Terms of Use

Last Updated: 6/6/2026

IMPORTANT — PLEASE READ CAREFULLY. THESE WEBSITE TERMS OF USE (“TERMS”) GOVERN YOUR ACCESS TO AND USE OF THE SITE AND ALL PRODUCTS, CONTENT, AND SERVICES OFFERED THROUGH IT. THESE TERMS CONTAIN A MANDATORY BINDING INDIVIDUAL ARBITRATION AGREEMENT AND CLASS ACTION WAIVER (SECTION 22) THAT AFFECT YOUR LEGAL RIGHTS, INCLUDING WAIVING YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. THEY ALSO INCLUDE SIGNIFICANT DISCLAIMERS OF WARRANTIES AND LIMITATIONS OF LIABILITY. BY ACCESSING OR USING THE SITE, CREATING AN ACCOUNT, PURCHASING ANY PRODUCT, OR CLICKING “I AGREE” OR A SIMILAR BUTTON OR CHECKBOX, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT ACCESS OR USE THE SITE.

Welcome to Ryker Trading. The Site and the products and services offered through it are operated by Redwood Media Group LLC, doing business as Ryker Trading. The Ryker Trading brand and the intellectual property associated with the Site and its content, including course content, videos, written materials, newsletters, research, tools, logos, trademarks, service marks, trade names, and related proprietary rights, are owned by a third-party licensor and used by the Company under license. Your access to or use of the Site constitutes your acceptance of these Terms.

Definitions

“Company,” “we,” “us,” or “our” means Redwood Media Group LLC, doing business as Ryker Trading.

“Ryker Trading” is a trade name, brand, and/or DBA used by Redwood Media Group LLC under license from its intellectual property licensor.

“Site” means www.rykertrading.com and any related subdomains, pages, platforms, checkout pages, membership portals, member content areas, or other online locations through which the Products are marketed, sold, delivered, or accessed.

“Licensed IP” means all intellectual property owned by the Company’s licensor and made available through the Site, including the Ryker Trading brand, course content, videos, written materials, audio recordings, newsletters, research reports, proprietary tools and methods, logos, trademarks, service marks, trade names, website brand assets, and related intellectual property, whether now existing or later developed.

“Products” means, collectively, the prerecorded educational courses (including the Ryker Trading Masterclass), the hardcopy book and any other physical or digital publications, the recurring newsletters, access to proprietary financial market research, access to view-only member content areas, and any other goods, content, subscriptions, or services offered through the Site.

“Content” means all materials made available through the Site by the Company, including text, videos, audio, images, data, research, newsletters, downloadable materials, tools, and software.

1. Electronic Signatures and Communications Consent

You agree to transact business electronically with the Company. Your affirmative act of accessing or using the Site, creating an account, purchasing any Product, or clicking an “I Agree” or similar button or checkbox constitutes your valid and binding electronic signature to these Terms, equivalent to a written signature on a paper contract. You consent to receive communications from the Company electronically, including notices, disclosures, agreements, updates, purchase confirmations, and account-related communications.

2. Eligibility

The Site and Products are intended for individuals who are at least 18 years of age or the legal age of majority in their jurisdiction, whichever is higher, and who possess the full legal capacity to enter into and be bound by these Terms. By accessing or using the Site, you represent and warrant that you meet these requirements. The Site and Products are intended for use by individuals residing in the United States.

3. Description of the Site and Products

The Site provides access to educational and informational products related to financial markets, investing, and trading, which may include prerecorded courses, a hardcopy book, recurring newsletters, proprietary market research, and access to view-only member content areas.

Member content areas are view-only. Any member portal, “community,” or similar area on the Site is provided solely so that members may view content the Company makes available. The Site does not offer interactive, social, messaging, or user-generated content features. Members cannot post, comment, chat, upload, message, or otherwise submit or contribute content. Each Product may be subject to additional product-specific terms as described in Section 8. The Company reserves the right to modify, add, or discontinue any Product at any time as described in Section 20.

