Terms of Service

Last updated: 2026-08-24

These terms are a contract between you and Ohey Inc. They cover your use of oheyinc.com and of the RingMaster product. Please read them. If you do not agree with them, please do not use the site.

1. Who we are

Ohey Inc is a company incorporated in the United States. RingMaster is a product operated by Ohey Inc. In these terms, "we", "us" and "Ohey" mean Ohey Inc, and "you" means the person using the site.

You can reach us at [email protected].

2. What this site is

RingMaster is a website. It publishes model portfolios and the analysis around them, and you place any orders yourself, in your own account, at your own broker.

3. What the service is

RingMaster is a website. It works like this:

• You answer a short questionnaire. It asks about your goal, your comfort with risk, how long you plan to stay invested, the largest loss you could live with, your experience, whether your broker account can short, and a broad band for your account size.
• Software takes those answers and maps them, by a fixed set of rules, onto ONE of a finite set of pre built model portfolios. We call each of those a "book". A book is a list of holdings and the weight of each one.
• You see the book, the weights, and the reasoning behind it.
• You decide what to do. If you choose to act, you place every order yourself, in your own account, at your own broker.

The mapping is one hundred percent software. No human at Ohey picks or changes an individual client's book. People at Ohey build and maintain the models for everyone, not for you personally.

4. What the service is not

This list is exact, and we intend to be held to it:

• No custody. We never hold, receive, or have access to your money or your securities.
• No discretion. We cannot make a decision for your account. You make every decision.
• No execution. We do not place orders, ever.
• No brokerage connection. We do not connect to your broker. We do not ask for and do not want your broker login.
• No auto trading and no mirroring. Nothing on this site can trade on your behalf or copy a book into your account.
• No promise about the future. A book is a model, not a forecast you can rely on, and not a guarantee of anything.

5. The advisory relationship

You are not an advisory client of Ohey Inc, and no fiduciary or advisory relationship exists between us, unless and until you and Ohey Inc have signed a separate written advisory agreement.

Using the site, opening a free account, filling in the questionnaire, or joining a list does not create an advisory relationship, and none of those things is a substitute for the written agreement. If we ever appear to say otherwise anywhere, this section governs.

6. Your orders are yours

You are responsible for every order you place, for the size of it, for the timing of it, for the account you place it in, and for the outcome. You are also responsible for your own taxes and for meeting your broker's rules, including margin rules and the pattern day trader rule.

Investing puts your money at risk. You can lose money, including all of the money you put in. Do not invest money you cannot afford to lose. If you are unsure, speak to a professional who knows your full situation.

7. Who may use the service

To open an account you must:

• be at least 18 years old;
• be a natural person resident in the United States, using the service for your own account;
• have the legal capacity to enter into this contract; and
• not be barred from using the service under any law that applies to you.

The service is built for people in the United States. We do not offer it to people outside the United States, and we may decline or close an account that falls outside the eligibility above.

8. Your account and your answers

Keep your login details private. You are responsible for activity under your account. Tell us at [email protected] if you think someone else has access to it.

The software has nothing to work with except the answers you give it. Answer honestly, and update your answers when your situation changes. If your answers are wrong or out of date, the book you are shown may be a poor fit for you.

9. Plans and fees

There are two plans. The free plan carries everything this site publishes, including everything our models produce, and it is not time-limited: it does not expire, and it is not a trial of the paid plan. The paid subscription is $19 a month or $190 a year, and what it buys is timing: the output of our models for the current session, rather than one trading session later. New subscribers get a 14 day free trial of the paid plan: a card is required, nothing is charged during the trial, the first charge comes when the trial ends, and cancelling during the trial costs nothing. Market data we did not generate, such as the options figures, and your own records are current on both plans. Twelve months bought one at a time would be $228, so at $190 you pay for ten months and get twelve; paying yearly saves you $38. Both schedules carry exactly the same thing; the only difference is when you pay. If you pay annually and then cancel part way through, we refund the whole months you have not used, at one twelfth of the annual price each, which is $15.83 back for every whole month you did not use, and we do not keep a cancellation fee. The month you are in is not refunded because you had access for it. Monthly cancels at the end of the month you have paid for, with nothing further taken.

Prices, billing terms, renewal terms and cancellation terms are shown to you in full before you are asked to pay, and you agree to them at that point. See the Pricing page.

10. Acceptable use

Please do not:

• copy, scrape, resell, redistribute or republish the books, the weights, or the reasoning, whether for free or for money;
• use the service to run an advisory business of your own, or to manage other people's money;
• share your login, or use someone else's;
• break into, probe, overload, or interfere with the site or anyone else's use of it;
• use automated tools to pull content off the site without our written permission; or
• use the service for anything unlawful, or in a way that misleads other people about what it is.

We may suspend or close an account that does any of these things.

