Terms and Conditions

Terms and Conditions

Last Updated: [September 2026]

These terms and conditions set out the rules and terms applicable to your subscription to and

use of Smart Forex Solutions and the Tom Camp Trading Academy community on Skool,

operated by TC Commercial Solutions Ltd (“we”, “us”, “our”).

By enrolling in a Programme, including by starting a free trial of the Tom Camp Trading

Academy, you agree that you have reviewed and understood these terms and conditions.

IMPORTANT: After successfully purchasing, subscribing to, or starting a free trial of a

Programme, you will have immediate access to content within the Programme(s).

By enrolling in a Programme with us, you are agreeing that the supply of the Programme will

begin before the end of the cancellation period and that as a result your right to cancel will be

lost (please see the section “Money-back Guarantee” below for more information).

IMPORTANT FOR SKOOL MEMBERS: Your free trial turns into a paid monthly

subscription automatically unless you cancel it yourself on Skool before the trial ends.

We cannot cancel it for you. If you are charged because you did not cancel in time, you

will not be entitled to a refund, except where the law says otherwise. Please read the

section “Tom Camp Trading Academy (Skool Community)” carefully.

You should save a copy of these terms for your future reference.

You should also read and save a copy of our Privacy Policy and Earnings Disclaimer.

These terms may have changed since you last reviewed them

For a list of changes and when they were made, please contact us at

[email protected].

Where to find information about us and our products

Smart Forex Solutions’ programmes are educational mentorship programmes designed to teach

participants how to trade Forex and other markets (“Programmes”). Some courses are available

as a one-off purchase, and others on a subscription basis. We may also offer some live events.

One of our subscription Programmes is the Tom Camp Trading Academy, an online community

hosted on Skool at https://www.skool.com/tom-camp-trading-academy (the “Community”).

You can find more information about our Programmes at https://www.smartfxsolutions.com/

and, for the Community, on its Skool About page.

All content provided by us is strictly for educational purposes and should not be construed as

financial advice. We confirm that we do not need to be regulated by the Financial Conduct

Authority (FCA) since we do not provide financial advisory services.This programme is regulated with CPD, and our accreditation number is 50508.

You can find everything you need to know about us, TC Commercial Solutions Ltd, and our

products on our website before you purchase or subscribe to a programme. We also confirm the

key information to you in writing after you order, either by email or in your online account.

Skool is a third-party platform

The Community is hosted on Skool, a platform run by a separate company that we do not own

or control. To join the Community you will need a Skool account, and your use of Skool is also

subject to Skool’s own terms of service and privacy policy.

Subscription payments for the Community are taken through Skool’s payment system.

Membership management, including cancellation, is done through your Skool account settings.

We are not responsible for the operation, availability, features or errors of the Skool platform

itself. If Skool is unavailable or changes how it works, this will be treated as an event outside

our control (see “We’re not responsible for delays outside our control”).

Setting up your account

To access Programme(s) bought through our website, you will need an account on our website.

We will need the following information*:

• Name

• Address

• Phone Number

• Email Address

• Payment Details

To access the Community, you will need a Skool account. Skool collects the details needed to set

up your account and take payment.

*How we use any personal data you give us is set out in our Privacy Notice.

You may also be asked to fill out a short questionnaire about your experience with trading, and

your reasons for wishing to access the Programme.

You must ensure that the information you provide when you set up your account is accurate

and up to date, including your payment details. Please let us know if there are any changes to

this information using the contact details below.

You will have the ability to select which Programmes you would like to access. Please ensure

you understand the details of the Programme(s) you are selecting, and get in touch with us if

you have any questions.

You must be 18 or over to access our Programmes. If you are under 18 years old you must not

purchase access to, subscribe to, or start a free trial of the Programmes.Services

One-Time Fees

Some Programmes or live events are accessible through payment of a one-time fee. For

Programmes, once we have received your payment, you will have immediate access to the

Programme. For live events, you will need to pay in advance in order to receive information on

how to join the live event.

Subscriptions

Some Programmes are accessible on a subscription basis (the “Subscription”). The Community

is a Subscription.

Some Subscriptions may include content or benefits (“Advanced Benefits”) that unlock after a

specified period of time (as set out on the relevant Programme’s information page, where

applicable).

