1. Information We Collect

Information You Provide Directly

When you register, subscribe, or interact with our platform, we collect the following categories of information:

• Account Information: Full name, email address, and password (stored as a cryptographic hash — never in plain text).
• Payment Information: Cardholder name, billing ZIP code, and card type. Full credit card numbers, expiry dates, and CVV codes are encrypted using AES-256-GCM before any storage. CVV codes are never retained after transaction authorization in accordance with PCI-DSS guidelines.
• Subscription Data: Plan type, billing cycle, subscription start date, and renewal dates.
• Communications: Any messages or correspondence you send us directly, including support requests.

Information Collected Automatically

• Usage Data: Pages visited, features accessed, session duration, and interaction patterns within the platform.
• Device & Technical Data: Browser type and version, operating system, IP address (truncated to protect privacy), referring URL, and approximate geographic location derived from IP (country/state level only).
• Log Data: Server logs, error reports, and performance monitoring data used for maintaining service reliability.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To create and manage your account, process subscription payments, and provide access to EOLO.ai content and tools.
• Billing & Auto-Renewal: To charge your stored payment method at the start of each billing period in accordance with your selected subscription plan (weekly or monthly).
• Communications: To send transactional emails including registration confirmation, email verification, payment receipts, subscription renewal notices, and account security alerts.
• Platform Improvement: To analyze usage patterns, diagnose technical issues, and improve the quality and functionality of our services.
• Legal Compliance: To fulfill obligations under applicable law, respond to legal process, and enforce our Terms of Use.
• Security: To detect and prevent fraudulent activity, unauthorized access, and abuse of our platform.

We do not sell, rent, or trade your personal information to third parties for marketing purposes. EOLO.ai products and services are ad-free. We do not allow advertisers to use your data for targeted advertising.

3. Payment Data & Encryption

• What is stored: Cardholder name, last four digits of card number, card network (Visa/MC/Amex/Discover), and expiry month/year.
• What is never stored: Full card number, CVV/CVC/CID code. CVV codes are used only during the authorization transaction and are immediately discarded.
• Auto-billing: Saved card data is used exclusively for automatic renewal charges at the end of each billing cycle. You may remove your saved card at any time from your subscription settings.
• ACH/Bank transfers: Bank account information provided for ACH setup is handled by our ACH processor and is not stored within the EOLO.ai platform itself.

4. Cookies & Tracking Technologies

We use cookies and similar technologies to maintain your session, remember authentication status, and analyze platform usage:

• Essential Cookies: Required for login session management and security. Cannot be disabled without impacting platform functionality.
• Analytics Cookies: Used to understand how visitors use our platform in aggregate. We use privacy-respecting analytics that do not track individual users across other websites.
• Preference Cookies: Store your display preferences and settings for a more consistent experience.

You may configure your browser to refuse cookies, though this may affect certain features of the platform including persistent login.

5. Sharing of Information

We share your information only in the following limited circumstances:

• Payment Processors: We share necessary payment details with PCI-DSS compliant payment processors to complete transactions. These processors are contractually prohibited from using your data for any purpose other than transaction processing.
• Service Providers: Trusted third-party vendors who assist in operating our platform (email delivery, hosting, security monitoring) under strict data processing agreements.
• Legal Requirements: When required by law, court order, or lawful government request, or to protect the rights, safety, or property of EOLO.ai, our users, or the public.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified of any such change via the email address associated with your account.

6. Data Security

We implement industry-standard technical and organizational measures to protect your personal information:

• AES-256-GCM encryption for all sensitive data at rest
• HTTPS/TLS encryption for all data in transit
• Access controls limiting employee access to personal data on a need-to-know basis
• Regular security reviews and vulnerability assessments
• Multi-factor authentication options for account access

No method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information using commercially acceptable means, we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with services. Specific retention periods:

• Account data: Retained for the duration of your account plus 90 days following account deletion to allow for recovery requests.
• Payment records: Billing history retained for seven (7) years to comply with financial recordkeeping requirements.
• Communication records: Support and correspondence records retained for three (3) years.
• Usage logs: Anonymized and aggregated after 12 months; raw logs deleted after 90 days.

8. Your Rights & Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal retention requirements.
• Portability: Receive your data in a structured, machine-readable format.
• Opt-Out: Unsubscribe from marketing communications at any time via the unsubscribe link in any email or by contacting us directly.
• Cancel Subscription: Cancel your subscription and auto-renewal at any time from your account settings or by contacting billing@eolo.ai.

To exercise any of these rights, please contact us at the address listed below. We will respond to verified requests within 30 days.

9. Children's Privacy

EOLO.ai is intended for users who are at least 18 years of age. We do not knowingly collect personal information from individuals under the age of 18. If you believe a minor has provided us with personal information, please contact us immediately and we will take steps to delete such information.

10. Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you via email at the address associated with your account and update the "Last Updated" date at the top of this page. Your continued use of our services after the effective date of any changes constitutes acceptance of the updated policy.

11. Contact Us

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you ("User", "you") and EOLO.ai / AISysNetworks ("EOLO.ai", "we", "us", "our") governing your access to and use of the website located at eolo.ai and all related services, content, and tools (collectively, the "Service").

By creating an account, subscribing to our service, or accessing any content on our platform, you agree to these Terms and our Privacy Policy, which is incorporated herein by reference. If you are accessing the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Services

EOLO.ai provides a financial education and trading intelligence platform offering:

• Educational Content: The 0DTE SPX Options Income Strategies book and related chapter summaries, strategy guides, and educational materials covering zero-day-to-expiration SPX options trading.
• EOLO AI Trading View: Interactive strategy analyzer tools (1-5-10-6 Iron Double Fly Condor, 4-7-11 Fortress, and 2-2-7-7 Stratified Fortress) for educational visualization of option strategies.
• Blog & Research: Market analysis, strategy commentary, and educational blog posts.
• AI Reviews: Independent AI-generated analyses of the book and its methodologies.
• Newsletter: Periodic market commentary and educational updates delivered to subscribers.

All content is strictly educational. Nothing on EOLO.ai constitutes financial advice, investment advice, or a recommendation to buy or sell any security. See Section 10 (Disclaimers) for the full financial disclaimer.

3. Account Registration & Eligibility

To access premium content, you must register for an account and maintain an active subscription. By registering, you represent and warrant that:

• You are at least 18 years of age;
• All registration information you provide is accurate, current, and complete;
• You will maintain the accuracy of your account information;
• You will keep your password confidential and not share account access;
• You are legally permitted to access financial education content in your jurisdiction;
• You have verified your email address as required during registration.

You are responsible for all activity that occurs under your account. You must notify us immediately at security@eolo.ai of any unauthorized use of your account or any breach of security.

Password Requirements: Passwords must be at least 8 characters and include at least one uppercase letter, one lowercase letter, one number, and one special character.

4. Subscription Plans & Billing

Plans

EOLO.ai offers two subscription tiers:

• Weekly Plan: $4.95 per week, billed automatically every 7 days.
• Monthly Plan: $9.00 per month, billed automatically every 30 days.

Automatic Renewal

All subscriptions are set to auto-renew by default. Your stored payment method will be charged automatically at the end of each billing period unless you cancel before the renewal date. You may disable auto-renewal at any time from your subscription settings.

Payment Authorization

By providing payment information, you authorize EOLO.ai to charge your payment method for the subscription fee at each billing interval until cancellation. All charges are in U.S. dollars. You are responsible for any bank fees, foreign transaction fees, or currency conversion charges imposed by your financial institution.

Payment Processing

Credit and debit card payments are processed through PCI-DSS compliant payment processors. EOLO.ai does not store complete card numbers or CVV codes. For ACH bank account billing, please contact billing@eolo.ai.

Failed Payments

If a payment fails, we will attempt to notify you by email. Access to premium content may be suspended if payment cannot be collected after reasonable retry attempts. You must update your payment information to restore access.

5. Cancellation & Refunds

You may cancel your subscription at any time. Upon cancellation, you will retain access to premium content through the end of the current paid billing period.

• Weekly subscriptions: Cancellation takes effect at the end of the current 7-day billing period.
• Monthly subscriptions: Cancellation takes effect at the end of the current 30-day billing period.

Refund Policy: Subscription fees are generally non-refundable except where required by applicable law. If you believe you were charged in error, contact billing@eolo.ai within 7 days of the charge and we will review your case.

6. Acceptable Use Policy

By using EOLO.ai, you agree not to:

• Share, resell, redistribute, or sublicense access to any EOLO.ai content or tools;
• Reverse-engineer, decompile, or attempt to extract the source code of any EOLO.ai software or tools;
• Use automated scraping, crawling, or data extraction tools to collect content from the platform;
• Attempt to gain unauthorized access to any part of our systems, servers, or databases;
• Use the platform for any illegal purpose or in violation of any applicable law;
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• Transmit malware, viruses, or any code designed to disrupt, damage, or gain unauthorized access to systems;
• Engage in any conduct that could damage, disable, or impair the performance of the Service;
• Use trading strategies from EOLO.ai without independent due diligence and consultation with a qualified financial advisor.

