Part A. Terms of Use and Sale

1. Who we are and what these terms cover

1.1 In these terms, “we,” “us,” “our,” “Trading Apologist,” and “TA” mean TA LLC, a Wyoming limited liability company. “You” and “your” means the individual using our Services.

1.2 These terms apply to everything we operate, including the Trading Apologist website and store, the Patreon membership and its associated Discord community, our YouTube channel and other public content, the Weekly Market Digest newsletter, classes and workshops, 1:1 coaching sessions, TradingView indicator access, the market screener, the AI Trading Desk (also known as the “AI Apologist”), the TA Terminal, the Position Designer, and any other tool, feature, or content we make available now or in the future. We call all of this the “Services.”

1.3 “Instructors” means TA, its owners, employees, contractors, and anyone else delivering instruction or support on our behalf. Instructors are covered by the protections in these terms to the same extent as TA itself, and no individual instructor is a party to any contract with you. Your contract for the Services is with TA LLC. Note that for products bought through our store, the sale itself is made by Onelink, LLC as merchant and seller of record — see section 10.10. TA LLC remains the provider of the Services and the party responsible for the products themselves.

1.4 By accessing, purchasing, or using any of the Services, you agree to these terms. If you do not agree, do not use the Services.

2. Eligibility

2.1 You must be at least 18 years old to use any of the Services, including free tiers. The Services are not directed at children, and we do not knowingly collect data from anyone under 18. By using the Services, you represent and warrant that you are at least 18 years of age.

2.2 Legal permissibility and sanctions compliance. You may access and use the Services only where, and to the extent that, doing so is permitted by all laws and regulations applicable to you, including those of your country of residence, citizenship, domicile, and any location from which you access the Services. You are solely responsible for determining whether your use of the Services is lawful in your jurisdiction, and for complying with all applicable laws in connection with your use. You may not access or use the Services if you are: (a) located in, ordinarily resident in, a national of, or organized under the laws of any country or territory that is the subject or target of comprehensive economic or trade sanctions or embargoes administered or enforced by the United States (including by the U.S. Department of the Treasury’s Office of Foreign Assets Control (OFAC) or the U.S. Department of State), the United Nations Security Council, the European Union or any of its member states, the United Kingdom, or any other applicable governmental authority (collectively, “Sanctions”); (b) identified on any restricted-, denied-, or prohibited-party list maintained under applicable Sanctions or export-control laws, including OFAC’s Specially Designated Nationals and Blocked Persons List, the U.S. Department of Commerce’s Denied Persons, Entity, or Unverified Lists, the EU or UK consolidated sanctions lists, or any comparable list; or (c) owned or controlled by, or acting on behalf of, any person or entity described in (a) or (b). You represent, warrant, and covenant that none of the foregoing restrictions apply to you, that you are not the subject or target of any Sanctions, and that you will not use the Services in violation of any Sanctions or export-control law, or for the benefit of any sanctioned or restricted person, entity, or jurisdiction. These representations and warranties are deemed repeated each time you access or use the Services. If any of the foregoing becomes untrue at any time, you must immediately stop using the Services and notify us at hello@tradingapologist.com, and we may suspend or terminate your access without liability.

2.3 We may refuse Services, and may cancel any account, where we believe use would violate law or these terms.

3. Educational purpose only

3.1 Everything we produce is provided for educational and informational purposes only. This includes Patreon posts, Discord discussion, YouTube videos, the newsletter, classes, coaching sessions, indicator documentation and training, screener output, and all AI Trading Desk output.

3.2 We are not registered as an investment adviser, broker-dealer, commodity trading advisor, or in any other capacity with the U.S. Securities and Exchange Commission, the Commodity Futures Trading Commission, FINRA, the National Futures Association, any U.S. state securities regulator, or any non-U.S. financial regulator. Instructors do not provide any of the Services in the capacity of a registered or licensed broker or financial professional. Instructors deliver the Services in their capacity as educators, not as registered or licensed financial professionals or brokers, and no Instructor provides the Services in reliance on any such registration or license.

3.3 Nothing we provide is financial, investment, trading, tax, accounting, or legal advice. Nothing we provide is a recommendation, offer, or solicitation to buy, sell, or hold any security, digital asset, derivative, or other instrument. We do not act as your fiduciary, adviser, agent, or broker, and no advisory relationship is created by your use of the Services.

3.4 We do not manage money, place orders, execute trades, or handle client funds or assets in any circumstance.

4. No personalized advice

4.1 All of our material is general in nature. It is not tailored to your financial situation, objectives, needs, or risk tolerance, and we do not assess whether anything discussed is suitable or appropriate for you.

4.2 This applies equally to interactive settings. In classes, Discord threads, comments, and 1:1 coaching sessions, Instructors teach method, tools, process, and analysis technique. Instructors will not recommend specific instruments for your account, review your portfolio and tell you what to buy or sell, size a position for you, or give guidance based on your personal financial circumstances. If you ask for that, the Instructor will decline. Any general example discussed in your presence is an illustration of method and not a recommendation to you.

4.3 All information, data, analysis, output, examples, charts, discussions, and answers made available through the Services are provided for general educational and informational purposes only and do not constitute, and must not be interpreted or relied upon as, financial, investment, trading, tax, accounting, or legal advice, or as a recommendation, offer, or solicitation to buy, sell, or hold any security, digital asset, derivative, or other instrument. Nothing made available through the Services is personalized advice or is tailored to your financial situation, objectives, needs, or risk tolerance, and you must not interpret any discussion, example, chart, answer to a question, or other output as personalized advice or rely on it as such. You are solely responsible for evaluating the merits and risks of any information provided and for all decisions you make. We strongly recommend that you seek independent financial, investment, trading, tax, accounting, and legal advice from appropriately licensed or qualified professionals in your jurisdiction, and conduct your own due diligence, before making any financial or trading decision or otherwise acting on anything made available through the Services.

5. Assumption of risk and absence of guarantees

5.1 Trading and investing carry substantial risk, including total loss of capital. Leveraged instruments, options, futures, and digital assets can produce losses exceeding your initial outlay. Digital assets are especially volatile and may become worthless or illiquid.

5.2 Past performance does not indicate or guarantee future results. Any illustrative, hypothetical, or backtested figure has inherent limitations, benefits from hindsight, and does not represent actual trading.

5.3 We make no guarantee of any financial outcome, and no guarantee that any strategy, tool, indicator, screen, or analysis will be profitable, accurate, or suitable.

5.4 You are solely responsible for every financial decision you make and for its consequences. You should consult a licensed professional in your jurisdiction before acting.

6. Accounts

6.1 Accounts are for one individual, except for subscribers of the “Institutional” plan (as that plan is named and described on the store page and Patreon benefits page) which includes a defined number of authorized seats. Each authorized user under an Institutional plan must have a separate set of credentials and a separate sub-account, and the account holder may not permit any person other than the designated authorized users to access the Services under the plan. The account holder is responsible for all activity by authorized users and for ensuring their compliance with these terms. For all other tiers, you may not share, sell, transfer, or provide access to your account, and you may not permit anyone else to use credentials issued to you. This applies to every tier, including any tier whose name suggests organizational use.

6.2 You must provide accurate information, keep your credentials secure, and tell us promptly at hello@tradingapologist.com if you suspect unauthorized use. You are responsible for activity under your account.

6.3 TradingView indicator access is issued to a single TradingView username that you supply. You are responsible for the accuracy of that username. If you change it, tell us so we can reissue access. Access is granted and revoked automatically based on your active membership or subscription.

7. Acceptable use

7.1 You may not:

(a) share credentials or indicator access with anyone, or use another person’s; (b) scrape, crawl, harvest, or use automated means to access or extract from the Services; (c) query the AI Trading Desk programmatically, or through any interface other than the one we provide; (d) resell, redistribute, sublicense, or commercially exploit our content, indicator code, screener results, or Desk output; (e) reverse-engineer, decompile, disassemble, or attempt to derive the source, logic, or parameters of our indicators, screener, or Desk, except in the case of any script whose source code we have chosen to publish openly, and except to the extent this restriction is prohibited by law; (f) use our output to build, train, or improve a competing product or any machine learning model; (g) circumvent access controls, usage limits, paywalls, or free-tier quotas; (h) upload malware, interfere with the Services, or attempt unauthorized access to any system or account; (i) use the Services for unlawful purposes, including market manipulation, or to distribute material non-public information; (j) present our output as your own, or as the output of a licensed professional; (k) breach the community rules (the “Community Rules”), which are published in the Discord server and form part of these terms.

7.2 We may investigate suspected breaches and take any action we consider appropriate, including the measures in Section 12 of Part A.

8. Intellectual property and your licence

8.1 All Services and their contents, including course materials, slides, recordings, videos, written analysis, indicator code, screener logic, the AI Trading Desk and its outputs, and all trademarks and branding, are owned by TA or licensed to us, and are protected by intellectual property law.

8.2 We grant you a personal, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services and their output for your own personal or internal business purposes for as long as your access remains active and you comply with these terms. You may not commercially exploit, resell, redistribute, or sublicense our content or output, and you may not use it to provide services to third parties. No other rights are granted.

8.3 You may share screenshots of AI Trading Desk charts and output publicly, provided you do not remove or obscure any watermark or attribution, do not present the output as your own, and include a clear statement that the output is educational and not financial advice. We would appreciate a link to tradingapologist.com. You may not systematically republish our output, and you may not redistribute indicator code or screener logic in any form.

