Terms of Use

1. Eligibility and Accounts

1.1 Eligibility

You may use the Services only if:

• you are at least 18 years old (or the age of majority in your jurisdiction);
• you have the legal capacity to enter into a binding contract; and
• you are not prohibited by applicable law from using the Services.

If you use the Services on behalf of a company or other legal entity, you represent that you are authorized to bind that entity to these Terms. In that case, references to "you" and "your" mean that entity.

1.2 Account Registration and Security

You may need an account to access certain features. You agree to:

• provide accurate, current, and complete information;
• keep your login credentials confidential;
• promptly update your information if it changes;
• notify us immediately at support@riskfloor.ai of any unauthorized use or breach of security.

You are responsible for all activities that occur under your account.

2. Nature of the Services

2.1 Informational and Educational Only

The Services include structured market briefings, journaling tools, personal trading rules, coach mode nudges, post-decision reviews, behavioral insights, and related decision-support outputs. The Services help users organize market information, structure decisions, journal reasoning, define rules, review outcomes, and observe process-related patterns over time.

The Services are intended for informational and educational purposes only and do not constitute investment, trading, tax, or legal advice.

2.2 No Advisory or Brokerage Relationship

RiskFloor does not provide personalized financial advice, trading signals, investment recommendations, trade execution, brokerage services, or portfolio management. Nothing on the Services is an offer, solicitation, or recommendation to buy, sell, or hold any asset or instrument.

RiskFloor is not an investment dealer, adviser, portfolio manager, broker, or tax advisor, and does not operate any trading or brokerage platform. RiskFloor does not hold customer funds or route orders.

The Services do not create any fiduciary relationship or advisor-client relationship between you and RiskFloor. You remain solely responsible for all investment and trading decisions and any associated risks.

2.3 Behavioral Analysis and Self-Review

The Services include features that analyze decision history, journal entries, rule usage, and related activity to surface behavioral insights, process-related patterns, coach mode nudges, and review summaries.

These features are informational and reflective only. They are intended to support personal review and self-awareness in the context of trading decisions. They do not constitute therapy, mental health services, psychological assessment, professional coaching, or any form of regulated advisory service. If you require any such services, you should consult a qualified professional.

3. License and Intellectual Property

3.1 Ownership

RiskFloor and its licensors own all rights, title, and interest in and to the Services and all content, data, graphics, logos, trademarks, and software included in or used to provide the Services ("Service Content").

3.2 Limited License

Subject to your compliance with these Terms, RiskFloor grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services and Service Content for your personal or internal business use only.

You may not:

• copy, modify, create derivative works of, distribute, sell, lease, or sublicense any part of the Services or Service Content;
• reverse engineer, decompile, or attempt to extract source code;
• use the Services or data to build or train a competing product or service;
• share your login with unaffiliated individuals or systematically download data.

3.3 User Content

You retain ownership of your User Content. By submitting User Content to the Services, you grant TradeVista Technologies Inc. a limited, non-exclusive, worldwide, revocable (to the extent practicable), royalty-free license to host, store, process, reproduce, and use that content solely as reasonably necessary to operate, maintain, secure, support, and improve the Services and their expected features.

We do not claim ownership of your User Content.

"User Content" includes journal entries, trading rules, notes, reasoning, outcomes, reviews, and other content you submit through the Services.

You are responsible for ensuring that you have all rights necessary to grant this license.

4. Acceptable Use

You agree not to:

• use the Services for any unlawful purpose or in violation of any applicable law or regulation;
• upload or transmit any harmful, fraudulent, defamatory, obscene, or infringing content;
• attempt to gain unauthorized access to the Services or related systems;
• interfere with or disrupt the operation or security of the Services;
• use any automated means (e.g., bots, scrapers) to access the Services, except as expressly authorized by RiskFloor in writing;
• misrepresent your identity or affiliation with any person or entity.

We may monitor use of the Services and may restrict, suspend, or terminate access for violations of these Terms.

5. Third-Party Services and Links

The Services may link to, or integrate with, third-party websites, products, or services (including data providers, analytics tools, secure payment processing providers, and merchant-of-record partners). RiskFloor does not control and is not responsible for third-party content, policies, or practices.

Your use of third-party services is at your own risk and is governed by their own terms and privacy policies.

Where you authorize us to access third-party accounts or data (for example, via APIs), you grant us permission to access and use such information as reasonably necessary to provide the Services.

6. Subscriptions, Fees, and Payments

6.1 Subscription Plans

Certain features of the Services require a paid subscription or plan. Details regarding current plans, features, and pricing are made available at signup or within your account.

6.2 Billing and Payment Processing

Fees are typically charged in advance for each billing period. Payments may be processed by secure payment processing providers and merchant-of-record partners. Your purchase may also be subject to the terms and policies of those providers.

