TERMS AND CONDITIONS

**Last Updated:** December 26, 2025
**Effective Date:** December 26, 2025

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## LEGAL ENTITY INFORMATION

**Company Name:** SMALLCAP MARKET SYSTEMS LLC
**Registered Address:** 5830 E 2ND ST, STE 7000 #31660, CASPER, WY 82609, United States
**Website:** www.mariomaldonado.com
**Email:** info@mariomaldonado.com

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## TABLE OF CONTENTS

1. Introduction and Acceptance
2. Definitions
3. Educational Services – NOT Financial Advice
4. No Guarantees or Representations
5. User Responsibilities and Acknowledgments
6. Account Terms
7. Intellectual Property Rights
8. Prohibited Uses
9. Payment Terms
10. Refund Policy
11. Limitation of Liability
12. Indemnification
13. Disclaimer of Warranties
14. Risk Disclosure
15. Third-Party Services and Links
16. Privacy and Data Protection
17. International Users
18. Dispute Resolution
19. Termination
20. Modifications to Terms
21. Severability
22. Entire Agreement
23. Contact Information

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## 1. INTRODUCTION AND ACCEPTANCE

### 1.1 Agreement to Terms
By accessing or using the website www.mariomaldonado.com (“Website,” “Site,” “Platform”) and any related services, products, courses, communities, or content (collectively, “Services”), you (“User,” “you,” “your”) agree to be bound by these Terms and Conditions (“Terms,” “Agreement”).

### 1.2 If You Do Not Agree
If you do not agree to all of these Terms, you must not access or use our Services. Your continued use of the Services constitutes your ongoing acceptance of these Terms.

### 1.3 Capacity to Enter Agreement
By using our Services, you represent that:
– You are at least 18 years of age
– You have the legal capacity to enter into binding agreements
– You are not prohibited from accessing the Services under applicable laws

### 1.4 Additional Policies
These Terms incorporate by reference the following documents, which you also agree to:
– Privacy Policy (/privacy-policy/)
– Refund and Returns Policy (/refund_returns/)
– Disclaimer (/disclaimer/)

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## 2. DEFINITIONS

For the purposes of these Terms:

– **”Content”** means all text, graphics, images, videos, audio, data, information, and other materials available through our Services.
– **”Educational Content”** means courses, workshops, lessons, videos, documents, databases, tools, templates, and other educational materials provided through our Services.
– **”User Content”** means any content you submit, post, or transmit through our Services.
– **”Services”** includes the Website, educational courses, The Edge Society, workshops, community access, and all related offerings.
– **”Company,” “we,” “us,” “our”** refers to **SMALLCAP MARKET SYSTEMS LLC**, a limited liability company registered in the State of Wyoming, United States, with its principal place of business at 5830 E 2ND ST, STE 7000 #31660, CASPER, WY 82609, United States, operating the website www.mariomaldonado.com.
– **”Mario Maldonado”** refers to the educational brand and content creator associated with the Services.

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## 3. EDUCATIONAL SERVICES – NOT FINANCIAL ADVICE

### 3.1 Educational Purpose Only
**IMPORTANT:** All Services provided through this Website are for **educational and informational purposes only**. Our Services include educational content about trading concepts, market analysis frameworks, risk management principles, and related topics.

### 3.2 What We DO NOT Provide
We expressly **DO NOT** provide:
– Investment advice
– Financial advice
– Personalized financial recommendations
– Trading signals or alerts to buy or sell securities
– Portfolio management services
– Securities brokerage services
– Recommendations tailored to your specific financial situation
– Guaranteed trading strategies or systems
– Promises of profitability or income

### 3.3 Regulatory Status
SMALLCAP MARKET SYSTEMS LLC and this Website are **NOT** registered with or regulated by:
– The U.S. Securities and Exchange Commission (SEC)
– The Financial Industry Regulatory Authority (FINRA)
– The U.K. Financial Conduct Authority (FCA)
– The European Securities and Markets Authority (ESMA)
– The Comisión Nacional Bancaria y de Valores (CNBV) of Mexico
– Any other financial regulatory authority in any jurisdiction

This is an **unregulated educational service**, not a regulated investment advisory service.

