Terms of Service

Acceptance of Terms

These Terms of Service ("Terms") form a binding agreement between you and Delta Dividends LLC, the operator of wheelstrategy.io ("wheelstrategy.io," "the Site," "the Company," "we," "us," or "our"). By accessing or using the Site in any way — including browsing, using a calculator, reading content, or signing up for email updates — you accept and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not access or use the Site.

Eligibility

The Site is intended for adults. By using the Site, you represent and warrant that you are at least 18 years old (or the age of majority in your jurisdiction, if higher) and legally capable of entering into a binding contract. The Site is not directed at, and should not be used by, anyone under that age.

You further represent that your use of the Site, and any trading or investment activity you undertake after reading content on the Site, complies with the laws and regulations of the jurisdiction in which you reside. It is your responsibility to determine whether options trading is lawful and appropriate for you where you live.

Description of Service

wheelstrategy.io provides free educational content about options trading, specifically the Wheel Strategy involving cash-secured puts and covered calls. The Site includes educational articles, a glossary of options-related terms, and interactive calculators for estimating potential trade outcomes. The Site does not execute trades, hold funds or securities, provide brokerage services, or manage money on behalf of any user.

Educational Purpose Only

All content on this Site is provided for educational and informational purposes only. Nothing on this Site constitutes financial advice, investment advice, trading advice, tax advice, legal advice, or any other form of professional advice, and nothing on the Site should be construed as a recommendation to buy, sell, hold, or otherwise transact in any security, option, or other financial instrument. You should consult with a qualified, licensed financial advisor, tax professional, or attorney before making any investment decision.

No Advisory or Fiduciary Relationship

Delta Dividends LLC and its owners, employees, and contributors are not registered as an investment adviser, broker-dealer, financial planner, or in any similar capacity with the U.S. Securities and Exchange Commission, any state securities regulator, FINRA, or any other regulatory body in any jurisdiction. Your use of the Site does not create an advisory, fiduciary, brokerage, or other professional relationship between you and the Company. We do not know your individual financial circumstances, objectives, or risk tolerance, and nothing on the Site is personalized to you.

No Guarantee of Accuracy

While we strive to keep the information on this Site accurate and up-to-date, we make no warranties or representations, express or implied, about the accuracy, completeness, timeliness, reliability, or suitability of the information, calculators, or tools provided. Market data, option prices, and figures you enter or see on the Site may be delayed, hypothetical, estimated, or otherwise not reflective of live, tradable market conditions. Any reliance you place on such information is strictly at your own risk.

Investment Risk Disclaimer

Before trading options, you should carefully consider your financial situation and read the Options Clearing Corporation's disclosure document, Characteristics and Risks of Standardized Options, available from your broker or at theocc.com. Assignment risk, early exercise, dividend risk, liquidity risk, and total loss of premium are all possible outcomes of options strategies discussed on this Site, including the Wheel Strategy.

Assumption of Risk & Release

You acknowledge that you alone are responsible for evaluating the merits and risks associated with any use of the Site's content or tools, and that you assume full responsibility for any trading or investment decisions you make. To the fullest extent permitted by law, you release and forever discharge the Company and the Released Parties (as defined in Indemnification) from any and all claims, demands, losses, or damages of any kind arising out of or in connection with your reliance on the Site or any trading decision you make, whether or not informed by the Site.

Intellectual Property & Trademarks

All content, design, graphics, text, calculators, and code on wheelstrategy.io, other than third-party marks noted below, are the intellectual property of Delta Dividends LLC and are protected by copyright and other intellectual property laws. You may not reproduce, distribute, publicly display, or create derivative works from the Site's content without our prior written consent, except for personal, non-commercial reference, or as permitted by fair use.

Company and ticker names, logos, and trademarks referenced anywhere on the Site (for example, on ticker-specific calculator pages) are the property of their respective owners. Their use on this Site is solely for identification and educational purposes under nominative fair use, and does not imply any affiliation, sponsorship, or endorsement by those companies.

User Conduct

When using this Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to any part of the Site, its systems, or related networks
• Interfere with, disrupt, or place undue burden on the Site's servers or networks
• Scrape, crawl, harvest, or extract data or content from the Site in an automated manner without our prior written permission
• Reverse engineer, decompile, or attempt to extract the source code of any calculator or tool, except where permitted by law
• Transmit any viruses, malware, or other harmful or disruptive code
• Misrepresent your identity or impersonate any person or entity in connection with the Site

We reserve the right to investigate and take appropriate action against anyone who violates this section, including removing access to the Site.

Third-Party Links & Advertising

The Site may contain links to third-party websites and products, including tools such as PremiumTracker.com, and may display advertising or sponsored content. These links and placements are provided for convenience and informational purposes only. We do not control, endorse, or assume responsibility for the content, accuracy, products, services, or privacy practices of any third-party website. Visiting a linked site is at your own risk and subject to that site's own terms and privacy policy.

The Company may participate in affiliate, referral, or advertising arrangements and may receive compensation when you click on or make a purchase through certain third-party links on the Site. Any such compensation does not influence the educational content or calculator results presented on the Site, and does not constitute an endorsement or recommendation of any product or service.

Analytics and Cookies

We use analytics and tracking services (including Google Analytics, Microsoft Clarity, Matomo, and Umami) to understand how visitors use the Site, and an email service provider (Kit) to operate optional newsletter sign-ups. By using the Site, you consent to the processing of data about you by these services as described in our Privacy Policy, which you should review for full details on what is collected and your choices.

Copyright Complaints (DMCA)

If you believe that content on the Site infringes your copyright, please send a written notice to [email protected] that includes: (1) a description of the copyrighted work you claim has been infringed; (2) the URL or location on the Site of the allegedly infringing material; (3) your contact information (name, address, phone number, email); (4) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and (5) a statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner. We will review and respond to valid notices and may remove or disable access to material we determine to be infringing.

Disclaimer of Warranties

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS OWNERS, EMPLOYEES, CONTRIBUTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR TRADING LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE — WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID, IF ANY, TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100). BECAUSE THE SITE IS PROVIDED FREE OF CHARGE, THIS AMOUNT MAY BE ZERO.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless the Company, Delta Dividends LLC, and its owners, employees, contributors, and agents (the "Released Parties") from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Site; (b) your violation of these Terms; (c) any trading, investment, or financial decision you make, whether or not informed by content on the Site; or (d) your violation of any law or the rights of a third party.

Dispute Resolution & Arbitration

Agreement to Arbitrate. Except as provided below, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Privacy Policy, or your use of the Site (a "Dispute") will be resolved exclusively through final and binding arbitration, rather than in court, administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration will be conducted by a single arbitrator and may be conducted by telephone, videoconference, based on written submissions, or in person in a location reasonably convenient to both parties. The arbitrator, not any court, will have exclusive authority to resolve any dispute about the interpretation, applicability, or enforceability of this arbitration agreement.

Class Action & Jury Trial Waiver. You and the Company agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. Unless both you and the Company agree otherwise, the arbitrator may not consolidate more than one person's claims. You and the Company each waive any right to a jury trial.

Exceptions. Either party may instead bring an individual claim in small claims court if it qualifies. Either party may also seek injunctive or other equitable relief in court to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights, without first engaging in arbitration.

Opting Out. You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days of first becoming subject to these Terms, stating your name and a clear statement that you wish to opt out of arbitration. If you opt out of arbitration, you also opt out of the class action and jury trial waivers described above, and the courts referenced in Governing Law will have jurisdiction over any Dispute.

Severability of This Section. If any part of this arbitration agreement is found unenforceable, the remainder will still apply; provided that if the class-action waiver is found unenforceable as to a particular Dispute, then that Dispute (and only that Dispute) will proceed in court rather than in arbitration.

Governing Law

To the extent any Dispute is not subject to arbitration under the section above (including because you validly opted out), these Terms and any such Dispute will be governed by generally applicable law, without regard to conflict-of-laws principles, and will not be governed by the United Nations Convention on Contracts for the International Sale of Goods.

Termination

We may suspend or terminate your access to all or part of the Site at any time, with or without notice, for any reason, including violation of these Terms. You may stop using the Site at any time. Sections of these Terms that by their nature should survive termination — including but not limited to Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, Dispute Resolution & Arbitration, and Governing Law — will survive.

Changes to the Service and These Terms

We may add, change, suspend, or discontinue any part of the Site — including calculators, articles, or features — at any time without notice. We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date, and material changes may be highlighted at our discretion. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Site.

General Provisions

Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

No Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding the Site, and supersede any prior agreements or understandings, whether written or oral.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, or sale of assets.

Force Majeure. We will not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including acts of God, natural disaster, war, terrorism, labor disputes, internet or utility failures, or governmental action.

Electronic Communications. By using the Site or submitting your email address, you consent to receive communications from us electronically, and you agree that any notices, agreements, disclosures, or other communications we send you electronically satisfy any legal requirement that such communications be in writing.

Contact

If you have questions about these Terms, please contact us at [email protected].