Legal notice, terms and privacy

1. Identification and acceptance

Market Radar is a service providing educational and general information about financial markets, operated and marketed by Gap Pattern LLC, which acts as the website owner, service provider and contracting party. Market Radar and the domains albertbretxa.com and marketradar.albertbretxa.com are trade names and digital channels used by Gap Pattern LLC. They do not constitute a separate legal entity.

For legal, privacy, support, purchasing, withdrawal, refund or user rights inquiries, the primary written contact is hola@albertbretxa.com.

Accessing, browsing, registering for, purchasing or using Market Radar makes you a user and implies acceptance of this legal notice, these terms and conditions, the privacy policy, the cookie policy and the risk notice. If you disagree with this document, you must refrain from using the website, membership and content.

Accessing the website does not, in itself, establish a commercial, professional, financial advisory, wealth management or investment intermediary relationship. A commercial relationship will exist only when the user purchases a membership, product or service offered by Market Radar.

2. Purpose of the service

Market Radar offers a digital membership focused on learning about, monitoring and analyzing markets. Depending on the offering available at any given time, membership may include periodic access to market conditions, companies on the radar, potential opportunities for analysis, market reports or commentary, case studies, Q&A sessions, answers to members' questions, digital materials, newsletters, private posts and other related resources.

Content is delivered digitally and may be updated, reorganized, expanded, removed or replaced. Unless a specific offer expressly establishes a fixed frequency, the timing, format, schedule, methodology, access or availability of certain content may vary for technical, editorial, commercial, security or service improvement reasons.

3. Users, minimum age and accounts

To use the membership or access paid content, you must be over 18 and have sufficient legal capacity to enter into a contract. The user declares that the information they provide during registration, purchasing, payment, billing or support is accurate, current and lawful.

If the service requires an account, the user is responsible for keeping their credentials confidential, preventing unauthorized access and reporting any misuse or suspected breach to hola@albertbretxa.com. Market Radar may suspend, restrict or cancel accounts when it detects fraudulent use, unauthorized account sharing, breach of these terms or risks to the security of the service.

4. Purchasing, payments, cancellation and withdrawal

Plans, pricing and renewal

The contract for Market Radar is entered into between the user and Gap Pattern LLC. Unless the purchasing page states otherwise, a monthly membership is offered at 59 euros per month and an annual membership at 590 euros per year. Displayed amounts are final prices and include any applicable taxes. Before payment is confirmed, checkout will display the selected plan, total amount, billing frequency and renewal terms.

Membership renews automatically at the selected frequency, every month for the monthly plan and every twelve months for the annual plan, until the user cancels it. Payments are processed through Stripe and may be technically managed through WordPress, Paid Memberships Pro or equivalent tools. Market Radar does not store full card details.

Price changes will not affect periods already paid for. If a change will apply to a future renewal, it will be communicated in advance through a reasonable channel so that the user can learn the new price and cancel before renewal if they do not wish to continue.

Canceling renewal

The user can cancel renewal from their member area, when this option is available, or request help by writing to hola@albertbretxa.com. Cancellation must take place before the next renewal date to avoid a new charge.

Ordinary cancellation prevents future charges, but does not constitute exercising the right of withdrawal and does not, by itself, entitle the user to a refund for the current period. Unless there is a valid withdrawal, an improper charge, a lack of conformity or another applicable legal right, the user will retain access until the end of the monthly or annual period already paid for, and no full or proportional refund of that period will be issued.

Right of withdrawal and 14 day refund guarantee

When the user enters into a distance contract as a consumer and the statutory right of withdrawal applies, they may exercise it during the fourteen calendar days following the date the contract is concluded, without stating a reason and without penalty, in accordance with current legislation.

In addition, as a contractual guarantee favorable to the user and without prejudice to their statutory rights, Market Radar will refund the full amount of the first monthly or annual purchase if the withdrawal notice is sent within that period. This guarantee remains in place even if digital access was activated immediately or the user viewed content during those fourteen days.

The contractual fourteen day guarantee applies to the initial membership purchase and does not automatically restart with each renewal, a plan change or later account reactivation. This clarification does not restrict any right of withdrawal, termination, refund or guarantee that is mandatory under the law in a particular case.

How to exercise the right of withdrawal

You do not need to use a web form to withdraw. Simply send an email, before the period ends, to hola@albertbretxa.com containing an unequivocal statement of your decision to withdraw. To help locate and process the purchase promptly, please include the account holder's name, the account email, the plan purchased, the purchase date and, if available, the order or payment identifier. Missing any of these details will not invalidate an unequivocal notice sent within the period if the purchase can be identified by other means.

