    3. Immediately upon signing up for an account or other periodic fee-based services on the Site, the fees associated with the first period or term of your selected account or service (monthly, quarterly, annual, as applicable) will be charged to such credit card. Within ten (10) business days prior to the expiration of the initially selected period or term, and each subsequent such period or term until your account or other periodic service is cancelled in accordance with these Terms and Conditions, the fees associated with your selected account or service for the following applicable period or term will be automatically renewed, and an amount for your renewed account or service will be billed and charged to such credit card by MPL.AI in accordance with the Site’s then-current pricing schedule. If the credit card associated with your account or service should expire, terminate or any payment is otherwise rejected by the issuing company, MPL.AI may immediately terminate your account or service. It is solely your responsibility to ensure (1) that valid credit card information remains on file for your account or service and the automatic renewal thereof, and (2) that a valid email address remains on file for your account or service for any communications from MPL.AI related thereto.
    4. All payments made to MPL.AI in connection with any product purchased or account or service, and any renewal thereof, are non-refundable; and MPL.AI does not offer, and is not required to provide, any refunds or credits for any reason, including, without limitation, satisfaction or your failure to cancel your account or service prior to its automatic renewal. There is no circumstance in which you will be entitled to, or MPL.AI is required to provide, a refund or credit for any reason, including, without limitation, satisfaction or your failure to cancel your account or service prior to its automatic renewal.
    5. All fees charged by MPL.AI in connection with any product purchased or account or service of the Site are exclusive of any taxes, levies, or duties imposed by any taxing authority, and you shall be, and hereby are, responsible for the payment of all such taxes, levies, or duties arising from your purchase of products or use of the Site.
  6. Modifications to the Site and Pricing
    1. MPL.AI reserves the right to, and you acknowledge and agree that MPL.AI may, modify the Site, including without limitation the content, materials and services offered thereby, and the fees, costs and pricing associated with the Site at any time and without notice. Without limiting the generality of the foregoing, MPL.AI reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Site (or any part or portion thereof) without notice. Any new features that augment or enhance the then-current version of the Site, including the release of new tools and resources, shall be subject to these Terms and Conditions and may result, in MPL.AI’s sole discretion, to a price increase. MPL.AI shall not be liable to you, or to any third party, for any damages, costs, expenses or other liabilities related to any modification, price change, suspension or discontinuance of the Site.
    2. Without limiting the foregoing, MPL.AI may use banner notices or similar devices to alert you to certain modifications to the Site or the pricing associated therewith. Alternatively, notice may consist of an email from MPL.AI or the Site to an email address associated with your account or service, even if we have other contact information. You also agree that MPL.AI may communicate with you through any available means including email, mobile number, telephone, or delivery services, including the postal service, about your account or service or any products or services associated with the Site. You acknowledge and agree that we shall have no liability associated with or arising from your failure to maintain accurate contact or other information, including, but not limited to, your failure to receive critical information about the Site or pricing.
  7. Cancellations
    1. Your account or service may be cancelled, subject to the terms hereof, at any time; provided that, as set forth above, no refunds will be issued if your account or other periodic fee-based service is cancelled prior to the end of the applicable period or term.
    2. When you cancel, you are solely responsible for properly canceling your account or service. Your account or service may be cancelled at any time by requesting such cancellation in writing by email to team@mpl.ai, which cancellation request must receive a confirmation of receipt from MPL.AI and which cancellation will be processed by MPL.AI in accordance with its timelines and procedures for email cancellations. Cancellation requests by telephone, facsimile or other means of communication cannot, and will not, be accepted, honored or effective. The cancellation of your account or service will immediately result in the deactivation and deletion of your account or service, the denial of access to the Site and the forfeiture and relinquishment of all content and information within or related to your account or service. No data, content or information can be recovered once your account or service is cancelled, and you assume all responsibility for preserving any data, content or information on your account or service prior to its cancellation. MPL.AI may retain data, content or information from your account after cancellation in backup and/or archival copies of the Site and related databases, but such copies, if any, will not be available to you.
  8. General Disclaimer of Warranties
    1. THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITH NO WARRANTIES WHATSOEVER.
    2. MPL.AI DISCLAIMS TO THE FULLEST EXTENT PERMITTED BY LAW ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. WITHOUT LIMITING THE FOREGOING, MPL.AI DISCLAIMS ANY WARRANTIES REGARDING THE SECURITY, RELIABILITY, AVAILABILITY, SERVICE LEVELS, TIMELINESS, AND PERFORMANCE OF THE SITE; MPL.AI DISCLAIMS ALL LIABILITY FOR ANY CLAIMS, DAMAGES, LOSSES, COSTS OR EXPENSES (INCLUDING ATTORNEY’S FEES) RELATED TO THE FOLLOWING, AND DOES NOT WARRANT THAT (I) THE SITE WILL MEET YOUR SPECIFIC REQUIREMENTS, (II) THE SITE WILL BE UNINTERRUPTED, TIMELY, AVAILABLE, SECURE OR ERROR-FREE, (III) THAT ANY RESULTS MAY BE OBTAINED FROM YOUR USE OF THE SITE, OR THAT ANY DATA, CONTENT OR INFORMATION ON THE SITE IS, OR WILL BE, VALID, ACCURATE, TIMELY, ADEQUATE, COMPLETE, LEGAL OR OTHERWISE RELIABLE, (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS, OR (V) ANY ERRORS IN THE SITE WILL BE CORRECTED.
    3. MPL.AI DISCLAIMS ANY WARRANTIES FOR ANY INFORMATION, CONTENT OR ADVICE OBTAINED THROUGH THE SITE; AND, MPL.AI DISCLAIMS ANY WARRANTIES FOR SERVICES OR GOODS RECEIVED THROUGH OR ADVERTISED ON THE SITE OR RECEIVED THROUGH ANY LINKS PROVIDED BY THE SITE.
    4. YOU UNDERSTAND, ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SITE, AND ANY CONTENT, SERVICES OR OTHER INFORMATION OR MATERIALS RELATED THERETO, IS SOLELY AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY LIABILITY, CLAIM, DAMAGES, LOSS, COST OR EXPENSE, THAT RESULTS FROM OR ARISES FROM YOUR USE OF THE SITE, OR ANY CONTENT, SERVICES OR OTHER INFORMATION OR MATERIALS RELATED THERETO. YOU HEREBY EXPRESSLY DISCLAIM AND RELEASE AND WAIVE ANY LIABILITY, CLAIM, DAMAGES, LOSS, COST OR EXPENSE, RELATED TO OR ARISING FROM, THE WARRANTIES DISCLAIMED BY MPL.AI HEREBY.
  9. Disclaimers

MPL.AI EXPRESSLY DISCLAIMS AND DISCLOSES AS FOLLOWS, AND YOU HEREBY CONFIRM THAT YOU UNDERSTAND, ACKNOWLEDGE AND AGREE AS FOLLOWS, AND EXPRESSLY DISCLAIM, RELEASE AND WAIVE ANY LIABILITY, CLAIM, DAMAGES, LOSS, COST OR EXPENSE, INCONSISTENT WITH, RELATED TO OR ARISING FROM THE FOLLOWING:

    1. Your Responsibility
      1. MPL.AI is not registered as an investment adviser with the U.S. Securities and Exchange Commission. Rather, MPL.AI relies upon the “publisher’s exclusion” from the definition of “investment adviser” as provided under Section 202(a)(11) (D) of the Investment Advisers Act of 1940 and corresponding state laws. As such, MPL.AI does not offer or provide personalized investment advice. To the extent any of the content, material, information and/or any other kind of informational offering published, broadcast, or otherwise stated on this, and/or associated websites, may be deemed to be “investment advice”, such information is impersonal and not tailored to the investment needs of any specific person. The information contained within this, and/or, associated websites, is provided for informational and educational purposes only. The information should not be construed as investment or trading advice, and is not meant to be a solicitation or recommendation to buy, sell, or hold any positions in any indices or financial markets mentioned. The content and information provided by MPL.AI, the Site and the other products and services of MPL.AI, is solely incidental to the business and activities of MPL.AI in providing educational services.
      2. You remain solely responsible for all decisions regarding your purchase and sale of securities, the suitability, profitability or appropriateness for you of any security, investment, financial product, investment strategy or other matter, and all other matters related to your investments and investment strategies. MPL.AI does not and will not provide you with any legal, tax, estate planning or accounting advice, or any advice regarding the suitability, profitability or appropriateness for you of any security, investment, financial product, investment strategy or other matter. You understand, acknowledge and agree that MPL.AI employees are not authorized to give any such advice, you will neither solicit nor rely on any investment advice from any MPL.AI employee. MPL.AI recommends that persons desiring to trade or invest in securities do so cautiously and only in consultation with their professional, licensed and qualified financial, legal, tax, estate planning and accounting advisors.
      3. No data, content or information provided by MPL.AI, the Site or the other products and services of MPL.AI, is intended, and shall not constitute or be construed as, advice or any recommendation to buy or sell securities, nor any offer, or solicitation of an offer, to buy or sell securities, nor an attempt to influence the purchase or sale of any security. MPL.AI is not registered as an investment adviser either with the U.S. Securities and Exchange Commission, any other federal or national governmental or regulatory authority, or any state securities governmental or regulatory authority, and the business and activities of MPL.AI do not require any such registration.
      4. Research, Informational and Educational Purposes Only

Neither the Chat, nor MPL.AI, offers or provides personalized investment advice. All data, content and information within the Chat is impersonal and not tailored to the investment needs of any specific person. Such data, content and information is provided for research, informational and educational purposes only.

The Chat is provided to help you research and evaluate securities based on your individual criteria, sorting and inputs. Those individual criteria, sorting and inputs are controlled and entered solely by you. Use of the Chat does not indicate or guaranty any predictable, general, specific or other results. The Chat is only one of many ways that you may research and evaluate securities and you should not rely upon the Chat, or any data, content and information therein, as the sole basis for an investment decision or transaction. If you choose to rely on the Chat, or any such data, content or information, you understand, acknowledge and agree that you are doing so solely at your own risk and bear sole responsibility for your own investment research and decisions. You remain solely responsible for all decisions and transactions regarding your purchase and sale of securities, the suitability, profitability or appropriateness for you of any security, investment, financial product, investment strategy or other matter, and all other matters related to your investments and investment strategies.

MPL.AI does not and will not provide you with any legal, tax, estate planning or accounting advice, or any advice regarding the suitability, profitability or appropriateness for you of any security, investment, financial product, investment strategy or other matter. The data, content and information within the Chat should not be construed as investment or trading advice, and is not meant to be a solicitation or recommendation to buy, sell, or hold any positions in any securities or to engage in any other transaction. Such data, content and information provided by the Chat is solely incidental to our business and activities in providing educational services.

    1. Data, Content and Information
      1. No data, content or information provided by MPL.AI, the Site or the other products and services of MPL.AI, is intended, and shall not constitute or be construed as, advice or any recommendation to buy, sell or hold a particular security or pursue any particular investment strategy.
      2. MPL.AI neither assumes responsibility for, nor guarantees the accuracy, currency, completeness or usefulness of information, commentary, recommendations, advice, investment ideas or other materials that may be accessed by you through the Site or the other products or services of MPL.AI. This includes, without limitation, any forum, chatroom or other online conference, telecast or posting through MPL.AI. If you choose to rely on such information, you understand, acknowledge and agree do so solely at your own risk. You understand, acknowledge and agree that the research, analysis, news or other information made available through the Site or the other products or services of MPL.AI is not investment advice and is in no way tailored to reflect any personal financial circumstances or investment objectives and the securities and investment strategies discussed may not be suitable for you. Any determination to purchase or sell securities or otherwise invest in securities must be made solely by you after your independent investigation and evaluation thereof based on your personal financials and other circumstances and without any reliance on the data, content or information provided by MPL.AI, the Site or the other products and services of MPL.AI.
      3. MPL.AI cannot, and does not, independently verify, assess or guarantee the validity, adequacy, timeliness, accuracy or completeness of any data, content or information, the suitability or profitability of any particular security or investment, or the potential value of any security, investment or informational source. You bear sole responsibility for your own investment research and decisions, and should seek the advice of a professional, licensed and qualified securities professional before purchasing or selling any security or making any investment.
      4. The Chat on the Site are comprised of customers and members (including, without limitation, moderators who are in the employ of MPL.AI) posting content and information. All such information and content is for informational purposes only and does not constitute advice or a recommendation by MPL.AI to enter into any securities transactions or engage in any of the financial strategies reflected on or suggested in chatrooms (whether such data, content or information is posted by MPL.AI or otherwise). Customers and members may write about securities in which they have a financial or other interest, and performance data reflecting other customer’s or member’s holdings may include information about securities not held by MPL.AI or its directors, officers, shareholders, employees, agents or affiliates. As such, MPL.AI is not responsible for the accuracy of data, content or information or any performance data in any forum or chatroom; and the accuracy of data, content or information or any performance data are not guaranteed, may not be current and should not be relied upon. Nothing in any forum or chatroom is intended as, nor should you rely on it as, investment advice provided by MPL.AI or its directors, officers, shareholders, employees, agents or affiliates.
      5. MPL.AI does not control, and does not endorse, any data, content or information posted on the chatroom on the Site. You understand, acknowledge and agree that your participation therein is at your own risk, and MPL.AI expressly disclaims responsibility for any such data, content or information. MPL.AI has the right (but not the obligation) to review and take down any data, content or information. You understand, acknowledge and agree that by accessing the chatroom on the Site, you may be exposed to material that you deem to be offensive, indecent, obscene or otherwise objectionable. Under no circumstances will you hold MPL.AI, or its directors, officers shareholders, employees, agents or affiliates, liable for any such content displayed or made available through the Site, or for any loss or damage of any kind incurred as a result of your use of the chatroom on the Site.
      6. Without limiting the generality of the foregoing, you understand, acknowledge and agree that chat room moderators may call out or post both real and hypothetical trades and real and simulated or hypothetical returns for informational and educational purposes only. Moderator commentary is opinion and ideas only and does not constitute any recommendation whatsoever, and you should not relay on such opinions and ideas which may not be complete or accurate. Each of MPL.AI’s services, products and site are available for informational and educational purposes only. None of the information contained in the site (which includes, without limitation, our alerts service and chat room) constitutes, or is intended to constitute, a recommendation by us of any particular security or trading strategy or a determination by us that any security or trading strategy is suitable for any specific person. We are publishers and educators only.
      7. You understand, acknowledge and agree that MODERATOR results may be based on simulated or hypothetical performance, and such results have certain inherent limitations. Unlike the results shown in an actual performance record, such results do not represent actual trading. Your actual results may differ from results reported for many reasons, including, without limitation: performance results do not reflect actual trading commissions that You may incur; performance results do not account for the impact, if any, of certain market factors, such as lack of liquidity, that may affect Your results; the investments chosen may be volatile, and server, delivery delays and other factors may cause the price You obtain to differ substantially from the price at the time of the alert; the prices of investments at the point in time You begin subscribing may be higher than such prices at the time such investments were chosen; You may not have the capital to trade as frequently as the moderator; and the size and timing of your purchase or sale of a stock may affect the price of the stock, among other reasons.
      8. You understand, acknowledge and agree that, For informational and teaching purposes only, trades may be called out, posted, or alerted, but not executed. You understand, acknowledge and agree that moderators may sometimes purchase or sell securities sooner or later than called out, posted or alerted. Moderators are also not required to disclose all trades, and their positions may be inconsistent with trades. Also, because some trades may not actually have been executed, results may have under-or-over-compensated for the impact, if any, of certain market factors, such as liquidity. Simulated or hypothetical trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. You understand, acknowledge and agree that the Site contains simulated or hypothetical trading programs. No representation is being made that any account will or is likely to achieve profits or losses similar to these being shown.
      9. You understand, acknowledge and agree that, For informational and teaching purposes only, trades may be called out, posted, or alerted, but not executed. You understand, acknowledge and agree that bella may sometimes purchase or sell securities sooner or later than called out, posted or alerted. Bella are also not required to disclose all trades, and their positions may be inconsistent with trades. Also, because some trades may not actually have been executed, results may have under-or-over-compensated for the impact, if any, of certain market factors, such as liquidity. Simulated or hypothetical trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. You understand, acknowledge and agree that the Site contains simulated or hypothetical trading programs. No representation is being made that any account will or is likely to achieve profits or losses similar to these being shown.
      10. You understand, acknowledge and agree that MPL.AI and its directors, officers, shareholders, employees, agents and affiliates have no obligation to notify you as to which trades and returns are real versus simulated or hypothetical, and that MPL.AI, and its directors, officers, shareholders, employees, agents and affiliates do not verify moderator trade records or maintain records of moderator trades and results, and that moderators have no obligation to provide MPL.AI any data.
      11. Through your use of the site, You expressly contract and consent to the operations of MPL.AI (including the moderator actions and omissions discussed above) and release MPL.AI, and its directors, officers, shareholders, employees, agents and affiliates from any liability, claim, loss, cost, expense, and any other damages arising from or relating to moderator statements (written or oral), actions and omissions, including real, simulated, or hypothetical trades and results. Trading in any security can result in immediate and substantial losses of the money invested. you Should only invest funds that are not allocated for other purposes, such as retirement savings, student loans, mortgages, education, or debt reduction, and that you can afford to loose. Don’t trade with money you can’t afford to lose.
      12. Third-Party Data, Content and Information for Bella

