1. About Us

1.1. We are Trade Algorithm Limited ("Trade Algorithm", "Company", "we", "us", "our"), a company registered in England and Wales with registered office at:

1 Tower House
Tower Centre
Hoddesdon
Hertfordshire
EN11 8UR
United Kingdom

1.2. Contact: [email protected]

1.3. These Terms must be read together with the Operational & Platform Protection Addendum ("Addendum"), which forms part of the contractual agreement between you and the Company. In the event of any conflict between these Terms and the Addendum, these Terms shall prevail.

2. Definitions

2.1. "Services" means the digital services provided by the Company, including:

• Educational materials;
• Software tools (including indicators, scripts, scanners and dashboards);
• Templates and configuration frameworks;
• Community access and educational coaching sessions.

2.2. "Tools" means user-configured software tools and related resources designed to operate on third-party platforms.

2.3. "Templates/Frameworks" means example rule-sets, presets, checklists and configuration examples provided for educational purposes.

2.4. "Third-Party Platforms" means brokers, exchanges, prop firms, execution venues, copy/mirroring utilities, hosting providers, payment processors, and any external services not operated by the Company.

2.5. "Simulated Accounts" means evaluation or simulated trading environments offered by independent third-party prop firms.

2.6. The Services are intended for individuals aged 18 or over. By accessing the Services, you confirm that you are at least 18 years of age and have the legal capacity to enter into a binding agreement.

2.7. By using the Services, you represent and warrant that:

• a) You have the legal capacity to agree to these Terms;
• b) You are not a minor in your jurisdiction of residence;
• c) You will not access the Services through automated or non-human means;
• d) You will not use the Services for any unlawful purpose; and
• e) Your use of the Services will not violate any applicable law or regulation.

3. Nature of the Services (Education-First Positioning)

3.1. The Company provides:

• a) Educational content;
• b) User-configured software tools;
• c) Strategy templates and configuration frameworks;
• d) General market commentary and trade ideas for educational discussion.

3.2. Any trade ideas, illustrative setups, example configurations, or general market commentary provided by the Company are:

• a) General in nature and not personalised to any individual;
• b) Provided solely for educational and informational purposes;
• c) Not investment advice, financial recommendations, or solicitations to trade; and
• d) Not to be interpreted as actionable trading instructions.

3.3. The Company does not:

• a) Provide personalised investment advice;
• b) Manage client funds;
• c) Execute trades on behalf of clients;
• d) Provide discretionary portfolio management;
• e) Guarantee trading performance or outcomes.

3.4. All trading decisions, risk settings, configuration choices, and execution actions are made solely by you.

3.5. If you use automation or trade-mirroring functionality provided by a Third-Party Platform, such functionality is configured and controlled by you. The Company does not operate, supervise, or manage client accounts.

4. No Investment Advice

4.1. The Services are provided for general informational and educational purposes only.

4.2. Nothing provided constitutes financial, investment, legal, tax or accounting advice.

4.3. No advisor-client relationship is created.

4.4. The Company is not authorised or regulated by the Financial Conduct Authority and does not carry out regulated investment activities.

5. Risk Warning and Performance Disclosure

5.1. Trading and investing involve significant risk and may result in financial loss.

5.2. Past performance is not a reliable indicator of future results.

5.3. Any charts, trade examples, backtests, simulated results, or illustrative materials are hypothetical and are not guarantees of future performance.

5.4. Simulated or historical results do not reflect real-time market conditions and may not account for slippage, liquidity, or psychological factors.

6. Testimonials and Marketing Representations

6.1. Testimonials reflect individual experiences and do not represent typical results.

6.2. Individual results vary.

6.3. The Company does not verify that testimonial outcomes are representative.

6.4. You agree not to publish or circulate misleading performance claims about the Services.

7. Third-Party Platforms

7.1. The Company is not responsible for broker or exchange execution, platform outages, data feed inaccuracies, prop firm rule changes nor payment processor disputes.

7.2. You are solely responsible for ensuring compliance with third-party rules.

8. International Use

8.1. The Services are not directed at any jurisdiction where their distribution or use would be contrary to local law or regulation.

8.2. Users accessing the Services from outside the United Kingdom do so on their own initiative and are responsible for compliance with local laws.

9. Fees and Payment

9.1. Prices are displayed at checkout and may be subject to VAT or local taxes.

9.2. Subscription services renew automatically unless cancelled prior to renewal.

9.3. Payments are processed by third-party payment providers.

9.4. You may cancel your subscription at any time by:

• a) Using the cancellation function in your account settings; or
• b) Emailing [email protected] with your account details and a request to cancel.

9.5. Upon cancellation, you will retain access to the Services until the end of your current billing period. No further charges will be applied after cancellation takes effect.

9.6. Cancellation must be completed before the next billing date to avoid being charged for the subsequent period.

9.7. No prorated refunds will be issued for unused portions of a billing period, except where required by applicable law or where the Money-Back Guarantee applies.

