Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Keirova ("Company," "we," "us," or "our") governing your access to and use of the Keirova platform, including all features, tools, data, content, and services available through our website (collectively, the "Platform").

By creating an account, accessing, or using the Platform in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you are using the Platform on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Eligibility

You must be at least 18 years of age (or the age of majority in your jurisdiction, whichever is greater) to use the Platform. By using Keirova, you represent and warrant that you meet this age requirement. If you are under 18, you may not use the Platform under any circumstances.

The Platform is intended for use by residents of the United States. Users outside the United States access the Platform at their own risk and are responsible for compliance with local laws and regulations. We make no representation that the Platform is appropriate or available for use in locations outside the United States.

3. NOT Investment Advice — Critical Disclaimer

All content, data, analysis, AI-generated summaries, technical indicators, charts, and other information provided through the Platform are for educational and informational purposes only. This information should not be construed as a recommendation to buy, sell, hold, or otherwise transact in any security, financial instrument, or investment product.

All investment involves risk, including the possible loss of principal. Past performance of any security or investment strategy is not indicative of future results. You should consult with a qualified, licensed financial professional before making any investment decisions. Keirova does not take into account your individual financial situation, investment objectives, risk tolerance, or time horizon.

AI-generated analysis on the Platform is produced by automated language model systems and may contain errors, inaccuracies, omissions, or outdated information. Such content is provided "as is" and should not be relied upon for investment decisions.

4. Paper Trading Simulator

The Keirova Paper Trading Simulator is a simulated trading environment for educational purposes only. The simulator uses virtual currency with no real monetary value. No real securities transactions are executed, no real money changes hands, and no real brokerage accounts are created or affected.

Simulated trading results do not reflect actual trading performance and may not account for real-world factors including, but not limited to: market impact, bid-ask spreads, liquidity constraints, order execution delays, slippage, commissions, taxes, or other transaction costs. Past simulated performance is not indicative of future real trading results.

The Paper Trading Leaderboard displays publicly visible performance rankings. By participating in paper trading, you consent to having your display name and simulated performance statistics displayed on the public leaderboard. You may opt out of leaderboard participation in your account settings.

Day-Trading Risk Disclosure: Day trading involves significant financial risk and is not appropriate for all investors. The majority of day traders lose money. You should carefully consider whether day trading is appropriate for you in light of your financial condition and risk tolerance before engaging in simulated day trading on this Platform.

5. Market Data

Market data displayed on the Platform may be delayed by 15 minutes or more and is provided for informational and educational purposes only. We make no warranty as to the accuracy, completeness, timeliness, or fitness for any particular purpose of any market data displayed on the Platform. You agree that you will not rely on market data from the Platform for actual trading decisions.

Market data is sourced from third-party data providers. We are not responsible for any errors, omissions, or interruptions in data provided by third parties. Data providers may change, be discontinued, or experience outages without notice.

6. User Accounts

To access certain features of the Platform, you must create an account using Manus OAuth authentication. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

You agree to provide accurate, current, and complete information when creating your account and to update such information as necessary to keep it accurate, current, and complete. We reserve the right to suspend or terminate accounts that contain inaccurate or misleading information.

7. Subscription and Payments

Certain features of the Platform are available only to subscribers with paid plans ("Pro" or "Premium"). Subscription fees are charged in advance on a recurring basis (monthly or annually) through our payment processor, Stripe. All fees are in US dollars and are non-refundable except as required by applicable law.

You authorize us to charge your payment method for the applicable subscription fee on each billing cycle. You may cancel your subscription at any time; cancellation will take effect at the end of the current billing period. We reserve the right to change subscription pricing with 30 days' notice to subscribers.

Subscription fees are for access to the Platform's data and analytical tools only. They do not constitute payment for investment advice, financial planning services, or any other regulated financial service.

8. Acceptable Use Policy

You agree not to use the Platform to:

• Scrape, harvest, or systematically download market data for redistribution or commercial use without a separate written license agreement
• Reverse engineer, decompile, or disassemble any portion of the Platform
• Use the Platform for any unlawful purpose or in violation of any applicable laws or regulations, including but not limited to securities laws, anti-money laundering laws, or export control regulations
• Transmit any malware, viruses, or other harmful code
• Attempt to gain unauthorized access to any portion of the Platform or its infrastructure
• Engage in market manipulation — including wash trading, spoofing, layering, pump-and-dump schemes, or any coordinated activity designed to artificially influence the price of any security
• Misrepresent simulated paper trading results as actual trading performance to any third party
• Use automated tools, bots, or scripts to access the Platform without our prior written consent
• Harass, threaten, or harm other users or third parties through the Platform
• Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity
• Use the Platform if you are a person or entity subject to sanctions administered by OFAC, the EU, or the UN Security Council

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account without notice or refund, and may be reported to relevant regulatory authorities where required by law.

9. Intellectual Property

The Platform, including all content, features, functionality, software, design, trademarks, and trade dress, is owned by Keirova and is protected by United States and international intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial purposes in accordance with these Terms.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material from the Platform except as expressly permitted by these Terms.

10. Disclaimer of Warranties

THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY CONTENT, DATA, OR INFORMATION AVAILABLE THROUGH THE PLATFORM. YOUR USE OF THE PLATFORM IS AT YOUR SOLE RISK.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KEIROVA AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PLATFORM.

IN NO EVENT SHALL KEIROVA'S AGGREGATE LIABILITY TO YOU EXCEED THE GREATER OF (A) THE TOTAL AMOUNT PAID BY YOU TO KEIROVA IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED DOLLARS ($100.00).

12. Indemnification

You agree to indemnify, defend, and hold harmless Keirova and its officers, directors, employees, agents, affiliates, successors, and licensors (collectively, "Indemnified Parties") from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: (a) your violation of these Terms; (b) your use of or inability to use the Platform; (c) your violation of any third-party rights, including intellectual property rights or privacy rights; (d) your violation of any applicable law or regulation; or (e) any content you submit, post, or transmit through the Platform.

Keirova reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate with Keirova in asserting any available defenses.

13. Governing Law, Jurisdiction, and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Mandatory Arbitration. EXCEPT FOR CLAIMS THAT QUALIFY FOR SMALL CLAIMS COURT, ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM — INCLUDING THE DETERMINATION OF THE SCOPE OR APPLICABILITY OF THIS AGREEMENT TO ARBITRATE — SHALL BE DETERMINED BY BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION ("AAA") UNDER ITS CONSUMER ARBITRATION RULES, BEFORE A SINGLE ARBITRATOR. THE ARBITRATION SHALL TAKE PLACE IN DELAWARE, OR AT SUCH OTHER LOCATION AS THE PARTIES MAY AGREE IN WRITING. THE ARBITRATOR'S AWARD SHALL BE FINAL AND BINDING AND MAY BE ENTERED AS A JUDGMENT IN ANY COURT OF COMPETENT JURISDICTION.

Class Action Waiver. YOU AND KEIROVA AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. FURTHER, UNLESS BOTH YOU AND KEIROVA AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

Opt-Out Right. You may opt out of mandatory arbitration by sending written notice to [email protected] within 30 days of first accepting these Terms. If you opt out, disputes shall be resolved exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of such courts.

Exception for Injunctive Relief. Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief from a court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on the Platform and updating the "Last Updated" date. Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must discontinue use of the Platform.

15. Contact Information

If you have questions about these Terms of Service, please contact us at: