Template — not a live operator publication. Bracketed fields (legal entity, VAT/UID, emails, official domain) are not production values. Do not paste this URL into App Store Connect or Play Console until those fields are replaced and this notice is gone.
Terms of Service
These Terms of Service (“Terms”) govern your access to and use of the TradeAcademy mobile application and related services (the “Service”). By creating an account, tapping accept, or using cloud features of the Service, you agree to these Terms and our Privacy Policy, Risk & Investment Disclaimer, and Account Deletion Notice. Exploring Guest/demo mode remains subject to the educational and risk notices shown in the app.
This document is a compliance-oriented template. Bracketed fields are not production values. Have Swiss, EU/EEA, and U.S. counsel review these Terms (including the legal entity name, VAT/UID, and consumer-law adaptations) before production launch. Mandatory consumer protections in your country of residence that cannot be waived remain unaffected.
1. Eligibility and age layers
Downloading the app or exploring Guest/demo mode does not require you to be 18.
You must be at least 18 years old, or the age of majority in your jurisdiction, to create an account or purchase a subscription, and you must be legally able to enter a binding contract.
Store content rating is separate. Apple 4+ / Google Play Everyone ratings describe content suitability. They do not mean a person under 18 may open a cloud account, purchase Premium, or treat TradeAcademy as authorisation to trade.
The Service is an educational trading-education and simulated-practice platform for a general audience. It is not directed toward young children. You may not use cloud account features if applicable sanctions or export laws prohibit you from doing so.
2. Nature of the Service (critical)
TradeAcademy provides trading education, simulated paper trading, decision practice, journaling, replay, and coaching. It is not a live trading terminal.
- Research Value Score (RVS) and Decision Quality Score (DQS) measure attention priority and process/evidence quality. They do not predict price direction or profitability. Simulated profit or loss does not grade a decision.
- Paper trading uses simulated capital (default USD 100,000) and labelled synthetic or licensed sample data. It is not brokerage execution and not real money.
- The Service is not a bank, broker-dealer, exchange, ATS, introducing broker, commodity trading advisor, investment adviser, portfolio manager, or credit-rating agency.
- We do not execute, clear, settle, or custody trades or funds.
- We do not provide personalised investment recommendations, suitability assessments, or buy/sell/hold signals as regulated advice.
- Market data may be synthetic, sample, delayed, or licensed historical and is labelled accordingly when shown.
- AI / explainability features (when shown) describe process and evidence. They are not signals.
Nothing in the Service is financial, investment, tax, accounting, or legal advice. See the separate Risk & Investment Disclaimer.
You alone decide whether, when, and how to trade or invest, including with any third-party broker.
3. Accounts and security
You must provide accurate registration information and keep credentials confidential. You are responsible for activity under your account. Enable multi-factor authentication where available. Notify us promptly of unauthorised access at [SUPPORT EMAIL REQUIRED].
We may require email verification before cloud sync. Guest/demo mode lets anyone explore educational features locally (interface, demo data, Academy, Decision Replay, Decision Lab, charts, and AI explanations). Guest mode does not create cloud journals, sync data, store portfolios online, or allow subscription purchases.
You must not share accounts or circumvent access controls, rate limits, paywalls, or security measures.
4. Subscriptions, trials, and billing
Premium features may require a paid subscription billed by the Apple App Store, Google Play, or another authorised channel (e.g. RevenueCat). Prices, taxes, and trial eligibility are shown on the purchase sheet at the time of purchase and may vary by storefront.
Auto-renewal
Subscriptions auto-renew unless cancelled according to the store’s rules (often at least 24 hours before the end of the current period). Cancelling stops the next renewal; Premium benefits continue until the provider-reported paid-through / expiry time, unless the store or payment provider revokes access earlier (e.g. refund).
Managing and cancelling
Use Settings → Manage Subscription (or the store’s subscription settings). Deleting your TradeAcademy account does not cancel store billing.
Refunds
Refunds are handled by Apple, Google, or the payment provider under their policies.
Illustrative plan identifiers
Product IDs (subject to store configuration): tradeacademy_premium_monthly, tradeacademy_premium_yearly, and tradeacademy_premium_lifetime (entitlement Aithera Pro). Lifetime is a one-time purchase and does not auto-renew. Displayed prices control over any marketing copy. A seven-day trial, if offered, applies only to the yearly product when shown on the store purchase sheet.