Advanced Benefits are provided at our discretion and we reserve the right to make changes or

adjustments to these offerings.

If you cancel your Subscription, you will lose access to any Advanced Benefits if you later re-

subscribe. The Advanced Benefits will only be available once you have been re-subscribed after

the relevant specified period of time.

Tom Camp Trading Academy (Skool Community)

7-day free trial

New members may be offered a 7-day free trial of the Community. The free trial is available

once per person. We may refuse or end a free trial if we reasonably believe you have already

had one, including under a different Skool account or email address.

You will need to enter valid payment details to start the free trial.

What happens when the free trial ends

Unless you cancel before the end of the 7-day free trial, your trial will automatically turn into a

paid monthly Subscription. You will be charged the monthly fee shown on the Community page

when you joined, on the day the trial ends, and then on the same date every month until you

cancel.

We may send you a reminder before your trial ends, but you are responsible for keeping track

of when your trial ends and for cancelling in time if you do not want to continue. Not receiving

a reminder does not stop the Subscription starting, except where the law requires us to send

one.

Price and price lock

The price you pay is the monthly price shown on the Community page at the time you join.Where we advertise that members can “lock in” a price (including “for life”), this means we will

not increase your monthly price for as long as your membership stays active without a break.

You will lose the locked-in price and pay the current price if you rejoin if:

• you cancel your membership;

• your membership ends because a payment fails and is not paid; or

• we end your membership for a breach of these terms.

The price lock does not stop us passing on changes in VAT or other taxes (see “We pass on

increases in VAT”).

Currency

The Community may be priced in US dollars or another currency shown on Skool. Your bank or

card provider may charge currency conversion or foreign transaction fees. We are not

responsible for these fees.

How to cancel your Community membership

Only you can cancel your membership. We are not able to cancel it for you. You must cancel it

yourself through your Skool account, using these steps:

On desktop:

1. Click your Skool profile picture in the top right corner, then click Settings.

2. In the Communities tab, click SETTINGS next to Tom Camp Trading Academy.

3. Click Manage membership and complete the cancellation.

In the Skool mobile app:

1. Tap the three dots menu, then tap Group Settings.

2. Tap Manage Membership.

3. Complete the cancellation.

Skool’s own guide is here: https://help.skool.com/article/99-how-to-cancel-my-subscription-

to-a-community

You must cancel at least 24 hours before your free trial ends or before your next payment date.

If you cancel later than this, you may still be charged.

The following do NOT cancel your membership:

• leaving, muting or not using the Community;

• deleting the Skool app or logging out;

• emailing us, or messaging us on Skool or social media;

• removing or letting your payment card expire (your access will be suspended, but your

membership is not cancelled); or

• asking your bank to stop a payment.After cancelling, please check that your Skool account shows your membership as cancelled.

We recommend you keep a screenshot as proof.

When you cancel, you will keep access until the end of the period you have already paid for (or

until the end of your free trial). You will then be removed from the Community.

If you paid for the Community outside of Skool (for example, through a direct link from us),

please contact us at [email protected] before your next payment date to cancel.

Refunds for the Community

Community payments are non-refundable. This includes:

• the first payment taken when your free trial ends, if you did not cancel in time;

• any monthly payment taken because you did not cancel at least 24 hours before your

payment date;

• any part of a month you do not use after cancelling; and

• any period in which you did not log in or use the Community.

It is your responsibility to cancel. If you are billed because you did not cancel, you are not

entitled to a refund.

This does not affect any rights you have by law that cannot be excluded. This includes your

rights if something is wrong with the Community (see “You have rights if there is something

wrong with our courses”), and any right to cancel and receive a refund that UK subscription

law gives you once in force.

Chargebacks

If you ask your bank or card provider to reverse a payment that was properly taken under

these terms, we may provide evidence of these terms, your sign-up and your use of the

Community to your bank, and we may suspend or end your access to the Community and our

other Programmes. This does not stop you exercising any rights you have by law.

Fees

Access to the Programme(s) and live events is conditional on the payment of the relevant fees.

One-Off Fee Programmes and Live Events

We take payment at the point of enrolment or purchase. We accept payment via direct debit,

Apple Pay, Stripe or PayPal.

