Read This
Before Anything Else

Last updated: 17 July 2026

This page sets out our regulatory status, the nature of what we provide, the risks involved, our Terms of Service, and how we handle your personal data. Please read it in full before purchasing or downloading anything. By using this website or buying any product you agree to these terms.

Regulatory Status

We do not provide regulated financial services. In particular, we do not: give investment advice or personal recommendations; arrange, deal in, or execute transactions on your behalf; manage investments, accounts or portfolios for you; operate a fund or any collective or pooled investment scheme; hold, control or have access to your money or your trading account; or act as a broker, dealer, portfolio manager or financial adviser. We trade our own account. Where you choose to copy it, the copying is carried out by an independent platform that you authorise, not by us.

Because we are not authorised or regulated: our products are not covered by the Financial Services Compensation Scheme (FSCS), and you will not have recourse to the Financial Ombudsman Service (FOS) in respect of them. Any regulatory protection you have comes from your own broker and its regulator — not from us. Nothing on this website or in any communication from us is a financial promotion that has been approved by an authorised person.

If you are in any doubt about whether a product is appropriate for you, obtain advice from a financial adviser authorised in your own jurisdiction before proceeding.

What We Provide — And What We Do Not

Mud to Margin supplies algorithmic trading software (automated Expert Advisors, referred to as "machines"), trading signals for information only, and educational material. Our products are execution tools and learning resources for self-directed traders who operate their own accounts.

Your account is always yours. Every machine runs on your own trading account, in your own name, at your own broker — and you choose how it runs. Self-hosted: you install and run the software yourself, on your own VPS, with your own credentials; we never see, hold or touch them. Approval mode: we trade our own account and an independent copy-trading platform stages each trade for you; it executes only with your explicit approval — the trading decision is always yours. Full automation: the same trades are replicated to your account through that platform automatically. In both cases you connect your own account to the platform yourself and can disconnect at any moment. In every mode we never receive, hold or touch your broker credentials, we never log in to your account, and we never receive, hold or control your money, and your account and funds remain yours at your broker at all times.

This is not a fund and not a collective or pooled investment scheme. Your money is never pooled with anyone else’s and we never take custody of it. Every decision — which machines to licence, how to run them, whether to fund, pause, disconnect or stop at any time — is yours alone, and you are solely responsible for the outcome of your account.

Any signals, watchlists, market commentary or educational content we publish are general information only. They are not personal recommendations, are not tailored to your circumstances, and must not be relied upon as advice. You must exercise your own judgement and, where appropriate, seek independent authorised advice.

Risk Disclosure

Trading foreign exchange, CFDs, indices, commodities and cryptocurrencies is high risk and is not suitable for everyone. These are leveraged products: the high degree of leverage can work against you as well as for you, price movements can be rapid and large, and you can lose money quickly. You could sustain a total loss of your deposited funds and, depending on your account type, potentially more. The majority of retail traders lose money. Only ever trade with money you can afford to lose entirely.

Past performance is not a reliable indicator of future results. This applies with equal force to backtested, simulated and hypothetical results. Backtests are produced with the benefit of hindsight, carry inherent limitations, do not represent actual trading, and no representation is made that any account will or is likely to achieve profits or losses similar to those shown. Live results typically degrade materially from backtests due to spreads, slippage, swap and financing costs, execution latency, requotes, liquidity gaps and market events.

Automated systems can and do fail. Software errors, connectivity or power outages, broker-side problems, VPS downtime, and extreme or illiquid market conditions can all produce losses that a stop-loss cannot fully prevent, including gap risk over weekends and around scheduled news. You are responsible for monitoring any software you choose to run on your account.

No guarantee. No profit, income, return or specific outcome is ever promised or implied by us. Any figure describing our research process (for example, the number of strategies tested or backtests performed) describes that process only and is not a prediction of future results.

Before trading, carefully consider your objectives, financial situation, experience and risk appetite, and if necessary obtain independent advice from an adviser authorised in your jurisdiction. If you do not understand the risks, do not trade.

