Terms of Service

1. About these terms

These Terms of Service (the “Terms”) are an agreement between you and [LEGAL COMPANY NAME, e.g. Timiun Technologies Limited], registration number [COMPANY REGISTRATION NUMBER], of [REGISTERED ADDRESS] (“Timiun”, “we”, “us”). They apply to the Timiun website, apps and services (together, the “Service”).

By creating an account or using the Service, you confirm that you have read, understood and agree to these Terms, our Privacy Policy and our Risk Notice, which form part of these Terms. If you do not agree, do not use the Service.

2. What Timiun is, and what it is not

Timiun is a software tool. It lets you connect a trading account that you already own at a third-party exchange or broker (an “Exchange”), choose an automated trading strategy (an “Agent”), and choose settings such as a risk level. The Agent then places trades on your Exchange account according to its rules and your settings.

Timiun is not, and does not act as:

• a bank, broker, dealer, exchange, custodian or money transmitter;
• an investment adviser, financial planner or portfolio manager;
• a provider of personal financial, investment, legal or tax advice.

We do not hold, receive or move your money or assets. Nothing in the Service, including Agent descriptions, results, examples, messages or the Agents' “conversations”, is a recommendation to buy or sell anything or a statement that any trade or Agent is suitable for you. The Agents' conversational messages are pre-written descriptions of how each strategy works. You alone decide whether to use the Service, which Agent to use, which settings to choose, and when to start, pause or stop.

3. Who can use Timiun

To use the Service you must:

• be at least 18 years old and able to enter into a binding contract;
• use the Service only for yourself, with an Exchange account in your own name;
• give us true, accurate and complete information, and keep it up to date;
• not be located in, or a resident or national of, any country where the Service or automated trading is prohibited, and not be the subject of any sanctions;
• not have had a Timiun account suspended or closed by us before, unless we have agreed otherwise in writing.

Laws about trading, automated trading, foreign exchange, cryptoassets and similar products differ between countries. It is your responsibility to make sure that using the Service, the Exchange and the products traded is lawful where you live, and to pay any taxes due on your trading. We may refuse, limit or close accounts in any country at our discretion.

4. Your account and security

You are responsible for keeping your Timiun login details and device secure, and for everything that happens under your account. Tell us straight away at support@timiun.com if you think someone else has accessed your account. We may ask you to verify your identity at any time.

5. Your Exchange account

Your Exchange account is provided by the Exchange, not by us, and is governed by your agreement with the Exchange. We do not control the Exchange and are not responsible for its services, prices, spreads, fees, execution, outages, account decisions, insolvency or conduct.

When you connect an Exchange account, you authorise Timiun to place, manage and close trades on that account, within the Agent's rules and the settings you choose, until you disconnect it. We ask only for the permissions needed to read your balance and place trades. We never ask for, and you must never give us, permission to withdraw funds. You can remove our access at any time from the Service or from your Exchange account.

You are responsible for every trade placed on your Exchange account while it is connected to the Service, including trades placed by an Agent you selected.

6. How Agents work, and their limits

• Agents follow fixed, automated rules. They do not know the future and they will have losing trades and losing periods.
• Results shown in the Service, including tests on past prices and live track records, are information only. Past or tested results do not predict future results. Your own results can differ because of prices, delays, fees and other factors.
• Trades may be delayed, partly filled, rejected or placed at a different price than expected, for example because of market conditions, internet or system problems, or the Exchange.
• Risk settings, loss limits and stops reduce risk but cannot remove it. In fast markets, losses can be larger than a setting suggests.
• We may change, pause, limit or retire any Agent, setting or feature at any time, including for all users at once, for example to protect users when an Agent is performing worse than expected. We are not responsible for trades not placed because of such a pause.

7. Starting small

We strongly recommend starting on the Gentle setting with an amount you could lose without it affecting your life. You can change your settings, pause, or disconnect your Exchange account at any time.

8. Fees and payments

• Plans are billed in advance for each billing period and renew automatically until you cancel. You can cancel at any time; your plan then stays active until the end of the period you have paid for.
• The Plus plan includes a free trial of 24 hours from when you create your account. If you do not cancel before the trial ends, your Plus subscription starts and is charged. The Pro plan has no free trial.
• Profit share. In addition to the monthly price, you agree to pay a share of the net trading profit made on your real-money Exchange account through the Service: 30% on Plus and 25% on Pro. It is calculated at the end of each day, only on net profit above the highest end-of-day value your account previously reached through the Service (a “high-water mark”), after deducting Exchange fees, and ignoring money you add or withdraw. No profit share is charged for a day with a net loss. We show you the calculation in the Service. Each day's profit share is due when it is issued, and automated trading is paused on your account until it is paid. Open positions are still managed and closed by their usual rules while trading is paused.
• Except where the law requires otherwise, payments are non-refundable, including for partial periods or unused features.
• We may change our prices. We will tell you at least 30 days before a price change affects you, and you can cancel before it takes effect.
• Some Exchanges pay us a fee or commission on trades placed through the Service. Where this applies, it is shown in the Service. Exchange fees are charged by the Exchange under its own terms.
• Prices may not include taxes. You are responsible for any taxes that apply to you.

