Terms & Conditions

These Terms & Conditions (“Terms”) are a binding legal agreement between you (“you,” “user,” or “Customer”) and GoliTrader LLC(“GoliTrader,” “GoliTrader LLC,” “the Company,” “we,” “us,” or “our”), a limited liability company, and its owners, members, managers, officers, employees, agents, affiliates, and licensors, and govern your access to and use of the GoliTrader websites, applications, APIs, data, and related services (collectively, the “Service”). By creating an account, clicking to accept, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and all documents incorporated by reference (including the Risk Disclaimer, Privacy Policy, Refund Policy, and Cookie Policy). If you do not agree, do not use the Service.

PLEASE READ SECTION 19 (BINDING ARBITRATION AND CLASS-ACTION WAIVER) CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO SUE IN COURT AND TO HAVE A JURY TRIAL.

1. Eligibility — you must be 18 or older

You must be at least 18 years of age (or the age of legal majority in your jurisdiction, if higher) and capable of forming a binding contract to use the Service. By using the Service you represent and warrant that you meet this requirement, that all registration information you provide is accurate, and that you are not barred from using the Service under any applicable law. We may require your full legal name, date of birth, and a signed acknowledgement before granting access, and we may refuse, suspend, or revoke access at our discretion.

2. Educational purposes only — not financial advice

The Service is provided strictly for educational and informational purposes only. Nothing on or generated by the Service constitutes financial, investment, brokerage, legal, accounting, or tax advice, a solicitation, an offer, or a recommendation to buy, sell, or hold any security, option, or other financial instrument, or to adopt any trading or investment strategy.

We are not a broker-dealer, investment adviser, financial planner, commodity trading advisor, or fiduciary, and no such relationship is created by your use of the Service.We do not manage accounts, execute trades, hold customer funds or securities, or act on your behalf. Any signals, scores, “confidence” figures, trade ideas (including those produced by GoliTrader AI or GoliQuickie), backtests, or analytics are hypothetical, automated outputs for study — not personalized advice. You are solely responsible for evaluating all information and for any decision you make. The Risk Disclaimer is incorporated into these Terms by reference.

3. No guarantee · high-risk trading

There is no guarantee of any kind. Trading securities and options involves a very high level of risk and can result in the loss of some or all of your capital, and potentially more than your initial investment. Options trading is not suitable for all investors. Hypothetical, simulated, paper-traded, and backtested performance has inherent limitations, is achieved with the benefit of hindsight, does not represent actual trading, and is not indicative of future results. Prior to trading options you should review the Characteristics and Risks of Standardized Options. You alone bear full responsibility for your trades and their outcomes.

3a. Assumption of risk · no reliance · release

You knowingly and voluntarily assume all risks associated with using the Service and with any trading or investment activity you undertake. You acknowledge and agree that: (a) you are not relyingon the Service, on us, or on any signal, score, ranking, illustration, backtest, projection, or AI output as the basis for any trade or financial decision, and any such reliance is at your sole risk; (b) any examples, demonstrations, animations, sample trades, figures, returns, or “results” shown anywhere on the Service or in our marketing are hypothetical, simulated, and illustrative only, are not real trades or actual results, and are not a promise or prediction of performance; and (c) you have the knowledge and experience to evaluate the risks of options and securities trading independently. To the fullest extent permitted by law, you release, waive, and dischargeGoliTrader LLC and its owners, members, managers, officers, employees, agents, affiliates, and licensors (the “Released Parties”) from any and all claims, demands, causes of action, and liabilities for any loss or damage — including trading and investment losses — arising out of or relating to your use of, or reliance on, the Service or any of its content or outputs, whether based on contract, tort, statute, or otherwise.

4. Accounts & security

You are responsible for safeguarding your account credentials and for all activity occurring under your account, whether or not authorized by you. Authentication is provided by a third party (Clerk); your use of it is also subject to that provider's terms. Provide accurate information, keep it current, and notify us promptly of any unauthorized use or security breach. One account per person; you may not share, sell, or transfer your account. We may suspend or terminate accounts that violate these Terms or that we reasonably believe are compromised or fraudulent.

5. Subscriptions, billing & auto-renewal

Paid plans are billed in advance on a recurring basis through our payment processor (Stripe) until cancelled. By purchasing a subscription you authorize us and Stripe to charge your payment method on a recurring basis (monthly or annually, as selected) at the then-current price, plus applicable taxes, until you cancel. Fees are described on the pricing page or at checkout and are quoted in U.S. dollars unless stated otherwise. You are responsible for all applicable taxes. You can cancel at any time; cancellation stops future renewals and access continues until the end of the current billing period. We may change prices or plan features prospectively; for recurring plans we will provide notice before a price change takes effect, and your continued use after the change constitutes acceptance. All payments are subject to our Refund Policy.

