These Terms and Conditions ("Terms") govern your access to and use of ExpectancyIQ (the "Service"). By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1. What ExpectancyIQ Is
ExpectancyIQ is a self-serve trade journaling and analytics tool. You import trade history (for example, from a CSV export) or connect a supported broker for read-only trade-history synchronization, and the Service computes statistics, charts, and simulations from that data — including a Forecast (risk simulator) that projects forward using your own historical trade distribution. ExpectancyIQ may connect to supported third-party trading platforms for read-only trade-history synchronization; it does not place, modify, or manage trades, and does not hold or transmit funds. See our Risk Disclosure for the full scope of what the Service is — and is not.
2. Your Account
- You must provide accurate information and keep your login credentials secure.
- You must be at least 18 years old to use the Service.
- You are responsible for all activity that occurs under your account.
- One account per individual — sharing credentials or reselling access is not permitted.
3. No Investment or Financial Advice
Nothing in the Service constitutes investment, financial, tax, or legal advice, or a recommendation to buy, sell, or hold any security, contract, or instrument. Statistics, charts, and simulations reflect your own historical data only and are not predictions of future performance. You are solely responsible for your trading and financial decisions.
4. Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose or in violation of these Terms.
- Attempt to gain unauthorized access to the Service, other accounts, or our systems.
- Reverse-engineer, scrape, or resell the Service without our written permission.
- Upload data you do not have the right to upload, or that infringes another party's rights.
- Interfere with or disrupt the integrity or performance of the Service.
5. Subscription & Billing
ExpectancyIQ is offered on an annual subscription basis, with a monthly plan also available at $15 per month, which renews every month and is not discounted by promotions. New accounts receive a 14-day free trial of the Service; once the trial ends the account stays available read-only — you can sign in and view your existing data, but importing, adding or changing data requires a paid subscription. The paid subscription itself carries no additional trial period. List pricing is $132 per year. A promotional price of $99 per year is offered during limited promotional periods; if you subscribe at a promotional price, that price applies to every subsequent renewal for as long as your subscription remains active and uninterrupted. Payment is processed by Stripe at signup and your subscription automatically renews each year (or each month, on the monthly plan) at the price you subscribed at unless you cancel before the renewal date. If you cancel and later resubscribe, the price current at that time applies. If we change the price that applies to your renewal, we will give you reasonable advance notice by email before it takes effect. See our Billing and Refund policy for how cancellation and billing works.
6. Your Data
You retain ownership of the trade data, journal entries, and other content you upload or enter into the Service ("Your Data"). You grant us a limited license to store, process, and display Your Data solely to provide and improve the Service to you. See our Privacy Policy for how we handle personal data.
7. Disclaimer of Warranties
The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that any statistic, chart, or simulation is accurate or complete — accuracy depends entirely on the data you provide.
8. Limitation of Liability
To the fullest extent permitted by law, ExpectancyIQ and its operators will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or trading losses, arising from or related to your use of the Service, even if advised of the possibility of such damages. Our total liability for any claim arising from these Terms or the Service will not exceed the amount you paid us in the twelve months preceding the claim.
9. Termination
You may stop using the Service and cancel your subscription at any time. We may suspend or terminate your access if you violate these Terms, misuse the Service, or fail to pay applicable fees. Upon termination, your right to use the Service ends, though these Terms will continue to apply to the extent relevant (e.g., limitation of liability, governing law).
10. Governing Law & Disputes
These Terms are governed by the laws of the United States, without regard to conflict-of-laws principles. Any dispute arising from these Terms or the Service will first be addressed through good-faith negotiation; if unresolved, it will be settled by binding arbitration on an individual basis (no class actions), conducted in English. This section will be updated to name a specific governing state and venue once ExpectancyIQ operates under a registered legal entity.
11. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will update the "Last updated" date above. Continued use of the Service after changes take effect means you accept the updated Terms.
12. Contact
Questions about these Terms? Contact us.