01The agreement
These Terms of Service ("Terms") are a contract between you and Just Impact LTD OOD, a company registered in Bulgaria (company number 207883891) with its registered office at 9Zh Boris Rumenov Str., 1407 Sofia, Bulgaria ("TradeFluent", "we", "us"). They govern your use of the TradeFluent apps for iOS, Android and web, and the website at tradefluent.app (together, the "Service").
By creating an account or using the Service you agree to these Terms and to our Privacy Policy, which explains how we handle your data. If you do not agree, please do not use the Service.
02Who can use it
You must be at least 18 years old and legally able to enter into a contract where you live. If you use the Service on behalf of a company, you confirm you have authority to bind it to these Terms.
03Education, not advice
More specifically:
- Cards, quizzes, scenarios and explanations are generic educational material. They do not take your personal circumstances, goals or risk tolerance into account.
- Scenario charts are illustrative. They may be simplified, historical or constructed for teaching and should not be read as a signal about any real market.
- Scores, streaks and progress metrics measure how you engage with the Service. They say nothing about how you will perform in a market.
- We are not a broker, exchange, investment adviser or portfolio manager, we are not regulated as one, and we never hold, move or access your funds or brokerage accounts.
- If you need advice, consult a licensed professional in your jurisdiction.
04Your account
- You need an account to use the app. You can sign up with an email and password, or with Google or Apple.
- Give us accurate information and keep it current. One person, one account.
- You are responsible for keeping your credentials private and for everything that happens under your account. Tell us right away at team@justimpact.net if you think someone else has access.
- You can delete your account at any time as described in the Privacy Policy.
05Pro subscriptions
Free and Pro
The core Service, including the daily session, scenarios, learn, streaks and your Rulebook, is free. TradeFluent Pro is an optional paid subscription that unlocks additional features, currently the 8-week progress trend, with more to come. We may change which features are included in Pro, but we will not remove a feature you have paid for during a billing period you have already paid for.
Buying through the app stores
Pro is sold as an auto-renewing subscription through Apple's App Store or Google Play, billed to the payment method on your store account. Apple or Google, not us, is the merchant of record. Their terms apply to the purchase in addition to these Terms, and they handle payment, receipts, taxes and refunds.
Free trial and renewal
- New Pro subscribers get a 7-day free trial, once per store account.
- Unless you cancel at least 24 hours before the trial ends, the subscription converts to a paid plan at the price shown in the store when you subscribed, and renews automatically each month or year.
- Your store account is charged for renewal within 24 hours before the end of the current period.
Cancelling
Cancel at any time in your App Store or Google Play subscription settings. Deleting the app or your TradeFluent account does not cancel a subscription. After you cancel, Pro stays active until the end of the period you have paid for and is not renewed.
Refunds
Refunds are handled by Apple or Google under their policies. If you live in the EU or UK, you normally have a 14-day right to withdraw from a digital subscription; by starting the trial or a paid period you agree that we begin providing the Service immediately, and the store's refund process is the way to exercise any remaining right. Where the law gives you a non-waivable right to a refund, nothing here limits it.
Price changes
If we change the price of Pro, the store will notify you in advance and the new price will apply only from your next renewal, and only if you have agreed to it where the store requires agreement.
06Acceptable use
Use the Service for its purpose: your own learning. Don't:
- copy, scrape, resell or redistribute our content, cards, quizzes or scenarios, or build a competing product from them;
- reverse-engineer, decompile or try to extract the source code of the apps, except where the law permits;
- bypass, probe or interfere with security, rate limits, row-level access controls or the subscription gate;
- use bots, scripts or automation to access the Service;
- share your account, or access someone else's;
- upload anything unlawful, or anything that infringes someone else's rights or contains their personal data;
- use the Service to market, signal or solicit trades to others.
07Your content
The rules you write in your Rulebook and anything else you enter into the Service are yours. You give us a limited, non-exclusive licence to store, back up, process and display that content to you so that the Service can work, and to analyse it in anonymised, aggregated form. We do not publish your Rulebook or share it with other users. The licence ends when the content is deleted, except for copies in routine backups that roll over within 30 days.
08Our content
The Service, including the apps, the website, the TradeFluent name and waveform logo, and all cards, quizzes, scenarios, charts, text, design and code, is owned by Just Impact LTD OOD or our licensors and protected by copyright, trademark and other laws. We grant you a personal, non-transferable, revocable licence to use the apps on devices you own or control, for your own non-commercial learning, in line with these Terms and with the usage rules of the store you downloaded them from. We keep all rights not expressly granted.
If you send us feedback or suggestions, we may use them without any obligation to you.
09Third-party services
The Service relies on providers such as Apple, Google, Supabase, RevenueCat and PostHog for sign-in, hosting, billing, notifications and analytics. Their availability affects ours. Where you use a third-party sign-in or store, that provider's terms also apply to your relationship with them. Apple and Google are third-party beneficiaries of these Terms where their developer agreements require it, and may enforce them against you.
10Changes and availability
We are a small team building the Service in the open, and it will change. We may add, alter or remove features and content, and we may suspend the Service for maintenance or for reasons outside our control. We aim for high availability but do not guarantee the Service will be uninterrupted or error-free. If we discontinue the Service entirely, we will give reasonable notice and, for Pro subscribers, a pro-rata refund of any period not yet provided, where the store's mechanisms allow it.
11Ending the agreement
You can stop using the Service and delete your account at any time. We may suspend or close your account if you materially breach these Terms, if the law requires it, or if your account has been inactive for more than [24 months] after we have warned you by email. On closure, your right to use the Service ends and your data is handled as described in the Privacy Policy. Sections 3, 7, 8, 12 and 13 survive.
12Disclaimers and limitation of liability
To the extent permitted by law, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including fitness for a particular purpose, accuracy of content, or that it will meet your needs.
To the extent permitted by law, we are not liable for any trading or investment losses, lost profits, lost data, or indirect, incidental, special or consequential damages arising from your use of or inability to use the Service, even if we were told they were possible. Our total liability to you for all claims relating to the Service in any 12-month period is limited to the greater of the amount you paid us for Pro in that period and EUR 50.
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud, for gross negligence or wilful misconduct, or any liability or consumer right that cannot be excluded or limited under the law that applies to you. If you are a consumer in the European Union, you keep every mandatory protection of the law of the country where you live.
13Governing law and disputes
These Terms are governed by the laws of the Republic of Bulgaria, without prejudice to mandatory consumer protections of your country of residence if you live elsewhere in the EU or EEA. Disputes will be heard by the competent courts of Bulgaria, or, if you are a consumer, by the courts of your home country where the law gives you that choice.
If something goes wrong, please talk to us first at team@justimpact.net; most problems are quicker to fix than to litigate. EU consumers can also use the European Commission's online dispute resolution platform at ec.europa.eu/consumers/odr.
14Changes to these terms
We may update these Terms. For material changes we will give you at least 30 days' notice in the app or by email before they take effect, and you may end the agreement before that date if you don't accept them. Continuing to use the Service after the effective date means you accept the updated Terms. Minor changes, like fixing a typo or clarifying wording, may take effect immediately.
15Contact
Just Impact LTD OOD
9Zh Boris Rumenov Str., 1407 Sofia, Bulgaria
team@justimpact.net