Effective Date: 2026.02.19
Version: 3.1
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and CYOINC ("Company," "we," "us," or "our") governing your access to and use of the TradingNote platform, website, applications, and related services (collectively, the "Service").
By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you must not access or use the Service.
You must be:
You represent and warrant that:
TradingNote is a SaaS-based trading research and performance analytics platform. The Service may include:
The Service provides analytical tools only and does not execute trades.
CYOINC does NOT provide:
All content, analytics, AI-generated outputs, and reports are provided strictly for informational and educational purposes.
They:
You are solely responsible for your financial decisions.
The Service may generate automated analytical insights based on user-provided data. These outputs:
You must independently evaluate all outputs.
The Service may use artificial intelligence and statistical models. You acknowledge:
Trading and investing involve substantial risk, including total loss of capital. Past performance is not indicative of future results.
You agree:
You must provide accurate information and maintain account security. You are responsible for all activity under your account.
We may suspend or terminate accounts for:
The Service is offered on a subscription basis.
Subscriptions automatically renew unless canceled before renewal.
Payment processing is handled exclusively by Polar.sh.
We do not store full credit card numbers or CVV codes. All payment data is processed by Polar in accordance with their security standards.
Fees are generally non-refundable once access begins, except:
EU/EEA consumers retain statutory withdrawal rights where applicable.
You may cancel anytime. Cancellation takes effect at the end of the billing cycle.
All intellectual property in the Service belongs to CYOINC.
We grant you a limited, non-exclusive, non-transferable license for personal use only.
You may not:
You retain ownership of your uploaded data.
You grant us a limited license to:
This license ends upon deletion of content, except anonymized data.
You may not:
We may modify or discontinue features at any time.
No uptime guarantee is provided.
You are responsible for maintaining backups of important data.
You agree to indemnify CYOINC from claims arising from:
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.”
We disclaim all warranties, including:
Some jurisdictions may limit these exclusions.
To the maximum extent permitted by law, we are not liable for:
Our total liability shall not exceed the amount paid by you in the 12 months preceding the claim.
Governed by Delaware law. Disputes resolved via binding arbitration administered by the American Arbitration Association (AAA).
Governed by Irish law, subject to mandatory consumer protection laws.
Governed by Korean law; jurisdiction in Seoul Central District Court.
Governed by Japanese law; jurisdiction in Tokyo District Court.
Delaware law applies to the extent permitted.
We are not liable for events beyond our reasonable control, including:
Your personal data is handled in accordance with our Privacy Policy.
By using the Service, you acknowledge that you have read the Privacy Policy.
Where consent is required under applicable law, it will be obtained separately.
CYOINC
[email protected]
BY USING THE SERVICE, YOU CONFIRM THAT YOU HAVE READ AND AGREE TO THESE TERMS.