Lifetime Membership Terms & Conditions

1. Membership Overview

The Lifetime Membership is a premium, one-time payment tier providing long-term access to the Pennybois educational ecosystem. This membership is owned and operated by Virtus Media Group LLC ("Virtus"). It grants the purchaser access to all current Pennybois subscription products and community features without further recurring billing.

2. Lifetime Membership Inclusions

"Lifetime" refers to the operational lifespan of the Pennybois platform and its specific products as managed by Virtus, not the biological lifespan of the purchaser. Members receive access to the following:

• Master Classes: Full access to the Options Master Class and Valuation Master Class.
• Live Streams & Alerts: Access to all general and premium trade signal rooms and live trading sessions.
• Programs: Full access to the "Rest and Retire" program.
• Software & Indicators: StocksBuddy Buy/Sell Indicator, StocksBuddy Premium Discord access, and Beacon by StocksBuddy.
• One-on-One Coaching: Six (6) private strategy sessions per year of membership (See Section 3 for specific scheduling and expiration rules).
• Community: Access to in-house coaches and exclusive Discord channels.
• One-Time Gift: Pennybois (PB) Swag pack (provided once upon initial enrollment).

3. One-on-One Sessions: Details & Requirements

To ensure clarity and fair access for all Lifetime Members, the following rules govern one-on-one sessions:

• Annual Allotment: Members are entitled to six (6) sessions per year. The annual cycle begins on the date of the Lifetime Membership purchase and resets on the anniversary of that date each year.
• No Rollover: Sessions must be used within the current membership year. Unused sessions do not roll over to the following year and are forfeited if not scheduled and completed prior to the anniversary date.
• Scheduling: Sessions must be scheduled in advance through the approved Pennybois/Virtus scheduling portal.
• Duration & Assignment: Session length, frequency, and educator assignment are determined at the sole discretion of Virtus.
• Recording & Compliance: All sessions will be recorded for educational and compliance purposes. Members will receive a copy via Discord DM.
• Platform: Sessions occur on Discord unless technical limitations require an alternative platform agreed upon by the educator.

4. Eligibility and Access Restrictions

• Non-Transferability: Lifetime Membership is tied to the original purchaser and their specific Discord ID. Access may not be shared, sold, gifted, or reassigned.
• Enforcement: Virtus reserves the right to terminate access without refund if these terms or community rules are violated.

5. Educational Purposes Only 

Information provided by Virtus is for educational purposes only and is neither an offer nor a recommendation to buy or sell any security, options on equities, or cryptocurrency. PB Alerts is a wholly-owned brand of Virtus Media Group LLC.

Virtus and its affiliates may hold a position in any of the companies mentioned. Virtus is neither a registered investment adviser nor a broker-dealer and does not provide customized or personalized recommendations. Any one-on-one coaching or similar products or services offered by or through Virtus does not provide or constitute personal advice, does not take into consideration and is not based on the unique or specific needs, objectives, or financial circumstances of any person, and is intended for educational purposes only.

Past performance is not necessarily indicative of future results. No trading strategy is risk-free. Trading and investing involve substantial risk, and you may lose the entire amount of your principal investment or more. You should trade or invest only “risk capital” – money you can afford to lose. Trading and investing is not appropriate for everyone. We urge you to conduct your own research and due diligence and obtain professional advice from your personal financial adviser or investment broker before making any investment decision.

6. Service Interruption & Force Majeure

• Service Interruption: Virtus strives for 24/7 availability; however, we do not guarantee uninterrupted access. Temporary interruptions may occur due to maintenance, server upgrades, or third-party platform failures (e.g., Discord outages). Virtus is not liable for any perceived "lost opportunities" or damages resulting from these interruptions.
• Force Majeure: Virtus shall not be held liable or responsible for any failure or delay in performance of its obligations when such failure or delay is caused by circumstances beyond its reasonable control, including but not limited to: acts of God, flood, fire, earthquake, war, strike, internet service provider failures, or government-mandated shutdowns.

7. Limitation of Liability & Indemnification

To the fullest extent permitted by law, Virtus Media Group LLC, its subsidiaries, owners, and analysts shall not be liable for any direct, indirect, or consequential damages (including trading losses) resulting from the use of Pennybois services. The member agrees to indemnify and hold harmless Virtus from any claims or expenses arising from the member’s breach of this agreement or their trading activities.

8. Modification of Services

Virtus reserves the right to update, evolve, or replace specific software, indicators, or programs as the platform improves. "Lifetime access" applies to the category of service, even if the specific tool name or delivery method changes over time.