Trade Cortex — Public Edition.

1. Introduction and Acceptance

This Terms of Service Agreement (“Agreement”) is a legally binding contract between Ceylon Analytics Corp, a corporation organised under the laws of the State of New York (“Company,” “we,” “us,” or “our”), and you (“User,” “you,” or “your”), governing your use of the desktop software product known as Trade Cortex — Public Edition (“Software”) and the related online services provided by the Company (“Services”).

BY CHECKING THE “I AGREE” BOX, BY CLICKING “ACCEPT,” OR BY OTHERWISE INSTALLING OR USING THE SOFTWARE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS AGREEMENT.

If you do not agree to these terms, you must immediately cease all use of the Software and uninstall it from your device.

This Agreement, together with the Privacy Policy and Appendices A and B (which are incorporated by reference), constitutes the entire agreement between you and the Company regarding the Software and supersedes all prior agreements, representations, and understandings.

2. Definitions

• “Software” means the Trade Cortex Public Edition desktop application together with any updates, patches, plug-ins, or successor versions distributed by the Company under the “Public Edition” label.
• “Services” means any online features supporting the Software, including but not limited to license verification, subscription processing, software-update checks, password-reset and recovery-phrase verification, encrypted-payments processing, and customer support.
• “Content” means all charts, reports, calculations, analytics, visualisations, statistics, simulations, and other output generated by the Software.
• “User Data” means any data, files, trade logs, financial records, journal entries, attachments, screenshots, settings, or other information you input into, store in, or process through the Software.
• “License Key” means the unique activation code provided to you by the Company.
• “Device” means a single personal computer or workstation, identified by the Software's installation identifier on that machine.
• “Session” means a single authenticated login on a single Device.
• “Subscription Tier” means the level of feature entitlement assigned to your account, currently one of Trial, Scout, Alpha, or Ace, as further described in Section 4.
• “Trial Period” means the seven (7) consecutive days following your first activation of the Software, during which you may access the Alpha feature set free of charge.
• “Ace” means an invitation-only closed-beta tier that grants thirty (30) days of free Alpha-tier feature access in exchange for active feedback, as further described in Appendix C. Ace is distinct from Trial.
• “Ace Period” means the thirty (30) consecutive days following your first activation as an Ace.
• “Ace Locked Rate” means the twelve (12) month locked rate of US$30.00 per month available to Aces who convert to the Alpha tier within the seven-day grace window described in Appendix C.6.
• “Feature Gate” means a software check that controls whether your then-current Subscription Tier permits access to a given feature. Feature Gates are enforced both client-side (by the Software, including by displaying a tier-locked overlay) and server-side (by the Services refusing to return data or perform actions for which you are not entitled).
• “Tier-Violation Event” means a detection by the Services that the Software running under your License Key has accessed, attempted to access, or signalled the use of a feature outside your then-current Subscription Tier.

3. License Grant

3.1 Grant

Subject to your continuing compliance with this Agreement and (where applicable) payment of all applicable fees, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the Software on a single authorised Device for your personal, non-commercial use in connection with your own trading activity and record-keeping.

3.2 One Active Session Per License

Each License Key entitles you to one (1) active Session at any time. The Software enforces this server-side: starting a Session on a second Device automatically ends any prior Session associated with the same License Key. Two simultaneous Sessions are not permitted. The Company may, in its sole discretion, limit the number of distinct Devices you may sign in from within any rolling ninety (90) day window to deter account-sharing.

3.3 Reinstallation

You may uninstall and reinstall the Software on the same Device freely. Your License Key, configuration, and local encrypted database are preserved on reinstall by the installer.

3.4 Restrictions

You shall NOT, and shall not authorise any third party to:

• (a) copy, modify, adapt, translate, or create derivative works of the Software;
• (b) reverse engineer, decompile, disassemble, deobfuscate, or otherwise attempt to derive the source code, architecture, internal logic, license-validation logic, or Feature-Gate logic of the Software;
• (c) remove, alter, obscure, or bypass any proprietary notices, license keys, watermarks, copy-protection, license enforcement, Feature Gates, telemetry, or security features;
• (d) rent, lease, lend, sell, sublicense, distribute, or publicly display the Software or your License Key;
• (e) share, publish, or transmit your License Key or login credentials to any other person;
• (f) use automated scripts, screen-scrapers, bots, headless browsers, or any other automated means to access the Software or Services or to extract data therefrom;
• (g) use the Software in connection with, or to develop, any product or service that competes with the Software;
• (h) probe, scan, or test the vulnerability of the Software, the Services, or any system through which they are delivered (other than under a written security-research engagement with the Company); or
• (i) access or attempt to access any feature, tier, screen, or capability of the Software for which your then-current Subscription Tier does not provide entitlement (whether by patching the Software's binary, manipulating its configuration, spoofing network responses, sharing credentials with another natural person, or any other means).

Each of subsections (a) through (i) is independently grounds for immediate termination of this Agreement and revocation of your License Key under Section 14.

4. Subscription Tiers

The Software ships as one binary. Access to features within the Software is determined at runtime by your Subscription Tier, as reported to the Software by the Services.

4.1 Tier Definitions

Trial. A free, seven-day evaluation tier with the same feature entitlements as the Alpha tier. The Trial begins on your first activation of the Software. The Trial Period is non-renewable and may be granted only once per natural person, identified by the email address, phone number, payment-method fingerprint, and Device installation identifier associated with your account. Attempts to re-trial through a new email address, phone number, payment method, or Device are subject to the anti-abuse provisions of Section 4.5.

Scout.A paid tier providing the manual journaling core of the Software: manual trade entry, the trade ledger with notes and attachments, the trade analytics dashboards (P&L, fees, gain/loss distribution), the long-term stocks and cryptocurrency portfolios, the Strategy Editor (for managing your own trading-pattern catalog), and the Swing Monitor (for tracking open multi-day positions). The Scout tier does NOT include broker-file Trade Import, Smart Categorizer, Trade Cockpit, the Next-Day Position Planner, Strategy Lab, or any of the other Alpha-only features identified in Section 4.2. Scout users add trades by hand; they do not upload broker fill files.

Alpha. A paid tier providing access to the full feature set of the Public Edition, including everything in the Scout tier plus the Alpha-only features identified in Section 4.2.

Ace. An invitation-only closed-beta tier with the same feature entitlements as the Alpha tier, granted for a thirty (30) day Ace Period in exchange for active feedback. Ace status is offered by the Company at its sole discretion to prospective public-edition users whose track record of product feedback (frequency, quality, substance) the Company considers strong; there is no public sign-up form for Ace status. Full Ace terms (eligibility, conversion, feedback obligation, grace period, badge, loss of status) are in Appendix C.

4.2 Feature Matrix

The Company may, from time to time, add, remove, rename, or reclassify features within this matrix on at least thirty (30) days' prior notice. Reclassifications (for example, moving a feature from Alpha to Scout) take effect at the next billing cycle for active subscribers.

4.3 Locked-Feature Display

The Software intentionally renders Alpha-only screens and entry-points to Scout users behind a “locked overlay.” The locked overlay (a) discloses that the feature is exclusively available in the Alpha tier, (b) provides a brief description of the feature, and (c) offers an in-product link to upgrade. The locked overlay is itself a Feature Gate and is enforced both client-side and server-side. Attempting to bypass the locked overlay is a violation of Section 3.4(i).

