Terms of Service

Trading Agent (“the Service”) is operated by WU Capital Limited, a limited liability company incorporated in New Zealand (“the Operator”, “we”, “us”). The Service is a quantitative analytics and research tool that publishes statistical model output, technical indicators, and market data — it is not a personalised financial advice service. By creating an account or using the Service, you agree to these terms.

1. The Service

Trading Agent provides probabilistic stock-price forecasts, technical indicators, risk readings, watchlist, alerts, paper-trading simulation, and (on the Premium tier) programmatic API access across 13 global markets, derived from publicly available market data (sourced from yfinance) and machine learning models. The Service is provided on an “as is” basis for educational and research purposes.

The Service is not financial advice. See our Disclaimer for the full statement. You explicitly acknowledged this at signup; that acknowledgement is recorded in our audit log with the version of these Terms you agreed to.

2. Eligibility and restricted jurisdictions

You must be at least 18 years old and legally able to enter binding contracts in your jurisdiction. By creating an account or using the Service, you represent and warrant that you meet these requirements. The Service is not directed at children under 18, and we knowingly do not collect personal information from children. If we discover that we have collected personal information from a person under 18, we will delete the account and the associated data within 30 days. Parents or guardians of children who may have created accounts should email contact@tradingagentapp.com with the email used to register, and we will action the deletion as soon as practicable.

The Service is not offered in the following jurisdictions:

• Countries or regions sanctioned by the New Zealand government, the United Nations, the United States Office of Foreign Assets Control (OFAC), or the European Union — including but not limited to North Korea, Iran, Syria, Cuba, and the relevant regions of Russia, Belarus, and Ukraine specified by those bodies.
• Mainland China — we do not actively market to or solicit users located in mainland China and you should not access the Service from there if your local law prohibits doing so.
• India — the SEBI (Research Analysts) Regulations, 2014 require any person publishing research analysis to investors located in India to be registered with the Securities and Exchange Board of India as a Research Analyst. Trading Agent is operated from New Zealand and does not hold SEBI RA registration. The Service is therefore not offered to, and may not be used by, persons physically located in India. We enforce this restriction via an automated IP-based geo-block on prediction, research and sign-up surfaces (see /india-notice). Use of a VPN, proxy, or other means to circumvent the geo-block while physically located in India is a material breach of these Terms and forfeits any refund entitlement under section 4. Indian nationals physically located outside India are not subject to this restriction; SEBI's jurisdiction is geographic, not ethnic.
• Any jurisdiction in which providing market analysis or research services without local registration is unlawful for the operator.

By using the Service you represent that you are not located in, and are not a resident of, any restricted jurisdiction. If you become so located, you must stop using the Service. We may suspend or terminate accounts where we believe this clause has been breached; in that case we will refund any unused portion of a subscription on a pro-rata basis unless the breach was a circumvention of the India geo-block, in which case no refund is payable.

2a. Not an AML/CFT reporting entity

Trading Agent does not custody client funds, execute trades, accept deposits, exchange currency, or otherwise function as a “reporting entity” under the New Zealand Anti-Money Laundering and Countering Financing of Terrorism Act 2009, or equivalent regimes in other jurisdictions. We do not perform customer due diligence (CDD) and no know-your-customer (KYC) information is required to use the Service beyond standard account authentication.

2b. Payment authentication (PSD2)

Payment authentication for EU and UK customers complies with the Revised Payment Services Directive (PSD2) Strong Customer Authentication (SCA) requirements. This is handled by Stripe; we never see or store your card data.

2c. No registered investment-adviser relationship

The operator is not registered as a financial adviser, broker, dealer, investment company, or any equivalent in any jurisdiction — including but not limited to the New Zealand Financial Markets Authority (FMA), the US Securities and Exchange Commission (SEC), the UK Financial Conduct Authority (FCA), the Australian Securities and Investments Commission (ASIC), the Monetary Authority of Singapore (MAS), or Taiwan's Financial Supervisory Commission (FSC). Where US-style exemptions are relevant (e.g. the publisher exemption under SEC v. Lowe, 472 U.S. 181 (1985)), the Service is offered on the basis that it publishes impersonal, general-distribution research, does not custody client funds, and does not execute trades on behalf of users.

