Terms of Service

1. Who we are and what this is

1.1 The Service

"intent: trade" (the "Service") is a trading-journal application provided as a progressive web app at tilorah.co/trade-journal/ and through any future native packages we publish. The Service is operated by Tilorah Core LLC ("we," "us," "our"), a Florida limited liability company.

1.2 Eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction (whichever is greater), to use the Service. By creating an account, you represent that you meet this requirement.

1.3 Not financial advice

The Service helps you record, organize, and reflect on your own trading activity. Nothing in the Service — including any AI-generated output, chart description, confidence score, statistic, or insight — is financial, investment, tax, or legal advice. The Service is informational only. You are solely responsible for your trading decisions. If you need advice, consult a licensed professional in your jurisdiction.

2. Your account and acceptable use

2.1 Account

You may sign in with email and password, Google, or Sign in with Apple. You are responsible for securing your credentials and the email or identity-provider account you use to sign in. You agree to provide accurate account information and keep it current.

2.2 What you may not do

You may not:

• Use the Service for any unlawful purpose or in violation of any applicable law.
• Reverse-engineer, decompile, or attempt to extract source code, except where this restriction is prohibited by applicable law.
• Resell, sublicense, share, or transfer your subscription, license key, or account access to any other person.
• Use automated tools (bots, scrapers, headless browsers) to access the Service in ways that materially exceed normal human use, except for the Service's own published APIs (if any).
• Upload content that infringes others' rights, contains malware, or violates applicable law.
• Interfere with the Service's operation, attempt to gain unauthorized access to other users' accounts, or probe for vulnerabilities outside a coordinated disclosure process.

3. Subscriptions, billing, and refunds

3.1 Plans

The Service offers two paid plans: Standard and Grand. Each plan is billed monthly. Current prices and features are listed at tilorah.co/trade-journal/sub.html. We may add, remove, or change plan features for new subscriptions at our discretion; existing paid subscriptions continue at their current price for the period described in §3.5.

3.2 Subscription fees and payment processing

Website subscription fees are charged in advance, monthly, through our payment processor, Stripe, Inc. ("Stripe"). Tilorah Core LLC is the seller of the Service and is responsible for collecting and remitting applicable taxes in your jurisdiction; Stripe processes website payments on our behalf. The price displayed at checkout includes any such taxes where required by law. All prices are in US dollars (USD). Stripe's privacy policy applies to their handling of your payment information: stripe.com/privacy

Subscriptions automatically renew at the end of each billing period at the then-current rate, unless you cancel before the end of that period.

New AI top-up packs are not offered on the website, iOS, or Android. Website AI top-up packs purchased before sales ended were separate one-time Stripe payments, not subscriptions. They do not auto-renew, have no cash value, and are usable only while you have an active Standard or Grand subscription.

In-app purchases. On iOS, Standard and Grand subscriptions are sold through Apple's App Store using StoreKit. AI top-up packs are not offered on iOS. New AI top-up packs are also not offered on Android. Credits from prior App Store purchases remain usable after the daily plan limit while Standard or Grand is active. Credits from prior Google Play purchases remain usable on the same terms. Standard and Grand subscriptions are sold through Google Play Billing on Android. Store purchases are subject to the applicable store terms. In-app subscriptions auto-renew through your Apple or Google account and are managed and cancelled in that store account, not by us. We may use RevenueCat or another billing service to validate a store receipt and manage account entitlements; where used, its processing is described in our Privacy Policy. In-app prices may differ from the website price. Earlier AI top-ups are one-time consumable credits, do not auto-renew, have no cash value, and are usable only while you have an active Standard or Grand subscription.

3.3 Refunds

Refunds for website (Stripe) purchases follow our Refund Policy (14-day window). In summary: a 14-day money-back window from the first charge, full refund of the most recent charge, and AI usage already consumed may be excluded. The Refund Policy is incorporated into these Terms by reference. Refunds and cancellations for in-app (Apple / Google) subscriptions and earlier consumable top-up purchases are handled by Apple or Google under their policies; we cannot directly refund store purchases.

3.4 Free trial

Each new account begins with a 14-day app-granted trial that requires no payment method. We do not collect card details to start the trial, and the trial does not convert to a paid subscription automatically. During days 1–14, the account has Grand trial access and shows Grand trial · N days left in the active locale; it is never Entry. At the exact 14-day boundary calculated from account creation, an unsubscribed user becomes Entry and keeps a free manual journal: they can enter, view, and edit trades, use Backup/Export, and access their account and session. Screenshot OCR, broker/report auto-import, AI chart analysis and AI Insights, and other automated or advanced tools pause until the user chooses Standard or Grand. Sign-in remains required on web/PWA, Android, and iOS. You are never charged unless you actively start a subscription. Once you subscribe through Stripe on the web, Google Play Billing on Android, or StoreKit on iOS, that subscription auto-renews each billing period at the rate you selected until you cancel it in the applicable billing channel.

3.5 Price changes for existing subscriptions

If we change the price of a plan you are already subscribed to, we will give you at least 30 days' written notice (by email or in-app) before the new price takes effect on your subscription. You may cancel before the new price takes effect to avoid being charged at the new rate. Continued use of the Service after the new price takes effect constitutes acceptance of the new price.

