TERMS AND CONDITIONS

1. INTRODUCTION & ACCEPTANCE

These Terms and Conditions (the “Agreement”) constitute a legally binding agreement between Americam Oil (“Company,” “we,” “us,” “our”) and each natural person of legal age and full capacity who accesses our websites, subscriptions, consultations, webinars, and related digital products (collectively, the “Services”). By creating an account, purchasing a subscription, booking a consultation or webinar, or otherwise using the Services, you (“User,” “Participant,” “you,” “your”) acknowledge that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy.

If you do not agree, do not access or use the Services.

2. NATURE OF SERVICES (EDUCATIONAL ONLY; NO ADVICE)

2.1. Americam Oil provides educational content, subscriptions of various tiers, informational webinars, and general consultations related to investment education and financial literacy.

2.2. Americam Oil is not an investment, financial, tax, or legal advisor and is not a broker-dealer. The Services are educational and informational only and do not constitute personalized advice, a recommendation to buy or sell any security or instrument, portfolio management, or any regulated service.

2.3. You remain solely responsible for your decisions and outcomes. No results are guaranteed. Past performance is not indicative of future results. Trading and investing involve substantial risk, including the loss of principal. Do not trade or invest with funds you cannot afford to lose.

3. ELIGIBILITY & ACCOUNT

3.1. You must be at least 18 years old and have full legal capacity to enter into this Agreement.

3.2. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. Notify us promptly of any unauthorized use.

4. SUBSCRIPTIONS, BILLING & AUTO-RENEWAL

4.1. Plans. We offer multiple subscription tiers that may include access to content libraries, tools, communities, and webinars as described at checkout or on our Site.

4.2. Billing. Fees are due upfront unless a payment plan is explicitly offered at checkout. You authorize us (and our payment processors) to charge your chosen payment method for all fees, taxes, and any applicable currency conversion or bank charges.

4.3. Auto-Renewal (if selected). If the plan you select states that it auto-renews, it will renew for successive terms at the then-current rate unless you cancel before the renewal date via your account or by contacting support@Americam Oil-invest.com. Renewal terms will be shown at checkout and/or in your account.

4.4. Price Changes. We may change prices prospectively; any change will be communicated in advance or reflected at the next renewal.

4.5. Payment Plans & Delinquency. If a payment plan is provided and an installment fails, we may suspend access until payment is cured. Continued delinquency may result in termination; amounts already paid are non-refundable.

5. CONSULTATIONS & WEBINARS

5.1. Consultations and webinars are educational; they do not provide individualized investment, legal, tax, or financial advice.

5.2. Scheduling is first-come, subject to availability. We may reschedule for cause (e.g., technical or presenter issues).

5.3. We may record webinars and use them for quality, training, and educational purposes.

6. USER CONDUCT

You agree not to: (i) violate laws or third-party rights; (ii) share malware or harmful code; (iii) scrape, reverse engineer, or circumvent security; (iv) share private info of others; (v) use the Services for commercial solicitation unless expressly permitted; (vi) upload infringing, defamatory, obscene, or unlawful content. We may moderate or remove content and suspend accounts for violations.

7. INTELLECTUAL PROPERTY

7.1. The Services, content, videos, texts, graphics, tools, logos and marks (“Materials”) are owned by Americam Oil or its licensors and protected by applicable IP laws.

7.2. We grant you a limited, non-exclusive, non-transferable, revocable license to access the Materials for personal, non-commercial educational use only. Any reproduction, distribution, public display, sharing of credentials, resale, or derivative use without our prior written consent is prohibited.

7.3. Unauthorized use may lead to suspension/termination and legal remedies.

8. USER SUBMISSIONS & COMMUNITY AREAS

8.1. If you submit comments, suggestions, posts, or other content (“User Submissions”), you grant Americam Oil a non-exclusive, worldwide, royalty-free, perpetual and sublicensable license to use, reproduce, adapt, publish, translate, distribute, and display such content for operation and promotion of the Services.

8.2. You represent you have necessary rights to your submissions. We may moderate or remove submissions at our discretion.

9. THIRD-PARTY LINKS & TOOLS

The Services may link to or integrate third-party sites or tools (e.g., video hosting, analytics, payment processors). We do not control and are not responsible for third-party content or practices. Review their terms and privacy policies before use.

10. DELIVERY OF DIGITAL CONTENT; NO RIGHT OF WITHDRAWAL AFTER ACCESS

Upon successful payment, access to digital content may be granted immediately. Once any digital content is accessed/streamed/downloaded or a consultation/webinar is attended, fees are non-refundable, except as expressly stated in Section 11.

11. REFUNDS, CANCELLATIONS & CHARGEBACKS

11.1. General Rule. All fees for digital content, subscriptions, consultations, and webinars are non-refundable once access has begun or a session has occurred.

11.2. Exceptions (case-by-case):

• (a) Proven technical failure on our side that materially prevents access and cannot be remedied within a reasonable period;
• (b) Wrongful denial of paid access by us;
• (c) Any mandatory refund required by applicable law.

11.3. Process. To request an exception, email support@Americam Oil-invest.com with details and supporting evidence. We typically review within 45 days and, if approved, process to the original method where feasible.

11.4. Chargebacks. You agree not to file chargebacks without first contacting us to resolve the issue in good faith. Unwarranted chargebacks may result in account suspension, debt collection, and associated fees.

12. RISK DISCLOSURE

Trading and investing in securities, derivatives, FX, and digital assets involve high risk, including total loss. Educational examples and case studies are illustrative, may be simulated or hypothetical, and do not represent typical results.

13. COMMUNICATIONS & E-SIGN CONSENT

13.1. You consent to receive service notices, account messages, transactional communications, and (if opted-in) marketing via email and/or messaging platforms. You can opt out of marketing at any time (service communications may still be sent).

13.2. You consent to transact electronically and to the use of electronic signatures and records.

14. PRIVACY

Our collection and use of personal data are described in our Privacy Policy (Americam Oil-invest.com). By using the Services, you agree to that policy.

15. SUSPENSION & TERMINATION

We may suspend or terminate access (with or without notice) for: (i) material breach; (ii) suspected fraud/abuse; (iii) non-payment; (iv) legal/regulatory request; or (v) security risks. Termination does not relieve you of amounts due.

16. DISCLAIMERS

THE SERVICES AND MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, Americam Oil DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT DEFECTS WILL BE CORRECTED.

17. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL Americam Oil, ITS AFFILIATES, OFFICERS, EMPLOYEES, CONTRACTORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS), ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY. IN NO EVENT WILL OUR AGGREGATE LIABILITY EXCEED THE AMOUNTS YOU PAID TO Americam Oil FOR THE SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT. Some jurisdictions do not allow certain limits; rights that cannot be excluded remain unaffected.

18. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Americam Oil and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (i) your breach of this Agreement or law; (ii) your misuse of the Services; (iii) your infringement of third-party rights; or (iv) your User Submissions.

19. GOVERNING LAW; ARBITRATION; CLASS ACTION WAIVER

19.1. Governing Law. This Agreement and any dispute shall be governed by the laws of the State of New York, without regard to conflict-of-law principles; the Federal Arbitration Act (FAA) governs the interpretation and enforcement of Section 19.

19.2. Binding Arbitration. Except for small-claims matters or claims for injunctive relief, any dispute, claim, or controversy arising out of or relating to this Agreement or the Services shall be resolved by final and binding arbitration administered by JAMS (or AAA) under its applicable rules, before a single arbitrator, seated in Albany County, New York (or your U.S. county of residence upon mutual agreement).

19.3. No Class Actions. You and Americam Oil agree that claims will be brought only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding.

19.4. Injunctive Relief. Either party may seek temporary or preliminary injunctive relief in a court of competent jurisdiction to protect its rights pending arbitration.

19.5. Time to Bring Claims. Any claim must be filed within one (1) year after it arose, or be forever barred, to the maximum extent permitted by law.

20. INTERNATIONAL & EXPORT

Access from outside the U.S. is at your own risk and responsibility to comply with local laws. You agree to comply with U.S. export controls and sanctions.

21. CHANGES TO THE SERVICES OR THIS AGREEMENT

We may update the Services and this Agreement from time to time. Changes become effective upon posting (or as otherwise stated). Your continued use after changes constitutes acceptance. If you do not agree, stop using the Services.

22. MISCELLANEOUS

22.1. Entire Agreement. This Agreement, along with policies referenced herein (e.g., Privacy Policy), constitutes the entire agreement between you and Americam Oil and supersedes prior understandings.

22.2. Severability. If any provision is found invalid or unenforceable, it shall be modified to the minimum extent necessary; the remainder remains in full force.

22.3. No Waiver. A failure to enforce any provision is not a waiver of rights.

22.4. Assignment. You may not assign this Agreement without our prior written consent. We may assign to an affiliate or successor without restriction.

22.5. Force Majeure. We are not liable for delays or failures due to events beyond our reasonable control (e.g., outages, acts of God, strikes, governmental actions).

22.6. Notices. We may provide notices via email, in-product messages, or posting on the Site. You should keep your contact info current.