Legal
Terms of Use
Effective November 10, 2026
1. Who we are; accepting these terms
fregosocapital.com (the “Site”) is operated by Raul Fregoso (“we,” “us”). By using the Site you agree to these Terms and to our Privacy Policy. If you don’t agree, don’t use the Site.
2. Age
You must be at least 18 to use the member area. You must be at least 13 to use the rest of the Site. Market pages at /trading/ are not currently offered.
3. No advice of any kind
Everything on the Site is general information and education. It is not investment, financial, trading, tax, legal, or medical advice. It is not a recommendation, solicitation, or offer to buy or sell any security, option, or other financial product. It is not tailored to you. Do your own research and talk to a licensed professional before making financial, health, or legal decisions.
4. No adviser or client relationship
Raul Fregoso is not registered as an investment adviser or broker-dealer with the SEC, the California Department of Financial Protection and Innovation, or any other regulator. Using the Site, signing in, or emailing us does not create an adviser, fiduciary, broker, or client relationship. Words like “member” describe website access only.
5. Our own trading
Raul Fregoso may hold or trade positions in securities or options, including SPY and QQQ.
6. Provided “as is.”
To the fullest extent the law allows, the Site and all content, data, scores, and tools are provided “as is” and “as available,” without warranties of any kind, express or implied. That includes merchantability, fitness for a particular purpose, accuracy, timeliness, and non-infringement. We don’t promise that the Site will be available, error-free, current, or secure.
7. Limitation of liability
To the fullest extent the law allows, Raul Fregoso is not liable for:
- any trading or investment losses;
- lost profits or lost data;
- any indirect, incidental, special, consequential, or punitive damages
arising from your use of, or reliance on, the Site. This applies even if we were told such damages were possible. Our total liability for any claim relating to the Site is limited to the greater of the amount you paid us for Site access in the 12 months before the claim, or US $50. Nothing in these Terms limits liability that cannot be limited under applicable law, such as for fraud, gross negligence, or willful misconduct.
8. Indemnity
You agree to defend and indemnify Raul Fregoso against claims, losses, and costs (including reasonable attorneys’ fees) arising from your misuse of the Site, your violation of these Terms, or your violation of any law or third-party right.
9. Third-party data and links
The Site displays or relies on information from third parties. Those sources are listed on the pages where their data appears. We don’t control, endorse, or guarantee third-party data, sites, or services, and their own terms apply. Third-party data may be delayed, revised, incomplete, or unavailable. Trademarks such as S&P 500, Nasdaq-100, SPDR, SPY, Invesco QQQ, Apple, App Store, and HealthKit belong to their owners. Their use here is for identification only and does not imply endorsement.
10. Intellectual property
Except for third-party content and data, the Site’s text, design, code, and graphics are owned by Raul Fregoso. You may view the Site for your own personal, non-commercial use. You may not copy, republish, sell, or create derivative works from it without written permission.
11. Acceptable use
You agree not to:
- scrape, crawl, or use bots or other automated means to access or collect data from the Site, including any market-data pages or APIs, if offered;
- redistribute, resell, or republish Site data, scores, or charts, or build a database, feed, or product from them;
- interfere with, overload, probe, or bypass security on the Site;
- access the member area without authorization, or share sign-in credentials;
- use the Site to break any law or infringe anyone’s rights.
12. Apps and purchases
Our iOS apps (Weight Vault, Fuel Vault, NightCluster and NightCluster Eye) are distributed through Apple’s App Store. Purchases, trials, refunds, and restores are handled by Apple under Apple’s terms. We never receive your payment details. Each app’s use is governed by Apple’s Standard End User License Agreement and by any in-app terms or disclaimers. Where an app’s in-app terms conflict with these Terms, the in-app terms control for that app.
13. Member area
The member area is invite-only. Access is a revocable permission, not a purchased product or service, unless a separate written agreement says otherwise. Keep your credentials confidential. You’re responsible for activity under them. We may change, suspend, or end member access or content at any time. Member content is general and impersonal, subject to Sections 3 to 5, and is for your personal use only. Don’t share or republish it. Market pages at /trading/ are not currently offered.
14. Changes
We may update the Site or these Terms at any time. The “Effective” date above shows the latest version. If you keep using the Site after a change, you accept the updated Terms.
15. Governing law
These Terms are governed by California law, without regard to its conflict-of-law rules. Disputes will be heard in the state or federal courts located in Alameda County, California, and you and we consent to that venue. Either party may bring an eligible claim in small claims court.
16. Other terms
If any part of these Terms is unenforceable, the rest stays in effect. Our not enforcing a term is not a waiver. These Terms and the Privacy Policy are the entire agreement about the Site.