3.6 Subscription activation

Upon successful subscription through the selected billing channel (Stripe on the web, Google Play Billing on Android, or StoreKit on iOS), your paid tier is applied to the account you are signed in to. Your subscription state is tied to your account login. We may suspend access for subscriptions that are cancelled, refunded, charged-back, or fraudulently obtained.

4. AI features

4.1 What the AI does

The Service includes AI-powered features:

• Deep chart analysis — describes patterns and assigns confidence scores from uploaded chart images (Standard and Grand, with daily caps — 15/day on Standard, 50/day on Grand).
• AI Insights — text-based summaries and pattern analysis of your journaled trades (Grand; included in the Grand weekly digest).

4.2 AI is informational only

AI Output is not financial advice, not a market prediction, and not a recommendation to buy, sell, or hold any security or instrument. AI may be wrong, may misread images or text, and may produce confidently-stated content that is inaccurate ("hallucinations"). You are responsible for verifying any AI Output against your broker's records and your own judgment before acting on it.

4.3 Daily caps

AI features have daily caps to control costs. Caps are listed on the pricing page and reset at midnight UTC. Once a cap is reached for the day, the corresponding feature is unavailable until the reset.

4.4 Why AI usage is non-refundable

Each AI call has a direct per-call cost we pay to our AI provider. We can refund your subscription per §3.3, but we cannot reclaim the cost of AI calls you have already made. AI usage already consumed is therefore non-refundable.

4.5 AI provider disclosure

The AI features rely on third-party AI providers, currently OpenAI (GPT-4o / GPT-4o-mini). Image and text data you submit to these features is transmitted to these providers over encrypted connections solely to generate the AI Output you requested. We do not control these providers' systems and are not responsible for their performance, downtime, errors, or security beyond our reasonable diligence in selecting them.

Per our Privacy Policy, our AI providers operate under data-processing agreements that prohibit training on customer data. We may change AI providers in the future; we will update this Section and the Privacy Policy when we do.

4.6 Historical referral credits

New referral credits are not offered. Referral credits granted before the program ended have no cash value and cannot be exchanged, transferred, or redeemed for money. The prior program had a lifetime cap of 20 successful referrals per account. We may withhold, reverse, or revoke historical referral credits from any account found to have abused, gamed, or fraudulently generated referrals (e.g., self-referral, fake accounts).

5. Your content and our use of it

5.1 You own your content

You retain all rights to the trade data, screenshots, notes, tags, and other content ("Content") you create or upload to the Service. You grant us a limited, non-exclusive, royalty-free license to host, process, transmit, back up, and display your Content solely to provide the Service to you and to operate features you use (sync, AI analysis, backup).

5.2 We do not train AI on your content

We do not use your Content to train any machine learning model, ours or any third party's. Our AI provider (currently OpenAI) does not use data submitted through its API to train its models, under its API data-usage terms.

5.3 Backups and your responsibility

The Service stores your data locally in your browser (IndexedDB) and synchronizes to our cloud storage (Supabase, Singapore region). We make commercially reasonable efforts to back up your data, but you remain responsible for keeping your own copy if your data is critical to you. Use the in-app Settings → Export function to download a JSON backup at any time.

5.4 Data deletion

You may delete your account from Settings → Account → Delete account or by emailing hello@tilorah.co. We will delete your personal data and Content within 90 days of the request, except where retention is required by law (e.g., financial records we must retain for tax and fraud-prevention purposes) or for the resolution of disputes.

6. Disclaimers and limitation of liability

6.1 AS-IS service

6.2 Limitation of liability

6.3 No liability for trading losses

Without limiting the above: we are not liable for any trading losses, missed opportunities, broker fees, slippage, or tax consequences arising from any decision you make while using the Service or based on AI Output.

7. Termination

7.1 By you

You may cancel your subscription at any time using the applicable process in §3.2 and §3.4, and delete your account per §5.4.

7.2 By us

We may suspend or terminate your access to the Service if you materially breach these Terms, if your subscription is past due, if a chargeback is filed without first contacting us, or if continued service would expose us to legal risk. Where practical we will give you notice and an opportunity to cure.

7.3 Effect of termination

On termination your right to use the Service ends. Sections that by their nature should survive (1.3, 4.2, 5.1, 5.2, 6, 8, 10, this §7.3) will survive termination.

8. Governing law and disputes

8.1 Governing law

These Terms are governed by the laws of the State of Florida, USA, without regard to its conflict-of-laws rules. Tilorah Core LLC is a Florida limited liability company.

8.2 Informal resolution first

Before filing any dispute, please email hello@tilorah.co with your concern. Most disputes are resolved within a few business days at no cost to you.

8.3 Binding arbitration and class waiver

If we cannot resolve the dispute informally, you and we agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, in the State of Florida. You and we each waive the right to a jury trial and the right to participate in a class, collective, or representative action.

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing hello@tilorah.co with the subject line "Arbitration opt-out" and your account email. Opt-out does not affect any other provision of these Terms.

8.4 Small claims

Either party may bring an individual claim in small-claims court for disputes within that court's jurisdiction, in lieu of arbitration.

9. Changes to these Terms

We may update these Terms from time to time. Material changes (changes that materially affect your rights) will be announced by email or in-app notice at least 30 days before they take effect. Non-material changes (typo fixes, clarifications) take effect on posting. Continued use of the Service after changes take effect constitutes acceptance.

10. Contact

Tilorah Core LLC, a Florida limited liability company.
Email: hello@tilorah.co
Web: tilorah.co