These Terms of Service ("Terms") govern your access to and use of the TradeSense AI mobile and web applications, the underlying AI trading engine, credit-hour packs, subscription tiers, and all related services (collectively, the "Service"). By creating an account, depositing funds, or using any AI feature, you agree to be bound by these Terms.

If you do not agree, you must stop using the Service immediately. You must be at least 18 years old (or the age of majority in your jurisdiction) to use TradeSense AI.

You agree to use TradeSense AI only for lawful purposes and in accordance with these Terms. You will not, and will not attempt to:

TradeSense AI runs a "swarm" — a peer-to-peer network where each user's install operates its own private AI model on their own device and account. Users may opt in (Account → Swarm intelligence) to publish anonymized buy / sell / hold / watch signals to the swarm and receive signals from other contributors.

IMPORTANT: The swarm DOES NOT pool capital. Every user keeps their own separate balance and brokerage relationship. Your AI never has access to another user's funds, positions, exchange API keys, or PII. Other users only see a pseudonymous handle that you choose, the public signal payload (symbol, action, confidence, optional thesis, horizon, fee class), and a tamper-evident integrity hash.

Each user keeps their own AI. We do NOT perform federated learning that mixes weights across users. Signal sharing is opt-in, asymmetric (you can receive without sharing), and revocable at any time.

TradeSense AI is an algorithmic decision-support tool. It is NOT a licensed broker-dealer, registered investment adviser, futures commission merchant, or fiduciary. Nothing presented in the Service constitutes personalized investment, tax, or legal advice.

Trading any financial instrument — including stocks, options, futures, foreign exchange, and digital assets — involves substantial risk of loss. Automated and AI-driven strategies can amplify both gains and losses, may behave unpredictably during volatile or illiquid markets, and may experience model drift, data outages, exchange downtime, or latency that materially affects performance.

Past performance, simulated performance, backtests, and AI-generated forecasts are NOT indicative of future results. You may lose some or all of your deposited capital. You should only trade with risk capital — money you can afford to lose.

You acknowledge that you are solely responsible for: (a) your trading decisions, (b) configuring the engine to match your risk tolerance, (c) monitoring open positions, and (d) complying with all tax, reporting, and regulatory obligations in your jurisdiction.

You may choose to skip or end the paper-trading learning period early. If you do, you understand that the AI may have less account-specific calibration data and live trading losses may occur sooner or at larger size. The risk disclosure and audit log for that choice are retained for account safety and compliance.

TradeSense AI offers two purchase models: (1) one-time credit-hour packs that grant a fixed number of compute hours for the AI engine, and (2) recurring subscription tiers (Starter, Pro, Entrepreneur) that include a monthly credit-hour allowance plus tier-specific features.

Subscriptions automatically renew at the end of each billing period at the then-current price unless you cancel before renewal. You can cancel at any time from Account → Membership; cancellation takes effect at the end of the current period and you retain access until that date.

In-app purchases made through Apple App Store or Google Play are billed by the respective platform and are subject to that platform's billing terms in addition to these Terms.

We want you to feel confident trying TradeSense AI. The following refund policy applies in addition to any non-waivable consumer rights you may have under local law:

Funds you deposit into your TradeSense AI vault are held with our payments partner FamousPay and segregated from operating capital. Withdrawals are processed within 1–3 business days subject to anti-fraud and sanctions screening.

TradeSense AI is not a bank. Deposited funds are not FDIC- or SIPC-insured. You are responsible for verifying the legal status of your deposits in your jurisdiction.

You are responsible for maintaining the confidentiality of your password, biometric vault, and any TOTP factors. Enable two-factor authentication and biometric lock for all accounts that hold a balance. We will never ask for your password or 2FA codes by email, phone, or chat.

We may suspend or terminate your account if you violate these Terms, attempt fraud, or use the Service in a way that creates legal or financial risk for us. You may close your account at any time from Account → Delete account; data deletion is described in our Privacy Policy.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TRADESENSE AI AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, OR TRADING POSITIONS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY IN ANY 12-MONTH PERIOD IS LIMITED TO THE AMOUNT YOU PAID US FOR THE SERVICE DURING THAT PERIOD.

We may update these Terms from time to time. Material changes will be communicated via in-app notification or email at least 14 days before they take effect. Your continued use of the Service after changes take effect constitutes acceptance.

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles. Disputes will be resolved by binding arbitration on an individual basis, except where prohibited by your local law.