1. Acceptance of Terms

By accessing, browsing, or using TradePrism ("the Platform", "Service", "we", "us", or "our"), operated by TradePrism Ltd ("the Company"), you ("User", "you", or "your") acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions ("Terms"), the jurisdiction-specific riders in Section 11, the Acceptable Use Policy, and the Privacy Policy included herein. If you do not agree to these Terms, you must not access or use the Platform.

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or in-app notification at least thirty (30) days before taking effect. Continued use of the Platform after the effective date of changes constitutes acceptance of the revised Terms.

2. Nature of the Service — Research & Information Only

IMPORTANT: TradePrism is a market research and information platform. The Platform does NOT provide personalized investment advice, trading advice, tax advice, legal advice, portfolio management, or any other form of regulated financial or professional service.

All data, analysis, signals, scores, debate outputs, AI-generated content, causal graphs, scout reports, backtesting results, ticker framings, analytical setups, entry/stop/target levels, confidence scores, and any other output produced by the Platform (collectively, "Platform Output") are provided strictly as market research and informational analysis for your independent evaluation. Platform Output is designed to inform your research, not to replace it.

Platform Output is impersonal — it is not tailored to any individual user's financial circumstances, investment objectives, risk tolerance, tax position, or legal constraints. No fiduciary, advisory, or client relationship is created between you and the Company by your use of the Platform. You acknowledge that any decision to execute trades, invest, hold, or divest in any financial instrument is made entirely at your own risk and discretion.

You acknowledge that you are a sophisticated market participant capable of independently evaluating the analytical output, that you will not treat Platform Output as a recommendation or directive, and that the Company shall bear no liability whatsoever for financial losses, damages, or consequences arising from your reliance on Platform Output.

3. Eligibility — Account Segments

The Platform serves three distinct customer segments. The segment you select at signup determines which features are available to you and which obligations apply. Regardless of segment, you must be at least eighteen (18) years of age (twenty-one (21) years or older in jurisdictions that require it), provide accurate and complete registration information, maintain the security of your account credentials, and promptly notify us of any unauthorized access or suspected compromise.

3.1 Retail Segment — Educational & Research Tools

The Retail segment is available to individual users who want access to educational market research, general market data, portfolio tracking, Sharia-compliance screening, and other non-directional analytical tools. Retail accounts explicitly do NOT have access to Platform Output that could reasonably be construed as a personalized investment recommendation, including but not limited to: AI debate verdicts, scout trade ideas, signal alerts, Kelly Criterion position sizing, discounted cash flow valuations with buy/hold/sell labels, agent briefings that name a specific direction on a specific security, and backtest outputs framed as strategy recommendations. Retail chat queries that solicit personalized investment advice (e.g., "should I buy X?", "what's your top pick?") will be refused by the Platform without an LLM call. This gating is intentional: it keeps the Platform within the US publisher exemption (Lowe v. SEC, 472 U.S. 181 (1985)) and equivalent informational-publisher carve-outs in the UK, EU, and GCC, so that retail users can benefit from market research without the Platform acting as an unlicensed investment adviser.

3.2 Professional Segment — Full Platform (Attestation Required)

The Professional segment is available to professional investors, institutional investors, and other sophisticated market participants as defined under the laws of your jurisdiction (see Section 11 for jurisdiction-specific criteria). Professional accounts unlock the full directional analytical surface (debate, scout, signals, Kelly, DCF, backtests, agent briefings, and related features). To use the Professional segment, you must:

• Qualify as a professional client, accredited investor, sophisticated investor, or institutional investor under the laws of your jurisdiction (see Section 11);
• Self-attest to your qualifying status at signup, and re-attest whenever your status materially changes or these Terms are materially revised;
• Acknowledge that the directional analytical surface is made available on the basis of your self-attestation and that you forgo the retail-investor protections provided by regulated investment advisers in your jurisdiction.

The Company relies on your self-attestation in good faith. Providing false information regarding your professional status is a material breach of these Terms and may expose you to civil liability under applicable securities law in addition to termination of your account and forfeiture of any prepaid subscription fees.

3.3 Enterprise Segment — Contractual Terms Control

The Enterprise segment is available to institutional customers (banks, asset managers, wealth platforms, family offices, market-data redistributors, and similar counterparties) under a negotiated master services agreement. Where the Enterprise contract conflicts with these Terms, the Enterprise contract controls. Enterprise deployments may include single-tenant hosting, on-premise installation, OEM white-labeling, and service level commitments not available to Retail or Professional accounts.

