SYMETRIQ — Terms of Service

Document version: v4.2-DRAFT · Effective launch · Version 4.2 Status: DRAFT FOR LEGAL REVIEW — NOT FINAL. Must be reviewed and approved by qualified fintech / securities / CFTC counsel before publication. Supersedes: PRISM ToS V2 (April 2026), SYMETRIQ ToS v3 (S195, June 2026), SYMETRIQ ToS v4.1 Last Updated: launch Effective Date: launch

PLEASE READ THESE TERMS CAREFULLY. THEY ARE A BINDING CONTRACT. They contain trading risk disclosures, a limitation of liability, an indemnity, and — subject to your right to opt out within 30 days (Section 21.5) — a binding arbitration agreement and class-action waiver.

BY CHECKING THE ACCEPTANCE BOX, CREATING AN ACCOUNT, OR ACCESSING OR USING SYMETRIQ, YOU AGREE TO THESE TERMS, THE RISK DISCLOSURE STATEMENT, AND THE PRIVACY POLICY. IF YOU DO NOT AGREE, DO NOT USE SYMETRIQ.

Section map

1. Definitions
2. What SYMETRIQ is — and is not
3. Regulatory status
4. Eligibility
5. Your account
6. Broker connections and API keys
7. AI providers, infrastructure, and other third parties
8. How trading works on the Platform
9. Strategy Builder, backtesting, and AutoResearch
10. AI-generated analysis
11. Risk controls, the halt switch, and emergency actions
12. Paper trading, live trading, and beta
13. Prop-firm and evaluation accounts
14. Self-directed use — prohibited third-party services
15. Acceptable use
16. Fees, trial, renewal, and cancellation
17. Data security and privacy
18. Intellectual property
19. Warranty disclaimer
20. Limitation of liability
21. Dispute resolution — arbitration and 30-day opt-out
22. Indemnification
23. Term, suspension, and termination
24. General terms
25. Contact

1. Definitions

"SYMETRIQ," "Platform," "Service," "we," "us," "our" means the SYMETRIQ software platform operated by SYMETRIQ LLC, a Wyoming limited liability company with its principal place of business in St. George, Utah, including the website at symetriq.ai, the application programming interface at api.symetriq.ai, the web application, documentation, and related services.

"You," "your," "User" means the natural person who creates an account or uses the Platform. The Platform is offered to natural persons trading for their own account. Entity accounts require our prior written approval and are operated by one designated natural person (Section 5.3).

"Broker" means any third-party brokerage, exchange, dealer, or trading venue that you connect to the Platform using credentials the Broker issued to you.

"Broker API Key" means the API key, secret, token, or other credential a Broker issues to you and that you enter into the Platform to authorize order transmission to your Broker account.

"LLM Provider" means a third-party large-language-model service (for example, OpenRouter or a LiteLLM-compatible endpoint) that you connect to the Platform using your own account and API key.

"Strategy" means a set of trading rules, parameters, risk settings, instrument selections, and schedules that you author, configure, import, or approve on the Platform, including through Strategy Builder.

"Paper Mode" means simulated trading using internal simulation or a Broker's demo or practice account. No real money is at risk in Paper Mode.

"Live Mode" means order transmission to a Broker account funded with real money.

"Halt" or "Halt Switch" means the Platform function that stops the transmission of new orders. A Halt does not close, reduce, hedge, or otherwise alter positions you already hold.

"Hypothetical Performance" means any backtest, walk-forward test, simulation, Paper Mode result, AutoResearch output, or other performance figure not produced by actual trading of real money.

"Risk Disclosure" means the SYMETRIQ Risk Disclosure Statement, which is incorporated into these Terms.

In plain terms: SYMETRIQ is the software. You are the trader. Your Broker holds your money. Your keys let the software send orders to your Broker — nothing more.

2. What SYMETRIQ is — and is not

2.1 A software tool that runs your rules

SYMETRIQ is a self-directed software tool. You author or approve every Strategy. The Platform evaluates market data against the rules you set and, when those rules are satisfied and your configured risk controls permit, transmits orders to your Broker through your Broker API Key. The Platform applies the same software logic to every User; it does not tailor its logic, outputs, or Strategies to your personal financial situation, objectives, or existing positions.

2.2 What SYMETRIQ does not do

SYMETRIQ does not:

(a) hold, receive, transmit, or have access to your money, securities, or digital assets; (b) execute, clear, or settle trades — your Broker does; (c) provide investment, trading, tax, legal, or financial advice; (d) recommend that you buy, sell, or hold any instrument; (e) manage your account, exercise discretion over it, or hold any power of attorney or trading authorization; (f) guarantee any result, profit, fill, price, or availability; (g) receive any compensation from your Broker, from your trades, or from your results.

2.3 You are responsible

You are solely responsible for every Strategy you run, every setting you choose, every position you hold, and every result you experience. You must maintain your own ability to monitor and manage your positions directly at your Broker at all times, independent of the Platform.

2.4 No fiduciary duty, no suitability, no KYC, no insurance

We owe you no fiduciary duty. We do not assess whether trading, any instrument, or any Strategy is suitable or appropriate for you; that judgment is yours. We do not perform know-your-customer or anti-money-laundering verification — your Broker does, under its own obligations. Nothing you do through the Platform is insured or protected by the FDIC, SIPC, or any similar scheme; whatever protection exists is provided by your Broker, if at all.

In plain terms: think of SYMETRIQ as a very capable power tool. It does exactly what you set it to do. It does not tell you what to build, and it is not responsible for what you build with it.

3. Regulatory status

3.1 Not a broker-dealer, adviser, CTA, or money transmitter

SYMETRIQ LLC is not registered with, and does not hold any license from, the U.S. Securities and Exchange Commission, the Commodity Futures Trading Commission, the Financial Industry Regulatory Authority, the National Futures Association, the Financial Crimes Enforcement Network, or any state securities or banking regulator. We are not a broker-dealer, investment adviser, commodity trading advisor, commodity pool operator, futures commission merchant, introducing broker, money transmitter, custodian, or exchange, and we do not hold ourselves out as any of these.