4.4 Server-Side Feature Enforcement

You acknowledge that, in addition to client-side Feature Gates, the Services refuse to serve data or perform actions for which your Subscription Tier does not provide entitlement (for example, the market-bars endpoint that powers Strategy Lab will return HTTP 403 to a Scout license). A Tier-Violation Event is logged whenever such a server-side refusal occurs.

4.5 Anti-Abuse — Trial Eligibility

The Software is intended to make the Trial available to natural persons evaluating it in good faith. The Trial is not available to: (a) any user who has previously held a Trial under any account identifier; (b) any user signing up from an email address, phone number, payment-method fingerprint, IP address, or Device installation identifier the Company has reason to believe is associated with a prior Trial; (c) any user residing in any jurisdiction where the Software is not lawfully available; or (d) any user the Company has previously terminated under Section 14. The Company may, in its sole discretion, decline to grant or shorten any Trial, and reserves the right to deactivate any License Key it determines has been obtained by such anti-abuse circumvention.

4.5.1 Operator Override for Legitimate Exceptions

The Company recognises that the anti-abuse fingerprint check in Section 4.5 can return a positive match in circumstances that are not actually abusive — for example, where (i) a single household has more than one natural person who would each independently qualify for a Trial; (ii) a user replaces their Device and a fresh activation correctly matches the Device installation identifier of their prior installation; (iii) a user has changed phone number or email address since a prior Trial but is the same natural person otherwise in good standing; or (iv) the Company has issued a refund to a user under Section 9.6 and the user subsequently wishes to retry the Software. In any such case, you may contact the Company at ceylonanalytics@gmail.com from the email address of record with a short factual description; on review the Company may, in its sole discretion, grant a Trial-eligibility exception. The Company does not commit to a turnaround time, may decline to grant any exception for any reason or no reason, and may revoke any granted exception if the underlying circumstances are later determined to have been misrepresented.

4.5.2 Virtual Machines Permitted

The Software may be installed, and a Trial activated, on either a physical computer or a virtual machine (for example, VMware, Parallels, Hyper-V, QEMU/KVM, or similar). Running the Software inside a virtual machine does not, by itself, disqualify you from a Trial or from continued use — this supports legitimate users who run the Software (a Windows application) within a virtual machine, such as on a non-Windows host. The anti-abuse rules in Section 4.5 and the prohibitions in Section 11 continue to apply in full: in particular, you may not use virtual machines, multiple Device installations, or any other means whose purpose or effect is to obtain more than one free Trial Period (see Section 11(l)). Each License Key remains subject to the one-active-Session rule in Section 3.2, and every Device you use — whether physical or virtual — counts toward any Device limit the Company applies under that Section. The Company may record whether an activation occurred within a virtual machine as part of its anti-abuse monitoring.

4.6 Locked-State Operation

If your subscription enters one of the following states, the Software switches to a Locked State that preserves your local trade data but restricts which features you may use:

• Ace Post-Grace State. Your Ace Period (30 days) and grace window (7 days) both ended without conversion to a paid subscription, as described in Appendix C.6.
• Payment-Failed State (Scout or Alpha). Your subscription payment failed, the seven (7) day Grace Period described in Section 9.5 expired, and you have not yet been deactivated under Section 14.

In Locked State:

• Your encrypted local journal is preserved. Section 5's Trial-Expiry Wipe does NOT apply.
• You may view, in read-only mode: your existing trade ledger (including notes and attachments), your trade analytics dashboards (P&L, fees analysis, gain/loss distribution), your long-term stock positions, your cryptocurrency positions, and your multi-account dashboard.
• You may access at any time, with full read AND write capability: the Account / Subscription screen, Settings, Backup, Restore, Discord integration, recovery-phrase regeneration, and the phone-number change flow. These surfaces remain unlocked so you can manage your billing, sign out, secure your account, and export your encrypted backup.
• You may NOT create new trades, edit or delete existing trades, manage long-term or crypto positions, or perform any action that modifies your stored trade data, including but not limited to: opening the Trade Cockpit, opening the Strategy Editor, opening the Swing Monitor, importing broker files (Trade Import / Broker Upload), running the Smart Categorizer, opening the Next-Day Position Planner or its DAS hot-key generator, or running the Strategy Lab simulator.
• The locked surfaces display an in-product overlay explaining the lock and offering an in-product subscribe / renew action.
• To exit Locked State: subscribe (Ace Post-Grace State) or update your payment method (Payment-Failed State) from the Account screen.

Locked State is not Termination. Section 14 deactivation may follow if Locked State persists more than the period described in Section 9.5. While in Locked State your right to maintain a single active Session (Section 3.2) is preserved.

5. Seven-Day Trial, Trial Expiry, and Data Wipe

5.1 Trial Activation and Conversion

On first activation, the Software opens in Trial Period mode with the Alpha feature entitlement (Section 4.1). You may convert to a paid subscription at any time during the Trial Period from the in-product billing flow. If you convert during the Trial, you are not charged until the end of the Trial Period; thereafter you are charged at the Scout or Alpha rate you elected.

5.2 Conversion Required to Continue

To continue using the Software past the Trial Period, you must convert to a paid subscription before the Trial Period ends. If you do not convert before the Trial Period ends, your access to the Software will be locked. The Trial Period does not “downgrade” automatically to the Scout tier; you must affirmatively convert.

5.3 Trial-Expiry Wipe — Five-Minute Warning

At the moment the Trial Period ends, the Software displays a five (5) minute warning dialog with a visible countdown timer. During the five minutes, you may:

• (a) convert to a paid Scout or Alpha subscription, in which case the countdown is paused and, on successful payment confirmation, the wipe is cancelled and your trade data is preserved; or
• (b) export your trade data, license artefacts, and configuration using the Software's in-product export feature; or
• (c) take no action.

AT THE EXPIRY OF THE FIVE-MINUTE COUNTDOWN, IF YOU HAVE NOT CONVERTED, THE SOFTWARE WILL PERMANENTLY DELETE YOUR LOCAL ENCRYPTED JOURNAL DATABASE, ATTACHMENTS, EXPORTED REPORTS, AND CONFIGURATION FILES FROM THIS DEVICE.

The Software then exits.

5.4 Acknowledgement of Wipe Risk

YOU EXPRESSLY ACKNOWLEDGE THE FIVE-MINUTE-WARNING WIPE MECHANISM AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR EXPORTING ANY USER DATA YOU WISH TO RETAIN BEFORE THE TRIAL PERIOD ENDS.

The Company does not maintain a server-side copy of your trade data and cannot restore the wiped data after the five-minute countdown expires.

5.5 Wipe Receipt

At the moment the wipe completes, the Software writes a single small “wipe receipt” file to your Device for diagnostic and audit purposes. The wipe receipt contains no User Data; it contains only the timestamp of the wipe, the License Key (so a future support request can confirm which License Key wiped this Device), and a checksum of the deletion ledger.

