Operated by ZuBi LLC · A Florida Limited Liability Company · Last Updated: March 2026
These Terms and Conditions ("Agreement") govern the relationship between ZuBi LLC, a Florida limited liability company operating The PIP Method™ ("Company," "we," "us," or "our"), and any individual ("Client," "you," or "your") who applies for, enrolls in, or participates in The PIP Method™ coaching program.
The PIP Method™ is a proprietary trading performance coaching program developed and operated by ZuBi LLC. By submitting a program application, making payment, or participating in any program session or activity, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions in their entirety.
If you do not agree to these terms, do not submit an application or make payment.
The PIP Method™ is an educational and performance coaching service focused exclusively on trading psychology, cognitive decision-making, execution identity, and behavioral conditioning. The program consists of eight (8) private coaching sessions delivered over an agreed timeframe, supplemented by between-session support through the Shadow Audit Portal.
The Shadow Audit Portal is a proprietary structured submission system through which the Client documents trading session data, psychological observations, and behavioral patterns for analysis by the Coach between sessions. Submissions are reviewed personally by the Coach and responded to via private written communication.
Upon completion of the program, the Client receives a personalized PIP Playbook™, a customized performance document built specifically around the Client's individual patterns, conditioning protocols, and execution identity framework.
The program does not provide financial advice, investment recommendations, trading signals, or any form of regulated financial service. All content, methodology, and coaching interactions are for educational and performance development purposes only.
Enrollment in The PIP Method™ is by application only. Submission of an application does not constitute acceptance into the program. ZuBi LLC reserves the sole and absolute right to accept or decline any application at its discretion without obligation to provide a reason.
Enrollment is confirmed only upon receipt of the Program Fee in full as described in Section 4. No client slot is reserved and no program obligations commence until payment is received and confirmed by ZuBi LLC in writing.
The Program Fee for The PIP Method™ is as stated on the applicable invoice issued by ZuBi LLC to the accepted Client. The full Program Fee is due prior to the commencement of any program activity.
Accepted payment methods include domestic bank transfer (ACH) and international wire transfer via Wise, or such other methods as ZuBi LLC may specify on the applicable invoice. Payment details will be provided upon acceptance.
The Client acknowledges that upon confirmation of enrollment and receipt of the Program Fee, ZuBi LLC immediately delivers proprietary onboarding materials, Shadow Audit Portal access and orientation, and conducts an initial assessment in preparation for the first session. These services are delivered prior to the first coaching session and are non-recoverable upon any withdrawal or termination.
The Program Fee compensates ZuBi LLC not only for live session delivery but for the full scope of resources committed upon enrollment, including: the reservation of a limited client slot that was denied to other applicants, the proprietary onboarding and assessment process, ongoing between-session analysis and Pattern Recognition Reports, session preparation, Shadow Audit Portal access, PIP Playbook™ development, and all administrative resources committed from the date of acceptance. These resources are consumed progressively from the moment of enrollment.
All fees are stated and payable in United States Dollars. The Client is solely responsible for any bank transfer fees, currency conversion fees, or charges imposed by their financial institution.
Due to the highly personalized nature of this engagement and the immediate commitment of proprietary resources upon enrollment, all Program Fees are earned upon receipt and all sales are considered final.
The sole exception to Section 5.1 is the Program Fit Guarantee. If, after the first coaching session, the Client determines in good faith that the program is not the right fit, the Client may submit a written refund request to contact@zubicompany.com within forty-eight (48) hours of the conclusion of that first session.
Submission of a refund request does not constitute automatic approval. Approval is contingent solely upon the Client meeting the following conditions: the request is submitted in writing to contact@zubicompany.com within forty-eight (48) hours of the conclusion of the first session, and the request includes the Client's full name, date of first session, and a written statement of the specific reason the program is determined not to be a fit. Requests that meet all of these conditions will be approved. Requests that do not meet these conditions will be denied.
Upon approval of a valid refund request, a refund will be issued minus a non-refundable Program Reservation Fee of Two Thousand United States Dollars ($2,000). THE PARTIES AGREE THAT THIS FEE IS NOT A PENALTY BUT CONSTITUTES LIQUIDATED DAMAGES intended to compensate the Company for the reservation of a dedicated engagement slot and the subsequent turning away of other potential clients, proprietary onboarding, administrative costs, and the delivery of the first session and immediately delivered onboarding services, all of which are difficult to calculate with precision. The Program Reservation Fee of $2,000 reflects, among other costs, the value of these immediately delivered services.
Approved refunds will be processed within twenty (20) business days via the same payment method used at purchase.
