Sharpefolio

Terms of Use

Draft v1.0 — Last Updated 2026-05-07

This document is provided in good faith and reflects our current practices. Pending formal legal review. Material changes will be communicated to users via email and in-app notification.

1. Effective Date

These Terms of Use ("Terms") are effective as of [USER FILL — e.g., 2026-05-15]. We last updated them on [USER FILL — e.g., 2026-05-07]. We will indicate the date of the most recent revision at the top of this document. Material changes are described in §15.

2. Acceptance of Terms

These Terms form a binding contract between you ("you", "user") and Sharpefolio (the "Service", "we", "us", or "our"). By creating an account, signing in, downloading the iOS app, subscribing to a paid plan, or otherwise accessing or using the Service, you confirm that you have read, understood, and agreed to these Terms and to our Privacy Policy (which is incorporated by reference).

If you do not agree to these Terms, your only remedy is to stop using the Service: do not create an account, do not download the iOS app, cancel any subscription, and request deletion of your account under §14. Continued use after a Terms update (see §15) is itself acceptance of the updated Terms.

If you are accepting these Terms on behalf of a company, partnership, trust, or other entity, you represent that you have authority to bind that entity, in which case "you" and "user" mean that entity. The Service is licensed for individual, non-commercial use unless we expressly agree otherwise in writing — see §5.

3. Account Eligibility

You may use the Service only if all of the following are true:

  • Age. You are at least 13 years old. If you live in the European Economic Area, the United Kingdom, or another jurisdiction with a higher minimum digital-consent age, you must meet that higher age (typically 16). The Service is not directed at children, consistent with the U.S. Children's Online Privacy Protection Act ("COPPA").
  • Legal capacity. You have the legal capacity to enter into a binding contract under the laws that apply to you. If you are between the age of digital consent and the age of majority in your jurisdiction, your parent or guardian must agree to these Terms on your behalf.
  • Geographic eligibility. The Service is currently offered to users worldwide except: (a) mainland China is not supported in v1.0 — the iOS app is not distributed on the Chinese App Store, and certain features may not function reliably from mainland China; (b) jurisdictions subject to comprehensive U.S., U.K., or EU sanctions (including but not limited to Cuba, Iran, North Korea, Syria, the Crimea / Donetsk / Luhansk regions, and any country listed on the U.S. OFAC SDN list). You represent that you are not located in, organized under the laws of, or ordinarily resident in such a jurisdiction.
  • No prior ban. You have not previously been banned from the Service or had your account terminated by us for cause under §14.

4. Account Registration & Security

Your responsibilities.

  • Provide accurate, current, and complete information when you register.
  • Keep your password and any OAuth-linked third-party credentials (Google, Apple, GitHub) confidential. Do not share your account or password.
  • One natural person, one account. Multiple accounts created to abuse promo codes, free trials, or invitation funnels (see §7) are a violation of these Terms.
  • Notify us promptly at [email protected] if you suspect unauthorized access, a credential leak, or any security incident affecting your account.
  • You are responsible for all activity that occurs under your account, except to the extent caused by our breach of our security obligations.

Our responsibilities. We implement reasonable, industry-standard security measures (described in Privacy Policy §12), including bcrypt password hashing, HTTPS-everywhere, server-side multi-user isolation enforced by requireUserId, and PKCE for OAuth flows. If you delete your account, we follow the soft-delete process described in Privacy Policy §7, which anonymizes your identity profile within seven (7) days and severs OAuth links. Note that the seven-year retention of de-identified financial transaction records described in Privacy Policy §7 also applies under these Terms — we cannot waive that retention even on user request.

