TERMS OF SERVICE

Last updated: January 1, 2026

Welcome to SwingMarkets.com (the “Platform”). These Terms of Service (“Terms”) govern your access to and use of the SwingMarkets website, services, content, and marketplace features. By accessing or using the Platform, you agree to be bound by these Terms.

If you do not agree to these Terms, you may not access or use the Platform.

1. Operator Information

SwingMarkets is a digital marketplace and educational platform operated by Lotus Technology Solutions LLC (“Lotus,” “we,” “us,” or “our”).

All references to “SwingMarkets,” “the Platform,” “we,” “us,” or “our” refer to the SwingMarkets platform operated by Lotus Technology Solutions LLC.

2. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Platform. By using SwingMarkets, you represent and warrant that you meet this requirement and have the legal capacity to enter into these Terms.

3. Nature of the Platform

SwingMarkets provides:

• Educational content related to trading and financial markets

• A marketplace connecting learners with independent expert traders (“Expert Traders”)

• Digital products, services, events, memberships, tools, and physical goods offered by third-party vendors

SwingMarkets does not provide financial, investment, legal, or tax advice.

4. No Financial Advice

All content, services, events, memberships, tools, and communications provided through the Platform are for educational and informational purposes only.

• Nothing on the Platform constitutes financial, investment, or trading advice

• No recommendations or guarantees of profitability are made

• Past performance does not guarantee future results

• Trading involves substantial risk of loss and is not suitable for all investors

You are solely responsible for your trading and investment decisions.

Please review our Risk Disclaimer for additional information.

5. Expert Traders and Vendors

Expert Traders and vendors on SwingMarkets:

• Are independent third parties

• Are not employees, agents, or representatives of Lotus Technology Solutions LLC

• Are solely responsible for the accuracy, legality, and content of their offerings

SwingMarkets does not endorse, verify performance claims, or guarantee the quality or results of any Expert Trader or vendor.

6. User Accounts

To access certain features, you may need to create an account.

You agree to:

• Provide accurate and complete information

• Maintain the security of your account credentials

• Notify us immediately of any unauthorized access

You are responsible for all activity that occurs under your account.

7. Marketplace Transactions

7.1 Payments

Payments for services, events, memberships, digital products, or physical products are processed through third-party payment providers on behalf of Lotus Technology Solutions LLC.

7.2 Refunds

Refunds and cancellations are governed by our Refund & Cancellation Policy, which varies by product type (services, events, memberships, digital products, physical goods).

7.3 Taxes

You are responsible for any applicable taxes related to your purchases or sales.

8. Memberships

Memberships provide recurring or time-based access to content, communities, or features.

• Memberships may auto-renew unless canceled

• No refunds are provided after access has been granted, unless required by law

• Access may be revoked for violations of these Terms

9. Events

Events may be live, virtual, or recorded.

• Event dates and times are subject to change

• Access to recordings, if any, is determined by the event listing

• Refund eligibility is governed by the Refund & Cancellation Policy

10. Digital Products

Digital products are delivered electronically.

• All sales are final once access or download is provided

• Unauthorized sharing or redistribution is prohibited

11. Physical Products

Physical goods are sold by third-party vendors or partners.

• Shipping, returns, and warranties are governed by the applicable product policies

• SwingMarkets is not responsible for manufacturing defects or shipping delays beyond its control

12. Prohibited Conduct

You agree not to:

• Violate any laws or regulations

• Misrepresent trading results or make false claims

• Post misleading, fraudulent, or deceptive content

• Harass, abuse, or harm others

• Attempt to exploit or disrupt the Platform

• Circumvent payment or access controls

We reserve the right to suspend or terminate accounts for violations.

13. Intellectual Property

All Platform content, trademarks, logos, and software are owned by or licensed to Lotus Technology Solutions LLC, unless otherwise stated.

You may not copy, reproduce, distribute, or create derivative works without prior written permission.

14. User Content

By submitting content to the Platform, you grant SwingMarkets a non-exclusive, worldwide, royalty-free license to use, display, and distribute such content in connection with operating the Platform.

You represent that you have the rights to any content you submit.

15. Disclaimers

THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE.”

WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

WE DO NOT GUARANTEE THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

16. Limitation of Liability

To the maximum extent permitted by law:

• Lotus Technology Solutions LLC shall not be liable for any indirect, incidental, special, or consequential damages

• Total liability shall not exceed the amount you paid to SwingMarkets in the preceding 12 months

17. Indemnification

You agree to indemnify and hold harmless Lotus Technology Solutions LLC from any claims, damages, losses, or expenses arising from:

• Your use of the Platform

• Your violation of these Terms

• Your interactions with Expert Traders or vendors

18. Termination

We may suspend or terminate your access to the Platform at any time, with or without notice, for violations of these Terms or for any lawful reason.

19. Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which Lotus Technology Solutions LLC is registered, without regard to conflict-of-law principles.

20. Changes to These Terms

We may update these Terms from time to time. Continued use of the Platform after changes are posted constitutes acceptance of the revised Terms.

21. Contact Information

For questions about these Terms, please contact:

Our Company

SwingMarkets is a marketplace platform operated by Lotus Technology Solutions LLC.

Email: [email protected]

Website: https://www.swingmarkets.com