Terms & Conditions and Privacy Policy

01 Regulatory Status & SEBI Disclosure

TRADE MOOL is a personal record-keeping, analytics and educational tool. It is not a regulated financial service. Specifically:

• TRADE MOOL is not registered with the Securities and Exchange Board of India (SEBI) as an Investment Adviser under the SEBI (Investment Advisers) Regulations, 2013
• TRADE MOOL is not registered with SEBI as a Research Analyst under the SEBI (Research Analysts) Regulations, 2014
• TRADE MOOL is not a stock broker, sub-broker, portfolio manager, mutual fund distributor, or depository participant
• TRADE MOOL is not registered with the Reserve Bank of India (RBI) and does not provide any payment, lending, or deposit service

Accordingly:

• Nothing on the Service is a buy, sell, or hold recommendation for any security, derivative, commodity, or crypto asset
• No output of the Service — including analytics, pattern detection, AI Coach messages, scores, alerts, or backtest results — should be treated as investment advice or a research report
• We make no claim, promise, or guarantee of profit, returns, or performance of any kind, and we never will
• Any analysis shown is generated from data you yourself entered, or from publicly available market data, and is provided for your own review and education

If you require personalised investment advice, please consult a SEBI-registered Investment Adviser or another appropriately licensed professional.

02 Acceptance of Terms

By creating an account or using TRADE MOOL (the "Service"), you agree to these Terms & Conditions and this Privacy Policy. If you do not agree, please do not use the Service. We may update these terms from time to time — see Changes to These Terms.

TRADE MOOL is intended for users who are at least 18 years old, or the age of legal majority in your jurisdiction, whichever is higher.

03 What TRADE MOOL Is

TRADE MOOL is a trading journal, analytics, AI coaching, and backtesting platform. It helps you:

• Log and review trades across equity, options, and crypto
• Analyze your performance and behavioral patterns
• Chat with "TradeMool AI," an AI trading coach, for insights and market context
• Practice strategies on historical data using the Backtest Terminal
• Track a watchlist, playbook, trading plan, and more

TRADE MOOL is a record-keeping, analysis and educational tool. It does not place trades on your behalf, hold your funds, or connect directly to your broker or exchange account.

Everything the platform produces is for education and self-review only. This applies without exception to the website, the mobile app, the AI Coach, analytics, trading scores, pattern detection, alerts, watchlists, and backtest results. None of it is investment advice, a recommendation, or a prediction, and none of it should be relied upon as the basis for any financial decision.

04 Trading & Financial Risk Disclaimer

You acknowledge and agree that:

• All trading decisions are made solely by you, at your own risk
• Past performance (yours or from any backtest) does not guarantee future results
• Backtest results are hypothetical, run on historical data, and do not account for real-world factors like slippage, liquidity, or execution delay
• Market data shown (prices, indices, crypto rates) is sourced from third parties and may be delayed or occasionally inaccurate — always verify with your broker before acting
• TRADE MOOL and its team are not registered investment advisors, brokers, or financial planners

If you need personalized financial advice, please consult a licensed, qualified professional.

05 AI Coach & AI-Generated Content

TradeMool AI (the AI Coach) uses third-party AI models to generate responses, signals, and coaching based on your journal data and live market data. Please understand:

• AI responses can be wrong, incomplete, or based on stale data — always use your own judgment
• TradeMool AI's "Signal / Alert / Advice" format is a decision-support tool, not an instruction to trade
• Trade details that TradeMool AI extracts from a screenshot, CSV, or your message are shown to you for confirmation before anything is saved — always review these carefully
• Conversations with TradeMool AI may be processed by our AI infrastructure provider to generate a response (see Third-Party Services We Use)

06 Your Account

You can create an account using a one-time email code or Google Sign-In. You are responsible for:

• Keeping your login credentials and devices secure
• All activity that happens under your account
• Providing accurate information (e.g., your name, email)

One account is intended per individual. Notify us immediately at contact@trademool.com if you suspect unauthorized access to your account.

07 What Data We Collect

We collect only what's needed to run TRADE MOOL for you:

Account information

• Email address, display name, and profile photo (if you upload one)
• Login method (email OTP or Google) and authentication tokens
• Device and login history, for your account's security page

Trading data you provide

• Trades you log — asset, entry/exit, size, P&L, strategy, notes, emotion/behavior tags, and any screenshots you attach
• Watchlist, playbook entries, trading plan/notebook text
• Capital, currency preference, and risk-limit settings you configure

AI Coach usage

• Your conversation history with TradeMool AI, so context carries across your devices and sessions
• Images or files you attach for the AI to read (e.g., broker statements)

Technical data

• Push notification subscription details, if you enable notifications
• Basic usage data (e.g., daily AI message count) used only to apply fair-use limits

We do not ask for or store your broker login, bank details, or trading account credentials.

08 How We Use Your Data

• To provide the Service — save your trades, render your analytics, and sync your data across web and app
• To power the AI Coach — your journal data and question are sent to our AI provider to generate a relevant response
• To send you notifications you've opted into (support replies, product updates)
• To keep the Service secure — detect suspicious logins, enforce fair-use limits
• To respond when you contact support

We do not sell your personal data or trading data to third parties.

09 Third-Party Services We Use

TRADE MOOL relies on a small number of trusted providers to function:

• Google Sign-In — if you choose to log in with Google, Google shares your name, email, and profile photo with us per your Google account permissions
• AI infrastructure provider — powers the AI Coach's replies; your message and relevant journal context are sent to generate a response
• Market data providers (e.g., Yahoo Finance, Binance, NSE) — supply live price data; no personal data is sent to them
• Email delivery provider — sends your one-time login codes

Each provider only receives what's necessary for their specific function.

10 Where Your Data Is Processed

TRADE MOOL is operated from India. Some providers listed above run infrastructure outside India, so limited parts of your data may be transmitted to and processed on servers in other countries — for example when the AI Coach generates a reply, or when a one-time login code is emailed to you.

Where that happens we send only what is necessary for that specific function, and use providers that offer contractual and technical safeguards for the data they handle.

11 How Long We Keep Your Data

• While your account is active — we keep your trades, notes, settings and chat history so the Service works across your devices.
• After you delete your account — removed from our live systems within 30 days.
• Records required by law — invoices, tax and payment records are kept as long as Indian tax and accounting law requires, even after account deletion.
• Inactive accounts — if an account stays unused for a very long time, we may reach out to you first. Any action on inactive accounts will follow applicable law and our then-current retention policy.

12 Cookies & Local Storage

We do not use advertising or tracking cookies, and we do not run third-party ad networks. We do store a small amount of data in your browser or app so the Service can work:

• Session token — keeps you logged in
• Preferences — theme, currency, language and similar settings
• Offline cache — parts of the interface, so the app opens fast and tolerates a poor connection

You can clear all of it by logging out or clearing site data in your browser or app settings. That signs you out but deletes nothing from your account.

13 Data Security & Isolation

• All data is transmitted over encrypted connections (HTTPS)
• Your account is protected by a session token that is cryptographically bound to your username — another user's session cannot access your data, and vice versa
• Uploaded images (like trade screenshots) are stored with randomized, non-guessable filenames
• Admin access to the platform is restricted and logged

Your data is stored on our server in the usual way; we do not claim that it is encrypted at rest. Please keep your own copy of anything important — you can export all your trades at any time from Profile → Import/Export.

14 Your Rights & Choices

• Export — download all your trades as CSV or PDF at any time from Profile → Import/Export
• Correct — edit or delete any trade, note, or profile detail yourself, anytime
• Delete your account — request full account deletion from Profile → Devices & Security, or by emailing us; this removes your trades, chat history, images, and profile data from our systems
• Notifications — turn push notifications and the daily reminder on or off in Profile settings

Under India's Digital Personal Data Protection Act, 2023, we act as the Data Fiduciary for your personal data and you are the Data Principal. In addition to the controls above, you have the right to:

• Access — ask for a summary of the personal data we hold about you and how it is processed
• Correction and erasure — have inaccurate data corrected, completed, or deleted
• Withdraw consent — withdraw consent for any processing that relies on it. Withdrawing consent does not affect processing already carried out, and some features may stop working; you can also simply delete your account.
• Nominate — nominate another individual to exercise these rights on your behalf in the event of your death or incapacity

To use any of these, either message us from inside the app (Profile → Help & Support) or email contact@trademool.com from the address registered on your account. We may need to confirm your identity first, and we will try to help you as soon as we can.

15 Your Content

You own the trades, notes, and files you upload to TRADE MOOL. By using the Service, you grant us a limited license to store, process, and display that content solely to provide the Service to you (e.g., rendering your analytics, sending it to the AI Coach when you ask a question). We do not sell your data, and we do not use it to train our own AI models. Your trades stay tied to your own account. When you ask the AI Coach a question, the relevant part is sent to our AI provider only to generate that answer; we ask providers not to retain it for training, but their own policies apply to their systems.

16 Our Intellectual Property

The previous section covers content you create. Everything else belongs to us: the TRADE MOOL name, logo, branding, user interface, design, source code, database structure, documentation, and all analytics and scoring methods used in the Service are our intellectual property, protected under Indian and international law.

Using the Service does not transfer any ownership to you. You are granted a limited, personal, non-exclusive, non-transferable licence to use the Service for your own trading journal. Without our written permission you may not copy, clone, resell, sublicense, publicly display, or create a competing product from any part of the Service, its code, or its design.

17 Acceptable Use

Please don't:

• Use TRADE MOOL for anything illegal, or to violate others' rights
• Attempt to bypass rate limits, security measures, or access another user's account or data
• Use the AI Coach to generate harmful, abusive, or illegal content
• Reverse-engineer, scrape, or resell the Service without permission

We may suspend or terminate accounts that violate these terms.

