Legal

Terms of service.

The agreement between you and The Collective. If anything here is unclear, ask us before you pay rather than after.

Who we are

The Collective runs a private futures trading mentorship. In these terms, "we" and "us" mean The Collective, and "you" means the person buying or taking part in the programme. You can reach us on Whop.

By buying, joining or taking part, you confirm that you have read these terms and agree to them. If you do not agree to them, do not buy.

What you are buying

A three-month mentorship delivered in small groups. It includes live sessions, review of the trades you submit, and access to the student group. Some places also include private one-to- one calls; what is included in yours is whatever we agreed with you in writing before you paid.

This is education. We teach, we review what you did, and we tell you what we think. That is the product.

What you are not buying

• We do not manage money or hold your money.
• We do not place trades for you, and we never have access to your trading account.
• We do not issue trading signals, alerts, or calls to enter or exit a position.
• We do not give personalised investment advice, and nothing we say is a recommendation to buy or sell any instrument.
• We are not registered investment advisers, broker-dealers or commodity trading advisers.
• We do not promise a profit, a return, or any particular outcome.

Every trade you place is your decision, in your account, with your money.

Who can join

You must be at least 18 and legally able to enter a contract where you live. We can decline or end anyone's place. If we end it for any reason other than the conduct rules below, we refund the part of the programme you paid for and did not receive.

Paying

Prices, and whether you pay once or in instalments, are agreed with you before you start. Payment is taken through our payment provider; we never see or store your full card details.

If you are on an instalment plan, each instalment is due on the agreed date. If one fails we will tell you and give you seven days to resolve it. After that we can suspend your access until it is paid, and a plan more than 30 days in arrears can be cancelled, with the amount already paid non-refundable.

The platforms we use

Access, payment and the student group run on third-party platforms. You will need an account with them, and their terms apply to you alongside ours. We choose them carefully but we do not control them: an outage, a change to their rules, or their decision to close your account is outside what we can fix and outside what we are liable for. If a platform becomes unworkable for us, we will move you to another one and carry your access across.

Refunds

There are no refunds once the programme has started. We would rather state that plainly here than bury it. This is a three-month commitment and it works on people who have made one.

Two exceptions. If we end your place for any reason other than the conduct rules below, you get back the part you paid for and did not receive. And where the law you live under gives you a cancellation right that cannot be waived, that law takes precedence over this section.

The full refund policy covers payment plans, cancelling a monthly membership, and chargebacks.

Your place is yours

You have bought one place for one person. Keep your login details private; anything done from your account we will treat as done by you. You may not sell, lend, share or transfer your place, and doing so ends it without a refund.

How we expect you to behave

Sessions and the group are shared with other students.

• Take part honestly, and submit the trades you actually placed.
• Treat other students and our team with respect.
• Do not harass, abuse or threaten anyone.
• Do not impersonate our team or another student.
• Do not advertise, recruit or sell to the group without our permission.
• Do not record, republish, resell or leak our material, or anything another student shares in confidence.

Breaking these ends your access without a refund.

Our material

Everything we teach, write, record or hand you — lessons, recordings, frameworks, session materials, posts our team makes in the group, our branding and this website — remains ours or our licensors'. You receive a personal, non-transferable licence to use it while you are a member and for your own trading afterwards. You may not teach it as yours, sell it, publish it, or pass it to anyone who has not paid for it.

Things you post

Anything you post in the group stays yours. By posting it you let us keep it in the group and use it to run the programme. If we want to use something you wrote publicly, as a testimonial or in a case study, we will ask you first.

Changes to the programme

We may change the schedule, the material, the platforms we use and the way sessions are run. We will not reduce what we agreed to deliver on a programme you have already paid for. Beyond that, no particular feature, channel or session format is guaranteed to remain available indefinitely.

What we are responsible for

We are responsible for delivering the programme we sold you. We are not responsible for your trading results, for money you lose in the market, or for decisions you make on the back of something you heard in a session. Losses in your own account are yours.

We provide the programme as it is. We do not warrant that sessions will be free of errors, that a platform will be continuously available, or that the material will suit your particular circumstances.

Where the law allows us to limit it, we are not liable for trading or investment losses, lost profits, missed opportunities, loss of data, or indirect, consequential or punitive damages. Our total liability to you for any claim is capped at what you paid us in the twelve months before it arose. Nothing here limits liability the law does not allow us to limit, including for fraud.

If you cause the problem

If a third party brings a claim against us because of something you did — reselling our material, posting something you should not have, breaking the law, or representing our teaching as advice that someone else then relied on — you cover the reasonable costs that claim causes us. This does not apply to anything that was our fault.

Ending it

You can stop taking part at any time; that does not create a refund. We can end your place for a breach of the conduct rules, for non-payment, or for a chargeback filed without contacting us first. On termination your access stops, including any unused part of a membership period.

Changes to these terms

We may update these terms. If a change is material we will tell you before it takes effect, and it will not change the deal on a programme you have already paid for. Continuing to take part after a change has taken effect means you accept it.

Which law applies

These terms are governed by the laws of the State of North Carolina, and any dispute goes to the state or federal courts there. If you live somewhere with consumer protections that cannot be waived, you keep them.

The rest

If a court strikes out part of these terms, the rest stands. Not enforcing something once does not waive it. These terms, together with the refund policy, the privacy policy, the risk disclaimer and whatever we agreed in writing when you enrolled, are the whole agreement between us.

We may transfer these terms to a company formed to run The Collective, or to a buyer if the business is sold; your deal does not change if we do. You may not transfer yours without our written consent.

Questions

Message us on Whop and a person will answer.

Last updated 9 September 2026. If we change this we will change the date, and if the change is a material one we will say so before it takes effect.