3.2 Why our fees do not depend on your results

Our only revenue from you is a flat subscription fee (Section 16). We do not charge per trade, take a share of profits, receive payment for order flow, or accept referral or revenue-sharing payments from any Broker. This is deliberate: it keeps us a software vendor, not a participant in your trading.

3.3 Not an offer

Nothing on the Platform or on symetriq.ai is an offer, solicitation, or recommendation to buy or sell any instrument, or an offer of investment advisory services, in any jurisdiction.

3.4 Where the Platform is available

The Platform is offered to residents of the United States. We may make the Platform available in additional countries in stages. Where we do, the jurisdiction-specific terms in Section 24.10 apply. You may not use the Platform where doing so is unlawful, and you are responsible for compliance with the laws of the place where you live and trade.

3.5 Your own regulatory obligations

You are responsible for complying with every rule that applies to your trading, including without limitation pattern-day-trading and margin rules, position limits and large-trader reporting, short-sale and locate rules, retail forex and futures account requirements, exchange rules, prop-firm program rules, sanctions and export controls, and the tax treatment of your trades (including wash-sale rules). The Platform does not monitor for, warn about, or prevent breaches of these rules.

In plain terms: we are a software company. We are not licensed to advise you or hold your money, and we are built so that we never need to be.

4. Eligibility

4.1 Age and capacity

You must be at least 18 years old (or the age of majority where you live, if higher) and legally able to enter binding contracts. The Platform is not offered to anyone under 18.

4.2 Sanctions and restricted persons

You represent that you are not located in, organized under the laws of, or ordinarily resident in a country or territory subject to comprehensive U.S. sanctions; that you are not listed on, or owned or controlled by anyone listed on, any U.S., U.K., E.U., or U.N. sanctions list; and that you will not use the Platform for the benefit of any such person.

4.3 Your own Broker account

You may only connect Broker accounts that you legally own, or for which the Broker has formally issued you your own trading authorization and your own credentials. You may not enter, store, or use credentials that belong to another person, even with that person's consent.

4.4 Trading-knowledge acknowledgment

By enabling Live Mode you confirm that you understand the instruments you trade, including leverage and margin where applicable, that you have read the Risk Disclosure, and that you are trading only with money you can afford to lose.

In plain terms: adults only, your own account only, and you have to actually understand what you are doing before real money is involved.

5. Your account

5.1 Accurate information

You must provide accurate registration information and keep it current, including a working email address for service and safety notices.

5.2 Credentials and security

You are responsible for keeping your SYMETRIQ login and any multi-factor credentials confidential. You are responsible for everything done through your account, whether or not you authorized it, until you notify us of a compromise at hello@symetriq.ai. You may not share your account or let anyone else operate it.

5.3 One person, one account

Each natural person may hold one account. An entity account is operated by one designated natural person who is responsible for it; entity accounts may not be shared among individuals.

5.4 Identity verification

We may require reasonable proof of identity, age, residence, or Broker-account ownership at any time, and may suspend an account until it is provided.

5.5 Inactivity

If your account is inactive for 12 months we may, after notice, disconnect Broker and LLM connections and delete stored keys. Section 23 applies to closure.

6. Broker connections and API keys

6.1 Trade-only permissions — mandatory

You must configure every Broker API Key you connect with the minimum permissions necessary to read account data and place, modify, and cancel orders. You must not grant withdrawal, transfer, or funds-movement permission on any key connected to the Platform. Where your Broker supports IP allow-listing, you should restrict the key to the Platform's published addresses. If the Platform detects withdrawal permission on a connected key, it may warn you, refuse the connection, or disconnect the key.

6.2 How we handle your keys

Broker API Keys are encrypted at rest using AES-256-GCM with a master key held in a separate secrets store, decrypted only in memory for the duration of a Broker API call, never written to logs, and never displayed in plaintext to any SYMETRIQ personnel or administrative interface. Full details are in the Privacy Policy.

6.3 The Broker's rules govern

Your relationship with your Broker is governed by your Broker's agreements, not by us. You are responsible for complying with your Broker's terms, API policies, automation rules, and rate limits. Brokers place, route, execute, reject, and cancel orders in their own systems; we do not control your Broker and are not responsible for its acts or omissions.

6.4 Broker changes and disconnections

Brokers may change, restrict, or withdraw API access at any time. We may add, modify, suspend, or discontinue support for any Broker at any time, with or without notice, and are not liable for any resulting inability to transmit orders. If your Broker relationship ends or your API access is revoked, you must promptly disconnect the affected account.

6.5 Key compromise — where the risk sits

Even with encryption and trade-only permissions, a compromised Broker API Key can be used to place trades in your account. Phishing, malware on your devices, credential reuse, and breaches at your Broker or other services are outside our control. If a key is compromised, the financial impact falls on your Broker account, and you must immediately revoke the key at your Broker. Our liability for security incidents is limited as set out in Sections 19 and 20 and does not extend to losses caused by compromise originating outside our systems.

6.6 Verification status of integrations

We list the Brokers the Platform can connect to. Listing a Broker means the integration exists in software; it does not mean every feature is verified with every account type, and it does not mean the Broker endorses, sponsors, or partners with us. Current verification status is published at a page we will publish at launch and may change. At beta, new orders can be sent only through OANDA (forex) and Alpaca. Live stock trading through Alpaca is planned during the beta and is not available until it has been verified. Every Strategy starts in Paper Mode; live-money execution opens venue by venue, only after Broker-side stop-loss and take-profit placement is verified on that venue. Other integrations exist in software but do not accept new orders at beta. As of launch, no integration is verified for live-money execution for Users.

6.7 Trademark non-affiliation

Broker, exchange, and platform names and logos appearing on the Platform or on symetriq.ai belong to their respective owners and are used solely to identify technical compatibility. SYMETRIQ LLC is an independent third-party software provider and is not affiliated with, endorsed by, sponsored by, or authorized by any Broker unless we expressly say so in writing.

6.8 Your Broker's records control

The Platform keeps its own record of orders, fills, and positions and attempts to reconcile it with your Broker. If the Platform's records and your Broker's records disagree, your Broker's records control. Platform displays are for convenience; your Broker's statements are the authoritative record of your account and are your tax and dispute record, not ours.

6.9 Margin, liquidation, expiries, and corporate actions

Your Broker, not the Platform, manages margin. Your Broker may issue margin calls, reject orders, or liquidate positions under its own rules at any time without reference to your Strategy or to us. Futures contracts expire and roll; forex positions incur financing at rollover; equities are affected by dividends, splits, halts, and delistings; digital assets are affected by forks, airdrops, delistings, and network events. A Strategy that is not designed for these events may behave unexpectedly around them. You are responsible for anticipating them.

In plain terms: make your Broker key a "trade-only" key, never a "move money" key. Your Broker still runs your account. If someone steals your key, the loss lands in your Broker account — so revoke it fast, and never reuse passwords.

7. AI providers, infrastructure, and other third parties

7.1 Bring your own key

Certain analysis features use large language models. You connect your own LLM Provider account and key. You pay the LLM Provider directly for usage; those charges are separate from your subscription and are not set, collected, or refunded by us.

7.2 Math-only mode

The Platform's core functions — Strategy evaluation, risk controls, order transmission, the Halt Switch — do not depend on any LLM. If your LLM Provider is unavailable, rate-limited, unfunded, or disconnected, LLM-based features degrade or stop; core trading functions continue according to your Strategy. You may run the Platform without connecting an LLM Provider ("math-only mode").

7.3 Provider terms and changes

Your LLM Provider's terms govern your use of its service. Providers may change pricing, models, limits, or availability at any time. We are not responsible for provider changes, outages, content policies, or account actions.

7.4 Key handling

LLM Provider keys receive the same encryption and handling described in Section 6.2.

7.5 Infrastructure and service providers

We operate the Platform on third-party infrastructure and services, currently including cloud hosting (Hetzner), edge network and tunnel services (Cloudflare), database and authentication services (Supabase), payment processing (Stripe), transactional email (Resend), federated sign-in (Google), and third-party market-data and LLM providers. The current list of sub-processors, the data each receives, and where it is located is published in the Privacy Policy. Each provider operates under its own terms and privacy practices. We select and contract with providers with reasonable care, but we do not control them and are not liable for their outages, errors, security incidents, or changes, except to the extent required by law.

7.6 Where your data lives

Platform data, including encrypted keys and trading records, is stored on servers located in and may be processed in the United States and in the countries where our providers operate. By using the Platform you consent to your data being stored and processed in those locations.

7.7 Payments

Subscription payments are processed by Stripe. We do not receive or store your full card number. Stripe's terms and privacy policy govern its handling of your payment data.

7.8 Sign-in providers

If you sign in with Google, we request only the minimum identity scope needed to create and authenticate your account. We do not receive access to your email contents, files, or other Google data, and we never connect a sign-in provider to any Broker.

In plain terms: the AI features run on your own AI account, billed to you by that provider. If your AI account runs dry, the trading engine keeps running your rules — only the AI commentary goes quiet. The rest of the Platform runs on the same kind of cloud services every modern app uses; we name them in the Privacy Policy, and when one of them has a bad day, so do we.

8. How trading works on the Platform

8.1 The pipeline

Market data is ingested; your Strategy's conditions are evaluated; a candidate order passes through the Platform's risk gate (Section 11.1); if permitted, the order is transmitted to your Broker with any Broker-side stop-loss and take-profit you have configured; the Broker accepts or rejects it; the Platform records the outcome. Every step depends on connectivity, data quality, and Broker behavior that we do not control.

8.2 No guarantee of transmission or execution

We do not guarantee that any order will be transmitted, received, accepted, filled, or filled at any particular price or time. Orders may be delayed, rejected, partially filled, duplicated, or not placed because of market conditions, Broker rules, Broker or exchange outages, connectivity failures, latency, data errors, configuration errors, rate limits, or software defects.

8.3 Market data

Quotes, prices, and other market data shown on the Platform come from third parties, may be delayed, incomplete, or wrong, and are for informational use only. You may not redistribute market data except as your data provider permits.

8.4 Manual trading

Manual order entry through the Platform is available in Paper Mode only and is disabled in Live Mode.

8.5 Update cadence

The frequency at which the Platform evaluates your Strategies depends on your subscription tier (Section 16.2). Slower cadence means later signals and can mean worse fills. You choose the tier; you accept the trade-off.

8.6 You must monitor

Automation is not supervision. You are responsible for actively monitoring your Broker accounts, open positions, and Platform activity, and for confirming that the Platform is behaving as you intend.

8.7 No best execution, no aggregation, no priority

We do not owe you a duty of best execution; your Broker executes under its own rules. We never combine, net, or aggregate your orders with any other User's orders. No User's orders are given priority over another's; the engine processes tenants without preference. SYMETRIQ LLC and its principals may use the Platform to trade their own accounts on the same engine and the same code as you, and the same rules apply to them. We do not trade against Users, do not use knowledge of Users' orders or Strategies for our own trading, and do not sell order or Strategy information to anyone.

8.8 Software updates can change Strategy behavior

Indicator implementations, data handling, and engine logic are updated over time. An update can cause a Strategy to generate different signals on the same data than it did before. We version indicator and engine components and will give notice of changes we consider material, but we cannot guarantee that any Strategy will behave identically across versions. You are responsible for re-testing Strategies after updates.

8.9 Trading hours and cadence

The Platform evaluates Strategies on the cadence of your tier and only when the relevant market and Broker are open and reachable. It is not a high-frequency system and does not guarantee reaction within any time window.

In plain terms: the software sends orders; your Broker decides what happens to them. Delays, rejections, and bad fills are part of trading, and none of them are ours to fix.

9. Strategy Builder, backtesting, and AutoResearch

9.1 Strategy Builder

Strategy Builder lets you assemble trading rules from indicators, conditions, and risk parameters. The building blocks are provided to every User identically. The Strategy you assemble is yours: you choose it, you own the choice, and you are responsible for its behavior. Any templates, examples, or defaults are illustrations of how the tool works, not recommendations to trade.

9.2 Backtesting and walk-forward testing

Backtests and walk-forward tests produce Hypothetical Performance. They are computed from historical data with the benefit of hindsight, do not reflect real execution, slippage, liquidity, fees, or the psychological pressure of real losses, and may materially overstate what a Strategy would have achieved. The prescribed hypothetical-performance disclaimer in the Risk Disclosure applies to every backtest, walk-forward, simulation, and Paper Mode result the Platform shows you.

9.3 AutoResearch

AutoResearch is an optional feature that scans publicly available sources for trading-strategy ideas, translates them into testable rules, backtests them, and shows you the results. AutoResearch:

(a) runs the same discovery and testing logic for every User who enables it, using no information about your financial situation, objectives, or existing positions; (b) never activates a Strategy on its own — a Strategy discovered by AutoResearch trades only if you review it and expressly activate it; (c) presents results as Hypothetical Performance, subject to Section 9.2 and the Risk Disclosure; (d) is not a recommendation, a suitability assessment, or advice, and its outputs should not be treated as such.

We make no representation that any AutoResearch output is original, accurate, complete, profitable, or free of third-party intellectual-property claims. If you republish, sell, or distribute Strategy logic obtained through AutoResearch, you do so at your own risk.

9.4 Your Strategies stay yours — and stay private

We do not use your Strategies to trade for ourselves or others, do not share them with other Users, and do not resell them. Storage is tenant-isolated.

In plain terms: Strategy Builder is the workbench, backtesting is the wind tunnel, and AutoResearch is a research assistant that brings you ideas. None of them tell you what to do. Test results are estimates from the past, not promises about the future.

10. AI-generated analysis

10.1 What the agents are

The Platform includes analysis agents — including market-data, technical, regime, correlation, news, sentiment, macro, fundamental, on-chain, whale, bull, bear, and swarm agents — some of which use LLMs through your LLM Provider. Their outputs are informational summaries, arguments, and scores generated by software. They are the same software for every User and are not tailored to you. At launch, AI outputs are display-only: they are shown to you for information and never enter the decision path. They do not set direction, size, entry, exit, or whether an order is sent; your compiled Strategy and the risk gate decide that.

10.2 Not advice — and may be wrong

AI-generated outputs can be inaccurate, incomplete, out of date, internally inconsistent, or confidently wrong. They are not investment advice, not recommendations, and not guarantees. You must not rely on them as your sole basis for any decision. Where an agent output uses words such as "bullish," "bearish," "favors," or "suggests," it describes the output of a model, not a recommendation from us.

10.3 You are interacting with AI

Where the Platform lets you converse with or query an agent, you are interacting with generative artificial intelligence, not a human. The Platform will tell you this clearly, and will confirm it whenever you ask.

10.4 No human review

Agent outputs are not reviewed by SYMETRIQ personnel before you see them. We do not monitor your conversations with agents except as described in the Privacy Policy (security, abuse, and legal compliance).

10.5 Information you volunteer to agents

Agents do not have access to your positions, balances, or Broker account unless a feature explicitly says so. If you voluntarily tell an agent about your holdings, positions, finances, or objectives, that disclosure does not create an advisory or fiduciary relationship, and any response remains the generalized output of software. Agents are designed to decline requests for individualized recommendations about what you personally should buy, sell, or hold. Do not volunteer information that is not necessary for your use of the feature.

10.6 Third-party content and manipulation

Agents ingest third-party content such as news, social sentiment, and market commentary. That content may be false, manipulated, or crafted to influence automated systems, and agent outputs can be distorted by what they read. Treat every agent output as unverified.

10.7 Conflicts of interest

SYMETRIQ LLC's principals, personnel, and contractors may hold, buy, sell, or trade instruments that agents discuss, and their positions may differ from agent outputs. We do not undertake to disclose personal holdings or trades except where required by law.

In plain terms: the AI agents are commentators, not coaches. They can be wrong. When you are talking to one, you are talking to software, and it will say so.

11. Risk controls, the Halt Switch, and emergency actions

11.1 Risk gate

Before transmitting any order, the Platform evaluates it against risk checks you configure (including position sizing, per-trade and daily loss limits, drawdown limits, exposure and correlation limits, and instrument restrictions). The risk gate is a software control. It reduces, but cannot eliminate, the risk of loss. It can fail, be misconfigured, or be bypassed by events it cannot see. You are responsible for configuring it to your own tolerance and for reviewing its settings.

11.2 Broker-side stop-loss and take-profit

The Platform requires a Broker-side stop-loss for Live Mode orders where your Broker supports it, and places take-profit orders where configured. Broker-side orders are held by your Broker and remain in force if the Platform is offline. Stop orders do not guarantee execution at the stop price; in gapping, fast, illiquid, or halted markets they may fill at materially worse prices or not at all. Where a Broker cannot enforce a stop-loss on its side, the Platform may decline to support Live Mode for that Broker.

11.3 THE HALT SWITCH IS HALT-ONLY

When a Halt is triggered — by you, by a risk limit, or by us — the Platform stops transmitting new orders. It does NOT close, reduce, hedge, or modify any position you hold, and it does NOT cancel or change pending orders or Broker-side stop-loss and take-profit orders. Your open positions remain open at your Broker, protected only by whatever Broker-side orders are in place. This is deliberate. We do not automatically liquidate your positions, because doing so could itself cause loss and would require us to exercise discretion over your account, which we do not do. After any Halt, you must manage your open positions yourself at your Broker.

