01Agreement to these terms
These Terms & Conditions are an agreement between you and Chart Runnerz, doing business as Mike Lito's Trader University (“Mike Lito's Trader University,” “we,” “us”). They cover this website, our application and registration process, our live sessions on YouTube and their recordings, our course materials, and any community space we run.
By using the site, applying, or watching our sessions, you accept these terms. If you don't accept them, don't use the site or watch.
02What this program is, and what it is not
Mike Lito's Trader University provides education. It does not provide advice, signals, account management, or access to capital.
We are not a broker-dealer, investment adviser, commodity trading advisor, commodity pool operator, futures commission merchant, or a bank, and we are not registered with the SEC, FINRA, the CFTC, the NFA, or any state securities regulator. We are not an accredited educational institution, and nothing we issue is a degree, a license, or academic credit.
Nothing on this site or in any course, live session, chat message, or mentor conversation is a recommendation to buy or sell any security, futures contract, option, or other instrument, and nothing is personalized to your financial situation, objectives, or risk tolerance. Every trading decision you make is yours alone. If you want advice about your specific circumstances, speak with a licensed professional.
03No guarantee of results
Trading involves substantial risk of loss and is not suitable for everyone. You can lose more than you deposit. The majority of retail traders lose money.
We make no representation or warranty that you will become profitable or achieve any particular result. We don't publish account statements or profit-and-loss claims, and no instructor, mentor, or staff member is authorized to make an earnings claim on our behalf. If someone tells you this program will make you money, they are speaking outside the scope of their authority and outside this agreement.
Any figures, examples, backtests, or charts used in teaching are illustrative and hypothetical. Hypothetical and simulated performance has inherent limitations: it is created with hindsight, it does not involve real financial risk, and it does not account for the effect of real execution, slippage, fees, or your own behavior under pressure.
04Eligibility and registration
You must be at least 18 years old and legally able to enter a contract in your jurisdiction. The live series is free to watch on YouTube, and no application or account with us is required to view it.
Registering through our application form is optional. It lets us send you session reminders, links, and materials — it does not create any obligation, and there is nothing to pay. We may decline or remove a registration for any lawful reason.
You are responsible for your own brokerage account, market data, trading platform, hardware, and internet connection, and for a YouTube account if you want to take part in live chat. We do not open accounts for you, hold your funds, or place trades for you, ever.
05Access and cost
The program is free. Our live sessions stream on YouTube at no cost, there is nothing to buy, and you do not need an account with us to watch. Watching is subject to YouTube's own terms of service.
We don't charge for access, and no instructor, mentor, or staff member is authorized to charge you or to collect money on our behalf. If someone claiming to represent Mike Lito's Trader University asks you to pay for access, it isn't us — report it through a comment on our YouTube channel.
06Attendance, recordings, and schedule
Sessions stream live on YouTube on the published schedule shown on our homepage. Times and dates can change; if they do, we'll post the change on the channel and email anyone who registered.
Each session is recorded and stays available on our YouTube channel afterward, so you can watch or rewatch on your own time. We don't guarantee that any particular recording will remain available indefinitely, and we may edit, replace, or remove content at our discretion.
07Conduct in the live chat and community
The live chat runs on YouTube, and any community we run (for example Discord) runs on that platform. Keep your credentials for those platforms to yourself; you're responsible for everything posted under your account there, and you should tell that platform if you think your account has been compromised.
In the live chat, the community, and any channel we run, don't:
- re-upload, mirror, resell, or repackage our recordings or course material as your own, or repost another viewer's private posts;
- solicit, promote, or recruit — no signal groups, no funded-account affiliate links, no “my mentor” pitches, no offers to manage anyone's money;
- give personalized trading or investment advice to other students;
- post someone else's personal information, harass anyone, or make the room hostile;
- use our materials to train a machine learning model or build a competing program.
We can remove you from the live chat or the community, or block you from our channel, for conduct that breaks these rules.
08Course materials and intellectual property
All course content — lectures, recordings, playbook templates, journals, spreadsheets, slides, written notes, the Mike Lito's Trader University name and marks, and this site — is owned by us or our licensors and is protected by copyright and trademark law.