We will not be able to provide access to the Programme or live event unless payment has been

received.

Subscriptions bought through our website

For Subscriptions bought through our website, we take payment via direct debit, Apple Pay,

Stripe or PayPal either on a monthly basis, or every 6 months, as selected by you during the

enrolment process.Community Subscriptions

For the Community, payment is taken monthly through Skool, as set out in the section “Tom

Camp Trading Academy (Skool Community)”.

Missed payments

If we do not receive your payment at the time of renewal, we may suspend your access to the

Programme until we have received payment in full. You may lose access to Advanced Benefits

and any locked-in price if a payment is missed – please ensure you keep your payment details

up to date.

We pass on increases in VAT

If the rate of VAT changes between your order date and the date we supply the product, we

adjust the rate of VAT that you pay, unless you have already paid in full before the change in

the rate of VAT takes effect.

We’re not responsible for delays outside our control

If our supply of a Programme (or any part of it) or live event is delayed by an event outside our

control, such as a denial-of-service attack, our website or the Skool platform failing or being

unavailable, or any other event, we contact you as soon as possible to let you know and do what

we can to reduce the delay. As long as we do this, we won’t compensate you for the delay.

For Subscriptions, if the delay is likely to be substantial you can contact us to end the

Subscription, and receive a refund for any products you have paid for in advance, but not

received.

Money-back Guarantee

For some services bought online, customers have 14 days after the date their order is confirmed

to change their mind about a purchase (a cancellation period), but when you access a

Programme (including by starting a free trial of the Community) you will have instant access to

the Programme’s content. Because of this, there is no legal right to change your mind.

By enrolling in a Programme with us, or starting a free trial of the Community, you are asking

us to start supplying the Programme straight away, and you agree that the supply of the

Programme will begin before the end of the cancellation period and that as a result your right

to cancel will be lost.

One-Off Fee Programmes

We are confident that you will enjoy the Programmes, and we offer a 7-day money-back

guarantee for Programmes accessible by paying a one-off fee. This guarantee does not apply to

Subscriptions, including the Community. For the Community, the 7-day free trial is your chance

to try it before paying.

To exercise this guarantee, please contact us for a refund by email at

[email protected] within 7 days of enrolling on to the Programme.Please ensure you let us know within the 7 days of your enrolment or you may lose access to

your account and not receive a refund. We will try to get back to you within 14 days of receiving

your request.

If we reasonably believe that your refund request is made in bad faith (for example to gain

access to the Programme for free), we may refuse to refund you.

After the 7 day period has ended, we will only provide a refund under the 90-Day Guarantee

below, or if there is something wrong with the Programme (see “You have rights if there is

something wrong with our courses”).

90-Day Guarantee

In addition to the 7-day money-back guarantee, One-Off Fee Programmes come with a 90-Day

Guarantee. If you complete every lesson and all of the homework in the Programme and do not

see an improvement in your trading, you can ask for your money back.

To qualify, you must, within 90 days of enrolling:

• complete 100% of the lessons in the Programme, as shown by the course platform’s

progress tracking;

• complete all of the homework set in the Programme and post or submit each piece

where the Programme tells you to;

• email us at [email protected] with a short explanation of why you have

not seen an improvement; and

• not have broken our Acceptable Use Rules.

We will check that all lessons and homework have been completed and reply within 14 days of

receiving your request. If you meet these conditions, we will refund the fee you paid for that

Programme. Your access to the Programme will end once the refund is made.

We will not refund you under this guarantee if any lessons or homework are missing,

incomplete or completed after the 90 days, or if we reasonably believe your request is made in

bad faith (for example, copying another person’s homework or enrolling only to claim a

refund).

The 90-Day Guarantee applies to One-Off Fee Programmes only. It does not apply to live events

or Subscriptions, including the Community.

The 7-day money-back guarantee and the 90-Day Guarantee are both in addition to your legal

rights, and you can only receive one refund for each Programme.

Live Events

For live events, you can cancel your booking by contacting us at

[email protected].

Unfortunately we cannot refund a booking for a live event if you cancel within 1 week of the

live event taking place, unless you are within the cancellation period.

