Terms of Service

Monerio · FZ Group LLC · Last updated: September 26, 2026

Draft – not legal advice.

1. Provider and Scope

FZ Group LLC (brand “Monerio”)

30 N Gould Street, Ste R, Sheridan, WY 82801, USA

Wyoming limited liability company

Represented by: Marc Fischer, Director

Email: hello@fzgroup.io · info@monerio.ai

These Terms of Service (“Terms”) govern all agreements between FZ Group LLC (“we”, “us”) and you regarding the digital education offering sold under the Monerio brand at us.monerio.ai. We sell in our own name and for our own account; payment processing is handled by the service provider ablefy, which does not become a party to your agreement with us. By purchasing, you agree to these Terms.

2. Services

We provide only the following services:

Online course on how prop trading challenges work, risk and money management, and trading rules, delivered via the course platform Memberspot.
Onboarding and support – one personal setup call plus ongoing support via Telegram on business days regarding the use of the materials. We do not guarantee constant availability or a specific response time.
Access to the members’ channel on Telegram, where AI-assisted market analyses are published. Publications depend on market conditions; no specific number or frequency is guaranteed.

We owe the provision of this content and access – not any particular outcome.

3. Nature of the Analyses – No Investment Advice

The analyses published in the members’ channel are general information published unchanged to the entire group. They are expressly not personal recommendations. In particular:

The analyses do not take into account the financial situation, investment objectives, knowledge, experience or risk tolerance of any individual.
They contain no statement that any instrument or idea is suitable or appropriate for a specific person.
Support relates to the use of the materials, not to the evaluation of individual trading decisions.

You make all trading decisions on your own responsibility and execute all orders yourself, in your own trading account. We do not execute or route orders, do not accept, hold or manage client funds, have no access to your trading account, receive no credentials and hold no trading authorization or power of attorney. You are under no obligation to act on any analysis.

4. Relationship to Prop Trading Firms

We are not a prop trading firm and are not affiliated with any prop trading firm through ownership or contract. We receive no commissions, no affiliate compensation and no other consideration from prop trading firms, whether direct or indirect.

You select a prop trading firm yourself and open an account in your own name and for your own account. The account relationship exists solely between you and that firm. We do not introduce, refer, broker or provide accounts, and we have no influence over whether a firm accepts you, treats a challenge as passed or makes a payout. Any fees charged by a prop trading firm are paid by you directly to that firm; we neither cover nor reimburse them.

You access such an account solely through the prop trading firm itself, by signing up directly on its website with your own credentials. There is no technical integration, no single sign-on and no data exchange between Monerio and any prop trading firm.

5. No Licensed Financial Services

We expressly do not provide any of the following:

investment advice
investment brokerage or reception and transmission of orders
contract brokerage
portfolio management
asset management

We are not a bank, financial services institution, investment firm, broker-dealer, registered investment adviser, commodity trading advisor or prop trading firm. We issue no buy or sell recommendations and do not accept or hold client funds. Monerio is an education and information offering.

Accordingly, FZ Group LLC does not hold, and does not require, a financial services or investment license, as it does not carry out any licensable activity, and it is not subject to financial supervision.

6. Risk Disclosure

Trading financial instruments, in particular leveraged products such as foreign exchange (forex), contracts for difference (CFDs), futures and crypto assets, involves substantial risk and can result in the loss of all capital invested.

Past results and testimonials from individual members are not a reliable indicator of future results and are not typical.

We make no promises of profit, return or success. There is no guarantee that you will pass a challenge, receive an account, make a profit or receive a payout. See our full Risk & Earnings Disclaimer.

7. Prices, Payment and Term

Prices are as stated on the order page, in the currency shown there. The agreement is concluded for a one-time payment; there is no subscription and no recurring payment obligation. Payment methods are credit card and bank transfer (wire). The amount shown on the order page is the final price you pay; any taxes or duties levied in your jurisdiction are your responsibility unless stated otherwise.

Access is granted for an unlimited period. Where access is described as “lifetime”, this means without time limit and without further payment for the lifetime of the service. There is no entitlement to the service continuing indefinitely. If we permanently discontinue the service, we will give three months’ notice in writing and refund a pro-rated amount based on a notional service life of 36 months from the date of purchase.

8. Cancellation and Refunds

14-day cancellation. You may cancel your purchase within fourteen days of the purchase date without giving a reason, by sending a clear statement (e.g. by email) to FZ Group LLC, 30 N Gould Street, Ste R, Sheridan, WY 82801, USA, hello@fzgroup.io. Sending your notice before the period expires is sufficient.

Refund. If you cancel validly, we will refund all payments received without undue delay and no later than fourteen days after receiving your notice, using the same payment method you used. You will not be charged any fees for this.

Immediate access. If you expressly request that we grant access to the digital content before the cancellation period ends, and you acknowledge that you thereby lose your right to cancel, your right to cancel ends once access has been granted and we have confirmed your purchase by email. A separate, unchecked checkbox is used for this during checkout. If any of these conditions is not met, your right to cancel remains.

9. Your Obligations and License

You keep your login details confidential, provide accurate information, assess on your own responsibility whether the content is suitable for your circumstances, and comply with the rules of the prop trading firm you choose. You confirm that you are at least 18 years old and have full legal capacity.

Course content and analyses are protected by copyright. You receive a non-exclusive, non-transferable license to use them for your own personal purposes. Sharing login details and forwarding, copying or publishing analyses is prohibited. In the event of serious violations, we may suspend your access after giving you an opportunity to respond; other legal remedies remain unaffected.

10. Limitation of Liability

The services are provided “as is” and “as available”. To the maximum extent permitted by law, we disclaim all implied warranties, including warranties of merchantability and fitness for a particular purpose.

We are not liable for trading losses, lost profits or other financial losses resulting from acting or not acting on any content, because trading decisions and execution rest solely with you (Section 3). We are not liable for the content, availability or conduct of third parties, in particular prop trading firms, brokers, payment providers and Telegram.

To the maximum extent permitted by law, our total liability arising out of or in connection with these Terms is limited to the amount you paid us, and we are not liable for indirect, incidental or consequential damages. These limitations do not apply to liability for intent, gross negligence, fraud, or death or personal injury, or to any liability that cannot be limited under applicable law.

11. Privacy

Information on how we process personal data is set out in our Privacy Policy.

12. Governing Law, Venue and Miscellaneous

These Terms are governed by the laws of the State of Wyoming, USA, without regard to its conflict-of-laws rules. Courts located in Sheridan County, Wyoming, have jurisdiction, unless mandatory law gives you the right to bring proceedings in your place of residence. Nothing in these Terms limits any rights you have under the mandatory consumer protection laws of your state or country of residence.

If any provision of these Terms is held invalid, the remaining provisions remain in effect.

Last updated: September 26, 2026 · Draft – not legal advice.