Policies, Disclosures, & Disclaimers:

By studying, purchasing, viewing, or using any course, lesson, material, educational service, or by visiting derekpolasek.com, http://learn.academyobm.com, https://learn.finandchoc.com, or https://www.financeandchocolate.com/ or this site itself, indicates that you have fully read and agree to all of the terms below. If you do not agree to all of the terms set forth below, exit this site immediately.  

Disclaimer: 

The prices quoted for video courses, namely the “The Academy of Wealth Mastery”, “The Trading Mastery Course”, “Trading Mastery Course”, “The Trading Mastery Bundle”, “Trading Mastery Bundle”, "Trading Mastery Bundle Monthly" “10 Hour Trading Mastery Course”, also known as the “10 Hour Course”, or the “10 Hour Video Course”, or the “10 Hour Trading Mastery Video Course”, do not include any guarantee of personal mentorship, personal communication, or personal response in any form (video calls, written communication, or phone communication) from, or with any of the instructors or Finance And Chocolate. While the instructors and Finance And Chocolate are usually readily available and willing to contact you to help with your trading education, you fully understand that they are not required to do so and you are not entitled to any communication from Finance And Chocolate or any of its instructors. The instructors will do their best to assist in your trading education through personal contact, like video calls, written communication, or phone communication, but Finance And Chocolate and its instructors are in no way required to do so. Video courses purchased from Finance And Chocolate and its instructors are absolutely and unequivocally do-it-yourself courses and are designed for you to learn independently. As such, when you purchase a course from Finance And Chocolate or its instructors, you understand that, while everyone at Finance And Chocolate wants to help and is willing to help through personal communication, you are not paying for this service and as such, you are not entitled to it. If you are granted personal communication in any form, you fully understand that this the choice of Finance And Chocolate or its instructors, that it is free value provided by Finance And Chocolate or its instructors, and that it should be treated as a free bonus given at the discretion of Finance And Chocolate or its instructors, and that it is not included in the price of any video course. Please note that we do not do refunds at all on subscription versions of any of these products. If you join via a subscription and cancel, you will retain access to everything throughout the subscription period even if canceled, but you will not be charged again.    

“Lifetime access” is defined as the lifetime of Finance And Chocolate or the lifetime of it’s operations. Whichever ceases first. Finance And Chocolate will always strive to provide access to everything that includes “lifetime access”, but if for whatever reason Finance And Chocolate ceases its operations, or in fact for whatever reason chooses to stop providing access, there is no guarantee that access to anything will continue.

The courses, material, or lessons sold are to help individuals plan and get ready for trading securities. These materials show our opinions on what should be done before and during trading. These courses, material, or lessons, Finance and Chocolate, its owners, or its instructors do not guarantee success and will not be held liable for any trading decisions, investment decisions, or financial loss that occurs in result of your activities in any financial market or any other activity. The courses, material, or lessons show our opinion, from experience and honesty, but it is still only an opinion and should be followed at one’s own risk. Any activity taken in financial markets, including trading stocks and other assets, is inherently risky, and the user of the courses, material, or lessons assumes all risks and liabilities regarding trading or any other actions taken. Any communication in any form from Derek I. Polasek, Finance And Chocolate, or any of its instructors is solely an opinion. There is no guarantee of your success in the financial markets and any actions taken, financial or otherwise, will be at your own discretion and at your own risk. Derek I. Polasek, Finance And Chocolate, and any of its instructors are will not be held liable. 

This is for informational purposes only, as Derek I. Polasek, Finance And Chocolate, and any of its instructors are not registered as securities broker-dealer{s) or any type of investment advisers. The purpose of the courses material, lessons, or other educational service is to expand one's knowledge about financial markets. No information herein is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security or fund.

Participating in the markets contains risk. Only money you are willing and able to lose should be used. There is absolutely zero guarantee of success and you should always assume and be comfortable with a worst case scenario. 

Student reviews, results, and testimonials come directly from real students. They are taken at face value and assumed to be legitimate, but have not been personally verified in any manner.

Student reviews, results, and testimonials show the potential, but are not meant to guarantee your success. In fact, absolutely nothing coming from Derek I. Polasek, Finance And Chocolate, or from its instructors carries any guarantee whatsoever. All results, both positive and negative, are your responsibility.

All communication that takes place in the chat room from anyone, is an opinion only and is not financial advice or recommendation to purchase any security. Reliability or accuracy of any communication in the chat room is not guaranteed in any shape or form to be accurate.

Affiliate Disclosure:

Finance And Chocolate, its owners, or its instructors, may be compensated when you purchase a product or service, by your clicking on links posted on this website. 

Refund Policy: 

This website sells knowledge. The videos, courses, written material, or one on one lessons are simply the vehicles used to deliver that knowledge from the website to the client. Due to the nature of the content on this website, being that it is based in intangible knowledge, opinions, thoughts, and ideas, which, once received, are not returnable, refunds are not given Unlike a typical store where a physical good can be returned and that physical good can then be transferred back into the inventories of the store, knowledge, once transferred from one mind to another, cannot be returned. Due to this, once that knowledge, in whichever form, has been purchased, the fees associated with this transfer of knowledge are non refundable.

Advertising Disclosure:

Finance And Chocolate, its owners, or its instructors, may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website.

License for Usage:

Any course, material, or lesson that you purchase or receive in some manner, is for personal learning and personal use. Any unauthorized distribution, selling, sharing, or copying of any course, material, or lesson is strictly prohibited by Finance and Chocolate and will be met with severe legal action. This material reflects the opinions of Finance and Chocolate and its instructors. While instructors have experience and education in regard to finance and securities markets, this material only reflects opinions based on that experience and education. The user of this material is fully responsible for any actions taken, or trades placed before, during, or after viewing any course, material, or lesson. Any losses, financial or otherwise, are the responsibility of the user. Finance and Chocolate, its owners, and its writers will not be held responsible or liable for any outcomes that take place before, during, or after the use of any course, material, or lesson.

Payment plan members: If a payment is missed or failed, Finance And Chocolate has the right to cancel some or all services immediately without refund.

Monthly access pass members: If a payment is missed or failed, or if a subscription is cancelled, Finance And Chocolate has the right to cancel some or all services immediately without refund.

Finance And Chocolate has the right to remove any member from any service for any reason, without notice or refund.

Finance And Chocolate has the right to stop offering any service or all services for any reason, without notice or refund.

EVERYTHING ON THIS SITE IS AN OPINION AND NOTHING ON THIS SITE IS FINANCIAL ADVICE.

EVERYTHING ON THIS SITE IS FOR INFORMATIONAL PURPOSES ONLY.

EVERYTHING FROM FINANCE AND CHOCOLATE OR ITS OWNERS IS AN OPINION AND NOTHING FROM FINANCE AND CHOCOLATE OR ITS OWNERS IS FINANCIAL ADVICE.

THERE ARE ABSOLUTELY NO GUARANTEES OF SUCCESS. THERE ARE ABSOLUTELY NO GUARANTEES OF RESULTS SIMILAR TO OTHER STUDENTS.  

EVERYTHING FROM FINANCE AND CHOCOLATE OR ITS OWNERS IS FOR INFORMATIONAL PURPOSES ONLY.

These terms may change at any time without notice.

Finance And Chocolate is owned and operated by Derek Polasek LLC