Low Latency Trading Insights

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Terms of Service

Effective Date: October 16, 2025
Last Updated: October 16, 2025

1. Agreement to Terms

These Terms of Service (“Terms,” “Agreement“) constitute a legally binding agreement between you (“you,” “your,” “User“) and Vitorian LLC (“Company,” “we,” “us,” “our“) regarding your access to and use of the Low Latency Trading Insights website located at https://hftuniversity.com (the “Website“) and any related services, features, content, and applications we offer (collectively, the “Service“).

By accessing or using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy (available at https://hftuniversity.com/privacy-policy/). If you do not agree to these Terms, you must immediately discontinue use of the Service.

2. Eligibility and Account Requirements

2.1 Age Requirements

You must be at least 18 years old to use our Service. If you are between 13 and 18 years old, you may only use the Service with the consent and supervision of a parent or legal guardian who agrees to be bound by these Terms.

2.2 Account Registration

To access certain features of our Service, you may need to create an account. When creating an account, you agree to:

  • Provide accurate, current, and complete information

  • Maintain and promptly update your account information

  • Keep your password secure and confidential

  • Accept responsibility for all activities occurring under your account

  • Notify us immediately of any unauthorized use or security breach

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably suspect are fraudulent, deceptive, or harmful to the Service or other users.

2.3 Account Restrictions

  • Accounts are personal and non-transferable without our written consent

  • You may not create multiple accounts for abusive purposes

  • You may not sell, trade, or transfer your account to another party

  • Corporate or business accounts require separate authorization

3. Description of Service

3.1 Service Overview

Low Latency Trading Insights provides educational content, analysis, and resources related to high-frequency trading, quantitative finance, and market microstructure. Our Service includes:

  • Blog articles and educational content

  • Market analysis and commentary

  • Premium subscription content

  • Educational resources and tools

  • Community features (comments, discussions)

  • Newsletter and email updates

3.2 Service Availability

We strive to maintain Service availability but do not guarantee uninterrupted access. We may:

  • Modify, suspend, or discontinue any part of the Service

  • Implement usage limits or restrict access to certain features

  • Perform maintenance that may temporarily affect availability

  • Update content, features, or functionality without notice

3.3 Not Financial Advice

Important Disclaimer: The content provided through our Service is for educational and informational purposes only. It does not constitute:

  • Financial, investment, trading, or other professional advice

  • Recommendations to buy, sell, or hold any securities

  • Personal financial planning or tax advice

Always consult qualified professionals before making financial decisions. We are not registered investment advisors, broker-dealers, or financial planners.

Additionally, HFT University is not an accredited educational institution
and does not provide formal education, degrees, or certificates. The name
“university” is used informally to represent a comprehensive learning resource.

4. Subscriptions and Paid Services

4.1 Billing Through Paddle

We use Paddle.com Market Limited (“Paddle“) as our Merchant of Record for all paid services. When you purchase a subscription or any paid service:

  • Paddle is the seller: Your purchase contract is with Paddle, not directly with us

  • Payment processing: Paddle handles all payment processing, billing, and invoicing

  • Tax compliance: Paddle manages all applicable taxes (VAT, GST, sales tax) based on your location

  • Customer support: For billing issues, you may need to contact Paddle directly

By purchasing our paid services, you also agree to:

4.2 Subscription Plans

We offer various subscription plans as detailed on our Pricing page (https://hftuniversity.com/pricing/). Subscriptions include:

  • Monthly Plans: Billed monthly on a recurring basis

  • Annual Plans: Billed yearly with potential discounts

  • Premium Features: Access to exclusive content, tools, and resources

4.3 Pricing and Payment Terms

  • Currency: All prices are displayed in USD unless otherwise specified

  • Taxes: Prices exclude applicable taxes, which Paddle adds at checkout

  • Payment Methods: Paddle accepts major credit cards, debit cards, and PayPal

  • Price Changes: We may modify prices with 30 days’ notice to existing subscribers

  • Failed Payments: Paddle will attempt to retry failed payments according to their policies

4.4 Auto-Renewal

Subscriptions automatically renew at the end of each billing period unless cancelled. By subscribing, you authorize Paddle to charge your payment method on a recurring basis. You may cancel auto-renewal at any time.