Terms of Service

These Terms of Service ("Terms") are a legal agreement between you and Mud to Margin ("we", "us", "our"). By accessing this website, creating an account, or purchasing or downloading any product, you confirm that you accept these Terms and the policies referred to in them. If you do not accept them, do not use the website or our products.

1. Eligibility. You must be at least 18 years old and legally able to enter into a contract. You are responsible for ensuring that using our products, and trading leveraged instruments, is lawful in your country of residence. Our products are not offered to any person in any jurisdiction where doing so would be contrary to law or regulation.
2. Nature of the products. We supply software licences (automated "machines"/Expert Advisors), information-only trading signals, and educational materials. Where a plan is delivered by copying, we place trades on our own trading account and an independent copy-trading platform mirrors them to yours; you connect and authorise that platform yourself. We do not provide regulated financial services, advice, or account management. We never receive, hold or store your broker password or trading credentials, we never log in to or control your trading account, and we never hold or control your money.
3. Software licence and access. For a self-hosted plan we grant you a limited, non-exclusive, non-transferable, revocable licence to install and use one instance of the licensed machine on your own trading account for your personal use, for the duration of your paid subscription; each self-hosted licence is locked to a single trading account number and ceases to function when your subscription lapses. For a plan delivered by copying, no software is supplied to you: your subscription is a right to have our trades mirrored to your own account for as long as it remains paid, and that right ends when your subscription lapses. Under either plan you may not copy, resell, sublicense, distribute, rent, share, reverse-engineer, decompile, or attempt to extract the source or logic of the software, or remove or circumvent any licence-locking, account-locking or expiry mechanism, or redistribute, republish or resell our trades or signals to any other person.
4. Your responsibilities. You are solely responsible for: deciding whether a product is appropriate for you; opening and funding your own trading account; installing, configuring, monitoring and switching the software on or off where you run it yourself; your broker, and your VPS and internet arrangements where a VPS is required; connecting your own account to any copy-trading platform and your decision to start or stop copying; all trading decisions and all resulting profits or losses; and complying with your broker's and any proprietary-trading firm's rules. You run any software entirely at your own risk.
5. Subscriptions, billing and cancellation. Subscriptions are billed in advance at the price shown at checkout through our payment provider (currently Whop) and renew automatically every 30 days until cancelled. You may cancel at any time from your account with our payment provider; no email or phone call is needed. Cancellation stops the next renewal and access continues to the end of the paid period. A reminder is sent before any automatic renewal. Prices are in euros (EUR) and we will give you at least 30 days' notice before any price change takes effect. You are responsible for any taxes applicable to you.
6. Free trial (where offered). Where a free trial is offered on condition of opening an account with a partner broker, the trial terms — including any payment scheduled after the trial and your right to cancel before it — are presented at sign-up and form part of these Terms. We may receive a referral commission from the broker; this does not change your trading conditions. The trial requires a valid payment card.
7. Refunds. Our Refund Policy below forms part of these Terms.
8. Intellectual property. All software, content, text, designs, graphics, and the Mud to Margin name and branding are owned by or licensed to us and protected by intellectual-property laws. Purchasing a product grants a licence to use it as set out here; it does not transfer ownership.
9. Acceptable use. You must not use the website or products for any unlawful purpose, to infringe our or others' rights, to attempt to gain unauthorised access to our systems, or in any way that could damage or impair the service.
10. No advice; no reliance. Nothing we provide is financial, investment, legal or tax advice or a personal recommendation. You must not rely on any content as advice and should obtain independent authorised advice where appropriate.
11. Disclaimers. The website and products are provided "as is" and "as available", without warranties of any kind to the fullest extent permitted by law, including as to profitability, fitness for a particular purpose, uninterrupted or error-free operation, or any specific result. We do not warrant that any software is free of defects or that any strategy will be profitable.
12. Limitation of liability. To the fullest extent permitted by law, we are not liable for any trading losses, or for any indirect, incidental, special or consequential loss, or loss of profit, revenue, data or goodwill, arising out of or in connection with the website or the products. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded (including for death or personal injury caused by negligence, or for fraud). Subject to that, our total aggregate liability to you is limited to the amount you paid us for the product giving rise to the claim in the 12 months before the claim.
13. Indemnity. You agree to indemnify us against claims, losses and costs arising from your breach of these Terms or your misuse of the products.
14. Third parties. Your broker, VPS provider, payment provider and any partner broker are independent third parties. We are not responsible for their acts, omissions, fees or solvency, and your relationship with them is governed by their own terms. This website and store may contain links to third-party websites and services; we are not responsible for their content, availability or terms.
15. Changes and availability. We may update these Terms, our products, pricing and features from time to time; the version in force is the one published here. We may suspend or withdraw the website or any product.
16. Termination. We may suspend or terminate your licence or access if you breach these Terms. On termination your right to use the software ends.
17. Governing law and jurisdiction. Nothing in these Terms affects any mandatory consumer rights available to you under the law of your country of residence.
18. Severability and entire agreement. If any provision is found unenforceable, the remainder continues in force. These Terms, together with the policies referred to in them, are the entire agreement between us regarding the products.
19. Complaints. If something goes wrong, email [email protected]. We will acknowledge your complaint within two working days and give you a full response within fourteen days.
20. Copy-trading delivery. Where your plan is delivered by copying, we place trades on our own trading account and an independent copy-trading platform mirrors them to yours. We choose and pay for that platform. You connect your own trading account to it yourself and authorise the platform directly; we never receive your credentials. Your results will differ from ours because of your broker, spreads, slippage, account size and timing. You may stop copying at any time from within the platform, without contacting us. The platform is an independent third party under clause 14.