9. Things you must not do

You must not:

• use the Service for anyone else, or connect an account that is not yours;
• use the Service for any unlawful purpose, including money laundering, fraud or market manipulation;
• copy, resell, reverse engineer or try to extract the Agents' rules, code or data, except where the law allows;
• interfere with, overload, probe or attack the Service, or access it by automated means we have not approved;
• give false information, or use the Service to mislead others about results.

10. Our content and intellectual property

The Service, including the Agents, their names, characters and designs, software, text and data, belongs to Timiun or its licensors. We give you a personal, limited, non-exclusive, non-transferable right to use the Service under these Terms. All other rights are reserved. If you send us feedback or ideas, we may use them freely without paying you.

11. Suspending or closing accounts

You can close your account at any time. We may suspend, limit or close your account, or stop any trading activity, at any time if we reasonably believe it is necessary, for example to comply with law, to protect you or others, if you break these Terms, or if continuing would expose us to legal or regulatory risk. Where reasonable and lawful, we will tell you why. Closing your Timiun account does not close your Exchange account or any open positions on it; you are responsible for managing those.

12. Third-party services

The Service relies on third parties, including Exchanges, hosting, data, payment and messaging providers. We are not responsible for their services, and their own terms may apply to you.

13. Disclaimers

To the fullest extent permitted by law, the Service is provided “as is” and “as available”. We do not promise that the Service, any Agent or any data will be accurate, complete, uninterrupted, error-free or profitable, or that it will meet your needs. We exclude all warranties and conditions not expressly set out in these Terms, including any implied warranties of fitness for a particular purpose and satisfactory quality.

14. Limits on our responsibility

To the fullest extent permitted by law:

• we are not responsible for any trading losses, loss of profit, loss of opportunity, or loss caused by market movements, Exchange actions, delays, missed or failed trades, or Agent decisions;
• we are not responsible for any indirect, incidental, special or consequential loss, or loss of data or goodwill;
• our total responsibility to you for all claims relating to the Service is limited to the greater of (a) the fees you paid us in the 12 months before the event giving rise to the claim, and (b) one hundred US dollars (USD 100).

Nothing in these Terms limits or excludes any responsibility that cannot be limited or excluded by law, such as for death or personal injury caused by negligence, or for fraud. If you are a consumer, you also keep any rights you have under consumer protection laws that cannot be changed by contract.

15. Your responsibility to us

To the extent permitted by law, you agree to cover any loss, claim or reasonable cost (including legal fees) that we suffer because you broke these Terms, broke the law, or misused the Service.

16. Changes to these Terms

We may update these Terms from time to time. If a change materially affects you, we will tell you by email or in the Service before it takes effect. If you keep using the Service after a change takes effect, you accept the updated Terms. If you do not agree, you must stop using the Service and may close your account.

17. Disputes and governing law

If you have a problem, please contact us first at support@timiun.com; most issues can be solved quickly. If we cannot resolve a dispute within 30 days, it will be finally resolved by confidential arbitration seated in [SEAT OF ARBITRATION, e.g. Lagos, Nigeria], under [ARBITRATION RULES, e.g. the Lagos Court of Arbitration Rules], by a single arbitrator, in English. To the extent permitted by law, disputes will be brought individually and not as part of a class or group action. Either party may seek urgent relief from a competent court, and nothing here prevents you from bringing a claim in a small-claims court where available.

These Terms are governed by the laws of [GOVERNING LAW, e.g. the Federal Republic of Nigeria], without regard to conflict-of-law rules. If you are a consumer, this does not take away the protection of mandatory laws of the country where you live.

18. General

• These Terms, with the documents they refer to, are the whole agreement between you and us about the Service.
• If any part of these Terms is found unenforceable, the rest stays in effect.
• If we do not enforce a right straight away, we can still enforce it later.
• You may not transfer your rights under these Terms. We may transfer ours, for example as part of a business sale.
• We are not responsible for delays or failures caused by events beyond our reasonable control, such as Exchange or internet failures, power cuts, government action or natural disasters.
• If these Terms are translated, the English version applies if there is any difference.

19. Contact

[LEGAL COMPANY NAME, e.g. Timiun Technologies Limited], [REGISTERED ADDRESS]. Email: support@timiun.com.