FMS University provides products that are classified as “Digital Goods” and “Intellectual Property.” Unlike physical merchandise, digital assets cannot be physically sent back, restored to an “unopened” state, or removed from the purchaser’s knowledge base once viewed. Consequently, FMS University enforces a strict Zero Return Policy.

By accessing our platform, you acknowledge that all sales of educational courses, proprietary books, market analysis, and Expert Advisor (EA) software are final and non-returnable.

2. SCOPE OF THE POLICY

This Zero Return Policy applies to the following categories without exception:

• Proprietary Trading Concepts: All video and text-based modules regarding SMC, ICT, and CRT methodologies.

• Software & Algorithms: License keys and downloadable files for Expert Advisors (EAs).

• Digital Publications: PDF books, manuals, and strategy guides.

• Analytical Services: Real-time chart analysis and market breakdown subscriptions.

3. THE “NON-TANGIBLE” CLAUSE

In accordance with international digital commerce standards, a “return” is only possible when a product can be restored to the seller in its original, unused condition.

• Instant Consumption: Because our trading strategies and software are delivered via instant download or streaming, the value of the product is transferred to the user immediately upon purchase.

• Knowledge Retention: Once a student has viewed the proprietary logic of FMS University, the intellectual property has been consumed. Therefore, the asset is considered “used” and is ineligible for any form of return or exchange.

4. EXPERT ADVISOR (EA) LICENSING

For all automated trading tools provided by FMS University:

• Once a license key is generated or a .ex4/.ex5 file is downloaded, the software is deemed “active.”

• We do not accept returns based on a student’s inability to install the software if they refuse technical assistance, nor do we accept returns based on the trading performance results of the EA.

5. PROTECTION AGAINST PIRACY AND UNAUTHORIZED SHARING

The Zero Return Policy also serves as a security measure for our community.

• FMS University does not allow “exchanges” (e.g., returning one course to get another).

• Any attempt to “return” a product after downloading it—while retaining the files locally—is considered a violation of our Intellectual Property rights. We monitor all download timestamps and IP addresses to ensure the integrity of our digital distribution.

6. UNAUTHORIZED THIRD-PARTY CHANNELS

This policy applies only to products purchased through the official FMS University portal.

• If you have obtained FMS University materials through a “leaked” site or a third-party reseller, you have no legal relationship with FMS University.

• We do not accept returns, provide updates, or offer technical support for any products not purchased directly from our official servers.

7. TECHNICAL SUPPORT INSTEAD OF RETURNS

We understand that technical hurdles can occur. While we maintain a Strict Zero Return stance, we offer comprehensive support:

• If a download link fails, we will provide a new one.

• If a video file does not play, we will provide an alternative viewing format.

• If an EA does not attach to your chart, we will provide a setup consultation.

Our goal is to ensure you can use the product you purchased, but we will not under any circumstances accept a return of digital knowledge.

8. FINAL ACKNOWLEDGMENT

By clicking the “Complete Purchase” button on any FMS University product, you are confirming that you have read this Return Policy and understand that no digital asset provided by this University can be returned, exchanged, or credited back for any reason.