Seller: Kevin Hitz, sole proprietor, doing business as Premium Operator, Wisconsin.
Premium Operator is a digital educational publication: a spreadsheet workbook (with written instruction material) describing one approach to organizing an options-selling practice. All data in it is fictional sample data. It is sold for personal, educational use.
This product is general information for a broad audience. It is not individualized investment, tax, or legal advice, not a recommendation or solicitation to buy or sell any security, and the seller is not a registered investment adviser or broker-dealer. See the full Disclaimer, which is part of these Terms.
Your purchase grants you a single-user, non-transferable license to use the workbook for your own personal investing organization. You may make backup copies for your own use. You may not resell, redistribute, share, sublicense, publish, or give away the workbook or its contents, in whole or in part, whether or not for payment.
You must be 18 or older to purchase. Options trading additionally requires approval by your own broker at the appropriate options level; that approval is your responsibility.
The workbook is provided "as is," without warranty of any kind, express or implied, including fitness for a particular purpose. Formulas may contain errors or may not fit your situation. Verify every calculation independently before placing any order.
To the maximum extent permitted by law, the seller's total liability arising from this product is limited to the amount you paid for it. The seller is not liable for any trading losses, tax consequences, or other indirect or consequential damages arising from use of this educational material. You alone are responsible for your trading decisions and their results.
Digital products can't be returned, so we keep this simple: if Premium Operator isn't what you expected, email us within 14 days of purchase for a full refund — no questions, no forms. After 14 days, all sales are final, except where a refund is required by law. Refunds go back to your original payment method through the platform you bought from (Etsy or Gumroad), on their processing timelines. A defective file (corrupt download, wrong version) is replaced or refunded at any time.
These Terms are governed by the laws of the State of Wisconsin. Any dispute will be resolved in the state or federal courts located in Wisconsin.
The seller may update these Terms; the version in effect at your purchase governs your purchase.