We grant you a limited, personal, non-exclusive, non-transferable, revocable license to watch the sessions and use any materials we provide for your own learning and your own trading. Watching the free stream on YouTube does not transfer any ownership to you. You may not re-upload, mirror, distribute, publish, sublicense, sell, or make derivative works from our recordings or materials, and you may not use them to teach, coach, or build a product for anyone else. Sharing a link to our public YouTube videos is fine and encouraged.
What you write is yours: your journal, your playbook, your trades. If you post in the live chat or a community we run, you give us a non-exclusive license to display it there. If we want to use your work or words publicly, we'll ask first, in writing.
09Recording, likeness, and testimonials
Live sessions are streamed and recorded on YouTube, and the recordings stay public on our channel. The host and any invited guests appear on camera by choice. As a viewer you take part through live chat, not on camera — but anything you type in a public live chat is public and may remain in the recording. If you'd rather a chat message not be tied to your name, use a display name that isn't your legal name.
We don't publish student testimonials that make earnings claims. If we ever publish a testimonial, we'll get your written permission first and disclose any compensation or benefit given for it, as required by the FTC's endorsement rules.
10Third-party platforms, brokers, and links
Our sessions are hosted on YouTube, which is operated by Google. Your viewing, your live-chat activity, and any data YouTube collects are governed by Google's terms and privacy policy, not ours. The only audience analytics we use are the aggregate viewership statistics YouTube provides about our videos; we don't run our own tracking on you. We may also point to brokers, charting platforms, data feeds, or other tools. Those are independent businesses. We don't control them, we're not responsible for them, and a mention is not an endorsement of their fitness for you. Their terms, fees, and risks are between you and them. If we ever receive compensation for a referral, we'll say so on the page where it appears.
11Disclaimer of warranties
To the fullest extent permitted by law, the site, materials, sessions, and community are provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability. We do not warrant that any technique, setup, or playbook taught here will be profitable, will continue to work, or is suitable for you.
12Limitation of liability
To the fullest extent permitted by law, we will not be liable for any trading losses, lost profits, lost opportunity, lost data, or any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to the program or this agreement, on any theory of liability, even if we've been advised of the possibility.
Our total aggregate liability for all claims relating to the program is limited to US$100. Because access is free and you pay us nothing, this nominal amount applies in place of a fee-based cap.
Some jurisdictions don't allow certain limitations, so parts of this section may not apply to you. Nothing here limits liability for fraud, gross negligence, willful misconduct, or anything else that can't be limited by law.
13Indemnification
You'll defend, indemnify, and hold harmless Chart Runnerz and its officers, instructors, mentors, and contractors from any claim, loss, or expense (including reasonable legal fees) arising from your use of the program, your trading, your breach of these terms, or your violation of any law or third-party right.
14Governing law
Mike Lito's Trader University operates entirely online. These terms, and your use of the website, our YouTube sessions, and our community, are governed by the law that applies to online services and electronic transactions in the United States — including the federal Electronic Signatures in Global and National Commerce (E-SIGN) Act, which covers the electronic agreements you enter into here — together with the laws of the state in which Chart Runnerz is established, without regard to conflict-of-laws rules.
The program is provided from that location regardless of where you access it, and you agree to the exclusive jurisdiction of the courts located there for any dispute we can't resolve between us. Nothing in this section removes any mandatory consumer-protection right you have under the law of the place where you live that can't be waived by agreement.
15Changes, termination, and the rest
Changes. We may update these terms. If a change is material, we'll post the new date at the top and notify registered viewers by email at least 14 days before it takes effect.
Termination. You may stop using the site at any time. We may block your access to our channel, live chat, or community for breach of these terms or conduct that harms other viewers. Sections that by their nature should survive — IP, disclaimers, liability, indemnity, governing law — survive termination.
Severability and waiver. If a provision is unenforceable, the rest stays in force. Our not enforcing something once isn't a waiver of it later.
Entire agreement. These terms, plus the privacy policy, are the whole deal between us on this subject.
Assignment. You can't assign this agreement. We can, in a merger or sale of the business.
16Contact
Chart Runnerz d/b/a Mike Lito's Trader University. We operate entirely online — the best way to reach us is through our YouTube channel or community.