11.4 Platform-wide safety limits

We maintain engine-wide safety limits that apply to every User. Any limit you configure sits beneath ours and can only be stricter, never looser. If our engine-wide limit triggers, a Halt applies to all Users. Engine-wide limits and their current settings are described at a page we will publish at launch.

11.5 Emergency actions by us

We may Halt some or all order transmission, suspend Broker connections, or take the Platform offline at any time, with or without notice, if we believe it necessary to address a software defect, security incident, market event, legal or regulatory demand, Broker or data-provider failure, or risk to Users or to us. We will notify you by email and in-Platform as soon as practicable. Because a Halt never closes positions, an emergency action never causes us to trade in your account.

11.6 Losses during a Halt or outage

You acknowledge that positions held during a Halt, outage, or shutdown may gain or lose value, that we have no ability or obligation to manage them, and that we are not liable for changes in the value of positions during any period when the Platform is halted or unavailable, to the extent permitted by law.

11.7 No duty to warn; silence is not advice

We do not monitor your portfolio, solvency, margin, liquidation price, or personal circumstances, and we have no duty to warn you about a market event, a position, a Broker event, a regulatory change, or a risk. The absence of a Halt, an alert, an agent output, or a feature is not advice to hold, trade, or do nothing.

11.8 Reconciliation

The Platform periodically reconciles its records with your Broker's. A discrepancy may cause the Platform to Halt order transmission for the affected account until you or we resolve it. A Halt on discrepancy never closes positions (Section 11.3).

In plain terms: the big red button stops new orders. It never sells what you already own. If we, you, or a limit hits that button, it is your job to go to your Broker and deal with whatever is open. Your Broker-side stop-loss is your safety net during that time — and even a stop-loss is not a guarantee.

12. Paper Mode, Live Mode, and beta

12.1 Paper first

Every Strategy starts in Paper Mode. Paper Mode uses simulated fills or a Broker demo account and does not reflect real liquidity, slippage, rejections, or the experience of real losses. Paper results are Hypothetical Performance.

12.2 Live activation is gated

Live Mode is enabled per account in stages and only after you (a) re-accept the then-current Risk Disclosure, (b) complete the trading-knowledge acknowledgment, (c) confirm your Broker key permissions, and (d) confirm that you understand the Halt Switch is halt-only. We record each acknowledgment with the document version and a content hash. We may decline or revoke Live Mode for any account at our discretion.

12.3 Same code, both modes

The Platform is designed so that every feature behaves the same in Paper Mode and Live Mode, except that manual order entry is Paper-only (Section 8.4) and Broker-side stop-loss is mandatory in Live Mode (Section 11.2). Differences that remain are Broker differences, not Platform differences.

12.4 Beta and early access

During beta the Platform is pre-release software. Beta opens in Paper Mode only. Live Mode then opens in stages during the beta, account by account and venue by venue, only under Section 12.2 and only on venues where Broker-side stop-loss and take-profit placement has been verified. No account is switched to Live Mode by default. Features may change or be removed, data may be reset, and availability is not assured. Beta feedback you provide may be used by us without restriction or compensation (Section 18.5). Beta access may be withdrawn at any time.

In plain terms: you practice with fake money first, and you re-read the risk warning and confirm you understand the halt-only rule before real money is switched on. During beta, real money opens in stages, never by default.

13. Prop-firm and evaluation accounts

If you connect a proprietary-trading-firm account, evaluation account, funded-trader account, or similar arrangement (for example, through a Tradovate-compatible connection), you are solely responsible for complying with that firm's rules, including any restrictions on automation, third-party software, consistency, news trading, position size, trading hours, or API use. We do not represent that the Platform is permitted under any firm's program, and we are not responsible for evaluation failures, rule breaches, disqualification, loss of funding, or forfeited payouts arising from your use of the Platform with such accounts. Any profit split owed to the firm under its own program terms is between you and the firm and is not a performance fee paid to us or arranged by us.

In plain terms: if you plug us into a funded account, their rulebook is your problem, not ours. Read it.

13A. Symetriq Academy (education)

13A.1 Education only. Symetriq Academy (the Course tab and any lessons, quizzes, examples, glossaries, or exercises we publish) is general educational material about trading concepts and about using the Platform. It is the same for every User and is not tailored to your finances, objectives, experience, or risk tolerance.

13A.2 No recommendation to trade. Nothing in the Academy recommends that you trade, day trade, use margin or leverage, or buy, sell, or hold any instrument. Completing a lesson does not mean you are ready to trade, and passing a quiz is not an assessment of your suitability.

13A.3 Examples are illustrations, not advice. Charts, setups, worked examples, and sample strategies are chosen to teach a concept. They are not signals, not trade ideas, and not evidence that a method works. Where an example shows an outcome, the outcome is hypothetical or historical and selected for teaching.

13A.4 No earnings or results claims. We make no claim, express or implied, that taking the Academy will lead to profits, income, or any particular trading result. Most people who day trade lose money. See the Risk Disclosure, Section 3A.

13A.5 Accuracy and change. Market rules change (for example, the 2026 replacement of the U.S. pattern-day-trader rule). Lessons may be out of date; your Broker's current rules govern your account.

14. Self-directed use — prohibited third-party services

14.1 Self-directed only

The Platform is a self-directed tool. You must retain your own independent judgment over the selection, configuration, and operation of your account. "Personalized human services" means one-on-one setup, configuration, operation, management, or trading direction provided by a person for you.

