Terms of Service

2.1. TradeWise is an educational, analytical, and decision-support tool. It is designed to help traders understand market conditions, evaluate tradability, journal their trades, analyze their own historical performance, and improve trading discipline.

2.3. The Operator is not an authorized investment firm, consulente finanziario, financial advisor, or investment intermediary, and is not registered with or supervised by CONSOB, the Banca d'Italia, the OCF (Organismo di vigilanza e tenuta dell'albo unico dei Consulenti Finanziari), or any other financial regulatory authority. Nothing in the Service creates an advisory, brokerage, or fiduciary relationship between you and the Operator.

2.4. All content — including scores, ratings, tradability indications, market context, AI-generated commentary, sentiment summaries, and analytics — constitutes general informational and educational content only. It does not take into account your personal financial situation, investment objectives, knowledge, experience, or risk tolerance.

2.5. You are solely and exclusively responsible for all of your trading and investment decisions and their consequences. You should seek independent advice from a duly authorized financial advisor before making any financial decision.

3.1. You must be at least 18 years old and have full legal capacity to enter into a binding contract.

3.2. You must not use the Service where doing so would be unlawful in your jurisdiction or if you are prohibited from receiving such services under any applicable law.

3.3. By using the Service, you represent and warrant that you meet these eligibility requirements and that all information you provide is accurate.

4.1. You must provide accurate, current, and complete information when creating your account and keep it up to date.

4.2. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. You must notify us without delay at tradewise75@gmail.com of any suspected unauthorized use.

4.3. We may suspend or terminate accounts that breach these Terms, create legal or security risk, or as otherwise described in Section 11.

5.1. Free trial. The Service may offer a free trial (e.g. 7 days). Unless cancelled before the trial ends, the subscription automatically converts into a paid subscription and the applicable fee is charged.

5.2. Subscription fees. Paid access is provided on a recurring monthly subscription at the prices displayed at the point of purchase (for example €49.99 per month, or the equivalent in the currency you select). Applicable taxes (including Italian IVA where applicable) are indicated at checkout.

5.3. Payment processing. Payments are processed by our third-party payment processor, Stripe. We do not store full payment card numbers. Use of payment services is also subject to the processor's own terms.

5.4. Automatic renewal. Subscriptions renew automatically for successive periods until cancelled. By subscribing, you authorize recurring charges to your selected payment method.

5.5. Cancellation. You may cancel at any time from your account settings. Cancellation stops future renewals; paid access continues until the end of the current paid period.

5.6. Right of withdrawal (consumers). Under the Italian Consumer Code (Codice del Consumo, Legislative Decree 206/2005, implementing EU Directive 2011/83/EU), consumers normally have a 14-day withdrawal right for distance contracts. For digital services, where you expressly request that performance begins before the end of the withdrawal period and acknowledge that you will lose your withdrawal right once the service has been fully performed, the right of withdrawal does not apply to the part already performed, to the extent permitted by law. The withdrawal procedure and a model withdrawal form are made available before purchase.

5.7. Refunds. Except where mandatory consumer law requires otherwise, fees for a period already started are non-refundable.

5.8. Price changes. We may change prices with reasonable prior notice. Changes apply to subsequent billing periods only; continued use after the effective date constitutes acceptance.

7.1. The Service — including its software, source code, design, user interface, text, graphics, scoring methodologies, and all related intellectual property rights — is owned by the Operator or its licensors and is protected by applicable intellectual property laws.

7.2. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your own personal, non-commercial use, strictly in accordance with these Terms.

7.3. You retain ownership of the content you submit (e.g. your trade journal entries, notes, screenshots). You grant us a limited licence to host, process, and display this content solely to operate and provide the Service to you.

7.4. You must not use our name, logo, or branding without prior written consent.

8.1. The Service relies on third-party providers (including, without limitation, market data and financial news APIs, AI processing providers, hosting, database, and payment providers).

8.2. Third-party data may be delayed, inaccurate, incomplete, or unavailable. We do not guarantee the accuracy, timeliness, or availability of any third-party data and are not liable for it.

8.3. Your use of third-party services may be subject to their own terms and privacy policies.

9.1. Certain content (e.g. market briefings, behavioral insights, commentary) is generated using artificial intelligence based on third-party data.

9.2. AI-generated content may contain errors, omissions, or inaccuracies, may be incomplete, and must not be relied upon as a statement of fact or as advice. It is provided strictly as general educational and decision-support context.

9.3. AI-generated content never constitutes a recommendation, signal, or instruction to trade.

10.1. The Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, to the maximum extent permitted by law, including as to accuracy, reliability, fitness for a particular purpose, or uninterrupted availability.

10.2. Trading involves a high level of risk and may result in the loss of all invested capital. Past performance and any historical or simulated metric is not indicative of future results. You acknowledge that you use the Service entirely at your own risk.

10.3. To the maximum extent permitted by applicable law, the Operator shall not be liable for any indirect, incidental, special, consequential, or punitive damages, nor for any trading losses, lost profits, lost opportunities, or loss of data, arising out of or relating to your use of (or inability to use) the Service.

10.4. To the maximum extent permitted by law, the Operator's total aggregate liability arising out of or relating to the Service shall not exceed the total amount you paid to us in the twelve (12) months preceding the event giving rise to the liability.

10.5. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable mandatory law (including liability for fraud, gross negligence, or wilful misconduct, and consumers' non-waivable statutory rights under the Italian Consumer Code).

11.1. You may stop using the Service and close your account at any time.

11.2. We may suspend or terminate your access, with or without notice, if you breach these Terms, if required by law, or to protect the security or integrity of the Service or other users.

11.3. Upon termination, the licence granted to you ends. Sections that by their nature should survive (including Sections 2, 7, 10, 12, and 13) survive termination.

12.1. We may update these Terms from time to time. Material changes will be notified by reasonable means (e.g. email or in-app notice).

12.2. Continued use of the Service after the effective date of the updated Terms constitutes acceptance. If you do not agree, you must stop using the Service.

13.1. These Terms are governed by Italian law, without prejudice to mandatory consumer protection provisions of the country of your habitual residence within the EU.

13.2. The competent courts shall be determined in accordance with applicable law. Consumers may also bring proceedings before the courts of their place of residence; for consumers resident in Italy, the court of the consumer's place of residence or domicile has jurisdiction (foro del consumatore).

13.3. Consumer dispute resolution / ODR. In accordance with EU Regulation 524/2013, the European Commission's Online Dispute Resolution platform is available at: https://ec.europa.eu/consumers/odr. Consumers may also have access to alternative dispute resolution (ADR) bodies under the Italian Consumer Code.

14.1. If any provision is held invalid or unenforceable, the remaining provisions remain in full force.

14.2. Our failure to enforce a provision is not a waiver of it.

14.3. You may not assign these Terms without our consent. We may assign them in connection with a reorganization or transfer of the Service.

14.4. These Terms, together with the Privacy Policy and Risk Disclaimer, constitute the entire agreement between you and the Operator regarding the Service.