Data, content and information presented or available within Bella is provided to us by third-party providers. The securities included in Bella include only those that are currently identified by these third-party providers, and Bella includes only securities where data, content or information for such securities is provided to us by these third-party providers. All securities may not be available on Bella, and Bella may not provide all data, content and information for securities. We cannot, and do not, independently verify, assess or guarantee the validity, adequacy, timeliness, accuracy or completeness of any such data, content or information, the suitability or profitability of any particular security or investment, or the potential value of any security, investment or informational source. We do not control, and do not endorse, any such data, content or information, and neither assume responsibility for, nor guarantee the validity, adequacy, timeliness, accuracy, reliability, completeness or usefulness of, such data, content or information. We do not represent or warrant, and hereby disclaim, any representations or warranties of validity, adequacy, timeliness, accuracy, reliability, completeness or usefulness of such data, content or information, and that data, content or information will be timely, updated or available for all or certain securities within the Scanner.

All such data, content or information is for informational purposes only and does not constitute advice or a recommendation by MPL.AI to enter into any securities transactions or engage in any financial strategies based upon such data, content or information. All such data, content and information is historical and is subject to revision or change at any time, and MPL.AI disclaims any obligation to timely update such data, content or information.

Bella may contain links to other websites or applications containing additional data, content or information. MPL.AI does not control, and does not endorse, any such data, content or information, and neither assumes responsibility for, nor guarantees the validity, adequacy, timeliness, accuracy, reliability, completeness or usefulness of such data, content or information.

You understand, acknowledge and agree that your use of Bella is at your own risk, and MPL.AI expressly disclaims all responsibility for any such data, content or information, and responsibility for any decisions based on such data, content or information, or for purchasing or selling any security or engaging in any investment or transaction, based on such data, content or information. You bear sole responsibility for your own investment research and decisions, and should seek the advice of a professional, licensed and qualified securities professional before purchasing or selling any security or engaging in any investment or transaction.

    1. Activities of MPL.AI Personnel
      1. MPL.AI, and its directors, officers, shareholders, employees, agents and affiliates, are active investors and traders of securities. Such parties may, not are not required to, purchase or sell any security, or engage in any investment strategy, contained in any data, content or information on the Site, or in the other products or services of MPL.AI. Such parties will purchase or sell securities, and engage in any investment strategies, in their sole discretion, at any time and without notice, and shall not, and are not required to disclose or otherwise notify you, or any other person or party, with respect to any such decisions or activities. For the avoidance of doubt, such parties may not always adhere to MPL.AI strategies and are not required to disclose or notify you, or any other person or party, with respect to any such decisions or activities. MPL.AI personnel adhere to their unique individual plans developed and implemented by them with or without MPL.AI, and experiences will not be duplicated and are not typical.
      2. MPL.AI does not engage in, and its business and activities shall not constitute or be construed as, a business or activity with the purpose of creating a false or misleading appearance of active trading in any security, or a false or misleading appearance with respect to the market for such security, to effect any transaction in such security which involves no change in the beneficial ownership thereof, to enter an order or orders for the purchase of such security with the knowledge that an order or orders of substantially the same size, at substantially the same time, and at substantially the same price, for the sale of any such security, has been or will be entered by or for the same or different parties, or to enter any order or orders for the sale of any such security with the knowledge that an order or orders of substantially the same size, at substantially the same time, and at substantially the same price, for the purchase of such security, has been or will be entered by or for the same or different parties.
      3. MPL.AI does not engage in, and its business and activities shall not constitute or be construed as, a business or activity to effect a series of transactions creating actual or apparent active trading in a security, or raising or depressing the price of such security, for the purpose of inducing the purchase or sale of such security by others.
      4. MPL.AI does not engage in, and its business and activities shall not constitute or be construed as, a business or activity to effect a series of transactions for the purchase and/or sale of a security for the purpose of pegging, fixing, or stabilizing the price of such security in contravention of any law, rule or regulation.
      5. You understand, acknowledge and agree that MPL.AI, and its directors, officers, shareholders, employees, agents and affiliates, engage in active trading of securities, but do not willfully participate in any activity described in the three preceding paragraphs. Accordingly, you hereby waive and release any and all claims, losses, damages, liabilities and any other costs and expenses (including attorneys’ fees), arising from or related to your purchase or sale of a security at a price that may have been affected by the business or activities of MPL.AI, or its directors, officers, shareholders, employees, agents or affiliates.
    2. Investments and Results
      1. The purchase and sale of securities, futures, or commodities involve a high degree of risk and is speculative in nature. The purchase and sale of securities should only be conducted by persons who understand and accept the risks involved therewith and who have independently reviewed and determined their acceptance and suitability of these risks and the financial and tax consequences thereof. Only persons who are able to bear the risk of substantial or complete loss of funds should engage in the purchase and sale of securities, futures or commodities.
      2. MPL.AI, and the content and information contained on the Site, and in other products and services of MPL.AI, do not indicate or guaranty any predictable, general, specific or other results. The purchase and sale of securities, and any other investment activity, involves a high degree of risk, and a number of factors could materially and adversely affect the results and lead to a substantial or complete loss of an investment.
      3. As more fully set forth herein, MPL.AI, and its directors, officers, shareholders, employees, agents and affiliates, make no representation, warranty or guaranty as to the validity, adequacy, timeliness, accuracy, reliability or completeness of any data, content or information. You should independently analyze, review and confirm any such data, content or information.
      4. MPL.AI may express or utilize testimonials or descriptions of past performance, but such items are not indicative of future results or performance, or any representation, warranty or guaranty that any result will be obtained by you. Your results may differ materially from those expressed or utilized by MPL.AI due to a number of factors.
      5. COMMODITY FUTURES TRADING COMMISSION RULE 4.41:  Hypothetical performance results have many inherent limitations, some of which are described below. No representation is being made that any account will or is likely to achieve profits or losses similar to those shown, in fact, there are frequently sharp differences between hypothetical performance results and the actual results subsequently achieved by any particular trading program. One of the limitations of hypothetical performance results is that they are generally prepared with the benefit of hindsight, in addition, hypothetical trading does not involve financial risk, and no hypothetical trading record can completely account for the impact of financial risk in actual trading. For example, the ability to withstand losses or adhere to a particular trading program in spite of trading losses are material points which can also adversely affect actual trading results. There are numerous other factors related to the markets in general or to the implementation of any specific trading program which cannot be fully accounted for in the preparation of hypothetical performance results and all of which can adversely affect actual trading results.
    3. Testimonials Disclaimer

