1. Who we are and what these terms cover
These terms are a contract between you and Native Software and Technologies LLC (“Native Softwares”, “we”, “us”), a company based in Corinth, TX. They apply to every product we operate (“the Services”):
- nativesoftwares.com, this website.
- ExpertNest, at expertnests.com, in the ExpertNest iOS app and on WhatsApp in supported regions.
- OptionsLab, the iOS app.
- Any other app or website we launch that links to these terms.
By creating an account or using a Service you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the Services. Some products have extra terms shown inside the product; where they conflict with this page, the product terms win for that product.
2. Who can use the Services
- You must be at least 13 to use ExpertNest or this website. If you are under 18, a parent or guardian must agree to these terms for you.
- You must be at least 18 to use OptionsLab.
- You must be able to form a binding contract and must not be barred from using the Services under applicable law.
We may close accounts that do not meet these requirements.
3. Your account
Keep your login details private and tell us straight away if you think someone else has used your account. You are responsible for what happens under your account until you do. Give us accurate information and keep it up to date. One person, one account; do not share, sell or transfer it.
4. Educational products, not professional advice
Our products teach. They do not advise. Everything in the Services, including courses, lessons, trade breakdowns, career guidance, community posts and anything shared by other users, is provided for educational and informational purposes only.
- OptionsLab content is not financial, investment, trading, tax or legal advice. We are not a registered investment adviser, broker-dealer or financial planner, we do not execute trades, hold funds or recommend specific securities, and we make no promise about trading results. Options involve substantial risk of loss. Read our Risk Disclosure.
- ExpertNest content is not career, employment, financial or legal advice. Completing a course or earning a certificate does not guarantee a job, an interview or any level of income. Any salary or earnings figures we mention are illustrative, drawn from public sources at the time of writing, and vary by location, employer and experience.
Before you act on anything you learn, consider your own circumstances and, where appropriate, talk to a licensed professional. See our Disclaimer.
5. Subscriptions, purchases and refunds
What is sold
- OptionsLab offers a free tier and paid monthly subscriptions (currently Pro and Gold). Prices and what each tier includes are shown in the app and on this site and may change for future billing periods with notice.
- ExpertNest offers free courses and individual paid courses or bundles priced by the expert who published them.
How billing works
- Apple in-app purchases. Purchases made inside an iOS app are processed by Apple under Apple’s terms. Subscriptions renew automatically at the end of each period unless you cancel in your Apple ID settings at least 24 hours before renewal. Refunds for Apple purchases are requested from Apple at reportaproblem.apple.com; we cannot issue them ourselves.
- Web and WhatsApp purchases. Purchases made on our websites or through WhatsApp are processed by Stripe, Paystack or Flutterwave depending on your region. You authorise the charge shown at checkout and, for subscriptions, each renewal until you cancel.
Cancelling
You can cancel a subscription at any time. It stays active until the end of the period you have paid for, you are not charged again, and paid features switch off after that. Except where the law requires otherwise, we do not refund partial periods or unused time. For course purchases, we will refund within 14 days of purchase if you have completed less than 20% of the course; email info@nativesoftwares.com.
Taxes
Prices may exclude VAT, sales tax or similar charges, which are added at checkout where required.
6. Publishing on ExpertNest
If you publish courses as an expert on ExpertNest, the following also applies:
- You keep ownership of your course material and grant us a licence to host, stream, display, promote and sell it on the platform while it is published, and to keep serving it to learners who already bought it after you unpublish.
- You confirm that you own or have permission to use everything in your course, that it is accurate to the best of your knowledge and that it follows our content rules.
- You set your price within the ranges the platform allows. You receive 70% of the net price of each sale (after payment-processor fees, refunds, chargebacks and taxes we must collect). Payouts are made monthly to the payout method on file once you pass the minimum threshold shown in the app.
- You are responsible for your own taxes on payouts. We may ask for tax or identity information before paying you.
- We may remove a course or pause payouts if we reasonably believe it breaks these terms, infringes someone’s rights, or is tied to fraud or chargeback abuse.