Violation of this Acceptable Use Policy may result in immediate account termination without refund.

7. Intellectual Property

All content on EOLO.ai — including but not limited to the 0DTE SPX Options Income Strategies book, strategy frameworks, the 1-5-10-6, 4-7-11, and 2-2-7-7 proprietary strategies, software tools, EOLO AI Trading View analyzers, blog posts, newsletter content, graphics, and branding — is the exclusive intellectual property of EOLO.ai / AISysNetworks and is protected by U.S. and international copyright, trade secret, and intellectual property laws.

Your subscription grants you a limited, non-exclusive, non-transferable, revocable license to access and use the content for your own personal, non-commercial educational purposes only. All other rights are reserved. No content may be reproduced, distributed, published, or used commercially without express written permission from EOLO.ai.

8. User-Submitted Content

The EOLO.ai platform does not currently host user-generated content in public forums. Any feedback, suggestions, or communications you submit to us may be used by EOLO.ai to improve our services without obligation to you. You retain ownership of your original content but grant EOLO.ai a royalty-free license to use such submissions for internal improvement purposes.

9. Third-Party Links & Services

Our platform may contain links to third-party websites or services (including brokerage platforms, data providers, and payment processors). These links are provided for convenience only. EOLO.ai does not endorse, control, or accept responsibility for the content, privacy practices, or reliability of any third-party sites. Accessing third-party links is done at your own risk.

10. Disclaimers of Warranty

EOLO.ai does not warrant that the Service will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any content on the platform. Market data, strategy descriptions, and educational materials are provided for informational and educational purposes only and may not reflect current market conditions.

11. Limitation of Liability

In no event shall EOLO.ai's total cumulative liability to you for all claims arising from or relating to the Service exceed the total amount paid by you to EOLO.ai in the 12 months immediately preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless EOLO.ai, AISysNetworks, and their respective officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the Service; (b) your violation of these Terms; (c) any trading or investment decisions made based on content accessed through EOLO.ai; or (d) your violation of any third-party rights.

13. Termination

EOLO.ai reserves the right to suspend or terminate your account and access to the Service at any time for any reason, including but not limited to violation of these Terms, fraudulent activity, or non-payment. Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination will survive, including Sections 7, 10, 11, 12, and 14.

14. Dispute Resolution & Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to conflict of law principles. Any dispute arising from or relating to these Terms or the Service shall first be subject to good-faith negotiation between the parties. If unresolved, disputes shall be submitted to binding arbitration under the rules of the American Arbitration Association (AAA) in California.

You waive any right to participate in a class-action lawsuit or class-wide arbitration against EOLO.ai.

15. Modifications to Terms

EOLO.ai reserves the right to modify these Terms at any time. Material changes will be communicated via email to registered users at least 14 days before taking effect. Continued use of the Service after the effective date of any modification constitutes acceptance of the updated Terms. The most current version of these Terms is always available at eolo.ai.

16. Contact

Not Financial Advice

All content published on EOLO.ai — including the 0DTE SPX Options Income Strategies book, blog posts, newsletters, EOLO AI Trading View tools, strategy descriptions, market commentary, AI reviews, and any other material — is provided exclusively for educational and informational purposes only.

Nothing on this platform constitutes, or should be construed as:

• Financial advice, investment advice, or trading advice of any kind;
• A solicitation or recommendation to buy, sell, or hold any security, options contract, or financial instrument;
• An offer to buy or sell any security or financial product;
• Tax advice or legal advice;
• A managed investment service or portfolio management service.

EOLO.ai is not a registered investment advisor, broker-dealer, financial planner, or commodity trading advisor. The strategies, tools, and content on this platform are not personalized to your individual financial situation, risk tolerance, or investment objectives.

Consult a Qualified Professional

Before making any financial or investment decision — including but not limited to trading SPX options or any other derivatives — you should consult with a qualified, licensed financial advisor, investment professional, or attorney who understands your specific financial situation, objectives, and risk tolerance.

You should also consult your own tax advisor regarding the tax implications of any trading activity, including the 60/40 tax treatment applicable to broad-based index options described in our educational materials.