You are solely responsible for all activity under your account and for selecting the correct segment at signup. Misrepresenting your segment to obtain features not intended for your actual eligibility is a material breach of these Terms.

4. Not an Investment Adviser — No Regulated Services

TradePrism is NOT registered as a broker-dealer, investment adviser, investment manager, financial planner, securities exchange, alternative trading system, money services business, or in any other regulated financial capacity with any regulatory authority, including but not limited to: the US Securities and Exchange Commission (SEC), the UK Financial Conduct Authority (FCA), the European Securities and Markets Authority (ESMA), the Dubai Financial Services Authority (DFSA), the Abu Dhabi Global Market (ADGM) Financial Services Regulatory Authority, the Saudi Capital Market Authority (CMA), or any equivalent body in any jurisdiction where users may be located.

The Platform does not execute trades, hold client assets, facilitate the transfer of funds, intermediate investment transactions, or manage portfolios on behalf of users. No custodial, fiduciary, or advisory relationship is created by use of the Platform. All trading and investment activity occurs exclusively through the user's own brokerage relationships and under the user's own decision-making authority.

5. No Warranty on Data Accuracy or AI Output

The Platform aggregates data from third-party sources including but not limited to market data providers, news APIs, economic indicators (FRED, Finnhub, Polygon, SEC EDGAR, and others), and large language models (LLMs) operated by third parties including Anthropic (Claude), OpenAI (GPT), xAI (Grok), DeepSeek, and others via routing providers such as OpenRouter. We do not guarantee, represent, or warrant:

• The accuracy, completeness, timeliness, or reliability of any data or Platform Output;
• That data feeds will be uninterrupted, error-free, or free from delays;
• That AI-generated analysis, interpretations, setups, verdicts, or predictions will be correct;
• That LLMs will not hallucinate, produce factually incorrect statements, misrepresent data, or generate misleading analysis;
• That backtesting results are indicative of future performance;
• That technical indicators, signals, scores, or analytical setups reflect current market conditions or will produce profitable outcomes;
• That the Platform will be uninterrupted, secure, or error-free.

You acknowledge that AI models can and do produce incorrect or misleading output, and that you must independently verify all Platform Output before acting on it. Past performance, whether real or simulated through backtesting, is not indicative of future results. Analytical output is not a prediction.

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY, ITS DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR:

• Any direct, indirect, incidental, special, consequential, exemplary, or punitive damages;
• Loss of profits, revenue, data, goodwill, anticipated savings, or business opportunities;
• Trading losses, investment losses, or other financial losses resulting from actions you take based on Platform Output;
• Losses arising from data inaccuracies, delays, omissions, or third-party API outages;
• Losses arising from AI model errors, hallucinations, incorrect predictions, or flawed reasoning;
• Damages resulting from unauthorized access to, interruption of, or alteration of your data;
• Damages resulting from interruption, suspension, or cessation of the Service.

In no event shall the Company's total aggregate liability exceed the greater of (a) the amount you have paid to TradePrism in the twelve (12) months preceding the claim, or (b) USD $100. This limitation applies regardless of the legal theory under which the claim is made (contract, tort, negligence, strict liability, or otherwise) and survives termination of these Terms.

Nothing in these Terms excludes or limits liability for death, personal injury caused by negligence, fraud, fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable law.

7. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its directors, officers, employees, affiliates, agents, licensors, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use of the Platform;
• Your violation of these Terms, the Acceptable Use Policy, or the Privacy Policy;
• Any trading, investment, or other financial decisions you make based on Platform Output;
• Any false or misleading representation you make regarding your eligibility or professional status (Section 3);
• Your violation of any applicable law, rule, or regulation;
• Any content you submit, transmit, or publish through the Platform;
• Any intellectual property infringement claims arising from your use of the Platform.

8. User Responsibility for Trading & Investment Decisions

You are solely responsible for all trading and investment decisions you make based on or informed by Platform Output.