We will try to get back to you within 14 days of receiving your request.You can end a subscription

Subscription products are non-refundable, however you can cancel a Subscription at any time,

and you will not be charged any further Subscription Fees after cancellation. You will lose

access to the benefits of the Subscription at the end of the relevant subscription period (for

example, on a monthly subscription, at the end of that month).

If you want to cancel your Subscription you should make sure you cancel before the end of the

relevant subscription period. If you do not cancel and payments are taken, we cannot provide a

refund.

To cancel a Subscription bought through our website, you must follow the links in your website

account. To cancel the Community, you must follow the steps in “How to cancel your

Community membership” above. We confirm this information to you in writing after we’ve

accepted your order.

Acceptable Use Rules

When you access a Programme, our website, any free content on our website, any other

content, the Community, Discord servers or any features of a Programme, you:

MUST

• Comply with these terms and conditions.

• Only use your account for your own personal use.

• Ensure that you attend any mentoring or personal support meetings on time, and if you

can no longer make an appointment, let us know at least 48 hours in advance.

• Assume full responsibility for your trading activities – read our Earnings Disclaimer

(linked here).

MUST NOT

• Share your account’s password with any other person, or allow any other person to

access your account.

• Download, duplicate, copy, reuse, or distribute any part of our course materials without

our express written permission. This includes recording, screen-capturing or re-

streaming live sessions, calls or Community posts.

• Use the course materials to develop or provide your own courses.

• Promote your own business without our express written permission, including by

contacting other members (in the Community, by direct message or elsewhere) to sell,

recruit or advertise.

• Sell or share trade signals, or present yourself as offering trading advice, to other

members.

• Use our website or content in any way that breaches any local, national or international

law or regulation.

• Use our website in any way that is unlawful or fraudulent or has any unlawful or

fraudulent purpose or effect.• Use our course materials to train Artificial Intelligence (AI) in any way, without our

express written permission.

• Bully, insult, intimidate or humiliate any person.

• Transmit, or procure the sending of, any unsolicited or unauthorised advertising or

promotional material or any other form of similar solicitation or spam.

• Transmit any data, send or upload any material that contains viruses, Trojan horses,

worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs

or similar computer code designed to adversely affect the operation of any computer

software or hardware.

• Send, knowingly receive, upload, download, share, post, use or re-use any material

which may:

– Be defamatory of any person.

– Be obscene, offensive, hateful or inflammatory.

– Infringe any copyright, database right or trade mark of any other person.

– Be likely to deceive another person.

– Contain illegal content, promote illegal activity, or incite any party to commit a

criminal act.

– Be in contempt of court.

– Be threatening, abuse or invade another person’s privacy, or cause annoyance,

inconvenience or needless anxiety.

– Be likely to harass, upset, embarrass, alarm or annoy any other person.

– Breach any legal duty owed to a third party, such as a contractual duty or a duty

of confidence.

– Give the impression that the content is produced by Smart Forex Solutions or

Tom Camp Trading Academy, if this is not the case.

– Impersonate any person or misrepresent your identity or affiliation with any

person.

– Be pornographic.

Any breach of our Acceptable Use Rules could result in you losing access to the Programmes,

the Community and all related features, without a refund.

You have rights if there is something wrong with our courses

If you think there is something wrong with our website, content, the Community or

subscription, you must contact us at [email protected].

Your legal rights are summarised below. These are subject to certain exceptions. For detailed

information please visit the Citizens Advice website www.citizensadvice.org.uk. Remember too

that you have several options for resolving disputes with us.

Summary of your key legal rights

If your product is digital content, for example an online course, the Consumer Rights Act 2015

says digital content must be as described, fit for purpose and of satisfactory quality:• If your digital content is faulty, you’re entitled to a repair or a replacement.

• If the fault can’t be fixed, or if it hasn’t been fixed within a reasonable time and without

significant inconvenience, you can get some or all of your money back.

• If you can show the fault has damaged your device and we haven’t used reasonable care

and skill, you may be entitled to a repair or compensation.

If your product is services, for example mentorship sessions, the Consumer Rights Act 2015

says:

• You can ask us to repeat or fix a service if it’s not carried out with reasonable care and

skill, or get some money back if we can’t fix it.