4.5 Cancellation

You may cancel your subscription at any time by:

  • Accessing your account dashboard

  • Contacting our support at support@vitorian.com

  • Following Paddle’s cancellation process

Upon cancellation:

  • Your subscription remains active until the end of the current billing period

  • You retain access to paid features until expiration

  • No partial refunds are provided for unused time

4.6 Refund Policy

For complete information about refunds, including our 14-day money-back guarantee, eligibility requirements, and refund process, please see our dedicated Refund Policy.

4.7 Free Trials and Promotions

We may offer free trials or promotional pricing at our discretion. Terms include:

  • Trials automatically convert to paid subscriptions unless cancelled

  • Promotional rates apply only for the specified period

  • Previous subscribers may not be eligible for certain offers

  • We reserve the right to determine eligibility

5. User Content and Conduct

5.1 User Content Rights

When you submit, post, or display content through our Service (“User Content“), you:

  • Retain ownership of your content

  • Grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, translate, distribute, and display your content in connection with the Service

  • Represent that you have all necessary rights to grant this license

  • Acknowledge that we may use your content for promotional purposes

This license continues even if you stop using the Service, to the extent your content has been shared or integrated with other features.

5.2 Content Standards

Your User Content must comply with these standards:

Must be:

  • Accurate and truthful (to the best of your knowledge)

  • Original or properly attributed

  • Relevant to the Service’s purpose

  • Respectful and constructive

Must NOT be:

  • Illegal, fraudulent, or deceptive

  • Infringing on intellectual property rights

  • Defamatory, harassing, or threatening

  • Obscene, pornographic, or inappropriate

  • Containing malware, viruses, or harmful code

  • Spam, advertisements, or promotional material (without permission)

  • Violating privacy or publicizing private information

  • Encouraging illegal activities or self-harm

  • Discriminatory or hate speech

5.3 Monitoring and Enforcement

We reserve the right, but have no obligation, to:

  • Monitor User Content for violations

  • Remove or modify content that violates these Terms

  • Suspend or terminate accounts for violations

  • Report illegal content to law enforcement

  • Preserve content as required by law

We do not endorse User Content and disclaim liability for any User Content posted by third parties.

6. Intellectual Property Rights

6.1 Our Intellectual Property

The Service and its original content (excluding User Content), features, functionality, and design elements are owned by Vitorian LLC or our licensors and are protected by:

  • Copyright laws

  • Trademark laws

  • Trade secret laws

  • Other intellectual property rights

Our trademarks, service marks, and logos may not be used without our prior written permission.

6.2 Limited License to Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

  • Access and use the Service for personal, non-commercial purposes

  • Download or print content for personal, non-commercial use

  • Share content links with proper attribution

6.3 Restrictions on Use

You may NOT:

  • Copy, modify, or create derivative works without permission

  • Reverse engineer, decompile, or disassemble any part of the Service

  • Remove copyright or proprietary notices

  • Use content for commercial purposes without authorization

  • Scrape, harvest, or systematically extract data

  • Use automated systems or bots without permission

  • Frame or mirror any part of the Service

  • Sell, resell, or commercialize any part of the Service

6.4 Copyright Infringement Claims (DMCA)

We respect intellectual property rights and expect users to do the same. To report copyright infringement, send a DMCA notice to:

Email: dmca@vitorian.com
Address: Vitorian LLC, Attn: DMCA Agent, 2525 Techny Rd, Northbrook, IL 60062

Your notice must include:

  • Identification of the copyrighted work

  • Identification of the infringing material

  • Your contact information

  • A statement of good faith belief

  • A statement of accuracy under penalty of perjury

  • Your physical or electronic signature

We will investigate valid claims and may remove infringing content. Repeat infringers may have their accounts terminated.

