Effective Date: December 16, 2024 Last Updated: December 30, 2025

Welcome to Sqilled. By accessing https://sqilled.co (the “Site”)
or using our Services, you agree to these Terms & Conditions. Sqilled is an
educational brand operated by Creatix Hub LLC.

1. Educational Services Only Sqilled provides
professional development, digital workshops, and training programs focused on
market data analysis and risk management education (the “Services”).

2. Professional Education Disclaimer (No Financial
Advice)

• Not
  a Broker: Sqilled is not a financial advisor, registered investment
  advisor, or brokerage firm.
• Educational
  Purpose: All content is for educational and informational purposes
  only. We do not provide personalized investment recommendations,
  “signals,” or trade execution services.
• Risk
  Disclosure: Trading involves significant risk. You are solely
  responsible for your own financial decisions.

3. SMS Program Terms (Mandatory for Approval) By
opting in to receive SMS alerts from Sqilled:

• Program
  Description: You will receive automated educational alerts, Jan 19th
  workshop reminders, and curriculum updates via an SMS autodialer
• Consent:
  You acknowledge that consent is not a condition of purchase.
• Opt-Out:
  Text STOP to cancel at any time. After texting STOP, you will
  receive one final confirmation message.
• Support:
  Text HELP for assistance or email support@sqilled.co.
• Rates:
  Message and data rates may apply. Message frequency varies by enrollment.

4. Refunds & Replay Access

• Refunds:
  Requests must be submitted within 7 days after a program ends.
• Replays:
  If included, replay access is typically available for 7 days post-workshop
  unless otherwise stated.

5. Intellectual Property All curriculum, worksheets,
and videos are the property of Creatix Hub LLC. Content is for personal,
non-commercial use only. Reselling or public distribution is strictly
prohibited.

6. Governing Law These Terms are governed by the laws
of the State of California.

7. Contact Information Email: support@sqilled.co Business
Address: Creatix Hub LLC, 2010 Crow Canyon Place, Suite 100, San Ramon, CA 94583