5.6 Locked-Out State and Re-Activation

After the wipe, the Software exits to a locked-out state. To use the Software again, you must purchase a Scout or Alpha subscription and re-activate your License Key. On re-activation the Software creates a fresh local database. Pre-wipe trade data is not recoverable unless you exported it during the warning period or under Section 5.3(b).

5.7 Resume of an In-Progress Subscription Purchase

If, at the moment the countdown reaches zero, the Software's in-product payment flow has dispatched a payment attempt that is still pending confirmation from the Company's payments processor, the countdown is automatically extended for an additional sixty (60) seconds to allow the payment to confirm. If the payment confirms within that window, the wipe is cancelled.

6. Eligibility

To use the Software you must:

• (a) be at least eighteen (18) years of age (or the age of majority in your jurisdiction, if greater);
• (b) have the legal capacity to enter into binding agreements;
• (c) not be a person prohibited from receiving the Software under United States export-control laws, including any person listed on the U.S. Treasury Department's Specially Designated Nationals List or the U.S. Commerce Department's Entity List; and
• (d) be solely responsible for your compliance with all applicable local, state, federal, and international laws and regulations, including securities laws, commodities laws, tax laws, anti-money-laundering laws, and laws of any broker-dealer or trading venue with which you transact.

The Software is not available in jurisdictions where its use would be prohibited by law. You may not use the Software for any unlawful purpose.

7. Educational and Informational Purpose Only

7.1 Not Financial Advice

THE SOFTWARE AND ALL CONTENT ARE PROVIDED STRICTLY FOR EDUCATIONAL, ANALYTICAL, AND INFORMATIONAL PURPOSES ONLY.

Nothing contained in or generated by the Software constitutes, or is intended to constitute:

• (a) financial advice, investment advice, or recommendations of any kind;
• (b) a solicitation, offer, or recommendation to buy, sell, hold, or short any security, option, future, derivative, or other financial instrument;
• (c) a recommendation to pursue any particular trading or investment strategy; or
• (d) personalised financial planning, portfolio management, or risk-management advice.

7.2 Not Tax Advice

Any tax-related features, calculations, or reports within the Software are for general informational purposes only and:

• (a) do NOT constitute professional tax advice;
• (b) are NOT a substitute for consultation with a licensed Certified Public Accountant, enrolled agent, or qualified tax professional;
• (c) may NOT reflect the most current tax laws, regulations, or interpretations applicable to your circumstances;
• (d) should NOT be filed verbatim with any taxing authority; and
• (e) are NOT prepared by a licensed tax preparer.

THE COMPANY IS NOT A TAX PREPARER, TAX ADVISOR, OR ACCOUNTING FIRM.

7.3 Not Legal Advice

The Software does not provide legal advice. For legal questions related to trading, investing, taxation, or anything else, consult a licensed attorney in your jurisdiction.

7.4 Hypothetical Performance Results — CFTC Rule 4.41-Style Disclosure

7.5 Regulatory Status

Ceylon Analytics Corp is NOT:

• (a) a registered investment adviser under the Investment Advisers Act of 1940;
• (b) a broker-dealer registered with the Securities and Exchange Commission or any state securities regulator;
• (c) a Commodity Trading Advisor, Commodity Pool Operator, Introducing Broker, or Futures Commission Merchant registered with the Commodity Futures Trading Commission or member of the National Futures Association;
• (d) a registered financial planner;
• (e) a licensed tax preparation service; or
• (f) a licensed accounting firm.

The Company relies on the CFTC Rule 4.14(a)(9) exemption from CTA registration because the Software does not provide individualised commodity trading advice tailored to any particular client. To the extent the Software displays commentary regarding equity securities, it does so as a publisher of impersonal, general-interest information, not as an investment adviser.

8. No Guarantee of Accuracy

8.1 Calculations and Analytics

While the Company strives for accuracy, all calculations, analytics, profit-and-loss reports, fee computations, statistics, simulations, and other numerical outputs generated by the Software may contain errors, inaccuracies, or omissions. You are solely responsible for independently verifying every figure on which you rely.

8.2 Market Data

Market data displayed in the Software may be: delayed by fifteen (15) minutes or more; sourced from third-party providers (including but not limited to Polygon.io and Yahoo Finance) over whom the Company has no control; subject to inaccuracies, gaps, or outages; incomplete for certain securities, periods, or sessions; or adjusted differently than other data sources for splits and dividends.

8.3 No Reliance

You agree not to rely solely on the Software for any trading decision, financial report, tax filing, regulatory filing, audit response, or insurance claim.

9. Subscription and Payments

9.1 Subscription Model

Access to the Software past the Trial Period requires an active paid subscription at the Scout or Alpha tier. Subscription pricing is published at https://ceylonanalytics.com/pricing (or a successor URL) and is shown in the in-product billing flow before you confirm purchase.

9.2 Auto-Renewal

Your subscription will automatically renew at the end of each billing period at the then-current rate, unless you cancel before the renewal date. You authorise the Company (acting via its payments processor) to charge your payment method on file for each renewal. Renewal reminders will be sent to the email address on file at least seven (7) days before each monthly renewal and at least thirty (30) days before each annual renewal.

9.3 Cancellation

You may cancel your subscription at any time from the Software's account screen, from the Company-hosted billing portal, or by emailing ceylonanalytics@gmail.com. On cancellation you retain access through the end of the then-current paid period. No proration applies to partial periods.

9.4 Price Changes

The Company may change subscription prices at any time on at least thirty (30) days' advance notice. Price changes will take effect at the start of your next billing cycle following the notice period. If you do not agree to the new price, you may cancel under Section 9.3 before the new price takes effect.

9.5 Failed Payments and Grace Period

If a renewal payment fails, the Company will retry the payment up to three (3) times over the seven (7) days following the failure (“Grace Period”). During the Grace Period the Software will remain functional and you may update your payment method. If the payment is not successfully cured within the Grace Period the Software will lock to a read-only mode (see Section 4.6 for the user-facing description of Locked State), and after a further thirty (30) days the License Key will be deactivated. The Trial-Expiry Wipe mechanism in Section 5 does NOT apply to paying subscribers whose payment has failed; deactivation following a Grace Period lapse does not trigger a wipe.

9.6 Refund Policy (14-Day Money-Back)

For paid subscription charges, the Company offers a fourteen (14) day money-back refund, subject to the following:

• (a) Eligibility window. You may request a refund within fourteen (14) days of any single subscription charge (initial paid charge or subsequent renewal).
• (b) How to request. Email ceylonanalytics@gmail.com from the email address associated with your account stating the charge for which you are requesting a refund.
• (c) Review.The Company reviews each refund request individually. The Company will respond within five (5) business days. Refunds are issued at the Company's discretion based on usage telemetry, prior refund history on the same account, and compliance with this Agreement.
• (d) Exclusions. Refunds are not available for: (i) charges older than fourteen (14) days; (ii) accounts terminated for cause under Section 14; (iii) accounts where the License Key has been shared, published, or used by more than one natural person; (iv) accounts where the Company has reasonable grounds to believe the account was created in violation of Section 4.5 (anti-abuse Trial eligibility); or (v) charges incurred during an active chargeback dispute.
• (e) Method.Approved refunds are returned to the original payment method via the Company's payments processor. Settlement timing depends on the payment method (typically five (5) to ten (10) business days).
• (f) After fourteen (14) days. No refunds (including prorated refunds for unused portions of a billing period) are provided for charges older than fourteen (14) days, except as expressly required by applicable law.

