Refund Policy

Last Updated: September 18th, 2026

This Refund Policy is incorporated into and forms part of the Terms of Use between you and ABTrades, LLC (a Texas limited liability company operating in Tennessee), d/b/a Self Operating Brokerage ("Company," "we," "us," or "our"). By purchasing a subscription to the Service, you acknowledge that you have read and agree to this Refund Policy.

This Refund Policy applies to the Self Operating Brokerage subscription product priced at $997 per year, billed annually, as well as any other products or services offered by the Company through the Website at https://www.selfoperatingbrokerage.com.

OVERVIEW

We stand behind the Service with a two-part guarantee structure designed to give you confidence in your purchase and protection if the Service does not perform as described. The first part is the 14-Day Right Fit Guarantee, which allows you to request a full refund within 7 days of purchase for any reason. The second part is the 90-Day Performance Guarantee, which provides a full refund if the Service does not produce at least $1,000 in net realized profits during your first 90 days of active use under the conditions described below.

These two guarantees work together. The 14-Day Right Fit Guarantee covers your initial evaluation period. The 90-Day Performance Guarantee covers your first three months of active use. If you meet the conditions of either guarantee, you are entitled to the remedies described in this Refund Policy.

PART 1: THE 14-DAY RIGHT FIT GUARANTEE

For the first 14 days after your purchase, you may request a full refund of your $997 subscription fee for any reason, no questions asked.

How to Qualify. You are eligible for the 14-Day Right Fit Guarantee if you submit your refund request within 14 calendar days of your original purchase date. No proof of use is required. No forms to fill out. No "show us you tried." You ask, we refund.

How to Request. To request a refund under the 14-Day Right Fit Guarantee, email [email protected] with the subject line "14-Day Refund Request" and include your account email address or order number. We will process your refund within five (5) business days of receiving your request. The refund will be issued to the original payment method used for the purchase.

Effect of Refund. Upon processing your 14-Day refund, your subscription will be canceled, your access to the Service will be terminated, and your brokerage connections will be disconnected. You will not be charged any further amounts. Any brokerage API credentials associated with your account will be deleted in accordance with our Privacy Policy.

Trial Periods. If you accessed the Service through a free trial or promotional period before being charged, the 14-Day Right Fit Guarantee does not apply. The trial period itself served as your evaluation window. If you were charged after a trial period because you did not cancel before the trial ended, you are not entitled to a refund under the 14-Day Right Fit Guarantee, as you already had ample opportunity to experience the software and cancel before being billed. You may still be eligible for the 90-Day Performance Guarantee described below.

PART 2: THE 90-DAY PERFORMANCE GUARANTEE

We are so confident in the Service that if you use it as directed and it does not produce at least $1,000 in net realized profits during your first 90 days, we will refund your full $997 subscription fee and you will keep access to the Service for the remainder of your subscription year.

How to Qualify. You are eligible for the 90-Day Performance Guarantee if all of the following conditions are met:

(i) You allocate at least $25,000 of your own capital to any single automated income system (Income System) within the Service for a continuous period of 90 calendar days beginning from the date you first activate an Income System with the required capital allocation.

(ii) You do not turn off the Income System, deactivate the bot, or manually override the system's automated trading decisions during the 90-day period. The system must be allowed to operate as designed without manual intervention.

(iii) You do not modify the Income System's core settings in a way that materially alters its intended operation during the 90-day period. Routine adjustments permitted within the platform's standard interface, such as adjusting allocation amounts upward, do not void the guarantee. Disabling the risk management algorithm, changing the strategy type, or manually closing positions opened by the system does void the guarantee.

(iv) Your brokerage account remains connected and in good standing throughout the 90-day period. If your brokerage connection is interrupted due to issues on your end, such as API credential revocation, account freeze, or broker-side restrictions, and you do not restore the connection within 72 hours, the 90-day clock pauses until the connection is restored.