7. Third-Party Services and Links

7.1 Third-Party Content

Our Service may contain links to third-party websites, services, or content that we do not control. We provide these links for convenience only and do not:

  • Endorse or approve third-party content

  • Guarantee accuracy or completeness

  • Control third-party privacy practices

  • Accept liability for third-party services

7.2 Third-Party Terms

Your use of third-party services is governed by their respective terms and privacy policies. We encourage you to review these before engaging with third-party services.

7.3 Advertising and Affiliates

We may display advertisements or participate in affiliate programs. These relationships are disclosed where required, and we maintain editorial independence in our content.

8. Prohibited Activities

You agree NOT to engage in any of the following activities:

8.1 Security Violations

  • Accessing unauthorized areas of the Service

  • Attempting to breach security measures

  • Interfering with Service operation or infrastructure

  • Transmitting viruses, worms, or malicious code

  • Conducting vulnerability scans or penetration testing

8.2 Abuse and Misuse

  • Creating false or misleading accounts

  • Impersonating others or misrepresenting affiliation

  • Manipulating metrics (views, comments, etc.)

  • Circumventing content access restrictions

  • Using the Service for illegal purposes

8.3 Commercial Exploitation

  • Reselling Service access without authorization

  • Extracting data for commercial purposes

  • Competing services using our content

  • Unauthorized advertising or solicitation

8.4 Legal and Ethical Violations

  • Violating applicable laws or regulations

  • Infringing intellectual property rights

  • Violating privacy rights

  • Engaging in market manipulation

  • Spreading false or misleading financial information

9. Disclaimers and Limitations of Liability

9.1 Service Disclaimer

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES INCLUDING:

  • MERCHANTABILITY

  • FITNESS FOR A PARTICULAR PURPOSE

  • NON-INFRINGEMENT

  • ACCURACY OR COMPLETENESS OF CONTENT

  • UNINTERRUPTED OR ERROR-FREE SERVICE

  • SECURITY OR VIRUS-FREE OPERATION

9.2 Financial Information Disclaimer

WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY FINANCIAL INFORMATION. YOU ACKNOWLEDGE THAT:

  • Trading and investing involve substantial risk

  • Past performance does not guarantee future results

  • You are solely responsible for your financial decisions

  • We are not liable for any trading losses

9.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

We are NOT liable for:

  • Indirect, incidental, special, or consequential damages

  • Lost profits, revenue, or data

  • Trading or investment losses

  • Service interruptions or data loss

  • Third-party actions or content

  • Unauthorized access to your account

Maximum Liability: Our total liability shall not exceed the greater of:

  • $100 USD, or

  • The amount you paid us in the 6 months preceding the claim

9.4 Exceptions

Some jurisdictions do not allow limitation of certain warranties or damages. If these laws apply to you, some limitations above may not apply. EU and UK consumers retain their statutory rights.

10. Indemnification

You agree to indemnify, defend, and hold harmless Vitorian LLC, its officers, directors, employees, agents, licensors, and service providers from and against all claims, losses, expenses, damages, and costs (including reasonable attorneys’ fees) resulting from:

  • Your violation of these Terms

  • Your User Content

  • Your use of the Service

  • Your violation of any third-party rights

  • Your violation of applicable laws

  • Any misrepresentation by you

  • Unauthorized use of your account

We reserve the right to assume exclusive defense of any claim subject to indemnification, and you agree to cooperate with our defense.

11. Dispute Resolution

11.1 Governing Law

These Terms are governed by the laws of the State of Illinois, United States, without regard to conflict of law principles. This choice of law is intended to provide consistent interpretation and enforcement of these Terms.

11.2 Informal Resolution

Before initiating formal proceedings, you agree to attempt to resolve disputes informally by contacting us at legal@vitorian.com. We will attempt to resolve disputes informally for at least 30 days.