Incorporated policies. The Refund Policy, Privacy Policy, Risk Disclosure and Regulatory Status statement published on this store and at www.mudtomargin.com form part of these Terms.

Referral Programme

These terms govern the referral programme and form part of the Terms of Service. The programme is operated by Mud to Margin and relates only to Mud to Margin subscriptions.

1. Your code. Every active subscriber receives a unique referral code.
2. How a credit is created. A credit is created when a person who entered your code at checkout makes their first payment. The code must be entered at checkout and cannot be added afterwards. The payment must be a real payment — free trials do not qualify.
3. Hold period. Credits are held for 30 days before release. During this period the credit is voided if the originating payment is refunded or charged back.
4. Release conditions. A credit is released only if, at the end of the hold period: the referred person has made at least two payments and remains a subscriber; and you hold a monthly subscription that is active or within its free trial.
5. Limits. Credits are limited to six pending at any time and twelve released per rolling twelve months. A credit that matures while you are at the pending limit is held until a pending credit clears, and expires if that has not happened within 180 days.
6. If you are not on a monthly plan. If you are not on a monthly plan when a credit matures, it is held rather than forfeited, and released if you move to one within 180 days.
7. If your subscription lapses. If your subscription lapses while a credit is pending, it is held for 90 days and released if you resubscribe within that window.
8. Value. A credit is worth 30 days of the plan you are on at the moment it is granted. Changing plan beforehand does not reduce its value.
9. Nature of the reward. Credits apply to your own subscription. They have no cash value and cannot be transferred, sold or exchanged.
10. Self-referral. Self-referral is not permitted. Attempts are detected and blocked automatically, including where a different account shares your email address or broker account number.
11. Changes to the programme. We may withdraw or alter this programme at any time. Credits already released are unaffected.
12. Abuse. We may void credits obtained through fraud, abuse, or any attempt to circumvent these terms.
13. Reversal after release. If the payment that created a credit is refunded, charged back or otherwise reversed after the credit has been released, we may withhold or decline future credits on your account up to the value of the credit affected. A credit already applied to an active subscription will not be withdrawn. Repeated reversals linked to the same referrer may result in removal from the referral programme.
14. Independent of any broker. The referral programme is entirely separate from any commission we may receive from a partner broker. Participating in it creates no relationship between you and any broker, and confers no entitlement to any part of any such commission.

