Terms of Service. Plain English.

1. Who we are

TraderPeak is operated by [FIRMA: nazwa], with registered office at [ADRES], Poland, tax ID (NIP) [NIP] ("TraderPeak", "we", "us"). You can reach us at [EMAIL_KONTAKT].

2. What the service is

TraderPeak is a market-intelligence SaaS: screeners, smart-money cluster detection, ML forecasts, an AI research co-pilot, watchlists, alerts, and a conviction journal. The service is non-custodial — we never hold your funds or securities. Optional broker connections use API keys you generate and control.

3. No investment advice

Everything TraderPeak shows you — scores, forecasts, clusters, model outputs, community content — is information and tooling, not investment advice within the meaning of applicable law. We do not know your situation, objectives, or risk tolerance, and nothing on the platform is a personal recommendation to buy or sell any instrument. Investment decisions are yours alone.

4. Accounts

You must provide a valid email address and keep your credentials confidential. You must be at least 18 years old and legally capable of entering contracts. One person may not operate accounts on behalf of others without authorization. We may suspend accounts that abuse the service or these terms.

5. Subscriptions, trials, billing

• Paid plans (Trader / Pro / Elite) are billed via Stripe. Prices are shown before checkout; taxes (including Polish/EU VAT) are added where applicable.
• Where a trial is offered, it converts to a paid subscription at the end of the trial unless you cancel first. We email a reminder before the trial ends.
• Subscriptions renew automatically at the end of each billing period. You can cancel in one click in Settings → Billing; access continues until the end of the paid period.
• Cancellations within the first 14 days of a paid plan receive a prorated refund of the unused portion to the original payment method (see Our promise).
• We email you at least 14 days before any annual renewal and before any price change affecting your subscription.

6. Market data

Quotes, fundamentals, filings, and news come from third-party vendors and may be delayed, incomplete, or wrong. We do not guarantee accuracy, timeliness, or availability of any data point. Always verify prices with your broker before trading.

7. Acceptable use

You agree not to: scrape or bulk-export the service, resell or redistribute our data or signals, probe or disrupt our infrastructure, upload unlawful content, or use the service to manipulate markets. Automated access outside the documented API is prohibited.

8. Intellectual property

The platform, models, design, and content are our property or our licensors'. You get a personal, non-transferable, revocable license to use the service while your account is active. Your own content (journal entries, community posts) stays yours; you grant us a license to display it within the service.

9. Liability

To the maximum extent permitted by law: the service is provided "as is"; we are not liable for investment losses, lost profits, or decisions made on the basis of platform data. Our aggregate liability is capped at the amount you paid us in the 12 months preceding the claim. Nothing in these terms excludes liability that cannot be excluded under Polish law, including liability for willful misconduct or, for consumers, rights under mandatory consumer-protection provisions.

10. Termination

You can delete your account at any time in Settings. We may terminate or suspend access for material breach of these terms, with notice where practicable. On termination, your right to use the service ends; billing data is retained as required by tax law (see Privacy policy).

11. Governing law

These terms are governed by the laws of Poland. Disputes go to the courts competent for our registered office, unless mandatory consumer law gives you the right to sue in your place of residence. EU consumers may also use the European Commission's ODR platform.

12. Changes

We may update these terms; material changes are announced by email or in-app notice at least 14 days in advance. Continued use after the effective date means acceptance.