5. Acceptable Use

You agree not to do any of the following, whether directly or through automated means:

  1. Reverse-engineer, decompile, or disassemble the Service or any part of it, except to the extent applicable law expressly prohibits this restriction.
  2. Scrape, crawl, or harvest data from the Service in a manner that exceeds normal human use, including by automated tools, headless browsers, or bypassing rate limits.
  3. Multi-account abuse — create multiple accounts to obtain trial credit more than once, redeem promo codes you are not entitled to, manipulate referral or invitation funnels, or evade a prior account termination.
  4. Upload financial data that is not yours to track or analyze on behalf of someone else without their explicit authorization. The Service is for tracking your own portfolio.
  5. Use the Service for unauthorized commercial purposes, such as reselling our analytics output, redistributing market data we have licensed from third parties (Yahoo Finance, FRED, Polygon, NewsAPI, etc.), embedding our outputs in another product, or operating a "white-label" copy. Personal use, including showing your own dashboard to a personal financial professional, is allowed.
  6. Interfere with or disrupt the Service, our servers, or networks, including by introducing malware, executing denial-of-service attacks, or attempting unauthorized access to other users' data.
  7. Probe, scan, or test the vulnerability of the Service without our prior written consent, except through a coordinated security disclosure to [email protected] (we welcome responsible disclosures).
  8. Violate any law or third-party right (including intellectual property, privacy, contract, and securities laws) in connection with your use of the Service.
  9. Misrepresent yourself as a Sharpefolio employee, agent, or affiliate, or impersonate any other person.
  10. Use the Service to facilitate market manipulation, insider trading, or any unlawful trading activity. The Service is a record-keeping and analytics tool; do not use it as part of a scheme to manipulate prices or trade on material non-public information.
  11. Submit content (RSS feeds, custom news sources, notes) that infringes copyright or other intellectual property rights — see §10 (DMCA).
  12. Attempt to identify or de-anonymize other users from any data accessible through the Service (e.g., aggregated leaderboards or shared community features, if introduced).

We may suspend or terminate accounts that violate this section without prior notice — see §14.

6. No Investment Advice — Important Disclaimer

This section is the most important provision of these Terms. Read it carefully.

Sharpefolio is a portfolio tracking and analytics tool. Sharpefolio is NOT:

  • a registered broker-dealer,
  • a registered investment adviser ("RIA"),
  • a Commodity Trading Advisor ("CTA"),
  • a Commodity Pool Operator ("CPO"),
  • a Certified Financial Planner ("CFP"),
  • a tax adviser, accountant, or attorney,
  • a fiduciary of any kind, or
  • in any other capacity authorized by U.S. federal or state law, U.K. FCA, EU MiFID II, or any other regime to provide personalized investment advice or recommendations.

The operator of Sharpefolio may, in the future, become a registered investment adviser (e.g., upon completion of the FINRA Series 65 examination and applicable state registration). Until such registration is completed and publicly disclosed on this page, no individual associated with the Service is authorized to render personalized investment advice through the Service. The Service must be used on the assumption that no such advisory relationship exists.

All information provided through the Service — including but not limited to portfolio analytics, factor analysis, style classifications, options analytics (Greeks, implied volatility cones, implied moves, what-if scenarios), backtests, rebalancing suggestions, AI-generated commentary (such as TradingAgents multi-agent reports), news summaries, calendar events, dividend forecasts, and any chart, ranking, score, or written narrative — is provided for informational, educational, and record-keeping purposes only. Such information does not constitute investment advice, a recommendation to buy, sell, or hold any security, an offer or solicitation to engage in any transaction, tax advice, legal advice, or a fiduciary obligation of any kind.

You are solely responsible for your investment decisions. Before making any investment decision, you should consult a qualified, licensed professional who is familiar with your personal financial situation, risk tolerance, tax situation, and investment objectives.

Past performance does not guarantee future results. Backtests and historical analytics displayed in the Service are based on historical data, may contain errors or look-ahead bias, and are not predictive of future returns.

AI-generated content (including but not limited to TradingAgents reports, news summaries, and any feature labeled "AI Analysis") is computer-generated commentary based on public information and large-language-model output. It may be inaccurate, incomplete, biased, hallucinated, or stale. It is not professional advice and must not be relied upon as such. We make no warranty as to its accuracy and disclaim all liability for losses arising from any user's reliance on AI-generated output.