Refund Policy

All sales are final. We do not offer refunds on digital products, subscription payments already made, or elapsed subscription time. Vault products (the PDF guides) are delivered instantly: by completing your purchase you expressly request immediate delivery and acknowledge that, once that delivery has begun, your statutory 14-day cancellation (cooling-off) right in respect of that content is lost. Machines are prepared by hand and are not delivered at checkout: your 14-day cancellation right continues to apply until we send you your machine, and is lost only once we do. Plans delivered by copying start when you connect your account to the platform: your 14-day cancellation right continues to apply until copying begins, and is lost only once it does. This is exactly why we provide free samples, a free learning vault and a free trial, so you can evaluate everything before you ever pay.

You can cancel your subscription at any time. Cancellation stops the next renewal — your machine and access continue running until the end of the period you have already paid for, then simply stop renewing. No cancellation fees, no questions asked.

Nothing in this policy affects any statutory rights that cannot lawfully be excluded, including any mandatory cancellation rights available to consumers under the law of your country of residence.

Privacy Policy

This policy explains what personal data we collect, why, how we use it, and your rights. The data controller is Mud to Margin, contactable at [email protected].

Data we collect

• Information you give us: your email address (for the waitlist, free downloads, purchases and account access), and any details you provide when you contact us.
• Transaction information: when you buy, our payment provider processes the payment and shares limited order data with us (such as your email, the product purchased and payment status). We do not receive or store your full card details.
• Trading-account information: where your plan is delivered as a self-hosted licence, we need the trading account number your licence is locked to. We never collect, receive or store your broker password or trading credentials, and we never log in to your account.
• Copy-trading information: where your plan is delivered by copying, you connect your own trading account to an independent copy-trading platform and give your details to that platform directly. The platform may share limited information with us about the accounts copying our trades, such as an account identifier, the volume copied and performance data. We never receive your broker password or trading credentials from the platform.
• Technical information: basic website and device data (such as IP address and pages visited), where applicable, to operate and secure the site.

Why we use it (lawful bases)

• To provide the products and access you request, and to deliver purchases — performance of a contract.
• To send service messages (delivery, licence, renewal, support) — contract / legitimate interests.
• To send marketing (such as launch updates) only where you have opted in — consent; you can unsubscribe at any time.
• To secure the site, prevent misuse, keep records and comply with law — legitimate interests / legal obligation.

Sharing

We share data only with service providers who help us operate, under contract and only as needed: our secure checkout provider, our hosting / CDN provider, any messaging platform you choose to use (such as Telegram), and any copy-trading platform you choose to connect your own account to. We do not sell your personal data. We may disclose data where required by law.

International transfers

We and our providers may process data outside your country, including in the UK, EEA and elsewhere. Where data is transferred internationally, appropriate safeguards are applied where required by law.

Retention

We keep personal data only as long as needed for the purposes above and to meet legal, accounting and record-keeping obligations, then delete or anonymise it.

Your rights

Subject to applicable law (including the UK GDPR where it applies), you may have the right to access, correct, delete, restrict or object to processing of your data, to data portability, and to withdraw consent. To exercise any right, email [email protected]. If you are in the UK you may also complain to the Information Commissioner's Office (ICO); if elsewhere, to your local data-protection authority.

Cookies

We use only the storage needed to operate the site and, where applicable, basic analytics. If non-essential cookies or analytics are added, a cookie notice and consent mechanism will be provided.

Children

Our products are not directed at anyone under 18, and we do not knowingly collect their data.

Delivery

Vault products are instant. Your download unlocks in your account the moment payment completes. Machines are prepared by hand. Payment is taken at checkout and your onboarding email follows within two working days; self-hosted EA licences are compiled and locked to your account number individually, so that download arrives separately once it is done. Plans delivered by copying are not software: you connect your own account to an independent copy-trading platform and copying begins from that point. If anything has not appeared, contact us and we will sort it out.

Verification & Transparency

No live performance claims are published on this site until they exist and can be independently verified. When the machines go live, verified tracking (minimum 30 days) will be linked here. Testimonials are published only from genuine, verifiable customers.

Contact

Email: [email protected]
Telegram: t.me/mudtomargin