4. Accounts and Account Security

Certain Products require you to create an account. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree not to share your credentials with, or permit account access by, any third party. Notify the Company immediately of any unauthorized use of your account. The Company may suspend or terminate your account if it suspects, in its sole discretion, that you have shared credentials, permitted unauthorized access, or otherwise violated these Terms.

5. For Educational and Informational Purposes Only — Not Financial, Investment, Legal, or Tax Advice

All Content and Products are provided strictly for educational and informational purposes. They are designed to provide general knowledge and understanding of financial markets and various investment instruments, including stocks, options, exchange-traded funds, closed-end funds, bonds, and futures. The Content is not, and shall not be construed as, financial advice, investment advice, trading advice, individualized recommendations, or a recommendation or solicitation to buy, sell, or hold any particular security, financial product, or instrument.

The Company is not a registered broker-dealer, registered investment adviser, or financial advisory firm, and its owners, employees, instructors, representatives, and affiliates are not acting as your financial advisors. The Company does not provide personalized trading strategies or direct buy/sell recommendations and does not recommend the use of technical analysis as a sole means of investment research.

Newsletters, research reports, watchlists, screens, scores, indicators, model portfolios, and similar materials are produced for general informational and educational purposes only, reflect the Company’s general observations and opinions as of the date of publication, may become outdated without notice, and must not be relied upon as individualized investment advice. You should consult a qualified, appropriately licensed professional before making any investment, trading, tax, or legal decision. See also the Earnings and Results Disclaimer, incorporated by reference.

6. No Professional Relationship

Your access to or use of the Site or any Product does not create any professional-client relationship between you and the Company, any instructor, or any affiliate, including any advisor-client, fiduciary, broker-client, attorney-client, tax professional-client, or other professional advisory relationship.

7. No Guarantees of Results; Risk Disclosure

The Company does not guarantee any specific financial results, earnings, investment outcomes, trading outcomes, or level of financial success from your use of any Product. Any examples, case studies, illustrations, charts, demonstrations, hypothetical or simulated examples, or model portfolios are illustrative only and are not indicative of future results. Investing and trading involve substantial risk, including the risk of loss of principal, and for certain strategies losses can exceed amounts initially invested. You alone are responsible and accountable for your decisions, actions, investments, trades, and financial outcomes. Past performance is no guarantee of future results.

8. Product-Specific Terms and Incorporated Policies

These Terms are supplemented by the following additional terms and policies, each of which is incorporated by reference and forms part of your agreement with the Company:

The Ryker Trading Masterclass Terms and Conditions of Sale and Use, which govern enrollment in, access to, and use of the prerecorded courses;

The Privacy Policy and Cookie Policy, which describe how we handle personal information and use cookies and similar technologies;

The Refund and Returns Policy and the Subscription and Billing Terms, which govern payments, recurring billing, cancellation, refunds, and returns;

The Earnings and Results Disclaimer and the Accessibility Statement; and

Any product-specific terms presented to you at the point of purchase.

If there is a direct conflict between these Terms and a product-specific term regarding the same subject matter, the product-specific term controls for that Product. Otherwise, these Terms apply.

9. Subscriptions, Auto-Renewal, and Cancellation

Newsletters, research access, member content access, and certain other Products may be offered on a recurring subscription basis. If you purchase a subscription, you authorize the Company and its payment processors to charge your payment method on a recurring basis (for example, monthly or annually) at the then-current price, plus any applicable taxes, until you cancel.

Automatic renewal. Unless otherwise stated at purchase, subscriptions automatically renew at the end of each billing period. You will be charged using the payment method on file at the renewal rate disclosed to you. You may cancel at any time through your account settings or by contacting the Company at [email protected]. Cancellation takes effect at the end of the then-current billing period, and you will retain access until that period ends. The Subscription and Billing Terms govern recurring charges in greater detail and are incorporated by reference.

The Company may change subscription pricing or features prospectively; material price changes applicable to your subscription will be communicated before they take effect. Except as required by applicable law or as stated in the Refund and Returns Policy, fees already paid are non-refundable.

