T
TradePlanner.ai

Terms of Service

Effective Date: March 11, 2026

Last Updated: March 11, 2026

These Terms of Service ("Terms") govern your access to and use of TradePlanner.ai ("Trade Planner," "the Service," "we," "us," or "our"), a product of Pearl Street Capital, doing business as (d/b/a) TradePlanner.ai. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to all of these Terms, do not use the Service.

1. Acceptance of Terms

By creating an account, accessing, or using any part of the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. These Terms constitute a legally binding agreement between you and Pearl Street Capital, d/b/a TradePlanner.ai.

2. Description of Service

Trade Planner is an AI-powered trading journal and analytics platform. The Service may include, but is not limited to:

  • Trade logging and import (via CSV upload or brokerage connections through SnapTrade)
  • AI-powered trade categorization and pattern recognition
  • Performance analytics, charts, and reporting
  • AI coaching insights and recommendations
  • Tilt detection and behavioral analysis
  • Educational content and blog articles

The Service is designed to help you organize, reflect on, and learn from your trading activity.The Service is a journaling and educational tool — nothing more.

3. NOT FINANCIAL ADVICE — IMPORTANT DISCLAIMER

THE SERVICE DOES NOT PROVIDE FINANCIAL ADVICE, INVESTMENT ADVICE, TRADING ADVICE, TAX ADVICE, LEGAL ADVICE, OR ANY OTHER FORM OF PROFESSIONAL ADVICE.

Trade Planner is not a registered investment advisor, broker-dealer, financial analyst, financial planner, or financial institution.No content, feature, analysis, report, recommendation, coaching insight, AI output, or any other information provided through the Service should be construed as a recommendation to buy, sell, hold, or otherwise transact in any security, financial product, or instrument.

Any references to specific securities, asset classes, trading strategies, or market conditions are for educational and informational purposes only and do not constitute a solicitation, recommendation, endorsement, or offer to buy or sell any security or financial product.

You are solely responsible for your own investment and trading decisions. You should consult with a qualified, licensed financial advisor or other appropriate professional before making any financial decisions. Past performance is not indicative of future results. Trading securities involves substantial risk of loss, including the potential loss of your entire investment.

4. No Liability for Trading Decisions or Outcomes

Trade Planner, Pearl Street Capital, and their respective officers, directors, employees, agents, affiliates, and licensors (collectively, the "Trade Planner Parties") shall not be liable for any trading decisions you make, any trades you execute, or any financial outcomes — whether profitable or loss-generating — that result from, are related to, or are in any way connected with your use of the Service.

This includes, without limitation:

  • Decisions influenced by AI-generated insights, coaching reports, recommendations, pattern analysis, or categorizations provided by the Service.
  • Decisions based on trade data, analytics, charts, or any other information displayed within the Service.
  • Losses incurred due to errors, inaccuracies, or omissions in data imported from brokerages, CSV files, or any other source.
  • Losses incurred due to delayed, incomplete, or inaccurate market data from third-party providers.
  • Any reliance on tilt detection, behavioral analysis, or performance metrics provided by the Service.

You acknowledge and agree that all trading and investment decisions are made at your own risk and discretion, and the Trade Planner Parties bear no responsibility whatsoever for any consequences of those decisions.

5. AI-Generated Content Disclaimer

The Service uses artificial intelligence (including large language models) to generate trade categorizations, coaching insights, recommendations, and other analysis. AI-generated content:

  • May contain errors, inaccuracies, or hallucinations. AI systems can produce incorrect or misleading outputs.
  • Is not a substitute for professional judgment. AI insights are algorithmic pattern matching, not expert financial advice.
  • Should never be the sole basis for any trading or investment decision.
  • May not reflect current market conditions. AI models may not have access to real-time data.

You agree that you will independently verify any AI-generated insight, recommendation, or analysis before acting on it, and that the Trade Planner Parties are not responsible for any reliance you place on AI-generated content.

6. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

7. Account Responsibilities

  • You are responsible for maintaining the confidentiality of your account credentials.
  • You are responsible for all activity that occurs under your account.
  • You agree to notify us immediately of any unauthorized use of your account.
  • We reserve the right to suspend or terminate accounts that violate these Terms.

8. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
  • Attempt to gain unauthorized access to any part of the Service, other users' accounts, or any systems or networks connected to the Service.
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service.
  • Use automated means (bots, scrapers, etc.) to access or collect data from the Service without our express written consent.
  • Upload malicious code, viruses, or any other harmful content.
  • Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
  • Use the Service to redistribute, republish, or resell any part of the Service or its content.
  • Interfere with or disrupt the integrity or performance of the Service.

9. Brokerage Connections (SnapTrade)

If you choose to connect a brokerage account through our integration with SnapTrade, you acknowledge and agree that:

  • The connection is facilitated by SnapTrade, a third-party service. Your use of SnapTrade is subject to SnapTrade's own terms of service and privacy policy.
  • We do not receive or store your brokerage login credentials. Authentication is handled entirely by SnapTrade.
  • We are not responsible for any errors, delays, or issues arising from the SnapTrade integration or your brokerage provider.
  • Trade data imported via brokerage connections may be incomplete, delayed, or contain errors. You are responsible for verifying the accuracy of imported data.
  • We are not affiliated with, endorsed by, or sponsored by any brokerage firm.

10. Intellectual Property

The Service, including its original content, features, functionality, design, code, trademarks, and logos, is owned by Pearl Street Capital and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You retain ownership of any trade data or personal content you submit to the Service. By submitting content, you grant us a limited, non-exclusive, royalty-free license to use, process, and display that content solely as necessary to provide the Service to you.

11. Third-Party Services and Content

The Service may contain links to or integrate with third-party websites, services, or content (including market data providers, brokerage platforms, and advertising networks). We do not control, endorse, or assume responsibility for any third-party content, services, or practices. Your interactions with third-party services are governed by their respective terms and policies.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR RELIABILITY.

Without limiting the foregoing, the Trade Planner Parties do not warrant that:

  • The Service will be uninterrupted, timely, secure, or error-free.
  • The results obtained from the Service will be accurate, reliable, or complete.
  • Any errors in the Service will be corrected.
  • The Service will meet your specific requirements or expectations.
  • Market data, trade analytics, AI insights, or any other information provided through the Service is accurate, current, or complete.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE TRADE PLANNER PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Loss of profits, revenue, or income (whether actual or anticipated).
  • Loss of data, trade records, or business information.
  • Trading losses, investment losses, or any financial losses of any kind.
  • Loss of goodwill or reputation.
  • Cost of procurement of substitute services.
  • Any other intangible losses.

This limitation applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise), even if the Trade Planner Parties have been advised of the possibility of such damages.

IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE TRADE PLANNER PARTIES EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID TO TRADE PLANNER IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

14. Indemnification

You agree to indemnify, defend, and hold harmless the Trade Planner Parties from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to attorney's fees) arising from:

  • Your use of the Service.
  • Any trading or investment decisions you make.
  • Your violation of these Terms.
  • Your violation of any rights of a third party.
  • Any content you submit, post, or transmit through the Service.
  • Your negligence or willful misconduct.

15. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.

You and Pearl Street Capital agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (collectively, "Disputes") will be resolved through binding individual arbitration, rather than in court, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction.

  • No Class Actions: You agree that any arbitration or litigation will be conducted only on an individual basis and not as a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.
  • Arbitration Rules: Arbitration shall be conducted by a single arbitrator under the rules of the American Arbitration Association (AAA) or JAMS, at your election.
  • Location: Arbitration shall take place in King County, Washington, or at another mutually agreed location.
  • Costs: Each party shall bear its own costs and attorney's fees unless the arbitrator determines otherwise.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Washington, United States, without regard to its conflict of law provisions. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in King County, Washington.

17. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will cease immediately. Provisions that by their nature should survive termination shall survive, including but not limited to Sections 3, 4, 5, 12, 13, 14, 15, and 16.

18. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of the Service after any modification constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service.

19. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

20. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Pearl Street Capital regarding the Service and supersede all prior agreements, understandings, and communications, whether written or oral.

21. Waiver

The failure of Trade Planner to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms shall be effective only if in writing and signed by Pearl Street Capital.

22. Contact Us

If you have any questions about these Terms of Service, please contact us at: