Terms of Service

Last updated: October 22, 2025

Important Disclaimers

Please read these disclaimers carefully before using Trader Buddy

NOT FINANCIAL ADVICE

Trader Buddy and its AI-powered responses do NOT constitute financial, investment, or trading advice. All information provided by the service is for informational and educational purposes only. You should not rely on any information provided by Trader Buddy to make financial decisions.

AI LIMITATIONS & BIAS

AI models can provide biased, incorrect, or misleading information about market conditions, trends, or trading strategies. The AI may hallucinate facts, provide outdated information, or make predictions that do not materialize. Always verify information from multiple sources and consult with qualified financial professionals.

NO LIABILITY FOR LOSSES

Trader Buddy and its operators are NOT responsible for any financial losses, damages, or adverse outcomes resulting from your use of the service. Trading and investing involve substantial risk of loss. By using this service, you acknowledge that you are solely responsible for your trading and investment decisions.

YOUR RESPONSIBILITY

You are responsible for:

  • Conducting your own research and due diligence
  • Understanding the risks of trading and investing
  • Consulting with licensed financial advisors when appropriate
  • Any financial decisions you make based on information obtained through this service

1. Acceptance of Terms

By accessing and using Trader Buddy, you accept and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not use our service.

2. Description of Service

Trader Buddy provides a Chrome extension and backend API service that allows users to interact with multiple AI providers (OpenAI, Anthropic, and Google Gemini) through a unified interface. The service includes:

  • AI-powered chat functionality
  • API key management
  • Usage tracking and analytics
  • Pay-as-you-go billing system

3. User Accounts

Account Creation: You must provide a valid email address and create a password to use the service. You are responsible for maintaining the confidentiality of your account credentials.

Account Security: You are responsible for all activities that occur under your account. Notify us immediately of any unauthorized use.

Age Requirement: You must be at least 18 years old to use this service.

4. Pricing and Payment

Pay-as-you-go Model: Our service operates on a pay-as-you-go basis. $1 equals 100 API calls. Minimum deposit is $3.

Credits: Credits do not expire but are non-refundable once purchased.

Usage Deduction: Each API call to an AI provider deducts from your credit balance according to our pricing structure.

Payment Processing: Payments are processed through Stripe. You agree to Stripe's terms of service.

5. Acceptable Use

You agree NOT to:

  • Use the service for any illegal purposes
  • Attempt to bypass usage limits or billing mechanisms
  • Share your API keys with unauthorized parties
  • Abuse the service through excessive automated requests
  • Reverse engineer or attempt to extract the source code
  • Use the service to generate spam or malicious content
  • Violate the terms of service of the underlying AI providers

6. Intellectual Property

Our Property: The Trader Buddy service, including its code, design, and branding, is our property and protected by intellectual property laws.

Your Content: You retain ownership of any prompts or inputs you provide to the AI. However, these may be processed by third-party AI providers according to their terms.

AI Outputs: AI-generated responses may be subject to the intellectual property policies of the respective AI providers.

7. Third-Party Services

Our service relies on third-party AI providers (OpenAI, Anthropic, Google). You acknowledge that:

  • These providers have their own terms of service and privacy policies
  • Service availability depends on these third-party providers
  • We are not responsible for the content, accuracy, or availability of third-party services
  • These providers may update their models, which could affect response quality or behavior

8. Service Availability

We strive to maintain high service availability but do not guarantee uninterrupted access. We may suspend or terminate the service for maintenance, upgrades, or to address technical issues. We are not liable for any downtime or service interruptions.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

Trader Buddy and its operators SHALL NOT BE LIABLE for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

  • Loss of profits or revenue
  • Trading losses or investment losses
  • Loss of data or information
  • Business interruption
  • Any other commercial damages or losses

Our total liability shall not exceed the amount you paid to us in the three (3) months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless Trader Buddy and its operators from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the service, violation of these terms, or violation of any third-party rights.

11. Data and Privacy

We collect usage data to maintain the service but we do NOT save or store your conversation content. Please refer to our Privacy Policy for detailed information about how we handle your data.

12. Account Termination

By You: You may terminate your account at any time. Unused credits are non-refundable.

By Us: We reserve the right to suspend or terminate accounts that violate these terms or engage in abusive behavior, without refund.

13. Changes to Terms

We may modify these Terms of Service at any time. Material changes will be communicated through the service or via email. Continued use of the service after changes constitutes acceptance of the new terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Trader Buddy operates, without regard to its conflict of law provisions.

15. Contact Information

If you have any questions about these Terms of Service, please contact us through our support channels.

Final Reminder

By using Trader Buddy, you acknowledge that you have read, understood, and agree to these Terms of Service, including all disclaimers regarding financial advice, AI limitations, and liability. You use this service entirely at your own risk.