14.2 What you may not do

You may not:

(a) permit any third party to operate, configure, or manage your SYMETRIQ account through personalized human services, whether in person, by remote access, screenshare, chat, or otherwise; (b) use the Platform as part of a managed-account, "done-for-you," concierge, or copy-trading service for others; (c) use the Platform to trade any account you do not own or are not formally authorized by the Broker to trade (Section 4.3); (d) sell, share, or distribute signals, orders, or Strategy outputs generated through the Platform to other persons for compensation, or use the Platform to advise others; (e) enter into any arrangement under which a third party (other than a prop firm under its own official program terms, Section 13) receives a profit share, performance fee, or compensation tied to your trading results or your use of the Platform; (f) hold yourself out as affiliated with, endorsed by, or authorized by SYMETRIQ.

14.3 What this does not prohibit

You may use standardized third-party tools, data feeds, and integrations that offer the same functionality to all their users, and you may consume general education and publicly available tutorials. You may not delegate your judgment to a human providing personalized services.

14.4 Why this matters

These restrictions exist so that the Platform remains a non-customized software tool and so that neither you nor we drift into activity that requires registration as an adviser, CTA, or broker. We may suspend or terminate accounts that we reasonably believe are being used in violation of this Section, without refund.

In plain terms: you run your own account. Nobody sets it up for you, nobody runs it for you, and nobody takes a cut of your results. That rule protects you and it protects us.

15. Acceptable use

You may not: attempt to gain unauthorized access to the Platform or other Users' data; reverse engineer, decompile, scrape, or copy the Platform; use the Platform to violate any law, Broker rule, or exchange rule, including market manipulation, spoofing, layering, wash trading, or insider trading; introduce malware; interfere with the Platform's operation; circumvent rate limits or tier limits; impersonate anyone; use the Platform to develop a competing product; or resell, sublicense, or share access to the Platform. We may impose fair-use limits on compute, data, and API calls and will publish them at a page we will publish at launch.

16. Fees, trial, renewal, and cancellation

16.1 Subscription

The Platform is offered on paid subscription tiers published at symetriq.ai/pricing. Current tiers are Pro at $99 per month and Reserve at $149 per month, billed in U.S. dollars, plus applicable taxes. We may change prices on at least 30 days' notice by email; the new price applies from your next renewal after the notice period, and you may cancel before then.

16.2 What the tiers control

Tiers determine, among other things, the Strategy evaluation cadence (Section 8.5), the number of Strategies and Broker connections, and feature access, as published on the pricing page.

16.3 Free trial

New accounts receive a 14-day free trial. At the end of the trial, your subscription converts to a paid subscription at the tier you selected and your payment method is charged, unless you cancel before the trial ends. We will tell you the trial end date and the charge amount when you sign up, and will send you a reminder email 3 days before the trial ends.

16.4 Automatic renewal — your consent

Your subscription renews automatically each billing period at the then-current price until you cancel. By subscribing you expressly authorize us to charge your payment method each period. You will be asked to affirmatively accept this automatic-renewal term, separately from the rest of these Terms, at checkout. For annual plans we will email a reminder 15 to 45 days before each renewal.

16.5 Cancellation — as easy as signing up

You may cancel at any time, online, from the Billing section of your account, in no more steps than it took to subscribe. Cancellation takes effect at the end of the current billing period; you keep access until then. We do not require you to call, chat, or email to cancel, and we will not add retention offers you must decline in order to complete cancellation.

16.6 Refunds

Fees are non-refundable except (a) where required by law, and (b) at our discretion in cases of documented billing error. There are no refunds for unused time, for downgrades, or for trading losses of any kind. If you cancel during the free trial you are not charged.

16.7 Failed payments

If a renewal payment fails, we will notify you and retry. If payment is not received within 7 days, we may downgrade or suspend the account. A suspension does not close your positions at your Broker; a suspension halts new order transmission only (Section 11.3), and you remain responsible for your open positions.

16.8 Third-party charges

Broker commissions, spreads, financing, data fees, and LLM Provider usage are charged by those third parties, are your responsibility, and are unrelated to us.

16.9 Promotions

Any promotional price will state its end date and the price that applies afterward. Sticker prices we advertise are prices we genuinely charge.

In plain terms: 14 days free, then the card is charged unless you cancel. It renews every month until you stop it, and stopping it is one screen in your account — no phone calls, no hoops. No refunds for trading losses, ever, because we never had your trading money.

17. Data security and privacy

17.1 Our commitments

We encrypt Broker and LLM keys at rest (Section 6.2), enforce tenant isolation so each User can access only their own data, maintain an append-only audit log of Platform actions (without secrets), and use multi-factor authentication for administrative access. The full description is in the Privacy Policy, Section 9.

17.2 What security cannot do

No system is perfectly secure. We do not warrant that the Platform will be free of vulnerabilities, and we are not responsible for compromises originating on your devices, at your Broker, at your LLM Provider, or through phishing or credential reuse.

17.3 Incident notice

If we become aware of a security incident affecting your keys or personal data, we will notify you without undue delay and as required by law, and will tell you what to do (typically: revoke and rotate the affected keys at your Broker).

17.4 Your security duties

You must enable multi-factor authentication where offered, keep your devices and browsers secure and updated, never reuse your SYMETRIQ password elsewhere, and never share Broker or LLM keys with anyone, including anyone claiming to be us. We will never ask you for a key or password.

17.5 Support access

If you ask us for help that requires looking at your account, we access only what is necessary, with your consent, and every such access is logged. Support personnel can never see plaintext Broker or LLM keys.

17.6 Legal and regulatory requests

We may preserve and disclose your account records, audit log, and Strategy data in response to a lawful request from a court, regulator, self-regulatory organization, law-enforcement agency, or Broker investigation, and where we believe disclosure is necessary to prevent harm or enforce these Terms. Where lawful and practicable, we will notify you.

17.7 Privacy Policy

Our collection and use of personal data is described in the Privacy Policy, which is part of these Terms.

