Terms of Service
Introduction
These Terms of Service (Terms) govern your access to and use of the ScanTrade platform, products, services, websites, and applications (collectively, the Service) provided by ScanTrade (we, us, or our). By accessing or using the Service you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service.
Definitions
- Account: the user account you create to access the Service.
- User or you: an individual or entity that registers for or uses the Service.
- Subscription: a paid plan that grants access to features and benefits for a recurring fee.
- Credits: prepaid or recurring usage units allocated to a Subscription (for example, scans).
- Scan: a single AI chart analysis or other usage event that consumes one Credit when applicable.
- Overage: usage beyond included Credits that may incur additional charges.
- Trial: a temporary, limited access period granted at our discretion.
- Content: data, reports, analyses, text, images, and other materials provided through the Service.
Eligibility
You must be at least 18 years old or the age of majority in your jurisdiction and legally capable of entering into contracts to use the Service. You may not use the Service if you are a person or entity barred from receiving services under applicable law.
Account Registration and Security
Registration.
To use certain features you must register and provide a valid email address and password. You agree to provide accurate, current, and complete information.
Account Security.
You are responsible for maintaining the confidentiality of your Account credentials and for all activity that occurs under your Account. Notify us immediately of any unauthorized use.
Single Use and No Circumvention.
Accounts are for individual use only unless otherwise authorized. You may not create multiple accounts to circumvent usage limits or other restrictions.
Subscription Plans, Credits, and Billing
Plans and Features.
The Service offers and plans and an enquiry-based offering. includes lifetime Credits, up to trade journal entries, and up to watchlist symbols. Plan details, pricing, and features are published on our website and may be updated from time to time.
Credits and Usage.
Where applicable, Subscriptions include a fixed number of Credits per billing period. Quarterly includes Credits every three months, and yearly includes Credits every twelve months. One Scan consumes one Credit. Credits are applied automatically and silently in the background when a Scan is performed.
Overage Billing.
If you exceed included Credits in a billing period, we will record usage events and bill overage charges at the published per-unit rate (for example, $0.50 per extra Scan) using our payment processor (Stripe). Overage usage is reported as usage events and will appear on your invoice.
Payment Processing.
Payments are processed by Stripe or other third-party payment processors. By subscribing you authorize us to charge your chosen payment method for recurring fees, overages, taxes, and any other applicable charges.
Taxes.
You are responsible for all applicable taxes, duties, and similar governmental assessments associated with your purchases, except for taxes based on our net income.
Failed Payments.
If a payment fails, we may suspend or terminate your access to the Service until payment is received.
Currency and Pricing.
Prices displayed on the Service may be shown in different currencies. The currency used for billing will be specified at checkout.
Trials and Promotions
Trial Requests.
Trial offers (for example, a 1-day trial) may be available at our discretion and may require approval. Trial activation, duration, and scope are determined by us.
Trial Conversion.
Unless otherwise stated, trials may convert to paid Subscriptions at the end of the trial period. You must cancel before conversion to avoid charges.
No Refunds for Trials.
Trials are provided as a courtesy and are generally non-refundable.
Refunds and Cancellations
Cancellation.
You may cancel your Subscription at any time. Cancellation takes effect at the end of the current billing period; no partial refunds are provided for unused time unless required by law or our refund policy.
Refund Policy.
Refunds are handled in accordance with our Refund Policy and the policies of our payment processor. Digital services typically begin immediately upon purchase and may limit refund eligibility.
AI Market Data and Disclaimers
No Financial Advice.
The Service provides data, analysis, and educational content for informational purposes only. Nothing on the Service constitutes financial, investment, tax, legal, or other professional advice.
AI and Model Limitations.
AI-generated analyses are probabilistic and may be incomplete, inaccurate, or outdated. We do not guarantee results or outcomes based on AI suggestions.
Market Data.
Market data and third-party content may be delayed, incomplete, or erroneous. We are not responsible for the accuracy or timeliness of third-party data.
Risk Acknowledgement.
Trading and investing involve risk. You acknowledge and accept full responsibility for your trading decisions and any resulting gains or losses.
Intellectual Property
Our Rights.
All intellectual property rights in the Service, including software, algorithms, models, trademarks, and Content, are owned or licensed by ScanTrade. Except as expressly permitted, you may not copy, modify, distribute, sell, or create derivative works.
User Content.
You retain ownership of content you submit to the Service. By submitting content you grant ScanTrade a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content to provide and improve the Service.
Feedback.
If you provide feedback, you grant us a perpetual, irrevocable, royalty-free license to use and incorporate that feedback without obligation.
Acceptable Use and Prohibited Conduct
Acceptable Use.
You agree to use the Service lawfully and in accordance with these Terms.
Prohibited Conduct.
You must not: reverse engineer, decompile, or attempt to extract source code; copy, reproduce, or resell the Service; use the Service to commit fraud or illegal activity; create multiple accounts to bypass limits; interfere with the Service or other users; or scrape or harvest data from the Service.
Enforcement.
We may investigate and take action against users who violate these Terms, including suspending or terminating Accounts and pursuing legal remedies.
Monitoring and Admin Rights
We reserve the right to monitor usage, enforce limits, and access account data for security, fraud prevention, billing reconciliation, and compliance. Administrative accounts may have additional privileges to manage user accounts and resolve disputes.
Privacy and Data Protection
Privacy Policy.
Our Privacy Policy explains how we collect, use, and disclose personal data. By using the Service you consent to our data practices described in the Privacy Policy.
Data Retention.
We retain data as necessary to provide the Service, comply with legal obligations, and enforce our Terms.
GDPR and Other Laws.
If you are located in the EU or other jurisdictions with data protection laws, you may have additional rights. See our Privacy Policy for details.
Security
We implement reasonable administrative, technical, and physical safeguards to protect data. However, no system is completely secure. We are not liable for unauthorized access unless caused by our gross negligence or willful misconduct.
Third-Party Services and Links
The Service may integrate with third-party services (payment processors, data providers, analytics). Your use of third-party services is subject to their terms and privacy policies. We are not responsible for third-party services.
Warranties and Disclaimers
THE SERVICE IS PROVIDED AS IS AND AS AVAILABLE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL SCANTRADE BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, OR USE. OUR AGGREGATE LIABILITY FOR DIRECT DAMAGES WILL NOT EXCEED THE AMOUNTS PAID BY YOU TO SCANTRADE IN THE SIX MONTHS PRECEDING THE CLAIM.
Indemnification
You agree to indemnify and hold harmless ScanTrade and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising from your use of the Service, violation of these Terms, or infringement of third-party rights.
Termination
Termination by You.
You may terminate your Account by cancelling your Subscription and following the account closure process.
Termination by Us.
We may suspend or terminate your Account for violations, nonpayment, fraud, or other legitimate reasons. Termination does not relieve you of outstanding payment obligations.
Effect of Termination.
Upon termination, your access to the Service ends. We may delete or retain data as required by law or our policies.
Governing Law and Dispute Resolution
These Terms are governed by the laws of the jurisdiction specified in our legal notices or our corporate headquarters. Any dispute arising out of or relating to these Terms will be resolved in the courts of that jurisdiction, unless otherwise agreed in writing.
Changes to These Terms
We may modify these Terms from time to time. We will provide notice of material changes by posting the updated Terms and updating the Last updated date. Continued use of the Service after notice constitutes acceptance of the updated Terms.
Notices
We may provide notices by email, posting on the Service, or other reasonable means. Legal notices should be sent to the contact address below.
Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
Entire Agreement
These Terms, together with any referenced policies (Privacy Policy, Refund Policy, Acceptable Use Policy), constitute the entire agreement between you and ScanTrade regarding the Service.
Contact
For support or legal notices, contact: support.scantrade@gmail.com