1. Agreement to these terms
These Terms of Use (“Terms”) are a binding agreement between you and Altro (“Altro,” “we,” “us,” or “our”) governing access to and use of the Altro website, content, calculators, downloadable materials, and paid course program (collectively, the “Services”).
By accessing or using the Services — including checking an “I agree” box, clicking “I agree — continue,” unlocking course access, downloading worksheets, joining our email list, or proceeding to checkout — you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.
We store a browser-level record that you accepted these Terms for the version in effect at the time of acceptance. When we materially update these Terms, we may require you to agree again before accessing content.
2. Who may use the site
You may use the Services only if:
- You are at least 18 years old (or the age of majority where you live, if higher)
- You have the legal capacity to enter a binding contract
- Your use complies with all applicable local, state, national, and international laws
- You are not barred from using the Services under any applicable law
Content about wagering, sweepstakes casinos, and sports promotions is intended for adults in jurisdictions where such activity is lawful. See our Responsible Gambling page before participating in any betting-related strategy.
3. Educational purpose only
All content on Altro — including articles, lessons, worksheets, calculators, examples, case studies, offer breakdowns, and the Altro Complete syllabus — is provided for general educational and informational purposes only.
Altro does not provide professional advice. Nothing on the site creates a:
- Attorney–client, accountant–client, or fiduciary relationship
- Financial planning, investment advisory, or brokerage relationship
- Credit counseling or credit-repair service
- Gambling, bookmaking, or wagering service
- Banking, lending, or insurance relationship
Before opening accounts, applying for credit, claiming bonuses, filing taxes, or placing wagers, consult qualified professionals and read official offer documents from the relevant institution or operator.
Examples, screenshots, and math on the site may use placeholder institution names, illustrative bonus amounts, or simplified assumptions. They are teaching aids, not live offers or recommendations to apply.
4. No guarantees
We make no guarantee that you will earn money, receive a bonus, get approved for a product, qualify for an offer, avoid fees or clawbacks, or achieve any particular outcome. Results depend on your credit profile, banking history, geography, timing, operator rules, market conditions, and many factors outside our control.
Past examples and hypothetical case studies are not promises of future performance. Any figures shown in calculators or lessons are estimates unless explicitly labeled as actual results.
5. Your responsibilities
You are solely responsible for:
- Verifying current offer terms, eligibility rules, expiration dates, and geographic restrictions before acting
- Reading and complying with bank, card issuer, sportsbook, sweepstakes, and platform terms of service
- Understanding tax reporting obligations (for example, Form 1099-INT, 1099-MISC, or gambling-related reporting where applicable)
- Maintaining accurate records, direct-deposit setups, minimum-spend plans, and clawback avoidance steps
- Ensuring wagering or sweepstakes activity is legal where you are located and that you meet age and identity requirements
- Protecting your access key, devices, and financial accounts from unauthorized use
Misrepresentation on applications, abuse of promotions, multi-accounting where prohibited, or other violations of third-party rules may result in account closure, bonus forfeiture, debt collection, or legal action by third parties — not by Altro.
6. Third-party offers and services
The Services may reference or link to third-party banks, card issuers, sportsbooks, sweepstakes operators, payment processors, email providers, analytics tools, and other websites. Altro does not control and is not responsible for third-party products, services, terms, pricing, availability, or conduct.
Links and examples do not constitute endorsements unless explicitly stated. We may update, remove, or replace examples without notice when offers change.
Purchases of Altro Complete are processed by third-party checkout providers. Refunds, chargebacks, and billing disputes are handled according to that provider’s policies unless we state otherwise in writing at purchase.
If we ever receive compensation for mentioning a product, we will disclose that relationship where required by law.
7. Altro Complete course license
When you purchase Altro Complete, we grant you a personal, non-exclusive, non-transferable, revocable license to access the course content and enrolled-student tools for your own educational use, subject to these Terms.
You may not, without our prior written permission:
- Share, resell, sublicense, or publicly distribute course materials or access keys
- Post lessons, worksheets, or videos to file-sharing sites or social media
- Use automated scraping or bulk downloading to extract the curriculum
- Remove copyright notices or attribute content as your own original work
- Circumvent access controls or share a single purchase among multiple users
Access keys are intended for the purchaser only. We may revoke access if we reasonably believe these Terms were violated.
Course content may be updated, expanded, or reorganized over time. Lifetime access means access to the then-current Altro Complete program, not a frozen snapshot of every future module unless explicitly promised at purchase.
8. Intellectual property
The Services, including text, graphics, logos, course structure, worksheets, calculator logic, and software, are owned by Altro or our licensors and protected by copyright, trademark, and other intellectual property laws.
You may view and download materials for personal, non-commercial use as intended by the site. Any other use requires our written consent.
If you believe content on the site infringes your copyright, contact us with a description of the work, the location of the material, your contact information, and a good-faith statement of ownership and unauthorized use.
9. Acceptable use
You agree not to:
- Use the Services for unlawful, fraudulent, or abusive purposes
- Attempt to gain unauthorized access to systems, access keys, or other users’ data
- Introduce malware, interfere with site operation, or overload infrastructure
- Harass, impersonate, or misrepresent affiliation with Altro
- Use the Services to provide commercial advice to third parties without proper licensing
We may suspend or terminate access to any part of the Services if we reasonably believe you violated these Terms or applicable law.
10. Disclaimers
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.
We do not warrant that the Services will be uninterrupted, error-free, secure, or free of harmful components, or that content is complete, current, or applicable to your situation. Offer terms change frequently; you must verify information independently.
Some jurisdictions do not allow certain warranty disclaimers. In those jurisdictions, our disclaimers apply to the maximum extent permitted by law.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALTRO AND ITS OWNERS, OPERATORS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BONUS ELIGIBILITY, ACCOUNT CLOSURES, TAX PENALTIES, OR FINANCIAL LOSSES ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO ALTRO FOR ALTRO COMPLETE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) FIFTY U.S. DOLLARS (US $50).
Some jurisdictions do not allow limitations on certain damages. In those cases, the above limits apply only to the extent permitted by law.
12. Indemnification
You agree to defend, indemnify, and hold harmless Altro and its owners, operators, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:
- Your use of the Services
- Your violation of these Terms or applicable law
- Your interactions with third-party institutions, operators, or platforms
- Content or information you submit to us
13. Disputes and governing law
These Terms are governed by the laws of the United States and the state in which Altro is operated, without regard to conflict-of-law principles, except where mandatory consumer protection laws in your jurisdiction provide otherwise.
Before filing a formal claim, you agree to contact us and attempt to resolve the dispute informally. If informal resolution fails, disputes will be resolved in the state or federal courts located in the jurisdiction where Altro operates, and you consent to personal jurisdiction there, unless applicable law requires a different venue.
Class action waiver. To the extent permitted by law, you and Altro agree that each may bring claims against the other only in an individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding.
14. Refunds and cancellations
Lifetime purchases ($100 once): Altro Complete is sold through third-party checkout providers (for example, Gumroad or Stripe). Refund eligibility, windows, and processing are governed by that provider’s policies and any refund policy stated on the product page at the time of purchase. If you believe you purchased in error, contact us at support@yourdomain.com within 14 days of purchase with your receipt — we will work with you and the payment processor when possible.
Monthly subscriptions: If offered, monthly plans bill through the payment provider until you cancel in that provider’s portal. Canceling stops future charges; it does not automatically delete data stored in your browser (for example, progress or profit tracker rows). Course access via your access key remains available for the billing period you paid for unless we revoke access for Terms violations.
Digital delivery: Because course content and downloads are delivered digitally, completing a purchase or unlocking with an access key may limit refund options under applicable consumer laws and processor rules.
15. Changes to these Terms
We may modify these Terms at any time. The “Effective date” at the top will change when we do. Material changes may be noted on the site. Your continued use after changes become effective constitutes acceptance. If you do not agree to updated Terms, stop using the Services.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.
16. Contact
For questions about these Terms, contact support@yourdomain.com. Include “Terms Inquiry” in the subject line.
Related policies: Privacy Policy Cookie Policy Responsible Gambling