Terms of Service

Effective Date: September 16, 2026

SMART OPPS INC, ("Relentless Ryan," "we," "our," or "us"), provides financial education, educational materials, courses, masterclasses, and optional educational coaching through our website and related services (collectively, the "Services").

These Terms of Service ("Terms") govern your access to and use of the Services.

By accessing, registering for, or purchasing any Services, you acknowledge that you have read, understood, and agreed to these Terms.

1. About Relentless Enterprise

Relentless Ryan is an educational platform operated by SMART OPPS INC, doing business as Relentless Ryan, that provides educational content and optional educational coaching relating to business concepts and analytical frameworks.

Our Services may include:

Educational courses and lessons
Business concepts and terminology
Risk-management and capital-preservation education
Decision-making and behavioral concepts
Business research and analytical frameworks
Historical business examples and case studies
Educational worksheets, templates, and exercises
Optional one-on-one educational coaching
Optional group educational coaching
General educational commentary about business and decision-making

We do not manage customer accounts, handle customer funds, execute trades, place orders, or operate as a broker, dealer, investment adviser, portfolio manager, custodian, or prop firm.

We do not access or control customer brokerage accounts or trading accounts.

2. Educational Purpose

All Services are provided for general financial education and optional educational coaching purposes.

Our content is designed to explain concepts, methods, tools, analytical frameworks, and risk considerations.

The Services do not constitute individualized investment advice, financial planning, legal advice, tax advice, or a recommendation to

buy, sell, or hold any financial instrument.

You are solely responsible for evaluating information and making your own independent financial decisions.

3. Business Environment Risk

Business environments involve substantial risk, including the possible loss of some or all of your invested capital.

Educational examples, hypothetical scenarios, historical results, demonstrations, testimonials, and other examples do not guarantee future performance.

Leverage, margin, derivatives, and other financial instruments may increase both potential gains and potential losses.

You should not participate in any financial activity unless you understand the associated risks and have independently determined that it is appropriate for your circumstances.

4. Educational Services

Our educational Services may include recorded lessons, written materials, demonstrations, practical examples, masterclasses, presentations, exercises, and other learning resources.

The Services are intended to support learning and skill development.

They do not constitute a promise or guarantee of income, employment, trading success, investment returns, or any particular financial result.

We may update, modify, replace, or discontinue educational content from time to time.

5. Masterclasses and Educational Events

We may offer free or paid masterclasses, webinars, workshops, educational events, or similar programs.

Event information, schedules, access instructions, and other event details may be communicated through email, SMS, or other communication channels where you have provided the applicable consent.

Access to a masterclass or educational event does not constitute financial advice or a guarantee of any particular result.

We may change event dates, times, instructors, content, or availability when reasonably necessary.

6. One-on-One Coaching

One-on-one coaching is an optional educational service intended to help participants understand financial concepts, review learning exercises, discuss analytical methods, and develop personal study habits.

Coaching does not include:

Managing or accessing financial accounts
Placing or executing trades
Providing personalized financial recommendations or alerts
Making investment decisions for a participant
Guaranteeing profits or specific financial outcomes
Acting as a fiduciary, broker, dealer, or investment adviser

Participants remain solely responsible for their own research, decisions, and actions.

7. Educational Methodology

Our educational materials may discuss analytical frameworks, business structures, technical concepts, fundamental concepts, risk-management principles, decision-making, behavioral concepts, and other methods used to study business environments.

Any methodology is presented for learning and research purposes only.

Examples are provided for educational and illustrative purposes and may not reflect current conditions or actual results.

No methodology presented through our Services is represented as a guarantee of profitability or as a reliable method for predicting future outcomes.

8. Account Responsibility

You are solely responsible for any financial accounts, brokerage relationships, trading platforms, or other third-party services you independently choose to use.

Relentless Ryan does not request, receive, store, or control your brokerage credentials, account passwords, private keys, or trading funds.

We do not access, manage, monitor, or make decisions within your financial accounts.

9. Payments and Purchases

Fees for courses, educational materials, and optional coaching are displayed at the time of purchase.

By completing a purchase, you agree to pay the stated amount using an available payment method.

Unless otherwise stated at checkout, purchases provide access to the specific educational product or service described at the time of purchase.

We reserve the right to correct pricing, description, or listing errors before fulfillment.

Payment processing may be handled by third-party payment providers subject to their own terms and policies.

10. Masterclass Access and Refunds

Where a Masterclass or educational program is provided free of charge, no payment is required to access the free training program or associated digital materials.

Where a paid product or service is offered, any applicable refund, cancellation, or payment terms will be presented at the time of purchase or in the applicable offer terms.

Nothing in these Terms limits any consumer rights or remedies that cannot legally be waived under applicable law.

11. Intellectual Property

All educational materials, including text, videos, graphics, presentations, worksheets, branding, methodologies, course materials, and other content, are owned by or licensed to SMART OPPS INC, doing business as Relentless Ryan, unless otherwise stated.

Subject to these Terms, you receive a limited, personal, non-exclusive, non-transferable license to access and use purchased or authorized educational materials for your own learning and personal use.

You may not:

Copy or reproduce materials for commercial distribution
Resell, sublicense, or redistribute course content
Publish or upload materials without permission
Remove copyright or proprietary notices
Use our materials to create a competing commercial product without authorization
Record, reproduce, or distribute private coaching sessions without permission

12. SMS Terms and Conditions

By separately opting in to receive SMS messages from SMART OPPS INC, doing business as Relentless Ryan, you consent to receive text messages for the purposes described at the time of opt-in.

