Terms of Service

Last updated: April 30, 2026 · Version 1.0

1. Acceptance

By creating an account or using TradingJournals AI ("the Service"), you agree to these Terms of Service. If you don't agree, don't use the Service.

2. Eligibility

You must be at least 18 years old and legally able to enter into a contract in your jurisdiction. By using the Service, you represent that you meet these requirements.

3. Your account

• One human, one account. Don't share login credentials.
• You are responsible for all activity on your account.
• Notify us immediately if you suspect unauthorised access.
• We may suspend or terminate accounts that violate these terms with or without notice.

4. Acceptable use

You agree NOT to:

• Use the Service to defraud or mislead others
• Attempt to access another user's data
• Reverse-engineer, decompile, or scrape the Service
• Use the Service to violate any third party's rights or terms (including your prop firm's terms)
• Run automated scripts that bypass rate limits
• Use the AI to generate content that is illegal, harmful, or violates Google/Anthropic's usage policies
• Resell, sublicense, or commercially distribute the Service

5. Trading is at your own risk

The Service is a trading journal and analytics tool. It is NOT financial advice, investment advice, or trade execution guidance.

• The AI Coach generates suggestions based on patterns in your data and current market structure. Suggestions are informational only. You are responsible for every trade you place.
• Trading carries risk of substantial loss. Past performance doesn't predict future results. Markets can move against any analysis.
• Live trade execution features place real orders on your account when you click them. Always verify before confirming.
• You agree to use the live execution features only with your own broker accounts and only with capital you can afford to lose.
• We are not registered as a broker, investment advisor, or financial advisor. Nothing in the Service constitutes a regulated financial recommendation.

6. Prop-firm relationships

If you use the Service with a prop-firm account (FTMO, FundedNext, Topstep, etc.):

• You are responsible for ensuring your use of the Service complies with your prop firm's terms.
• The Service is a personal trading journal. We do not represent or partner with any prop firm.
• Rule trackers (Best Day Rule, daily loss limits, etc.) are computed from public information. They are estimates — your prop firm's official metrics are authoritative.

7. Subscription and billing

• Plans: Free, Pro ($19/mo), Power ($49/mo). Billing handled by Stripe.
• Paid plans auto-renew until cancelled. Cancel anytime in account settings.
• 14-day money-back guarantee: full refund within 14 days of first paid charge, no questions asked.
• After 14 days, cancellation stops future charges; past charges aren't refunded.
• If a payment fails, you'll have 7 days to update payment before access is restricted.
• Prices may change with at least 30 days' notice; price changes don't affect your current billing period.

8. Intellectual property

• You own your trade data, your notes, your screenshots — anything you create or upload.
• We own the Service software, the AI prompts and logic, the brand, and the design.
• You grant us a limited license to process your data to provide the Service. We don't claim ownership.
• By submitting feedback or feature requests, you grant us a perpetual license to use that feedback to improve the Service. We're not obligated to implement anything.

9. Service availability

We aim for high availability but make no SLA guarantees on the Free plan. Pro and Power users get best-effort 99.5% uptime. We may take the Service offline for maintenance with notice when possible.

10. Third-party services

The Service depends on third parties (Google Cloud, Stripe, Gemini, etc.). Outages or changes to those services may temporarily impact the Service. We are not liable for third-party failures.

11. Disclaimers

The Service is provided "AS IS" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that:

• The Service will be uninterrupted or error-free
• AI recommendations will be profitable or accurate
• Trade executions will succeed under all market conditions
• The Service is suitable for any specific investment goal

12. Limitation of liability

To the maximum extent permitted by law, our total liability to you for any claim arising out of or related to the Service is limited to the greater of (a) the amount you paid us in the 12 months before the claim, or (b) USD 100. We are not liable for indirect, consequential, or trading-loss damages.

13. Indemnification

You agree to indemnify us against any claim, loss, or expense arising from your use of the Service, your trades, or your violation of these terms or any law.

14. Termination

You may terminate at any time from settings. We may terminate your account for material breach of these terms. On termination, you can export your data within 30 days; after that, it's permanently deleted.

15. Governing law

These terms are governed by the laws of [YOUR JURISDICTION], without regard to conflict-of-law principles. Disputes are resolved in the courts of [YOUR CITY/COUNTY].

16. Changes to these terms

We may update these terms. Material changes will be emailed to active users with at least 14 days' notice. Continued use after the effective date constitutes acceptance.

17. Contact

Questions about these terms: legal@tradingjournalsai.com
General questions: hello@tradingjournalsai.com

This is a starting template. Replace bracketed placeholders ([YOUR JURISDICTION], [YOUR CITY/COUNTY]) with your actual details. Have a lawyer review this before going live. Standard SaaS template — covers the basics, but every business has nuances.