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Disclaimer & Refund Policy

Effective Date: December 30, 2025 | Last Updated: March 18, 2026

Welcome to Strata, a product of Northstone Holdings LLC ("Company," "we," "us," or "our"). By purchasing, accessing, or using any product or service offered by Strata — including but not limited to the Strata automated trading software, educational content, community access, and related digital resources — you ("Customer," "you," or "your") agree to be bound by the following Terms of Service and Refund Policy. Please read this document carefully before completing your purchase.

1. DIGITAL PRODUCT DISCLOSURE

All products and services offered by Strata are digital in nature and delivered electronically upon purchase. This includes, but is not limited to:
The Strata automated trading software and associated configuration files
Trading settings, presets, and optimization configurations
Educational video content and onboarding materials
Community and platform access
Digital resources, guides, and support documentation
No physical goods are shipped. Delivery is considered complete upon the Customer being granted access to the Strata digital platform, community, software, or any associated materials through our platform or any related website.

2. NO GUARANTEED RESULTS

IMPORTANT DISCLAIMER: Trading foreign exchange, futures, options, and other financial instruments on margin carries a high level of risk and may not be suitable for all investors. The high degree of leverage can work against you as well as for you. By using any Strata product or service, you acknowledge and agree to the following:

Trading involves substantial financial risk. You may lose some or all of your invested capital. Only trade with funds you can afford to lose entirely.
No results are guaranteed. Northstone Holdings LLC makes no representation, warranty, or guarantee that any product, software, strategy, or educational content will produce profits or prevent losses.

Past performance does not guarantee future results. Any performance data, testimonials, or historical results referenced by Strata or its community are not indicative of future performance.

Users may lose money. Automated trading systems, including Strata, are subject to market volatility, technical failures, and other risks that may result in financial losses.

Strata does not provide financial, investment, tax, or legal advice. All content is for educational and informational purposes only. You should consult a licensed professional before making any financial decisions.

All trading decisions are made solely by the Customer. You are fully responsible for every trade executed on your account, whether manually or through automated software.

3. USER RESPONSIBILITY

You acknowledge that you are solely responsible for:
Proper setup and configuration of Strata, including installation on your trading platform and VPS environment.
Broker selection — choosing a reputable, regulated broker that supports automated trading.
VPS and internet reliability — maintaining a stable Virtual Private Server and internet connection to ensure uninterrupted software operation.
Risk management — setting appropriate lot sizes, stop-loss levels, and account exposure limits.
Account monitoring — regularly reviewing your trading account activity, open positions, and performance.
Understanding trading risks — educating yourself on the risks associated with leveraged financial instruments and automated trading systems.
Strata provides tools, education, and support to assist you, but the ultimate responsibility for your trading account and financial decisions rests entirely with you.

4. REFUND POLICY

All sales are final once the Customer receives access to the digital platform, software, community, educational materials, videos, downloadable resources, or automated tools.

Due to the digital and immediately-accessible nature of our products, the following refund terms apply:
Access constitutes delivery. Upon gaining access to the Strata community, platform, or any associated digital content, the product is considered fully delivered.

Usage voids refund eligibility. Watching any video content, downloading any files, receiving software or configuration access, joining community channels, or accessing any automated trading tools constitutes usage and voids your eligibility for a refund.
Chargebacks. Chargebacks or payment disputes filed after access has been granted and delivery confirmed may be disputed by Northstone Holdings LLC using access logs, delivery timestamps, platform usage records, and other documentation demonstrating product delivery and usage.
Misuse voids all eligibility. Unauthorized sharing, redistribution, account abuse, fraudulent activity, or any form of misuse immediately voids any refund eligibility or claim against Northstone Holdings LLC.

5. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Northstone Holdings LLC, its owners, officers, employees, agents, affiliates, and partners shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to:

Trading losses of any kind, whether resulting from use of Strata software, educational content, or any other product or service.

Broker issues, including but not limited to execution delays, slippage, requotes, spread widening, or broker insolvency.

Platform downtime or interruptions to the Strata platform, trading platforms, or any third-party service.

VPS failures, internet outages, or hardware/software malfunctions.

Market volatility, black swan events, or adverse economic conditions.

Missed profits, unrealized gains, or opportunity costs.

Technical interruptions or errors in automated trading execution.

In no event shall the total aggregate liability of Northstone Holdings LLC exceed the amount actually paid by the Customer for the specific product or service giving rise to the claim.

6. ACCOUNT TERMINATION

Northstone Holdings LLC reserves the right to immediately suspend, restrict, or permanently revoke your access to any or all products and services, without refund or prior notice, for any of the following reasons:

Fraud — any fraudulent activity, including identity fraud, payment fraud, or misrepresentation.

Abuse — misuse of the platform, software, or support resources.

Harassment — threatening, abusive, or harassing behavior toward staff, team members, or community members.

Chargebacks — filing a payment dispute or chargeback after receiving access to digital products.

Unauthorized redistribution — sharing, reselling, copying, reverse-engineering, or distributing any Strata software, content, or materials.

Violation of community rules — breaching the community guidelines or code of conduct established within the Strata platform.

7. DISPUTE RESOLUTION

7.1 Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the State of Ohio, United States of America, without regard to its conflict of law provisions.

7.2 Mandatory Arbitration
Any dispute, claim, or controversy arising out of or relating to these Terms, or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration administered in Stark County, Ohio. The arbitration shall be conducted by a single arbitrator in accordance with the rules of the American Arbitration Association ("AAA"). Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

7.3 Class Action Waiver
YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration against Northstone Holdings LLC. If for any reason a claim proceeds in court rather than arbitration, each party waives any right to a jury trial.

8. INTELLECTUAL PROPERTY
All software, content, materials, designs, trade names, trademarks, and intellectual property provided by Strata remain the exclusive property of Northstone Holdings LLC. Your purchase grants you a limited, non-exclusive, non-transferable, revocable license to use the products and services for personal use only. You may not reproduce, distribute, modify, reverse-engineer, or create derivative works from any Strata material without prior written consent.

9. MODIFICATIONS TO TERMS
Northstone Holdings LLC reserves the right to update, modify, or replace any part of these Terms of Service and Refund Policy at any time. Changes become effective upon posting to our platform. Continued use of any Strata product or service after changes are posted constitutes acceptance of the revised terms. It is your responsibility to review these terms periodically.

10. ACKNOWLEDGEMENT
By completing your purchase and accessing any Strata product or service, you acknowledge and confirm that:
You have read, understood, and agree to be bound by these Terms of Service and Refund Policy in their entirety.
You understand that trading involves substantial risk and that you may lose some or all of your capital.
You are purchasing a digital product and/or service that is delivered electronically and immediately upon access.
You understand that no earnings, profits, or results are guaranteed by Northstone Holdings LLC, its products, or its representatives.
You agree to the Refund Policy outlined in Section 4.
You are of legal age in your jurisdiction to enter into a binding agreement and to engage in leveraged financial trading.
You have not been advised by Northstone Holdings LLC to make any specific financial, investment, tax, or legal decisions.

11. CONTACT INFORMATION
For questions regarding these terms or refund requests, please contact us at:
Email: contact@tradewithstrata.com
Address: 6545 Market Avenue N, STE 100, North Canton OH 44721
© 2025–2026 Northstone Holdings LLC. All rights reserved.