10. Physical Products and Shipping

If you purchase the hardcopy book or any other physical Product, the Company or its fulfillment provider will ship the Product to the address you provide. You are responsible for providing an accurate shipping address. Title and risk of loss for physical Products pass to you upon delivery to the carrier, except where prohibited by applicable law. Estimated delivery times are estimates only and are not guaranteed. Returns and exchanges for physical Products, if any, are governed by the Refund and Returns Policy.

11. Payments, Failed Payments, and Chargebacks

You agree to pay all fees associated with your purchases at the prices in effect when the charge is incurred, plus applicable taxes. Payments are processed by third-party payment processors, and you agree to their terms. If your payment method fails, the Company may notify you, retry the charge, and suspend or terminate access if payment is not rectified within a reasonable time.

You agree not to initiate a payment chargeback without first attempting to resolve the issue directly with the Company. The Company reserves the right to dispute any chargeback it believes, in its sole discretion, is unjustified, to immediately suspend or terminate your access upon a chargeback, and to pursue collection of any amounts owed, including fees incurred as a result of the chargeback.

12. Refund Policy

Refund eligibility varies by Product and is governed by the Refund and Returns Policy and by any terms presented at the point of purchase. Digital Products and access-based Products (including the Masterclass, newsletters, research access, and member content access) are generally final and non-refundable once access has been granted, except where a refund is required by applicable law. By purchasing, you acknowledge and agree to the applicable refund terms.

13. Intellectual Property; Licensed IP and Limited License

All intellectual property associated with the Site, the Products, the Content, and the Ryker Trading brand is owned by the Company’s licensor, except for third-party materials used under license, fair use, or other applicable rights. The Ryker Trading name, logo, brand identifiers, trademarks, service marks, trade names, and slogans are owned by the Company’s licensor and used by the Company under license.

Subject to your compliance with these Terms and payment of applicable fees, the Company grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and view the Content and Products solely for your own individual, non-commercial educational purposes. No sale, transfer, assignment, pledge, ownership interest, resale right, sublicensing right, derivative-work right, or commercial-use right in the Licensed IP is granted to you. All rights not expressly granted are reserved by the Company and its licensor.

You are prohibited from copying, reproducing, distributing, selling, reselling, sublicensing, publicly displaying, publishing, uploading, sharing, or creating derivative works from the Content or Licensed IP; from using any automated means (including scraping, bots, crawlers, screen-recording, or artificial-intelligence extraction or training tools) to access, copy, summarize, extract, train on, or redistribute the Content; from circumventing any access controls or technological protection measures; and from using the Ryker Trading brand in any manner suggesting affiliation, sponsorship, or endorsement without express written permission. Any unauthorized use may result in immediate termination of access and the pursuit of all available legal and equitable remedies, including injunctive relief.

14. Acceptable Use and Member Access

Your access to the Site and to any member content area is for your personal, non-commercial use only and is subject to the license in Section 13. Member content areas are provided on a view-only basis; the Site does not offer posting, commenting, messaging, uploading, or other interactive or user-generated content features, and you agree not to attempt to use the Site as though it did. You agree not to:

violate any applicable law or regulation, or use the Site for any unlawful, fraudulent, or abusive purpose;

infringe or misappropriate any copyright, trademark, trade secret, or other intellectual-property or proprietary right of the Company, its licensor, or any third party;

copy, record, screen-capture, download (except where expressly permitted), reproduce, republish, distribute, resell, or otherwise redistribute any Content or Licensed IP, including any newsletter, research, course, or member content;

use any bot, scraper, crawler, spider, data-mining tool, or artificial-intelligence extraction or training tool to access, collect, copy, summarize, or extract Content or data from the Site;

circumvent, disable, or interfere with any access control, paywall, password protection, digital-rights-management, or other security or technological protection measure;

share, sell, or transfer your login credentials or account access, or access the Site using another person’s credentials;

attempt to gain unauthorized access to the Site, any account, or any system or network, or interfere with or disrupt the Site, its servers, or its security; or

harvest or collect information about other users, or impersonate any person or entity.