8.4 You may not record or reproduce classes, coaching sessions, or private community sessions without our prior written consent.

8.5 Access to indicators is delivered through TradingView, a third party we do not control. Your use of TradingView is governed by TradingView’s own terms, and your rights in any script are additionally subject to the access type under which we published it.

8.6 Free scripts. We publish some indicators on TradingView at no charge. They are free to use on TradingView under that platform’s terms, and no purchase or membership is required. Making a script freely available does not transfer ownership of it, does not grant you rights to republish or resell it or to distribute derivative works commercially, and does not extend to any other part of the Services. Where we have published a script’s source code openly, section 7.1(e) does not apply to that script.

8.7 Scope of these terms. Sections 3, 4, 5, 13, 14, 15, and 16 apply to all of our output wherever you encounter it, including on YouTube, Discord, TradingView, and any other platform where we publish. Free access is still access. If you use anything we produce, the educational-purpose, no-advice, risk, disclosure, and liability provisions apply to you whether or not you have an account with us.

9. Your content

9.1 “Your Content” means anything you post or upload to our community spaces or into the Services, including Discord messages and images, uploaded charts and documents, trade journal entries, watchlists, comments on our videos and posts, and any feedback you send us.

9.2 You keep ownership of Your Content. You grant TA a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, sublicensable licence to host, store, reproduce, adapt, display, create derivatives, and distribute Your Content for the purposes of operating, improving, and promoting the Services.

9.3 That licence includes the right to quote or reproduce testimonials, reviews, and public comments you make about us in our marketing. If we intend to use your name, handle, or image alongside a testimonial, we will ask you first.

9.4 You are responsible for Your Content. You confirm you have the right to post it, that it does not infringe anyone’s rights or contain material non-public information, and that it complies with the Community Rules. We may remove content or restrict posting at our discretion, and we are not obliged to monitor or store it.

9.5 Do not post your own or anyone else’s personal or account information in community spaces. Redact brokerage screenshots.

10. Purchases, billing, and cancellation

10.1 Products sold directly through our store are sold by Onelink, LLC as merchant of record (see section 10.10), billed monthly, and renew automatically at the then-current price until cancelled. Prices displayed on the store are in US dollars and exclude sales tax, VAT, and GST, which are calculated from your billing address and added at checkout; your card may be charged in your local currency at the payment processor’s exchange rate. Receipts, invoices, and any credit notes are issued to you by Onelink rather than by us. You can manage or cancel a store subscription either from your account page or from Onelink’s order-management site at https://link.com. Coaching sessions are not sold through the store: they are scheduled through Calendly (https://calendly.com/) and paid for through PayPal or Stripe, with TA LLC as the seller. Coaching fees are nonrefundable, but sessions may be rescheduled if you cancel at least twenty-four (24) hours before the scheduled session. Fees for sessions cancelled after that deadline or not attended are forfeited to TA. Patreon memberships are billed monthly or annually by Patreon under Patreon’s own terms, and Patreon handles that billing, including any trial and any refund.

10.2 Fees are non-refundable, except (a) where you have a mandatory statutory right of withdrawal, cancellation, refund, or cooling-off that cannot lawfully be waived, in which case that right prevails to the extent required by the law applicable to you, and (b) as described in the next sentence. Because store purchases are sold by Onelink, LLC as merchant of record, Onelink may grant a refund on a store purchase within sixty (60) days of the transaction at its own discretion, including to resolve a payment dispute, and it applies any cooling-off period that the law of your country requires. Refund requests for store purchases can therefore be made to Onelink support as well as to us. A refund includes any tax you paid. If you are a consumer in the European Economic Area or the United Kingdom, you may have a right to withdraw from your purchase within fourteen (14) days of your acceptance of these terms, without giving any reason. Where you expressly request that we begin providing the Services, or supply digital content to you, before that period ends, you acknowledge that (a) for services, you will be charged for the Services actually provided up to the point you withdraw, and (b) for digital content supplied immediately with your prior express consent and acknowledgement, your right of withdrawal is lost once supply has begun. You may cancel any recurring subscription at any time from your billing portal, using the same medium through which you subscribed, without obstruction or additional steps. Cancellation takes effect at the end of the current paid period, you keep access until then, and we do not prorate, in each case subject to any mandatory right described above. For one-time purchases such as coaching sessions, fees are nonrefundable, but sessions may be rescheduled if you cancel at least twenty-four (24) hours before the scheduled session. Fees for sessions cancelled after that deadline or not attended are forfeited to TA.

10.3 We may change prices and plan features on reasonable notice. We will give you at least thirty (30) days’ notice of any price increase affecting your active subscription, and the new price will take effect from your next renewal after the notice period expires.