In accordance with 16 CFR Part 255 and Federal Trade Commission Guidelines concerning use of endorsements and testimonials in marketing and advertising, please be aware of the following:

      1. Endorsements, testimonials or descriptions of past performance from other customers or members are based upon their individual experiences and results with the Site, and the products and services of MPL.AI. These results and performances are not typical, and you should not expect to achieve the same or similar results or performance, and your results and performance are likely to vary or differ materially. The endorsements, testimonials or descriptions of past performance are individual experiences, reflecting real life experiences of customers or members, and are not representative of the results and performances of all customers and members.
      2. Endorsements, testimonials or descriptions of past performance appearing on the Site were received pancekvia text, audio or video submission from customers or members. The endorsements, testimonials or descriptions of past performance (text, audio and/or video) are verbatim except for correction of grammatical or typing errors and editing for length. In other words, not the whole message received by the customer or member may be displayed, when it seemed lengthy or not all content seemed relevant for the general public. No endorsements, testimonials or descriptions of customers or members that appear on the Site involved payment or compensation therefor.
      3. Ross Cameron’s experience with trading is not typical, nor is the experience of individuals featured in testimonials. They are experienced traders. Becoming an experienced trader takes hard work, dedication and a significant amount of time.
      4. We do not track the typical results of our current or past students. As a provider of educational courses, we do not have access to the personal trading accounts or brokerage statements of our customers. Available research data suggests that most day traders are not profitable.
         
      5. In a research paper published in 2014 titled “Do Day Traders Rationally Learn About Their Ability?”, professors from the University of California studied 3.7 billion trades from the Taiwan Stock Exchange between 1992-2006 and found that only 9.81% of day trading volume was generated by predictably profitable traders and that these predictably profitable traders constitute less than 3% of all day traders on an average day. *Citation 1

      6.  In a 2005 article published in the Journal of Applied Finance titled “The Profitability of Active Stock Traders” professors at the University of Oxford and the University College Dublin found that out of 1,146 brokerage accounts day trading the U.S. markets between March 8, 2000 and June 13, 2000, only 50% were profitable with an average net profit of $16,619. *Citation 2
         
      7. In a 2003 article published in the Financial Analysts Journal titled “The Profitability of Day Traders”, professors at the University of Texas found that out of 334 brokerage accounts day trading the U.S. markets between February 1998 and October 1999, only 35% were profitable and only 14% generated profits in excess of than $10,000. *Citation 3
      8. The range of results in these three studies exemplify the challenge of determining a definitive success rate for day traders. At a minimum, these studies indicate at least 50% of aspiring day traders will not be profitable. This reiterates that consistently making money trading stocks is not easy. Day Trading is a high risk activity and can result in the loss of your entire investment. Any trade or investment is at your own risk.
    1. Third Party Websites
      1. The Site, and other products and services of MPL.AI, may contain links to other websites or applications. The fact that we link to a website is not an endorsement, authorization or representation of our affiliation with that third party. MPL.AI has not reviewed all of the sites linked to or from the Site, or other products and services of MPL.AI, and is not responsible for the content of any such linked website. We do not exercise control over third party websites. Your use of links to other websites is at your own risk. We are not responsible for third party sites linked from the Site, or other products and services of MPL.AI, nor do we make any representation or warranties, express or implied, with respect to any such website, any content of such websites, or any products or services offered by any such websites, including but not limited to, accuracy, completeness, reliability, suitability, non-infringement, merchantability or fitness for a particular purpose.
  1. Limitations of Liability
    1. WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, MPL.AI, AND ITS DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS AND AFFILIATES, SHALL NOT BE LIABLE TO YOU, UNDER ANY LEGAL OR EQUITABLE THEORY, FOR (A) ANY CONSEQUENTIAL, INCIDENTAL, PUNITIVE, EXEMPLARY, SPECIAL OR INDIRECT DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION LOST PROFITS, REVENUES AND BUSINESS, ARISING OUT OF, UNDER OR RELATING TO THESE TERMS AND CONDITIONS, YOUR USE OF THE SITE OR OTHERWISE RELATED TO OR ARISING FROM THE PRODUCTS OR SERVICES OF MPL.AI, OR (B) ANY DAMAGES OF ANY KIND ARISING OUT OF, UNDER OR RELATING TO THE SITE OR OTHERWISE RELATED TO OR ARISING FROM THE PRODUCTS OR SERVICES OF MPL.AI, IN EXCESS OF THREE TIMES THE MOST RECENT MONTHLY FEE PAID BY YOU IN CONNECTION WITH THE SITE, IF ANY, OR $250, WHICHEVER AMOUNT IS GREATER.
    2. THIS LIMITATION OF LIABILITY SHALL APPLY REGARDLESS OF WHETHER THE LIMITED REMEDIES PROVIDED HEREIN FAIL OF THEIR ESSENTIAL PURPOSE, AND SHALL NOT APPLY TO ANY DAMAGE TO YOU INTENTIONALLY CAUSED BY MPL.AI IN VIOLATION OF THESE TERMS AND CONDITIONS OR APPLICABLE LAW, OR AS OTHERWISE MANDATED BY APPLICABLE LAW THAT CANNOT BE DISCLAIMED BY THESE TERMS AND CONDITIONS.
  2. Indemnification
    1. You shall, and hereby agree to, indemnify and hold harmless, MPL.AI, and its officers, directors, shareholders, employees, agents and affiliates, from any and all claims, losses, damages, liabilities and any other costs and expenses (including attorneys’ fees), arising from or related to your (i) breach of a representation or warranty contained in these Terms and Conditions, (ii) breach of, or failure to comply with, any term contained in these Terms and Conditions, (iii) use of the Site or any products or services of MPL.AI, or (iv) use of, access to or other activity engaged in, on, through, related to or in connection with the Site.
  3. Privacy and Personal Information
    1. MPL.AI shall have the right to use and disclose any information provided by you through the Site, or other products or services of MPL.AI (including but not limited to information provided through e-mail) or made available through your use of the Site, for any lawful purpose, unless you indicate otherwise in accordance with the policies and procedures therefor of MPL.AI. In no event shall you be entitled to any compensation for the use of any of such information. Please see the Privacy Policy for further details.
  4. Modifications
    1. MPL.AI reserves the right to revise these Terms and Conditions at any time without notice. By using the Site, you are agreeing to be bound by the then-current version of these Terms and Conditions, and your continued use of the Site reaffirms your agreement to the then-current Terms and Conditions. You agree to consult the Site regularly for up-to-date information about these Terms and Conditions and the Privacy Policy.
    2. MPL.AI may make changes to the Site, and the other products and services of MPL.AI, at any time without notice. MPL.AI does not, however, make any commitment to update the Site, and the other products and services of MPL.AI.
  5. Governing Law
    1. Any claim under these Terms and Conditions or otherwise related to the Site or MPL.AI shall be governed by the laws of the State of Nevada without regard to its conflict of law provisions, and shall be exclusively resolved by a state or federal court located in Washoe County, Nevada. You agree to submit to the personal jurisdiction of the courts located within Washoe County, Nevada, or another location of MPL.AI’s choosing, for the purpose of litigating all such claims. Notwithstanding the above, you agree that MPL.AI shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction. Except as otherwise provided herein, you agree that any controversy or claim, whether at law or equity, arising out of or related to the provision of services or materials by MPL.AI, regardless of the date of accrual of such dispute, shall be resolved in its entirety by individual (not class-wide nor collective) binding arbitration.
    2. The Site, and the other products and services of MPL.AI, are solely directed to and intended for individuals residing in the United States. Those who choose to access and use the Site, and the other products and services of MPL.AI, from other locations do so at their own risk, and are responsible for compliance with all laws, rules and regulations applicable thereto. MPL.AI reserves the right to limit the availability of the Site, and any other products or services of MPL.AI, to any person, geographic area, or jurisdiction, in any manner and at any time, in its sole discretion.
  6. Severability
    1. If any provision of these Terms and Conditions is found by a court of competent jurisdiction or arbitrator to be illegal, void, or unenforceable, the unenforceable provision will be modified so as to render it enforceable and effective to the maximum extent possible in order to effect the intention of the provision; and if a court or arbitrator finds the modified provision invalid, illegal, void or unenforceable, the validity, legality and enforceability of the remaining provisions of these Terms and Conditions will not be affected in any way.
  7. Entire Agreement
    1. You agree that these Terms and Conditions constitute the entire, complete and exclusive agreement between you and us regarding the Site and the products and services of MPL.AI, and supersedes all prior agreements and understandings, whether written or oral, or whether established by custom, practice, policy or precedent, with respect to the subject matter of these Terms and Conditions. The provisions of these Terms and Conditions shall survive any termination thereof indefinitely.
  8. Waivers
    1. Our failure to act with respect to a breach of these Terms and Conditions by you or others does not waive our right to act with respect to that breach or subsequent similar or other breaches.
  9. Questions?
    1. Questions about these Terms and Conditions should be addressed to team@mpl.ai. Questions about billing should be addressed to team@mpl.ai.
    2. IF YOU DO NOT AGREE WITH ANY TERM OR PROVISION OF THESE TERMS AND CONDITIONS, PLEASE EXIT THE SITE IMMEDIATELY. PLEASE BE ADVISED THAT YOUR CONTINUED USE OF THIS SITE OR THE PRODUCTS OR INFORMATION PROVIDED THEREBY SHALL INDICATE YOUR CONSENT AND AGREEMENT TO THESE TERMS AND CONDITIONS.

 







Privacy Policy

This Privacy Policy (“Policy”) of www.mpl.ai, and all related content, materials and services (collectively, the “Site”) is hereby made effective as of Jan 01, 2021, by MPL.AI Corporation, a Florida corporation (“MPL.AI” or “we” or “us” or “our”).

General

When you (“you” or “your” or “user” or “member”) browse the Site, register for a membership, or use our products, services or other materials available on the Site, you will provide certain information to us and we will learn, collect, use and share certain information about you for various purposes, as more fully set forth in this Policy.

By using or accessing the Site, you agree that you have read and understood this Policy, and acknowledge and consent to the learning, collection, use and sharing of your information as described in this Policy. If you do not agree with any portion of this Policy, you are prohibited from using or accessing the Site.

Information We Collect and Use

Our primary purpose in collecting information about you is to provide you with our products and services, but we will also use this information in connection with the operation and improvement of the Site and our business and may provide this information to our affiliates or to other third parties for use in their businesses or for other purposes.

When you access, visit. register for and otherwise use the Site, we will learn, collect, store and use:

  • personally identifiable data and information about you, such as your name, physical and/or electronic mail address, telephone, fax or mobile numbers, and other data or information that can be used to specifically identify you (all such personal data and information is collectively referred to herein as, “Personal Information”); and
  • non-personally identifiable information about you, such demographic information, location, age, gender, and data on your use of the Site and other online activity (“Non-Personally Identifiable Information”).

Personal Information and Non-Personally Identifiable Information are together referred to herein as “Information”.

Using the Site. When you access, visit and use the Site, we automatically receive and store the uniform resource locator of the prior webpage that you were on and of the webpage where you go after you leave the Site. We also receive and store additional Information such as your internet protocol (IP) address, browser types, domain name, and other statistical data involving your access, browsing and use of the Site. This Information is generally collected passively using various technologies, but this Information may also be provided by you through interactions or communications with the Site or us.

Registration. In order to become a registered user of the Site or to use or obtain certain products or services offered on or through the Site, we will request, and you will need to provide us with, Personal Information such as your name, postal and/or email address, telephone, fax, age or mobile numbers. Registered users who sign up for any trial membership, premium membership or other account, product or service must also provide billing and credit card information. Without providing

Personal Information, you cannot create an account, become a registered user of the Site, or obtain our products or services. We will use this Information to provide our products and services to you, in connection with our business and operations and in other ways that are provided in this Policy. We may also collect certain other Information from you such as demographic information. Providing this information is optional, and is not required.

We may also collect Information when you interact with the Site’s or our customer service in order to assist you or maintain or improve the Site.

Chat Room. We operate a chat room on the Site. Any Information you disclose in a chat room becomes public information. If you post Personal Information online, in a chat room, or anywhere on the Site that is accessible to the public or to other users, you have made that Information available to the public, and it is no longer private. In that case, other people may receive, collect and use that Information. You should exercise caution when deciding whether to post or disclose any of your Personal Information or any other Information in any chat room or forum, including any public or private chat room or forum on the Site.

Please note that Personal Information you have published on any chat room or forum, including any chat room or forum on the Site, may remain publicly available even if you request that such Information be internally deleted by MPL.AI. We will not post your Personal Information in any public chat rooms or forums.

Cookies and Tracking Technologies

Like many websites, we use cookies and similar technologies to record your preferences, track your usage of the Site, improve the Site and collect data and other Information. A browser cookie is a small piece of data that is stored on your device to help websites and mobile apps remember things about you. Other technologies, including Web storage and identifiers associated with your device, may be used for similar purposes. In addition to browser cookies, MPL.AI also receives and collects Information through other commonly used techniques and technologies, including without limitation:

  • through your browser, computer, mobile device, or tablet to ensure Site functionality,
  • through pixel tags, web beacons, or clear GIFs,
  • through Flash objects, or
  • through your IP Address.

For example, we use programs, software and/or applications, including, without limitation, Google Analytics, to analyze typical user behavior, improve the Site or in connection with our business or operations; and, for security purposes and to ensure the availability of the Site, we may also use programs, software and applications to monitor network traffic, identify unauthorized attempts to upload or change information, or otherwise cause damage to the Site or MPL.AI. And, when you visit the Site, we automatically receive and collect the uniform resource locator of the prior webpage that you were on and of the webpage where you go after the Site, the IP address of your computer, the type of operating system and web browser you are using, your location, date and time of your access, pages viewed on the Site and other Information related to your visit to the Site.

How We Use Cookies and Other Tracking Technologies

Like most providers of online services, MPL.AI uses cookies and other tracking technologies for a number of reasons, including, without limitation, protecting your MPL.AI data and account, helping us see which features are most popular, counting visitors to a page, improving our users’ experience, keeping our services secure, and generally providing you with a better, more intuitive, and satisfying experience. Most cookies we use fall into one of the following general categories:

Category of Cookies

Why we use these cookies

Strictly Necessary

These cookies are necessary for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not then work.

Performance

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site. If you do not allow these cookies we will not know when you have visited our site and will not be able to monitor its performance.

Functionality

These cookies enable the website to provide enhanced functionality and personalization. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.

Targeting

There are also certain third-party cookies that reside on our site that collect Personal Information, such as information that uniquely identifies your IP address, browser and internet device, that may be used by these third parties to, among other things, build a profile of your interests and show you relevant advertisements on this site and/or other sites.

Your Options

Cookies are automatically placed on your computer when you access the Site. Your browser or device may allow you to block or otherwise limit the use of cookies. Cookies are an important part of how our services work, so removing, rejecting, or limiting the use of them could affect the availability and functionality of our services.

Browser Cookies

Your browser may provide you with the option to refuse some or all browser cookies. You may also be able to remove cookies from your browser. For more information about how to manage browser cookies, please follow the instructions provided by your browser.

Information We Do Not Collect

MPL.AI is solely an informational and educational platform and online community, providing impersonal advice and education so you can independently trade your own funds and securities. We do not provide investment advisory services or trade securities for the account of others. We are not an investment adviser or broker-dealer, do not provide advice on the value or advisability of your purchases of securities, and do not effect or facilitate transactions or otherwise handle securities or funds of others.

We only communicate with you through the contact information and social media accounts on the Site, would never give you personalized investment advice, and would never ask you for your social security number, to wire money or to provide access or information on your financial or securities accounts (except for billing purposes as set forth above)! Don’t be fooled by scams or other imposters asking for this information, they are not from MPL.AI! If someone pretending to be affiliated with MPL.AI asks you for this information, please contact team@mpl.ai.

How We Use Your Information

MPL.AI uses your Information, including Personal Information, in connection with the operation, development and improvement of the Site and other products and services offered by MPL.AI and its affiliates, the operation and billing of your account and/or membership, and for other uses consistent with this Policy. MPL.AI and its affiliates may use your Personal Information for any purpose related to their business or operations, including, without limitation, the following:

  • to provide our products and services, operate the Site and respond to your inquiries and fulfill your requests,
  • to manage your account and/or membership, subscription and other billing purposes,
  • to allow outside vendors or other to perform services on our behalf,
  • to inform you about information regarding the Site, products or services for which you apply or may be interested in applying for, or in which you are already enrolled, changes to terms, conditions, and policies and/or other administrative information,
  • to deliver marketing communications that we believe may be of interest to you, including ads or offers tailored to you from us or our affiliates,
  • to personalize your experience on the Site,
  • to verify your identity and/or location in order to allow access to your accounts, and to maintain measures aimed at preventing fraud and protecting the security of account and Personal Information,
  • to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities (some of these activities may have additional rules, which may contain additional information about how Personal Information is used and shared),
  • for general business purposes, to otherwise manage and operate the Site, develop new services and products, and conduct the business and operations of MPL.AI and its affiliates, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns,
  • for risk control, for fraud detection and prevention,
  • to enforce the Terms and Conditions of www.mpl.ai (the “Terms and Conditions”),
  • to protect the rights and property of MPL.AI or its officers, directors, shareholders, employees or agents, and
  • to comply with laws and regulations, and to comply with other legal process and law enforcement requirements.

There are also certain third-party cookies that reside on our site that collect Personal Information, such as information that uniquely identifies your IP address, browser and internet device, that may be used by these third parties to, among other things, build a profile of your interests and show you relevant advertisements on this site and/or other sites.

Please be aware that you are responsible for the payment of any fees or costs incurred by you in connection with receipt of communications from MPL.AI or its affiliates, including data, internet, cellular carrier or other similar fees.

Who Your Information May Be Shared With

MPL.AI may share your Personal Information and Non-Personally Identifiable Information with third party vendors who need to know Information about you in order to provide their services to us. This group includes vendors that help us provide our services to you (like payment processing providers) and those that help us understand and enhance our services (like analytics providers). We may also share your Personal Information:

  • as described in this Policy;
  • as required by law or to comply with legal process, including, but not limited to, civil and criminal subpoenas, court orders or other compulsory disclosures;
  • as reasonably necessary to respond to claims of a violation of the rights of third parties, whether or not the third party is a user, individual, entity or government agency;
  • to detect, prevent and address fraud and other illegal activity and to prevent death or imminent bodily harm; or
  • for any purpose related to the business or operations of MPL.AI or its affiliates.

There are also certain third-party cookies that reside on our site that collect Personal Information, such as information that uniquely identifies your IP address, browser and internet device, that may be used by these third parties to, among other things, build a profile of your interests and show you relevant advertisements on this site and/or other sites.

MPL.AI may also share or otherwise provide Non-Personally Identifiable Information or other aggregated anonymous data or information to third parties (including sub processors) about the users or usage of the Site for purposes that we deem, in our sole discretion, to be appropriate.

MPL.AI may post and use any testimonials about the Site that you have provided in connection with the marketing and promotion of the Site.

Testimonials and other marketing, promotions and advertisements may include limited Personal Information (such as first name and general location) that you have provided to MPL.AI.

MPL.AI may also disclose your Information to third parties as part of our selling the stock or assets of the company, as the result of a proposed or actual change in control of the company, or in connection with any financing of or investment in the company by a third party. Any successor or assign of MPL.AI, including any third party to which MPL.AI transfers or sells its assets, will have the right to continue to use your Information.

IF YOU DO NOT AGREE WITH ANY TERM OR PROVISION OF THIS POLICY, PLEASE EXIT THE SITE IMMEDIATELY. PLEASE BE ADVISED THAT YOUR CONTINUED USE OF THIS SITE OR THE PRODUCTS OR INFORMATION PROVIDED THEREBY SHALL INDICATE YOUR CONSENT AND AGREEMENT TO THIS POLICY

Access to and Protection of Your Personal Information. You may access, modify and correct some Personal Information provided to us through your account information on the Site. If you update, modify or correct any such Personal Information, we may keep copies of your Personal Information prior to such update, modification or correction for uses provided for in this Policy. To the extent that you wish to access, modify or correct Personal Information that is not available through your account information, you may contact us in the manner set forth below. We will endeavor to respond to your request in a timely manner.

Personal Information will be stored by us in databases or servers owned and maintained by us or our affiliates, agents or service providers. Personal Information will be protected in a commercially reasonable manner. We take what we believe to be industry standard security measures to help safeguard your Personal Information, but no system is entirely secure. Although we protect your Personal Information in a commercially reasonable manner and with industry standard security measures, we do not guarantee that your Information will always remain secure.

Data Retention

We process your Personal Information while your account is active or as needed to provide you our services. If you close your account(s), your Personal Information will be retained for seven years from the closure of your account.

Do Not Track

Some web browsers have a “Do Not Track” feature. This feature lets you tell websites you visit that you do not want to have your online activity tracked. These features are not yet uniform across browsers. Our Website is not currently set up to respond to those signals.

Links to Other Websites

We are not responsible for the practices employed by websites linked to or from the Site, nor the information or content contained in such websites, nor any third party’s use of Information or other data or information which we have sold, disclosure, shared or otherwise provided to them. Please remember that when you use a link to go from the Site to another website, this Policy is no longer in effect. Your browsing and interaction on any other website, including those that have a link on the Site, are subject to that website’s rules, terms and conditions, and/or policies.

Children

The Site is not directed to individuals under the age of 13. MPL.AI does not intentionally collect any Information on the Site from individuals we actually know are under 13. In fact, registration for and use of the Site by persons under the age of 18 is expressly prohibited. If we become aware that we have collected any Information, including without limitation Personal Information, from a person under age 13, we will take steps to remove that Information.

GDPR Supplement to Privacy Policy of www.mpl.ai

This GDPR Supplement to the Privacy Policy (the “GDPR Supplement”) of www.mpl.ai (the “Site”), is hereby made effective as of Jan 01, 2021, by MPL.AI Corporation, a Florida corporation (“MPL.AI” or “we” or “us” or “our”), and supplements that certain Privacy Policy of MPL.AI, dated Jan 01, 2021 (the “Privacy Policy”), for the citizens of the European Union (the “EU”) described below.

This GDPR Supplement is intended to comply with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the Protection of Natural Persons with regard to the Processing of Personal Data and on the Free Movement of Such Data, and Repealing Directive 95/46/EC (General Data Protection Regulation) (the “GDPR”).

This GDPR Supplement is directed to, and applies only to, residents of the European Union, to whom MPL.AI offers goods or services, or who access the Site and may be subject to monitoring or the collection of personal data by MPL.AI (“you” or “your” or “EU User” or “EU Member”), as when you browse the Site, register for a membership, or use our goods or services or other materials available on or through the Site, you will be providing certain Information to us that could be used to identify you, and we will learn, collect, use and share certain Information about you for various purposes, as more fully set forth in the Privacy Policy and this GDRP Supplement. For clarification, this GDPR Supplement applies to any Information of EU residents that is subject to the GDPR.

  1. Contact Information

If you have questions regarding the Privacy Policy or this GDPR Supplement, then you should contact MPL.AI at:

MPL.AI PO Box 1216
 Miami FL 33122

Email: team@mpl.ai.

Likewise, if you desire to exercise a right described Paragraphs 3 through 9, below, and your exercise of that right requires you to contact MPL.AI, then you should contact MPL.AI at team@mpl.ai.

  1. Legal Basis of Processing

Our legal basis for collecting and using the Information described above will depend on the type of Information and the specific context in which we collect it.

We process Information about you in order to provide our services in accordance with our Terms and Conditions, for example to provide you with our educational courses and to allow us to send you important service updates.

We also process Information about you where it is in our legitimate interests to do so and not overridden by your rights (for example, in some cases for direct marketing, fraud prevention, network and information systems security, responding to your communications, and improving our services).

In some cases, we may also have a legal obligation to collect Information about you, or may otherwise need the Information to protect your vital interests or those of another person.

  1. Right to Access

You have a right to confirmation by MPL.AI as to whether MPL.AI is processing your personal data and, where that is the case, you have a right to access the following information:

  • The purpose of the processing;
  • The categories of personal data concerned;
  • The recipients or categories of recipients to whom your personal data have been or will be disclosed;
  • The envisaged period for which your personal data will be stored or the criteria used to determine that period;
  • The existence of your right to rectification (discussed below);
  • The existence of your right to erasure (discussed below);
  • The existence of your right to restrict processing (discussed below);
  • The existence of your right to object to processing (discussed below);
  • The existence of your right to lodge a complaint with a supervisory authority (discussed below);
  • Whether MPL.AI uses your personal data for automated decision-making and, where that is the case, the logic involved and the significance and envisaged consequences to you;
  • Where MPL.AI does not collect your personal data directly from you, the existence of your right to information regarding MPL.AI’s source of your personal data; and
  • Where MPL.AI intends to transfer your personal data to a third country or international organization, the existence of your right to be informed of the appropriate safeguards used in connection with the transfer.

Your right to access includes the right to obtain a copy of the personal data MPL.AI is processing. In compliance with the GDPR, MPL.AI will provide one such copy for free, but MPL.AI may charge a reasonable fee for any additional copies.

  1. Right to Rectification

You have a right to obtain from MPL.AI the rectification of inaccurate personal data concerning you. Additionally, taking into account the purposes for which MPL.AI is processing your personal data, you have a right to obtain from MPL.AI the completion of incomplete personal data concerning you.

  1. Right of Erasure

You have a right of erasure to obtain from MPL.AI the erasure of your personal data based on any of the following grounds:

  • your personal data is no longer necessary in connection with the purposes for which MPL.AI collected or otherwise processed your personal data (subject to the exceptions described below);
  • MPL.AI collected or otherwise processed your personal data on the basis of your consent and you have since withdrawn your consent (subject to the exceptions described below);
  • You have exercised your right to object to processing (discussed below) and there are no overriding legitimate grounds for MPL.AI to continue processing your personal data;
  • MPL.AI has unlawfully processed your personal data;
  • Compliance with a legal obligation imposed by the EU or the law of any “member state” of the EU (a “Member State”), to which MPL.AI is subject, requires the erasure of your personal data; or
  • MPL.AI has collected your personal data in relation to the offer of information society services, i.e., an offer for a service normally provided for remuneration, at a distance (the parties are not simultaneously present), by electronic means, and at the individual request of the recipient of the service.

Exceptions

Your right to erasure described above, does not apply where MPL.AI’s processing of your personal data is necessary for:

  • exercising the right of freedom of expression and information;
  • complying with a legal obligation imposed by the EU or any Member State to which MPL.AI is subject or for carrying out a task in the public interest; or
  • establishing, exercising, or defending legal claims.
  1. Right to Restrict Processing

You have a right to restrict MPL.AI’s processing of your personal data if any of the following applies:

  • you contest the accuracy of your personal data MPL.AI is processing, (for a period sufficient to enable MPL.AI to verify its accuracy);
  • MPL.AI’s processing of your personal data is unlawful but you object to the erasure of your personal data;
  • your personal data is no longer necessary in connection with the purposes for which MPL.AI collected or otherwise processed your personal data, but you require your personal data for the establishment, exercise, or defense of legal claims; or
  • you have exercised your right to object to processing (discussed below), (pending verification that MPL.AI has overriding legitimate grounds to process your personal data).

If you exercise your right to restrict processing, and if your exercise of said right is valid, then MPL.AI can store your personal data but cannot otherwise process your personal data without your consent, unless otherwise processing your personal data is necessary for the establishment, exercise, or defense of legal claims, the protection of the rights of another natural or legal person, or for reasons of important public interest of the EU or a Member State.

  1. Right to Object to Processing
     
     

Right to Object to Processing Based on Your Particular Situation

Where MPL.AI’s processing of your personal information is necessary for legitimate interests pursued by MPL.AI, you nevertheless have a right to object to MPL.AI’s processing of your personal information on grounds relating to your particular situation. If you exercise this right, MPL.AI cannot process your personal data unless MPL.AI demonstrates that it has overriding legitimate grounds to process your personal data.

Right to Object to Processing for Direct Marketing Purposes

You have a right to object to MPL.AI’s processing of your personal information for direct marketing purposes. If you exercise this right, MPL.AI cannot process your personal information for direct marketing purposes.

  1. Right to Data Portability

Where MPL.AI’s processing of your personal data is based on your consent or is necessary for the performance of a contract to which you are a party or is necessary to take steps requested by you prior to entering into a contract, and where MPL.AI’s processing of your personal data is carried out by automated means, you have a right to data portability. This means that you have a right to receive from MPL.AI a copy of the personal data you provided to MPL.AI in a structured, commonly used, and machine-readable format. Additionally, this means that you have a right to require MPL.AI to transmit directly to a third party the personal data you provided to MPL.AI, provided that such transmission is technically feasible and provided further that such third party is a natural or legal person, public authority, agency, or other body which, alone or jointly with others, determines the purposes and means of processing personal data.

  1. Right to Withdraw Consent to Processing

Where MPL.AI’s processing of your personal data is based on your consent, you have a right to withdraw consent. However, your withdrawal of consent will not affect the lawfulness of MPL.AI’s processing of your personal data prior to your withdrawal of consent.

