Terms of service

NFXHub is operated by Niclax Learning Hub, a business registered in Nigeria (registration 8775849), owned and run by Nicholas Ilechie. Our registered address is 21 Sterling Street, Nvuigwe Woji, Klaus Residence, Nigeria.

"We" and "us" mean Niclax Learning Hub. "You" means the person holding the account. Where these terms and a separate written agreement with you disagree, the separate agreement wins.

Two things are sold, and they are not the same purchase.

• NFX Trading Mastery is a one-time purchase. It grants a personal, non-transferable licence to access the course for as long as we operate it. We describe that as lifetime access, and we mean the lifetime of the product, not a promise that any business runs forever. If we ever stop operating it, section 9 says what happens.
• NFX Ledger is a subscription. It renews on the period you chose until you cancel, and access ends when the paid period ends.

Creating an account is free and grants neither. An account holds your progress and your purchases; access to a product comes from buying it, or from us granting it to you directly.

• You must be at least 18 to hold an account. We do not knowingly sell to anyone younger.
• One account, one person. Accounts are not shared, resold, or transferred. We use access patterns to detect sharing, and section 10 covers what happens when we find it.
• Give us an email address you actually read. Purchase confirmations, password resets and any notice about your access go there.
• Keep your password to yourself. Activity under your account is treated as yours. If you think someone else has access, email support@nfxhub.com and change your password.

We sell on two payment rails, and the answer to "who am I actually buying from" differs between them. This matters for your invoice, your tax, and the name that appears on your statement.

On the Naira rail, Paystack processes the payment and the sale is ours. You are contracting with Niclax Learning Hub, and we handle refunds directly.

On the international rail, Paddle is the Merchant of Record. In plain terms, Paddle buys the product from us and resells it to you, so Paddle is the seller on that transaction. Paddle's own buyer terms apply alongside these, Paddle calculates and remits any sales tax or VAT, Paddle issues your invoice, and refunds are paid out through Paddle. Our commitments in section 5 still bind us: we instruct the refund, Paddle executes it.

Prices are shown in the currency of your region and include any tax Paddle is required to add at checkout. Your bank may add a currency conversion fee, which is between you and your bank.

We offer a 7-day money-back guarantee on a first purchase of NFX Trading Mastery. Ask within 7 days of the purchase date and we refund it. You do not have to justify the request.

The full policy, including how subscriptions and repeat purchases are handled and how long the money takes to arrive on each rail, is at /refund-policy. Where that page and this section disagree, that page wins.

Buying a course buys you a licence to use it, not ownership of it. We keep all intellectual property in the material: video, written lessons, templates, the journal system, and the method itself.

You may:

• Use everything for your own trading, indefinitely, on your own devices.
• Take notes, screenshot for your own reference, and apply the method to your own money.

You may not:

• Share your login, or give anyone else access to paid material.
• Download, re-host, resell, or redistribute any part of the course.
• Teach the material as your own, or use it to build a competing course.
• Scrape the site, or use automated tools to bulk-download content.
• Present yourself as certified, endorsed, or partnered with us unless we have said so in writing.

Some purchases include access to our Discord community. It is a place to ask questions and post your own work. It is not a signal room, and we do not run one.

Discord is a third-party service with its own terms, which you accept separately by using it. We can remove you from our server at any time for abuse, spam, selling to other members, or posting other people's paid material. Removal from Discord does not affect your course access, and does not entitle you to a refund.

We are not a registered investment adviser, dealer, or portfolio manager in Nigeria or anywhere else, and nothing we provide should be read as a personal recommendation. We do not know your finances, your obligations, or your risk tolerance, and we do not assess them. Before acting on anything you learn here, consider taking advice from a licensed professional in your own country.

Specifically, and without hedging:

• We do not provide signals. We teach a method for reading markets. Any market commentary we publish is illustration of that method, not an instruction to take a position.
• We do not manage money. We never ask for access to your trading account, and we will never ask you to send us funds to trade. Anyone claiming otherwise in our name is impersonating us. Report it to support@nfxhub.com.
• We guarantee no result. Nothing here is a promise, projection, or reasonable expectation of profit. Your outcome depends on your capital, your discipline, your broker, and market conditions we do not control.
• Past performance proves nothing about the future. That applies to any result shown by us, by an instructor, or by another student. Results shown for teaching are historical and specific to their circumstances.
• Trading leveraged instruments carries a high risk of losing money rapidly. Losses can exceed deposits with some brokers and products. Only risk money you can afford to lose entirely.

The tools inside the platform, including the journal, its risk figures and its health triggers, are bookkeeping and self-review instruments. They record and analyse what you tell them. They do not verify your inputs, they do not advise you, and a number they display is not a permission to trade.

Trading decisions are yours. Any loss you make is yours. That is not us avoiding responsibility, it is the actual arrangement: we teach, you decide, you carry the result.

We aim to keep the platform available, and we do not promise it never goes down. Maintenance, hosting failures and third-party outages happen, and we are not liable for the consequences of a temporary interruption.

Courses are updated over time. Lessons are added, re-recorded and occasionally removed when a method changes or material stops being accurate. If we retire NFX Trading Masteryentirely, we will give lifetime-access holders at least ninety days' notice and a way to download the core material before access ends.

You can stop using the platform at any time, and ask us to delete your account by emailing privacy@nfxhub.com. Deleting an account gives up any access it holds, and outside the refund window it is not refundable.

We can suspend or end your access if you share your login, redistribute paid material, charge back a payment instead of asking for a refund, abuse other members or our team, or use the platform for anything unlawful. Where the breach is plausibly a mistake, we tell you and give you a chance to fix it. Where it is deliberate redistribution, we do not.

Nothing here limits liability for fraud, for death or personal injury caused by negligence, or for anything else the law does not allow to be limited. Some consumer-protection laws give you rights that a contract cannot remove, and those rights stand.

Subject to that, our total liability to you for any claim connected to the platform is capped at what you paid us in the twelve months before the claim. We are not liable for trading losses, lost profits, or lost opportunity, however they arise. Section 8 is the reason: the product is education, and what you do with it is outside our control.

These terms are governed by the laws of Nigeria, and the courts there have jurisdiction over any dispute. If you are a consumer elsewhere, this does not take away the protection of mandatory laws in your own country.

We update these terms when the business changes. The date at the top always shows the current version. For a change that materially reduces what you get, we email account holders at least thirty days before it takes effect. Continuing to use the platform after that means you accept the change.

Niclax Learning Hub, 21 Sterling Street, Nvuigwe Woji, Klaus Residence, Nigeria. General and billing questions: support@nfxhub.com. Privacy and data requests: privacy@nfxhub.com.