10.4 What we sell, and what your tier includes. Indicators are sold mainly as bundles, but some are sold only as standalone purchases and are not part of any bundle and not included at any membership tier. Access to the AI Trading Desk and to the market screener is priced separately from indicators and is not included in an indicator purchase. We also publish some indicators free on TradingView, which anyone with a TradingView account may use without any purchase or membership. The store page and the Patreon benefits page are the authoritative sources for what is currently offered, at what price, and what each tier includes. Not every product is available at every tier, and holding a membership does not entitle you to a product we sell separately unless the benefits page says it does.

Bundle composition may change as indicators are added, revised, or retired under this section. Your entitlement is to the bundle as we offer it from time to time, not to a fixed set of indicators, and adding a new indicator to our range does not add it to a bundle you already hold unless we say so.

10.5 Promotional pricing is offered occasionally and is available only during the stated period and on the stated terms. Complimentary or gifted access is granted at our discretion, is personal to the recipient, carries no refund or cash value, and may be withdrawn at any time.

10.6 Legacy pricing. Where we have grandfathered you onto a rate no longer offered to new customers, that rate applies only while your subscription or membership remains continuously active. If it lapses, is cancelled, or fails for non-payment, the legacy rate is lost and any new subscription is at then-current pricing.

10.7 Overlapping entitlements. Some benefits are available both through a Patreon membership and by direct purchase. If you hold both, you receive the benefit once. We do not refund, credit, or offset a direct purchase because the same benefit later became available through your membership tier, or the reverse. Check what your tier already includes before purchasing.

10.8 Timing of access. Indicator access for Patreon members continues for three days after a Patreon membership ends. Access purchased directly through our store continues until the end of the current paid period on voluntary cancellation, and ends immediately on non-payment or lapse. Patreon tier changes, including upgrades, can take up to 24 hours to take effect, because our access system reads membership status from Patreon’s API, which refreshes once per day. These timings are operational limits and not grounds for a refund or credit.

10.9 Chargebacks or reversed payments will result in immediate suspension. For store purchases, payment disputes are handled by Onelink, LLC as merchant of record; if a dispute is resolved in your favour we restore your access. Raising a chargeback rather than contacting support first delays resolution, because we cannot reinstate access until the dispute closes.

10.10 Merchant of record and taxes. Products bought through our store are sold to you by Onelink, LLC as merchant and seller of record. This means Onelink, not TA LLC, takes on the sale to you and is responsible for collecting, reporting, and remitting sales tax, VAT, and GST on that sale in the jurisdictions where it does so, and for payment processing, fraud screening, payment disputes, and transaction-level support. Your bank or card statement will show a descriptor beginning LINK.COM*. TA LLC remains responsible for the Services themselves — what the products do, whether they are available, and product-level support — and these terms continue to govern your use of them.

Where Onelink does not handle tax compliance for a particular country, you will receive an invoice issued under our business name and tax details instead, and any tax shown on it is charged by us.

Nothing in this section is tax advice to you. If a purchase has tax consequences for you or your business (for example, if you are registered for VAT or GST and intend to recover input tax), that is a matter for you and your own adviser, using the invoice you receive.

11. Availability, changes, and third-party dependencies

11.1 We provide the Services on an “as is” and “as available” basis. We do not guarantee uninterrupted or error-free operation, and we do not commit to any uptime level.

11.2 We may add, modify, suspend, or discontinue any part of the Services at any time, including retiring an indicator, changing screener criteria, or removing a Desk capability, without liability to you. Where a change materially reduces what you have paid for, your sole and exclusive remedy is to cancel under Section 10.

11.3 Parts of the Services depend on third parties we do not control, including TradingView, Patreon, Discord, Stripe, Microsoft Azure, Interactive Brokers, and market data and news sources. Interruption, policy change, price change, or discontinuation by any of them may affect or end your access, and we are not liable for that. We do not endorse third-party platforms or any content on them.

11.4 Market data, news, and other third-party information presented in the Services may be delayed, incomplete, or inaccurate. It is not intended for trading execution and should not be relied on as a system of record. Always verify against your broker.

12. Suspension and termination

12.1 We may suspend or terminate your access, with or without notice, if you breach these terms or the Community Rules, if we reasonably suspect fraud or credential sharing, if payment fails or is reversed, or if we are required to by law.

12.2 You may stop using the Services at any time and cancel under Section 10.

12.3 On termination, your licence ends immediately and you must stop using our materials. Sections 3, 4, 5, 7, 8, 9, 10, 13, 14, 15, 16, 17, and 18 survive.

12.4 We do not refund fees on termination for breach.

13. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE ACCURATE, RELIABLE, COMPLETE, TIMELY, SECURE, OR UNINTERRUPTED, OR THAT ANY DEFECT WILL BE CORRECTED.

