1.1 These terms are between you and TeamEx Institute, operated by Shoaib Ahmad (“TeamEx”, “we”, “us”), and govern your enrolment in any TeamEx course, programme, workshop or mentorship, and your access to any TeamEx community channel.
1.2 By enrolling, joining a community channel, or accessing any course material, you accept these terms. If you do not accept them, do not enrol.
1.3 We may update these terms. The version in force is the one published on our website at the time of your enrolment. Material changes will be notified to you.
2.1 TeamEx provides education and training only. We teach how financial markets work, how instruments behave, how risk is managed, and how trading systems and automation are built.
2.2 We do not provide investment advice. Nothing said, written, taught, published or discussed by TeamEx, its founder, instructors, staff or partners is a recommendation to buy, sell or hold any instrument, or advice that any strategy is suitable for you. We are not licensed as an investment adviser, portfolio manager or securities broker, and we do not hold ourselves out as such.
2.3 We do not manage money. We will never ask you to deposit funds with us, transfer funds to us or to any individual, grant us access to your trading account, or pool your money with that of any other person. Any person claiming to do so on our behalf is acting without authority — report it to us immediately.
2.4 Any market example, chart, level, setup or analysis shown during teaching is used for illustration. It is not a signal and is not a recommendation to trade.
2.5 We do not guarantee any outcome. Completing a course does not mean you will become profitable, and we make no representation about the results any student has achieved or will achieve.
3.1 Trading foreign exchange, gold, commodities, indices, cryptocurrency and contracts for difference carries a high level of risk. These products are leveraged, which means losses can exceed your deposit. The majority of retail traders lose money.
3.2 You should never trade with money you cannot afford to lose, with borrowed money, or with funds needed for living expenses, debt, medical costs or the support of dependants.
3.3 Past performance, whether ours, an instructor’s or another student’s, does not indicate future results.
3.4 We strongly recommend you practise on a demo account until you can demonstrate consistency over a meaningful period before risking real money.
3.5 All trading decisions are yours alone. You are solely responsible for every trade you place and every loss you incur. By enrolling you acknowledge this and accept it.
4.1 We want you to know this before you enrol. Where you open a trading account through a link or partner code provided by TeamEx or one of our partners, we receive a rebate from the broker based on your trading activity.
4.2 This rebate is paid by the broker out of the spread or commission you would pay in any event. It does not increase your trading cost.
4.3 You are under no obligation to trade. Access to our courses is granted on opening and funding the account, and we would rather you learned on demo for as long as it takes.
4.4 We disclose this because we would rather you decide with full information. Our teaching is not adjusted to increase your trading volume, and no instructor or partner may encourage you to trade more frequently or in larger size than your own plan and risk tolerance justify. If anyone associated with TeamEx does so, report it to us.
5.1 You must be at least eighteen (18) years of age to enrol. We do not knowingly provide services to minors.
5.2 You must provide accurate enrolment information and keep it up to date.
5.3 Your enrolment is personal to you. Course access, login credentials and community membership may not be shared, sold or transferred.
5.4 Where a course is offered free of charge, we may limit or withdraw access at our discretion.
6.1 We do not charge you anything for our courses, mentorship or premium community. You qualify for access by opening a trading account through a TeamEx link or partner code and funding it with the broker’s minimum deposit. You pay the broker, not us. We never take your money.
6.2 We are paid by the broker, not by you. When you trade, the broker pays us a rebate out of the spread or commission you would pay in any event. This is how the education is funded. It does not increase your trading cost. We tell you plainly because we would rather you decide with full information — see clause 4.
6.3 You do not have to trade to qualify. Opening and funding the account is what grants access. Nothing in these terms requires you to place a single trade, and no one at TeamEx may tell you otherwise.
6.4 Deposit only the broker’s minimum, and only money you can afford to lose. A larger deposit gives you no additional access, tier, status or benefit whatsoever. If anyone associated with TeamEx suggests that depositing more will get you more, that is untrue — report it to us. Never borrow money, or use money needed for living costs, debt or dependants, in order to qualify.
6.5 Trade on demo while you learn. We will teach you on a demonstration account and we ask you to leave your deposit untouched until you have completed the course and can show consistency over a meaningful period. This is our clear instruction, not a suggestion. Trading the funded account before then is at your own risk and against our advice.
6.6 Your deposit remains yours, held with the broker under the broker’s terms. You may withdraw it at any time in accordance with those terms. TeamEx never holds, controls, accesses or has any claim on it.
6.7 You are free to close your trading account at any time. If you do, we may withdraw access to the premium community, but you keep any certificate already issued to you.
6.8 Where we run a paid workshop, event or corporate programme, the fee and any refund terms will be stated separately at the point of booking.
7.1 All course material — slides, workbooks, recordings, indicators, expert advisors, templates and written content — is the property of TeamEx or is licensed to it, and is protected by copyright.
7.2 You may use the material for your own personal learning only. You may not copy, record, screenshot for distribution, republish, resell, share, upload, teach from, or create derivative works from it without our prior written permission.
7.3 Recording of live sessions by students is not permitted.
7.4 Breach of this clause entitles us to terminate your access without refund and to pursue any remedy available at law.
In any TeamEx community channel you must not:
We may remove content, suspend or permanently remove any student who breaches these rules, without refund.
9.1 We handle your personal data in accordance with our Privacy Policy, which forms part of these terms.
9.2 We do not sell your personal data. We do not give your contact details to influencer partners or to any third party for their own marketing.
10.1 We are not liable for any trading loss you incur. You accept that trading decisions are yours and that our role is educational only.
10.2 We are not liable for indirect or consequential loss, loss of profit, or loss of anticipated earnings.
10.3 We are not responsible for the acts, omissions, solvency, execution, pricing or platform of any broker, nor for any dispute between you and a broker.
10.4 We cannot refund a broker deposit or a trading loss. Your deposit is held by the broker, not by us, and we have no power to return it — you must deal with the broker directly. A trading loss is your own and is not recoverable from us. Because we charge you no fee, our aggregate liability to you shall not exceed PKR [ amount — decide with a lawyer ]. Nothing in these terms excludes liability that cannot lawfully be excluded, including for fraud.
11.1 We may suspend or terminate your access for breach of these terms, for conduct that harms other students, or where required by law.
11.2 You may withdraw at any time. Because we charge you no fee, there is nothing for us to refund; your broker deposit is a separate matter between you and the broker.
12.1 If any provision is unenforceable, the remainder continues in force.
12.2 These terms are governed by the laws of the Islamic Republic of Pakistan, and the courts at [ your city ] shall have jurisdiction.
12.3 Contact us at support@teamexinstitute.com or [ your address ].