You acknowledge that:

• The Platform does not execute trades, place orders, or manage positions on your behalf;
• Any action you take in financial markets, based on or informed by Platform Output, is your independent decision and your sole responsibility;
• You have (or have independently obtained) the financial knowledge, experience, and resources necessary to evaluate the risks of your investment choices;
• You accept full responsibility for the financial consequences of your decisions, including any losses;
• You are solely responsible for ensuring that your use of the Platform and any resulting trades or investments comply with all laws, regulations, and personal requirements applicable to you, including but not limited to securities laws, tax laws, sanctions regimes, and personal religious or ethical requirements (including Sharia compliance standards).

9. Sharia Compliance Screening — Research Tool, Not Religious Guidance

The Platform provides Sharia compliance screening as an informational research aid only. Screening is based on publicly available financial data and algorithmic application of common screening methodologies (including AAOIFI, DJIM, S&P Shariah, and MSCI Islamic standards). It does NOT constitute a fatwa, religious ruling, or certification by any qualified Islamic scholar, Sharia advisory board, or regulated Sharia certification body.

You acknowledge that you are solely responsible for determining whether any investment or financial instrument meets your personal Sharia compliance requirements, and that you will consult a qualified Islamic finance scholar or advisory board independently where authoritative religious guidance is required.

10. User-Generated Content & Signal Studio

If you publish, share, or make available any content on the Platform, including but not limited to signals, trade setups, analysis, commentary, or data source integrations ("User Content"), you represent and warrant that:

• You have all rights necessary to publish the content;
• The content does not infringe any third-party rights;
• You are authorized under applicable law to publish the content (including any professional or regulatory authorizations required in your jurisdiction);
• The content is truthful, not misleading, and presented as research and analysis rather than as personalized recommendations to other users;
• You indemnify the Company for any claims arising from your User Content.

The Company acts as a neutral distribution platform for User Content. The Company does not endorse, verify, or guarantee any User Content, and any reliance on User Content by other users is at the relying user's sole risk. The Company reserves the right to remove User Content that violates these Terms, the Acceptable Use Policy, or applicable law.

If you participate in the Signal Studio marketplace as a signal creator, you acknowledge that you are acting as an independent content creator, not as an agent or employee of the Company, and you are solely responsible for any regulatory obligations applicable to your content in your jurisdiction.

11. Jurisdiction-Specific Professional Investor Criteria

This section applies to users who select the Professional segment at signup (see Section 3.2). Retail and Enterprise users are governed by Sections 3.1 and 3.3 respectively. The following criteria apply depending on the jurisdiction under which you attest to your professional investor status. You must meet at least one qualifying criterion in your jurisdiction to use the Professional segment. These criteria are provided in summary form for clarity; the full regulatory definitions apply, and you should consult them before attesting.

12. Geographic & Jurisdictional Restrictions

The Platform is not available in all jurisdictions. You are responsible for ensuring that your access to and use of the Platform — and, if you use the Professional segment, your qualification as a professional investor under Section 11 — comply with the laws of your jurisdiction.

The Company reserves the right to restrict or deny access from any jurisdiction at its discretion, including jurisdictions where either the Retail segment's informational-research framing or the Professional segment's self-attestation framework is incompatible with local regulatory regimes.

The Platform is not directed at any user under the age of eighteen (18). Where local law requires a higher minimum age (for example, twenty-one in some jurisdictions) that higher age applies.

13. Intellectual Property

All content, features, functionality, trademarks, proprietary technology, AI prompts, model-routing logic, Causal Effects Graph structures, analytical frameworks, and brand identity of the Platform are owned by the Company and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your own research and internal decision-making, for the duration and within the scope of your active subscription.

You may not: (a) copy, modify, distribute, or create derivative works based on the Platform; (b) reverse engineer, decompile, or otherwise attempt to derive the source code or underlying models; (c) use the Platform to build a competing product or service; (d) resell, sublicense, or commercially exploit Platform Output; (e) use automated systems (bots, scrapers, crawlers) to access the Platform without our written consent; (f) use the Platform in a manner that interferes with or disrupts the service for other users.

14. Third-Party Services & Data

The Platform integrates with third-party services and APIs, including but not limited to AI providers (Anthropic, OpenAI, xAI, OpenRouter), market data providers (Polygon, Finnhub, yfinance, FRED, SEC EDGAR), news providers (Serper), payment processors (Stripe), analytics providers (PostHog, Sentry, Microsoft Clarity), and infrastructure providers (Hetzner, Docker, PostgreSQL). We are not responsible for the availability, accuracy, or policies of third-party services. Your use of third-party data and services may be subject to additional terms imposed by those providers.