Market Radar will confirm receipt of the request by email. Compliance with the deadline will be assessed using the date on which the user sent their notice.

Effects and timing of the refund

Once the right of withdrawal has been validly exercised, membership will end and Market Radar may deactivate the account or prevent further access to digital content and services. From that point, the user must stop using the content and may not copy it, retain it for unauthorized uses or make it available to third parties.

Gap Pattern LLC will refund the payments received for the purchase being withdrawn from without undue delay and, in any event, within fourteen calendar days of being informed of the decision. The refund will use the same payment method as the purchase unless the user expressly agrees to another method that incurs no costs for them.

Other refund circumstances

Outside the above period, the user may report any duplicate or incorrect charge, a charge made after a cancellation processed on time, inability to access the service attributable to the service or a lack of conformity by writing to hola@albertbretxa.com. Each case will be reviewed in accordance with applicable legislation and the established circumstances. This policy does not restrict the consumer's statutory rights regarding digital content or services that do not conform to what was contracted.

Cancellation, withdrawal or a refund does not imply the immediate deletion of data that must be retained for legally required periods for tax, accounting, security, fraud prevention or defense against claims.

Sample withdrawal notice

The following sample is optional. The user may copy it into an email or use any other unequivocal statement.

5. Permitted use and prohibitions

The user agrees to use Market Radar diligently, lawfully, personally and in accordance with these terms. Use of the website or its content for unlawful, abusive, fraudulent, defamatory purposes, purposes that infringe third party rights or purposes contrary to good faith is prohibited.

• Sharing, selling, reselling, publishing or distributing access to membership without authorization.
• Copying, recording, extracting, automating, scraping or republishing paid content without prior permission.
• Introducing viruses, malware, attacks, automated processes or disproportionate loads on the infrastructure.
• Using content to provide professional services to third parties, create derivative products or falsely imply a relationship with Market Radar.
• Posting offensive, unlawful, misleading, promotional or manipulative content, or content that infringes third party rights, in communities, Q&A or private channels.

6. Confidentiality and community

Market Radar materials, answers, Q&A, internal comments, examples, case studies, private posts and nonpublic communications are intended for the member's personal use. The user may not reproduce, record, disseminate, upload to social media, send to third parties or make them publicly available without prior express authorization.

The opinions of users, guests, contributors or community members do not necessarily represent Market Radar's position. Moderation of comments or private spaces does not imply professional validation, financial approval or a guarantee of accuracy.

7. Intellectual property

Market Radar texts, reports, case studies, designs, trademarks, trade names, charts, screenshots, videos, documents, databases, templates, methodologies, content structure and other materials are owned by Gap Pattern LLC or its licensors, unless expressly stated otherwise.

Membership access grants the user a limited, personal, nonexclusive, revocable and nontransferable license to view the content while their access remains valid. No rights to exploit, reproduce, distribute, transform, publicly communicate, sell, sublicense or create derivative works are granted.

8. Content, links and availability

Market Radar obtains, interprets and presents information from sources it considers reasonable or reliable, but does not guarantee that content is accurate, complete, current, free of errors or suitable for a specific purpose. Markets change quickly and an idea that is valid at one point may cease to be valid shortly afterward.

The website may include links to third party websites, tools, brokers, platforms, documents, data or services. These links are provided for information and do not imply recommendation, approval, association or responsibility for third party content, operation, security or terms.

Gap Pattern LLC may interrupt, restrict, modify or suspend access to the website or membership for maintenance, improvements, technical incidents, security, provider changes, force majeure or any reasonable cause. Permanent availability or a complete absence of failures is not guaranteed.

9. Financial notice and user decisions

Reports, analyses, market conditions, companies on the radar, potential opportunities for analysis, rankings, hypotheses, comments, charts, metrics, Q&A, newsletters, videos, posts and mentions of assets are general and educational in nature. They do not take into account your personal circumstances, wealth, income, objectives, time horizon, experience, risk tolerance, residence, taxation or legal restrictions.

Nothing published by Market Radar should be interpreted as an order, personalized recommendation, solicitation, promise, guarantee, individual signal or definitive invitation to buy, sell, hold, trade, invest, divest or purchase a financial product. Before making decisions, you should conduct your own analysis, verify official sources and consult a qualified, regulated professional if needed.

10. Disclaimer of warranties and liability

The user acknowledges that they use Market Radar at their sole responsibility. To the fullest extent permitted by law, Gap Pattern LLC, as the operator of Market Radar, will not be liable for financial losses, direct or indirect damages, lost profits, loss of opportunity, unmet expectations, interpretation errors, use of third party data, technical incidents, delays, interruptions, provider security failures or decisions made by the user based on the content.

