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Terms of Use

Draft pending legal review — [Legal Entity], [address] and the governing-law details below must be completed and reviewed by licensed counsel before commercial launch.

Last updated: September 2026

1. Agreement to these terms

By accessing or using TradinZ (the "Service"), you agree to be bound by these Terms of Use, the Disclaimer, and the Privacy Policy, which together form the entire agreement between you and [Legal Entity] ("we", "us"). If you do not agree, do not use the Service.

2. What the Service is

TradinZ is a financial information, analytics, and research tool. It displays market data, company fundamentals, regulatory-filing data, aggregated third-party analyst opinions, quantitative scores, news headlines, and interactive calculators. The Service is impersonal: its outputs are computed by the same rules for every user and take no account of any individual's circumstances. We are not an investment adviser, broker-dealer, portfolio manager, or fiduciary, we are not registered with any financial regulator, and no adviser-client, brokerage, or fiduciary relationship is created by your use of the Service. The Disclaimer is incorporated into these terms in full.

3. No advice; your decisions are yours

Nothing on the Service is investment, financial, legal, accounting, or tax advice, or a recommendation, endorsement, offer, or solicitation to buy, sell, or hold any security or other instrument. Scenario models, projections, "scorecards", and calculator outputs are hypothetical illustrations computed from stated assumptions — including assumptions you set yourself — and are not predictions or price targets. All investment decisions you make are made solely by you, at your own risk. Investing involves risk, including the possible loss of the entire amount invested. Past performance does not guarantee future results.

4. Data: sources, accuracy, and availability

Content is drawn from third-party sources (market-data providers, regulatory filings, public feeds and pages) and from our own computations over those sources. We do not verify third-party data and we make no representation or warranty that any content is accurate, complete, current, or uninterrupted. Data may be delayed, estimated, mis-mapped, split-unadjusted, in the wrong currency, or plainly wrong; computations inherit every defect of their inputs. AI-generated content is labeled where it appears and may contain errors. You must independently verify any information before relying on it.

5. Acceptable use

6. Connected accounts

If you connect a brokerage account (e.g. via a read-only API key), you confirm you are authorized to do so. The connection is read-only: the Service cannot and does not place orders or move funds. You are responsible for safeguarding your API credentials and can revoke them at your broker at any time. Manually created portfolios and other content you enter are yours; you grant us the right to process them solely to operate the Service for you.

7. Intellectual property

The Service's software, design, computed analytics, and original text are owned by [Legal Entity] or its licensors and are protected by law. Third-party data, trademarks, and headlines remain the property of their respective owners; their appearance here implies no affiliation or endorsement. You receive a limited, revocable, non-exclusive, non-transferable license to use the Service for its intended purpose, and no other rights.

8. Third-party links and content

The Service links to third-party websites and displays third-party headlines, opinions, and ratings. We do not control, endorse, or assume any responsibility for third-party content. Analyst opinions, price targets, ranks, and similar items are those of their named authors, not ours.

9. No warranty

THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TIMELINESS, NON-INFRINGEMENT, AND UNINTERRUPTED OR ERROR-FREE OPERATION, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. We may modify, suspend, or discontinue any part of the Service at any time without notice.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: (a) WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, LOSS OF CAPITAL, TRADING LOSSES, LOST OPPORTUNITY, OR LOSS OF DATA, ARISING OUT OF OR RELATING TO THE SERVICE OR ANY CONTENT, WHETHER BASED ON CONTRACT, TORT, STATUTE, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (b) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE AND EUR 50.

Nothing in these terms excludes or limits liability that cannot be excluded or limited under applicable law — including liability for intent or gross negligence, for death or personal injury caused by negligence, or mandatory consumer-protection rights in your country of residence, which remain unaffected.

11. Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless [Legal Entity] and its officers, employees, and agents from any claims, damages, and reasonable costs (including legal fees) arising from your breach of these terms or your unlawful use of the Service.

12. Termination

We may suspend or terminate access to the Service at any time, with or without cause. Sections 3, 4, and 7–14 survive termination.

13. Changes

We may update these terms from time to time; the "Last updated" date above reflects the current version. Continued use of the Service after changes take effect constitutes acceptance. Material changes will be signposted on the Service.

14. Governing law and disputes

These terms are governed by the laws of the Republic of Croatia, excluding its conflict-of-law rules. The courts of [city], Croatia shall have jurisdiction, provided that if you are a consumer in the EU/EEA you retain any mandatory rights to bring or defend proceedings in your country of residence. If any provision of these terms is held invalid, the remainder continues in effect, and the invalid provision is replaced by a valid one that most closely reflects its intent.

15. Contact

Questions about these terms: [contact email].