1. Welcome to Tradeforge!

1. Introduction. We are Tradeforge s.r.o., ID Number: 216 66 717, with registered seat at Lidická 700/19, Veveří, 602 00 Brno, Czech Republic, registered in the Commercial Register maintained by District Court in Brno, File No.: C 139649 (“Tradeforge”, “we”, “us”). We operate the platform available at www.tradeforge.app and our mobile application (the “Platform”).
2. The Platform enables its users (each a “User”, “you”) to access digital services relating to investing and financial markets, including in particular: (i) access to and display of information about various financial instruments, and related financial, market and economic data, insights and analytics made available through the Platform; (ii) access to investment-related content created and published by financial creators (each a “Creator”); and (iii) access to the Platform and its functionalities, features, applications, software and products that are accessible through the Platform (collectively, the “Services”).
3. Tradeforge is not a broker, custodian, trading venue, or investment adviser. The Platform does not enable you to place, route, execute, or settle trades, and no trading in financial instruments is possible through the Platform. 
4. Terms. These are our Terms of Service (the “Terms”) which form an agreement on provision of the Services between you (as a User or a Creator, as applicable) and us (the “Agreement”) and we recommend you to read them as whole and make sure you understand it. If you do not accept any part of the Terms, then you may not use the Services and the Platform. These Terms govern our mutual rights and obligations arising in connection with or under the Agreement.  These Terms are an integral part of the Agreement. By using the Platform you agree to these Terms and to the other policies we post.
5. Important information. We would like to highlight some of the rights or obligations arising from the Terms which we consider as good to highlight:

• The Terms and our mutual relationship is governed by Czech law even if it contains international (foreign) aspects. However, this provision does not affect any local applicable consumer rights.
• ​​Please note that if you provide us with wrong or incomplete data or information when registering the Account on the Platform, we are not liable for any harm or damage which may be caused by that.
• Please note that we are entitled, at our sole discretion, to temporarily or completely disable the use of the Account if you breach your obligations under the Agreement or in connection with the use of the Platform, or you violate the applicable laws and generally binding legal regulations, depending on the severity of such a violation.
• The materials and data contained in the Platform are protected by applicable copyright and trademark law.
• Information on the Platform (including market, financial and economic data, and Creator Content) is for informational purposes only and may be delayed, incomplete, or inaccurate.
• We may amend these Terms at any time, in particular due to changes in applicable laws, regulatory requirements, market conditions, security needs, or technical developments. The new version shall be effective 15 days after publication on the Platform. If you do not agree, your sole remedy is to terminate your Account before such date. We will inform you about such a change via the Platform and when you log into your Account. This shall be done without prejudice to the rights and obligations arising during the period of validity of the previous wording of the Terms. If you do not exercise your right to terminate the Agreement, the new wording of the Terms will be considered as accepted.

1. Privacy Policy. For information about our personal data protection practices, please see our Privacy Policy, including our Cookie Policy, available here. We can collect and use your information in accordance with those policies. 
2. Contact details. We do not use chatbots for communication. If you need to contact us, you can do so via the following contact details:

E‑mail: legal@tradeforge.app

Data Protection Officer (DPO): We have appointed a Data Protection Officer to handle privacy matters. You may reach the DPO at dpo@tradeforge.app.

Postal address: Tradeforge s.r.o., Lidická 700/19, Veveří, 602 00 Brno, Czech Republic

3. Regulation. As we are an “intermediary service provider” and we operate the “online platform”, we need to comply with several EU regulations. These include the following:

• Regulation (EU) 2022/2065 of the European Parliament and of the Council of 19 October 2022 on a Single Market for Digital Services and amending Directive 2000/31/EC (Digital Services Act) (the “DSA”);
• Regulation (EU) 2019/1150 of the European Parliament and of the Council of 20 June 2019 on promoting fairness and transparency for business users of online intermediation services (the “P2B”).

These Terms specify the necessary information about the respective rights and obligations arising from the DSA and P2B regarding illegal content on our Platform (DSA) and necessary transparency, fairness and effective redress for Creators and other business users (if any) within the meaning of the P2B (P2B). The contact e-mail legal@tradeforge.app is also a designated point of contact for you and also for state authorities regarding matters related to the DSA; it is possible to communicate with us in Czech or English.

4. Summary. Some of the articles in these Terms have a summary in the beginning of the article called “TLDR”. These summaries are not legally binding, get to know all your rights and obligations arising from these Terms by reading these Terms in full.

2. Using the Platform

1. Platform access. Under the Agreement, we undertake to provide you with the Services to the extent permitted by the functionalities of the chosen type of the Account. Therefore, we will allow you to use the Platform, manage your Account and, if necessary, access other services and features that the Platform makes available through the Account.
2. Extent of the Platform. The Platform contains:

• Market, instrument, financial and economic data, and analytics – information about financial instruments and related market/financial/economic data, insights, and analytical tools made available through the Platform (the “Market Data”);
• Portfolio and account-linking tools – portfolio views, performance metrics and other investment tools, including the ability to connect external investment/financial accounts via third-party providers on a read-only basis (the “Portfolio Tools”);
• Tradeforge content and data – the Platform’s interface, features, software and other materials provided by Tradeforge (the “Tradeforge Content”).
• User profiles and content – content created and published by Users (the “User Content”);
• Creators’ profiles and content – content created and published by Creators, including public and subscriber-only content (the “Creator Content”);
• Virtual Creator profiles – certain profiles are created and operated by Tradeforge (“Virtual Creators” / “Virtual Profiles”). Virtual Profiles are clearly marked as virtual and visually distinguished from human Creators. Virtual Profiles may include avatars and/or representations inspired by public figures (e.g., public officials). Virtual Profiles are provided for informational and/or entertainment purposes and are not a statement by, or affiliation with, any such person.

1. Profiles. The Platform may display profiles of Users and Creators. Profiles may contain information provided by the profile owner (such as username, bio, profile image), as well as activity, posts, and other information displayed through the Platform. You acknowledge that profile information may be incomplete, outdated, or inaccurate, and Tradeforge does not guarantee its accuracy.

Virtual Profiles. Some profiles on the Platform are Virtual Profiles created by Tradeforge and not operated by a real person. Virtual Profiles are clearly labelled (e.g., “Virtual Creator”) and visually distinguished within the Platform. Any avatar, name, or representation that resembles a public figure is used solely as a virtual/fictionalized representation for Platform functionality and user experience. Virtual Profiles are not affiliated with, endorsed by, sponsored by, or approved by any public figure (or their representatives), and do not represent that person’s actual views, actions, or investment decisions. Tradeforge may modify, suspend, or remove Virtual Profiles at any time.

2. Expert and User Content. Please note that the Creator Content and User Content is for informational and educational purposes only and does not constitute promotion or approval of the portfolios, instruments, products, services, brands, or ideas described or depicted. Market Data may originate from third parties and may be delayed, incomplete, or inaccurate. You use Creator Content, User Content, and Market Data at your own risk. Creator Content includes content published by human Creators and Virtual Creators.
3. Portfolio Specifics. Portfolios displayed on the Platform may be based on (i) data obtained from external accounts connected via third-party providers on a read-only basis, (ii) information entered by Users, and/or (iii) other data sources available through the Platform.

Portfolios displayed on the Platform may be based on:

(a) Linked Investment Accounts connected through third-party providers on a read-only basis (“Linked Portfolios”); and/or

(b) Virtual Investment Accounts created within the Platform and managed by the User through manual entry and/or import of transactions (“Virtual Portfolios”).

You acknowledge that portfolio information shown on the Platform may be delayed, incomplete, aggregated differently than your official statements, or otherwise inaccurate, and it may not reflect all instruments, corporate actions, fees, taxes, or other factors. Tradeforge does not guarantee the accuracy or completeness of any portfolio information displayed through the Platform.

4. Trading Services. You acknowledge that the Platform does not enable you to place, route, execute, or settle trades and does not provide brokerage, custody, or investment advisory services. If you connect an external account via a third-party provider, this connection is intended to provide read-only access to selected data. Any contractual relationships related to your investment accounts or trading activity exist between you and your relevant financial institution(s) (e.g., your broker or bank) and are governed by their terms.
5. Platform Availability. You acknowledge that the Platform or the Account do not need to be available around the clock, especially with regard to the necessary maintenance of our hardware and software equipment, or the necessary maintenance of hardware and software equipment of third parties that provide us with the operation of the Platform or other related services, due to force majeure, third party action or power or connectivity failure. You will be notified of any outages of the Platform, if possible, through the Platform or your Account.
6. Default Ranking. The default setting of the ranking of the profiles during the Users’ searching or browsing on the Platform is “recommended” (the “Default Ranking”). Tradeforge also offers other ways to rank Creators and their profiles such as by their experience, by number of reviews or by lowest or highest price. Additional ways may be added. Tradeforge does not provide similar or identical services to the Users on the Platform, therefore there is no differential approach with respect to the Default Ranking.

3. Tradeforge Account

TLDR: To create an Account you must be at least 18 years old. You are responsible for your Account.

7. Account. When you create an account on the Platform (the “Account”), you must provide us with accurate information, in good faith,  and you agree to keep your information updated if it changes.
8. Age requirement. To create an Account, you must be at least 18 years old.
9. Personal Access. You shall use the Platform and Account solely for your own personal use, in your own name, and subject to the terms of the Agreement. You must not make your Account available for use by any other person. You may not establish more than one (1) Account. You are responsible for anything that occurs when anyone is signed into your Account, as well as the security of the Account. Please contact us immediately if you believe your Account is compromised.
10. Account Information. If the provided information is insufficient, or if we identify a risk related to the provision of the Services to you (including security, fraud prevention, or compliance risks), we may require additional information from you prior to enabling an Account or specific features. We reserve the right not to provide any Services to a particular User at our sole discretion, subject to applicable law. If we accept your application, we will confirm registration of an Account for you, and you will be able to start using the Services.
11. Accuracy of the Information. If any information provided by you is found to be inaccurate, false, or otherwise misleading, we may suspend or terminate the provision of any Services to you (including any pre-paid Services), without any compensation to you, except where mandatory law requires otherwise. You agree to notify us of any changes to the information provided through the Platform, mainly but not exclusively the information provided as part of the Account creation, security settings, and payment/payout setup (if applicable), without undue delay upon their occurrence.
12. Linked Accounts (Read-Only). The Platform may allow you to connect certain external financial or investment accounts through third-party providers (e.g., Plaid) to access selected account data on a read-only basis. Tradeforge does not execute trades, initiate transfers, or otherwise transact in your external accounts. Availability and accuracy of external account data may be delayed, incomplete, or unavailable due to third-party or financial-institution limitations, and we do not guarantee its accuracy or completeness. Your use of such third-party services may be subject to their separate terms and privacy practices.
13. Account Succession. We reserve the right to take actions related to your Account (including restricting access or closing the Account) if we reasonably deem such action necessary for security, compliance with applicable law, or enforcement of these Terms. If you die or become incapacitated, your legal heirs or representatives may request access to certain Account information or payout of any Platform balance (if applicable) by providing official duly-authenticated legal documents from the applicable authorities. Tradeforge does not hold client assets in external investment accounts and cannot transfer or liquidate assets held with third-party financial institutions.

4. Scope of the Services

1. Informational nature of the Services. The Platform provides informational and digital services related to investing and financial markets, including Market Data, Portfolio Tools, and Creator Content. You acknowledge and agree that Tradeforge does not provide brokerage, custody, execution, order routing, portfolio management, or investment advisory services, and no trading in financial instruments is possible through the Platform. Any investing or trading decisions you make outside the Platform (e.g., with your bank or broker) are solely your responsibility. This replaces the prior “execution-only service with the Broker” model.
2. Nothing in these Terms, nor any Services provided through the Platform, shall be construed as creating any fiduciary duties, investment advisory obligations, portfolio management obligations, partnership, joint venture, employment, or agency relationship between Tradeforge and any User or Creator. Tradeforge does not act as your advisor, representative, agent, or fiduciary. Tradeforge does not endorse any Creator, User, content, strategy, or instrument. Any information, content or materials made available on the Platform are provided strictly on an informational basis and may be incomplete, delayed, or inaccurate.
3. Regulatory Requirements. We will not assist you with any obligations which you are required to carry out under applicable laws. This includes, but is not limited to regulatory reporting, tax reporting, and any duties associated with your investing or trading activity. Tradeforge does not provide personalized investment recommendations, legal advice, or tax-related advice. Any explanation or information provided as part of the Services is not and should not be considered such advice.
4. Platform Focus. The Platform is not an exchange or financial market and does not support trade execution. Tradeforge does not hold, safeguard, custody, or transfer financial instruments or client funds held with third-party financial institutions. If the Platform allows you to connect an external financial or investment account via a third-party provider (e.g., Plaid), such connection is intended to provide read-only access to selected data and does not allow Tradeforge to move funds or place trades. (Your relationship with your bank/broker is governed by their terms.)
5. Restricted Territories. We may not be able to provide access to the Platform or certain Services within certain territories (the “Restricted Territories”), including due to legal, regulatory, sanctions, or risk-management reasons. The list of Restricted Territories may change. The Platform and Services may not be available if you are located in, resident of, or traveling to Restricted Territories.
6. Compliance, AML and Sanctions.
   Tradeforge reserves the right, at any time and at its sole discretion, to request from you information or documentation necessary to perform customer due diligence, identity verification (KYC), anti-money laundering (AML) checks, fraud prevention checks, or sanctions screening, particularly where you purchase paid Services (e.g., Premium Subscriptions or Creator Subscriptions) or where payouts/refunds/chargebacks are involved. You agree to promptly provide complete, accurate and timely information.

Tradeforge may suspend, restrict or terminate your Account, limit access to Services, block or delay any transaction processed through the Platform or access to Services, or take other appropriate measures if Tradeforge reasonably suspects money laundering, terrorist financing, fraud, tax evasion, corruption, sanctions violations, or other unlawful/high-risk activity, or if you fail to provide requested information.

You acknowledge and agree that Tradeforge shall not be liable for any losses, costs, damages or expenses incurred by you as a result of such actions, and that any obligations of Tradeforge under these Terms are suspended for the duration of such investigation or restriction. 

5. Abusive conduct

TLDR: Do not violate our policies or law, if you do, we may terminate your Account or take other action against you.

7. User Responsibility. You are responsible for all activity on your Account. If you violate our policies we may terminate your Account.
8. Illegal conduct. Don’t do anything illegal, abusive towards others, or that abuses our site in a technical way. As a result, we also look at what you do with your Account in our Platform. Our policies cover most issues, but if you find a new and creative way to hurt Tradeforge or our community we may, at our sole discretion, take action to prevent it.

6. Investment Accounts and Data Access

TLDR: You may link external accounts via third parties (e.g., Plaid) for read-only data. We do not place trades or move funds. Data may be delayed/inaccurate.

9. Account types. The Platform may allow you to either:

1. (a) connect certain external financial or investment accounts through third-party providers (such as Plaid) as Linked Investment Accounts, in order to make available selected account information (such as balances, holdings, and transactions) on a read-only basis (“Account Data”); or
2. (b) create a Virtual Investment Account within the Platform, which you manage by manually adding, editing, or importing transactions and/or holdings.

By linking a Linked Investment Account, you authorize Tradeforge and the relevant provider to access and transmit Account Data to Tradeforge for the purposes described in these Terms and in our Privacy Policy.

Tradeforge cannot execute trades, initiate transfers, withdrawals, deposits, or any other transactions in your Linked Investment Accounts.

Linked Investment Accounts are read-only within the Platform; you cannot manually modify their transactions or holdings through the Platform.

10. Market Data and account data are indicative. TThe Platform may display: (i) Account Data received from Linked Investment Accounts, (ii) market and instrument data received from third parties (“Market Data”), and (iii) information entered or imported by Users for Virtual Investment Accounts (together, “Data”). You acknowledge that Data may be delayed, incomplete, temporarily unavailable, or otherwise inaccurate due to limitations of third-party providers, financial institutions, connectivity, or user input.

For Virtual Investment Accounts, you are responsible for the accuracy and completeness of any information you enter or import. Tradeforge does not guarantee the accuracy, completeness, or timeliness of Data.

11. Third-party terms. Linking Linked Investment Accounts is enabled through third-party providers and your financial institutions. Your use of those services may be subject to their separate terms and privacy practices. Tradeforge is not responsible for third-party services and does not control whether a provider or financial institution supports a particular account or makes particular data available.
12. Unlinking and termination effects. You can unlink a Linked Investment Account at any time through the Platform (if available) or through the relevant provider’s settings. Unlinking may disable certain features that rely on Account Data.

If your Account is terminated or access is restricted under these Terms, your access to the Platform may be disabled; however, Tradeforge does not hold assets in Linked Investment Accounts and therefore cannot liquidate or transfer assets held with third-party financial institutions.

For avoidance of doubt, unlinking affects only Linked Investment Accounts; Virtual Investment Accounts remain available unless removed by you or restricted/terminated under these Terms.

13. Data Access. To operate, secure, and improve the Platform, Tradeforge may collect, store, organize, analyze, and otherwise process Data (including Account Data) for purposes such as: operating Platform features, displaying portfolio analytics, detecting fraud and abuse, ensuring security, troubleshooting, monitoring performance, compliance with legal obligations, and improving user experience. The legal bases, categories of data, retention periods, and your rights are described in our Privacy Policy. Where required, you consent to such processing and acknowledge that third-party providers may rely on this consent/authorization to enable data sharing.

7. Payments

1. Free Access. We provide access to the Platform and certain Services free of charge, in accordance with these Terms. Certain Services may be available for purchase for a fee, including Premium Subscriptions and Creator Subscriptions (as described in Section 8), and any other paid features displayed in the Platform (together, “Paid Services”). The price, currency, billing interval (if recurring), and the scope of the Paid Services will be displayed to you before purchase.
2. Payment Methods. All applicable fees will be paid using the payment methods made available through the Platform at the time of purchase (including bank transfer, card payments, or app-store payments, where applicable). Payments may be processed by a third-party payment processor or an app store (“Payment Processor”). Paid Services will be made available to you after successful payment authorization/receipt (as applicable to the Payment Processor).
3. Taxes. Prices may be shown inclusive or exclusive of applicable taxes depending on your location and the Payment Processor. You are responsible for any taxes, duties, bank fees, foreign transaction fees, or currency conversion costs charged by your bank, card issuer, or Payment Processor.
4. Non-refundable. All fees and payments are final, non-cancellable and non-refundable, except where a mandatory statutory right expressly requires otherwise. You acknowledge that payments constitute compensation for immediate access to digital content and services.. To the extent permitted by law, you are not authorized to offset any of your claims against any of our claims, nor to withhold payments intended for us, regardless of the nature or purpose of such payments; and we are authorized to offset our claims against your claims.
5. Limitation of Liability. You expressly understand and agree that Tradeforge shall not be liable for any technical aspects of payments and monetary transactions that occur through your use of the Service. You expressly understand and agree that (i) all payments and monetary transactions are handled and (ii) the funds are held up until the pay-out by the payment processor we choose to work with in the future. You agree that Tradeforge shall not be liable for any issues regarding financial and monetary transactions between you and any other party. Tradeforge is responsible for any instructions it gives to the payment processor. However, Tradeforge is not responsible for the payment processor meeting any of its obligations. Nevertheless nothing in these Terms shall limit or exclude liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or for wilful misconduct.
6. Payments Withholding. We may handle payment issues such as fraud, chargebacks, refunds, and resolution of payment disputes. We try to provide timely access to Paid Services, but you may occasionally experience delays due to the Payment Processor, compliance requirements, fraud prevention, or chargeback/reversal processes. We may block, reverse, or hold payments for violations of our policies or for compliance reasons (including collecting tax or reporting information where required). When payments are delayed or blocked, we try to communicate the reason promptly when feasible.
7. Negative Balance. Sometimes activities like refunds can put your Account balance into the negative. If your balance becomes negative then we reserve the right to recover those funds from future payments.
8. Restricted Solicitation. You may not solicit or request payments from Users outside the payment flows supported by the Platform (for example, by posting bank account information for direct deposits or directing Users to pay you “off-platform”) in connection with Creator Content or Platform activity. Doing so is a severe violation of these Terms and may result in suspension or termination of your Account.

8. Subscription Services

1. Subscription types. The Platform may offer the following subscription-based services (together, the “Subscription Services”):

1. (a) Premium Subscription – a subscription purchased from Tradeforge that unlocks additional features and/or content within the Platform for the subscribing User; and
2. (b) Creator Subscription – a subscription purchased on a per-Creator basis to access that Creator’s exclusive subscriber-only content (“Creator Content”) during the subscription term.

The scope, price, and availability of each Subscription Service will be displayed in the Platform before purchase

2. Subscription Grant. Upon successful completion of the applicable registration and payment process, the User shall be granted a limited, revocable, non-exclusive, non-transferable right to access and use the subscription-based functionalities of the Platform (the “Subscription Services”) strictly in accordance with these Terms and for the duration of the subscription term selected by the User (the “Subscription Term”). By purchasing Subscription Services, you request immediate performance (access) during the Subscription Term and acknowledge that, where applicable, the statutory right of withdrawal may be lost once performance begins.
3. Automatic Renewal. Unless expressly cancelled by the User prior to the expiry of the then-current Subscription Term, the applicable Subscription Services shall automatically renew for successive periods equal in length to the initial Subscription Term, subject to the prevailing fees and conditions notified to the User in advance of such renewal. The User acknowledges that payment details provided will be charged automatically for each renewal, unless and until the Subscription is cancelled.

If you purchased a Subscription through an app store or other third-party marketplace, renewal and cancellation may be managed by that third party under its terms.

4. Fees and Payment. The User shall pay all subscription fees in advance and in the currency specified on the Platform. Subscription fees are non-refundable and non-cancellable, except as required under applicable consumer protection legislation. Tradeforge reserves the right to adjust subscription fees or introduce additional charges, provided that notice of any such adjustment is given to the User at least fifteen (15) days prior to the commencement of the next Subscription Term.

For Creator Subscriptions, pricing and availability may be set or changed by the relevant Creator (or by Tradeforge for Virtual Creator profiles), and may vary between Creators.

5. Suspension and Termination. Tradeforge may suspend or terminate the User’s access to the Subscription Services with immediate effect if (i) the User fails to pay the applicable subscription fees when due; (ii) the User is in material breach of these Terms; or (iii) Tradeforge reasonably believes such suspension or termination is necessary to comply with applicable law or protect the integrity, security, or reputation of the Platform. Termination shall not relieve the User of any accrued payment obligations.

Except as expressly provided in these Terms or required by mandatory law, all subscription fees paid are final and non-refundable, regardless of whether the Subscription Services are used or unused during the Subscription Term.

6. Cancellation by User. TThe User may cancel the applicable Subscription Services at any time through their Account settings (or through the relevant app store/marketplace if purchased there). Cancellation shall take effect at the end of the then-current Subscription Term, and the User shall continue to have access to the Subscription Services until such expiry date.

Cancelling a Subscription does not automatically terminate your Account (unless you separately cancel your Account under Section 11).

7. No Refunds. Except as expressly provided in these Terms or required by mandatory law, all subscription fees paid are final and non-refundable, regardless of whether the Subscription Services are used or unused during the Subscription Term.

9. Creator Monetization and Platform Fees

TLDR: Creator Subscriptions may be priced per Creator. Tradeforge and payment processors may deduct fees from amounts paid. Chargebacks/reversals may result in offsets or repayment..

8. Creator Price and Platform Fee. Where the Platform allows paid access to Creator Content (including Creator Subscriptions), the applicable price will be displayed on the relevant Creator profile or purchase screen (the “Creator Price”). The Creator Price may include (i) payment processing fees charged by the Payment Processor and (ii) a platform service fee retained by Tradeforge to operate and improve the Platform (collectively, the “Fees”).

In addition to any other fees payable under these Terms, the User acknowledges and agrees that Tradeforge shall be entitled to a fee equal to five per cent (5%) of all payouts, distributions or other monetary proceeds (collectively, the “Payouts”) generated by the User in connection with any transactions executed through the Platform (the “Platform Fee”). The Platform Fee shall be calculated on the gross amount of each Payout prior to any deduction or set-off by third parties (including, without limitation, payment processors, brokers, or tax authorities). The Platform Fee will be automatically withheld and deducted at source by Tradeforge (or by its designated payment processor acting on its behalf) prior to remittance of the net Payout to the User. All Platform Fees deducted pursuant to this Clause are final, non-refundable and non-cancellable, except to the extent required by applicable mandatory law.

9. Payment method. If you purchase Paid Services (including Premium Subscriptions or Creator Subscriptions), you may need to add a payment method (e.g., payment card) to the Payment Processor. When adding a payment method, your payment information is stored and processed by the Payment Processor. Tradeforge may change the Payment Processor it uses at any time. Tradeforge does not store full payment card information.
10. Change to Fees. Tradeforge reserves the right to amend the percentage or structure of Fees and/or introduce additional fees upon at least fifteen (15) days’ prior notice to the User. If you do not agree, your sole remedy is to cancel the relevant subscription (or stop purchasing the relevant Paid Service) before the change takes effect; continued use of the Platform or renewal thereafter shall be deemed acceptance of the revised Fees.
11. Chargebacks. If a User successfully requests a chargeback or a payment is reversed (including due to stolen or misused payment credentials), Tradeforge and/or the Payment Processor may reverse access to the applicable Paid Service and may deduct the reversed amount and any chargeback/reversal fees from (i) any payouts otherwise payable to a Creator connected to the transaction and/or (ii) any amounts otherwise payable to the User, to the extent permitted by law.

Tradeforge will not charge or seek repayment where the chargeback request is rejected and/or accepted in our counter-dispute.

10. Tax

TLDR: You’re responsible for your taxes. Creators are responsible for taxes on earnings. Tradeforge may collect/withhold taxes where required by law.

12. User taxes. You are solely responsible for determining, reporting, and paying any taxes applicable to you in connection with your use of the Platform, including any taxes arising from your investing or trading activity conducted outside the Platform, and any taxes related to purchases of Paid Services (to the extent not collected at checkout).
13. Creator taxes. Creators (and, where applicable, Virtual Creators operated by Tradeforge) may offer access to Creator Content through Creator Subscriptions and may receive payouts where enabled by the Platform. Each Creator is solely responsible for determining, reporting, and paying any taxes, duties, levies, and statutory charges applicable to them in connection with Creator Subscriptions, payouts, and their activity on the Platform (including VAT/GST/sales tax and income taxes, as applicable), and for issuing any invoices/receipts if required by applicable law. Tradeforge does not provide tax advice.
14. Withholding. Where required by applicable law, Tradeforge and/or the Payment Processor may collect, withhold, or report taxes (or request tax-related information or documentation) in connection with payments, payouts, refunds, or chargebacks. If you fail to provide requested information, Tradeforge may suspend or restrict access to certain Paid Services, delay payouts (if applicable), or take other measures as permitted by law.

11. Cancelling an Account

1. Termination by User. You may terminate your Account at any time by submitting a cancellation request through the designated functionality made available within the Platform (the “Cancellation Feature”). Unless a shorter period is expressly confirmed by us (e.g., for immediate closure), termination shall take effect upon expiry of thirty (30) days from the date on which you validly submit such request. During this notice period, you remain fully liable for all fees and charges accrued. Except as required by applicable mandatory law, you shall not be entitled to any refund of fees already paid, including for any unused portion of Paid Services or subscriptions.
2. Suspension or termination by Tradeforge. Tradeforge may, in its sole discretion, suspend or terminate your Account immediately and without notice if you breach these Terms, applicable law, or if such action is necessary for security, fraud prevention, compliance, or regulatory reasons. In addition, Tradeforge may terminate the Agreement at any time for convenience by providing you with written notice; such termination shall not entitle you to any refund, except as required by mandatory law.
3. Effects of termination. Upon termination, all rights granted to you under these Terms shall immediately cease and your access to the Platform will be disabled. For avoidance of doubt:

1. (a) Tradeforge does not execute trades and does not hold or custody financial instruments or funds in your external accounts; therefore Tradeforge cannot and will not liquidate any positions at any broker or financial institution. (This replaces the prior Broker liquidation language.)
2. (b) Any Linked Investment Accounts may be disconnected, and any Platform features depending on them may stop working.
3. (c) Any Virtual Investment Accounts (manual/import) and associated data may become inaccessible after termination; you are responsible for exporting or backing up anything you want to keep before termination takes effect.
4. (d) If you terminate your Account while a subscription is active, your access to Premium features and/or Creator subscriber-only content may end when your Account is disabled; no refund is due except where mandatory law requires otherwise.

4. Data retention. Tradeforge may retain and process your Account information and related data for a period of ten (10) years after termination, or longer if required by applicable law, for purposes of compliance, accounting/tax, handling disputes and legal claims, security, and other legitimate business purposes as described in our Privacy Policy.

12. Content

TLDR: You keep ownership of content you post, but you grant us a license to host and operate the Platform. Tradeforge owns Tradeforge Content (including Virtual Creator profiles/content). Only post content you have rights to use.

5. Ownership of Content. You keep full ownership of all content and creations that you upload, publish, transmit, or otherwise make available on the Platform (including Creator Content and User Content) (together, “Your Content”), but we need licenses from you to operate the Platform effectively.
   Tradeforge retains all rights, title and interest in and to the Platform and all Tradeforge Content, including the Platform’s software, design, interfaces, datasets, Market Data integrations, and any content published by Tradeforge-operated Virtual Profiles / Virtual Creators (“Tradeforge Content”). For avoidance of doubt, content published by Virtual Creators is Tradeforge Content (not User Content).
6. License to Tradeforge. By posting Your Content on the Platform, you grant us a royalty-free, worldwide, transferable, sublicensable and perpetual license to host, store, use, reproduce, distribute, display, publish, perform, make available, and create derivative works of Your Content solely for purposes connected with the operation, provision, maintenance, security, moderation, promotion, and improvement of the Platform and our business (including displaying Your Content to other Users and enabling sharing within the Platform).
   We may sublicense these rights to our service providers (e.g., hosting, analytics, content delivery, moderation tooling) only to the extent necessary to provide the Platform. We will not claim ownership of Your Content.
7. Third-party rights.
   You may not post content or creations that infringe or violate others’ intellectual property, proprietary rights, privacy rights, or personality/publicity rights (including unauthorized use of someone’s name, image, or likeness), unless you have a lawful basis to do so (e.g., permission, license, or other legal entitlement).
8. Responsibility. You are responsible for all content created or provided by you on the Platform. You understand and acknowledge that you are responsible for any content you submit or contribute, and you have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.
   For avoidance of doubt, Virtual Creators are created and operated by Tradeforge and are clearly marked and visually distinguished on the Platform (as described in Section 2). Any avatar/representation of a public figure used for a Virtual Creator is a virtual representation for Platform purposes and does not imply endorsement or affiliation, and does not represent the person’s actual views or actions.
9. Content use restrictions.
   Users may not use content and creations posted by other Users or Creators in any way not authorized by the content owner or the Platform. This includes copying, reposting outside the Platform, or using others’ content commercially, except where explicitly permitted by the Platform’s sharing features, by the content owner, or by applicable law.

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13. Content Standards and Moderation

1. Scope. This section applies to all content and features on the Platform, including User Content, Creator Content, and content published by Virtual Creators / Virtual Profiles. The same standards apply to Creators and Users.
2. Prohibited content. We do not allow content, benefits, offers, or activity that violates law or our policies. In particular, you must not post, offer, or promote:

• illegal content or illegal benefits;
• content that infringes third-party intellectual property or other rights (unless you have permission or a lawful basis);
• raffles or prizes based on chance (where prohibited/regulated);
• pornography or other mature audience content depicting nudity, erotic or explicit sexual acts;
• content intended to promote or offer services such as prostitution, escorts, pay-per-view mature content, sexual massages, or adult live chat features;
  
• derogatory, hateful, harassing, threatening, deceptive, defamatory, abusive or otherwise offensive content, especially content targeting protected groups or interfering with personal rights (dignity, privacy, personal portrayal, bodily integrity, etc.).

1. Reporting content. If you believe content violates these Terms or law, you can report it through the Platform or by contacting us via the designated contact methods. We may also proactively review content to detect violations.
2. Moderation actions. If we reasonably believe content is in breach of these Terms, other policies, or may cause harm to Tradeforge, Users, or third parties, we may (at our discretion and proportionate to the situation): remove or restrict visibility of content, refuse publication, limit distribution, suspend features, or suspend/terminate Accounts.
3. Human Review. We do not use algorithmic or automated decision-making to make moderation decisions; content review is performed by humans.
4. Notice of decision. When we remove content, refuse to publish it, or take other moderation action that materially affects you, we will notify the relevant User/Creator and briefly explain the reasons, unless law permits otherwise or providing notice would compromise security or enforcement.
5. Appeals. If you disagree with a moderation decision, you may submit an objection via e-mail within 15 days of receiving the notice. Tradeforge will review the objection within 30 days through a committee consisting of at least three Tradeforge team members who were not involved in the original decision, and we will notify you of the committee’s decision by e-mail. The committee’s decision is final within Tradeforge’s internal process.
6. Appeals. We do not use algorithmic or automated decision-making to make moderation decisions; content review is performed by humans.
7. Illegal content notices (DSA alignment). If you notify us of illegal content, we will confirm receipt, evaluate the notice, and inform you and the relevant user of our decision with brief reasons. We may decline to process notices that are incomprehensible or do not identify the relevant content. If we provide a structured notice form (including an annex), you should include the required information; incomplete notices may not be processed.
8. Data security. You are responsible for keeping any data you download or use from the Platform secure. Accounts are personal and cannot be sold or transferred.

14. Third-party apps

TLDR: To get the most out of our Platform you may grant Tradeforge permission to access third-party apps. You may also grant third-party apps access to your Account. You may revoke these permissions at any time.

9. Access. You may grant Tradeforge access to your third-party accounts, such as Google, YouTube, Facebook, Instagram, Twitter, and Twitch, in order for some Platform features to operate. Each time you connect your third-party account, that third-party account will present a page that describes the information that Tradeforge can access.
10. User Data. To ensure a smooth User experience, we keep working on Platform’s integration with other apps. You may thus authorize certain third-party apps to access your Platform data. In doing so, you instruct us to grant the third-party app access to the selected extent of your information. You may need to consent to the third-party app’s specific terms of use. Our privacy policy applies.
11. Revocation. At any time, you can revoke Tradeforge’s access to those accounts using the respective third party’s security settings page.

15. Tradeforge’s creations

TLDR: We encourage you to use our intellectual property to promote your Tradeforge page, but do not use our intellectual property for anything else without permission.

12. Copyright Protection. Our creations are protected by copyright, trademark and trade secret laws. Some examples of our creations are the text on the site, our logo, and our codebase. We grant you a license to use our logo and other copyrights or trademarks to promote your Tradeforge page or profile.
13. Copyright Restrictions. You may not otherwise use, reproduce, distribute, perform, publicly display or prepare derivative works of our creations unless we give you permission in writing. Please ask if you have any questions.
14. Restrictions on Use of Tradeforge Intellectual Property.
    You shall not, and shall not permit any third party to, (i) copy, modify, adapt, translate, reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the Platform or any part thereof, (ii) circumvent or attempt to circumvent any security or technical measures of the Platform, (iii) scrape, harvest, extract, mine, benchmark or otherwise collect data, content, algorithms or information from the Platform (whether manually or by automated means, including bots, spiders, crawlers, or similar technologies), (iv) use the Platform for the purpose of developing or offering a product or service competitive with the Platform, or (v) use Tradeforge’s trademarks, trade names, logos or other brand elements except as expressly authorized in writing by Tradeforge.

Any unauthorized use of Tradeforge’s intellectual property shall constitute a material breach of these Terms and may result in immediate suspension or termination of your Account, without prejudice to Tradeforge’s other legal or equitable remedies.

15. Data Collection. You may not scrape, collect, process or in any other way use our data or any other content of the Platform unless we give you permission in writing.

16. Indemnity

TLDR: To the extent permitted by law, you indemnify us from all losses and liabilities, including legal fees, that arise from these Terms.

16. You agree to indemnify us against third-party claims directly arising from your unlawful use of the Platform, provided that such claims are not caused by our own negligence or breach of duty.. X You agree to indemnify, defend and hold harmless Tradeforge, its affiliates, officers, directors, employees, and agents, from and against any and all claims, damages, liabilities, costs and expenses (including reasonable legal fees) arising out of or related to (i) your breach of these Terms, (ii) your use of the Platform, or (iii) your violation of any law or third-party rights. We reserve the right to exclusive control over the defense of a claim covered by this clause. If we use this right then you will help us in our defense.
17. Your obligation to indemnify under this clause also applies to our subsidiaries, affiliates, officers, directors, employees, agents and third-party service providers.

17. Warranty disclaimer

TLDR: The Platform is provided “as is” and without any warranty.

18. No Warranty. We provide the Platform with the reasonable skill and care expected under applicable law. To the extent permitted, we exclude all other warranties. Any warranty of merchantability, fitting into a particular purpose, non-infringement, and any other warranty is excluded to the greatest extent permitted by law. We are not responsible for technical outages in our systems or third-party systems. The disclaimers of warranty under this clause also apply to our subsidiaries, affiliates and third-party service providers.
19. Loss of Data. You acknowledge and agree that Tradeforge shall not be responsible for any loss of data uploaded on the Platform. We strongly recommend you to regularly back up the data that you do not want to lose.

18. Limitation of liability

TLDR: To the extent permitted by law, we are released from liability. If you lose money as a result of using the Platform, any payment to you is limited to the amount of money we have earned through your use of the Platform.

20. Liability Limitation. Nothing in these Terms shall limit or exclude liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or for wilful misconduct. Subject to the foregoing, our liability for damages is limited to to the amount of money we have earned through your use of the Platform in the past 12 months. We are specifically not liable for loss associated with unfulfilled benefits and from losses caused by conflicting contractual agreements. For this clause “we” and “our” is defined to include our subsidiaries, affiliates, officers, directors, employees, agents and third-party service providers.
21. Force Majeure. Tradeforge shall not be liable or responsible for any failure or delay in performance of its obligations under these Terms, or for any unavailability of the Platform or Services, to the extent such failure or delay is caused by events beyond its reasonable control, including but not limited to acts of God, natural disasters, fire, flood, earthquake, epidemic or pandemic, war, terrorism, civil unrest, labour disputes or strikes, governmental action, sanctions, embargoes, changes in laws or regulations, interruptions or failure of electricity, internet or telecommunications services, failure of third-party service providers (including the Broker), or any other events of a similar nature.

In such circumstances, Tradeforge’s obligations shall be suspended for the duration of the Force Majeure event, and Tradeforge shall not be obliged to provide any compensation, refunds or damages to Users. Tradeforge will use reasonable efforts to mitigate the effects of the Force Majeure event and to resume performance as soon as reasonably practicable.

19. Dispute resolution and Governing law

TLDR: Please try to resolve any disputes with us amicably. Terms are governed by the laws of the Czech Republic. Disputes arising from these Terms shall be the exclusive jurisdiction of the competent courts of the Czech Republic.

22. Amicable Dispute Resolution. We encourage you to contact us if you have an issue. If a dispute does arise out of these Terms or related to your use of the Platform, and it cannot be resolved after you talk with us, then it must be resolved by competent courts.
23. Governing Law. These Terms shall be governed by and construed in accordance with the laws of the Czech Republic. These Terms will not limit any consumer protection rights that you may be entitled to under the mandatory laws of your country of residence.
24. Jurisdiction. These Terms shall be governed by the laws of the Czech Republic. If you are a business User, you agree that all disputes shall be subject to the exclusive jurisdiction of the courts of the Czech Republic. If you are a consumer, mandatory statutory jurisdiction rules apply; however, you agree not to initiate proceedings elsewhere unless required by mandatory law.
25. Arbitration for Business Users.
    If you are a business User (i.e., not a consumer within the meaning of applicable law), any dispute, controversy or claim arising out of or in connection with these Terms, including any question regarding their existence, validity, interpretation, breach or termination, shall be finally settled by arbitration before the Arbitration Court attached to the Economic Chamber of the Czech Republic and Agricultural Chamber of the Czech Republic, in accordance with its Rules. The number of arbitrators shall be one, the language of the arbitration shall be English, and the place of arbitration shall be Prague, Czech Republic.
26. The arbitral award shall be final and binding on both parties, and judgment upon the award may be entered in any court having jurisdiction thereof.
27. For the avoidance of doubt, if you are a consumer, mandatory statutory jurisdiction rules apply and you may bring proceedings before the competent courts in your country of residence.

20. Alternative dispute resolution for consumers

1. Consumer. If you (as a User) are also a consumer, i.e., you conclude the Agreement with us outside your business, according to the Czech Act No. 634/1992 Sb., the Consumer Protection Act, you as a consumer have the right to an alternative dispute resolution of a consumer dispute arising from the Agreement. In such a case, you may contact the Czech Trade Inspection Authority (Central Inspectorate - ADR Department, Štěpánská 44, 110 00 Prague 1, Czech Republic, e-mail: adr@coi.cz, website: www.adr.coi.cz).
2. Alternative Dispute Resolution. The alternative dispute resolution of a consumer dispute is always initiated only at your request, in the event that you have not been able to resolve the dispute with us directly (if it concerns the provision of our services).
3. Application. You can file an application for out-of-court dispute resolution no later than one year from the date you first exercised your right in dispute with us - simply put - when you first complained to us.
4. Out-of-court Dispute Resolution. In addition, you can also initiate out-of-court dispute resolution online on the ODR platform available at www.ec.europa.eu/consumers/odr.

21. Miscellaneous

TLDR: These Terms and other policies are the entire Agreement between you and us. We may sometimes make changes to these Terms and other policies, if we do so significantly, we will let you know!

5. Whole Agreement. These Terms and any referenced policies are the entire Agreement between you and us, and supersede all prior agreements and don’t create any partnership, joint venture, employee-employer or franchiser-franchisee relationship between you and us. If any provision of these Terms is held to be unenforceable, then that provision is modified to the extent necessary to enforce it. If a provision cannot be modified, it is severed from these Terms, and all other provisions remain in force. If either party fails to enforce a right provided by these Terms, it does not waive the ability to enforce any rights in the future.
6. Survival. Any provisions of these Terms which by their nature should survive termination or expiration of the Agreement shall so survive, including but not limited to provisions on ownership and license of content, intellectual property rights, indemnity, limitation of liability, warranty disclaimers, compliance and sanctions, governing law, dispute resolution and jurisdiction. Such provisions shall remain valid and enforceable notwithstanding the termination or expiration of your Account or the Agreement.
7. Exclusion of the UN Convention. Specifically excluded from application to these Terms is the law known as the United Nations Convention on the International Sale of Goods.
8. Changes to the Terms. We may unilaterally change or amend the wording of the Terms at any time. The new wording of the Terms and Conditions is effective on the 15th day of its publication on the Platform. We will inform you about such a change via the Platform and when you log into your Account. If you do not agree with the new wording of the Terms, you may immediately terminate the Agreement by the Platform. This shall be done without prejudice to the rights and obligations arising during the period of validity of the previous wording of the Terms. If you do not exercise your right to terminate the Agreement, the new wording of the Terms will be considered as accepted.
9. Notifications. We will send you information relating to your Account (e.g. payment authorizations, invoices, changes in password or payment method, confirmation messages, notices) in electronic form only, for example via emails to your email address provided during registration.
10. Trade License. We are entitled to provide you with the Services and operate the Platform based on a trade license; the trade license control is performed, within the scope of its competence, by the relevant trade license office. We are also subject to the supervision of the Czech Trade Inspection Authority regarding compliance with the Czech Act No. 634/1992 Sb., Consumer Protection Act, as amended.
11. Questions. If you have any questions or concerns regarding these Terms or other policies, please contact us.

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Annex 1

NOTICE AND ACTION FORM

 

Sent by (name and surname):

Contact details (e-mail):

Explanation why do you consider the content to be illegal:

 

 

 

 

Clear identification and description of the content you consider to be illegal (URL address and if necessary additional information enabling the identification of the illegal content):

 

 

 

 

 

By sending this report you confirm your bona fide (genuine) belief that the information and allegations contained therein are accurate and complete