Market data displayed in the Service is sourced from third parties (Yahoo Finance, FRED, SEC EDGAR, Alpha Vantage, NewsAPI, Polymarket, and similar providers). Prices may be delayed, missing, or incorrect. The Service is not a real-time trading or market-data terminal and must not be used as one.

No guarantee of returns. Nothing in the Service represents that you will achieve any particular return, that any strategy is "safe", or that any analytics output reduces investment risk. All investing involves risk, including the risk of loss of principal.

By using the Service, you acknowledge that you have read this section, that you understand the risks of investing, and that you accept full responsibility for any decisions you make in reliance on, or in connection with, the Service.

7. Subscription, Billing, & Refunds

7.1 Plans and pricing. The Service offers a free tier (subject to feature limits) and a paid "Pro" tier. As of the date of these Terms, Pro pricing is:

  • Pro Monthly — US$9.99 per month (or local-currency equivalent set by Apple's pricing tiers on iOS).
  • Pro Annual — US$99.99 per year (or local-currency equivalent).
  • 7-day free trial is offered to first-time subscribers via Apple's Introductory Offer (iOS) and Stripe trial (web).

Prices may change as described in §7.6.

7.2 Payment processors. Subscriptions are processed by one of two payment providers depending on where you subscribe:

  • Web subscriptions are processed by Stripe, Inc. under Stripe's terms of service. Card data is entered directly into Stripe and never reaches our servers.
  • iOS subscriptions are processed as in-app purchases by Apple Inc. under Apple's Media Services Terms and Conditions. Subscription state on iOS is mediated by RevenueCat, Inc. for our internal accounting. Apple — not Sharpefolio — handles iOS payments, refunds, and family-sharing logic.

You agree to the additional terms of whichever processor handles your transaction.

7.3 Auto-renewal — Apple required disclosure.

Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. Your payment method (Apple ID for iOS, or the card on file for web) will be charged for renewal within 24 hours prior to the end of each period at the then-current price for the same plan. You can manage and cancel your subscription at any time:

  • iOS: Open the Settings app on your device → tap your Apple ID at the top → Subscriptions → select Sharpefolio → Cancel Subscription.
  • Web: Sign in at https://sharpefolio.io and go to Settings → Subscription → Manage Plan, which redirects to the Stripe billing portal.

Cancellation takes effect at the end of the current paid period; you will continue to have Pro access until then. No partial refunds are issued for the unused portion of a paid period, except as required by §7.4 or applicable law.

7.4 Refunds.

  • Apple iOS purchases: All refund requests must be submitted to Apple at https://reportaproblem.apple.com. Sharpefolio does not have the authority to issue refunds for iOS in-app purchases. Apple grants or denies refunds at its sole discretion.
  • Stripe (web) purchases: Charges are non-refundable once the paid period has begun, except (a) where required by applicable consumer-protection law, (b) in cases of duplicate or erroneous charges, or (c) at our sole discretion for goodwill cases. To request a goodwill refund, email [email protected] within 7 days of the charge. To prevent the next renewal, cancel via the steps in §7.3 — this stops future charges and is the recommended path for users who no longer wish to subscribe.
  • EU 14-day cooling-off period: If you are a consumer resident in the European Union, the United Kingdom, or another jurisdiction with an equivalent right, you have a statutory right to withdraw from the contract within fourteen (14) days of the start of the subscription, with no reason required. However, by starting to use Pro features (which are made available immediately upon subscription), you expressly request that performance of the contract begin during the cooling-off period and acknowledge that you lose your right of withdrawal once the digital service has been fully provided with your prior express consent. To withdraw within the cooling-off period and before substantive use, email [email protected] with the subject line "EU withdrawal — [your account email]" within 14 days of the initial charge. We will refund the charge less any verified usage where local law permits.

