Terms of Service

1. About All Beginner and These Terms

1.1 About All Beginner

All Beginner is a Forex trading education brand run by Muhammad Sufyan from Pakistan. Through this website, All Beginner shares trading education, offers three paid services (Online Mentorship, Private Session and Premium Signals) and provides a set of free Trading Tools.

1.2 What these Terms cover

These Terms apply to everyone who uses the All Beginner website or the free Trading Tools, and to every customer of a paid service. They explain how our services work, what we expect from you, and where our responsibility ends.

Two subjects have their own documents. Refunds and cancellations are covered by our Refund Policy (see Section 10), and personal information is covered by our Privacy Policy (see Section 11).

1.3 Agreeing to these Terms

By using the website or purchasing an All Beginner service, you agree to these Terms together with our Privacy Policy and Refund Policy. If you do not agree with them, please do not use our services.

2. Eligibility and Age Requirements

Paid All Beginner services are intended only for people aged 18 years or older. By purchasing a paid service, you confirm that you are at least 18 years old.

If you are under 18, please do not purchase a paid service. All Beginner does not knowingly provide paid services to anyone under 18.

3. Our Paid Services

All Beginner currently offers three paid services. The current price of each service is shown in the Pricing section and is not fixed within these Terms. The free Trading Tools are not a paid service, and Section 6 covers them separately.

3.1 Online Mentorship

Online Mentorship is a structured educational program that runs for one month. Live classes are held every day of the week according to the confirmed schedule. They are usually held on Google Meet, and another suitable screen-sharing platform (such as Zoom) may be used where necessary. Questions between classes are handled on WhatsApp. After your payment is verified, we tell you the date and time your mentorship starts.

The mentorship may include live teaching sessions, educational materials and recordings. Not every live class is guaranteed to be recorded.

You receive lifetime access to the recordings and course materials that are actually made available to you. This access applies only to those recordings and materials. It does not mean lifetime live mentorship, and it does not mean lifetime one-to-one support.

3.2 Private Session

A Private Session is a scheduled one-to-one educational session where you can discuss your charts, your trading questions and your approach directly. After your payment is received and verified, we confirm the date and time of your appointment. The current duration and price are shown in the Pricing section.

3.3 Premium Signals

Premium Signals is a monthly subscription that provides Forex trade ideas. Each idea includes a buy or sell direction, an entry level, a stop loss level and a take profit level. The delivery platform is confirmed before access is provided.

Section 5 explains the subscription period, renewal and the specific risks of trading from signals.

4. Enquiries, Payments and Service Confirmation

4.1 Enquiries and applications

Every paid service starts with an enquiry. You can contact us through the Contact page, on WhatsApp, by email or by phone. An enquiry is a request for information or for a place in a service. It is not a purchase, and it does not confirm any service.

For some services we may ask you to complete an application form. We may also review your requirements before we confirm whether the service is available to you.

4.2 Service details and prices

Online Mentorship, Private Session and Premium Signals are the services you pay for. Online Mentorship is paid for the one-month program. A Private Session is paid for the session. Premium Signals is paid for each calendar month of access.

Current prices are shown in the Pricing section. Before you pay, we confirm the service, its availability, the price, the payment method and any details that apply to your purchase. For Premium Signals, this includes the month your payment covers.

4.3 Accepted payment methods

We currently accept two payment methods: Bank Transfer and Crypto. Crypto payments are accepted in USDT and USDC only. Other crypto assets are not accepted. We give you the payment details directly before you pay.

You are responsible for giving us accurate payment information. Accepted payment methods may change over time.

4.4 Payment verification and service confirmation

We verify payments manually, so confirmation is not instant. A screenshot, or a message saying that you have sent a payment, does not count as confirmed payment on its own. Bank Transfers can take time to verify, so please pay early where timing matters.

A service is confirmed only after your payment has been received and successfully verified. After that, we tell you what happens next, and this depends on the service:

• Online Mentorship: the date and time your mentorship starts.
• Private Session: the date and time of your appointment.
• Premium Signals: how and when your access begins.

Until we send you this confirmation, the service is not confirmed, even if you have already sent a payment.

4.5 Communication about your service

We may contact you when it is reasonably necessary for payment confirmation, purchase verification, mentorship information, class or session information, service delivery, support, or important service and policy updates. Our approach to marketing messages is described in our Privacy Policy.

5. Premium Signals Subscriptions and Trading Risks

5.1 Calendar-month subscription

Premium Signals is sold by calendar month. A subscription starts on the first calendar day and ends on the last calendar day of the month you pay for. It is not a rolling 30-day subscription.

You may pay in advance for a future month. The payment is recorded for that month, and the subscription starts on its first calendar day. Paying for the current month does not include the next month.

Renewal is manual. Nothing is renewed or charged automatically.