14. Limitation of liability

14.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER TA NOR ITS OWNERS, EMPLOYEES, CONTRACTORS, INSTRUCTORS, OR AFFILIATES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST OPPORTUNITY, LOST DATA, OR TRADING OR INVESTMENT LOSSES, HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR RELATING TO THE SERVICES.

14.2 TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF THE FEES YOU PAID US FOR THE SERVICES IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED U.S. DOLLARS.

14.3 Nothing in these terms excludes liability that cannot lawfully be excluded, including for fraud or fraudulent misrepresentation, or for death or personal injury caused by negligence.

15. Indemnity

To the extent permitted by law, you agree to indemnify and hold harmless TA and its owners, employees, contractors, Instructors, agents and affiliates against claims, losses, liabilities, damages, regulatory inquiries or proceedings, and reasonable expenses, including reasonable legal fees, arising out of your use of the Services, your trading or investment decisions, Your Content, your breach of these terms, or your infringement of any third-party right.

16. Compensation and disclosure

16.1 We do not currently operate an affiliate or referral program and do not currently accept payment from any issuer, project, exchange, protocol, or token in exchange for coverage.

16.2 If that changes, we will disclose the arrangement clearly and prominently wherever the relevant content appears.

16.3 Instructors may buy, sell, or hold long or short positions in securities, digital assets, derivatives, or other instruments discussed in the Services, including before, during, and after discussion. Instructors are not obliged to disclose specific positions, and you should assume that any instrument discussed may be held by an Instructor, and that our discussion of it may create a conflict of interest.

17. Governing law and disputes

17.1 Governing law. These terms, and any dispute or claim arising out of or relating to them or the Services, are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws principles. To the extent any dispute is not subject to arbitration under Section 17.2, you and TA irrevocably consent to the exclusive jurisdiction of the state and federal courts located in Sheridan County, Wyoming, subject to the mandatory consumer forum protections described in Section 17.4.

17.2 Binding arbitration. Before initiating arbitration, you and TA agree to attempt to resolve any dispute informally by contacting the other party and describing the claim. You must send your notice to hello@tradingapologist.com, and we will send ours to the email on your account. If the dispute is not resolved within sixty (60) days after the notice is received, either party may proceed to arbitration. To the maximum extent permitted by law, any dispute, claim, or controversy arising out of or relating to these terms or the Services shall be resolved exclusively by final and binding arbitration, rather than in court. If the dispute is not resolved informally, the arbitration shall be administered by the American Arbitration Association under its Consumer Arbitration Rules then in effect, conducted by a single arbitrator, and seated in Sheridan, Wyoming, or, at your election, conducted remotely. The arbitrator shall apply the substantive law of the State of Wyoming. Judgment on the award may be entered in any court of competent jurisdiction.

17.3 Class action waiver. You and TA agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding, whether in arbitration, in court, or in any other forum. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of class or representative proceeding. This class action waiver applies regardless of whether arbitration is found enforceable. If this class action waiver is found to be unenforceable as to any claim, that claim shall be severed and resolved in court, while all other claims remain subject to arbitration.

17.4 Exceptions. Nothing in this section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property or confidential information, or from bringing an individual claim in small-claims court where the claim qualifies. Where arbitration does not apply, each party irrevocably submits to the exclusive jurisdiction of the state and federal courts located in Sheridan County, Wyoming.

18. General

18.1 If any provision is held unenforceable, the rest remains in effect and the unenforceable provision is limited to the minimum extent necessary.

18.2 These terms, together with the Privacy Policy (the “Privacy Policy” means the privacy policy set out in Part C of this document) and the Community Rules, are the entire agreement between us about the Services.

18.3 You may not assign these terms. We may assign them freely, including in connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets, or to any affiliate or successor entity.

18.4 Our failure to enforce any provision is not a waiver of it.

18.5 We are not liable for failure or delay caused by events beyond our reasonable control, including outages at third-party providers.

18.6 We will send notices to the email on your account. Send notices to us at hello@tradingapologist.com.

18.7 These terms are written in English. Any translation is provided for convenience and the English version controls.

19. Changes to these terms

We may update these terms. If a change is material, we will give notice by reasonable means, such as in-product notice or email. For paid subscribers, material changes take effect at your next renewal. For all other users, material changes take effect thirty (30) days after notice is given. Continued use after the applicable effective date constitutes acceptance. If you do not agree to the updated terms, you may cancel your account before the change takes effect. The current version, with its effective date, is always available on this page, and we keep prior versions available on request.