5a. Founder's Circle membership

The Founder's Circle is a limited founding-member plan offered to the first 250 members, in two billing options that grant the same access:

• Monthly — billed at the founding rate shown at checkout on a recurring monthly basis until cancelled.
• Annual — twelve (12) months billed in a single payment in advance, in full, at the time of purchase. The annual payment is non-refundable, in whole or in part, including if you cancel before the term ends (you retain access for the full pre-paid term). Annual memberships renew automatically at the founding annual rate unless cancelled before the renewal date.

Price lock. Your founding rate will not increase for as long as your membership remains continuously active. The price lock and the founding seat are tied to a continuous membership: if you cancel or your subscription lapses, the founding rate and your seat are forfeited, the seat may be offered to someone else, and re-joining (if available) would be at the then-current public price. The price lock applies to the Founder's Circle plan as offered today; it does not obligate us to provide any specific future feature, and features are added, changed, or removed at our discretion (see §3 and §9).

Promotion is at our discretion; we control the offer.The Founder's Circle is a limited-time promotional offer, not an ongoing entitlement. We reserve the right, at any time and in our sole discretion, with or without notice, to:

• end, pause, withdraw, or take down the promotion at any time — including before the 250th seat is filled — and to stop accepting new founding members, even if seats remain available;
• re-open, re-launch, extend, modify, or re-offer the promotion at any later time, on the same or different terms, whenever we wish; and
• set, adjust, pause, or change the price, billing options, benefits, eligibility, and conditions of the offer prospectively.

The Founder's Circle is capped so that no more than 250 founding seats are active overall at any one time. For the purpose of this cap, accounts held, used, or controlled by or on behalf of GoliTrader LLC — including its owners, members, managers, employees, contractors, agents, and affiliates, and any internal, testing, demonstration, complimentary, or administrative accounts — do not count toward, and are excluded from, the 250 active seats. We may reclaim, re-issue, or re-allocate any seat that lapses, is cancelled, is charged back, or is terminated, and we may make seats available again so long as the total number of active founding members (excluding the excluded accounts described above) does not exceed 250 at any given time. The displayed seat counter is an approximate, marketing indication and is not a guarantee of availability. Participation in the promotion does not create any vested, guaranteed, or perpetual right beyond the price lock expressly described above, which is itself conditioned on continuous, paid, good-standing membership.

6. Acceptable use

You agree not to, and not to permit any third party to:

• reverse engineer, decompile, scrape, data-mine, or resell the Service or its data;
• use the Service or any output to train, fine-tune, or develop any machine-learning or AI model, or to build a competing product;
• access the Service by automated means or in excess of any rate limits, or interfere with, disrupt, or probe the Service, its security, or its infrastructure;
• misrepresent the Service's content as personalized advice, or republish, redistribute, or resell signals, data, or analytics;
• infringe any intellectual-property or privacy right, or upload unlawful, harmful, or infringing content;
• use the Service unlawfully, to manipulate markets, or in violation of securities, sanctions, anti-money-laundering, or other applicable laws.

7. Market data & third-party services

The Service relies on third-party market-data providers, payment, hosting, authentication, and AI providers (including, without limitation, Alpaca, Stripe, Clerk, and large-language-model providers). Market and options data may be delayed, incomplete, inaccurate, or unavailable, and your use of it may be subject to those providers' separate terms and usage restrictions. We do not warrant and are not responsible for third-party services, data, or content, and we are not liable for any provider outage, error, latency, or change. Links to third-party sites are provided for convenience and do not imply endorsement.

8. Intellectual property & copyright

The Service — including all software, source code, models, signal taxonomies and methodologies, content, text, graphics, user interfaces, visual designs, charts, logos, the GoliTrader marble mark, and the selection and arrangement of all of the foregoing — is owned by GoliTrader or its licensors and is protected by copyright, trademark, trade-secret, and other laws. “GoliTrader,” “GoliTrader AI,” “GoliQuickie,” and associated logos and taglines are our trademarks or trade dress. We grant you only a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial, educational use, subject to these Terms. All rights not expressly granted are reserved. See the full copyright and trademark notice in the footer below.

9. Beta features & feedback

Some features may be offered as beta, preview, paper-only, or “coming soon” and may be changed, limited, or discontinued at any time without liability. If you submit feedback, ideas, or suggestions, you grant us a perpetual, worldwide, royalty-free, irrevocable license to use them for any purpose without obligation or compensation to you.

10. Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE AND ALL CONTENT, DATA, AND OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, secure, error-free, or that any signal, score, or output will be accurate, reliable, or profitable.

11. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, GOLITRADER AND ITS OWNERS, OPERATORS, OFFICERS, EMPLOYEES, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY TRADING OR INVESTMENT LOSSES, LOST PROFITS, LOST OPPORTUNITY, OR LOSS OF DATA OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

11a. Time limitation on claims

To the fullest extent permitted by law, any claim or cause of action arising out of or relating to these Terms or the Service must be commenced within one (1) year after the claim accrues; otherwise it is permanently barred. This limitation period applies in addition to, and does not extend, any shorter period required by law. Where a one-year limit is not enforceable in your jurisdiction, the shortest period permitted by applicable law applies.

