Terms of Service

1About these Terms

These Terms of Service (the “Terms”) are an agreement between you and the AlgoNexus entity that serves your country (“AlgoNexus”, “we”, “us”). They apply to the website at algonexus.trade, the web dashboard, the mobile and desktop apps, Nexus Assist and the AlgoNexus APIs (together, the “Service”).

Other documents form part of these Terms: the Privacy Notice, Risk Disclosure, Acceptable Use Policy, Refund & Cancellation Policy and, for developers, the API & MCP Terms. If they conflict, the regional addendum for your country prevails, then these Terms, then the other documents.

2Eligibility and your account

• You must be at least 18 (or the age of majority where you live) and able to enter a binding contract. Custodial and joint accounts are offered only where we say so.
• You must give accurate information, including for identity verification (KYC), and keep it up to date. Live features are available only after verification is complete.
• You are responsible for keeping your sign-in methods secure. Use a passkey or multi-factor authentication. Tell us at once at security@algonexus.trade if you suspect misuse.
• The Service is not available to residents of sanctioned jurisdictions or to people on sanctions lists.

3What AlgoNexus is — and is not

• Research and tools. We provide analysis, goal-feasibility estimates, simulated (“paper”) trading, reports and software that can transmit instructions to a brokerage account you hold.
• Not a broker or custodian. Your account, cash and securities are held by your broker. Your broker executes, clears and settles orders under its own terms, and its investor-protection arrangements apply.
• Regulated features are switched off until authorised. We do not currently hold investment-adviser, research-analyst, portfolio-management or investment-firm authorisation in any market (see Regulatory Status). Until we do, the Service operates on paper and its output is general information, not a personal recommendation.
• When an authorisation is granted for your market, we will tell you what changes and ask for any consents the law requires before live features start.

4Copilot, Autopilot and your investment policy

• Copilot proposes trades. No order is sent until you approve it, and proposals expire if you do not act.
• Autopilot may send orders without asking you each time, but only within the written investment policy you review and e-sign (for example position limits, cash reserve, allowed instruments, order limits and drawdown rules). Each change creates a new version.
• Every order — in either mode — is checked by an automated risk gate. If a check cannot be completed, the order is not sent.
• You may pause Autopilot, or use the kill switch to stop all new orders, at any time. Stopping does not close existing positions unless you instruct your broker or us to do so.

5Connecting a broker

• You connect a broker through its official authorisation flow or API keys you create. We never ask for your broker password, PIN or one-time codes.
• You authorise us to read your account data and, for live features where available, to transmit orders within your policy. You can revoke access at your broker or in Settings at any time.
• Brokers may change or withdraw their APIs, require daily re-authorisation or reject orders. We are not responsible for a broker’s acts, omissions, outages or fees.

6Your responsibilities

• Read the Risk Disclosure and only invest money you can afford to lose.
• Keep your policy, risk profile and personal circumstances up to date; our output depends on them.
• Review your reports and your broker statements, and tell us promptly about anything that looks wrong.
• Comply with the Acceptable Use Policy and all laws that apply to you, including tax reporting.

7No guarantee of returns

Investments can go down as well as up. Projections, goal probabilities, simulations, back-tests and paper results are estimates with significant limitations and are not promises or forecasts of future results. We do not guarantee any return, any level of performance or that you will reach a goal, and no employee or AI output may make such a promise on our behalf.

8AI-generated output

• Parts of the Service are generated by machine-learning models, including large language models. They can be wrong, incomplete or out of date, and can state errors confidently.
• Models never place orders directly. Orders are created only through the risk-checked order service described above.
• You can ask for a human review of a decision that significantly affects you; see the AI Transparency Statement.

9Trials, subscriptions and taxes

• New accounts may receive a 14-day trial. On the web no payment card is needed for the trial; in the iOS and Android apps an introductory offer is managed by Apple or Google.
• Paid plans renew automatically for the same period until cancelled. Prices include or exclude taxes as shown at checkout. We will give you notice before a price change takes effect, and you may cancel before it does.
• If a trial ends or a payment fails and is not resolved after our retry period, live features and new orders are suspended. Your reports, data export and read-only dashboard remain available. We never sell your holdings or abandon open orders silently because a subscription ended; we cancel pending AlgoNexus orders where possible and tell you exactly what remains open at your broker.
• Cancellation and refunds are covered by the Refund & Cancellation Policy.

10Intellectual property and licence

We and our licensors own the Service, including the software, models, model weights, reports’ format and branding. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the Service for your own investing. Reports generated for you are yours to keep and share for personal purposes, subject to third-party market-data restrictions. Feedback you give us may be used without obligation to you.

11Suspension and termination

• You may close your account at any time in Settings. We will keep records we are legally required to keep (see the Privacy Notice).
• We may suspend or end your access, with notice where lawful and practical, if you breach these Terms, if required by law or a regulator, to protect you or others from harm or fraud, or if we withdraw the Service from your market.
• On termination, the order-safety rules in section 9 apply: we stop new orders and tell you what is open; we do not liquidate your positions.

