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Effective April 28, 2026 · Version 3.0
These Terms of Service ("Terms") form a legally binding agreement between you ("you", "User") and Mentorly ("Mentorly", "we", "us", "the Platform"). By accessing, browsing, registering for, or using the Platform in any way, you represent that (a) you are at least 18 years old and legally capable of entering contracts in your jurisdiction; (b) you have read, understood, and agree to be bound by these Terms and our Privacy Policy; (c) your use of the Platform will not violate any law or third-party right.
If you do not agree to every provision, you must not use the Platform. Your only remedy for dissatisfaction with the Platform is to stop using it.
Mentorly is a directory and ranking platform that aggregates, displays, and ranks third-party trading mentors based on data those mentors voluntarily submit and on user-submitted reviews. Mentorly is a neutral publisher and ranking engine. We do not:
The only verification Mentorly performs on a mentor is an "Identity Verified" check, completed via a secure third-party identity provider (currently Stripe Identity). Mentorly does not access or store ID images, government documents, or any biometric data. The "Identity Verified" label confirms only that the mentor passed a third-party identity check. It is not an audit, endorsement, certification, or guarantee of performance, skill, results, or legitimacy. All performance data is self-reported by the mentor, stored privately, and reviewed by Mentorly for internal consistency only, never audited or certified. You transact with mentors entirely at your own risk.
You acknowledge that Mentorly is a neutral directory and information platform. We do not create, develop, or control the underlying mentor services, and we do not guarantee any outcome from your interaction with any mentor.
Nothing on Mentorly constitutes financial, investment, or trading advice. All content, mentor profiles, scores, rankings, charts, reviews, community posts, educational material, is provided for informational purposes only. Trading and investing in financial markets (including but not limited to equities, futures, forex, options, and cryptocurrencies) involves substantial risk, including the risk of total loss of capital. Past performance is not indicative of future results. Hypothetical or simulated results have inherent limitations and do not represent actual trading.
You are solely responsible for all decisions you make based on content on the Platform. You agree that you will not rely on Mentorly, any mentor, or any user as your exclusive source of investment information, and that you will consult a licensed professional before making investment decisions. See our Risk Disclosure and Non-Advisory Agreement for additional terms applicable to mentors.
You acknowledge and agree that you do not rely on Mentorly as the basis for any financial, business, purchasing, or other decision. You are solely responsible for independently evaluating any mentor, service, or opportunity presented on the Platform, including performing your own due diligence. Any information, score, ranking, review, badge, label, or signal provided by Mentorly is a data point only and is not a recommendation or endorsement.
You voluntarily assume all risks associated with your use of the Platform and any interaction with mentors, users, reviewers, or third parties, including but not limited to: financial loss, trading losses, fraud, misrepresentation, breach of promise, failure to deliver services, dissatisfaction with services, data breach, or emotional distress. You agree that Mentorly is not the cause of, and is not responsible for, any of these risks materializing.
You are responsible for (a) all activity under your account; (b) maintaining the confidentiality of your credentials; (c) providing accurate, current information. You must not share, sell, or transfer your account, create duplicate accounts, or use another person's account. We may suspend or terminate accounts we reasonably suspect of fraud, abuse, shared use, automated activity, or violation of these Terms.
We strongly recommend enabling two-factor authentication. Mentorly supports TOTP-based 2FA for all account types. You are responsible for safeguarding your recovery codes; lost recovery codes may result in permanent account loss.
Mentorly's revenue comes exclusively from two sources:
Neither fee affects rankings. Mentorly does not offer, accept, or operate any paid-placement, "sponsored" ranking, boost, or pay-to-rank arrangement of any kind. Rankings are produced by an algorithmic engine that uses self-reported performance data (reviewed for internal consistency only), student counts, retention, and review signals. The Platform contains no advertising slots and no mentor may pay to be placed higher.
Listing fees are billed monthly via Stripe and are non-refundable for the current billing period (see Refund Policy). You may cancel renewal at any time from your dashboard; cancellation takes effect at the end of the current paid period.
Mentors progress through a multi-stage onboarding pipeline before publication: (1) Application submitted; (2) Application reviewed by Mentorly; (3) Conditional acceptance; (4) Profile setup and content upload; (5) Acceptance of the Terms, Privacy Policy, Mentor Agreement, Risk Disclosure, and Non-Advisory Agreement; (6) Identity Verification through Stripe Identity; (7) Submission of trading documents and screenshots to private storage; (8) Live verification call with screen share; (9) Signing of the Post-Verification Declaration; (10) Final consistency review; (11) Publication of the public profile.
Each acceptance is recorded with timestamp, hashed IP address, user-agent, and the version of the document accepted. The mentor may not be published until all stages are complete. Mentorly may at any time and at its sole discretion request additional information, decline to publish, suspend a mentor, or remove a mentor from the directory. The presence of a mentor on Mentorly is not, and shall not be represented by anyone as, an endorsement.
