Last Updated: July 14, 2025

This Terms of Service agreement ("Terms") constitutes a legally binding agreement between you ("User," "you," or "your") and Vector Algorithmics ("Vector Algorithmics," "we," "us," or "our"), governing your use of our proprietary trading software, website, and related services (collectively, the "Service").

By clicking "I agree," purchasing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms in their entirety. If you do not agree with these Terms, you must not access or use the Service.

You explicitly understand and agree that the Service provided by Vector Algorithmics is a **Software-as-a-Service (SaaS) product.** It is a technology tool designed to assist users in their self-directed trading activities within their own personal brokerage accounts.

Vector Algorithmics is a technology provider, not a financial services firm. As such, you acknowledge the following:

• No Fiduciary Duty: We are not a registered Investment Adviser, Broker-Dealer, Commodity Trading Advisor (CTA), or money manager. We owe you no fiduciary duty.
• Not an Offer of Securities: The Service, and the license to use it, is a technology product. It is not, and shall not be construed as, an offer to sell, a solicitation to buy, or an investment in any security, "investment contract," common enterprise, or other regulated financial instrument.
• No Financial Advice: We do not provide personalized financial advice, trade recommendations, or any form of investment advisory service. Any output from the Software is generated by algorithmic parameters and does not constitute investment advice tailored to your financial situation.
• No Management of Funds: We do not manage client funds, access brokerage accounts to withdraw or deposit funds, pool investor capital, or operate any form of collective investment scheme. All trading activities occur in your self-managed, personal brokerage account.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Software for your personal, non-commercial purposes during the term of your paid subscription.

• Sole Responsibility: You retain exclusive and complete control, discretion, and liability over your brokerage account at all times. You are solely responsible for all decisions, including account setup, risk configuration, capital allocation, and the decision to activate, deactivate, or monitor the software's activity.
• Assumption of Risk: You hereby acknowledge and agree that all forms of trading involve a substantial risk of loss. You may lose your entire investment. You represent that you are trading with risk capital and that you will not use any funds that you cannot afford to lose. The performance of the algorithm is not guaranteed and can be affected by market volatility and other external factors.
• Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

We offer a conditional refund on our subscription fees. To be eligible for a refund, you must meet all of the following conditions to our reasonable satisfaction. Failure to comply with any condition will void your eligibility for a refund.

A refund request must be submitted within the period specified for the particular product you purchased (e.g., 30 or 45 days), as detailed on the original offer page. The refund period begins on the date of your initial purchase.

To qualify for a refund, you must demonstrate compliance with the following:

• Strict Adherence to Recommended Settings: You must have exclusively used the official, unmodified "Recommended Settings" provided by Vector Algorithmics for your specific licensed product. This includes, but is not limited to, risk parameters, asset classes, and other configurable settings.
• No Manual Intervention or Alteration: You must not have manually altered trading parameters, manually closed trades generated by the algorithm (unless required by a broker for a margin call or similar event), or otherwise interfered with the intended, automated operation of the Software. Any deviation from the algorithm's direct output, including changing recommended settings mid-trade, immediately voids refund eligibility as it alters the strategy's intended risk profile.
• Continuous Operation: The Software must have been continuously connected and operational on your trading account for a substantial portion of the refund period, as determined by us, to ensure the strategy had a fair opportunity to perform under market conditions.

To process a refund request, we may require you to provide evidence of your compliance with the eligibility conditions. This may include, but is not limited to, read-only access to your brokerage account's trade history, screenshots, or API-based trade logs. By requesting a refund, you consent to this verification process. We reserve the sole right to determine if the eligibility conditions have been met.

All rights, title, and interest in and to the Service, including the software, algorithms, branding, and content, are and will remain the exclusive property of Vector Algorithmics. You agree not to copy, modify, resell, or reverse engineer the Service or any of its components.

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

YOU AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. IN NO EVENT SHALL VECTOR ALGORITHMICS, ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY TRADING LOSSES, LOST PROFITS, OR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE. OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM THE SERVICE IS LIMITED TO THE AMOUNT OF FEES YOU PAID TO US IN THE SIX (6) MONTHS PRIOR TO THE CLAIM.

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

These Terms shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to its conflict of law provisions.

These Terms constitute the entire agreement between you and Vector Algorithmics. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision will not be considered a waiver of those rights.