Terms of Service

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

Trading Risk Lab is operated by Natalia Manijak and is based in Poland. In these Terms, "Trading Risk Lab" refers to the operator of the Service. You can contact us about these Terms through our support page or at legal@tradingrisklab.com.

• • 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 or purchasing access and to keep that information reasonably up to date.
• • You may use the Service only where doing so is lawful in your jurisdiction and only in compliance with laws and regulations that apply to you.
• • You are responsible for ensuring that your use of the Service, including any trading-related activity informed by the Service, is permitted where you are located.

• • 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 or other paid plan.
• • Subscription fees, billing periods, plan features, and renewal terms are shown on the Pricing page or at checkout.
• • Payments are processed by Paddle, which acts as Merchant of Record and authorized reseller for purchases made through its checkout. This means your purchase is made from Paddle and Paddle may handle billing, taxes, invoices, refunds, and certain payment-support issues.
• • Paddle may collect applicable taxes, such as VAT, GST, or sales tax, depending on the customer’s location and the law that applies to the transaction.
• • Unless stated otherwise at checkout, paid subscriptions renew automatically at the end of each billing period until canceled before the next renewal date. If a subscription is canceled, access generally continues until the end of the already paid billing period unless local law requires otherwise.
• • If you are a consumer, you may have mandatory cancellation, withdrawal, refund, or other consumer rights under the law that applies to you. Nothing in these Terms limits rights that cannot legally be excluded or limited.
• • Where digital content or digital services are supplied immediately after purchase, any statutory withdrawal right may be limited or lost only where the law allows this and the required consent and acknowledgements have been obtained during checkout.
• • Refund requests and payment disputes may be handled by Paddle under Paddle’s buyer terms, policies, and applicable law. This does not affect your non-excludable statutory rights.
• • Full details regarding Paddle checkout buyer terms are available here: Paddle Checkout Buyer Terms and Conditions.

You agree not to misuse the Service, including by:

• • Copying, redistributing, sublicensing, reselling, or commercially exploiting the Service or any part of it beyond the rights expressly granted in these Terms.
• • Attempting to bypass technical protections, access controls, plan restrictions, rate limits, or security features.
• • Using the Service for unlawful, fraudulent, abusive, deceptive, or infringing purposes.
• • Interfering with the operation, security, integrity, or availability of the Service or other users’ access to it.
• • Using automated means to scrape, harvest, or extract the Service in a way not expressly permitted by us or by law.
• • We may suspend or terminate access if we reasonably believe you are misusing the Service or creating legal, operational, or security risk.

• • Trading Risk Lab, including its software, tools, design, branding, text, graphics, databases, and other content, is owned by us or our licensors and is protected by applicable intellectual property laws.
• • Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your own personal or internal business use while you have valid access rights.
• • Except where the law does not allow us to restrict it, you may not reverse engineer, decompile, copy, reproduce, create derivative works from, or attempt to extract the source code or underlying logic of the Service.

• • To the maximum extent permitted by applicable law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive loss or damage, including loss of profits, loss of revenue, loss of opportunity, loss of data, or trading losses arising out of or related to your use of the Service.
• • The Service is provided on an “as is” and “as available” basis. We do not guarantee that the Service will always be uninterrupted, error-free, or suitable for every strategy, market, jurisdiction, or user.
• • Nothing in these Terms excludes or limits liability where liability cannot lawfully be excluded or limited, including mandatory consumer rights and any liability for fraud or fraudulent misrepresentation where applicable law so provides.

• • You may stop using the Service at any time and may cancel a paid subscription before renewal in accordance with the cancellation options available through your account, Paddle, or support.
• • We may suspend or terminate your access to the Service if you materially breach these Terms, if your use creates legal, payment, or security risk, or if we are required to do so by law.
• • If your access ends, you may lose access to paid features and account-related content, subject to any rights you have under applicable law and any legal obligations we have to retain or provide certain information.

• • We may update these Terms from time to time to reflect changes to the Service, our business, our providers, or legal requirements.
• • If we make material changes, we may notify you by email, through your account, or by posting a notice on the website.
• • Unless applicable law requires a different approach, the updated Terms take effect when posted or on the date stated in the update. Your continued use of the Service after the effective date means you accept the updated Terms.

• • These Terms are governed by the laws of Poland, except to the extent mandatory consumer protection laws in your country of residence apply and cannot be excluded by contract.
• • If you are a consumer, you may also be entitled to bring claims in the courts or tribunals that the law of your country allows. Nothing in these Terms removes rights that applicable law gives you and that cannot legally be waived.
• • If you have questions about these Terms, use our support page or legal@tradingrisklab.com.