By providing payment information, you authorize RiskFloor and its secure payment processing providers and merchant-of-record partners to charge all applicable fees, taxes, and charges.

6.3 Auto-Renewal and Cancellation

Unless otherwise stated, subscriptions automatically renew at the end of each billing period at the then-current price. You can cancel auto-renewal at any time through your account settings or by contacting us. Cancellation prevents future renewals but normally does not entitle you to a refund for amounts already paid, except where required by law or explicitly stated otherwise.

6.4 Changes to Fees

We may modify subscription fees and plan structures. We will provide advance notice of any material fee increase, and the change will apply from your next renewal.

6.5 Refunds and Lost Briefings

If you experience a technical issue that results in a lost Market Briefing (for example, the briefing fails to render or returns an error after consuming your weekly allotment), contact support@riskfloor.ai and we will issue a replacement briefing on your account.

Under the EU General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA), you may request deletion of your account and the personal information associated with it at any time. See our Privacy Policy for the full set of rights and how to exercise them.

7. Communications

By creating an account, you consent to receiving transactional communications from RiskFloor related to your account, subscription, and use of the Services (such as billing confirmations, security alerts, and service notices).

Where we send commercial electronic messages such as product updates, newsletters, or promotional communications, we do so in accordance with applicable law, including Canada's Anti-Spam Legislation (CASL). You may withdraw your consent to receiving commercial electronic messages at any time by using the unsubscribe mechanism included in each message or by contacting us directly.

8. Termination and Suspension

RiskFloor may, in its sole discretion and without liability, suspend or terminate your access to all or part of the Services if:

• you breach these Terms or any applicable law;
• your subscription fees are overdue and not remedied;
• we discontinue the Services or any part of them; or
• we believe such action is necessary to protect the Services, our users, or others.

You may stop using the Services at any time and may cancel your subscription as described above.

Upon termination, your right to use the Services will cease, but sections of these Terms that by their nature should survive (including intellectual property, disclaimers, limitations of liability, and indemnity) will remain in effect.

9. Disclaimers

To the maximum extent permitted by law:

• The Services and all Service Content are provided on an "as is" and "as available" basis, without any warranties of any kind, whether express, implied, or statutory.
• RiskFloor specifically disclaims any implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising out of course of dealing or usage of trade.

RiskFloor does not warrant that:

• the Services will be uninterrupted, secure, or error-free;
• defects will be corrected;
• the data or outputs will be accurate, complete, current, or reliable;
• the Services will meet your expectations or requirements.

You are solely responsible for any decisions made based on information or outputs from the Services.

10. Limitation of Liability

To the fullest extent permitted by applicable law:

TradeVista Technologies Inc., its affiliates, directors, officers, employees, contractors, and data providers will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for any loss of profits, revenue, data, or business opportunities, arising out of or related to your use of or inability to use the Services, even if advised of the possibility of such damages.

RiskFloor's total aggregate liability arising out of or related to the Services or these Terms, whether in contract, tort (including negligence), or otherwise, shall not exceed the greater of:

• the total amount you paid to RiskFloor for the Services in the twelve (12) months preceding the event giving rise to the claim, or
• fifty Canadian dollars (CAD $50).

Some jurisdictions do not allow certain exclusions or limitations of liability, so some of the above limitations may not apply to you. In such cases, the limitations will apply to the maximum extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless TradeVista Technologies Inc., its affiliates, and their respective directors, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to:

• your use or misuse of the Services;
• your violation of these Terms or any applicable law;
• your infringement of any third-party right; or
• any content or data submitted through your account.

12. Changes to the Services and Terms

We may modify, suspend, or discontinue all or part of the Services at any time.

We may also update these Terms from time to time. When we make material changes, we will update the "Last updated" date and may provide additional notice (e.g., email or in-app notification). Your continued use of the Services after the effective date of any changes constitutes your acceptance of the updated Terms.

If you do not agree to the changes, you must stop using the Services.

13. Governing Law and Jurisdiction

These Terms, and any dispute or claim arising out of or relating to them or the Services, are governed by and construed in accordance with:

• the laws of the Province of Ontario, and
• the federal laws of Canada applicable therein,

without giving effect to any choice or conflict of law rules.

You agree that the courts located in Toronto, Ontario, Canada will have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the Services, subject to any mandatory protections you may have under applicable consumer law.

14. Miscellaneous

• These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and RiskFloor regarding the Services and supersede any prior agreements.
• If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.
• You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. RiskFloor may assign or transfer its rights and obligations under these Terms freely.
• Our failure to enforce any right or provision of these Terms is not a waiver of such right or provision.
• Section headings are for convenience only and do not affect the interpretation of these Terms.

15. Contact

If you have questions about these Terms or the Services, please contact: