Terms of Service

Trading Risk Lab ("we," "us," and "our") provides online tools and calculators to help traders understand and manage trading risk. By creating an account, subscribing to a plan, or using any part of our website or tools (the "Service"), you agree to these Terms. If you do not agree, you should not use Trading Risk Lab.

Trading Risk Lab is operated by Natalia Manijak and is based in Poland. In these Terms, we refer to ourselves as "Trading Risk Lab." You can find our contact details at the bottom of this page.

• • You must be at least 18 years old or the age of legal majority in your jurisdiction to use Trading Risk Lab.
• • You agree to provide accurate information when creating an account and to keep it up to date.
• • You may not use the Service if it would violate any laws or regulations that apply to you.

• • You are responsible for keeping your login details confidential and for all activity that occurs under your account.
• • If you believe your account has been accessed without your permission, contact us immediately.
• • We reserve the right to suspend or close accounts that appear compromised or that violate these Terms.

• • Access to certain tools and features requires a paid subscription.
• • Subscription fees, billing periods (monthly or yearly), and plan details are displayed on the Pricing page or during checkout.
• • Payments are processed by Paddle, which acts as the Merchant of Record and authorized reseller. This means customers purchase the subscription from Paddle, while the service itself is provided by us.
• • Paddle may collect applicable taxes (such as VAT, GST, or sales tax) depending on the customer's location. Invoices and receipts are provided electronically, for example, by email.
• • Subscriptions renew automatically at the end of each billing period unless canceled before renewal. If a subscription is canceled, the cancellation takes effect at the next payment date and the current billing period remains active.
• • If the customer is a Consumer, they may have a statutory right to cancel their purchase within 14 days from the day after the transaction is completed, unless an exception applies. This right does not apply once the customer has started accessing or using the digital content or has otherwise received the benefit of the Product.
• • Refunds are handled by Paddle and are granted at Paddle’s discretion on a case-by-case basis. Refund requests may be refused in cases of fraud, abuse, or other manipulative behavior. This does not affect mandatory Consumer rights where a Product is not as described, faulty, or not fit for purpose.
• • Before raising a chargeback or payment dispute with a bank or card issuer, customers are asked to contact Paddle first to attempt to resolve the issue.
• • Full details regarding cancellation rights, refunds, and Buyer obligations are available in the Paddle Checkout Buyer Terms and Conditions: Paddle Checkout Buyer Terms and Conditions.

You agree not to misuse the Service, including, but not limited to:

• • Copying or reselling the Service or any part of it without our permission.
• • Attempting to circumvent security or technical protections.
• • Using the Service for unlawful purposes.
• • We may suspend or terminate access if we reasonably believe you are misusing the Service.

• • Trading Risk Lab, including its software, design, logos, and content, is owned by us or our licensors.
• • We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal or internal business use while you have a valid account.
• • You may not reverse engineer, decompile, or attempt to extract the source code of the Service except where allowed by law.

• • To the maximum extent permitted by law, Trading Risk Lab is not liable for any loss of profits, loss of data, trading losses, or other indirect or consequential damages arising from your use of the Service.
• • We do not guarantee that the Service will be error-free, uninterrupted, or that any particular result will be achieved.
• • Nothing in these Terms excludes or limits liability where it would be unlawful to do so under applicable law.

• • You may stop using the Service at any time and may cancel your subscription through your account or by contacting us.
• • We may suspend or terminate your access to the Service if you materially breach these Terms or if we are required to do so by law.
• • If your subscription is terminated, you may lose access to certain features and data associated with your account, subject to any legal obligations we have to retain data.

• • We may update these Terms from time to time.
• • If we make material changes, we will notify you by email or by posting a notice on our website.
• • Your continued use of the Service after changes take effect means you accept the updated Terms.

• • These Terms are governed by the laws of [Your Country], without regard to conflict-of-laws principles.
• • If you have any questions about these Terms, you can contact us at [your contact email].
• • You may have additional rights under the laws of your country; these Terms are not intended to limit those rights where they cannot legally be limited.