18. Intellectual property

18.1 Ours

The Platform, its code, models, prompts, agent designs, documentation, trademarks (including SYMETRIQ and the SYMETRIQ mark), and all improvements are owned by SYMETRIQ LLC or its licensors. Subject to these Terms we grant you a limited, revocable, non-exclusive, non-transferable license to use the Platform for your own self-directed trading during your subscription.

18.2 Yours

You own the Strategies you author and the content you upload. You grant us a non-exclusive license to host, process, and display them solely to operate the Platform for you, to keep it secure, and to produce de-identified, aggregated statistics that cannot identify you or your Strategies.

18.3 No training on your data

We do not use your Strategies, positions, or Broker data to train machine-learning models. Your LLM Provider's data-use terms govern what it does with prompts sent through your key.

18.4 Permitted sharing

You may share occasional screenshots or short excerpts of the Platform for honest commentary, reviews, education, or discussion, provided the sharing is limited, adds your own commentary, does not misrepresent the Platform or imply our endorsement, does not expose another User's data, and does not substitute for a subscription. Systematic capture, republication of outputs at scale, or use of Platform content to build a competing product is prohibited.

18.5 Feedback

Suggestions and feedback you give us may be used by us without restriction or compensation.

19. Warranty disclaimer

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT ANY STRATEGY WILL BE PROFITABLE, THAT ANY ORDER WILL BE TRANSMITTED OR FILLED, THAT ANY RISK CONTROL WILL PREVENT LOSS, THAT ANY STOP-LOSS WILL EXECUTE AT ITS PRICE, THAT ANY BACKTEST OR AI OUTPUT WILL BE ACCURATE, OR THAT THE PLATFORM WILL BE AVAILABLE WHEN YOU NEED IT. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS; WHERE THAT IS THE CASE, THE EXCLUSIONS APPLY TO THE FULLEST EXTENT PERMITTED, AND ANY NON-EXCLUDABLE IMPLIED WARRANTY IS LIMITED TO 90 DAYS OR THE MINIMUM PERIOD THE LAW REQUIRES.

20. Limitation of liability

20.1 Trading losses

TO THE FULLEST EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR ANY TRADING LOSS, LOST PROFIT, MISSED OPPORTUNITY, OR CHANGE IN THE VALUE OF ANY POSITION, HOWEVER CAUSED, INCLUDING BY SOFTWARE DEFECT, RISK-CONTROL FAILURE, STOP-LOSS NON-EXECUTION, DATA ERROR, HALT, OUTAGE, BROKER ACTION, OR OUR NEGLIGENCE.

20.2 Excluded damages

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF DATA, GOODWILL, OR BUSINESS, UNDER ANY THEORY, EVEN IF ADVISED OF THE POSSIBILITY.

20.3 Cap

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE SUBSCRIPTION FEES YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

20.4 What we do not limit

Nothing in these Terms excludes or limits liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot be excluded or limited under applicable law. The cap in Section 20.3 does not apply to residents of New Jersey to the extent New Jersey law does not permit it; for such residents our liability is limited to the minimum extent permitted.

20.5 Basis of the bargain

You acknowledge that the subscription price reflects this allocation of risk, that we could not offer the Platform at that price without it, and that you have the alternative of not using the Platform.

In plain terms: we sell software for a flat monthly fee. If something goes wrong, the most you can recover from us is roughly what you paid us in a year (or $100 if that is more). We are never on the hook for your trading losses. If that is not acceptable, please do not connect real money.

21. Dispute resolution — arbitration and 30-day opt-out

21.1 Talk first

Before starting any formal proceeding, you agree to send a written description of the dispute to hello@symetriq.ai and to negotiate in good faith for 30 days.

21.2 Binding arbitration

Except as provided in Sections 21.4 and 21.5, any dispute arising out of or relating to these Terms or the Platform shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules (or Commercial Rules if the Consumer Rules do not apply), before a single arbitrator. The Federal Arbitration Act governs this Section. The arbitration will be held in Washington County, Utah, or by video or documents-only at the arbitrator's discretion, and you may elect to attend remotely. Fees are allocated under the AAA rules; if the arbitrator finds a claim frivolous, the arbitrator may reallocate fees as the rules permit.

21.3 Class-action waiver

YOU AND WE EACH AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. If this waiver is found unenforceable as to a particular claim, that claim shall proceed in court under Section 21.6, not in arbitration.

21.4 Exceptions

Either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court to protect intellectual property or to stop unauthorized access.

21.5 Your right to opt out

You may opt out of Sections 21.2 and 21.3 by emailing hello@symetriq.ai with the subject "Arbitration Opt-Out," your full name, and the email on your account, within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms and will not affect your access to the Platform.

21.6 Court proceedings

Any dispute not subject to arbitration shall be brought exclusively in the state or federal courts located in Washington County, Utah, and you consent to their jurisdiction. TO THE EXTENT PERMITTED BY LAW, YOU AND WE WAIVE TRIAL BY JURY.

21.7 Time limit

Any claim must be filed within one year after it arises, or it is permanently barred, except where a longer period is required by law.

21.8 Mass arbitration

If 25 or more similar demands are filed against us with the assistance of the same or coordinated counsel, the AAA Mass Arbitration Supplementary Rules then in effect apply in addition to the rules above. This is an administrative procedure and does not permit class or representative relief.

21.9 Who decides arbitrability

The arbitrator decides disputes about the scope, interpretation, or enforceability of this Section, except that a court decides disputes about the class-action waiver where applicable law requires.

In plain terms: if we have a dispute, we try to work it out for 30 days, then it goes to a private arbitrator instead of a courtroom, one person at a time. You have 30 days after signing up to email us and say "no arbitration for me" — and that is a real choice that costs you nothing.

