TraderAI Assistant Terms of Service

1.1. These Terms set out the rules for using the TraderAI Assistant service — the traderaiassistant.com website and the app.traderaiassistant.com app (together: the “Service”).

1.2. The Service is provided by (hereinafter: the “Provider”, “we”):

Contact: contact@traderaiassistant.com; invoices: billing@traderaiassistant.com.

1.3. These Terms are available free of charge on this page before you enter into the contract. You can save or print them.

1.4. To use the Service you need an up-to-date web browser with JavaScript enabled and an internet connection.

• User — an adult natural person (at least 18 years old) who has an Account. This includes a person running a business.
• Consumer — a User who uses the Service for purposes not directly related to their business or profession. Provisions on consumers also apply to a sole trader treated as a consumer under Polish law (Art. 7aa of the Consumer Rights Act).
• Account — the User's individual profile in the app, created with an email address and password or with an account from an external sign-in provider (currently Google). With such sign-in, the provider passes us your email address, name and account ID.
• Plan — a paid subscription giving access to the Service's features: Basic or Pro. The Business plan is priced individually.
• Milo — the artificial-intelligence assistant in the app. When you talk to Milo, you are talking to software, not a person.
• AI Content — anything generated automatically by AI models in the Service: Milo's replies, analyses, trade reviews (including Shadow Analysis), summaries, voice notes.

3.1. The Service helps you keep a trading journal, organise your own plan and methodology, stay disciplined and learn from your own data. Analyses are built from what you enter — your levels, setups and rules.

3.2. The Provider does not provide investment advice or produce investment recommendations within the meaning of the Polish Act of 29 July 2005 on Trading in Financial Instruments, the MiFID II Directive (2014/65/EU) and Article 3(1)(35) of the Market Abuse Regulation (596/2014). It does not receive or transmit orders, does not manage anyone's money and is not an investment firm supervised by the Polish Financial Supervision Authority (KNF). Nor does it provide crypto-asset services within the meaning of the MiCA Regulation (2023/1114).

3.3. The Provider is not a registered investment adviser with the U.S. Securities and Exchange Commission or any U.S. state, is not a Commodity Trading Advisor registered with the Commodity Futures Trading Commission, and is not a member of the National Futures Association. The Service does not give anyone personalised investment advice.

3.4. Content in the Service, including AI Content and the session plan, is educational and analytical. It is not a call to buy or sell any instrument and does not take your full financial situation into account. You decide on every trade yourself and bear its consequences yourself.

3.5. Trading futures, leveraged instruments and crypto-assets carries a high risk of loss, including losses greater than the margin deposited. Historical and simulated results, and results on demo accounts or prop firm challenges, do not guarantee future results. Details are in the Risk disclosure, which forms part of these Terms.

4.1. You create your Account yourself in the app, with an email address and password or a Google account, and then choose and pay for a Plan. The contract for the service is concluded when the Plan is paid.

4.2. Creating an Account is free, but using the Service's features requires an active, paid Plan. There is no free plan and no trial period.

4.3. You provide truthful information, don't share your Account with others and keep your password confidential. One Account is for one person.

4.4. You may not use the Service unlawfully, upload unlawful content, try to bypass limits or security measures, scrape content automatically or resell access. If you breach these Terms, we may block your Account — we will first ask you to stop, unless the breach is serious or threatens the security of the Service.

5.1. Plans:

• Basic — journal with unlimited entries, Milo — up to 50 chats and analyses per day, a recap of every week in a letter from Milo and a letter from Milo every month, Academy, TopstepX and TradingView connections.
• Pro — everything in Basic, Milo — up to 100 chats and analyses per day, Milo's Memory, deep analysis of the day and week, growth areas, the session plan, a monthly letter that reads your month against Milo's Memory, voice playback of analyses and Shadow Analysis of every TopstepX trade.
• Business — priced individually, under a separate agreement.

5.2. Daily limits reset at midnight UTC. To prevent abuse there is also a rate limit (requests per minute) and a daily cost cap on our side — with normal use you won't notice it. The current scope of the Plans and the limits are shown on the pricing page.

5.3. AI features run by default on the AI model provided by the Service (currently Google's Gemini) and are included in the Plan price. You don't need your own API key. If you want, you can connect your own key for an AI provider of your choice (e.g. Anthropic or OpenAI) in Settings. The data needed for the analysis then goes to that provider on your account, and you pay that provider directly for its use.

5.4. Prices are shown on the pricing page: in Polish złoty in the Polish version of the Service and in US dollars in the English version. They are final prices: they include VAT where applicable, and nothing is added at checkout. The currency is set with your first purchase and stays the same for your Account. You pay in advance for a monthly or annual period when you choose a Plan. The subscription renews automatically for the next period until you cancel it.