15. Subscription, Billing & Refunds

Paid subscriptions are billed on a recurring basis (monthly or annually) in advance. Enterprise subscriptions may be billed via invoice with standard payment terms. You may cancel at any time; cancellation takes effect at the end of the current billing period and no pro-rated refund is provided for partial periods unless required by law. Token allocations are non-refundable once consumed.

The Company reserves the right to change pricing with thirty (30) days' notice. Grandfathered pricing, if offered, is subject to the specific terms of that offer and is not a permanent commitment by the Company.

16. Termination

We may suspend or terminate your access to the Platform at any time, with or without cause, with or without notice, including (without limitation) if we believe: (a) you have breached these Terms; (b) you no longer qualify as a professional investor under Section 11; (c) you have provided false or misleading information at signup or re-attestation; (d) your use of the Platform violates applicable law; or (e) your use creates risk or liability for the Company.

You may terminate your account at any time via the account settings. Upon termination, your right to use the Platform ceases immediately. Provisions that by their nature should survive termination (including limitation of liability, indemnification, intellectual property, governing law, and dispute resolution) shall survive.

17. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict-of-law provisions. Any disputes arising under or in connection with these Terms shall be resolved exclusively through binding arbitration administered by the London Court of International Arbitration (LCIA) in accordance with the LCIA Arbitration Rules then in force. The seat of arbitration shall be London, United Kingdom. The language of arbitration shall be English. The number of arbitrators shall be one (1) for disputes involving amounts under USD $100,000, and three (3) for larger disputes.

Notwithstanding the above, the Company may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property or to prevent imminent harm.

CLASS ACTION WAIVER: You agree that any arbitration or legal proceeding shall be conducted only on an individual basis and not as a class action, collective action, or representative proceeding, to the maximum extent permitted by applicable law.

18. Force Majeure

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: natural disasters, war, terrorism, civil unrest, pandemics, government actions, sanctions, power failures, internet or telecommunications failures, cyber attacks, failures of third-party services or APIs, or denial-of-service attacks.

19. Severability & Entire Agreement

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

These Terms, together with the Privacy Policy (Section 21 onwards), Acceptable Use Policy, and any other policies referenced herein, constitute the entire agreement between you and the Company and supersede all prior agreements, understandings, and representations.

20. Acceptable Use Policy

You agree not to use the Platform to:

• Violate any applicable law, regulation, or third-party right;
• Engage in market manipulation, insider trading, pump-and-dump schemes, wash trading, front running, spoofing, or any other form of market abuse;
• Distribute Platform Output to users who have not agreed to these Terms;
• Represent Platform Output as personalized investment advice to any third party;
• Hold yourself out as being advised by or acting on behalf of the Company in any way;
• Transmit viruses, worms, trojans, or any other malicious code;
• Attempt to gain unauthorized access to any part of the Platform, other user accounts, or our infrastructure;
• Use the Platform to process or store information subject to HIPAA, PCI DSS (beyond normal payment flow), or other heightened regulatory regimes;
• Abuse or harass any Platform staff, other users, or third parties via Platform communication channels;
• Use the Platform to process data from sanctioned jurisdictions or on behalf of sanctioned persons under OFAC, EU, UK, or equivalent sanctions regimes.

21. Data Controller

TradePrism Ltd is the data controller for personal data processed through the Platform. For data protection enquiries, contact us at: privacy@tradeprism.ai

22. Personal Data We Collect

We collect and process the following categories of personal data:

• Account Data: Email address, full name, organisation name, hashed password, jurisdiction declared at signup;
• Professional Attestation Data: The specific professional investor category you attested to, the timestamp of the attestation, the IP address and user agent at the time of attestation, the version of the Terms you accepted;
• Usage Data: Pages visited, features used, queries submitted, timestamps, IP address, browser/device information;
• Research Data: Watchlist tickers, portfolio snapshots, alert configurations, chat query history (we do NOT store brokerage credentials or execute trades);
• Communication Data: Support correspondence, feedback submitted;
• Billing Data: Payment information processed securely by our third-party payment processor (we do not store full card details);
• Technical Data: Cookies, local storage tokens, session identifiers, error logs.