11. Our intellectual property

The site, the software, the models, the books, the weights, the written reasoning, the wording, the layout and the marks "Ohey" and "RingMaster" belong to Ohey Inc or to our licensors. Nothing in these terms transfers any of that to you.

While your account is open and in good standing, you may view and use the content for your own personal, non commercial investing decisions. That is the whole of the permission we give.

12. Content from other people

The site may show market data or link to other websites. We do not control those sources and we are not responsible for them. Market data can be delayed, incomplete or wrong. Treat a link as a pointer, not as our endorsement.

13. No warranties

We provide the site and the product "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, whether written, spoken, implied or otherwise, including any implied warranty of merchantability, fitness for a particular purpose, title, and non infringement.

We do not warrant that the site will be uninterrupted, timely, error free, or that any data shown is accurate or complete. We do not warrant that any book, any holding, any weight, or any piece of reasoning will suit you or will work out well.

14. Limits on our liability

To the fullest extent the law allows, Ohey Inc and its people are not liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost money, lost opportunity, lost data, or trading losses, arising out of or relating to the site or the product.

Where liability cannot be excluded, our total liability to you for all claims arising out of or relating to the site or the product is limited to the greater of (a) the fees you actually paid us in the twelve months before the event that gave rise to the claim, and (b) one hundred United States dollars.

This section does not take away any right you have under the law. Nothing in these terms waives, limits, or is intended to waive or limit, any right or remedy you have under the federal securities laws or under any state securities law, and nothing here limits liability for our own fraud, willful misconduct, or gross negligence, or any other liability that cannot lawfully be limited. If any part of this section conflicts with that principle, that principle wins.

15. Indemnity

If someone brings a claim against us because of your breach of these terms, your misuse of the service, or your breach of the law, you agree to defend us and to cover the reasonable costs and damages that result. We will tell you promptly about any such claim and will not settle it without talking to you first.

Sections 13, 14 and 15 do not apply to investment advice. If you are an advisory client of Ohey Inc, none of the three sections above, the disclaimer of warranties, the limits on our liability, and the indemnity, applies to the advisory relationship or to anything we do or fail to do as your investment adviser. That relationship is governed by the Investment Advisory Agreement, the duty we owe you under it is a fiduciary duty, and it is not disclaimed, is not capped at any amount, and is not shifted to you by anything on this page. These terms govern your use of the website as a website, and nothing more than that.

16. Changes to the service and to these terms

We may change, pause, or stop any part of the service. We may change these terms. If we make a change that matters to you, we will post the new version here with a new "last updated" date, and, where we have your email address and the change is significant, we will email you. If you keep using the service after a change takes effect, that is your acceptance of it. If you do not accept it, stop using the service and close your account.

17. Ending this agreement

You may stop using the service and close your account at any time, for any reason, by writing to [email protected]. You do not have to give a reason.

We may suspend or close your account at any time if you breach these terms, if we are required to by law or by a regulator, or if we stop offering the service. Where we can, we will give you notice and a way to save what is yours.

Sections that by their nature should survive the end of this agreement do survive it, including sections 11, 13, 14, 15, 18 and 19.

18. Governing law and disputes

These terms are governed by the laws of the State of California, without regard to its conflict of law rules. Ohey Inc is a California corporation and its only place of business is in Pleasanton, California.

The state courts located in Alameda County, California, and the United States District Court for the Northern District of California, are a proper venue for any dispute arising out of or relating to these terms, and you and Ohey Inc each consent to the jurisdiction of those courts. That venue is not exclusive. Nothing in this section limits any right you have to bring a claim in any other forum where the law allows you to bring it.

There is no arbitration clause in these terms, and there is no jury waiver and no class action waiver. We do not require you to arbitrate a dispute, we do not ask you to give up a jury, and we do not ask you to give up the right to take part in a class or representative action.

Nothing in this section limits any right you have to bring a matter to a regulator, and nothing here requires you to give up a forum that the law reserves for you.

19. Other terms

• Whole agreement. These terms, together with the Privacy Policy and the Disclosures page, are the whole agreement between you and us about the site, and they replace anything said before.
• Severability. If a court finds part of these terms unenforceable, the rest stays in force.
• No waiver. If we do not enforce a term straight away, we have not given it up.
• Assignment. You may not transfer these terms to someone else. We may transfer them to a company that takes over our business, on the same terms. This does not reach an investment advisory contract. An investment advisory contract may not be assigned by us without your consent, which is what section 205(a)(2) of the Investment Advisers Act of 1940 requires and what the Investment Advisory Agreement provides, and nothing in this paragraph permits it or is intended to permit it.
• No third party rights. These terms are between you and us only.

20. How to contact us

Write to [email protected]. That address reaches us for questions, complaints, account closure and privacy requests. We aim to reply within five business days.

Investing puts your money at risk and you can lose money, including all of the money you put in.