10. Digital Content & Consumer Rights

10.1. If you are a UK consumer, you have statutory rights under the Consumer Rights Act 2015.

10.2. Nothing in these Terms limits or removes any mandatory consumer protection rights applicable in your country of residence.

10.3. Where immediate access to digital content is provided, legally required consent mechanisms may apply at checkout.

10A. Privacy and Data Protection

10A.1. We process personal data in accordance with our Privacy Policy, which is available at https://tradealgorithm.co.uk/terms-service#privacy-policy and is incorporated into these Terms by reference.

10A.2. By using the Services, you acknowledge that the Company will collect, store, and process personal data as described in the Privacy Policy, including data necessary for providing and improving the Services, processing payments, communicating with you about your account, determining eligibility for the Money-Back Guarantee, and complying with legal obligations.

10A.3. The Company is committed to compliance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

10A.4. Our use of cookies and similar technologies is described in our Cookies Policy.

11. Money-Back Guarantee Policy

1. Scope of Guarantee

Trade Algorithm Limited ("the Company") offers a limited money-back guarantee relating solely to a customer's access to the Company's platform, software tools, and educational materials.

The guarantee does not relate to, and expressly excludes, any trading results, financial outcomes, profitability, or performance of any strategy, indicator, or configuration.

2. Guarantee Period

Refund requests must be submitted within thirty (30) calendar days of the customer first gaining access to the platform.

Each customer is entitled to one refund only under this policy.

3. Eligibility Requirements

To be eligible for a refund, the customer must demonstrate reasonable educational engagement with the platform, as objectively verified by the Company's systems.

This includes:

• a. Completion of at least 60% of the defined core educational modules, as tracked within the platform.
• b. Attendance at, or viewing of, a minimum of two (2) educational coaching sessions, whether delivered live or via full-length recorded replays.
• c. Review of educational content explaining how tool settings influence behaviour, why different configurations produce different outcomes, and why historical or hypothetical testing does not guarantee live results.
• d. Submission of a brief educational reflection confirming engagement with the educational materials. The reflection shall not require, and shall not assess, trading performance, profit and loss, or strategy outcomes.

4. Explicit Exclusions

Refund eligibility does not require, and shall not be contingent upon, activation of a strategy or automation, configuration of a trading template, trading on a demo or live account, execution of any trades, or submission of trading results or performance data.

The Company does not require customers to trade in order to qualify for a refund.

5. Non-Performance Nature of Guarantee

The money-back guarantee is strictly educational in nature and does not constitute any form of financial advice, trading recommendation, or performance assurance.

6. Grounds for Ineligibility

Refund requests may be declined where the eligibility requirements have not been met, the request is based on trading losses or performance dissatisfaction, the customer seeks a refund outside the guarantee period, or the customer has previously received a refund under this policy.

7. Final Determination

The Company reserves the right to make a final determination on refund eligibility based on objective platform records and adherence to this policy.

Nothing in this guarantee limits the Company's broader rights under these Terms & Conditions.

12. Limitation of Liability

12.1. Nothing excludes liability for death, personal injury, fraud, or any liability that cannot be excluded by law.

12.2. The Company is not liable for trading losses, missed profits, failure to meet third-party evaluation criteria, nor indirect or consequential losses.

12.3. Subject to statutory rights, total liability is limited to the amount paid in the three months preceding the claim.

12.4. The Company shall not be liable for any failure or delay in performing its obligations where such failure or delay results from circumstances beyond its reasonable control, including but not limited to acts of God, pandemic, government action, internet or telecommunications failure, cyberattack, or third-party platform outage.

13. Suspension and Termination

13.1. The Company may suspend or terminate access for fraud, misuse, account sharing, or material breach.

13.2. Termination does not affect accrued rights.

14. Governing Law

14.1. These Terms are governed by the laws of England and Wales.

14.2. Nothing in these Terms limits any mandatory consumer protection rights that apply to you under the laws of your country of residence.

14.3. The courts of England and Wales shall have jurisdiction, subject to mandatory consumer protections.

14A. Complaints and Dispute Resolution

14A.1. If you have a complaint about the Services, please contact us at [email protected]. We will acknowledge your complaint within 5 business days and aim to resolve it within 30 calendar days.

14A.2. Before initiating any formal legal proceedings, both parties agree to attempt to resolve any dispute informally for a period of at least 30 calendar days from the date of written notice of the dispute.

14A.3. If your complaint is not resolved to your satisfaction through our internal process, you may be eligible to refer it to an approved Alternative Dispute Resolution (ADR) provider. Further details of applicable ADR options will be provided upon request.

14A.4. Nothing in this section limits your right to bring proceedings in the courts of England and Wales, or (where applicable) the courts of your country of residence, as provided under clause 14.

15. Entire Agreement

15.1. These Terms constitute the entire agreement between the parties and supersede prior understandings.

15.2. If any provision of these Terms is found by any court or competent authority to be invalid, unlawful, or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the relevant provision shall be deemed deleted. Any modification or deletion of a provision under this clause shall not affect the validity and enforceability of the remaining provisions.