• If a price hasn’t been agreed upfront, what you’re asked to pay must be reasonable.

• If a time hasn’t been agreed upfront, it must be carried out within a reasonable time.

We can change products and these terms

Changes we can always make

We can always change a product:

• to reflect changes in relevant laws and regulatory requirements;

• to make minor technical adjustments and improvements, for example to address a

security threat. These are changes that don’t affect your use of the product, or may only

result in minor changes; and

• to update digital content, provided that the digital content always matches the

description of it that we provided to you before you bought it.

Changes we can only make if we give you notice and an option to terminate

This part is applicable to Subscriptions only – some changes may be more significant and if we

need to make these changes, we’ll notify you and you can then end the Subscription before the

change takes effect.

We can suspend supply (and you have rights if we do)

We can suspend access to a Programme. We do this to:

• deal with technical problems or make minor technical changes;

• update the product to reflect changes in relevant laws and regulatory requirements; or

• make changes to the product (see “We can change products and these terms”).

We let you know, and in case of Subscriptions we may adjust the price and may allow you to

terminate. We contact you in advance to tell you we’re suspending access to the Programme,

unless the problem is urgent or an emergency.

This part is for Subscriptions only – if we suspend the product for longer than 14 days in any 30

day period, we adjust the price so you don’t pay for it while it’s suspended. If we suspend

supply, or tell you we’re going to suspend supply, for more than 30 days you can terminate the

Subscription and we’ll refund any sums you’ve paid in advance for services you won’t receive.We can withdraw the Programme or specific courses

We can stop providing content, such as an ongoing service or a Subscription for digital content,

including the Community. We let you know at least 30 days in advance and we refund any sums

you’ve paid in advance for products which won’t be provided.

We can end our contract with you

We can end our contract with you for a product and claim any compensation due to us

(including enforcement costs) if:

• you breach our Acceptable Use Rules (set out above);

• you don’t make any payment to us when it’s due and you still don’t make payment

within 30 days of our reminding you that payment is due; or

• you reverse a payment that was properly taken under these terms (see “Chargebacks”).

We don’t compensate you for all losses caused by us or our products

We’re responsible for losses you suffer caused by us breaking this contract unless the loss is:

• Unexpected. It was not obvious that it would happen and nothing you said to us before

we accepted your order meant we should have expected it (so, in the law, the loss was

unforeseeable).

• Caused by a delaying event outside our control. As long as we have taken the steps set

out in the section “We’re not responsible for delays outside our control”.

• Avoidable. Something you could have avoided by taking reasonable action. For example,

damage to your own digital content or device, which was caused by digital content we

supplied and which you could have avoided by following our advice or having the

minimum system requirements advised by us.

• A business loss. It relates to your use of a product for the purposes of your trade,

business, craft or profession.

You have several options for resolving disputes with us

Our complaints policy

We will do our best to resolve any problems you have with us or our products. If you have a

complaint, please contact us – we will get back to you as soon as possible.

You can go to court

These terms are governed by English law and wherever you live you can bring claims against us

in the English courts. If you live in Wales, Scotland or Northern Ireland, you can also bring

claims against us in the courts of the country you live in. We can claim against you in the courts

of the country you live in.Other important terms apply to our contract

We can transfer our contract with you, so that a different organisation is responsible for

supplying your product. We’ll contact you to let you know if we plan to do this. If you’re

unhappy with the transfer you can contact us to end the contract.

You can only transfer your contract with us to someone else if we agree to this.

Nobody else has any rights under this contract. This contract is between you and us. Nobody

else can enforce it and neither of us will need to ask anybody else to sign-off on ending or

changing it.

If a court invalidates some of this contract, the rest of it will still apply. If a court or other

authority decides that some of these terms are unlawful, the rest will continue to apply.

Even if we delay in enforcing this contract, we can still enforce it later. We might not

immediately chase you for not doing something (like paying) or for doing something you’re not

allowed to, but that doesn’t mean we can’t do it later.

Privacy Policy

Last Updated: April 2025

This Privacy Policy explains how TC Commercial Solutions Ltd ("we", "us", "our") collects, uses, stores, and shares your personal data when you use our services, including any Programmes, website access, subscriptions, and live events provided through Smart Forex Solutions.