If you apply as or act as a mentor, you represent and warrant that: (a) all data you submit is truthful, accurate, and your own; (b) you have all rights necessary to submit that data; (c) your trading and mentorship activities comply with all applicable laws, including securities, consumer-protection, and advertising laws in every jurisdiction where you operate; (d) you will not guarantee trading returns or make misleading earnings claims; (e) you will not use Mentorly to solicit funds for management, pool investor capital, or act as an unregistered adviser or broker; (f) you will not use the "Identity Verified" badge or any Mentorly mark to imply Mentorly endorses your performance, certifies your skill, or audits your results.
Mentors are additionally bound by the Mentor Agreement, the Risk Disclosure, and the Non-Advisory Agreement, all of which form an integral part of these Terms for any user acting as a mentor. In the event of conflict, the Mentor Agreement controls with respect to mentor conduct.
Submission of fabricated, manipulated, cherry-picked, or otherwise misleading data is a material breach and may subject you to account termination, public delisting, and referral to regulators or law enforcement. You agree that Mentorly may describe the reason for any termination publicly, factually, and without liability.
The Platform allows users to submit reviews, community posts, watchlist reports, and other content ("User Content"). You are solely responsible for your User Content. By submitting User Content you represent that (a) it is your own honest first-hand experience or a good-faith, substantially true statement; (b) you have the right to publish it; (c) it does not violate any law or third-party right including defamation, privacy, publicity, or intellectual property rights; (d) it is not confidential or under non-disclosure.
You grant Mentorly a worldwide, irrevocable, perpetual, royalty-free, sublicensable license to host, store, reproduce, publicly display, distribute, translate, adapt, moderate, and remove your User Content in connection with the Platform and its promotion. You waive moral rights to the extent permitted by law.
Mentorly is an interactive computer service provider under Section 230 of the Communications Decency Act (47 U.S.C. § 230). We do not adopt or endorse User Content. Mentorly does not independently verify or assert the truth of user allegations unless explicitly supported by publicly available court records or regulatory findings. Allegations made by users are the opinions and statements of those users, not statements by Mentorly.
The Reports section aggregates user-submitted allegations about individuals and groups accused of fraud or deceptive practices in the trading-education space. Public-facing labels for these entries are neutral classifications, "Report Submitted", "Multiple Reports", "Public Record Found", "Under Review", "Disputed", "Dismissed". These labels describe Mentorly's administrative treatment of a submission and are never declarations of guilt or legal findings.
If you are named in the Watchlist and believe an entry is inaccurate, you may submit a dispute via the on-page form or email legal@mentorly.io with supporting evidence. Mentorly reviews all good-faith dispute and takedown requests within five (5) business days. By using the Platform, you agree that the Watchlist is an expression of opinion and reporting on matters of public concern protected by applicable law, and that you will pursue the dispute process before initiating any legal action.
Mentorly has no obligation to pre-screen, review, or monitor User Content or user activity, but reserves the unconditional right to do so at its sole discretion. Mentorly may remove, restrict, demote, edit, or refuse to publish any content at any time, for any reason or no reason, without prior notice and without liability to any user. No one has a right to have content published on the Platform.
The Platform may link to, integrate with, or reference third-party services, including but not limited to payment processors (Stripe), identity verification providers (Stripe Identity), email infrastructure (Twilio SendGrid), database providers (Neon), bot-protection services (Cloudflare Turnstile), mentorship platforms (Whop, Discord, Telegram), broker platforms, and communication tools. Mentorly does not control, endorse, sponsor, or take responsibility for any third-party service, website, content, transaction, or conduct. Your dealings with any third party are solely between you and that third party, and Mentorly is not a party to, and has no responsibility for, any such dealing. You leave the Platform at your own risk and are subject to the third party's own terms and privacy policies. See our Privacy Policy for the full list of subprocessors.
You agree not to: (a) use the Platform for any unlawful, fraudulent, harmful, harassing, or defamatory purpose; (b) submit false, misleading, or manipulated data; (c) post content that is threatening, discriminatory, sexually explicit, or infringing; (d) dox, harass, or target any person; (e) attempt to probe, scan, or test the vulnerability of the Platform; (f) access or attempt to access data you are not authorized to access; (g) scrape, harvest, or automate data collection from the Platform without written permission; (h) impersonate any person; (i) use the Platform to market financial products or services unrelated to mentorship; (j) interfere with other users' use of the Platform; (k) reverse-engineer, decompile, or attempt to derive the source code of the Platform; (l) upload viruses, malware, or any code intended to disrupt the Platform.
The Platform, including its code, design, trademarks, logos, and aggregated content, is owned by Mentorly and its licensors and is protected by copyright, trademark, and other laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Platform for its intended purpose. All rights not expressly granted are reserved.
Mentor-submitted content (profile bios, images, links) remains owned by the mentor, who grants Mentorly the license described in Section 10 to display it on the Platform.
Mentorly respects intellectual property rights and complies with the Digital Millennium Copyright Act (17 U.S.C. § 512). Detailed procedure is set out at /dmca. Repeat infringers are terminated. Our designated DMCA agent is dmca@mentorly.io.
THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, whether express, implied, or statutory. Mentorly disclaims all warranties including, without limitation, implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, and quiet enjoyment. We do not warrant that the Platform will be uninterrupted, error-free, secure, or free of harmful components, or that any information on it is accurate or current.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL MENTORLY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR:
To the fullest extent permitted by law, Mentorly's aggregate liability to you for all claims arising out of or related to the Platform is limited to the greater of (a) the amount you paid to Mentorly in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100.00).
These limitations apply regardless of the theory of liability, whether in contract, tort (including negligence), strict liability, warranty, statute, or otherwise, even if Mentorly has been advised of the possibility of such damages and even if a remedy fails of its essential purpose. Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the smallest extent permitted by law.
You agree to defend, indemnify, and hold harmless Mentorly and its officers, directors, employees, agents, contractors, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your access to or use of the Platform; (b) your User Content; (c) your violation of these Terms or any law or third-party right; (d) any trading, investment, or financial transaction you engage in related to the Platform; (e) any dispute between you and another user. Mentorly reserves the right, at your expense, to assume the exclusive defense of any matter for which you are required to indemnify us, and you agree to cooperate with our defense.
READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
This arbitration provision is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.). Except for claims for injunctive relief to protect intellectual property, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform (a "Dispute") will be resolved exclusively through final and binding individual arbitration, not in court. The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The seat of arbitration shall be Miami, Florida, USA, or any other location both parties agree to in writing. The language of arbitration shall be English. The arbitrator's decision shall be final and enforceable in any court of competent jurisdiction.
Mentorly will pay your AAA filing fees and arbitrator costs for any claim under US$10,000, except that if the arbitrator determines your claim was frivolous or brought for an improper purpose, you will reimburse those costs.
Jury-trial waiver. You and Mentorly each waive any right to a trial by jury in any Dispute.
Class action waiver. You and Mentorly each agree that any Dispute will be brought in an individual capacity only, and not as a plaintiff or class member in any class, collective, consolidated, or representative action. The arbitrator may not consolidate the claims of multiple parties or preside over any class or representative proceeding. If this class action waiver is found unenforceable as to any claim, that claim shall proceed in court but all other claims remain in arbitration.
30-day opt-out. You may opt out of this arbitration agreement by sending written notice to legal@mentorly.io within 30 days of first accepting these Terms. The notice must include your full name and email. Opting out does not affect the other Terms.
Time limit. Any Dispute must be filed within one (1) year after the cause of action arises. Otherwise, the claim is permanently barred.
These Terms are governed by the laws of the State of Florida, USA, without regard to conflict-of-laws principles. For any matter that a court (rather than an arbitrator) must hear, the parties consent to exclusive jurisdiction and venue in the state and federal courts located in Miami-Dade County, Florida. Each party irrevocably waives any objection to such venue as inconvenient.
If you live outside the United States, mandatory consumer-protection laws of your country may grant additional rights that these Terms cannot lawfully waive.
We may suspend, restrict, or terminate your access to the Platform at any time, with or without cause or notice. Upon termination your right to use the Platform ceases. Sections that by their nature should survive termination, including User Content license, Disclaimers, Limitation of Liability, Indemnification, Arbitration, Governing Law, and these miscellaneous provisions, survive.
You may close your account at any time by emailing support@mentorly.io. Account closure does not entitle you to a refund of fees paid for the current period (see Refund Policy).
We are not liable for any delay or failure caused by events beyond our reasonable control, including acts of God, war, terrorism, pandemic, labor disputes, internet or power outages, denial-of-service attacks, governmental actions, or third-party service failures.
We may modify these Terms at any time. Material changes will be announced via the Platform or email at least 14 days before taking effect. Your continued use of the Platform after the effective date constitutes acceptance. If you do not agree, you must stop using the Platform.
The version and effective date at the top of this page indicate the currently in-force version. Older versions are archived and available on request.
Severability: If any provision is held invalid or unenforceable, the remaining provisions remain in full force, and the invalid provision will be enforced to the fullest extent permitted by law.
No Waiver: Our failure to enforce any right or provision is not a waiver of that right or provision.
Entire Agreement: These Terms, the Privacy Policy, and (for mentors) the Mentor Agreement, Risk Disclosure, and Non-Advisory Agreement are the entire agreement between you and Mentorly and supersede all prior agreements.
Assignment: You may not assign these Terms without our prior written consent. We may assign them freely, including in connection with a merger, acquisition, or sale of assets.
No Third-Party Beneficiaries.
Headings are for convenience only and do not affect interpretation.
Notices to you may be sent via email to the address on file or by posting on the Platform.
General: support@mentorly.io
Legal / takedown / correction: legal@mentorly.io
DMCA designated agent: dmca@mentorly.io
Privacy / data subject requests: privacy@mentorly.io
Security disclosures: security@mentorly.io · machine-readable policy at /.well-known/security.txt
Mentorly is a neutral directory. We do not provide financial advice or endorsements. Read also our Terms, Privacy Policy, Mentor Agreement, Risk Disclosure, Non-Advisory Agreement, Cookies, and Refunds.