(v) The $1,000 threshold is measured as net realized profits on closed positions executed by the Income System during the 90-day window. Net realized profits means gross realized gains minus brokerage commissions, fees, and any slippage incurred on trades executed by the system. Unrealized gains or losses on open positions are not counted toward the threshold. Profits are verified through your brokerage statements or transaction history exported from your brokerage account.

(vi) You submit your refund request within 14 calendar days after the end of your 90-day evaluation period.

How to Request.

To request a refund under the 90-Day Performance Guarantee, email [email protected] with the subject line "90-Day Performance Guarantee Claim" and include the following:

Your account email address or order number

The Income System you activated and the date you first allocated $25,000

Brokerage statements or transaction history showing all trades executed by the Income System during the 90-day period, sufficient for us to verify net realized profits

We will review your claim within ten (10) business days of receiving it. If your claim is verified and meets all conditions, we will process your full $997 refund within five (5) business days of verification. The refund will be issued to the original payment method used for the purchase.

Effect of Refund. Upon processing your 90-Day Performance Guarantee refund, your $997 subscription fee is refunded in full, but your access to the Service continues for the remainder of your subscription year. Your brokerage connections remain active. Your Income Systems continue to run. You are not charged any additional fees for the remainder of the current subscription year. At the end of your subscription year, your subscription will renew automatically at the then-current rate unless you cancel before the renewal date, as described in the Subscriptions and Auto-Renewal section of the Terms of Use.

If the Income System subsequently produces profits after the 90-day window but within the same subscription year, those profits are yours to keep. The refund covers your subscription fee only. It does not constitute a waiver of your obligation to pay brokerage commissions, fees, or taxes on any profits generated by the Service.

WHAT THE GUARANTEES DO NOT COVER

The guarantees described above are subject to the following limitations:

No Guarantee of Specific Monthly Returns. The 90-Day Performance Guarantee measures cumulative net realized profits over a 90-day period. It does not guarantee any specific monthly return, any specific percentage return, or any specific annualized return. The $1,000 threshold is a cumulative floor over 90 days, not a monthly promise. Some months may produce more than others. Some months may produce no profits at all. This is normal and expected for a system that ladders positions over time and adjusts to market conditions.

No Coverage for Insufficient Capital Allocation. The 90-Day Performance Guarantee requires a minimum allocation of $25,000 to a single Income System. If you allocate less than $25,000, the guarantee does not apply, regardless of the actual profits produced. The $25,000 threshold is a condition of the guarantee, not a recommendation. You may allocate more than $25,000, but the $1,000 threshold remains the same regardless of how much capital you allocate.

No Coverage for Market Crashes or Black Swan Events. The 90-Day Performance Guarantee is a guarantee that the system functions as designed, not a guarantee that the market will cooperate. If the market enters a sustained downturn and the Income System produces less than $1,000 because the built-in risk management algorithm scaled back positions to protect your capital, that is the system working as designed, not a failure of the system. The risk management algorithm's purpose is to protect your principal during adverse market conditions. Reduced income during risk-off periods is a feature of that protection, not a defect.

No Coverage for Manual Intervention. If you manually turn off the Income System, deactivate the bot, disable the risk management algorithm, manually close positions opened by the system, or otherwise override the system's automated operation during the 90-day period, the guarantee is void. The guarantee requires the system to operate without manual intervention for the full 90 days.

No Coverage for Brokerage-Side Failures. If your brokerage experiences an outage, API disruption, account restriction, or other failure that prevents the Income System from executing trades, and you do not restore the connection within 72 hours, the 90-day clock pauses. However, if the disruption is caused by your brokerage's decision to restrict options trading on your account, freeze your account, or revoke API access for reasons unrelated to the Service, the guarantee may be voided at the Company's discretion. You are responsible for maintaining a brokerage account in good standing that supports options trading and API access.

No Coverage for Incompatible Brokerage Accounts. The guarantee applies only to brokerage accounts connected through supported brokerage providers. If you connect an unsupported or incompatible brokerage and the system cannot execute trades properly as a result, the guarantee does not apply. Supported brokerages are listed on the Website and may be updated from time to time.

