Terms of Service

1. Eligibility and account responsibility

You must be at least 18 years old (or the age of legal majority in your jurisdiction) and able to form a binding contract to use Capitrace. You are responsible for the accuracy of the information you provide, for maintaining the confidentiality of your account credentials, and for all activity that occurs under your account. Notify us promptly at contact@capitrace.com if you suspect unauthorized use of your account.

2. Permitted use

You may use Capitrace to plan trades, record and review your own trading activity, manage risk parameters, run simulations, and access the analytics, journaling, and educational tools we make available to your plan. You may use the Service only for your own personal or internal business trading-organization purposes.

3. Prohibited use

• Reverse-engineering, decompiling, or attempting to extract the source code of the Service, except where applicable law expressly permits it.
• Reselling, sublicensing, or providing the Service to third parties as your own product without our prior written consent.
• Uploading unlawful, infringing, or harmful content, or using the Service to violate any applicable law or regulation.
• Attempting to gain unauthorized access to another user's account or data, or to any non-public part of the Service or its infrastructure.
• Using automated means (scraping, bots) to access the Service outside of any API we expressly publish.
• Misrepresenting your identity or impersonating any person or entity.

4. Software license

Subject to these Terms and payment of any applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for its intended purpose during the term of your account. We reserve all rights not expressly granted.

5. Your data and content

You retain ownership of the trading, journal, session, and other data you enter into Capitrace ("User Data"). You grant us a limited license to host, process, and display User Data solely to operate and improve the Service for you. We do not sell User Data. Trial expiration or subscription cancellation does not delete your User Data — see Section 11.

6. Intellectual property

The Service, including its software, design, text, graphics, and the Capitrace name and logo, is owned by Capitrace or its licensors and is protected by intellectual property laws. Nothing in these Terms transfers any ownership right in the Service to you.

7. Trading-risk acknowledgement

Trading financial instruments, including binary options and leveraged foreign exchange, involves substantial risk of loss. Capitrace provides organizational, analytical, and risk-management tooling — it does not place trades, does not guarantee any outcome, and does not provide personalized investment advice. By using the Service you acknowledge the full Risk Disclosure and Financial/Trading Disclaimer, which are incorporated into these Terms by reference, and you accept sole responsibility for your own trading decisions.

8. Third-party services

The Service relies on third-party infrastructure providers, including Supabase (database, authentication) and Vercel (hosting). Your use of the Service is also subject to the applicable terms of those providers where you interact with them directly. We are not responsible for the availability or performance of third-party services outside our control.

9. Payment processing (Stripe)

All payments are processed by Stripe, Inc. Capitrace does not receive or store your full payment card number; Stripe handles that directly under its own terms and privacy policy. You authorize Stripe to charge your chosen payment method for the plan and billing cycle you select.

10. Subscriptions and billing

Paid plans renew automatically for the billing cycle you selected (weekly, monthly, or annual) until cancelled, at the price displayed to you at the time of purchase, unless otherwise stated. A legacy lifetime purchase, where one exists, is a one-time payment with no recurring charge. We will not change the price of an active subscription without notice.

11. Free trial

New accounts receive a 72-hour (3-day) free trial with full access to the features listed on the Pricing page, computed from the server-recorded time your account was created — never from your browser or device clock. No payment method is required to start the trial, and the trial does not automatically convert into a paid subscription: if you take no action, access to paid features ends at trial expiration and you are not charged. Your account, session history, journal, and other User Data are preserved, not deleted, when the trial ends.

12. Cancellation

You may cancel a paid subscription at any time through the Manage Subscription option on the Billing page, which opens Stripe's Customer Portal. Cancellation stops future renewal charges; you retain access to paid features through the end of the period you already paid for. Cancelling does not delete your account or User Data.

13. Refunds

No automated refund process is currently implemented. Refund requests are handled case-by-case — contact contact@capitrace.com and we will respond directly.

14. Service availability

We aim to keep the Service available but do not guarantee uninterrupted or error-free operation. We may perform maintenance, and features may change, be added, or be removed over time, including features marked "Coming Soon" or "Beta", which are not guaranteed to ship on any timeline.

15. Suspension and termination

We may suspend or terminate access to the Service for a violation of these Terms, non-payment, suspected fraud, or legal requirement. Where practical we will provide notice. You may stop using the Service and close your account at any time by contacting contact@capitrace.com. Sections that by their nature should survive termination (e.g. Sections 6, 13–17) survive.

16. Disclaimers of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY CALCULATION, ANALYTIC, SIMULATION, SIGNAL, OR PROJECTION PRODUCED BY THE SERVICE IS ACCURATE, COMPLETE, OR SUITABLE FOR ANY TRADING DECISION.

17. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CAPITRACE AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY TRADING LOSSES, LOST PROFITS, OR LOST DATA, ARISING FROM YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE.

18. Indemnification

You agree to indemnify and hold Capitrace harmless from any claim arising from your use of the Service, your violation of these Terms, or your trading activity and decisions, including reasonable legal fees, to the extent permitted by law.

19. Dispute resolution and governing law

These Terms do not currently designate a specific governing law, venue, or arbitration requirement. We will work with you in good faith to resolve any dispute directly; where a controlling law applies as a matter of course (for example, mandatory consumer-protection law in your place of residence), that law governs to that extent.

20. Changes to the Service or these Terms

We may update these Terms from time to time. Material changes will be reflected by a new effective date and version number at the top of this page. Continued use of the Service after a change takes effect constitutes acceptance of the updated Terms.

21. Referral Program

Capitrace's Referral Program lets an existing account share a personal referral link. A reward (currently: additional days of Capitrace access for both the referrer and the new customer) is granted only after the referred person becomes a real, paying Capitrace customer, confirmed server-side via Stripe — never merely for creating a free account.

Rewards have no cash value, are not transferable, and are not a form of compensation for services. Capitrace may reject a referral it determines, in its reasonable judgment, to be fraudulent, self-referred, or otherwise abusive, and may change or end the Referral Program at any time. If you promote Capitrace publicly through your referral link, you should clearly disclose that you may receive a referral benefit.

22. Contact

Questions about these Terms can be sent to contact@capitrace.com.