No refund of any kind will be issued for refund requests submitted after the forty-eight (48) hour post-first-session window, regardless of the reason, including but not limited to change of mind, dissatisfaction, life circumstances, or claimed lack of results. Results are dependent on the Client's full and consistent engagement with the program protocols and cannot be guaranteed.
The Client expressly agrees not to initiate any chargeback, bank dispute, or payment reversal with their financial institution or payment processor for any amount paid to ZuBi LLC under this Agreement. The Client acknowledges that the appropriate and exclusive remedy for any dispute is the process outlined in Section 11 of this Agreement. In the event the Client initiates a chargeback or dispute in violation of this clause, ZuBi LLC reserves the right to recover all reasonable costs, fees, and expenses incurred in defending such a dispute, including legal fees.
In the event ZuBi LLC terminates this Agreement due to Client's failure to comply with program obligations, including but not limited to missed sessions without adequate notice, consistent unresponsiveness, failure to complete Shadow Audit submissions, or conduct that renders the coaching relationship untenable, no refund of any kind will be issued for any portion of the Program Fee, whether for sessions delivered or undelivered.
The Client acknowledges that the Program Fee compensates ZuBi LLC not only for live session delivery but also for: the reservation of a limited client slot that was denied to other applicants, the proprietary onboarding and assessment process, ongoing between-session analysis and Pattern Recognition Reports, preparation time, and administrative resources committed upon acceptance. These resources are consumed from the moment of enrollment and cannot be recovered upon termination.
Termination under this clause forfeits any and all refund rights the Client may otherwise have had, including rights under the Program Fit Guarantee described in Section 5.2.
ZuBi LLC agrees to hold all Client information shared during the program in strict confidence, including but not limited to trading history, account details, psychological profile, Shadow Audit submissions, and session content. This information will not be disclosed to any third party without the Client's prior written consent, except as required by law.
The Client agrees to hold all proprietary program content in strict confidence, including but not limited to the methodology, framework, and structure of The PIP Method™, session content, coaching techniques, Shadow Audit feedback, Pattern Recognition Reports, and any materials provided during the engagement. The Client shall not disclose, reproduce, share, or publish any program content without the prior written consent of ZuBi LLC.
THE CLIENT IS SOLELY RESPONSIBLE FOR REDACTING OR MASKING SENSITIVE INFORMATION, including but not limited to bank account numbers, social security numbers, or personally identifiable financial identifiers from any documents or trading data submitted through the Shadow Audit Portal. ZuBi LLC assumes no liability for the disclosure of sensitive data that was not properly redacted by the Client prior to submission.
The Client is strictly prohibited from recording, screen-capturing, transcribing, or otherwise reproducing any coaching session, Shadow Audit feedback, written communication, or program material in any format without the prior written consent of ZuBi LLC. Violation of this clause constitutes a material breach of this Agreement and forfeits any refund rights the Client may otherwise have held.
The Client grants The PIP Method™, operated by ZuBi LLC, a non-exclusive, royalty-free license to reference anonymized outcomes, results, and experiences from this engagement in marketing, educational, and promotional materials, provided that no personally identifiable information is disclosed without the Client's separate written consent.
All content, methodology, frameworks, tools, materials, and deliverables associated with The PIP Method™, including but not limited to the Shadow Audit Portal, Pattern Recognition Reports, and the PIP Playbook™ framework, are the sole and exclusive intellectual property of ZuBi LLC and are protected by applicable intellectual property laws.
Upon completion of the program, the Client receives a personal use license to their individually customized PIP Playbook™. This license is non-exclusive, non-transferable, and limited to the Client's personal trading practice. The Client may not reproduce, distribute, share, sell, teach from, or use any portion of the PIP Playbook™ or The PIP Method™ methodology to create derivative coaching products, programs, or services.
The underlying methodology, framework, and structure of The PIP Method™ and the PIP Playbook™ remain the permanent and exclusive intellectual property of ZuBi LLC regardless of any customization delivered to the Client.
The Client agrees to attend all scheduled coaching sessions and to provide a minimum of twenty-four (24) hours written notice via email for any rescheduling request. The Client further agrees to complete Shadow Audit submissions within the timeframes agreed upon at program commencement and to engage with all program components honestly and in good faith throughout the engagement.
Any session missed without a minimum of twenty-four (24) hours written notice, or any session for which the Client arrives more than fifteen (15) minutes late regardless of notice, shall be deemed delivered and forfeited from the Client's total session count. ZuBi LLC is under no obligation to reschedule sessions forfeited under this clause, though it may elect to do so at its sole discretion as a courtesy.
ZuBi LLC reserves the unilateral right to terminate this Agreement immediately if the Client: (a) misses sessions without adequate notice; (b) is consistently unresponsive to Shadow Audit communications or program correspondence; (c) engages in conduct that renders the coaching relationship untenable in ZuBi LLC's reasonable judgment; (d) violates any provision of this Agreement; or (e) engages in the disparagement of the Company, the Coach, or The PIP Method™ in any public or private forum.
ZuBi LLC will make reasonable efforts to provide written notice via email prior to termination. In cases of serious conduct violations, immediate termination without prior notice is warranted and ZuBi LLC reserves the right to act accordingly.
Upon termination under Section 8.2, the provisions of Section 5.5 apply in full. No refund will be issued for any delivered or undelivered sessions and all Client access to program materials, Shadow Audit Portal, and coaching communication will cease immediately.
THE PIP METHOD™ IS AN EDUCATIONAL COACHING SERVICE. NOTHING COMMUNICATED DURING SESSIONS OR IN WRITTEN MATERIALS CONSTITUTES FINANCIAL ADVICE, INVESTMENT ADVICE, OR TRADING SIGNALS. THE CLIENT IS SOLELY RESPONSIBLE FOR ALL TRADING DECISIONS AND THEIR FINANCIAL CONSEQUENCES.
HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN INHERENT LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT ACTUALLY BEEN EXECUTED, THE RESULTS MAY HAVE UNDER- OR OVER-COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFITS OR LOSSES SIMILAR TO THOSE SHOWN.
ZuBi LLC makes no representations or guarantees regarding specific outcomes, trading performance improvements, or financial results from participation in The PIP Method™. Individual results depend entirely on the Client's personal effort, consistency, market conditions, psychological readiness, and execution of program protocols.
The Client acknowledges that all trading involves substantial risk of loss. The Client accepts full and sole responsibility for their trading decisions and any financial consequences thereof. ZuBi LLC bears no responsibility for any trading losses incurred before, during, or after the program engagement.
To the maximum extent permitted by applicable law, ZuBi LLC's total liability to the Client for any claim arising out of or related to this Agreement shall not exceed the Program Fee paid by the Client. ZuBi LLC shall not be liable for any indirect, incidental, consequential, or punitive damages of any kind.
ZuBi LLC shall not be in breach of this Agreement and shall not be liable for any delay or failure to perform its obligations if such delay or failure results from circumstances beyond ZuBi LLC's reasonable control, including but not limited to illness, medical emergency, natural disaster, acts of government, internet or technology failures, or any other event that reasonably prevents program delivery.
In such circumstances, ZuBi LLC will notify the Client as soon as reasonably practicable and will make reasonable efforts to reschedule affected sessions within a mutually agreed timeframe. If ZuBi LLC is unable to deliver the remaining program sessions within one hundred and twenty (120) days of the force majeure event, the Client will be entitled to a pro-rated refund for undelivered sessions only, calculated against the total Program Fee. No refund will be issued for sessions already delivered prior to the force majeure event.
In the event of any dispute arising out of or relating to this Agreement, the parties agree to first attempt resolution in good faith through direct written communication. The Client must submit a written description of the dispute to contact@zubicompany.com and allow ZuBi LLC fourteen (14) days to respond before initiating any formal proceeding.
If good faith resolution is not achieved within the fourteen (14) day period, any dispute, claim, or controversy arising out of or relating to this Agreement shall be resolved exclusively through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. If arbitration is conducted in person, the venue shall be Collier County, Florida. Either party may elect to conduct arbitration remotely via video conference, in which case no physical venue is required. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction solely for the purpose of enforcement.
The Client waives any right to participate in a class action lawsuit or class-wide arbitration against ZuBi LLC.
This Agreement shall be governed by and construed in accordance with the laws of the State of Florida without regard to its conflict of law provisions. The parties agree that Florida courts shall have jurisdiction solely for the purpose of enforcing an arbitration award rendered under Section 11.
This Agreement constitutes the entire agreement between ZuBi LLC and the Client with respect to The PIP Method™ program and supersedes all prior communications, representations, or agreements. If any provision of this Agreement is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. ZuBi LLC reserves the right to update these Terms and Conditions at any time. Updated terms will be posted on the website with a revised effective date. Continued participation in the program following any update constitutes acceptance of the revised terms.
ZuBi LLC operating as The PIP Method™
Email: contact@zubicompany.com
State of Operation: Florida, United States
By submitting a program application or making payment, you confirm that you have read, understood, and agree to these Terms and Conditions in their entirety.