1. Licensing & Usage Rights

All Content provided by The Stock Market is licensed, not sold.

Your right to use Content is strictly limited by the membership tier you purchase and remains valid only while your membership is active and in good standing.

Personal Use License (Beginner Investor)

Permitted uses include:

• Personal brand content

• Portfolio mockups

• Moodboards or inspiration

• Non-commercial social content

Prohibited uses include:

• Client work

• Paid advertisements

• Websites, sales pages, or funnels for businesses

• Templates, digital products, or resale items

Commercial Use License (Day Trader)

Permitted uses include:

• Client projects

• Websites and branding assets

• Social media marketing

• Email campaigns

• Digital products (excluding resale of images themselves)

Strictly Prohibited (All Memberships):

• Reselling, redistributing, sublicensing, or sharing Content

• Uploading Content to stock libraries, asset marketplaces, or design platforms

• Offering Content as part of a downloadable or transferable asset

• Using Content after cancellation or failed payment

• Using Content outside the scope of your membership tier

2. Intellectual Property & Ownership

• All Content remains the exclusive intellectual property of The Stock Market and its contributing creators.

• You may not claim ownership, authorship, or creative credit for any Content.

• You may not represent Content as your own original photography or creative work.

• You may not copy, replicate, or intentionally recreate The Stock Market’s unique visual concepts, collections, or creative direction for competing platforms or services.

This includes — but is not limited to — recreating shoot concepts, themes, or collection structures in a way that would reasonably be considered derivative or competitive.

3. Attribution & Misrepresentation

You may not:

• Present Content as work you personally created

• Submit Content to awards, competitions, or publications as original work

• Use Content in a way that falsely implies exclusive ownership or authorship

Any form of misrepresentation is considered a material breach of these Terms.

4. Membership Access & Termination

• Memberships are billed on a recurring basis.

• You may cancel at any time; however, no refunds are issued.

• Upon cancellation or failed payment, all usage rights are immediately revoked.

• Continued use of Content after cancellation constitutes copyright infringement.

We reserve the right to suspend or terminate accounts without notice if misuse or abuse is detected.

5. Enforcement, Legal Action & Costs

If you violate these Terms, we reserve the right to:

• Immediately revoke access

• Issue a takedown notice

• Pursue legal action

You agree that you are financially responsible for all costs associated with enforcement, including but not limited to:

• Legal fees

• Court costs

• Attorney fees

• Damages and settlement costs

This applies whether action is taken informally or through litigation.

6. Limitation of Liability

The Stock Market is not liable for:

• Loss of business, revenue, or profits

• Misuse of Content by third parties

• Creative interpretation of imagery by end users

Image quality may vary due to film grain, lighting conditions, or artistic direction. These characteristics are intentional and are not grounds for dispute or refund.

7. No Guarantees

We make no guarantees regarding:

• Increased sales

• Engagement metrics

• Business outcomes

Content performance depends on many factors outside our control.

8. Modifications to Terms

We reserve the right to update these Terms at any time. Continued use of the platform constitutes acceptance of updated Terms.

9. Governing Law

These Terms are governed by the laws of the United States and the state in which The Stock Market is registered.