9.7 Currency and Taxes

All fees are quoted in United States Dollars (USD). You are responsible for any sales, use, value-added, withholding, or other tax that may apply to your subscription, other than taxes on the Company's net income.

9.8 Promotional Codes and Discounts

The Company may, from time to time, offer promotional codes, discount codes, or limited-time pricing. Promotional codes are limited to one per account, non-transferable, non-redeemable for cash, and subject to expiry. The Company may revoke any promotional code at any time, on notice, without prior approval.

9.9 Chargebacks

If you issue a chargeback or payment-reversal request in respect of a charge for which you did not first request a refund under Section 9.6, the Company may (at its discretion) (a) provide the payments processor with evidence of your acceptance of this Agreement, your subscription history, and your usage history; and (b) deactivate your License Key under Section 14.3(d) until the chargeback dispute is resolved.

10. User Responsibilities

You agree to:

• (a) maintain the security and confidentiality of your login credentials, License Key, password, twelve-word recovery phrase, and any one-time codes;
• (b) provide accurate, current, and truthful information when creating your account, when accepting this Agreement, and when responding to identity-verification requests;
• (c) use the Software in compliance with all applicable laws and regulations;
• (d) promptly notify the Company at ceylonanalytics@gmail.com of any unauthorised use of your account or License Key, any loss of your recovery phrase or phone number on file, or any suspected security incident;
• (e) regularly back up your User Data (the Software provides an in-app encrypted backup feature; you are responsible for periodically running it and verifying the backup); and
• (f) not attempt to access any feature of the Software for which your then-current Subscription Tier does not entitle you, including by tampering with the Software's binary or by spoofing license-verification responses.

11. Prohibited Use and Abuse

In addition to the restrictions in Section 3.4, you shall not:

• (a) attempt to gain unauthorised access to the Software, the Services, the Company's servers, or any related system;
• (b) circumvent, disable, tamper with, or interfere with any licensing check, security feature, encryption layer, Feature Gate, telemetry, or access control of the Software;
• (c) share, distribute, post, publish, sell, or transmit your License Key or login credentials, including by posting credentials in chat rooms, forums, or distribution lists;
• (d) use the Software to manipulate financial markets, place spoof or layered orders, engage in front-running, engage in or facilitate wash trading, money laundering, market manipulation, or any other illegal activity;
• (e) interfere with or disrupt the integrity or performance of the Software or Services or the data contained therein;
• (f) introduce any virus, worm, malware, ransomware, or other malicious code into the Software or Services;
• (g) probe, scan, or test the vulnerability of the Software or the Services (other than under a written security-research engagement with the Company that you have obtained in advance and in writing);
• (h) impersonate any other person or entity, or misrepresent your affiliation with any person or entity, when communicating with the Company or other Software users;
• (i) harass, threaten, or abuse Company personnel, other users, or moderators in any channel (Discord, email, social media, in-product, etc.);
• (j) use the Software in a manner that adversely affects the Company's ability to provide the Software or Services to other users (for example, by generating excessive traffic against Company-controlled Services);
• (k) introduce any virus, worm, malware, ransomware, or other malicious code into the Software or Services;
• (l) create multiple accounts, use multiple payment methods, use multiple email addresses, use VPN or proxy networks, or take any other action whose purpose or effect is to obtain a second free Trial Period or to evade the Company's enforcement of any provision of this Agreement.

The Company expressly reserves the right to immediately terminate your access and License Key, without refund, for any violation of this Section 11.

12. Intellectual Property

12.1 Company Ownership

The Software, including all code, user-interface designs, graphics, logos, icons, audio, video, in-app content, documentation, and related materials, is the exclusive property of Ceylon Analytics Corp and is protected by copyright, trademark, trade-secret, and other intellectual-property laws of the United States and other jurisdictions.

12.2 Trademarks

“Ceylon Analytics,” “Trade Cortex,” “Cortex,” “Trading Journal” (in the trading-software context), “Smart Categorizer,” “Strategy Lab,” “Trade Cockpit,” “Pattern Miner,” and the Trade Cortex logo are trademarks of Ceylon Analytics Corp. You may not use these marks without prior written permission of the Company.

12.3 Your Data

You retain full ownership of all User Data. The Company does not claim any ownership of, or license to, your trade data, journal entries, attachments, settings, or any other content you create within the Software, except: (a) the limited internal license required to operate the Software on your behalf when you instruct it to (for example, by uploading a CSV); and (b) the license described in Section 12.4 (Feedback).

12.4 Feedback

If you submit suggestions, bug reports, feature requests, mock-ups, sample data, screenshots, or other feedback to the Company (whether through Discord, email, in-product channels, or otherwise), you grant the Company a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, modify, distribute, and incorporate that feedback into the Software, Services, and Company business, without obligation of attribution or compensation. The Company will not publish your feedback verbatim in a way that personally identifies you without your consent, but may describe it, summarise it, build upon it, or reference it anonymously.

13. Privacy, Encryption, Account Recovery, and Tier-Enforcement Telemetry

13.1 Privacy Policy

Your use of the Software is also subject to the Company's Privacy Policy, which is incorporated by reference into this Agreement. To the extent the Privacy Policy is inconsistent with this Section 13, this Section 13 controls.

13.2 Local-First Architecture

Your trade data, journal entries, attachments, settings, and primary database files are stored locally on your Device, encrypted at rest. The Company does not have access to those files unless you voluntarily share them (for example, by emailing an exported report or by enabling optional cloud-sync to your own cloud-storage account, see Section 13.7), and the Trial-Expiry Wipe in Section 5 deletes the local copy of those files at the end of an unconverted Trial.

13.3 Data the Company Does Collect

The Company collects, processes, and stores only the limited information necessary to operate the Software and Services, including:

• (a) License and account information: username, email address, License Key, Subscription Tier, current subscription status, billing-cycle dates, and (for licenses bound to a phone number) the phone number on file;
• (b) Authentication artefacts: a PBKDF2-HMAC-SHA256 password hash and a salted SHA-256 hash of your 12-word recovery phrase. The Company never stores the password or recovery phrase in plaintext;
• (c) Session metadata: Session start and end times, IP address, user-agent, software version, operating system, country derived from IP, and a derived “Device installation identifier” used only to render the Software's “current Session” display;
• (d) Tier-enforcement telemetry:an enumeration of which subscription-gated features were exercised in a given Session (“Features-Used Reports”), the version of the Software in use, and a binary integrity hash of the running executable. The telemetry does not include the contents of your trade journal, your trade records, your screenshots, or your attachments;
• (e) Terms-of-Service acceptance log: the username, IP address, user-agent, document version, and timestamp at which you accepted this Agreement and any prior version;
• (f) Billing artefacts: information processed by the Company's third-party payments processor (Stripe) on the Company's behalf — specifically the subscription identifier, the customer identifier, the most recent invoice identifier, and the last four digits of the payment method. The Company never sees, stores, or transmits full card numbers;
• (g) Trial-Wipe receipts: when the Trial-Expiry Wipe described in Section 5 occurs, the wipe receipt described in Section 5.5 is transmitted to the Company for audit purposes. The wipe receipt contains no User Data;
• (h) Support correspondence:when you email the Company, your email, attachments, and the Company's reply, retained for the longer of (i) three (3) years or (ii) the duration of your active subscription; and
• (i) Anti-abuse fingerprints: in service of Section 4.5 (Trial Eligibility), the Company stores a dedicated table of de-identified Trial-activation fingerprints: (i) your lowercased email address, (ii) your digits-only phone number, and (iii) a salted SHA-256 hash of your Device installation identifier (the salt is a server-side secret known only to the Services; the hash is not reversible to the underlying Device identifier without that secret). These fingerprints are evaluated server-side only at the moment of a new Trial activation, are not transmitted to any third party, are not used for marketing, advertising, profiling, or any purpose other than the anti-abuse check in Section 4.5, and may be cleared in respect of any specific License Key under the operator-override flow described in Section 4.5.1.

