Terms of Service

The agreement between you and Yield and Growth LLC when you use this site or a membership. Plain language, no traps.

1. What Yield and Growth is

Yield and Growth is an education service. We publish daily trade ideas produced by our own screening process, a public track record of those ideas, educational guides, and calculators. Nothing we publish is financial advice, a recommendation, or an offer to buy or sell any security or futures contract. Trade ideas are informational — a window into our process. What you do with your own money is your decision, and we encourage you to consult a licensed financial professional.

2. Eligibility and accounts

You must be at least 18 years old to create an account or buy a membership.
You're responsible for keeping your sign-in credentials secure and for activity under your account. Turn on two-factor authentication — we offer it free.
One account per person. Memberships are for your own use and are not transferable.

3. Membership tiers and billing

Free. A limited set of trade ideas (one per strategy per day), one archived idea per day, the Learn Hub library, and the public Universe roster with quality grades.
Pro. Every published trade idea, the full research cards, all ten tools, the full archive, and the member analytics described on the Plans page.
Platinum. Everything in Pro plus the live-book features described on the Plans page. Platinum's connected lane, when you choose to connect it, is read-only: it can display measurements about your positions and can never place, modify, or cancel a trade.
Trials. Monthly and yearly plans offer a 14-day free trial. A payment card is required to start a trial; unless you cancel before the trial ends, it converts to a paid subscription that renews automatically at the end of each paid period (monthly or yearly) until cancelled.
Renewals. Subscriptions renew automatically at the price shown when you subscribed. You can cancel anytime — see the Refund & Cancellation Policy.
Payments are processed by Stripe. Prices are in US dollars. We may change prices for future subscribers; if a change ever applies to your subscription, we'll email you before it takes effect.

4. Acceptable use

Don't scrape, bulk-download, or systematically harvest trade ideas, archives, or member content, and don't republish or resell them as your own product or feed.
Don't attempt to access another member's account or data, probe the service for vulnerabilities outside of good-faith security research reported to us privately, or disrupt the service.
Don't use the service to facilitate unlawful activity.

We may suspend or end accounts that break these rules. If we end your account for a rule violation, no refund is owed for the current period; if we end the service or your account for any other reason, we'll handle refunds fairly under the Refund & Cancellation Policy.

5. Your content

Data you upload or enter (trade files, positions, journal entries) remains yours. You give us permission to store and process it solely to provide the features you use. You can delete your data by deleting your account or emailing us.

6. Intellectual property

The site's content — guides, screens, tools, text, and design — belongs to Yield and Growth LLC or its licensors. Your membership gives you a personal, non-exclusive license to read and use it for your own education. Our screening process and rule engine are proprietary; we describe what they govern, not their internal parameters.

7. Disclaimers

The service is provided "as is." Options and futures trading involves substantial risk of loss, including the possible loss of some or all of your capital; see the Risk Disclosure. Past performance — including our published track record — is not indicative of future results. Track-record figures are computed from the ideas we published and the prices recorded when they were published and closed, as described on the site; they are not a promise of what any member will earn. Tax summaries and figures we compute from your data are informational only and are not tax advice.

8. Limitation of liability

To the maximum extent permitted by law, Yield and Growth LLC's total liability arising from your use of the service is limited to the amounts you paid us in the twelve months before the claim, and we are not liable for trading losses, lost profits, or other indirect or consequential damages. Nothing in these terms limits liability that cannot legally be limited.

9. Governing law

These terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law rules. Disputes will be resolved in the state or federal courts located in Tennessee, unless applicable law requires otherwise.

10. Changes

We may update these terms; material changes will be noted here with a new effective date, and where a change affects paying members materially, we'll email members before it takes effect. Continuing to use the service after a change takes effect means you accept it.

Effective October 18, 2026 · Yield and Growth LLC · Questions: info@yieldandgrowth.com