The Company may investigate suspected violations and may suspend or terminate your access, with or without notice, for any violation of this Section or these Terms, in addition to pursuing any other available remedy. The Company is not required to provide a refund in connection with any suspension or termination for a violation.

15. Third-Party Platforms, Services, and Links

The Site may reference, demonstrate, integrate with, or link to third-party platforms, brokerages, data providers, charting services, software, websites, products, or other resources. The Company is not affiliated with, endorsed by, or responsible for the content, accuracy, security, legality, availability, or functionality of any third party unless expressly stated in writing. Your use of any third-party service is at your own risk and subject to that third party’s terms and policies. Some content on the Site is advertising or promotional, and certain other brands, products, or links we promote may be owned by, affiliated with, or compensated arrangements of the Company; where the Company has a material connection to a linked or promoted product, it will disclose that connection as required by applicable law.

16. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE, THE PRODUCTS, AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, OR THAT THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. THE COMPANY DOES NOT WARRANT THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY CONTENT, INCLUDING ANY RESEARCH, NEWSLETTER, TOOL, OR DATA. YOUR USE OF THE SITE AND PRODUCTS IS AT YOUR OWN RISK.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF THE COMPANY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE, THE PRODUCTS, THE CONTENT, OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID THE COMPANY IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100). THIS CAP APPLIES TO DIRECT DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS AFFILIATES, OWNERS, MANAGERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, CONTRACTORS, LICENSORS, LICENSEES, INSTRUCTORS, SUCCESSORS, AND ASSIGNS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, INVESTMENT OR TRADING LOSSES, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF (OR INABILITY TO USE) THE SITE OR PRODUCTS, OR YOUR RELIANCE ON ANY CONTENT OR ANY INVESTMENT, TRADING, TAX, LEGAL, OR FINANCIAL DECISION. THIS LIMITATION APPLIES UNDER ANY LEGAL THEORY AND WHETHER OR NOT THE COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

A. Time Limitation for Claims

Any claim arising out of or relating to the Site, the Products, the Content, or these Terms must be filed within one year after the claim arose, or be forever barred, to the fullest extent permitted by law.

B. Limitation of Recourse to Company Assets

The Company is the operating company that provides customer access to the Products and operates under a license from a third-party intellectual property owner. You are not in privity of contract with any such licensor, and no such licensor is a party to these Terms. Any claims you may assert arising out of or relating to these Terms, the Site, or the Products shall be enforceable only against Redwood Media Group LLC and only against assets legally owned by it. You waive and release any right to seek recourse against any past, present, or future owner, member, manager, officer, director, employee, agent, contractor, instructor, licensor, licensee, or affiliate of the Company, or their personal assets, except to the extent such waiver is prohibited by applicable law. This limitation of recourse is a material inducement for the Company to provide the Products and forms an essential basis of this agreement.

18. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its affiliates, owners, members, managers, officers, directors, employees, agents, contractors, representatives, licensors, licensees, instructors, successors, and assigns from and against any claims, demands, liabilities, damages, losses, judgments, settlements, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to: your breach of these Terms or any incorporated policy; your violation of any law or any intellectual-property or other right; your use of the Site or any Product; any claim by a third party who gained access to the Site or Content through your account or credentials; or any investment, trading, financial, tax, legal, or business decision you make. This obligation survives termination.

19. Privacy

The Company’s collection, use, storage, sharing, and protection of your personal information are governed by the Privacy Policy and Cookie Policy, available via prominent links on the Site and incorporated by reference into these Terms. Please review them carefully.

20. Modifications to the Site, Products, and Terms

The Company reserves the right to modify, update, replace, suspend, or discontinue, temporarily or permanently, the Site or any Product, with or without notice, and shall not be liable to you or any third party for doing so. The Company may revise these Terms from time to time. The most current version will be posted on the Site with an updated “Last Updated” date. By continuing to access or use the Site after revisions become effective, you agree to be bound by the revised Terms. If you do not agree, you must stop using the Site.