### 3.4 Consult Qualified Professionals
Before making any investment or trading decisions, you should consult with:
– A licensed financial advisor
– A registered investment adviser
– A qualified tax professional
– A licensed attorney

We strongly recommend seeking independent professional advice before trading or investing.

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## 4. NO GUARANTEES OR REPRESENTATIONS

### 4.1 No Guarantee of Results
We make **NO guarantees, representations, or warranties** regarding:
– Trading profits or income
– Investment returns
– Specific financial outcomes
– The success of any trading strategy
– Your ability to replicate any results shown
– Future market performance based on historical data

### 4.2 Past Performance Disclaimer
**Past performance does not guarantee future results.** Historical examples, case studies, backtesting results, win rates, and performance metrics shown in our Educational Content are for **educational illustration only** and do not predict or guarantee future performance.

### 4.3 Individual Results Vary
Any results discussed, shown, or implied are not typical. Individual results will vary significantly based on:
– Your experience level
– Your financial resources
– Market conditions
– Your discipline and execution
– Your risk management
– Factors beyond our control

### 4.4 Risk of Loss
Trading and investing involve **substantial risk of loss**, including the potential loss of all invested capital. You may lose more than your initial investment. You should only trade with money you can afford to lose completely.

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## 5. USER RESPONSIBILITIES AND ACKNOWLEDGMENTS

### 5.1 Your Responsibilities
By using our Services, you acknowledge and agree that:

a) **You are solely responsible** for all your trading and investment decisions.
b) **You will conduct your own research** and due diligence before making any financial decisions.
c) **You will not rely on our Educational Content** as the sole basis for any trading or investment decision.
d) **You understand the risks** of trading and investing, including the risk of total loss.
e) **You will comply with all applicable laws** and regulations in your jurisdiction regarding trading, investing, and taxes.
f) **You will not trade with money** you cannot afford to lose.
g) **You are not seeking personalized investment advice** from us.

### 5.2 Acknowledgment of Educational Nature
You explicitly acknowledge that:
– Our content is educational, not advisory
– We do not know your personal financial situation
– Our content is not tailored to your specific circumstances
– You must make your own independent decisions
– No content should be construed as a recommendation to trade

### 5.3 Minimum Age and Qualifications
You represent that:
– You are at least 18 years old
– You have the legal capacity to trade in your jurisdiction
– You meet any applicable requirements for trading in your jurisdiction

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## 6. ACCOUNT TERMS

### 6.1 Account Creation
To access certain Services, you must create an account. You agree to:
– Provide accurate, current, and complete information
– Maintain and update your information as needed
– Maintain the security and confidentiality of your login credentials
– Accept responsibility for all activities under your account
– Notify us immediately of any unauthorized access

### 6.2 One Account Per Person
Each account is for a single individual user. You may not:
– Share your login credentials with others
– Allow others to access your account
– Create multiple accounts for yourself
– Transfer your account to another person

### 6.3 Account Security
You are responsible for maintaining the confidentiality of your account credentials. We are not liable for any loss or damage arising from your failure to protect your account information.

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## 7. INTELLECTUAL PROPERTY RIGHTS

### 7.1 Our Intellectual Property
All Content on this Website, including but not limited to:
– Course materials and videos
– Strategy frameworks and methodologies
– Templates, indicators, and tools
– Database structures and content
– Written materials and documents
– Graphics, logos, and branding
– Software and code

is owned by SMALLCAP MARKET SYSTEMS LLC or licensed to us and is protected by copyright, trademark, and other intellectual property laws.

### 7.2 Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Content for your personal, non-commercial educational purposes only.

### 7.3 Prohibited Uses
You may NOT:
– Copy, reproduce, or duplicate any Content
– Distribute, sell, or share Content with others
– Create derivative works from our Content
– Record, download, or capture video content
– Share login credentials or course access
– Use Content for commercial purposes
– Reverse engineer any software or tools
– Remove any copyright or proprietary notices
– Claim any Content as your own

### 7.4 Violation Consequences
Violation of our intellectual property rights may result in:
– Immediate termination of your account
– Legal action for damages
– Criminal prosecution where applicable

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## 8. PROHIBITED USES

### 8.1 You Agree NOT To:

a) Use the Services for any unlawful purpose
b) Provide false or misleading information
c) Impersonate any person or entity
d) Interfere with or disrupt the Services
e) Attempt to gain unauthorized access to any systems
f) Use automated means to access the Services without permission
g) Harvest or collect user information
h) Upload malicious code or content
i) Engage in any activity that could damage our reputation
j) Violate any applicable laws or regulations
k) Share, resell, or redistribute any Content
l) Use the Services to provide investment advice to others
m) Make false claims about affiliation with us
n) Harass or abuse other users in our communities

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## 9. PAYMENT TERMS

### 9.1 Pricing
All prices are displayed in U.S. Dollars (USD) unless otherwise indicated. Prices are subject to change without notice.

