Terms of Service

1. What the Service Does

AI Chart Analyzer accepts a chart screenshot you provide and returns an AI-generated description of what the visible price structure shows — trend direction, a confidence score, support/resistance levels, and named chart patterns — plus a follow-up chat scoped to that analysis. The Service does not place trades, manage funds, or access any brokerage or exchange account.

2. Not Financial Advice; AI Limitations

Output is generated by an AI model applying pattern recognition to an image you supply. AI-generated analysis can be incomplete, outdated, based on an unrepresentative or low-quality image, or simply wrong — including confidently wrong. Confidence scores describe the model's output, not the probability of a real-world trading outcome. Trading and investing involve substantial risk of loss, including total loss of capital. You are solely and exclusively responsible for any trading, investment, or financial decision you make, whether or not informed by the Service.

3. Eligibility & Account Registration

To use the Service you must be at least 18 years of age (or the age of majority in your jurisdiction) and have the legal capacity to enter into binding contracts. The Service is not directed at, and must not be used by, anyone in a jurisdiction where its use would violate local law or regulation (including local restrictions on AI-assisted trading tools). You must provide a valid email address and are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

4. Permitted Use

You agree not to:

• Use the Service for any illegal or unauthorised purpose;
• Attempt to gain unauthorised access to any part of the Service or its infrastructure;
• Upload images containing content unrelated to financial charts, or content that is unlawful, abusive, or infringes a third party's rights;
• Use automated tools, bots, or scrapers against the Service without prior written consent;
• Circumvent usage limits/quotas associated with your plan;
• Reverse-engineer, decompile, or attempt to extract the underlying models, prompts, or source code of the Service;
• Feed Service output into an automated trading system without human review, or represent Service output as your own independent analysis to third parties.

5. Subscriptions & Payments

The Free plan requires no payment. Paid plans (Trader, Pro) are billed monthly or annually through Stripe and renew automatically unless cancelled before the renewal date. Fees are quoted in the currency shown at checkout and exclude applicable taxes. We may change pricing for future billing periods with reasonable notice.

6. Cancellations & Refunds

You may cancel a paid plan at any time from your account page via the Stripe customer portal. Cancellation takes effect at the end of the current billing period; we do not provide pro-rata refunds for partial periods, except where required by applicable consumer law.

7. Usage Limits

Each plan includes a monthly allowance of analyses and, where applicable, chat messages. Allowances reset on your billing cycle and do not roll over. Exceeding your allowance requires upgrading your plan.

8. Intellectual Property

The Service, its software, models, prompts, and output formatting are the property of the Operator or its licensors. You retain ownership of the chart images you upload; you grant us a limited licence to process them solely to provide the analysis you requested. If you send us feedback or suggestions, you grant us an unrestricted, royalty-free licence to use them without obligation to you.

9. Disclaimer of Warranties

The Service is provided "AS IS" and "AS AVAILABLE", without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or that the Service will be uninterrupted, error-free, or secure. We do not warrant that the AI output is accurate, complete, or suitable for any particular use. To the extent a jurisdiction does not allow the exclusion of certain implied warranties, the above exclusion applies only to the extent permitted by law.

10. Limitation of Liability

To the fullest extent permitted by applicable law: the Operator shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or trading/investment losses of any kind, arising out of or relating to the Service or these Terms, regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and even if advised of the possibility of such damages.

Our aggregate liability for any and all claims arising out of or relating to the Service shall not exceed the greater of (a) the total amount you paid us for the Service in the 12 months preceding the event giving rise to the claim, or (b) EUR 1.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, gross negligence or wilful misconduct, or any other liability that applicable mandatory law (including consumer-protection law of your country of residence, if you are a consumer) does not permit us to exclude.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Operator, its officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with: (a) your use or misuse of the Service; (b) any trading, investment, or financial decision you make, whether or not based on Service output; (c) your breach of these Terms; or (d) your violation of any law or the rights of a third party. This does not apply to the extent such claims arise from our own fraud, gross negligence, or wilful misconduct, or to the extent it would be unenforceable against you as a consumer under mandatory law.

12. Assumption of Risk

By using the Service you acknowledge and accept that: trading and investing carry a substantial risk of loss, including total loss of capital; AI-generated chart analysis can be wrong, incomplete, or misleading; past patterns identified by the Service are not indicative of future price movement; and any decision to act, or not to act, on Service output is made entirely at your own risk and on your own responsibility. To the maximum extent permitted by law, you waive any claim against the Operator for trading losses, lost profits, or missed opportunities connected to your use of the Service.

13. Termination

We may suspend or terminate your account for breach of these Terms, suspected abuse of the Service, or non-payment. You may close your account at any time by contacting us. Sections that by their nature should survive termination — including Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, Assumption of Risk, and Governing Law & Dispute Resolution — remain in effect after your account is closed.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Republic of Slovenia, excluding its conflict-of-law rules and the United Nations Convention on Contracts for the International Sale of Goods.

If you are a consumer resident in the EU, EEA, or UK: nothing in this section deprives you of the protection of mandatory consumer-protection provisions of the law of your country of habitual residence, or of your right to bring proceedings in the courts of that country under applicable jurisdiction rules (including Regulation (EU) 1215/2012). Subject to that, the courts of Slovenia have jurisdiction over disputes arising out of or relating to these Terms.

If you are not a consumer resident in the EU, EEA, or UK (including business users and consumers domiciled elsewhere, such as the United States): any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration on an individual basis, and you and the Operator each waive the right to a trial by jury or to participate in a class, collective, or representative action. [TODO — Igor: pick and confirm the arbitral institution/rules and seat with counsel before this clause goes live; drafted here as binding arbitration seated in Ljubljana, Slovenia, conducted in English, under a recognised institution's rules (e.g. ICC, or AAA Consumer Arbitration Rules for US-domiciled individual users) — the exact institution needs a lawyer's confirmation, not an AI's guess.]

15. Force Majeure

We are not liable for any failure or delay in performance resulting from causes beyond our reasonable control, including outages of third-party infrastructure or AI providers, internet or power failures, natural disasters, war, or governmental action.

16. General Provisions

If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect, and the unenforceable provision will be replaced by an enforceable one that most closely reflects its intent. Our failure to enforce any provision is not a waiver of it. You may not assign these Terms without our written consent; we may assign these Terms in connection with a merger, acquisition, or sale of assets. These Terms constitute the entire agreement between you and the Operator regarding the Service and supersede any prior agreements on the subject.

17. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated by email or an in-app notice. Continued use of the Service after the effective date constitutes acceptance.

18. Contact