20. Contact

hello@tradingapologist.com TA, LLC, 30 N Gould St, Ste R, Sheridan, WY 82801, United States

Part B. AI Trading Desk Supplemental Terms

These terms apply in addition to Part A when you use the AI Trading Desk (the “Desk”), including the free tier.

1. What the Desk is

1.1 The Desk provides AI-generated market-structure analysis, charting, and educational information. It advises no one and manages nothing. It does not place, execute, route, cancel, or manage orders, and it cannot move funds or transact on any account.

1.2 No Desk output, including but not limited to any ENTER, EXIT, HOLD, or WAIT read and any entry, invalidation, or target level, is a recommendation or solicitation to buy, sell, or hold anything. “ENTER,” “EXIT,” “HOLD,” and “WAIT” (collectively, “Directional Reads”) or any conclusion or “directional reads” describe the state of a chart under our analytical framework. They are not instructions or financial advice to you.

1.3 The Desk covers equities, options, futures, foreign exchange, and digital assets. Coverage varies and may change.

2. How the analysis is generated

This section describes an operating constraint we hold ourselves to, and it should be read alongside Sections 3 and 4 of Part A.

2.1 Desk analysis is generated from the instrument you ask about, together with chart and market data, publicly available fundamental and news data, and derivatives data such as open interest concentration.

2.2 Desk analysis is not generated from your holdings. It does not take account of your positions, cost basis, account size, income, net worth, investment objectives, risk tolerance, time horizon, experience, or any other personal or financial circumstance. Two users asking about the same instrument in the same conditions receive materially the same analysis. The Desk produces general analysis of instruments, not analysis of you.

2.3 We do not collect suitability information, and we do not profile you for the purpose of generating analysis.

2.4 No Desk output is sized to your account. The Desk does not tell you how much to buy or sell, what share of a portfolio to allocate, or whether anything is suitable for you.

2.5 Certain features accept figures you type in for a single run, such as a comparison amount or a scenario parameter in the comparator. Those figures are used only to produce that one output, are not saved to your profile, and do not draw on your connected account data.

3. Connected accounts are read-only

3.1 You may connect a brokerage account, exchange, or wallet. We currently support Interactive Brokers Flex Queries, Trading 212 read-only API keys, file-based data exports (including transaction-history exports from UK brokers), and read-only wallet addresses. We do not use a third-party account aggregator. We are not responsible for the accuracy, completeness, or timeliness of data received from your broker, exchange, or wallet, and you should verify all connected account data against your provider’s records.

3.2 Any connection is strictly read-only. It exists solely to power portfolio tracking, journaling, watchlists, and alerts. The Desk cannot trade, transfer, withdraw, or otherwise act on a connected account, and we never ask for and never want your broker or exchange login credentials. We are not responsible for the accuracy, completeness, or timeliness of data received from your broker, exchange, or wallet, and you should verify all connected account data against your own records.

3.3 Connected account data is used only for those tracking and journaling features. It is not passed into the analysis engine and does not influence Desk analysis. See section 2.2.

3.4 Alerts operate on instruments and price levels you configure. They are not tailored recommendations about your holdings.

3.5 You are responsible for the credentials and tokens you provide, for keeping any connection within the terms of your broker or exchange, and for revoking a connection you no longer want. Interactive Brokers Flex Query tokens and Trading 212 API keys grant read access to your account data and should be treated as sensitive. We store them as described in Section 10 of Part C.

4. Limits of AI output

4.1 Desk analysis is generated by automated models and may be incomplete, outdated, or wrong. Models can misread charts, misstate facts, and produce confident but incorrect conclusions.

4.2 We make no warranty as to the accuracy, completeness, timeliness, or fitness of any output, and no output predicts or guarantees any result.

4.3 You are solely responsible for independently verifying anything the Desk produces before acting on it. Do not use the Desk as your only source of information, and do not use it as a system of record for your positions or performance.

4.4 Features may be released in beta or experimental form. Beta features are provided on an “as is” basis with no assurance of accuracy, reliability, or continuity. We may modify, suspend, or withdraw any beta feature at any time without notice. Beta features may produce results that are materially different from, or less reliable than, production features. Your use of any beta feature is at your sole risk, and we disclaim all liability arising from your use of or reliance on beta feature output to the maximum extent permitted by law. Withdrawal of a beta feature does not constitute a material reduction of the Service. See Section 11.2 of Part A.

5. Free tier and usage limits

5.1 We offer a free tier with a limited allowance of full analyses and limited daily chat, available after you create an account. These terms apply to free-tier use in full.

5.2 Usage allowances on all tiers may change. We may apply rate limits and may restrict or suspend access for usage that degrades the Services for others.

6. Your Desk data

6.1 Journals, portfolios, watchlists, and alert settings you create belong to you and are covered by Section 9 of Part A and by the Privacy Policy. You may export or delete them as described in Part C.