### 9.2 Payment Processing
Payments are processed through third-party payment processors (such as Stripe or PayPal). By making a purchase, you agree to their terms of service.

### 9.3 Billing Information
You agree to provide accurate and complete billing information and authorize us to charge the payment method provided.

### 9.4 Taxes
You are responsible for any applicable taxes in your jurisdiction. Prices may or may not include taxes depending on your location.

### 9.5 Currency Conversion
If your payment is processed in a different currency, you are responsible for any currency conversion fees charged by your bank or payment provider.

### 9.6 Invoice Information (Mexico/LATAM)
For customers in Mexico requiring a CFDI (factura fiscal), please contact us at info@mariomaldonado.com with your RFC and fiscal information within 7 days of purchase.

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## 10. REFUND POLICY

### 10.1 General Policy
Refunds are governed by our Refund and Returns Policy (/refund_returns/), which is incorporated into these Terms.

### 10.2 Key Points
– Workshops ($98-$500): 30-day satisfaction guarantee
– The Edge Society ($5,000): 30-day satisfaction guarantee; 14-day right of withdrawal for EU/UK customers
– Refunds are based on educational content satisfaction, not trading performance
– Access is revoked upon refund approval

### 10.3 EU Right of Withdrawal
For consumers in the European Union and United Kingdom, you have the statutory right to withdraw from any purchase within 14 days without giving any reason, in accordance with the Consumer Rights Directive. To exercise this right, contact us at info@mariomaldonado.com.

### 10.4 No Performance-Based Refunds
We do NOT provide refunds based on:
– Trading losses
– Failure to achieve trading profits
– Dissatisfaction with trading results
– Market conditions

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## 11. LIMITATION OF LIABILITY

### 11.1 Maximum Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF SMALLCAP MARKET SYSTEMS LLC TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

### 11.2 Exclusion of Damages
WE SHALL NOT BE LIABLE FOR ANY:
– Trading losses or investment losses
– Lost profits or anticipated profits
– Indirect, incidental, special, or consequential damages
– Punitive or exemplary damages
– Loss of data or business interruption
– Damages arising from third-party services
– Damages arising from your trading decisions

### 11.3 No Liability for Decisions
We are not liable for any financial decisions you make based on our Educational Content. You acknowledge that all trading and investment decisions are made solely by you.

### 11.4 Force Majeure
We are not liable for any failure to perform due to causes beyond our reasonable control, including natural disasters, war, terrorism, riots, government actions, or internet failures.

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## 12. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless SMALLCAP MARKET SYSTEMS LLC, and any affiliates, contractors, agents, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from:

a) Your use of the Services
b) Your violation of these Terms
c) Your violation of any rights of third parties
d) Your trading or investment activities
e) Any Content you submit
f) Your violation of any applicable laws

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## 13. DISCLAIMER OF WARRANTIES

### 13.1 “As Is” Basis
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

### 13.2 No Warranties
WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
– Merchantability
– Fitness for a particular purpose
– Non-infringement
– Accuracy or completeness of Content
– Uninterrupted or error-free access
– Security of data transmissions
– Results from using the Services

### 13.3 No Professional Advice
The Content does not constitute professional financial, legal, or tax advice. We make no representations about the suitability of the Content for your particular situation.

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## 14. RISK DISCLOSURE

### 14.1 Trading Risks
**IMPORTANT RISK WARNING:**
Trading and investing in financial markets, including but not limited to stocks, options, futures, forex, and cryptocurrencies, involve substantial risk of loss.