18 Service Availability

We work to keep TRADE MOOL running reliably, but we do not promise uninterrupted or error-free service, and we do not offer a guaranteed uptime commitment.

• The Service may be unavailable during planned maintenance or unplanned outages
• Features may be added, changed, or removed as the product evolves
• Features marked beta or experimental are provided as-is and may be unstable or withdrawn
• Market data depends on third-party sources and may be delayed or temporarily unavailable

Where reasonably possible, we will give advance notice of significant planned downtime or the removal of a major feature.

19 Suspension & Termination

By you — you may stop using TRADE MOOL at any time and delete your account from Profile → Devices & Security, or by emailing us.

By us — we may block, suspend, or delete any account at our sole discretion and without prior notice or explanation, including if we believe you have broken these Terms, if we detect fraud, abuse, or an attempt to interfere with the Service or another user's data, or if we are required to act by law.

We are not obliged to warn you first, to give a reason, or to preserve your data after an account is blocked or deleted. Because of this, please export anything you care about regularly (Profile → Import/Export) — we accept no liability for data lost as a result of an account being blocked or removed.

20 Limitation of Liability

TRADE MOOL is provided "as is." To the maximum extent permitted by law:

• We are not liable for any trading losses, missed opportunities, or financial decisions you make based on information from the Service, including AI Coach responses or backtest results
• We are not liable for delays, inaccuracies, or interruptions in market data
• We are not liable for indirect, incidental, special, punitive, or consequential damages, or for loss of profit, goodwill, or data, arising from your use of the Service
• We are not liable for the acts or omissions of third-party providers (payment gateways, AI providers, market data sources, email delivery)

Overall cap. TRADE MOOL is currently provided free of charge. Where we are found liable despite the above, our total aggregate liability for all claims is limited to the total amount (if any) you have actually paid us for the Service.

Nothing in this section limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be limited or excluded under applicable Indian law.

21 Indemnification

You agree to indemnify and hold harmless TRADE MOOL, its operator, and anyone working on its behalf, from any claim, demand, loss, liability, or reasonable legal cost brought by a third party arising out of: your breach of these Terms; your misuse of the Service; content you upload that infringes someone else's rights or breaks the law; or any trading decision you make.

This does not apply to the extent a claim is caused by our own gross negligence, fraud, or wilful misconduct.

22 Grievance Officer

In accordance with the Information Technology Act, 2000 and the rules made under it, and the Digital Personal Data Protection Act, 2023, the following officer handles complaints about the Service or about your personal data:

• Name: Adarsh
• Designation: Grievance Officer, TRADE MOOL
• Email: contact@trademool.com

You can also reach us from inside the app (Profile → Help & Support). We will look into your complaint and try our best to resolve it, though we cannot promise a particular outcome or timeframe.

23 General Legal Terms

• Severability — if any part of these Terms is found invalid or unenforceable, that part is limited or removed to the minimum extent necessary, and the rest stays in full force.
• No waiver — if we do not enforce a right on one occasion, that is not a waiver of that right in future.
• Assignment — you may not transfer your account or your rights under these Terms to anyone else. We may transfer ours to another person or entity (for example if the business is sold or merged) at any time.
• Entire agreement — this page is the complete and only agreement between you and us. Anything said earlier — in a chat, an email, an advertisement, a social media post, or a conversation — does not count and is not binding on us. Only what is written here applies.
• Force majeure — we are not liable for failure or delay caused by events beyond our reasonable control, including internet or hosting failures, power outages, natural disasters, epidemics, war, strikes, or government action.
• Third-party links — the Service may link to sites we do not control. We are not responsible for their content, accuracy, or privacy practices.
• Notices — we will contact you at the email on your account or through an in-app message. You can reach us at contact@trademool.com.
• Language — these Terms are drafted in English. If translated, the English version governs in the event of any conflict.
• Applies to everything — these Terms cover the whole of TRADE MOOL: the website, the mobile app, the AI Coach, the Backtest Terminal, and any other tool or feature we offer now or in the future, on any device.
• Future changes to the product — TRADE MOOL is under active development. Features may be added, changed, restricted, or removed at any time without prior notice, and the app and website may be updated at any time. Using the Service means you accept it as it is at that moment.
• No responsibility — to the maximum extent permitted by applicable law, we are not liable for indirect, incidental, special or consequential loss arising out of your use of TRADE MOOL, including trading losses, data loss, breaches, downtime, errors in any figure or analysis shown, or decisions you take based on anything on the platform. You use the Service entirely at your own risk.
• Survival — sections on intellectual property, liability, indemnity, and governing law continue to apply after your account is closed.

24 Changes to These Terms

We may update these Terms & Conditions or Privacy Policy from time to time to reflect changes to the Service or legal requirements. We'll update the "Last updated" date above, and for significant changes, we'll notify you in-app or by email. Continued use of TRADE MOOL after changes take effect means you accept the updated terms.