5. Licence and intellectual property
We grant you a personal, non-exclusive, non-transferable, revocable licence to use the Service for lawful personal (or internal business evaluation) purposes in accordance with these Terms.
We and our licensors own the Service, branding, software, and content we provide. You retain ownership of content you create (journals, notes, holdings you enter). You grant us a worldwide licence to host, process, and display that content solely to operate the Service for you.
You may not copy, modify, reverse engineer (except where mandatory law allows), scrape, or create competing datasets from the Service, or remove proprietary notices.
6. Acceptable use
You agree not to:
- violate law, including market abuse, sanctions, or unauthorised access laws;
- interfere with security, availability, or other users;
- upload malware or attempt to probe vulnerabilities outside a coordinated disclosure;
- misuse alerts, APIs, or automated access beyond permitted use;
- misrepresent scores or outputs as guaranteed trading signals or as advice from a regulated firm;
- use the Service to provide regulated investment services to third parties without required authorisations.
We may suspend or terminate access for violations, risk to the Service, or legal compliance.
7. Third-party services and data
The Service depends on third parties (Firebase, RevenueCat, Sentry if consented, market-data vendors, Apple, Google). Their terms and availability apply. We are not responsible for third-party outages, data errors, or store billing decisions beyond our control.
Production third-party cloud AI is disabled in this release. If enabled later, additional processor terms will apply.
8. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that market data, scores, charts, news, calendar events, or coaching prompts are accurate, complete, timely, or suitable for any trade.
Nothing in these Terms excludes mandatory warranties or rights that cannot be limited under Swiss, EU/EEA, UK, or applicable U.S. consumer law.
9. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- we are not liable for trading or investment losses, lost profits, loss of data (except where caused by our wilful misconduct or gross negligence where such limitation is void), or indirect, incidental, special, consequential, or punitive damages;
- our aggregate liability arising out of the Service is limited to the greater of (a) amounts you paid us for Premium in the 12 months before the claim or (b) USD 50 (or equivalent), except where liability cannot be limited (e.g. death/personal injury caused by negligence, fraud, or mandatory consumer rights).
Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the minimum extent permitted.
10. Indemnity
To the extent permitted by law, you will indemnify [LEGAL ENTITY NAME REQUIRED] (trading as Aithera) and its operators against claims arising from your misuse of the Service, your trading decisions, or your violation of these Terms or law, except to the extent caused by our wilful misconduct.
11. Privacy
Personal data is processed as described in the Privacy Policy. Optional crash reporting and optional product analytics require separate consent.
12. Termination
You may stop using the Service and delete your account at any time. We may suspend or terminate the Service or your access with reasonable notice where practicable, or immediately for serious breaches, security risk, or legal reasons. Sections that by nature should survive (IP, disclaimers, liability limits, indemnity, governing law) survive termination.
13. Changes to the Service and Terms
We may modify features (including disabling cloud AI or changing data providers) and update these Terms. We will update the “Last updated” date. For material changes, we may provide in-app notice. If you do not agree, stop using the Service and delete your account. Continued use after the effective date constitutes acceptance where permitted by law.
14. Export, sanctions, and U.S. regulatory positioning
You represent that you are not prohibited from receiving the Service under applicable export control or sanctions laws. TradeAcademy does not register as a broker-dealer or investment adviser with the U.S. SEC/FINRA or equivalent regulators by virtue of offering educational/research-coaching software. If your use would require such registration, you must not use the Service for that purpose.
15. Governing law and disputes
These Terms are governed by the substantive laws of Switzerland, excluding conflict-of-law rules, without prejudice to mandatory consumer protection laws of your country of habitual residence (including EU/EEA/UK consumer rights).
Courts of Zurich, Switzerland have jurisdiction, except that consumers may bring proceedings in the courts of their residence where mandatory law so provides, and we may seek injunctive relief in any venue for IP or security breaches.
Optional amicable resolution: contact [SUPPORT EMAIL REQUIRED] before formal proceedings.
16. General
If any provision is unenforceable, the remainder stays in effect. Failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign to an affiliate or successor. These Terms, the Privacy Policy, Risk & Investment Disclaimer, and Account Deletion Notice are the entire agreement regarding the Service.
17. Contact
[SUPPORT EMAIL REQUIRED]
[PRIVACY EMAIL REQUIRED]
Registered address: Höglerstrasse 55, 8600 Dübendorf, Switzerland
[OFFICIAL DOMAIN REQUIRED]