Trading Risk Disclosure

Specific risks associated with 0DTE (zero-day-to-expiration) SPX options trading described in our educational content include, but are not limited to:

• Gamma Risk: The rapid acceleration of an option's delta as expiration approaches, which can cause positions to move sharply against traders within minutes.
• Volatility Risk: Sudden spikes in implied volatility (VIX) can dramatically increase option prices, causing losses on short premium positions regardless of the direction of the underlying.
• Liquidity Risk: Options markets, particularly far out-of-the-money strikes, may experience wide bid-ask spreads and reduced liquidity, making it difficult or costly to enter, exit, or adjust positions.
• Gap Risk: Overnight news events, economic data releases, geopolitical developments, and policy announcements can cause the S&P 500 Index to gap significantly at the open, creating losses before any protective action can be taken.
• Margin Risk: Complex multi-leg options strategies require margin deposits. Adverse market movements may result in margin calls requiring the immediate deposit of additional funds or forced liquidation of positions.
• Model Risk: Strategy frameworks developed through back-testing — including AI/ML-based validation — may not perform as expected in live market conditions, particularly in market environments not represented in the historical data used for testing.
• Event Risk: As demonstrated by the April 2025 Liberation Day tariff crisis (VIX peak of 60.13), extreme market events can produce losses that far exceed the premium collected over many preceding sessions.

No Guarantee of Results

EOLO.ai makes no representation, warranty, or guarantee — express or implied — that:

• Any strategy described on this platform will be profitable;
• Any stated or implied win rate will be achieved by any individual trader;
• Historical back-tested results will replicate in future live trading conditions;
• The EOLO.ai platform, tools, or content will be error-free, complete, or accurate at all times;
• Any subscriber will achieve results similar to those described in educational materials or case studies.

Any references to potential returns, win rates, or historical performance are provided as illustrations of the mathematical properties of the strategies under specified conditions and should not be interpreted as promises or projections of future performance.

Forward-Looking Statements

Certain content on EOLO.ai may contain forward-looking statements, including projections about market behavior, strategy performance, or platform development. These statements involve known and unknown risks, uncertainties, and other factors that may cause actual results to differ materially from those expressed or implied. Forward-looking statements are not guarantees of future performance and should not be relied upon as such.

AI-Generated Content

Some content on EOLO.ai, including strategy validation results, AI Reviews, and platform-generated analysis, has been produced in whole or in part using artificial intelligence and machine learning systems (including the EOLO.ai Agentic AI platform). While AI-assisted analysis can provide valuable perspectives, it is subject to its own limitations and errors. AI-generated content does not constitute professional financial analysis. All AI-generated content should be independently verified before being used as the basis for any trading or investment decision.

Capital Requirements & Suitability

The strategies described on this platform may require significant capital and are not appropriate for all traders. The educational materials on EOLO.ai reference minimum capital requirements and options approval levels as guidelines. These are not guarantees of successful trading at any capital level. You are solely responsible for confirming appropriate options approval, margin requirements, and capital adequacy with your brokerage before engaging in any of the strategies described.

0DTE SPX options trading should only be considered by individuals who have extensive prior options trading experience, a thorough understanding of options mechanics, risk tolerance appropriate to potential total loss of invested capital, and access to professional guidance from qualified advisors.

No Professional-Client Relationship

Your use of EOLO.ai does not create any professional-client, advisor-client, or fiduciary relationship between you and EOLO.ai or any of its officers, employees, or affiliates. EOLO.ai has no knowledge of or responsibility for your individual financial situation, trading account, risk profile, or investment objectives.

Third-Party Information

EOLO.ai may reference data, statistics, research, and information from third-party sources including the Chicago Board Options Exchange (CBOE), financial news services, and academic publications. While we strive to reference reliable sources, we cannot guarantee the accuracy, completeness, or timeliness of third-party information. Third-party sources do not endorse EOLO.ai or its content.

Regulatory Compliance

It is your sole responsibility to ensure that your trading activities comply with all applicable laws and regulations in your jurisdiction, including but not limited to securities laws, tax laws, and regulations governing options trading. Certain content or strategies may not be available, legal, or appropriate for users in all jurisdictions. Users outside the United States should consult local legal counsel regarding the applicability and legality of engaging in the types of trading activities described on this platform.

Limitation of Liability

To the fullest extent permitted by applicable law, EOLO.ai, AISysNetworks, and their respective officers, directors, employees, and agents expressly disclaim all liability for any losses, damages, or costs — including trading losses, lost profits, or consequential damages — arising from your use of or reliance on any information, strategy, tool, or content provided on this platform. This disclaimer applies regardless of whether EOLO.ai was advised of the possibility of such damages.

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