  1. Right to Lodge a Complaint with a Supervisory Authority

If you think that MPL.AI’s processing of your personal data is unlawful or otherwise improper, you have a right to lodge a complaint with a Supervisory Authority. A “Supervisory Authority” is an independent public authority established by a Member State pursuant to Article 51 of the GDPR. You should contact the Supervisory Authority established by the Member State of which you are a citizen. If you cannot identify that Supervisory Authority, then you may contact MPL.AI using the contact information provided in Paragraph 1, above. MPL.AI will exercise its best efforts to assist you in identifying that Supervisory Authority.

  1. Intention to Transmit Your Data to a Third Country

MPL.AI is based in the United States. Information about you may be transferred to, and processed in, the United States and countries other than the country in which you are resident. These countries may have data protection laws that are different to the laws of your country and, in some cases, may not be as protective. MPL.AI employs several safeguards to protect the transmission of your personal data. These safeguards include encryption of certain data and other commercially reasonable measures and practices. If you desire more information regarding these safeguards, then you should contact MPL.AI using the contact information provided in Paragraph 1.

MPL.AI has not secured an Agency Decision from the European Commission that the safeguards it employs are adequate to protect your personal data.

Miscellaneous

In addition to the Site, this policy also applies to any MPL.AI mobile applications and any Information that we may collect through such applications.

This Policy has been adopted and is effective as of the date set forth above, without waiving or otherwise releasing any right or obligation under any prior privacy policy or similar document or agreement of MPL.AI, including without limitation any prior privacy policy or similar document or agreement set forth on the Site. This Policy hereby amends and restates any such prior privacy policy.

MPL.AI reserves the right to revise this Policy at any time without notice. By using the Site, you are agreeing to be bound by the then-current version of this Policy, and your continued use of the Site reaffirms your agreement to the then-current Policy. You agree to consult the Site regularly for up-to-date versions and information about this Policy. Without limiting the foregoing, we will provide notification by electronic mail, check box, highlighted text on the Site, or other means we deem adequate, of the adoption of a revised or amended Policy that contains material revisions, amendments or other changes to the terms.

In the event that the terms of this Policy conflict with or are inconsistent with any provision of the Terms and Conditions, the Terms and Conditions shall govern.

Any claim under this Policy or otherwise related to the Site or MPL.AI shall be governed by the laws of the State of Nevada without regard to its conflict of law provisions and shall be exclusively resolved by a state or federal court located in Washoe County, Nevada. You agree to submit to the personal jurisdiction of the courts located within Washoe County, Nevada, for the purpose of litigating all such claims. Notwithstanding the above, you agree that MPL.AI shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) or to enforce its rights or remedies in any jurisdiction.

MPL.AI reserves the right to limit the availability of the Site, and any other products or services of MPL.AI, to any person, geographic area, or jurisdiction, in any manner and at any time, in its sole discretion.

If any provision of this Policy is found by a court of competent jurisdiction or arbitrator to be illegal, void, or unenforceable, the unenforceable provision will be modified so as to render it enforceable and effective to the maximum extent possible in order to effect the intention of the provision; and if a court or arbitrator finds the modified provision invalid, illegal, void or unenforceable, the validity, legality and enforceability of the remaining provisions of this Policy will not be affected in any way.

California Consumer Privacy Act (“CCPA”)

Privacy Notice Addendum for California Residents

The California Consumer Privacy Act (“CCPA”) provides rights for California residents to receive information from MPL.AI Corporation, a Florida corporation (“MPL.AI” or “we” or “us” or “our”) about the information we collect and use about you. This CCPA Privacy Notice addendum also provides information to California residents about what information you can obtain from us. For the full MPL.AI Privacy Notice, please visit https://www.mpl.ai/legal.html#privacypolicy.

California Resident’s Right

Detailed Information

Use Purpose

Right to Know What is Collected

We may collect one or more of the types of information about you based on information you provided to us:

  • Personally identifiable data and information about you, such as your name, physical and/or electronic mail address, telephone, or mobile numbers, and other data or information that can be used to specifically identify you (all such personal data and information is collectively referred to herein as, “Personal Information”); and
  • Non-personally identifiable information about you, such demographic information, location, age, gender, and data on your use of the Site and other online activity (“Non-Personally Identifiable Information”).

Business and Commercial

Right to Request Information Regarding Personal Information Collected and Disclosed

At your request, we will provide a report regarding the information we have collected, used, disclosed and/or sold to others in the prior 12 months about you which will cover:

  1. The categories of personal information collected about you;
  2. The specific pieces of personal information we have about you;
  3. Categories of sources from which personal information is collected;
  4. Our purpose for collecting or sharing personal information;
  5. Identification and categories of third-parties with whom we share your personal information.

Upon receipt of a Verified Request, we will initiate the process of gathering such personal information to provide to you.

Please see the section below entitled “Submission of a Verifiable Request” for instructions on how to submit a request to exercise any of your rights. Once the request is verified as described below, it will be considered a “Verified Request” for purposes of this notice.

Business and Commercial

Right to Request Deletion of Personal Information

You can request that we delete personal information we have collected and maintains about you. In order to request that we delete such information, you need to follow the instructions provided below for submitting a Verifiable Request to delete your personal information. Upon receipt of a Verifiable Request, and so long as we have no right or obligation to keep your personal information despite your right to request deletion, we are required by law to have you confirm your previously submitted Verifiable Request to delete your information. Once you provide that confirmation, we will start the process of deleting your personal information, and we will also instruct all of our service providers that maintain your personal information on our behalf to also delete your personal information from their records.

Business and Commercial

Right to Know MPL.AI’s Sale of Your Personal Information

We do not sell personal information we collect from clients or prospects.

We don’t sell

Right to Opt-Out of Sale of Personal Information

While we do not sell our client’s personal information to others, you have the right to direct businesses that do sell your personal information to stop selling your personal information and to refrain from doing so in the future.

We don’t sell

Right to Non- Discrimination

We shall not discriminate against you by altering the price of any of its products or services because you chose to exercise any of your rights under the CCPA.

N/A

Definitions. For purposes of this CCPA Privacy Notice addendum, the terms below have the following meaning:

Business purpose means “the use of personal information for the business’s or a service provider’s operational purposes, or other notified purposes, provided that the use of personal information shall be reasonably necessary and proportionate to achieve the operational purpose for which the personal information was collected or processed or for another operational purpose that is compatible with the context in which the personal information was collected.”

Commercial purpose means “to advance a commercial or economic interest, such as by inducing another person to buy, rent, lease, join, subscribe to, provide, or exchange products, goods, property, information, or services, or enabling or effecting, directly or indirectly, a commercial transaction,” explicitly excluding engaging in protected free speech.

Verified Request (or Verifiable Request) means a request that is made by a California resident on their own behalf, or on behalf of a California resident from whom they have received authorization, and that we can verify pursuant to its standard verification procedures. For your protection, we request and verify specific pieces of information about you prior to sharing to any data with you.

Exceptions to Our Obligation to Provide or Delete Information. You should be aware that our obligations to you are subject to certain important exemptions that will limit the things we are required to provide to or do for you under this law. Specifically, the CCPA does not apply to personal information collected pursuant to Gramm-Leach-Bliley Act (GLBA). This means that even if you submit a Verifiable Request, we are not required to provide information to you or delete your information if your information is required by us to provide any of the services we provide to consumers or clients. This will likely limit the amount of information you receive in response to a Verifiable Request under the CCPA. In addition, we are not obligated to delete information in response to a Verifiable Request if other regulations require us to maintain these records for a period of time.

  • First and Last Name
  • Mailing address (street, city, state, zip code)
  • Email address
  • Phone number

Upon receipt of your request, we must ensure it is a Verifiable Request. we will acknowledge our receipt of your request within ten (10) days, and we have forty-five (45) days to respond to you or request that you confirm your request to delete information we hold. If reasonably necessary to respond to your Verifiable Request, we may extend the deadline for our response to you by an additional forty-five (45) days, and if we choose to do so, we will notify you.