5.2 Joining during an active month

The first day of a month is the simplest time to join, but it is not required. If you join after the first day, you can choose one of two options. Both are charged at the full monthly price:

• Pay for the upcoming month. After your payment is received and verified, your access begins on the first day of the next calendar month.
• Pay for immediate access during the current month. Your access ends on the last calendar day of the current month.

There is no half-month, prorated or discounted price. We explain the option that applies and the amount before we accept your payment.

5.3 Renewal and access

Your subscription ends on the last calendar day of the month you paid for. The first calendar day of the next month is the renewal grace day. To keep your access without a break, your renewal payment must be received and verified by 6:00 PM PKT on that day. If that day is a Saturday, Sunday or official public holiday in Pakistan, the deadline moves to 6:00 PM PKT on the next available business day, and your access stays active until then.

If your payment is not verified by the deadline, your access is removed from the following calendar day. A screenshot, or a message saying that you have sent a payment, does not count as verified payment. We do not give temporary access or extra grace time while a payment is unverified.

Access is restored only after your payment has been received and verified. Late verification does not extend your subscription, which still ends on the last calendar day of the month it covers.

5.4 Signals and trading risk

Premium Signals are informational and educational trading ideas based on All Beginner's analysis. Please keep these points in mind:

• Signals are general trade ideas. They are not personalized investment advice.
• A signal is not a guarantee of profit or of any trading outcome. Market conditions can change, and a signal may result in a loss.
• Your actual execution may differ from a signal because of spreads, slippage, liquidity, broker conditions, execution delays and other market factors.
• Entry, stop loss and take profit levels are reference information. They are not a promise that a trade will be executed or will reach any particular result.
• You are responsible for your own decisions, position sizing and risk management.
• All Beginner does not place or manage trades in your broker account.

Section 12 explains general trading risk and the limits of our responsibility.

6. Free Trading Tools

6.1 What the tools are

The Trading Tools page offers free tools for planning Forex trades:

• Position Size Calculator
• Risk Reward Calculator
• Daily Risk Calculator
• Trade Checklist
• Trading Psychology Check
• Forex Market Hours clock

No account or payment is needed to use them. They are free educational tools, not a paid service. Sections 9 and 12 of these Terms also apply to them.

6.2 Educational purpose and your responsibility

The tools are for education and trade planning. Their results are estimates. They are not financial or investment advice, trading signals or a promise of profit. Any decision to trade, and its outcome, is yours alone.

6.3 Your inputs, estimates and broker differences

Every result comes from the values you enter, so it is only as accurate as those values. Where a price or conversion rate is needed, you enter it yourself. Please check your figures, and confirm the result on your broker's platform before you place or size a trade.

Each tool states its assumptions on its page. Your broker's contract sizes, pip definitions, leverage rules and lot steps may differ from those assumptions. Most figures are rounded for display, so small differences from your broker's numbers are normal.

6.4 Position size assumptions and rounding

The Position Size Calculator assumes a standard lot of 100,000 units. It rounds the position size down to whole units and each lot value down to two decimals, so the displayed size does not exceed your amount at risk. You still need to follow the lot step and minimum size your broker allows.

6.5 Costs, slippage and live data

No calculator works out spread, commission, swap or slippage for you. Where a tool asks you to include estimated costs in a figure, it uses the figure exactly as you enter it. Actual fills can differ from the prices you enter, so the real loss can be larger than the planned one.

The tools do not use live prices or exchange rates. They do not connect to any broker, trading platform or trading account, and they cannot access your account.

6.6 Daily Risk Calculator

The Daily Risk Calculator compares figures you type in with a daily loss limit that you set yourself. It does not read your account, and it does not check the rules of any broker or prop firm.

6.7 Trade Checklist and Trading Psychology Check

These two tools calculate nothing. They show only what you tick or answer, and they do not predict results. A completed checklist or a set of answers is not a recommendation to trade or not to trade.

6.8 Forex Market Hours

The clock shows fixed, indicative session windows in each city's own time: Sydney 8:00 AM to 5:00 PM, Tokyo 9:00 AM to 6:00 PM, London 8:00 AM to 5:00 PM and New York 8:00 AM to 5:00 PM. Each session starts only on its own city's local Monday to Friday. In the time zone you select, a session may continue past midnight into the following day.

The clock shows the market as closed for the weekend from 5:00 PM New York time on Friday until 5:00 PM New York time on Sunday. It follows daylight saving changes in those cities, but it does not account for public holidays, early closures or your broker's own trading schedule. Please confirm the actual hours with your broker.

6.9 Acceptable use and availability

Use the tools lawfully and fairly. Do not try to disrupt or overload them, interfere with their security, or present their results as advice from All Beginner. The tools are free and are provided as they are and as available. They may change, be interrupted or be removed at any time without notice.

7. Customer Responsibilities and Acceptable Use

7.1 Accurate information and responsible use

Please give us accurate information when you contact us, apply for a service or make a payment. You are responsible for your own trading decisions and for how you use what you learn. Any access we give you is for you only, and you should not let others use it.

