Riding a Heater

1. Acceptance of Terms

By accessing or using ridingaheater.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Site. These Terms apply to all visitors, users, and others who access the Site.

2. Description of Service

Riding a Heater is an educational platform that provides information about sports betting, casino games, lottery mechanics, day trading, stock markets, options, ETFs, bonds, futures, forex, cryptocurrency, and other financial topics. Our services include an encyclopedia of terminology, educational articles and guides, interactive calculators and simulators, bankroll and trading tools, sportsbook and broker reviews, and premium AI-powered analysis tools. All content is provided for educational and informational purposes only.

3. Age Requirement

You must be at least 18 years of age (or the legal gambling age in your jurisdiction, whichever is higher) to use this Site. By using the Site, you represent and warrant that you meet this age requirement. We reserve the right to terminate accounts of users who do not meet this requirement.

4. Educational Purpose Disclaimer

All content on this Site — including articles, guides, glossary entries, calculator outputs, simulator results, AI-generated analysis, sportsbook reviews, and trading-related content — is provided strictly for educational and informational purposes. Nothing on this Site constitutes financial advice, investment advice, trading advice, gambling advice, tax advice, or legal advice. We are not a registered investment adviser, broker-dealer, financial planner, or securities dealer. We are not registered with the SEC, CFTC, FINRA, NFA, or any state securities regulatory authority. You are solely responsible for your own trading, investment, and gambling decisions and any financial consequences thereof. You should consult a qualified, licensed financial advisor before making any investment or trading decisions.

5. User Accounts

To access certain features (Bankroll Tracker, The Heater), you must create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

6. Purchases and Refunds

Digital products (including The Heater) are sold through ClickBank, a trusted third-party payment processor. All purchases are subject to ClickBank's refund policy, which provides a 60-day money-back guarantee. Refund requests should be directed to ClickBank's customer support. Upon refund, access to premium features will be revoked.

7. Intellectual Property

All content on this Site — including text, graphics, logos, tools, software, and design — is the property of Riding a Heater or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our prior written consent. You may share links to our content and use our affiliate promotional materials as provided on the Affiliate Tools page.

8. Prohibited Uses

You agree not to:

Use the Site for any unlawful purpose or in violation of any applicable laws
Attempt to gain unauthorized access to any portion of the Site or its systems
Use automated systems (bots, scrapers) to access the Site without our permission
Interfere with or disrupt the Site's infrastructure
Resell, redistribute, or sublicense access to premium features
Use the Site to promote illegal gambling activity
Misrepresent your identity or affiliation

9. No Guarantee of Results

We make no guarantees regarding the accuracy of our calculators, simulators, AI analysis, or any other tools. Past performance, statistical analysis, backtested results, hypothetical performance, and mathematical models do not guarantee future results. Day trading, options trading, forex trading, cryptocurrency trading, sports betting, casino gaming, and lottery participation all inherently involve substantial risk of financial loss, and you may lose some or all of your capital. The vast majority of day traders lose money. We are not responsible for any trading, investment, or gambling losses incurred as a result of using information or tools provided on this Site.

9A. Day Trading & Financial Content Risk Acknowledgment

By accessing day trading, stock market, options, forex, futures, cryptocurrency, or other financial content on this Site, you acknowledge and agree that: (a) day trading is extremely risky and not suitable for most people; (b) you may lose all of your invested capital; (c) leveraged trading (margin, futures, forex) can result in losses exceeding your initial investment; (d) no content on this Site is a recommendation to buy, sell, or hold any security or financial instrument; (e) any mention of specific securities, tickers, strategies, or market conditions is for educational illustration only; (f) you are solely responsible for your own trading decisions; and (g) you will consult a licensed financial professional before making trading or investment decisions.

10. Sportsbook Reviews

Our sportsbook reviews are based on our independent analysis and are provided for informational purposes. We strive for objectivity, but reviews may contain subjective opinions. Sportsbook features, odds, promotions, and availability change frequently. We are not responsible for the accuracy of third-party sportsbook information. Always verify current offers and legal availability directly with the sportsbook.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, RIDING A HEATER AND ITS OWNERS, OPERATORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — including but not limited to loss of profits, loss of capital, loss of data, or other intangible losses — resulting from (a) your use of or inability to use the Site; (b) any trading, investment, or gambling losses; (c) reliance on any information, content, analysis, calculator output, or AI-generated content provided on the Site; (d) any conduct or content of third parties; or (e) unauthorized access to your account. YOU USE THIS SITE AND ITS CONTENT ENTIRELY AT YOUR OWN RISK.

12. Indemnification

You agree to indemnify and hold harmless Riding a Heater and its owners, employees, and affiliates from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from your use of the Site, violation of these Terms, or violation of any rights of a third party.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions. Any disputes arising under these Terms shall be resolved through binding arbitration.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on this page. Your continued use of the Site after changes constitutes acceptance of the updated Terms.

15. Contact

For questions about these Terms, contact us at: [email protected]