Gap Pattern LLC does not guarantee returns, outcomes, recovery of capital, absence of losses, continuity of service, permanent availability or suitability of any Market Radar content for a particular user. Past performance, backtests, simulations, hypothetical examples and historical analyses do not guarantee future results.

Nothing in this document is intended to exclude liability that cannot lawfully be excluded or to restrict nonwaivable consumer or user rights where applicable legislation prohibits doing so.

11. Privacy basics

Gap Pattern LLC processes personal data in connection with Market Radar to provide the service, manage users, memberships, payments, communications, support, the newsletter, security, website improvement and compliance with legal obligations.

12. Data we may process

• Identification and contact data, including first name, last name, email, username, encrypted password, billing details or account information.
• Membership data, including subscription status, purchased level, signup date, cancellation date, renewals, access history and association with customer or former customer groups.
• Payment data, including transaction identifiers, payment status, amount, currency, payment method and necessary tax details. Market Radar does not store full card details. These are processed through the relevant payment gateway where applicable.
• Communication data, including messages sent through forms, email replies, support requests, newsletter preferences and consent records.
• Technical data, including IP address, browser, device, pages visited, access date and time, security logs, cookies and similar technologies.
• Locally stored data. Some preferences, drafts or histories may be stored in the browser using localStorage. In principle, Market Radar does not access that information unless the user voluntarily sends or publishes it.

MailerLite and communications

Gap Pattern LLC may synchronize basic Market Radar user data with MailerLite to manage communications, lists, customer groups with active membership and former customer groups. This synchronization may include email, first name, last name and membership status.

Processing and international transfers

Gap Pattern LLC is formed in the United States and may access and process from that country the data needed to manage Market Radar. Some technology providers may also process data from the United States or other countries outside the European Economic Area. Where European data protection legislation applies, Gap Pattern LLC will use the appropriate legal mechanism to legitimize each international transfer and apply the required safeguards. The user may request further information about these safeguards by writing to hola@albertbretxa.com.

Retention

Data will be retained for as long as necessary to provide the service, manage the contractual or precontractual relationship, send authorized communications, comply with legal obligations and address potential liabilities. Data associated with billing, payments, security or claims may be retained for periods required or permitted by applicable legislation.

Rights

You can exercise your rights by writing to hola@albertbretxa.com and specifying the right you wish to exercise and the information needed to identify your account. If you believe the processing does not comply with applicable legislation, you may lodge a complaint with the competent data protection authority.

13. Cookies and local storage

Gap Pattern LLC, as the operator of Market Radar, is responsible for the use of its own cookies and similar technologies on the service's websites. Market Radar may use technical cookies necessary for website operation, preference cookies, analytics cookies and, if enabled, marketing or measurement cookies. Technical cookies allow you to log in, maintain security, remember preferences or process a membership. Nonessential cookies will be used in accordance with the consent settings displayed on the website.

Browser local storage technologies may also be used to retain preferences, drafts or temporary data from interactive tools. You can clear cookies and local storage in your browser settings, although some features may stop working correctly.

14. Security

Gap Pattern LLC will apply reasonable security measures to protect personal data and the operation of Market Radar against unauthorized access, loss, alteration or improper disclosure. However, no system connected to the internet is completely infallible, so the complete absence of viruses, errors, breaches, interruptions or harmful elements cannot be guaranteed. Content may include visible or invisible watermarks and access logs to prevent fraud, copying and unauthorized distribution.

15. Minors, jurisdiction and user obligations

Market Radar is not intended for anyone under 18. Content about markets, investing or trading is unsuitable for minors or people who do not fully understand the risks of loss. The user is responsible for complying with the laws applicable to them in their country of residence and with their tax and reporting obligations.

This document and contractual relationships with Gap Pattern LLC will generally be interpreted in accordance with the laws of the State of New Mexico and applicable United States federal law. This choice does not deprive consumers of the protection afforded by mandatory provisions of their country of habitual residence where applicable, nor does it restrict courts, authorities, complaint mechanisms or rights that cannot be excluded by contract.

16. Changes

Gap Pattern LLC may update this document to reflect legal, technical, commercial, operational or content changes to Market Radar. The current version will be the one published on this page. Significant changes may be communicated through reasonable means, such as email, a website notice or a message in the user area.

17. Contact

For inquiries about the service, privacy, data protection rights, communications, newsletter cancellation, access problems or matters related to this document, you can contact Gap Pattern LLC, operator of Market Radar, at