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 Aschoff in Poland. In these Terms, "Trading Risk Lab" refers to the operator of the Service. You can contact us about these Terms, legal notices, statutory provider information, or service complaints through our support page or at legal@tradingrisklab.com. Any additional trader-identification or contact information that applicable law requires before a paid purchase must also be presented in the relevant pre-contract or checkout information. Nothing in these Terms reduces any mandatory disclosure obligation that applies to us.

• • 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.

• • We provide electronic services that may include public website content, free and paid calculators and tools, account registration and authentication, saved settings or journal features, subscription-access management, support forms, newsletter signup and unsubscribe functions, and other features described on the Service.
• • A contract for free electronic services is formed when you begin using the relevant feature or create an account, as applicable. Access to paid features is provided after the relevant purchase or entitlement is confirmed. A separate payment transaction may be concluded with Paddle as Merchant of Record.
• • To use the Service you need a compatible internet-connected device and a reasonably current web browser. JavaScript, cookies or browser storage may be required for authentication, security, saved preferences, and core functionality. Some features also require a valid email address.
• • We may update browser or technical requirements where reasonably necessary for security, legal compliance, compatibility, or continued operation of the Service.
• • You may end free electronic services by stopping use or deleting your account where that option is available. Paid subscriptions may be canceled as described in Section 6 and Section 12.

• • You may submit a complaint about the operation or provision of the Service through our support page or at legal@tradingrisklab.com.
• • Please describe the issue, the affected account or email address where relevant, the date or approximate time, the tool or feature involved, and the outcome you are requesting. Do not send passwords, full payment-card numbers, seed phrases, broker credentials, or other unnecessary secrets.
• • We will review complaints without undue delay and within any mandatory period required by applicable law. We may ask for additional information where reasonably necessary to investigate or verify the request.
• • Billing, tax, invoice, refund, or payment-processing matters may also need to be handled by Paddle under its buyer terms because Paddle acts as Merchant of Record. This does not limit any non-excludable rights you have against us or Paddle under applicable law.
• • If you are a consumer, nothing in this procedure prevents you from using any court, regulator, consumer-protection body, alternative dispute-resolution mechanism, or other remedy available to you under mandatory law.

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.
• • Submitting, storing, transmitting, or making available unlawful content through any account field, journal entry, support form, import, upload, or other feature of the Service.
• • 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.
• • Market assumptions, broker or exchange rules, margin formulas, fees, funding rates, tax treatment, instrument specifications, and other third-party or time-sensitive information can change. Liquidation levels, P&L, risk, margin, and similar outputs are estimates based on the inputs and assumptions used and must be independently checked before being relied on.
• • 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 where reasonably necessary to reflect changes to the Service, security requirements, our providers, our business, or applicable law.
• • We will provide notice of material changes in a manner appropriate to the change, for example by email, through your account, or by a prominent notice on the Service, and will state the effective date where appropriate.
• • Changes that materially alter an existing paid consumer contract, its essential features, or its price will apply only to the extent permitted by applicable law and the existing contract. We do not rely solely on continued use to impose a material contractual change where mandatory law requires notice, an express agreement, a right to terminate, or another specific procedure.
• • Price changes for an automatically renewing subscription will not retroactively change an already paid billing period and will apply to a future renewal only after any notice, consent, or cancellation opportunity required by applicable law and the applicable checkout/subscription 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.