7.5 Promotional codes. From time to time we issue promo codes that grant a free period (typically one month of Pro). Promo codes are limited to one redemption per user, are non-transferable, have no cash value, and may not be combined with other offers. The promotional one-month redemption replaces our prior "invite 5 friends = 30 days free" funnel. Multi-account abuse to obtain repeated promo redemptions is a violation of §5 and grounds for termination.

7.6 Price changes. We may change subscription prices. For material price increases affecting an existing subscription, we will provide at least 30 days' advance notice via email and in-app notice. The new price will apply to the next renewal after the notice period; you may cancel before the new price takes effect to avoid the increase. Promotional or trial pricing is by definition temporary and may revert to standard pricing without separate notice.

7.7 Taxes. Listed prices are exclusive of applicable sales tax, VAT, GST, or similar taxes, which will be added at checkout where required by law. On iOS, Apple handles tax collection and remittance for in-app purchases.

8. Tiger Broker Integration — v1.0 Limitation

At v1.0, automatic synchronization of positions and trades from Tiger Brokers (Tiger Open API) is available only to the platform operator's own account. Other users cannot connect a Tiger account at v1.0; broker credentials for ordinary users are not stored. To track your portfolio, please:

  • Enter positions manually through the in-app form, or
  • Import positions and trades via CSV upload (template provided in the app).

This limitation exists because secure multi-tenant storage of broker API credentials requires additional security review and operational controls (per-user secret rotation, broker-side compliance review, KYC alignment, etc.) that are on our roadmap but not in scope for v1.0. Cross-reference: Privacy Policy §3.2 and §6 (Tiger row of the recipients table).

We will update these Terms and the Privacy Policy before rolling broker connectivity out to additional users. Until then, references in marketing materials to "broker sync" should be understood as describing the operator's own setup and the manual / CSV alternatives.

9. User Content

9.1 What is user content. "User Content" means any data, text, or files you input into the Service, including positions, trades, dividends, option lots, custom RSS feed URLs, custom news source URLs, trade plans, notes, tags, watchlists, and any other content you submit.

9.2 Ownership. You retain all ownership rights in your User Content. Nothing in these Terms transfers ownership of your User Content to us.

9.3 License you grant to us. You grant Sharpefolio a worldwide, non-exclusive, royalty-free license to host, store, copy, transmit, display, and process your User Content solely for the purpose of operating the Service for you — for example, computing analytics over your positions, displaying your dashboard back to you, generating snapshots, and producing AI analysis you have requested. This license terminates when you delete the relevant User Content or your account, except for (a) the seven-year retention of de-identified financial records described in Privacy Policy §7, and (b) backup copies in the ordinary course of operations (purged within 35 days).

9.4 Your representations. You represent and warrant that (a) you own or have the necessary rights to your User Content, (b) your User Content does not infringe any third party's intellectual property, privacy, publicity, contract, or other right, and (c) your User Content complies with §5 (Acceptable Use).

9.5 No public sharing by default. v1.0 does not include public sharing of portfolios. If we add such features (e.g., shareable performance cards, public profiles), they will be opt-in and governed by an additional notice.

10. DMCA Notice & Takedown (United States)

Note: This section provides a notice procedure under the U.S. Digital Millennium Copyright Act (17 U.S.C. §512). It applies only to copyright complaints under U.S. law. Users outside the U.S. with intellectual-property complaints should contact us at the same email and we will handle the matter under applicable local law.

If you believe that User Content accessible through the Service (such as a custom RSS feed or news source URL submitted by another user) infringes your copyright, please send a written notice to our designated agent containing:

  1. A physical or electronic signature of the copyright owner or authorized agent;
  2. Identification of the copyrighted work claimed to have been infringed;
  3. Identification of the allegedly infringing material and information reasonably sufficient to permit us to locate it (URL, screenshot, etc.);
  4. Your contact information (address, telephone number, email);
  5. A statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and
  6. A statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on behalf of the owner.