7.2 Prohibited conduct

When using All Beginner's website, tools and services, you agree not to:

• use them for unlawful purposes
• impersonate All Beginner or Muhammad Sufyan
• misrepresent All Beginner content, or use All Beginner's name, branding or content in a misleading way
• share, copy, resell or redistribute paid content, or give others access to it (see Section 8)
• give false information or attempt a fraudulent payment
• interfere with or misuse the website, the tools or the services

7.3 Community and service conduct

In live classes, WhatsApp conversations and the All Beginner Discord community, please treat other participants and All Beginner with respect. Abusive, harassing or deliberately disruptive behavior that affects other customers or the running of a service is not allowed.

7.4 Consequences of serious or repeated violations

Serious or repeated violations of this section may lead to restricted, suspended or ended access. Section 9.2 explains how we decide.

8. Intellectual Property and Content Use

8.1 Ownership

All original All Beginner content remains the intellectual property of All Beginner and Muhammad Sufyan, unless stated otherwise. This includes website content, educational materials, videos, mentorship materials, paid recordings, documents, graphics, branding, course material and Premium Signals.

8.2 Personal use only

Purchasing a service gives you access for your personal use only. It does not transfer ownership of any of this content to you. You may not:

• share recordings, educational materials, signals or other paid content publicly
• upload them to social media or other websites
• forward them to another person or give a third party access to them
• redistribute or resell them
• reproduce them for commercial distribution

9. Service Availability, Suspension and Termination

9.1 Availability and changes

All Beginner may update, improve, change, pause or discontinue services at any time. Service descriptions, schedules, features and prices may change. A change will not remove access that was specifically promised to a purchaser without a valid reason.

The website and online services may be interrupted or contain errors from time to time. We do not guarantee uninterrupted or error-free operation (see Section 12.3).

9.2 Restriction, suspension or termination

All Beginner may restrict, suspend or end your access to a service, paid content or the community where this is necessary because of serious or repeated misuse. Examples include:

• sharing paid access or login details with people who are not authorized to have them
• redistributing paid signals or educational material without permission
• giving false information or attempting a fraudulent payment
• deliberately misusing or disrupting the website, tools, services or community
• serious abusive conduct that affects other customers or the running of a service

What we do depends on how serious the conduct is. It may be a request to stop, a temporary restriction or the end of your access. For serious conduct, such as fraud or sharing paid access, we may restrict or end access without first asking you to stop.

9.3 Suspension and refunds

A suspension or termination does not by itself decide whether you are eligible for a refund. Refund requests continue to follow the Refund Policy, and your legal rights continue to apply.

10. Cancellations and Refunds

Cancellations and refunds are governed by our separate Refund Policy. It explains when a refund is available for each paid service, how to notify us and submit the Refund Request Form, how refunds are paid and how long processing takes. These Terms do not change those rules. Please read it before you buy.

The rules for each service are in these parts of the Refund Policy:

• Online Mentorship Refunds
• Private Session Cancellations
• Premium Signals Subscriptions and Refunds, where the rules differ for first-time and existing customers

Nothing in these Terms limits any right that applicable law does not allow us to exclude.

11. Privacy and Personal Information

Our Privacy Policy explains what personal information we receive when you use the website, contact us, apply for a service or pay for one, how we use and protect it, and what choices you have. These Terms do not repeat it.

12. Disclaimers and Limitation of Liability

12.1 Educational purpose and no financial advice

All Beginner provides financial education and trading information. Nothing on this website, in the Trading Tools, in Premium Signals or in any class or session is financial, investment, legal or tax advice, or advice made for your personal situation.

12.2 Trading risks and no guaranteed outcomes

Trading Forex and other financial markets involves substantial risk, and losses are possible. You should only risk money you can afford to lose. No profit, trading result, win rate or future performance is guaranteed.

Educational examples, market analysis, chart discussions, strategies and trade-related content are for learning only. They are not promises of future results. You remain responsible for your own trading and financial decisions.

12.3 Limitation of liability

Trading outcomes are outside All Beginner's control. All Beginner does not guarantee profits, uninterrupted website availability or error-free operation.

By using our services, you accept the risks that come with your own trading decisions. All Beginner is not responsible for trading losses that result from your own financial decisions. Nothing in these Terms excludes liability that cannot legally be excluded under applicable law.

13. Changes to These Terms

We may update these Terms when our services, business processes, payment methods or legal and regulatory requirements change. The current version is always the one published on this page. When a material update is made, the "Last updated" date at the top of the page is revised.

14. Governing Law

These Terms are governed by the applicable laws of Pakistan.

15. Contact

If you have questions about these Terms, you can reach us at:

• Support Email: support@allbeginner.com
• General inquiries: info@allbeginner.com
• WhatsApp / Phone: +92 329 4163693

Or visit our Contact page.