Ooln Terms & Conditions

Welcome. Please read these Ooln Terms & Conditions (the "Agreement") carefully. This Agreement is a legally binding contract between you and Ooln, Inc. ("Ooln," "we," "us," or "our"), a Delaware corporation.

By accessing or using our Services, you agree to be bound by this Agreement.

These Terms apply exclusively to Ooln's services related to equities and options trading on regulated U.S. securities exchanges. Any future services involving other asset classes will be governed by separate terms.

1. Nature of the Services

1.1 Educational and Behavioral Platform

Ooln is an educational and behavioral analytics platform. Its purpose is to help users:

• Reflect on trading decisions
• Identify behavioral patterns and biases
• Improve discipline and consistency
• Analyze historical performance

1.2 Wendy (AI Assistant)

Wendy does:

• Analyzes historical and user-provided data
• Surfaces behavioral patterns and educational insights
• Engages users through conversational prompts

Wendy does not:

• Execute trades
• Access funds
• Act as a fiduciary
• Make recommendations tailored to your personal financial situation

All outputs from Wendy are informational and educational only.

2. Trading and Financial Risk Disclaimer

IMPORTANT:

2.1 No Investment Advice

Ooln and Wendy do not provide:

• A recommendation to buy, sell, or hold a security
• Personalized investment advice
• A guarantee of performance or outcome

All decisions are made solely by you.

2.2 Risk of Loss

You acknowledge that:

• You may lose some or all of your invested capital
• Options can expire worthless
• Leverage and volatility magnify losses
• Past performance is not indicative of future results

2.3 User Responsibility

You agree that:

• You are solely responsible for your trades and outcomes
• You will not trade with funds you cannot afford to lose
• You will conduct independent research and due diligence

Ooln bears no responsibility for trading losses or decisions made using the Services.

3. AI Technology Disclaimer

3.1 AI Limitations

You acknowledge that AI-generated outputs:

• May be inaccurate, incomplete, or outdated
• Are probabilistic and not deterministic
• Depend on historical data and assumptions
• May change over time as models evolve

3.2 No Guarantees

Ooln makes no guarantees regarding:

• Accuracy of AI insights
• Market outcomes
• Performance improvement
• Suitability for your individual circumstances

You assume all risk associated with relying on AI-generated content.

4. Eligibility and Account Requirements

To use the Services, you must:

• Be at least 18 years old
• Have legal capacity to enter contracts
• Comply with all applicable securities laws

You agree to provide accurate information and maintain account security.

5. Acceptable Use

5.1 Permitted Use

You may use the Services for personal, non-commercial purposes only.

5.2 Prohibited Conduct

You agree not to:

• Reverse engineer or extract proprietary models
• Use automation or scraping tools
• Share or resell access to the Services
• Use the Services to provide advice to others
• Circumvent safeguards or limitations

6. Privacy

Your use of the Services is subject to our Privacy Policy, which explains how conversational data, behavioral data, and platform interactions (including those involving Wendy) are handled.

7. Subscriptions, Fees, and Cancellation

• Subscription fees are billed in advance
• Subscriptions renew automatically unless cancelled
• Fees are non-refundable except where required by law
• You may cancel at any time through account settings

8. User Data and Content

8.1 Trading and Behavioral Data

You grant Ooln permission to process your trading and behavioral data to:

• Provide insights and reflections
• Improve Wendy and the platform
• Generate aggregated, anonymized analytics

8.2 Feedback

Any feedback you provide may be used by Ooln without compensation, subject to the Privacy Policy.

9. Intellectual Property

All intellectual property related to the Services, including Wendy, models, prompts, and outputs, is owned by Ooln or its licensors.

You receive a limited, non-transferable license to use the Services as intended.

10. Third-Party Services

Ooln may integrate with third-party data providers or broker platforms for informational purposes only. Ooln is not responsible for third-party services, data accuracy, or execution.

11. Disclaimers and Limitation of Liability

The Services are provided "AS IS" and "AS AVAILABLE."

To the fullest extent permitted by law, Ooln is not liable for:

• Trading losses
• Reliance on AI outputs
• Indirect or consequential damages
• Service interruptions

Ooln's maximum liability shall not exceed the greater of $100 or fees paid in the prior six months.

12. Indemnification

You agree to indemnify and hold harmless Ooln from claims arising from:

• Your use of the Services
• Your trading decisions
• Your violation of these Terms

13. Termination

Ooln may suspend or terminate access if you violate these Terms or create legal or security risk.

Upon termination, your access ends immediately.

14. Governing Law and Dispute Resolution

These Terms are governed by Delaware law.

Disputes will be resolved through binding arbitration on an individual basis.

15. Changes to Terms

We may update these Terms periodically. Continued use of the Services constitutes acceptance of the updated Terms.

16. Contact

Ooln, Inc.
Email: support@ooln.com
Legal: legal@ooln.com
Address: 13500 Lyndhurst St., Austin, TX 78717