Terms and Conditions

1. Acceptance of Terms

By creating an account, accessing, or using the Trade and Track platform ("Service"), you agree to comply with and be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Service.

These Terms apply to all users, including visitors, registered users, and any other individuals who access the Service.

3. Service Description

Our Service provides:

• Portfolio Tracking: Monitor your stock holdings, transactions, and performance
• Market Data: Real-time and historical stock prices and information
• AI Analysis: AI-powered insights and suggestions about your portfolio
• Analytics: Charts, reports, and performance metrics
• Alerts: Price and portfolio notifications

We do NOT:

• Execute trades or transactions on your behalf
• Hold, custody, or have access to your actual investment accounts
• Provide brokerage or custody services
• Act as a registered investment advisor or broker-dealer

4. User Account and Registration

4.1 Account Requirements

• You must be at least 18 years old to create an account
• You must provide accurate, current, and complete information
• You are responsible for maintaining the confidentiality of your password
• You are responsible for all activities that occur under your account

4.2 Account Security

• Choose a strong, unique password
• Do not share your account credentials with others
• Notify us immediately of any unauthorized access or security breach
• You are liable for any unauthorized use of your account

4.3 Account Termination

We reserve the right to suspend or terminate your account at any time for:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Any other reason at our discretion

5. User Responsibilities and Conduct

5.1 Data Accuracy

You are responsible for:

• Entering accurate portfolio and transaction data
• Maintaining up-to-date information
• Verifying all data before relying on analytics or reports
• Any errors or losses resulting from inaccurate data entry

5.2 Prohibited Activities

You agree NOT to:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to our systems or other users' accounts
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated systems (bots, scrapers) without permission
• Interfere with or disrupt the Service or servers
• Upload viruses, malware, or malicious code
• Impersonate another person or entity
• Harass, abuse, or harm other users
• Sell, transfer, or sublicense your account

6. Intellectual Property Rights

6.1 Our Property

The Service, including all content, features, functionality, software, code, design, graphics, and logos, is owned by us and protected by copyright, trademark, and other intellectual property laws.

6.2 Your Data

You retain ownership of your portfolio data and personal information. By using the Service, you grant us a limited license to:

• Store and process your data to provide the Service
• Use your data to generate AI-powered insights and recommendations
• Create aggregated, anonymized analytics (no personal identification)

6.3 Restrictions

You may not copy, reproduce, distribute, modify, create derivative works, publicly display, or exploit any part of the Service without our written permission.

7. Third-Party Services and Data

7.1 Market Data Providers

We use third-party APIs (Alpha Vantage, Finnhub, etc.) for market data. These providers:

• Have their own terms of service and limitations
• May experience delays, outages, or inaccuracies
• Are not under our control

7.2 AI Service Providers

Our AI adviser uses third-party AI models (OpenAI, Anthropic, etc.). These services have their own terms and limitations.

7.3 No Endorsement

Reference to third-party services does not imply endorsement. We are not responsible for their content, accuracy, or practices.

8. Disclaimers and Limitations of Liability

8.1 "AS IS" Service

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of accuracy, reliability, or completeness
• Warranties of uninterrupted or error-free operation

8.2 Data Accuracy

We do not guarantee:

• The accuracy, completeness, or timeliness of market data
• The correctness of calculations, analytics, or AI-generated advice
• That the Service will meet your specific requirements
• That defects will be corrected

8.3 Limitation of Liability

9. Indemnification

You agree to indemnify, defend, and hold harmless us, our officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including legal fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your investment decisions or losses
• Any content you submit or upload

10. Service Availability and Modifications

10.1 Availability

We strive to provide reliable service but do not guarantee:

• Uninterrupted or error-free access
• That the Service will be available at all times
• That defects will be corrected promptly

10.2 Modifications

We reserve the right to:

• Modify, suspend, or discontinue any part of the Service at any time
• Change features, functionality, or pricing
• Impose usage limits or restrictions

We will provide reasonable notice of significant changes when possible.

11. Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your information.

11.1 Data Security

While we implement security measures, you acknowledge that:

• No internet transmission is completely secure
• We cannot guarantee absolute security of your data
• You use the Service at your own risk

12. Fees and Payment (If Applicable)

Currently, our Service is provided free of charge. If we introduce paid features in the future:

• We will provide clear pricing information and obtain your consent
• You agree to pay all applicable fees
• All fees are non-refundable unless otherwise stated
• We may change pricing with advance notice

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to conflict of law principles.

13.2 Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through:

1. Informal Resolution: First, contact us to attempt good-faith resolution
2. Binding Arbitration: If informal resolution fails, disputes will be settled by binding arbitration
3. Class Action Waiver: You agree to bring claims individually, not as part of a class action

13.3 Jurisdiction

You consent to the exclusive jurisdiction and venue of courts in [Your Jurisdiction] for any disputes not subject to arbitration.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements and understandings.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Updating the "Last Updated" date at the top of this page
• Sending email notifications to registered users
• Displaying a prominent notice on the platform

Your continued use of the Service after changes constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service and delete your account.

17. Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to:

• Acts of God, natural disasters, pandemics
• War, terrorism, civil unrest
• Government actions or regulations
• Internet or telecommunications failures
• Third-party service provider outages