13.4 SQLCipher Encryption — How Your Data Is Protected

The Software encrypts your local trading database with AES-256 via SQLCipher. The encryption key is wrapped on your Device using two independent secrets that you, and only you, hold:

• (a) Your password. The Company stores only a PBKDF2-HMAC-SHA256 hash on its servers; the password itself is never transmitted in plaintext or stored at rest.
• (b) A 12-word BIP39 recovery phrase generated on your Device the first time you set up encryption. The Company never sees this phrase. The Company stores only a salted SHA-256 hash, used solely to verify the phrase during a password reset; the hash is not reversible to the phrase.

13.5 No Key Escrow — Permanent Data-Loss Risk

THE COMPANY DOES NOT, AND CANNOT, RECOVER THE ENCRYPTION KEY USED FOR YOUR LOCAL DATABASE.

The keys never leave your Device, by design.

You acknowledge and agree that:

• (a) if you lose both your password and your 12-word recovery phrase, the trading-journal data on the affected Device is permanently unrecoverable;
• (b) the Company has no administrator override, master key, backdoor, or backup that could decrypt your Device-side data;
• (c) the Company can restore your subscription access on a fresh installation (your existing License Key remains valid; billing and expiry are preserved), but any prior trades, journal entries, attachments, and reports stored on the affected Device will be unreadable; and
• (d) you bear the risk and the loss of any such unrecoverable data.

13.6 Storage Responsibility

You are solely responsible for safeguarding your password and your 12-word recovery phrase. The Company will never ask you for your phrase or password by email, telephone, chat, or any other channel; any such request is fraudulent.

13.7 Cloud Sync

Cloud-synchronisation features (for example, the optional Google Drive backup) are optional and user-controlled. If you enable them, the Software writes encrypted backups to your own cloud-storage account using credentials you supply. The Company does not store, mirror, or have access to those backups.

13.8 Resetting a Forgotten Password

The in-app password-reset flow requires three independent factors:

• A one-time SMS code sent to the phone number on file for your account;
• The 12-word recovery phrase you generated at encryption setup; and
• The new password you choose.

On a successful reset all active Sessions for your account are signed out and your password is rotated.

13.9 Session Binding (One Active Session Per License)

Each subscription is bound at any moment to a single active Session, enforced server-side. Starting a Session on a second Device signs you out of any prior Session under the same License Key.

13.10 Account-Recovery Requests

If you have lost all reset factors (password, recovery phrase, and the phone number on file), the Company can restore access to your subscription on a fresh installation but cannot recover any encrypted data from the affected Device. Such requests require identity verification at the Company's discretion. The Company shall not be liable for any loss arising from a refused or delayed recovery request, or from a recovery request later determined to have been made by an unauthorised person who satisfied the verification bar.

13.11 Tier-Violation Events

If the Services detect a Tier-Violation Event, the Company will:

• (a) record the event in your account history;
• (b) at the Company's discretion, send a warning notice to the email address on file describing the violations detected, providing an opportunity to upgrade to a tier that includes the relevant feature, and stating a deadline by which to respond; and
• (c) if the violations continue after the warning, or if the pattern of events indicates wilful binary tampering or License-Key sharing, deactivate the License Key under Section 14.

For operational transparency, the Company's current default thresholds (subject to adjustment by the Company at any time) are: three (3) or more Tier-Violation Events under the same License Key within any rolling seven (7) day window surface a row on the Company's operator dashboard; a warning email is sent at the Company's discretion; the warning carries an opportunity-to-cure period after which deactivation may follow under Section 14.3. The Company may set or revise these thresholds without notice; the Company will not, however, surface or warn on Tier-Violation Events that the Company in good faith attributes to ambiguous or borderline-feature behaviour rather than deliberate circumvention.

13.12 No Sale of Data

The Company does not sell, rent, trade, or otherwise transfer your personal information or User Data to any third party for marketing or advertising purposes.

13.13 AI and Model Training

The Company does not use your User Data, trade records, journal entries, attachments, or content of your support emails to train any general-purpose machine-learning model. The Company may use anonymised, aggregated usage statistics (for example, the total number of trades processed across all users in a month) for product-improvement purposes.

14. Warranty Disclaimer, Limitation of Liability, and Termination

14.1 “As Is” Disclaimer

THE SOFTWARE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

The Company expressly disclaims all warranties, including but not limited to: the implied warranty of merchantability; the implied warranty of fitness for a particular purpose; the implied warranty of non-infringement; any warranty arising from course of dealing or course of performance; and any warranty as to the accuracy, reliability, currency, completeness, or fitness of any Content.

14.2 No Liability for Trading Losses or Lost Data

IN NO EVENT SHALL THE COMPANY OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY:

trading losses, investment losses, opportunity costs, or financial damages of any kind; loss, corruption, or unavailability of User Data, including any data rendered unrecoverable by the Trial-Expiry Wipe (Section 5) or by loss of password or recovery phrase; system failures, software errors, crashes, freezes, or memory-allocation failures; missed trades, delayed executions, or incorrect executions; incorrect calculations, analytics, reports, simulations, or tax computations; decisions made by you or any other person based on Content generated by the Software; loss of profits, revenue, or business opportunities; damages arising from the actions or inaction of any third party (including your broker-dealer, any market-data provider, or any payments processor); or damages arising from your loss, forgetting, or compromise of any credential.

14.3 Termination by the Company for Cause

The Company may terminate this Agreement and revoke your License Key immediately, with or without prior notice, if you: (a) materially breach any provision of this Agreement; (b) engage in any conduct described in Sections 3.4, 10, 11, 13.11, or in the anti-abuse provisions of Section 4.5; (c) repeatedly fail to pay subscription fees lawfully owed; (d) issue a chargeback or payment-reversal request in respect of a subscription charge not eligible for refund under Section 9.6; (e) tamper with the Software's binary, license enforcement, or Feature Gates; (f) share your License Key with any other person; (g) at the Company's sole discretion, demonstrate a pattern of disrespectful or abusive conduct toward Company personnel, other users, or moderators in any Discord channel, email channel, social-media channel, or in-product channel that materially impairs the Company's ability to operate; or (h) become subject to any sanction, export-control restriction, or court order that prevents the Company from doing business with you.