Designated Agent for DMCA notices:

  • Name: [USER FILL — e.g., "Sharpefolio DMCA Agent" or operator's full legal name]
  • Email: [email protected] (subject line: "DMCA Notice")
  • Postal address: [USER FILL — physical mailing address required by 17 U.S.C. §512(c)(2); P.O. box acceptable for sole proprietors]
  • DMCA Agent registration: [USER FILL — register the agent with the U.S. Copyright Office at https://dmca.copyright.gov before launch; the registration is required for safe-harbor protection]

If we receive a valid DMCA notice, we will remove or disable access to the allegedly infringing material and notify the user who submitted it. The user may submit a counter-notice containing items 1, 4, and 6 above, plus identification of the removed material and a statement under penalty of perjury that the user has a good-faith belief that the material was removed as a result of mistake or misidentification. We will reinstate the material 10–14 business days after a valid counter-notice unless the original complainant files a court action.

Repeat-infringer policy. We will terminate, in appropriate circumstances, the accounts of users who are repeat infringers.

11. Intellectual Property

11.1 Our IP. The Service — including the Sharpefolio name and logo, our software (front-end, back-end, mobile), our user interface, our analytics outputs (charts, factor scores, style classifications, options analytics, generated reports), our documentation, and any improvements or derivative works — is owned by Sharpefolio and our licensors and is protected by copyright, trademark, trade-secret, and other intellectual-property laws. Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial use.

11.2 Your IP. You retain ownership of your User Content, subject to the license in §9.3.

11.3 AI-generated content. Output produced by AI features (TradingAgents reports, AI summaries, etc.) is computer-generated. We make no claim of human authorship over AI output and do not assert copyright in it. To the extent any rights arise in AI output you generate through the Service, those rights — to the extent they exist under applicable law — are licensed to you for personal, non-commercial use, and licensed to us under §9.3 for the purpose of operating the Service.

11.4 Feedback. If you send us suggestions, feedback, or ideas about the Service, we may use them without obligation to you. You grant us a perpetual, irrevocable, royalty-free license to use any such feedback for any purpose.

11.5 Trademarks. "Sharpefolio" and our logo are our trademarks. You may not use them without our prior written consent, except for ordinary nominative reference (e.g., "I use Sharpefolio").

12. Disclaimers & Limitation of Liability

THE FOLLOWING SECTION LIMITS OUR LIABILITY TO YOU. READ IT CAREFULLY. IT APPLIES TO THE MAXIMUM EXTENT PERMITTED BY LAW.

12.1 "AS IS" disclaimer. The Service is provided "AS IS" and "AS AVAILABLE", with all faults and without warranty of any kind. To the maximum extent permitted by law, we disclaim all warranties, express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, timeliness, and any warranty arising out of course of dealing or usage of trade.

12.2 No data warranty. Market data, fundamental data, news, and economic series displayed in the Service are sourced from third parties (Yahoo Finance, FRED, SEC EDGAR, Alpha Vantage, NewsAPI, Polymarket, Tiger Brokers API, and similar). We do not guarantee the accuracy, completeness, or timeliness of any such data. The Service may experience outages, delays, or data errors that affect the figures displayed. Always cross-reference critical figures with your broker or another authoritative source before acting on them.

12.3 Excluded damages. To the maximum extent permitted by law, in no event will Sharpefolio, its operator, employees, contractors, or affiliates be liable for any indirect, consequential, incidental, special, exemplary, or punitive damages, including but not limited to (a) lost profits, (b) lost trading opportunities (including, for the avoidance of doubt, any loss alleged to result from the Service being unavailable, slow, or displaying inaccurate data during a market move, market crash, or other event), (c) lost data, (d) reputational harm, or (e) substitute goods or services — even if we have been advised of the possibility of such damages.

12.4 Liability cap. To the maximum extent permitted by law, our total cumulative liability arising out of or relating to these Terms or the Service, regardless of the form of action (contract, tort, statute, or otherwise), will not exceed the greater of (a) US$100 or (b) the total amount you actually paid Sharpefolio for the Service in the twelve (12) months immediately preceding the event giving rise to the claim.