21. Termination

The Company may suspend or terminate your access to the Site or any Product at any time, with or without cause or notice, including for any violation of these Terms or any incorporated policy. Upon termination, your license to access the Content ends, though provisions that by their nature should survive (including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution) will survive.

22. Governing Law, Jurisdiction, and Dispute Resolution

A. Governing Law and Jurisdiction

These Terms and any dispute arising out of or relating to them, the Site, the Products, or the Content, including non-contractual disputes, shall be governed by the laws of the State of Texas, without regard to its conflict-of-law provisions. Any suit, action, or proceeding not subject to arbitration shall be instituted exclusively in the federal or state courts located in the State of Texas, and you irrevocably submit to the exclusive personal jurisdiction of such courts. These Terms apply solely between you and the Company; no third party is a party to this dispute-resolution provision.

B. Informal Resolution

You and the Company agree to first attempt to resolve any dispute through good-faith informal negotiation for 30 days after written notice before pursuing more formal mechanisms.

C. Mediation

If a dispute is not resolved informally within 30 days, the parties agree to attempt mediation administered by a mutually agreed mediator in Texas, sharing the mediator’s fees equally unless applicable law requires otherwise.

D. Binding Arbitration

If mediation does not resolve the dispute, or is not pursued, any dispute arising out of or relating to these Terms, the Site, the Products, or the Content will be settled by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, by a single arbitrator, seated in Texas unless applicable law requires otherwise. The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

E. Waiver of Jury Trial

BY AGREEING TO ARBITRATION, YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND TO HAVE A DISPUTE HEARD IN COURT, EXCEPT AS SPECIFIED HEREIN, AS WELL AS RIGHTS TO MORE EXTENSIVE DISCOVERY AND APPEAL THAN ARE AVAILABLE IN ARBITRATION.

F. Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND THE COMPANY AGREE THAT DISPUTES WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, COLLECTIVE, OR REPRESENTATIVE ACTION. THIS PROVISION SURVIVES TERMINATION OF THESE TERMS.

23. General Provisions

A. Severability

If any provision is held invalid, illegal, or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable, or if that is not possible, deemed deleted, without affecting the remaining provisions.

B. Entire Agreement

These Terms, together with the policies and product-specific terms incorporated by reference, constitute the entire agreement between you and the Company regarding the Site and supersede all prior understandings regarding the same subject matter. Nothing in these Terms transfers any ownership in the Licensed IP to you.

C. No Waiver

The Company’s failure or delay in enforcing any right or provision is not a waiver of it. Any waiver must be in writing and signed by an authorized representative of the Company.

D. Assignment

You may not assign or transfer your rights or obligations under these Terms without the Company’s prior written consent; any attempt to do so is void. The Company may freely assign these Terms. The licensor retains all rights to the Licensed IP and may manage those rights independently of these Terms.

E. Force Majeure

The Company shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including acts of God, natural disasters, governmental actions, war, terrorism, civil unrest, epidemic, pandemic, labor disputes, telecommunications or power failures, cyberattacks, or failures of third-party technology, hosting, or payment providers.

F. Headings and Interpretation

Headings are for convenience only. “Including” and similar terms mean “including without limitation.”

24. Geographic Scope and Compliance with Laws

The Site and Products are intended for individuals residing in the United States. The Company makes no representation that the Site, Products, or Content are appropriate or available for use outside the United States. You are solely responsible for compliance with all laws applicable to you in your jurisdiction.

25. Contact

Questions about these Terms may be directed to: Redwood Media Group LLC, doing business as Ryker Trading, 8051 North Tamiami Trail, Suite E6, Sarasota, FL 34243, [email protected].  

26. Acceptance

By accessing or using the Site, creating an account, purchasing any Product, or clicking “I Agree” or a similar button or checkbox, you acknowledge that you have read, understood, and agree to be bound by these Terms and all policies incorporated by reference.