Terms of Service

1. Who may use the Service

You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service you represent that you meet these requirements and that any information you provide is accurate and complete. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

2. What Praxis is — and is not

Praxis is a trading analytics, journaling, and risk-management tool. It helps you record, import, and analyze your own trading activity and view informational metrics about your performance and risk.

Praxis is not a broker-dealer, investment adviser, financial planner, or tax professional, and nothing in the Service is financial, investment, legal, or tax advice. All analytics, scores, grades, projections, and other outputs are informational only, are based on data you or your connected accounts provide, and may contain errors. They are not recommendations to buy, sell, or hold any security or other financial instrument. You are solely responsible for your own trading and investment decisions. Trading involves substantial risk of loss and is not suitable for everyone; past performance does not guarantee future results.

3. Accounts and security

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to notify us promptly of any unauthorized use. We are not liable for any loss arising from unauthorized use of your account. You must verify your email address before accessing the Service.

4. Brokerage connections and imported data

The Service may let you connect a brokerage or exchange account through a third-party data provider, or import your activity via file upload. Any such connection is read-only: the Service is designed to read your transaction history and holdings for analysis and can never place trades, transfer funds, or move assets. You are responsible for the accuracy of data you import and for your compliance with the terms of any brokerage or exchange you connect.

5. Subscriptions, trials, and billing

Paid features require a subscription. We currently offer two plans, Core and Premium, billed monthly or annually. Pricing shown at checkout is authoritative.

• Free trial. New subscriptions include a 7-day free trial. A valid payment method is required to start the trial. If you do not cancel before the trial ends, your payment method will be charged for the plan you selected.
• Auto-renewal. Subscriptions automatically renew at the end of each billing period at the then-current price until you cancel. By subscribing, you authorize us and our payment processor to charge your payment method on a recurring basis.
• Cancellation. You may cancel at any time from your account billing settings. Cancellation stops future renewals; you keep access through the end of the period you have already paid for.
• Refunds. Except as required by law, payments are non-refundable. See our Refund & Cancellation Policy for details.
• Price changes. We may change subscription prices. We will give you reasonable advance notice, and changes apply to the next billing period after notice.

Payments are processed by Stripe. By subscribing you also agree to Stripe’s terms. Taxes may apply and may be added to your charges.

6. Acceptable use

You agree not to:

• use the Service for any unlawful purpose or in violation of any applicable regulation;
• attempt to access accounts or data that are not yours, or probe, scan, or breach security or authentication measures;
• reverse engineer, scrape, resell, or create derivative works from the Service except as permitted by law;
• upload malware or interfere with the operation or integrity of the Service; or
• misrepresent your identity or your affiliation with any person or entity.

7. Intellectual property

The Service, including its software, design, and content (excluding your data), is owned by Praxis Risk LLC and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for its intended purpose. You retain all rights to the trading data and content you provide; you grant us a license to process it solely to operate and improve the Service as described in our Privacy Policy.

8. Third-party services

The Service relies on third parties (for example, payment processing, brokerage data connectivity, email delivery, authentication, and hosting). We are not responsible for the acts, omissions, availability, or content of third-party services, and your use of them may be subject to their own terms.

9. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty as to the accuracy, completeness, or reliability of any analytics or data. We do not warrant that the Service will be uninterrupted, secure, or error-free.

10. Limitation of liability

To the maximum extent permitted by law, Praxis Risk LLC and its officers, members, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any trading or investment losses, lost profits, or lost data, arising out of or relating to your use of the Service. Our total aggregate liability for any claim relating to the Service will not exceed the greater of (a) the amount you paid us in the twelve months before the event giving rise to the claim, or (b) USD $100.

11. Indemnification

You agree to indemnify and hold harmless Praxis Risk LLC from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from your use of the Service, your data, or your violation of these Terms or applicable law.

12. Termination

You may stop using the Service at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or to protect the Service or other users. Upon termination, your right to use the Service ends; sections that by their nature should survive (including disclaimers, limitations of liability, and dispute terms) will survive.

13. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by email or in-app notice). Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

14. Governing law

These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws rules. You agree that the state and federal courts located in Miami-Dade County, Florida will have exclusive jurisdiction over any dispute not subject to arbitration, and you consent to their jurisdiction and venue.

15. Contact

Questions about these Terms? Contact us at support@praxisrisk.app.