We are committed to protecting and respecting your privacy. This policy applies to all users of our services and website (https://www.smartfxsolutions.com).

If you have any questions or concerns about how we use your data, please contact us at:
📧 [email protected]

1. Who We Are

TC Commercial Solutions Ltd is the data controller responsible for your personal data. Our registered office address is available on request and is also listed on our Companies House registration.

2. What Personal Data We Collect

We collect the following types of data:

a) Information You Provide to Us

Full name
Email address
Phone number
Billing address
Payment information (processed via secure third-party providers)
Questionnaire responses (e.g., trading experience, goals)
Any communications with us, including emails or support requests

b) Automatically Collected Data

IP address
Device information (e.g., browser, OS)
Cookies and usage tracking on our site
Login timestamps and usage statistics
Interaction with our emails (opens, clicks)

We do not collect or store your full payment card details. These are handled securely by Stripe, PayPal, Apple Pay, or Direct Debit services.

3. How We Use Your Personal Data

We process your personal data to:

Provide access to Programmes and live events
Process payments and manage subscriptions
Respond to customer support inquiries
Improve our website and services
Comply with legal obligations
Prevent fraud and misuse
Send administrative updates and communications (e.g., service announcements)

We may also send occasional marketing communications (if you’ve opted in). You can unsubscribe at any time.

4. Our Legal Bases for Processing Your Data

Under data protection law, we can only use your personal data if we have a valid reason. These include:

Performance of a contract: To provide access to the Programmes or services you’ve purchased.
Legal obligation: For tax, accounting, or regulatory compliance.
Legitimate interests: For security, fraud prevention, business analysis, and improvement of services.
Consent: For optional marketing communications.

5. Who We Share Your Data With

We do not sell your data. However, we may share your data with the following trusted parties:

Payment processors (e.g., Stripe, PayPal, Apple Pay)
Cloud service providers (e.g., hosting platforms, CRM tools)
Our customer support platform and email service provider
Legal, accounting, or regulatory authorities when required
Professional advisers (legal, insurance, or financial)

All third parties are required to treat your data securely and only for the purpose we’ve specified.

6. International Data Transfers

Some of our service providers may be based outside the UK/EEA. If this is the case, we ensure appropriate safeguards (such as standard contractual clauses or UK adequacy decisions) are in place to protect your data.

7. How Long We Keep Your Data

We retain your data only as long as necessary to:

Fulfil the purposes outlined in this Privacy Policy
Comply with legal obligations (e.g., financial recordkeeping)
Resolve disputes and enforce our agreements

Inactive accounts or customers will generally have their personal data deleted or anonymised after 6 years unless otherwise required by law.

8. Your Rights

Under UK GDPR, you have the right to:

Access the personal data we hold about you
Correct inaccurate or incomplete data
Delete your data ("right to be forgotten")
Restrict or object to certain types of processing
Data portability – request transfer of your data
Withdraw consent (where applicable)

To exercise any of these rights, email us at [email protected].

If you are unhappy with how we handle your data, you can also lodge a complaint with the Information Commissioner’s Office (ICO):
🔗 www.ico.org.uk

9. Cookies and Tracking Technologies

We use cookies to enhance user experience and track usage. You can control cookie settings through your browser. For more information, please see our [Cookie Policy] (link to be added).

10. Data Security

We implement technical and organisational measures to protect your data, including:

SSL encryption on our website
Secure payment gateways
Role-based access to data
Regular vulnerability assessments and backups

Despite our efforts, no online system is 100% secure. Please keep your password confidential and avoid sharing your account.

11. Children’s Privacy

Our services are not intended for children under 18. If we become aware that we’ve collected data from someone under 18 without parental consent, we will delete it.

12. Changes to This Policy

We may update this Privacy Policy from time to time. If we make significant changes, we will notify you via email or website announcement.

You should review this page periodically for updates. The “Last Updated” date at the top indicates when this policy was last revised.

13. How to Contact Us

For questions, concerns, or data rights requests, please contact:
TC Commercial Solutions Ltd
📧 [email protected]
🌐 www.smartfxsolutions.com