14.4 Suspension by the Company

The Company may suspend your access to the Software and Services at any time, without notice, if it has reasonable grounds to believe that: (a) your account or License Key has been compromised; (b) your continuing access creates a security or operational risk to the Company or other users; (c) your payment method has failed and the Grace Period has lapsed; or (d) you are using or attempting to use the Software in violation of Sections 3, 10, 11, 13.11, or 4.5, or of any applicable law. The Company will use reasonable efforts to give you notice promptly after suspension.

14.5 Termination by You

You may terminate this Agreement at any time by cancelling your subscription and uninstalling the Software. Cancellation does not entitle you to any refund except as provided in Section 9.6.

14.6 Effect of Termination

On termination of this Agreement: (a) your right to use the Software is immediately revoked; (b) you must cease all use of the Software and may uninstall it; (c) the Company will retain Company-side data about your account, billing, and acceptance log for the longer of three (3) years or such longer period as required by law, audit, or pending dispute; (d) any outstanding fees that you have lawfully accrued remain due and payable; and (e) the Sections identified in Section 14.10 survive.

14.7 Maximum Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT, THE SOFTWARE, OR THE SERVICES (WHETHER IN CONTRACT, TORT, STATUTE, OR OTHERWISE) SHALL NOT EXCEED THE GREATER OF (i) THE TOTAL AMOUNT YOU ACTUALLY PAID TO THE COMPANY UNDER THIS AGREEMENT IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (ii) US$100.

14.8 Exclusion of Indirect Damages

IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, REGARDLESS OF THE CAUSE OF ACTION OR THE THEORY OF LIABILITY, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

14.9 Indemnification by You

You agree to indemnify, defend, and hold harmless Ceylon Analytics Corp, its officers, directors, employees, agents, and affiliates from and against any and all third-party claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Software or Services; (b) your violation of this Agreement; (c) your violation of any applicable law or regulation; (d) any claim that your User Data infringes a third party's intellectual-property or other rights; or (e) any trading or financial decision you make based on Content generated by the Software.

14.10 Survival

The following Sections survive termination:

4.5 (Anti-Abuse), 5.4 (Acknowledgement of Wipe Risk), 7 (Educational Purpose), 8 (No Guarantee of Accuracy), 11 (Prohibited Use), 12 (Intellectual Property), 13 (Privacy, Encryption, Tier-Enforcement Telemetry), 14 (Warranty, Liability, Indemnification, Termination), 15 (Third-Party Services), 16 (Modifications), 17 (Dispute Resolution), 18 (Governing Law), 19 (Force Majeure), 21 (Electronic Communications), 22 (Miscellaneous), Appendix C.7 (Ace Locked Rate scope), Appendix C.9 (Loss of Ace Status), and Appendix C.10 (Feedback Licence).

15. Third-Party Services and Data

15.1 Third-Party APIs and Data

The Software interfaces with third-party services, including but not limited to Polygon.io, Yahoo Finance, Stripe, Resend, Twilio, Cloudflare, and Google Drive. The Company is not responsible for the availability, accuracy, completeness, timeliness, or reliability of data or services provided by any such third party.

15.2 Third-Party Terms

Your use of any such third-party service is also subject to that third party's own terms of service, acceptable-use policy, and privacy policy. The Company is not a party to your agreement with any such third party.

15.3 Market-Data Delays

Market data displayed in the Software may be delayed by fifteen (15) minutes or more, and should not be used as a primary feed for real-time trading decisions.

15.4 User-Supplied Market-Data API Key

Market-data features of the Software (including charts, intraday and daily price bars, and price-dependent calculations) require you to obtain and supply your own valid Application Programming Interface (“API”) key from a supported third-party market-data provider — currently Polygon.io, now operating as “Massive” (massive.com), or such other provider as the Software may support from time to time. You acknowledge and agree that:

• (a) Your account, your responsibility. You are solely responsible for creating and maintaining your own account with the provider, for the security and confidentiality of your API key, and for any fees, usage limits, rate limits, or plan restrictions associated with your account.
• (b) Your compliance. Your use of the provider and its data is governed by, and you are responsible for complying with, that provider's own terms of service and acceptable-use policy (see also Sections 15.1–15.2).
• (c) The Company supplies no market data.The Company does not supply, resell, sublicense, or redistribute the provider's market data. The Software uses the API key you provide, at your instruction, to retrieve data directly from the provider for your own use. Market-data features are unavailable until you have configured a valid key.
• (d) Supplementary / current-day data.Because the provider's free tier excludes the current trading day, certain supplementary or current-day data may be retrieved on your behalf through the Company's infrastructure (e.g., Cloudflare) from a no-key public source such as Yahoo Finance; in that case the security symbol you request is transmitted through the Company's servers solely to fulfil your request, subject to Appendix B (Privacy).
• (e) No responsibility for the provider.The Company is not responsible for any provider's suspension, rate-limiting, geographic restriction, pricing change, data error, downtime, or termination of your account or key.

16. Modifications to This Agreement

The Company may modify this Agreement from time to time. The Company will notify you of any modification by at least one of:

• (a) an in-app notice on the next launch following the modification's posting;
• (b) an email to the address on file;
• (c) an updated version posted at https://ceylonanalytics.com/terms (or a successor URL); or
• (d) for material changes (changes affecting your payment obligations, your data-handling, your dispute-resolution rights, your Subscription Tier entitlement, or the Trial-Expiry Wipe mechanism), an in-app prompt that requires you to re-accept the new Agreement before continuing to use the Software.

Non-material changes take effect when posted. Material changes take effect on re-acceptance. If you do not agree with a material change, you may cancel your subscription under Section 14.5.

17. Dispute Resolution — Arbitration and Class-Action Waiver

17.1 Informal Resolution First

Before initiating any formal dispute proceeding, you agree to first contact the Company at ceylonanalytics@gmail.com, in writing, and to attempt in good faith to resolve the dispute informally for at least thirty (30) days following the Company's receipt of your notice. The thirty-day period tolls any applicable statute of limitations.

17.2 Binding Arbitration

Except as expressly set out in Section 17.5, any dispute, claim, or controversy arising out of or relating to this Agreement, the Software, the Services, the Privacy Policy, or any incident, transaction, or course of dealing between you and the Company (a “Dispute”) that is not resolved under Section 17.1 shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules (and, if and to the extent the AAA Consumer Arbitration Rules apply, those Rules instead) then in effect, except as modified by this Section 17.

17.3 Procedure

• (a) Seat and venue. Arbitration shall be seated in New York County, New York, and conducted in the English language. The arbitrator may conduct hearings by videoconference if either party so requests.
• (b) Single arbitrator. A single, neutral arbitrator selected pursuant to the applicable AAA Rules shall preside.
• (c) Fees.Each party shall bear its own attorneys' fees. Filing and administrative fees shall be allocated as provided in the AAA Rules; provided that, if AAA determines you qualify for fee relief and the Company is the prevailing party, the Company waives any right to seek to recover such fees from you.
• (d) Confidentiality. All arbitration proceedings shall be confidential, and the existence and content of the arbitration shall not be disclosed by the parties, except as required by law or to enforce, challenge, or comply with the award.
• (e) Limitations of liability. The arbitrator shall apply the limitations of liability set out in Section 14 of this Agreement.
• (f) Federal Arbitration Act. This arbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq.