12.5 Statutory carve-outs. Some jurisdictions do not allow exclusion of certain warranties or limitation of certain damages. To that extent, the exclusions and limitations in §12.1–§12.4 apply only to the maximum extent permitted by law. Nothing in these Terms is intended to (and nothing does) exclude or limit our liability for: (a) gross negligence or willful misconduct, (b) fraud or fraudulent misrepresentation, (c) death or personal injury caused by our negligence, or (d) any other liability that cannot be excluded by applicable law (including certain liabilities under California Civil Code §1668, EU consumer-protection law, or U.K. unfair-contract-terms law).

12.6 Allocation of risk. You acknowledge that the limitations in this §12 are a fundamental basis of the bargain between you and us, that our subscription pricing reflects this allocation of risk, and that we would not provide the Service without these limitations.

13. Indemnification

You agree, to the maximum extent permitted by law, to defend, indemnify, and hold harmless Sharpefolio and its operator, employees, contractors, affiliates, and licensors from and against any third-party claims, demands, suits, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

  1. Your use or misuse of the Service;
  2. Your investment decisions, regardless of whether you reviewed analytics or AI output in the Service in connection with those decisions;
  3. Your User Content, including any claim that User Content infringes a third party's rights;
  4. Your violation of these Terms, including §5 (Acceptable Use);
  5. Your violation of any law or third-party right; or
  6. Any dispute between you and another user.

We reserve the right, at our own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you will cooperate in asserting available defenses. You will not settle any matter affecting our rights without our prior written consent.

14. Governing Law & Dispute Resolution

Read §14.3 carefully — it requires most disputes to be resolved by individual binding arbitration and waives your right to participate in class actions, with limited exceptions. You may opt out within 30 days of accepting these Terms (see §14.6).

14.1 Governing law. These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of [USER FILL — e.g., Delaware / California / Nevada — typically the operator's state of formation or principal place of business], United States, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

14.2 Informal resolution first. Before initiating any formal proceeding, you agree to first contact us at [email protected] with a description of the dispute and the relief you are seeking. We will work in good faith to resolve the dispute informally for at least thirty (30) days before either party may proceed under §14.3.

14.3 Binding arbitration. Except for the carve-outs in §14.4, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration, administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (or, at your election, JAMS under its Streamlined Arbitration Rules). The arbitration will be conducted by a single neutral arbitrator. The seat of arbitration is [USER FILL — typically same as governing-law state, e.g., Wilmington, Delaware]. Hearings, if any, may be held remotely. Judgment on the award may be entered in any court of competent jurisdiction.

14.4 Carve-outs. The following are not subject to arbitration and may be brought in court:

  • Claims that qualify for small-claims court in the jurisdiction where you reside, if brought there on an individual basis;
  • Claims for temporary or permanent injunctive relief to protect intellectual property, trade secrets, or unauthorized access (either party may seek this in a court of competent jurisdiction); and
  • Any other claim that, under applicable law, cannot be required to be arbitrated.

14.5 Class-action waiver. You and we each agree that any dispute will be resolved on an individual basis only. Neither you nor we may bring a claim as a plaintiff or class member in a class, collective, consolidated, or representative action. The arbitrator may not consolidate claims of more than one person and may not preside over any form of representative or class proceeding. If this class-action waiver is held unenforceable as to any claim, that claim will be severed and brought in court; the rest of §14.3 (arbitration) will remain in force for all other claims.

14.6 30-day opt-out. You may opt out of §14.3 (binding arbitration) and §14.5 (class-action waiver) by sending written notice to [email protected] with the subject line "Arbitration Opt-Out — [your account email]" within 30 days of first accepting these Terms. If you opt out, disputes will be resolved exclusively in the state or federal courts located in [USER FILL — same governing-law state], and you and we each consent to personal jurisdiction there.