3. Your account

• You are responsible for keeping your login credentials secure.
• You are responsible for all activity under your account.
• One person per account; sharing accounts is not permitted.
• Notify us immediately if you suspect unauthorised access.

4. Subscriptions and billing

Plans

We offer Free, Pro (monthly / annual), Premium (monthly), and Lifetime tiers. Current pricing is shown on the pricing page. We may change pricing for new sign-ups; existing subscribers keep the price they originally signed up at unless otherwise notified.

Trials

Pro and Premium include a 7-day free trial. You will be charged the full subscription price at the end of the trial unless you cancel before it ends. We send a reminder email 3 days before the trial converts.

Renewals

Subscriptions renew automatically at the end of each billing period until cancelled.

Cancellation

You may cancel at any time from the billing portal at /billing. Cancellation takes effect at the end of the current billing period — you keep access until then.

Refunds

Subscription fees are generally non-refundable, except where required by consumer protection law (including the New Zealand Consumer Guarantees Act 1993 and equivalent legislation in your jurisdiction). We'll consider goodwill refunds for first-month subscriptions cancelled within 7 days of the first charge (excluding the trial); email contact@tradingagentapp.com.

EU / UK consumer cooling-off (digital content)

Under the EU Consumer Rights Directive 2011/83/EU and the UK Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you would normally have a 14-day right of withdrawal for distance-purchased services. By starting to use the paid features of the Service (including viewing predictions, running backtests, configuring alerts, or accessing the API) within the 14-day period, you expressly agree that performance has begun and acknowledge that your right of withdrawal is lost once performance is complete under Article 16(m) of the Directive. If you do not start using the paid features and email us within 14 days, we will refund your most recent charge.

Lifetime tier

The Lifetime tier is a one-time payment for ongoing access to Pro features and reasonable future upgrades. “Lifetime” means the lifetime of the Service. If we discontinue the Service, the Lifetime tier ends with it. Lifetime payments are non-refundable except as required by law.

5. Acceptable use

You agree not to:

• Reverse engineer, scrape, or systematically extract the Service's output beyond what your plan permits.
• Resell or redistribute the Service's output (including predictions, indicators, or backtest results) without prior written permission.
• Use the Service to harass, defraud, or violate any law.
• Interfere with the Service's operation, security, or other users.
• Share API keys (Premium tier) with third parties — API keys are personal and tied to your subscription. Detected key sharing voids the subscription with no refund.
• Exceed the rate limits documented in our API documentation; sustained or wilful breaches may result in immediate key revocation.
• Use the paper-trading feature, the predictions log, or the leaderboard to mislead third parties about real trading performance (e.g. presenting paper P&L as actual trades on social media).

6. Intellectual property

We retain all rights to the Service, including the models, code, and documentation. You retain rights to data you provide (e.g., watchlist entries, notes). You grant us a limited licence to use that data solely to operate the Service.

7. No financial advice — no fiduciary duty — limitation of liability

You acknowledge that the Service does not provide financial advice and that you are solely responsible for any trading or investment decisions you make. We have no advisory, fiduciary, or agency relationshipwith you. The Service's output (including forecasts, indicators, and the Bullish / Neutral / Bearish directional reads) is general information of the kind published by financial-information services and is not a personalised recommendation. See our Disclaimer for the per-jurisdiction regulatory statements.

To the maximum extent permitted by law, Trading Agent and its operator are not liable for any direct, indirect, incidental, consequential, or special damages — including lost profits, lost opportunities, or trading losses — arising from your use of the Service.

Where liability cannot be excluded, our aggregate liability is limited to the amount you paid us in the 12 months preceding the claim.

8. Termination

We may suspend or terminate your account if you breach these terms or engage in abuse. You may terminate your account at any time by cancelling your subscription and emailing us to delete your data.

9. Changes

We may update these terms. Material changes will be communicated by email. Continued use of the Service after changes take effect constitutes acceptance of the new terms.

10. Governing law

These terms are governed by the laws of New Zealand. Disputes will be resolved in the courts of New Zealand, except where consumer protection law in your jurisdiction provides otherwise.

11. Contact

Questions? Email contact@tradingagentapp.com.