22. Indemnification

You will defend, indemnify, and hold harmless SYMETRIQ LLC and its members, managers, employees, contractors, and licensors from any third-party claim, loss, liability, or expense (including reasonable attorneys' fees) arising from (a) your breach of these Terms, including Sections 3.5, 4, 6, 13, 14, and 15; (b) your trading activity, positions, or Broker relationships; (c) your violation of any law, Broker rule, exchange rule, or third-party right; (d) any claim by a Broker, exchange, regulator, or prop firm relating to your use of the Platform; or (e) content or Strategies you upload. We will notify you promptly and may control the defense at our expense; you will not settle any claim without our written consent.

23. Term, suspension, and termination

23.1 By you — cancellation is not deletion

Cancelling your subscription (Section 16.5) stops future billing but keeps your account, Strategies, and records so you can return. Closing your account is a separate action in account settings: it cancels any subscription, disconnects and deletes Broker and LLM keys, and begins deletion of your data under the Privacy Policy. You may request deletion at any time at hello@symetriq.ai.

23.2 By us

We may suspend or terminate your account, with notice where practicable, if you breach these Terms, if required by law or a regulator, if we reasonably believe your account is compromised or used to harm others, if payment fails (Section 16.7), or if we discontinue the Platform. If we discontinue the Platform we will give at least 30 days' notice where practicable and refund any prepaid unused period.

23.3 Effect — open positions are yours

Termination, suspension, or closure halts new order transmission only. It never closes positions. You remain responsible for every open position and every Broker-side order at your Broker. Before closing your account, you should cancel any working orders at your Broker that you no longer want.

23.4 Data after closure

We delete stored keys promptly on closure and retain other data as described in the Privacy Policy, including the audit log where retention is required for legal, security, or dispute purposes.

23.5 Survival

Sections 1, 2, 3, 6.5, 6.7, 6.8, 8.7, 9.2, 9.3, 10, 11.3, 11.6, 11.7, 13, 14, 16.6, 17.6, 18, 19, 20, 21, 22, 23.3, 23.4, and 24 survive termination.

24. General terms

24.1 Changes to these Terms

We may change these Terms by publishing a new version with a new version number and date. For material changes we will email you at least 15 days before the effective date; for changes to Section 16 (fees) or Section 21 (arbitration) we will require your affirmative re-acceptance before they apply to you. Continued use after the effective date of a non-material change constitutes acceptance. You may cancel at any time before a change takes effect.

24.2 Electronic communications and signatures

You consent to receive notices, disclosures, and agreements electronically, and you agree that your clicks and checkbox acceptances are electronic signatures with the same effect as handwritten ones (E-SIGN Act; UETA). You may withdraw this consent by closing your account. Safety-critical notices (Halts, security incidents) may also be sent by SMS if you provide a number.

24.3 Governing law

These Terms and any dispute are governed by the laws of the State of Utah and applicable federal law, without regard to conflict-of-laws rules, except that the Federal Arbitration Act governs Section 21. Nothing in this Section deprives you of mandatory consumer protections of the state or country where you reside.

24.4 Entire agreement

These Terms, the Risk Disclosure, the Privacy Policy, the Cookie Policy, the Regulatory Status & Important Disclosures page, and any Live Mode or beta acknowledgments you accept are the entire agreement between you and us about the Platform and supersede all prior agreements, including PRISM-branded terms.

24.5 Severability; no waiver; assignment

If any provision is unenforceable, it is modified to the minimum extent necessary and the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets, with notice to you.

24.6 Force majeure

Neither party is liable for failure to perform caused by events beyond its reasonable control, including Broker, exchange, or data-provider outages, internet or cloud-provider failures, cyberattacks, government action, market closures, and natural disasters. This Section does not excuse your payment obligations or your responsibility for your positions.

24.7 Independent contractor; no third-party beneficiaries

We are an independent software provider, not your agent, fiduciary, partner, or adviser. No one other than you and us has rights under these Terms.

24.8 Plain-terms glosses

The italic In plain terms passages are provided to help you understand these Terms. They are not a substitute for the clauses; if a gloss and a clause conflict, the clause controls.

24.9 California notice

California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or (800) 952-5210.

24.10 Jurisdiction-specific terms (applies once we launch in that market)

European Economic Area and United Kingdom. If you are a consumer resident in the EEA or the U.K.: the exclusions in Sections 19 and 20 do not affect your statutory rights; Section 21 (arbitration) does not apply to you and you may bring claims in the courts of your country of residence; Section 24.3 does not deprive you of the protection of mandatory provisions of your local law; you have a 14-day right of withdrawal from the subscription contract, which you acknowledge is lost once you begin using the Platform during that period at your express request; and the EU/UK privacy terms in the Privacy Policy apply.

Australia. If you are a consumer under the Australian Consumer Law, our services come with guarantees that cannot be excluded; to the extent permitted, our liability for breach of a non-excludable guarantee is limited to re-supply of the services or the cost of re-supply. Section 21 applies only to the extent permitted by Australian law.

25. Contact

SYMETRIQ LLC

General: hello@symetriq.ai Legal notices and arbitration opt-out: hello@symetriq.ai Security: hello@symetriq.ai Privacy: hello@symetriq.ai

BY CREATING AN ACCOUNT OR USING SYMETRIQ YOU THAT YOU HAVE READ AND UNDERSTOOD THESE TERMS AND THE RISK DISCLOSURE, INCLUDING THAT SYMETRIQ IS A SOFTWARE TOOL AND NOT AN ADVISER OR BROKER, THAT THE HALT SWITCH NEVER CLOSES POSITIONS, THAT BACKTEST AND AI OUTPUTS ARE NOT ADVICE, THAT YOUR SUBSCRIPTION RENEWS AUTOMATICALLY UNTIL CANCELLED, AND THAT YOU ARE SOLELY RESPONSIBLE FOR YOUR TRADING.

DRAFT — FOR LEGAL REVIEW ONLY. NOT FINAL. MUST BE REVIEWED AND APPROVED BY QUALIFIED LEGAL COUNSEL BEFORE PUBLICATION.