Depending on the consent you provide, SMS messages may include:

Requested information
Masterclass or educational-event reminders
Educational updates
Appointment or session reminders
Customer-service communications
Account-related notifications
Promotional offers and updates where separate promotional SMS consent has been provided

Message frequency may vary. Message and data rates may apply.

SMS consent is optional and is not a condition of purchasing any goods or services.

Where separate SMS consent options are provided, informational and promotional SMS consent are collected separately.

We do not sell, rent, or share mobile phone numbers, SMS opt-in information, or SMS consent information with third parties or affiliates for their own promotional purposes.

You may opt out of SMS communications at any time by replying STOP to any text message.

For assistance, reply HELP or contact us using the contact information provided on our website.

Wireless carriers are not liable for delayed or undelivered messages.

Please review our Privacy Policy for additional information regarding the collection and use of your information.

13. Prohibited Use

You agree not to use the Services to:

Misrepresent our Services as investment advice or account management
Claim that we provide guaranteed financial results or guaranteed outcomes
Represent that we execute trades or manage customer funds
Misrepresent our relationship with brokers, prop firms, or other financial businesses
Attempt to reproduce or commercially exploit our proprietary systems
Use our content for unlawful, fraudulent, or deceptive purposes
Infringe intellectual property or privacy rights
Interfere with the operation or security of the Services
Share access in a manner that violates these Terms

You are responsible for ensuring that your use of the Services complies with applicable laws and regulations.

14. SMS / Text Messaging

Age Requirement: You must be 18 years of age or older to use this SMS service.

By opting in to receive text messages from SMART OPPS INC, doing business as Relentless Ryan, you agree to receive SMS messages related to masterclass reminders, educational updates, and, where separately authorized, promotional offers and updates. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out or HELP for assistance.

SMS consent is optional and is not required to purchase any goods or services. SMS consent will not be shared with third parties or affiliates for their own promotional purposes.

15. Community Conduct

Where community features are available, participants must communicate respectfully and use the community for educational purposes.

You may not:

Post misleading claims about financial results
Impersonate Company representatives
Solicit funds
Present personal opinions as official Company recommendations
Harass, threaten, or abuse other participants
Use community areas for unlawful or deceptive activities

We may remove content or restrict access when reasonably necessary to maintain a safe and educational environment.

16. Third-Party Services

Our Services may reference or integrate with third-party websites, software, educational tools, payment providers, scheduling platforms, communication services, social-media platforms, analytics providers, or other educational or business resources.

Such references are provided for convenience or educational context only.

We do not control third-party services and do not guarantee their accuracy, availability, security, or performance.

Your use of third-party services is governed by their own terms and policies.

17. No Guarantee of Results

We do not guarantee that you will:

Earn money
Achieve a particular return
Achieve a particular financial result
Pass a trading evaluation
Obtain employment
Become profitable
Achieve any specific financial or educational outcome

Results vary based on individual circumstances, knowledge, experience, discipline, business conditions, and other factors.

Testimonials, examples, demonstrations, or statements about past experiences are not guarantees of future results.

18. Disclaimer of Financial Advice

The Services are provided for educational purposes only.

Nothing contained in the Services constitutes individualized investment advice, financial advice, legal advice, tax advice, or a recommendation to purchase, sell, hold, or trade any financial instrument.

You should consult appropriately qualified professionals regarding your individual financial, legal, tax, or investment circumstances where appropriate.

19. Limitation of Liability

To the fullest extent permitted by applicable law, SMART OPPS INC, doing business as Relentless Ryan, and its owners, employees, contractors, and affiliates will not be liable for indirect, incidental, consequential, special, or punitive damages arising from or related to your use of the Services.

We are not responsible for losses resulting from individual decisions, business activity, third-party platforms, technical interruptions, or reliance on educational content.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited under applicable law.

20. Assumption of Risk

By using the Services, you acknowledge that business environments involve uncertainty and varying levels of risk.

You voluntarily assume responsibility for your own research, decisions, and actions, including any decision to participate in business activities after reviewing educational content.

You understand that educational information cannot eliminate financial risk.

21. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services, technology, legal requirements, or business practices.

When changes are made, the updated version will be posted with a revised Effective Date.

Your continued use of the Services after changes become effective constitutes acceptance of the updated Terms to the extent permitted by applicable law.

22. Termination

We may suspend or terminate access to the Services if you violate these Terms, misuse educational materials, engage in unlawful conduct, or otherwise create a material risk to the Company or its community.

You may stop using the Services at any time.

Termination does not eliminate obligations that by their nature should continue, including intellectual property, disclaimers, limitations of liability, and payment obligations.

23. Governing Law

These Terms shall be governed by the applicable laws governing SMART OPPS INC, doing business as Relentless Ryan, and its place of operation, without regard to conflict-of-law principles, except where applicable law requires otherwise.

Any disputes will be handled in the courts or through the dispute-resolution process applicable to the parties and permitted by applicable law.

24. Contact Us

If you have questions regarding these Terms of Service, our educational programs, coaching services, or the Services generally, please contact us:

SMART OPPS INC
Relentless Ryan

Email: [email protected]

Website: https://relentlessryanlive.com/

I fear not the man who has practiced 10,000 kicks once, but I fear the man who has practiced one kick 10,000 times.

〜 Bruce Lee

Disclaimer: This training is provided for general educational and informational purposes only. Individual experiences and outcomes may vary, and no specific results are guaranteed. Any examples or statements about potential outcomes are illustrative only and should not be considered a guarantee of future results. You are responsible for how you choose to apply the information provided. This site is not affiliated with, sponsored by, or endorsed by Facebook, Instagram, or any other social media platform.