### 14.2 Specific Risks Include:
– **Market Risk:** Markets can move against your position, resulting in losses
– **Volatility Risk:** Small-cap stocks and other instruments can be highly volatile
– **Liquidity Risk:** You may not be able to exit positions at desired prices
– **Leverage Risk:** Leveraged trading can amplify both gains and losses
– **Total Loss Risk:** You may lose all of your invested capital
– **Margin Risk:** You may lose more than your initial investment

### 14.3 Not Suitable for Everyone
Trading is not suitable for all investors. You should carefully consider your investment objectives, experience level, and risk tolerance before trading.

### 14.4 Historical Data Limitations
Historical data, backtesting results, and past performance are not indicative of future results. Market conditions change, and strategies that worked in the past may not work in the future.

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## 15. THIRD-PARTY SERVICES AND LINKS

### 15.1 Third-Party Services
Our Services may reference, recommend, or integrate with third-party services, including:
– Brokers and trading platforms
– Data providers
– Software tools
– Payment processors

### 15.2 No Endorsement
References to third-party services do not constitute endorsement. We are not responsible for:
– The quality or reliability of third-party services
– Changes to third-party services, fees, or features
– Your experience with third-party services
– Any losses resulting from third-party services

### 15.3 Third-Party Changes
Third-party services may change their features, pricing, terms, or availability without notice. Information about third parties may become outdated.

### 15.4 External Links
Our Website may contain links to external websites. We are not responsible for the content, accuracy, or practices of external websites.

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## 16. PRIVACY AND DATA PROTECTION

### 16.1 Privacy Policy
Your use of our Services is also governed by our Privacy Policy (/privacy-policy/), which describes how we collect, use, and protect your personal information.

### 16.2 Data Controller (GDPR)
For purposes of the General Data Protection Regulation (GDPR), the data controller is:

**SMALLCAP MARKET SYSTEMS LLC**
5830 E 2ND ST, STE 7000 #31660
CASPER, WY 82609
United States
Email: info@mariomaldonado.com

### 16.3 GDPR Compliance (EU/EEA/UK Users)
For users in the European Union, European Economic Area, and United Kingdom, we comply with the General Data Protection Regulation (GDPR) and provide the following data subject rights:
– Right to Access your personal data
– Right to Rectification of inaccurate data
– Right to Erasure (“Right to be Forgotten”)
– Right to Restriction of Processing
– Right to Data Portability
– Right to Object to processing
– Rights related to automated decision-making

To exercise any of these rights, contact us at info@mariomaldonado.com.

### 16.4 CCPA Compliance (California Residents)
For California residents, we comply with the California Consumer Privacy Act (CCPA) and provide consumer rights as described in our Privacy Policy, including:
– Right to Know what personal information is collected
– Right to Delete personal information
– Right to Opt-Out of the sale of personal information
– Right to Non-Discrimination for exercising your rights

### 16.5 Mexican Data Protection (LFPDPPP)
For users in Mexico, we comply with the Ley Federal de Protección de Datos Personales en Posesión de los Particulares (LFPDPPP). You may exercise your ARCO rights (Acceso, Rectificación, Cancelación y Oposición) by contacting us at info@mariomaldonado.com.

### 16.6 Data Security
We implement reasonable security measures to protect your information, but no method of transmission over the internet is 100% secure.

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## 17. INTERNATIONAL USERS

### 17.1 Global Access
Our Services are accessible globally, but we make no representations that they are appropriate or available for use in all locations.

### 17.2 Local Laws
You are responsible for compliance with all applicable local laws and regulations in your jurisdiction, including but not limited to:
– Securities and trading regulations
– Tax obligations
– Import/export restrictions
– Privacy laws

### 17.3 Restricted Jurisdictions
We reserve the right to limit or restrict access to our Services in any jurisdiction at our sole discretion.

### 17.4 Language
These Terms are provided in English. If translated into other languages, the English version shall prevail in case of any conflict.

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## 18. DISPUTE RESOLUTION

### 18.1 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to conflict of law principles.

### 18.2 Jurisdiction
For any disputes not subject to arbitration, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Natrona County, Wyoming, United States.

### 18.3 Informal Resolution
Before initiating any formal dispute resolution, you agree to first contact us at info@mariomaldonado.com to attempt to resolve the dispute informally within 30 days.

### 18.4 Consumer Rights Preserved
**For EU/UK consumers:** Nothing in these Terms affects your statutory consumer rights under applicable EU or UK law, including the right to seek redress through your local courts or the European Online Dispute Resolution platform (https://ec.europa.eu/consumers/odr).