17.4 Class-Action and Jury Waiver

YOU AGREE THAT ANY DISPUTE PROCEEDINGS WILL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY AND NOT IN A CLASS, CONSOLIDATED, COLLECTIVE, MASS, OR REPRESENTATIVE ACTION OR ARBITRATION.

You expressly waive any right to participate in any class action lawsuit, class-wide arbitration, private attorney-general action, or other representative proceeding against the Company.

BOTH PARTIES WAIVE THE RIGHT TO A TRIAL BY JURY for any Dispute that, for any reason, proceeds in court.

If a court declares any portion of this Section 17.4 unenforceable as to a particular claim, that claim shall be severed from arbitration and may proceed in court, but the remainder of Section 17 (including arbitration of all other claims) shall remain in full force.

17.5 Carve-Outs

Notwithstanding Section 17.2, either party may:

• (a) bring an individual action in small-claims court for any claim within the small-claims jurisdictional limits of the applicable court;
• (b) seek temporary or preliminary injunctive relief in any court of competent jurisdiction to protect its intellectual-property rights, confidential information, or License Key enforcement (each of which is conceded to constitute irreparable harm not adequately remediable at law); and
• (c) pursue any claim that, by statute, may not be subjected to a pre-dispute mandatory arbitration agreement (for the avoidance of doubt, including but not limited to discrimination-related claims governed by New York Civil Practice Law and Rules § 7515, to the extent that section applies and is not pre-empted by federal law).

17.6 30-Day Opt-Out

You may opt out of Sections 17.2, 17.3, and 17.4 by sending the Company a written notice of opt-out to ceylonanalytics@gmail.com from the email address associated with your account, within thirty (30) days of your first acceptance of this Agreement. The notice must state that you opt out of arbitration and class-action waiver. If you timely opt out, Sections 17.2, 17.3, and 17.4 will not apply to you; the remainder of this Agreement, including Section 18, will continue to apply.

17.7 Severance and Enforceability

If the entire Section 17 (Dispute Resolution) is declared unenforceable, the parties agree that the action shall be brought solely in the state and federal courts located in New York County, New York, as provided in Section 18.

18. Governing Law and Venue

This Agreement, and any Dispute arising out of or relating to it, shall be governed by, and construed in accordance with, the laws of the State of New York, without regard to its conflict-of-laws principles. To the extent any action is brought in court, the parties consent to the exclusive personal jurisdiction and venue of the state and federal courts located in New York County, New York.

The Federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions in Section 17.

The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement.

19. Force Majeure

The Company shall not be liable for any failure or delay in performing its obligations under this Agreement due to causes beyond its reasonable control, including but not limited to: natural disasters; severe weather events; acts of God; war; armed conflict; terrorism; civil unrest; epidemic or pandemic; government actions, sanctions, or embargoes; internet, electricity, or telecommunications failures (including failures of upstream service providers such as Cloudflare, AWS, or any payments processor); cybersecurity incidents not caused by the Company's gross negligence; supply-chain failures affecting code-signing certificates, third-party libraries, or data providers; or any other force-majeure event.

20. Export Compliance

You agree to comply with all applicable United States export-control laws and regulations. You shall not export, re-export, or transfer the Software to any country, entity, or person prohibited by U.S. law, including any country subject to U.S. comprehensive sanctions, any person or entity on the Specially Designated Nationals List, or any person or entity on the Entity List or Denied Persons List.

21. Electronic Communications and Notices

21.1 Consent to Electronic Notices

You consent to receive all communications, notices, disclosures, agreements, and other records (“Records”) from the Company in electronic form, including by email to the address on file, by in-product notification, and by posting on the Company website. The Company will provide a paper copy of any Record on written request; the Company reserves the right to charge a reasonable fee for paper Records.

21.2 Notice from the Company to You

The Company may give you notice by (a) email to the address on file, (b) in-product notice on the next launch of the Software, or (c) posting at https://ceylonanalytics.com/terms.

21.3 Notice from You to the Company

Notice from you to the Company under this Agreement must be sent in writing to ceylonanalytics@gmail.com from the email address associated with your account.

22. Miscellaneous

22.1 Severability

If any provision of this Agreement is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable; and the remaining provisions shall remain in full force and effect.

22.2 No Waiver

The Company's failure to enforce any right or provision of this Agreement shall not constitute a waiver of that right or provision. Any waiver of any provision of this Agreement must be in writing and signed by an authorised officer of the Company.

22.3 Assignment

You may not assign or transfer your rights or obligations under this Agreement, by operation of law or otherwise, without the Company's prior written consent; any purported assignment in violation of this Section is void. The Company may assign this Agreement, in whole or in part, without restriction, including in connection with any merger, acquisition, sale of assets, or change of control.

22.4 No Third-Party Beneficiaries

This Agreement is solely for the benefit of the Company and you. It does not create any third-party beneficiary rights in any other person or entity.

22.5 Independent Contractors

Nothing in this Agreement creates any partnership, joint venture, employment, agency, or franchise relationship between the parties.

22.6 Headings

Section headings are for convenience only and shall not affect the interpretation of this Agreement.

22.7 Entire Agreement

This Agreement, together with the Privacy Policy and Appendices A, B, and C, constitutes the entire agreement between you and the Company regarding its subject matter, and supersedes all prior agreements, communications, proposals, and understandings, whether oral or written.

23. Contact Information

Ceylon Analytics Corp
Registered in: State of New York, United States of America
Email: ceylonanalytics@gmail.com
Website: https://ceylonanalytics.com
Legal page: https://ceylonanalytics.com/terms

BY CLICKING “I AGREE,” BY CHECKING THE ACCEPTANCE BOX, OR BY USING THE SOFTWARE, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT, UNDERSTAND IT, AND AGREE TO BE BOUND BY ITS TERMS.

Appendix A — Trial & Wipe — Plain-Language Notice

The following plain-language notice is provided in addition to (not in place of) the formal Section 5. In the event of any inconsistency between this Appendix A and Section 5, Section 5 controls.

Trade Cortex Public Edition gives you a free seven-day Trial with all the Alpha features turned on. To keep using the app after the seven days, you need to purchase a Scout or Alpha subscription before the seventh day ends.

If you don't subscribe in time, the app will show you a five-minute warning before it permanently deletes the trading data on your computer. During the five minutes you can: (a) subscribe; or (b) export your data. If you do neither, your local trade data is permanently erased and we cannot get it back. We never had a copy of it.

If you decide later that you want to come back, you can buy a subscription and start over with a clean slate — but the deleted data is gone unless you exported it yourself.

We do this so the Trial is a real, complete evaluation, not a back door to indefinite free use.

