Terms of Service

1 · Service Provider

This service (including astc.cc, mm.astc.cc, ASTC App, and related sites) is operated by instructor "Atom" as an individual sole proprietor, providing online investment education courses and tools.

2 · Account Registration

• Provide a valid email address and password (or sign in via Google / Apple)
• Keep your account credentials safe — do not share with others
• We are not liable for losses from account compromise due to your negligence
• Only one account per email address
• Children under 13 are not permitted to register

3 · Course Purchase & Payment

• Payments processed via Stripe / Kajabi (third-party platforms), supporting major credit cards
• Course prices in USD, converted at purchase-time exchange rate
• Course access granted immediately after purchase
• Unless stated otherwise, courses provide lifetime access (during platform operation period)
• We reserve the right to adjust pricing, bundling, and availability — without affecting your already-purchased rights

4 · Refund Policy

A · 7-Day No-Questions Refund

Industry-friendly refund terms for confident learning:

B · How to Request

1. Email atom@astc.cc
2. Subject: "ASTC Refund Request"
3. Attach: purchase email / order ID (we can look it up if you don't have it)
4. We respond and process within 7 business days

C · Refund Not Available If

• More than 7 days have passed
• Course progress exceeds 30%
• You violated IP terms (copying / sharing / reselling courses)
• Your account was terminated for conduct violations

5 · Course Content & Intellectual Property

Upon purchase, you receive:

• Non-exclusive usage license (other students can also purchase the same course)
• Personal learning use viewing rights
• Unlimited replays (during platform operation period)

You may not:

• Copy, download, or record course videos or text content
• Share course links / accounts with others
• Resell, sublicense course content to third parties
• Use for commercial purposes (including: creating paid courses using ASTC content, marketing materials)
• Mass screenshot and republish content

6 · Investment Disclaimer (Important)

• All ASTC course content, screener, market commentary, videos, articles do not constitute investment advice, recommendations, or guarantees
• Past performance does not indicate future results (industry-standard disclaimer)
• Market movements, individual stock prices, macroeconomics cannot be predicted; any guaranteed-profit claim is fraud
• You bear all profit and loss; ASTC and instructor "Atom" assume no legal or financial liability for any investment outcome
• Before actual investing, consult a qualified financial advisor, accountant, or attorney
• This service does not proactively recommend specific stocks, timing, or position sizes — those are your decisions

If you do not accept these terms, please do not purchase any ASTC course or service.

7 · User Conduct

While using ASTC, you may not:

• Provide false personal information during registration
• Access backend, other users' accounts, or databases without authorization
• Use bots, crawlers, or automation to mass-scrape content
• Send spam, harass other students, or incite hate
• Post advertising, fraud, pornographic, or violent content in community sections
• Engage in any activity that violates Taiwan or your local laws
• Attempt to crack or bypass payment mechanisms (DRM reverse engineering, etc.)

8 · Account Termination

We may terminate your account without refund in these cases:

• Violation of Section 5 (Intellectual Property)
• Violation of Section 7 (User Conduct)
• Payment fraud, credit card chargeback abuse
• Sharing accounts with multiple people
• Persistent harassment of other students or staff
• Long-term inactivity (no login for 5 consecutive years)

You may also delete your account at any time (30-day grace period, then permanent deletion).

9 · Anti-Fraud Notice (Important)

• Atom will never proactively invite you to any group (LINE / Telegram / WeChat groups) — 1-on-1 student support is the exception (paid students only)
• Atom will never proactively recommend specific stocks / hot tips / insider info via DM (even paid students will not receive "stock picks")
• Atom will never request money transfers to any personal bank account
• Atom will never use words like "guaranteed profit" / "sure win" / "double your money"
• All ASTC courses are sold only through astc.cc + Stripe / Kajabi checkout — no other payment methods accepted

Encountering any of the above = 100% scam. Please:

1. Block the account immediately
2. Screenshot and save evidence
3. Email us: atom@astc.cc — we'll post a public alert for other students
4. For larger amounts, file a police report

10 · Changes to Terms

These terms may be updated periodically. For material changes:

• Subscribed users receive notification email
• Update banner on website homepage and App launch
• 14-day grace period before new terms take effect

Continued use of the service = acceptance of updated terms. If you disagree, you may stop using and request a refund (per Section 4).

11 · Governing Law & Jurisdiction

These terms are governed by the laws of the Republic of China (Taiwan).

For disputes:

• Resolve via good-faith negotiation first (email atom@astc.cc)
• If unresolved → Taipei District Court, Taiwan as the court of first instance

12 · Contact Us

Last updated: April 30, 2026 · First publication.