5.5. Payments are processed by Stripe Payments Europe Ltd. You enter your card details directly with Stripe. We issue an invoice on request sent to billing@traderaiassistant.com.

5.6. You can change your Plan at any time. An upgrade takes effect immediately and is prorated; a downgrade takes effect from the next billing period.

6.1. A consumer may withdraw from a distance contract without giving a reason within 14 days of concluding it (from buying a Plan). An email to contact@traderaiassistant.com is enough, or a statement using the model form in Annex 2 to the Polish Consumer Rights Act of 30 May 2014.

6.2. The Service starts immediately after payment, at your express request, which you make in the Stripe payment form before purchase. If you withdraw within 14 days, we will refund the fee minus an amount proportionate to the time you used the Service until withdrawal (Art. 35 of the Polish Consumer Rights Act, implementing Art. 14(3) of Directive 2011/83/EU). We will refund you using the same payment method within 14 days of receiving your statement.

6.3. After the 14 days, you can cancel the subscription for the future at any time (section 7). Fees charged for the current period after that time are not refunded, unless the law requires it — in particular the rules on a service that does not conform to the contract (section 12).

7.1. You can cancel your subscription at any time in Settings (the Stripe billing portal). Access continues until the end of the paid period, after which features are locked until you choose a new Plan.

7.2. You delete your Account yourself in Settings. You can undo this for 7 days, after which your data is deleted in line with the Privacy Policy. Before that, you can download your data (export in Settings).

7.3. We may terminate the contract for important reasons (e.g. a serious breach of these Terms, the Service shutting down) with 30 days' notice, or immediately in the case of a serious breach. For an unused, paid period we will refund a proportional part of the fee, unless the reason was your serious breach.

8.1. You can connect external services yourself, including:

• TopstepX — reading trades and account status, and — if you turn it on — locking the account until the end of the trading day after you close your day in the Service. The Service never places orders and never changes your limits.
• TradingView — sign-in with your account (OAuth) and reading market data when you ask. An alert is created only after you click.
• other brokers or exchanges — if you connect an account, read-only.

8.2. These services are run by other companies under their own terms. You are responsible for complying with their terms. We are not responsible for their availability, the accuracy of the data they provide, or those companies' decisions (e.g. about your account). You can disconnect at any time in Settings.

9.1. AI Content is generated automatically and may contain errors, inaccuracies or outdated information — including about prices and levels. Check it before relying on it for any decision.

9.2. Results on demo accounts, in paper trading, in simulations and in reviews such as Shadow Analysis are hypothetical and do not reflect trading with real money.

10.1. We are not liable for the results of your trades or for losses incurred in connection with decisions made on the basis of content from the Service, including AI Content.

10.2. We aim to keep the Service running without interruption, but technical breaks, maintenance, provider outages or force majeure may occur. We are not liable for the effects of interruptions beyond our control.

10.3. Towards Users who are not consumers, our liability is limited to the fees paid for the last 12 months and does not cover lost profits.

10.4. Nothing in these Terms limits rights that a consumer cannot be deprived of by law, or our liability for damage caused intentionally.

11.1. The Service's software, design, names, logos and educational materials belong to the Provider or its licensors. You may use them for your own purposes within your Plan; you may not copy or distribute them without our consent.

11.2. Your entries, notes and trade data remain yours. You grant us a non-exclusive licence to process them solely to provide the service (e.g. to generate an analysis). The processing of personal data is described in the Privacy Policy.

12.1. You can submit a complaint to contact@traderaiassistant.com or through the support form in the app. Describe the problem and give the date and your Account's email address.

12.2. We will reply by email within 14 days of receiving the complaint. If the service does not conform to the contract, a consumer has the rights under Chapter 5b of the Polish Consumer Rights Act (bringing it into conformity, a price reduction or withdrawal from the contract).

12.3. A consumer may use out-of-court dispute resolution, e.g. help from a municipal or district consumer ombudsman or a permanent consumer arbitration court at a regional Trade Inspection office in Poland (information: uokik.gov.pl), or the consumer bodies in their own country.

13.1. We may change these Terms for important reasons: changes in the law, changes to the Service's features, prices or providers, or security reasons. We will notify you in the app or by email at least 14 days before the change takes effect.

13.2. If you don't accept the changes, you can cancel your subscription and delete your Account before they take effect. A price change does not apply to a period you have already paid for.

14.1. The contract is concluded in Polish or English — the language in which you use the Service. Polish law applies, in particular the Civil Code, the Act on Providing Services by Electronic Means and the Consumer Rights Act. A consumer keeps the protection given by the law of their country of residence where it is more favourable.

14.2. Disputes with Users who are not consumers are resolved by the court competent for the Provider's registered office. Disputes with consumers — by the court competent under general rules.

14.3. If any provision turns out to be invalid, the rest remain in force.

14.4. These Terms in this version apply from 29 September 2026.