Appendix B — Privacy Policy Summary

A separate, more detailed Privacy Policy is published at https://ceylonanalytics.com/legal (and bundled with the Software installer as PRIVACY_POLICY.md). The Privacy Policy is incorporated by reference into this Agreement. In the event of conflict between this Agreement and the Privacy Policy with respect to data handling, Section 13 of this Agreement controls. A summary:

• Local-first. Your trade data lives on your Device, encrypted. The Company does not host a copy.
• No selling of data. The Company does not sell or rent your data.
• Limited server-side data. Account, billing, session metadata, tier-enforcement telemetry, terms acceptance, and support correspondence only.
• No AI training on your data. The Company does not train models on your trade journal.
• You control cloud sync. Optional. Stored in your own cloud account.
• Trial-Expiry Wipe is real. At the end of an unconverted Trial, your local trade data is permanently deleted from your Device. See Section 5. Note: the wipe does NOT apply to Aces — see Appendix C.6.
• You can request export or deletion. Email ceylonanalytics@gmail.com. The Company will respond within thirty (30) days.

Appendix C — Ace Closed-Beta Program

The Ace tier is an invitation-only closed-beta cohort that helps the Company shake out the Public Edition under real-use conditions before broad release. Aces test the Public Edition and provide active feedback that shapes the product. The terms below apply in addition to the main Agreement; in the event of conflict between this Appendix C and the body of the Agreement, the body controls except where this Appendix C is more favourable to you.

C.1 Eligibility

Ace status is offered by the Company at its sole discretion to prospective public-edition users whose track record of product feedback (frequency, quality, and substance) the Company considers strong. There is no public sign-up form for Ace status. The Company may decline to offer Ace status to any person, for any reason or no reason, without explanation. The Company may decline to renew Ace status in a subsequent release wave on the basis of feedback frequency and substance during a prior wave.

C.2 Single Activation

Ace status applies to one (1) Software activation by one (1) natural person; sharing Ace status, the License Key, or login credentials with any other person is grounds for immediate termination of Ace status and revocation of the License Key under Section 14.

C.3 Ace Period — Thirty Days Free Alpha Access

Beginning at your first activation as an Ace, you receive thirty (30) consecutive calendar days of full Alpha-tier feature access at no charge (“Ace Period”). During the Ace Period your Subscription Tier is Ace, and enabled_features includes the full Alpha feature set described in Section 4.2.

C.4 Active Feedback Obligation

The Ace Period is offered in exchange for your good-faith participation in an active feedback program. You agree to provide product feedback to the Company at least once per week during the Ace Period, via either:

• (a) the Trade Cortex Discord server (invite URL will be provided in your Ace welcome email or in-product once the server is established); or
• (b) email to ceylonanalytics@gmail.com.

“Feedback” includes bug reports, feature requests, usability observations, workflow notes, regression reports, and unsolicited suggestions for product direction. The Company will reasonably consider feedback frequency and substance when evaluating renewal of Ace privileges in any subsequent wave.

C.5 Conversion at End of Ace Period

At the end of the thirty (30) day Ace Period you must elect one of the following paths to continue using the Software:

• (a) Alpha tier with the Ace Locked Rate — twelve (12) months of Alpha at the locked rate of US$30.00 per month (a 25% discount on the standard Alpha monthly rate), automatically applied at the in-product checkout via a unique, single-use Stripe promotional code assigned to your License Key at enrolment. You do not enter the promotional code yourself; the Software supplies it to the payments processor on your behalf when you click “Lock in Ace Rate” on the in-product banner. The promotional code is non-transferable and cannot be redeemed by, or applied to, any other License Key. After the twelve-month locked period ends, your subscription continues at the Company's then-current standard Alpha rate (currently US$40.00 per month) unless you cancel or downgrade before the locked period expires.
• (b) Scout tier at standard pricing — no Ace discount, no lock. Standard Scout pricing applies. The Ace Locked Rate is not available at any future upgrade from Scout to Alpha after this election; a later upgrade is billed at the then-current standard Alpha rate.
• (c) Discontinue use of the Software.

C.6 Seven-Day Grace Period — No Wipe for Aces

At the moment the Ace Period ends, you receive a seven (7) day grace window during which the Software continues to operate at full Alpha entitlement while you complete checkout under Section C.5(a) or C.5(b). The grace window is intended to accommodate weekends, travel, and time-zone differences.

THE TRIAL-EXPIRY FIVE-MINUTE-WARNING WIPE DESCRIBED IN SECTION 5 DOES NOT APPLY TO ACES.

If you do not convert by the end of the seven-day grace window, your Software access is locked, but your local encrypted journal is not deleted. To regain access, purchase a Scout or Alpha subscription at the then-current standard rates and re-activate your License Key on the existing Device; your local journal is preserved.

C.7 Ace Locked Rate — Scope and Limitations

The Ace Locked Rate is a twelve (12) month locked discount on the Alpha tier, not a lifetime lock. The Ace Locked Rate:

• (a) DOES cover all features of the Public Edition Alpha tier as it exists today and all features the Company subsequently adds to the Alpha tier during the twelve-month locked period;
• (b) DOES NOT survive a downgrade to the Scout tier within the twelve-month locked period — once you downgrade, the Ace Locked Rate is forfeited and any subsequent upgrade is billed at the then-current standard Alpha rate;
• (c) DOES NOT survive a lapse in payment of more than the seven-day Grace Period described in Section 9.5;
• (d) DOES NOT survive termination of this Agreement for cause under Section 14;
• (e) DOES NOT transfer to another natural person; and
• (f) DOES NOT confer any lifetime price protection. After the twelve-month locked period ends, your subscription continues at the then-current standard Alpha rate.

C.8 Ace Badge

During the Ace Period and for the duration of any paid Alpha-tier subscription that follows under Section C.5(a), the Software displays an “Ace”badge in your in-product account dialog. The Ace badge is also visible to the Company's authorised personnel in the admin dashboard. The badge is for recognition and operational tracking only and does not confer any independent rights or entitlements.

C.9 Loss of Ace Status

The Company may, at its sole discretion and without refund, terminate your Ace status (and any Ace Locked Rate benefit then in effect) for any of the following:

• (a) failure to provide any feedback for two (2) consecutive weeks during the Ace Period;
• (b) any conduct described in Section 11 (Prohibited Use and Abuse), including License Key sharing, binary tampering, or Feature-Gate circumvention;
• (c) any sharing of Ace status, License Key, or login credentials with any other natural person;
• (d) any chargeback or payment-reversal request in respect of a subscription charge incurred during or after the Ace Period that is not eligible for refund under Section 9.6; or
• (e) any other conduct the Company reasonably determines is incompatible with the purpose of the closed-beta program.

Termination of Ace status during the Ace Period itself ends free access immediately and requires conversion to a paid Scout or Alpha subscription at the then-current standard rate to continue using the Software. Termination of Ace status during the twelve-month Ace Locked Rate period converts your subscription to the then-current standard Alpha rate effective at the next billing cycle, or, where Section 14.3 termination applies, immediately revokes your License Key.

C.10 Feedback Licence

See Section 12.4 of the main Agreement.

C.11 No Compensation for Feedback

The Company does not pay for feedback. The consideration you receive for feedback during the Ace Period is the thirty (30) days of free Alpha access plus eligibility for the twelve-month Ace Locked Rate.