7. Your content
You own what you create in the Services: posts, comments, journal entries, course material, messages and uploads. You give us a worldwide, non-exclusive, royalty-free licence to store, display and distribute that content as needed to run and promote the Services. For private content such as journal entries, that means storing and showing it to you.
You are responsible for your content. Do not post anything that:
- Infringes someone else’s copyright, trademark or privacy.
- Is unlawful, hateful, harassing, sexually explicit or threatening.
- Presents itself as personalised financial advice, a trading signal or a solicitation to invest.
- Promises guaranteed returns, guaranteed jobs or guaranteed income.
- Contains malware, spam or links to scams.
We may remove content or suspend accounts that break these rules. We do not pre-screen user content and we are not responsible for it; see the Disclaimer.
8. Acceptable use
You agree not to:
- Use the Services for anything illegal or to harm other people.
- Copy, resell, redistribute or share access to paid content, lessons or breakdowns.
- Scrape, crawl, reverse engineer, decompile or probe the Services or their APIs, except as the law allows.
- Interfere with the Services, bypass security or rate limits, or use bots or automated accounts.
- Impersonate any person, company or Native Softwares staff.
- Use someone else’s account or create accounts after we have closed yours.
9. Our intellectual property
The Services, including our software, design, logos, brand names, course material we produce, trade breakdowns and text, belong to Native Software and Technologies LLC or our licensors and are protected by copyright, trademark and other laws. We give you a limited, personal, non-transferable licence to use them as intended. You may not reproduce, modify or create derivative works from them without our written permission. Feedback you send us can be used without obligation to you.
10. Third-party services
The Services rely on third parties such as Apple, Google, Stripe, Paystack, Flutterwave and Meta (WhatsApp). Their terms apply to your use of their services, and we are not responsible for them. Links to other websites are provided for convenience; we do not endorse or control them.
11. Ending the relationship
You can stop using the Services or delete your account at any time. We can suspend or close your account if you break these terms, if we must by law, or if we discontinue a product. If we close a paid product for reasons other than your breach, we will refund any unused prepaid period. Sections that by their nature should survive (such as your content licence for already-sold courses, disclaimers, limitation of liability and dispute resolution) continue after termination.
12. No warranties
The Services are provided “as is” and “as available”. To the fullest extent the law allows, we disclaim all warranties, express or implied, including fitness for a particular purpose, accuracy and non-infringement. We do not promise that the Services will be uninterrupted, error-free or that any content, breakdown or course will produce a particular outcome.
13. Limitation of liability
To the fullest extent the law allows, Native Software and Technologies LLC and its officers, employees and partners are not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, lost trading capital, lost income or opportunities, lost data or goodwill, arising from your use of the Services or anything you learned in them.
Our total liability for any claim relating to the Services is limited to the greater of (a) the amount you paid us in the 12 months before the claim and (b) US$100. Some jurisdictions do not allow these limits, so they may not fully apply to you.
14. Indemnity
You agree to defend and compensate us for claims, losses and reasonable legal costs that arise from your content, your breach of these terms or your misuse of the Services.
15. Governing law and disputes
These terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules.
Please read this part carefully; it affects your legal rights. Any dispute arising from these terms or the Services will be resolved by binding individual arbitration under the rules of the American Arbitration Association, held in Denton County, Texas, unless we agree otherwise. Either side may instead bring an individual claim in small-claims court if it qualifies. You and we each waive the right to a jury trial and to take part in a class action or class-wide arbitration.
You can opt out of arbitration by emailing info@nativesoftwares.com within 30 days of first accepting these terms. If you live in a country whose consumer law gives you the right to sue in your local courts, nothing here takes that right away.
Before starting any formal proceeding, please contact us first; most issues can be sorted out quickly.
16. Changes to these terms
We may update these terms from time to time. We will post the new version here and update the date at the top; for significant changes we will also notify you in the product or by email before they take effect. Continuing to use the Services after that means you accept the new terms.
17. Contact
Native Software and Technologies LLC
4401 Grassy Glen Dr, Corinth, TX 76208
info@nativesoftwares.com