**For Mexican consumers:** Your rights under the Ley Federal de Protección al Consumidor are preserved. You may file complaints with PROFECO (Procuraduría Federal del Consumidor).

**For consumers in other jurisdictions:** Your local consumer protection laws may provide additional rights that cannot be waived by these Terms.

### 18.5 Time Limitation
Any claim or cause of action arising from these Terms or your use of the Services must be filed within one (1) year after such claim arose, or be forever barred, except where prohibited by applicable law.

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## 19. TERMINATION

### 19.1 Termination by You
You may terminate your account at any time by contacting us at info@mariomaldonado.com.

### 19.2 Termination by Us
We may terminate or suspend your account immediately, without prior notice, for any reason, including but not limited to:
– Violation of these Terms
– Fraudulent or illegal activity
– Sharing account access with others
– Chargebacks without prior communication
– Abusive behavior toward staff or other users
– Any conduct we deem harmful to our Services or reputation

### 19.3 Effect of Termination
Upon termination:
– Your right to access the Services ceases immediately
– All licenses granted to you are revoked
– You remain liable for any obligations incurred before termination
– Provisions that should survive termination will remain in effect

### 19.4 No Refund Upon Termination for Cause
If we terminate your account for violation of these Terms, you are not entitled to any refund.

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## 20. MODIFICATIONS TO TERMS

### 20.1 Right to Modify
We reserve the right to modify these Terms at any time at our sole discretion.

### 20.2 Notice of Changes
We will provide notice of material changes by:
– Posting the updated Terms on the Website
– Updating the “Last Updated” date
– Sending notice to your registered email (for material changes)

### 20.3 Acceptance of Changes
Your continued use of the Services after any modifications constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Services.

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## 21. SEVERABILITY

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such finding shall not affect the validity of the remaining provisions, which shall remain in full force and effect.

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## 22. ENTIRE AGREEMENT

### 22.1 Complete Agreement
These Terms, together with our Privacy Policy, Disclaimer, and Refund Policy, constitute the entire agreement between you and SMALLCAP MARKET SYSTEMS LLC regarding your use of the Services.

### 22.2 Supersession
This Agreement supersedes all prior agreements, communications, and understandings, whether written or oral, relating to the subject matter of these Terms.

### 22.3 Waiver
Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

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## 23. CONTACT INFORMATION

For questions, concerns, or notices regarding these Terms:

**SMALLCAP MARKET SYSTEMS LLC**

**Registered Address:**
5830 E 2ND ST, STE 7000 #31660
CASPER, WY 82609
United States

**Email:** info@mariomaldonado.com

**Website:** https://mariomaldonado.com

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## ACKNOWLEDGMENT

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.

YOU FURTHER ACKNOWLEDGE THAT:
1. This is an educational service, NOT investment advice
2. Trading involves substantial risk of loss
3. Past performance does not guarantee future results
4. You are solely responsible for your trading decisions
5. No guarantees of profitability or success are made
6. You should consult qualified professionals before investing

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## IMPORTANT LEGAL DISCLAIMERS

**LEGAL ENTITY:** This website is owned and operated by SMALLCAP MARKET SYSTEMS LLC, a Wyoming Limited Liability Company, located at 5830 E 2ND ST, STE 7000 #31660, CASPER, WY 82609, United States.

**NOT FINANCIAL ADVICE:** All content on this website is for educational and informational purposes only. This website does not provide investment advice, financial recommendations, or trading signals. SMALLCAP MARKET SYSTEMS LLC is not a registered investment adviser, financial planner, or securities broker-dealer.

**NO GUARANTEES:** Trading and investing involve substantial risk, including the potential loss of all capital. Past performance, historical examples, and statistical data are for educational illustration only and do not guarantee future results.

**YOUR RESPONSIBILITY:** You are solely responsible for all trading decisions. You should consult with a qualified financial adviser before making any investment decisions. Never trade with money you cannot afford to lose.

**REGULATORY STATUS:** This educational service is not registered with the SEC, FINRA, FCA, ESMA, CNBV, or any other financial regulatory authority. This is not a regulated investment service.

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© 2025 SMALLCAP MARKET SYSTEMS LLC. All Rights Reserved.

*Last Updated: December 26, 2025*