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.

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: every trade is staged for you and executes only with your explicit approval — the trading decision is always yours. Full automation: trades are replicated to your account through a professional third-party copy-trading platform; the connection is managed on that platform and you can disconnect it at any moment. In every mode, 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, as described in "What We Provide — And What We Do Not" above. We do not provide regulated financial services, advice, or account management, and we do not access or control your funds or trading account.
3. Software licence. On purchase of a machine subscription 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. 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. Each licence is locked to a single trading account number and ceases to function when your subscription lapses.
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; your broker, VPS and internet arrangements; 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 and renew automatically until cancelled. You may cancel at any time; cancellation stops the next renewal and access continues to the end of the paid period. Prepaid quarterly and annual terms are charged once, up front, at the discounted price shown; the discount covers that prepaid term only, and any renewal is at the then-current rate. Terms paid in cryptocurrency (USDT) do not renew automatically — access ends at the close of the prepaid period unless renewed manually — and cryptocurrency payments are final. A reminder is sent before any automatic card renewal. Prices are in euros (EUR) and may change on renewal with notice. 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 and cannot be started with cryptocurrency.
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.
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.

Refund Policy

All sales are final. We do not offer refunds on digital products, subscription payments already made, or elapsed subscription time. Because our products are delivered digitally and instantly, they cannot be returned once accessed. By completing a purchase you expressly request immediate delivery and acknowledge that, once delivery of digital content has begun, any statutory 14-day cancellation (cooling-off) right in respect of that content is lost — which 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: for licence-locking we may need the trading account number to which your licence is bound. We do not collect, receive or store your broker password or trading credentials.
• 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, and any messaging platform you choose to use (such as Telegram). 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

All digital products and subscription access are delivered instantly and automatically by email through our checkout provider, as a secure download link sent to the address used at checkout, the moment payment completes. If anything fails to arrive within a few minutes, check your spam folder, then contact us and we will resend it manually.

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 and on the Machines page. Testimonials are published only from genuine, verifiable customers.

Contact

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