12. Indemnification

You agree to defend, indemnify, and hold harmless GoliTrader and its owners, operators, and suppliers from and against any claims, damages, liabilities, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Service, your content or inputs, your trading decisions, or your violation of these Terms or any law or third-party right.

13. Force majeure

We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including acts of God, market disruptions or halts, exchange or data-provider outages, internet or hosting failures, cyberattacks, labor disputes, war, or government action.

14. Termination & suspension

We reserve the right, in our sole discretion and judgment, to suspend, restrict, or terminate your account, membership, and access to the Service — immediately and with or without notice — if we believe, or have reason to believe, that you are not abiding by the law or by these Terms & Conditions (or any policy incorporated into them), or that your conduct is or may be fraudulent, abusive, unlawful, harmful to the Service or to other users, or otherwise inconsistent with these Terms. We may act on a good-faith belief and are not required to prove a violation, conduct an investigation, or provide a hearing before acting, although we may do so at our discretion. We may also suspend or terminate the Service (in whole or in part), or any account, for operational, legal, security, or business reasons, or for non-payment or a chargeback.

You may stop using the Service and cancel at any time. Upon any suspension or termination: (a) your license and right to access the Service immediately end; (b) where the termination is for a violation as described above, or for fraud, abuse, or chargeback activity, you are not entitled to any refund or credit for any unused or pre-paid portion of your term, and any founding rate, founding seat, and price lock are immediately and permanently forfeited and the seat may be re-issued to another person; (c) we may delete or de-identify your account data subject to applicable law and our Privacy Policy; and (d) Sections that by their nature should survive (including §§2–3, 3a, 5–5a, 7–8, 10–13, 11a, 12, 14a, 15, 17–21) will survive. Termination does not entitle you to a refund except as expressly stated in the Refund Policy or as required by non-waivable law.

14a. Recovery, set-off & clawback

If you obtain access, a discount, a founding seat, or any benefit through fraud, misrepresentation, a reversed or charged-back payment, abuse of a promotion or trial, or a violation of these Terms, we may, to the fullest extent permitted by law, revoke that benefit, reverse or withhold it, and recover from you the value of the benefit and any resulting costs (including reasonable fees), and we may set off any amounts you owe us against any amounts we may owe you. We may decline to provide the Service to anyone, and may refuse, reclaim, or cancel any account or seat, for any of these reasons.

15. Electronic communications & consent

By using the Service you consent to receive communications from us electronically (email and in-app notices), and you agree that electronic agreements, notices, disclosures, and other communications satisfy any legal requirement that they be in writing. Transactional and account messages are a necessary part of the Service; you may opt out of marketing messages.

16. DMCA / copyright complaints

We respect intellectual-property rights. If you believe content on the Service infringes your copyright, send a notice with the information required by the DMCA (17 U.S.C. §512) — identification of the work, the material, your contact details, a good-faith statement, and your signature — to our copyright agent via the contact page. We may remove allegedly infringing material and terminate repeat infringers. [Operator: designate a DMCA agent and confirm details with counsel.]

17. Export, sanctions & geographic restrictions

You represent that you are not located in, and are not a national or resident of, any country or on any list subject to U.S. or other applicable embargoes or sanctions, and that you will comply with all applicable export- control and sanctions laws. The Service may not be available in all jurisdictions, and we make no representation that it is appropriate or available for use in any particular location.

18. Changes to these Terms

We may update these Terms from time to time. Material changes will be posted here with a new “last updated” date and, where appropriate, will require renewed acceptance or be notified to you. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

19. Governing law, dispute resolution & arbitration

These Terms are governed by the laws of the jurisdiction in which the operator of GoliTrader is established, without regard to conflict-of-laws rules. To the extent permitted by applicable law, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by final and binding individual arbitration, rather than in court, except that either party may bring claims in small-claims court or seek injunctive relief for intellectual-property misuse. You and GoliTrader each waive any right to a jury trial and to participate in a class, collective, or representative action; disputes must be brought in your individual capacity only. You may opt out of arbitration by sending written notice within 30 days of first accepting these Terms. [Operator: confirm governing law, arbitration forum/rules, venue, and the opt-out mechanism with counsel for your jurisdiction(s).]

20. General

These Terms (with the documents incorporated by reference) are the entire agreement between you and us regarding the Service and supersede prior agreements. If any provision is held unenforceable, the remaining provisions remain in effect and the unenforceable provision will be modified to the minimum extent necessary. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our consent; we may assign them freely (e.g., in a merger or sale). Section headings are for convenience only. Nothing in these Terms creates a partnership, agency, or employment relationship.

20a. Order of precedence & notices

If there is a conflict between these Terms and a policy incorporated by reference, these Terms control unless the policy expressly states otherwise for the specific subject matter. We may give you notices by email, by posting on the Service, or through in-app messages, and such notices are deemed received when sent or posted. You consent to receive all legal notices electronically. You must keep a current email address on file; you are responsible for notices sent to it.

21. Contact

Questions about these Terms? Contact us.