23. Legal Basis for Processing (GDPR / UK GDPR)

We process your personal data under the following legal bases as defined by the UK GDPR and EU GDPR:

• Contractual Necessity (Art. 6(1)(b)): To provide and maintain your account and the Service;
• Legal Obligation (Art. 6(1)(c)): To maintain records of your professional investor attestation for regulatory and evidentiary purposes, to comply with applicable financial regulation, anti-money-laundering law, and legal process;
• Legitimate Interests (Art. 6(1)(f)): To improve the Platform, prevent fraud and abuse, ensure security, and defend legal claims. A legitimate interests assessment has been conducted and is available on request;
• Consent (Art. 6(1)(a)): For marketing communications and non-essential analytics cookies. You may withdraw consent at any time.

24. How We Use Your Data

• Provide, operate, and maintain the Platform;
• Authenticate your identity and manage your account;
• Record and verify your professional investor attestation status;
• Process payments and manage subscriptions;
• Send service-related notifications, security alerts, and transactional email;
• Improve the Platform, fix bugs, and add features;
• Analyse usage patterns to enhance functionality (in anonymized or aggregated form where feasible);
• Comply with legal obligations and enforce our Terms.

25. Data Sharing & Third Parties

We may share your data with:

• AI Service Providers: Chat queries and research requests are sent to AI providers (Anthropic, OpenAI, xAI, DeepSeek, Qwen via OpenRouter) to generate analytical output. These providers process data under their own privacy policies;
• Payment Processors: Stripe and any invoice-based processors for billing and subscription management;
• Infrastructure Providers: Hosting (Hetzner), CDN, database, logging, and monitoring services (PostHog, Sentry, Microsoft Clarity);
• Market Data Providers: Polygon, Finnhub, FRED, SEC EDGAR, yfinance, Serper — we send ticker lookups and research queries; we do not send your personal data;
• Legal Authorities: When required by law, court order, regulator request, or legal process.

We do NOT sell your personal data to third parties. We do NOT share your data for third-party advertising purposes.

26. International Data Transfers

Your data may be transferred to and processed in countries outside the UK / EEA / your own jurisdiction, including the United States (for AI processing and infrastructure). Such transfers are protected by: (a) Standard Contractual Clauses (SCCs) approved by the European Commission and the UK ICO; (b) adequacy decisions where available; or (c) other lawful transfer mechanisms under applicable data protection law.

27. Data Retention

We retain your personal data for as long as your account is active or as needed to provide the Service. Upon account deletion, personal data is erased within thirty (30) days, except where retention is required by law (for example, billing records for tax purposes, retained for up to seven (7) years, and professional investor attestation records, retained for regulatory / evidentiary purposes for the duration required by applicable securities law). Anonymised, aggregated data may be retained indefinitely for analytical purposes.

28. Your Rights (GDPR / UK GDPR)

Under applicable data protection law, you have the right to:

• Access: Request a copy of your personal data (Art. 15);
• Rectification: Request correction of inaccurate data (Art. 16);
• Erasure: Request deletion of your data (Art. 17), subject to legal retention requirements;
• Restriction: Request restriction of processing (Art. 18);
• Portability: Receive your data in a structured, machine-readable format (Art. 20);
• Objection: Object to processing based on legitimate interests (Art. 21);
• Withdraw Consent: Where processing is based on consent, withdraw at any time;
• Complaint: Lodge a complaint with a supervisory authority (UK ICO, or relevant EU DPA).

To exercise these rights, contact privacy@tradeprism.ai. We will respond within thirty (30) days.

29. Cookies & Local Storage

The Platform uses essential cookies and local storage for authentication (JWT tokens) and user preferences. We use limited analytics cookies (PostHog, Microsoft Clarity, Sentry) to improve the Service; you may opt out of non-essential cookies via your account settings. Essential cookies cannot be disabled as they are necessary for the Platform to function.

30. Security

We implement appropriate technical and organisational measures to protect your personal data, including encryption in transit (TLS 1.2+), hashed passwords (bcrypt), tenant-level row-level security in the database, access controls, and regular security reviews. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security. You are responsible for maintaining the security of your account credentials and notifying us of any suspected compromise.

31. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or in-app notification at least thirty (30) days in advance. Continued use of the Platform after the effective date of changes constitutes acceptance of the updated policy.