6.2 You are responsible for the information you enter into the Desk. We design the Desk to avoid processing or ingesting personal, financial, or confidential data into the AI system, and we ask that you not submit such information into prompts or other inputs (see Section 4.3 and Part C, Section 4.4). You are solely responsible for anything you input into the Desk, and for ensuring your inputs comply with these terms. We make no representation or warranty regarding, and accept no liability for, any output produced from inputs that circumvent, evade, or defeat our safeguards, filters, or other controls, or that include information we have asked you not to provide. This does not limit any of the disclaimers or limitations of liability in Section 4 of this Part B or in Sections 13 through 15 of Part A.

Part C. Privacy Policy

Effective 08.06.26

1. Who is responsible for your data

TA LLC, doing business as Trading Apologist, 30 N Gould St, Ste R, Sheridan, WY 82801, United States, is the controller of the personal data described here. Contact us at hello@tradingapologist.com.

2. What we collect

2.1 Newsletter. Your email address, and your name if you give it. Signup uses double opt-in. We also send product and promotional emails to existing customers, including notifications of new features and sales for indicator and tool purchasers, and post notifications for Patreon members. Email is delivered through our own self-hosted email infrastructure with unsubscribe options in every message.

2.2 Patreon membership. From Patreon, we receive your name, email address, mailing address (if provided), membership tier, and membership status, so we can deliver member benefits and grant indicator access.

2.3 Indicator and screener access. Your TradingView username, and your subscription or membership status.

2.4 AI Trading Desk. Your account email and the identity we receive from the sign-in provider you choose, being Google, Microsoft, or Patreon, which typically means your name, email address, and a provider account ID. The tickers, prompts, and chart requests you submit. The data you create in the product, including trade journals, portfolios and positions, watchlists, and alert settings. If you connect a brokerage, exchange, or wallet, the holdings and account data we receive on a read-only basis, and the connection token or address you provide.

2.5 Purchases. For store purchases, Stripe and Onelink, LLC collect and process your payment card details, name, and billing address directly, as merchant of record — Onelink needs your name and billing address to determine the correct tax, and it is the party sending you receipts and invoices. Store purchasers may also be offered a Onelink account for managing their orders, which is created with Onelink and governed by Onelink’s own terms and privacy notice. For coaching purchases, Stripe or PayPal collects and processes your payment details directly, with TA LLC as the seller. We do not receive or store full card numbers or PayPal account credentials. We receive the fact of payment, the subscription status, the billing address information you provide at checkout, and limited billing metadata from each provider.

You can ask Onelink to delete the information it holds about your store transactions. If you do, Onelink will cancel any subscriptions sold to you through it and delete the associated transaction records, including the copies held in our payment account — which means we will lose the billing history for those purchases and, in most cases, the access they granted will end.

2.6 Community and content. Anything you post in Discord or in comments, including uploaded charts and documents. Discord holds this on its own platform under its own Privacy Policy.

2.7 Coaching sessions. Booking details you provide through Calendly, and anything you choose to share during a session.

2.8 Automatically. Basic usage, log, and device information needed to operate, secure, and troubleshoot the Services, and cookie data as described in section 7.

2.9 What we do not collect. We do not collect suitability information such as income, net worth, risk tolerance as a stored profile attribute, or investment objectives. We do not ask for and do not want your broker or exchange login password.

3. Why we use it, and our legal basis

We do not sell or rent your personal information. Where we use remarketing or advertising tools, such as Google Ads or Meta Ads pixels, data may be shared with those providers for the purpose of serving targeted advertisements, subject to your cookie consent preferences as described in Section 7. We do not otherwise use your personal information for cross-context behavioral advertising.

4. AI processing

4.1 Desk analysis is generated using large language models hosted on Microsoft Azure. We may change model providers within that environment over time. A current list of processors is available on request from hello@tradingapologist.com.

4.2 We send the model the instrument, chart, market, and news data relevant to your request, together with the prompt text you write. We do not send your holdings, portfolio values, journal entries, or connected account data into the analysis engine.

4.3 Under our agreement with Microsoft, prompts and generated content are not used to train Microsoft’s, OpenAI’s, or any third-party foundation models. Prompts and completions may be retained by the service for up to 30 days for abuse monitoring, debugging, and service reliability, within our Azure region, and are not accessible to other customers or to model providers.

4.4 Do not type personal, financial, or confidential information into Desk prompts. The prompt field is for market questions.

4.5 Desk output is automated, and it is analysis rather than a decision about you. We do not use automated processing to make decisions that produce legal or similarly significant effects concerning you.

5. Connected accounts

If you connect a brokerage, exchange, or wallet, we receive holdings and related account data on a strictly read-only basis and use it only for portfolio tracking, journaling, and alerts. It is not used to generate analysis, is not shared with model providers, and is not sold or disclosed for advertising. You can disconnect at any time, and doing so stops further collection.