11.3 Jurisdiction and Venue

For any disputes not resolved informally, you agree that:

  • Exclusive jurisdiction is in state or federal courts in Cook County, Illinois

  • You waive objections to jurisdiction and venue in these courts

  • Service of process may be made by mail or email

11.4 Consumer Protection

Nothing in these Terms limits your rights under applicable consumer protection laws. EU and UK consumers may also bring claims in their local courts.

11.5 Time Limitation

Any claim must be brought within one (1) year after the cause of action arises, or be forever barred.

11.6 Class Action Waiver

You agree to bring claims only in your individual capacity and not as part of any class, collective, or representative action.

12. Termination

12.1 Termination by You

You may terminate your account at any time by:

  • Using account settings to delete your account

  • Contacting support@vitorian.com

  • Ceasing all use of the Service

12.2 Termination by Us

We may suspend or terminate your account immediately if:

  • You violate these Terms

  • You engage in fraudulent or illegal activity

  • We believe termination is necessary to protect the Service or users

  • Required by law or legal process

  • The Service is discontinued

12.3 Effects of Termination

Upon termination:

  • Your right to use the Service immediately ceases

  • We may delete your account and User Content

  • Paid subscriptions remain active until expiration (unless terminated for violation)

  • No refunds for termination due to violations

  • Sections that should survive termination will remain in effect

12.4 Surviving Provisions

The following sections survive termination: User Content licenses, Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, and this Survival provision.

13. Modifications to Terms

13.1 Right to Modify

We reserve the right to modify these Terms at any time. Changes become effective when posted unless we specify otherwise.

13.2 Notice of Changes

We will notify you of material changes by:

  • Email notification to registered users

  • Prominent notice on the Website

  • Requiring acceptance for continued use (for significant changes)

13.3 Acceptance of Changes

Continued use of the Service after changes constitutes acceptance of modified Terms. If you disagree with changes, you must stop using the Service and may terminate your account.

13.4 Version History

We maintain a record of Terms versions. You may request previous versions by contacting legal@vitorian.com.

14. Privacy and Data Protection

14.1 Privacy Policy

Your use of the Service is subject to our Privacy Policy (https://hftuniversity.com/privacy-policy/), which is incorporated by reference into these Terms.

14.2 Data Processing

By using the Service, you consent to the collection, use, and processing of your data as described in our Privacy Policy.

14.3 Communications

By creating an account, you agree to receive:

  • Service-related emails (non-optional)

  • Marketing communications (optional, with opt-out)

  • Important notices and updates

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements explicitly incorporated by reference, constitute the entire agreement between you and us regarding the Service.

15.2 Severability

If any provision of these Terms is found invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and other provisions remain in full effect.

15.3 No Waiver

Our failure to enforce any provision is not a waiver of that provision or any other provision. Any waiver must be in writing and signed by us.

15.4 Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights to any successor or affiliate.

15.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or governmental actions.

15.6 Relationship of Parties

These Terms do not create any agency, partnership, joint venture, or employment relationship. You have no authority to bind us in any manner.

15.7 Notices

Legal notices to us should be sent to legal@vitorian.com or our mailing address. Notices to you will be sent to your registered email or posted on the Service.

15.8 Export Compliance

You may not use or export the Service in violation of U.S. export laws and regulations or any applicable local laws.

16. Contact Information

For questions about these Terms of Service, please contact us:

General Inquiries:
Email: terms@vitorian.com

Legal Matters:
Email: legal@vitorian.com

Support:
Email: support@vitorian.com

Mailing Address:
Vitorian LLC
Attn: Legal Department
2525 Techny Rd
Northbrook, IL 60062
United States

Business Hours:
Monday – Friday, 9:00 AM – 5:00 PM CST

By using Low Latency Trading Insights, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

Educational Disclaimer: HFT University is not an accredited educational institution.
The term “university” is used in its informal sense as a comprehensive source of
knowledge and learning about high-frequency trading. We do not grant degrees,
certificates, or academic credits. Read full disclaimer

These Terms of Service were last reviewed and updated on October 16, 2025.