14.7 Jurisdictional carve-outs. If you are a consumer resident in the European Union, the United Kingdom, Switzerland, or another jurisdiction whose law prohibits or restricts mandatory pre-dispute arbitration of consumer claims, §14.3 and §14.5 do not apply to you to the extent prohibited by your local law. In that case, disputes may be brought in the courts of your country of residence under your local consumer-protection law, and the mandatory provisions of that law take precedence over the choice of law in §14.1 to the extent required.

14.8 Statute of limitations. Any claim arising out of or relating to these Terms or the Service must be brought within one (1) year after it arises, or it is permanently barred, except where applicable law prohibits a shorter limitation period than the statutory default.

15. Termination

15.1 Termination by you. You may stop using the Service and delete your account at any time. To delete your account, use Settings → Account → Delete Account in the app, or email [email protected]. The soft-delete process is described in Privacy Policy §7. Cancelling a paid subscription does not by itself delete your account; if you also want your account deleted, request both.

15.2 Termination by us. We may suspend or terminate your account, with or without notice and at our discretion, if (a) you materially breach these Terms (including §5 Acceptable Use, §6 implications of misuse, §10 repeat copyright infringement), (b) we are legally required to do so, (c) your subscription payment fails and you do not cure within a reasonable cure period, (d) we reasonably suspect fraud or abusive behavior, or (e) we discontinue the Service or a major feature (in which case we will provide reasonable advance notice when feasible).

15.3 Effect of termination. Upon termination: (a) your right to access the Service ends; (b) any unused portion of a paid subscription is non-refundable except as required by §7.4 or applicable law; (c) data is handled per Privacy Policy §7 (soft-delete + 7-year retention of de-identified financial records); and (d) sections that by their nature should survive termination — including §§6 (No Investment Advice), 9.3 (License you granted), 11 (IP), 12 (Disclaimers / Limitation of Liability), 13 (Indemnification), 14 (Governing Law / Dispute Resolution), this §15.3, and §17 (Miscellaneous) — survive.

16. Modifications

We may update these Terms from time to time. The "Last Updated" date at the top reflects the most recent revision. For material changes — such as a change to subscription pricing, dispute resolution, governing law, or a new substantial restriction on use — we will provide at least 30 days' advance notice via email and via an in-app banner before the changes take effect. For minor or clarifying changes, the updated Terms take effect upon posting. Continued use of the Service after the effective date of an updated version of these Terms constitutes acceptance of the updated Terms. If you do not agree, you may stop using the Service and request deletion of your account at any time.

17. Miscellaneous

  • Entire agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede any prior agreements.
  • Severability. If any provision is held invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be modified, and the remaining provisions remain in full force.
  • No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.
  • Assignment. You may not assign these Terms or your account. We may assign these Terms in connection with a merger, acquisition, financing, or reorganization on at least 30 days' notice; the assignee will be bound by terms at least as protective as these.
  • Force majeure. Neither party is liable for failure or delay caused by events beyond its reasonable control (natural disasters, war, terrorism, pandemics, acts of government, internet or hosting outages, market-data-provider outages, etc.).
  • Independent contractors. Nothing in these Terms creates a partnership, agency, employment, or joint-venture relationship between you and us.
  • No third-party beneficiaries, except that Apple Inc. is an intended third-party beneficiary of these Terms with the right to enforce these Terms as they relate to your use of the iOS app, consistent with Apple's Schedule 2 to the Paid Applications Agreement.
  • Notices. Notices to you are sent to your registered email; notices to us must be sent to [email protected] and, where postal notice is required, to the address in §18.
  • Language. These Terms are written in English. Translations (including the Simplified Chinese version below) are provided for convenience only; in case of conflict, the English version controls.

18. Contact Us

For questions about these Terms, refund requests outside the iOS App Store flow, or DMCA matters:

  • Email: [email protected]
  • Postal address: [USER FILL — physical mailing address; required for DMCA agent registration]
  • Operating entity: [USER FILL — full legal name of operator or registered business entity]