15.3. These Terms do not give rise to any rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of these Terms. No third party shall have the right to enforce or rely upon any provision of these Terms.

15.4. The Company may assign, transfer, or subcontract any or all of its rights and obligations under these Terms to any third party without your prior consent, provided that such assignment does not reduce the protections afforded to you under these Terms.

15.5. You may not assign, transfer, or subcontract any of your rights or obligations under these Terms without the prior written consent of the Company.

15A. Amendments to These Terms

15A.1. The Company reserves the right to amend these Terms from time to time. Changes will be communicated by updating the "Last Updated" date and, where the changes are material, by notifying you via email or through the platform.

15A.2. Material changes will take effect 30 calendar days after notification, unless a longer period is required by applicable law. Your continued use of the Services after the effective date constitutes acceptance of the amended Terms.

15A.3. If you do not agree to any amended Terms, you may cancel your subscription in accordance with clause 9.4 before the changes take effect.

16. Supersession of Prior Agreements

16.1. These Terms supersede and replace any prior agreement between you and the Company, including (without limitation) any previously executed "Agreement for Copy Trading and Simulated Prop Firm Accounts" and any associated annex.

16.2. Your acceptance of these Terms upon account creation or platform access constitutes your agreement to be bound by these Terms and the Addendum in their entirety.

OPERATIONAL & PLATFORM PROTECTION ADDENDUM

(Additional Commercial & Technical Safeguards)

This Operational & Platform Protection Addendum ("Addendum") forms part of the contractual agreement between you and Trade Algorithm Limited and is incorporated into, and must be read together with, the Trade Algorithm Terms & Conditions ("Core Terms"). By agreeing to the Core Terms, you also agree to the provisions of this Addendum. In the event of any conflict between the Core Terms and this Addendum, the Core Terms shall prevail.

1. Intellectual Property Protection

1.1. All intellectual property rights in the Services, including but not limited to software code, indicators, scripts, templates, content, branding, materials, databases, design elements, and educational materials, remain the exclusive property of the Company or its licensors.

1.2. Except as expressly permitted, you may not:

• a) Copy, reproduce, distribute, republish, upload, post, transmit, or commercially exploit any part of the Services;
• b) Reverse engineer, decompile, disassemble, or attempt to derive source code;
• c) Create derivative works based on the Tools or Templates;
• d) Remove or alter proprietary notices;
• e) Use the Services to create a competing product.

1.3. Any unauthorised commercial use constitutes a material breach.

2. Licence Scope and Restrictions

2.1. Access to the Services grants a limited, revocable, non-exclusive, non-transferable licence for personal use only.

2.2. Account access is personal to the purchaser and must not be shared.

2.3. The Company may suspend or terminate access where misuse, credential sharing, or redistribution is reasonably suspected.

3. Acceptable Use & Community Conduct

3.1. You must not:

• a) Provide or request personalised investment advice within community channels;
• b) Post misleading performance claims;
• c) Represent trade examples as guaranteed outcomes;
• d) Scrape, mine, or extract data from the platform;
• e) Upload malicious code;
• f) Impersonate another user.

3.2. The Company may moderate, remove, or restrict content to maintain compliance integrity.

4. Platform Availability & Technical Limitations

4.1. The Services are provided on an "as available" basis.

4.2. The Company does not guarantee uninterrupted availability.

4.3. The Company is not liable for:

• a) Downtime;
• b) Data feed errors;
• c) Integration failures with Third-Party Platforms;
• d) Compatibility issues caused by third-party software updates.

4.4. The Company may update, modify, or discontinue features where necessary for compliance, security, or operational reasons.

5. No Reliance & Independent Decision-Making

5.1. You acknowledge that any use of the Services involves independent judgment.

5.2. You agree not to rely solely on the Services when making financial decisions.

5.3. You confirm that you understand that trading outcomes depend on individual configuration, market conditions, and risk management decisions made by you.

6. Indemnification (Narrow, Commercially Reasonable)

6.1. You agree to indemnify and hold the Company harmless from claims arising from:

• a) Your misuse of the Services;
• b) Your breach of the Terms;
• c) Your violation of third-party rights;
• d) Your unlawful conduct.

6.2. This indemnity does not apply to claims caused by the Company's negligence or fraud.

7. Data, Security & Integrity

7.1. You are responsible for maintaining secure access credentials.

7.2. The Company may suspend access if suspicious activity is detected.

7.3. The Company performs reasonable security measures but does not guarantee that the Services will be free from vulnerabilities.

8. Anti-Abuse & Chargeback Protection

8.1. Where a chargeback is initiated without prior engagement with support, the Company may suspend access during investigation.

8.2. Repeated refund or chargeback behaviour may result in permanent refusal of service.

8.3. The Company may retain reasonable evidence of platform engagement for refund determination and dispute resolution.

9. Severability

If any provision of this Addendum is found unenforceable, the remainder remains valid and enforceable.