12Disclaimers

Except where the law does not allow it, the Service is provided “as is” and “as available”. We do not warrant that it will be uninterrupted, error-free or that market data will be accurate or timely. Nothing in these Terms excludes or limits warranties, conditions or rights that cannot be excluded by law, including your statutory consumer rights.

13Limitation of liability

• Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be limited — including duties we owe under financial-services regulation once authorised.
• Subject to that, we are not liable for investment losses resulting from market movements, from decisions you made, from orders you approved, or from acts and omissions of your broker, exchanges or data providers.
• Subject to the above, our total liability to you in any 12-month period is limited to the greater of the fees you paid us in that period and [amount per jurisdiction].

The regional addenda may vary this section for consumers.

14Changes to the Service and these Terms

We may change the Service to improve it, for security, or to comply with law. We will give at least 30 days’ notice of material changes to these Terms that are to your disadvantage, unless a change is required sooner by law. If you do not agree, you may cancel before the change takes effect and receive a pro-rata refund of any prepaid fees for the remaining period.

15Governing law and disputes

Please contact us first — most problems are resolved quickly through our complaints process. The governing law, courts and any alternative dispute resolution depend on where you live and are set out in the addendum for your region below.

16Addendum — United StatesUS

• Provider. Services to US residents are provided by [US entity]. AlgoNexus is not registered as an investment adviser with the SEC or any state and is not a broker-dealer or FINRA member.
• Governing law. The laws of the State of [state] and applicable US federal law govern, without regard to conflict-of-laws rules.
• Arbitration and class-action waiver. [Counsel to decide whether to include]. If included: disputes are resolved by binding individual arbitration administered by [AAA / JAMS] under its consumer rules; you may opt out within 30 days of accepting these Terms by emailing legal@algonexus.trade; either party may bring an individual claim in small-claims court; and nothing prevents you from reporting a matter to a government agency.
• Auto-renewal. We comply with state automatic-renewal laws, including clear disclosure before purchase, an acknowledgement after purchase, a reminder before annual renewals and online cancellation.
• Privacy. State privacy rights, including under the CCPA/CPRA, are described in the Privacy Notice.

17Addendum — IndiaIN

• Provider. Services to residents of India are provided by [Indian entity, CIN]. AlgoNexus holds no SEBI registration. Paid research will be offered only after registration as a Research Analyst, and automated order placement only through empanelled brokers under SEBI’s framework for retail algorithmic trading.
• Governing law and courts. Indian law governs, and the courts at [city] have jurisdiction, without affecting your rights under the Consumer Protection Act, 2019.
• Grievance Officer. As required by the Information Technology Act, 2000 and the Consumer Protection (E-Commerce) Rules, 2020, our Grievance Officer is [name, designation], grievance@algonexus.trade. See Grievance redressal (India).
• Disputes. Once registered with SEBI, unresolved complaints may be escalated to SEBI SCORES and then to the Online Dispute Resolution mechanism of the Indian securities market (SMART ODR).
• Payments. Recurring payments use RBI-compliant e-mandates (for example UPI Autopay), which you can pause or revoke in your UPI app.

18Addendum — United KingdomUK

• Provider. Services to UK residents are provided by [UK entity, company number]. AlgoNexus is not authorised by the Financial Conduct Authority. Regulated activities will be offered only once we, or a firm that has appointed us as its representative, hold the necessary permissions.
• Consumer rights. The Consumer Rights Act 2015 applies: digital content and services must be as described, fit for purpose and supplied with reasonable care and skill. You have a 14-day right to cancel under the Consumer Contracts Regulations 2013, as explained in the Refund & Cancellation Policy.
• Law and courts. The law of England and Wales applies. If you live in Scotland or Northern Ireland you may bring proceedings in your local courts.
• Ombudsman. Once authorised, eligible complainants may refer unresolved complaints to the Financial Ombudsman Service.

19Addendum — European Union and EEAEU

• Provider. Services to EU/EEA residents are provided by [EU entity]. AlgoNexus holds no MiFID II authorisation and is not a tied agent of an investment firm. Regulated services will be offered only once authorised.
• Mandatory consumer law. If you are a consumer, you keep the protection of the mandatory laws of your country of residence (Rome I Regulation, Article 6) and may bring proceedings in your local courts (Brussels I bis Regulation).
• Right of withdrawal. You have a 14-day right of withdrawal under Directive 2011/83/EU, as explained in the Refund & Cancellation Policy.
• Out-of-court redress. The European Commission’s ODR platform closed on 20 July 2025. You may use the alternative dispute resolution body competent in your country; for financial services, FIN-NET can direct you to it. [verify and name our ADR body]
• Digital services. Our point of contact under the Digital Services Act is legal@algonexus.trade.

20Contact

Questions about these Terms: legal@algonexus.trade. Support: support@algonexus.trade.