No Double Recovery. If you receive a refund under the 14-Day Right Fit Guarantee, you are not eligible for the 90-Day Performance Guarantee, as your subscription has been canceled. If you receive a refund under the 90-Day Performance Guarantee, you are not eligible for an additional refund of the same subscription fee under any other provision of this Refund Policy or the Terms of Use.

REFUNDS OUTSIDE THE GUARANTEE WINDOWS

Annual Subscriptions. If you cancel your subscription after the 14-Day Right Fit Guarantee window has expired and you do not qualify for the 90-Day Performance Guarantee, you will not receive a refund of your $997 subscription fee for the current subscription year. Your access to the Service will continue until the end of your current paid subscription year. Your subscription will not renew for the following year unless you choose to renew.

Cancellation and Auto-Renewal. You may cancel your subscription at any time to prevent future auto-renewal charges. Cancellation stops future billing only and does not refund charges already incurred. To avoid a renewal charge, cancel at least three (3) business days before your next scheduled billing date. Upon cancellation, your access to the Service will continue until the end of your current paid subscription period, after which access will be terminated and your brokerage connections will be disconnected.

No Pro-Rata Refunds. Except as provided in the 14-Day Right Fit Guarantee and the 90-Day Performance Guarantee, all subscription fees are non-refundable. We do not provide pro-rata refunds for partial subscription periods. If you cancel mid-year, you retain access until the end of your subscription year but will not receive a refund for the unused portion.

Price Changes. If the Company changes the subscription price, the new price will apply on your next renewal date following thirty (30) days notice as described in the Terms of Use. You may cancel before the new price takes effect to avoid being charged at the higher rate. Price changes do not entitle you to a refund of amounts already paid at the previous rate.

Premium Tier. If you upgrade to the $4,997/year premium tier for unlimited brokerage account connections, the refund guarantees described in this Refund Policy apply to the base $997 subscription fee only. The additional $4,002 premium for the upgraded tier is subject to the 14-Day Right Fit Guarantee but is not covered by the 90-Day Performance Guarantee. Refund terms for the premium tier may be defined separately and will be provided at the time of upgrade.

CHARGEBACKS AND PAYMENT DISPUTES

If you believe you are entitled to a refund under this Refund Policy, you agree to contact us first at [email protected] before initiating a chargeback or payment dispute with your bank or credit card company. We commit to responding to all refund requests within five (5) business days for 14-Day Right Fit Guarantee claims and within ten (10) business days for 90-Day Performance Guarantee claims.

If you initiate a chargeback without first contacting us and we determine that your refund request would have been honored under this Refund Policy, we reserve the right to dispute the chargeback and provide evidence to your bank or credit card company that a refund was available to you through the proper channel.

If you initiate a chargeback after receiving a refund under this Refund Policy, or if you initiate a chargeback for a subscription fee that is non-refundable under this Refund Policy, we reserve the right to dispute the chargeback, suspend or terminate your account, and pursue collection of the disputed amount.

Initiating a fraudulent or bad-faith chargeback may result in account termination, reporting to payment processing networks, and legal action to recover the disputed amount plus any associated costs and fees.

REFUND PROCESSING

All refunds under this Refund Policy will be issued to the original payment method used for the purchase. Refund processing times depend on your bank or credit card company and may take three (3) to ten (10) business days to appear on your statement after we have processed the refund on our end.

If your original payment method is no longer active or available, we will work with you to process the refund through an alternative method, such as ACH transfer or check. Alternative refund methods may take longer to process.

You will receive an email confirmation when your refund has been processed. If you do not receive a confirmation within the stated timeframe, please contact us at [email protected].

CONTACT US

If you have any questions about this Refund Policy or wish to submit a refund request, please contact us at:

ABTrades, LLC d/b/a Self Operating Brokerage

3416 Redding Rd

Chattanooga, TN 37415

Email: [email protected]

Website: https://www.selfoperatingbrokerage.com

User Portal: https://my.selfoperatingbrokerage.com/login