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    <h1>Terms of Service</h1>
    <p class="legal-updated">Last updated: August 2026</p>

    <p>These Terms of Service ("Terms") govern your use of TraderAlign ("the platform," "we," "us"). By creating an account or using the platform, you agree to these Terms.</p>

    <h2>1. What TraderAlign Is</h2>
    <p>TraderAlign is a trade journaling, analytics, and coaching tool. It helps you plan, record, and review your own trading decisions. TraderAlign is not a broker, does not execute trades on your behalf, and does not provide financial, investment, or trading advice. See our <a href="/traderalign/risk-disclosure">Risk Disclosure</a> for more on this.</p>

    <h2>2. Your Account</h2>
    <p>You are responsible for keeping your account credentials confidential and for all activity that happens under your account. Please provide accurate information when you create your account, and keep it up to date.</p>

    <h2>3. Acceptable Use</h2>
    <p>When using TraderAlign, you agree not to:</p>
    <ul>
        <li>Use the platform for any unlawful purpose or in a way that violates applicable regulations.</li>
        <li>Attempt to gain unauthorized access to any part of the platform, other users' accounts, or the underlying infrastructure.</li>
        <li>Scrape, reverse engineer, or attempt to extract the platform's proprietary calculation logic, pricing data, or algorithms.</li>
        <li>Use Colex AI or any other feature to generate content that is abusive, unlawful, or infringes on the rights of others.</li>
    </ul>

    <h2>4. Subscription Plans &amp; Billing</h2>
    <p>TraderAlign offers a free tier and several paid subscription tiers, described on our <a href="/traderalign/pricing">Pricing</a> page. Paid subscriptions renew automatically until cancelled. You can cancel at any time from your account, and cancellation takes effect at the end of the current billing period. You will keep access to paid features until then.</p>

    <h2>5. AI Features (Colex)</h2>
    <p>Colex AI generates analysis and coaching based on your journaled trading data, using a third-party AI provider. AI-generated output can be incorrect or incomplete. It is provided for informational and educational purposes only and should never be treated as a guarantee, a trading signal, or financial advice. Each subscription tier includes a monthly usage allowance for Colex AI, described on the Pricing page.</p>

    <h2>6. Intellectual Property</h2>
    <p>The TraderAlign platform, including its design, calculation logic, and underlying software, is owned by TraderAlign and protected by applicable intellectual property laws. Your own trading data remains yours. We do not claim ownership of the trades, strategies, or notes you enter.</p>

    <h2>7. Refund Policy</h2>
    <p>Subscription charges are generally non-refundable once a billing period has started. If you believe you were charged in error, please contact us within 14 days of the charge and we will review it in good faith. Refunds are not provided for partial use of a billing period following a voluntary cancellation. For full details, see our <a href="/traderalign/refund-policy">Refund Policy</a>.</p>

    <h2>8. Disclaimer &amp; Limitation of Liability</h2>
    <p>TraderAlign is provided "as is," without warranties of any kind. We do not guarantee that the platform will be uninterrupted or error-free, or that any analytics, calculations, or AI output will be accurate in every case. To the fullest extent permitted by law, TraderAlign is not liable for trading losses, lost profits, or indirect or consequential damages arising from your use of the platform.</p>

    <h2>9. Account Termination</h2>
    <p>You may stop using TraderAlign and close your account at any time. We may suspend or terminate accounts that violate these Terms or applicable law.</p>

    <h2>10. Changes to These Terms</h2>
    <p>We may update these Terms from time to time. Continued use of the platform after an update means you accept the revised Terms.</p>

    <h2>11. Contact</h2>
    <p>Questions about these Terms can be sent to <a href="mailto:kelvinmwaruka@gmail.com">kelvinmwaruka@gmail.com</a>.</p>

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