6. Who we share it with

We share personal data only with providers who process it to deliver a service to us, each bound to use it only for that purpose: Stripe and PayPal for billing and payments; Onelink, LLC as merchant of record for store purchases, which acts as the seller in its own right rather than only on our behalf (see Part A, section 10.10); Google, Microsoft, and Patreon for account sign-in; Patreon for membership status; Microsoft Azure for hosting, infrastructure, and AI processing; Resend for email delivery; Google Analytics for website analytics; Google Ads and Meta Ads for remarketing and advertising measurement; Cloudflare for security, content delivery, and bot protection on our signup form; CookieYes for cookie consent management; Discord for community hosting; TradingView for indicator delivery; and Calendly for coaching bookings. We also work with contractors who support indicator development and training, under confidentiality obligations, and who access user data only where necessary.

We may also disclose data where required by law, to enforce our terms, to protect rights and safety, or in connection with a merger, acquisition, or sale of assets.

7. Cookies, analytics, and advertising tags

7.1 We use cookies and similar technologies for the following purposes: (a) strictly necessary cookies for site functionality and security; (b) analytics cookies, including Google Analytics, to understand how users interact with the Services; and (c) advertising and remarketing cookies, including Google Ads and Meta Ads pixels, to measure campaign effectiveness and serve relevant advertisements. Cookie preferences are managed through CookieYes, where you can review and change your preferences at any time. Where consent is required, non-essential cookies and tracking tags are not set until you give it.

7.2 Cloudflare Turnstile runs on our signup form to distinguish humans from bots and may set a short-lived verification token. This is a security function.

8. Where your data is held

Our application and data are hosted in Microsoft Azure’s US East region, with no replication outside that region. If you are in the European Economic Area, the United Kingdom, or Switzerland, your data is transferred to and processed in the United States. We rely on applicable transfer mechanisms, including standard contractual clauses approved by the European Commission and the UK Information Commissioner’s Office, to provide adequate safeguards for such transfers. Details of the safeguards in place are available on request from hello@tradingapologist.com.

9. How long we keep it

9.1 Newsletter data is kept until you unsubscribe.

9.2 Account and Desk data, including journals, watchlists, and portfolio history, is kept while your account is active and for up to twelve months after it closes, after which it is deleted.

9.3 You can ask us to delete your data sooner, and we will, subject to Section 9.4.

9.4 Billing, tax, and accounting records are kept for as long as the law requires, and we may retain limited records needed to resolve disputes, enforce our terms, or meet security obligations.

9.5 Broker, exchange, and wallet connection tokens are deleted when you disconnect or when your account closes, whichever is first.

10. Security

We protect data with encryption in transit and at rest and with access controls proportionate to sensitivity. Sensitive credentials, including any broker, exchange, or wallet connection token, are held under per-user envelope encryption backed by a managed key vault and are never stored in plaintext. No method of transmission or storage is perfectly secure, and we cannot guarantee absolute security. In the event of a breach affecting your personal data, we will notify you and any applicable regulatory authority as required by law.

11. Your rights

11.1 Depending on where you live, you may have the right to access, correct, delete, and receive a portable copy of your personal data, to object to or restrict certain processing, to withdraw consent at any time, and to lodge a complaint with your data protection authority. If you are in the EEA, you may lodge a complaint with the supervisory authority in your member state of residence. If you are in the United Kingdom, you may contact the Information Commissioner’s Office (ico.org.uk).

11.2 If you are in California, the California Online Privacy Protection Act (“CalOPPA”) requires that we disclose our data practices, which are described in this policy. We comply with CalOPPA by conspicuously posting this privacy policy, identifying the categories of personal information we collect, and describing how we respond to “do not track” browser signals. We do not currently respond to “do not track” signals because there is no industry-standard protocol. We do not sell, rent, or share personal information. Where remarketing or advertising tools are active and you have consented to their use, limited data may be shared with advertising providers as described in Sections 3 and 7.

11.3 To exercise any right, email hello@tradingapologist.com. We will respond within the time the law requires. We will not discriminate against you for exercising your rights.

12. Age

The Services are for adults. We do not knowingly collect personal data from anyone under 18. If you believe a minor has given us data, contact us and we will delete it.

13. Changes

We may update this policy. The current version, with its effective date, always lives on this page. If a change is material, we will give notice by reasonable means, and the change will take effect thirty (30) days after notice is given. If you do not agree with the change, you may close your account before it takes effect.

14. Contact

hello@tradingapologist.com TA LLC, 30 N Gould St, Ste R, Sheridan, WY 82801, United States

Questions about these terms or your data? Reach out at hello@tradingapologist.com.