TraderAI Assistant Terms of Service

1.1. These Terms of Service (hereinafter: the “Terms”) set out the rules for using the TraderAI Assistant website available at traderaiassistant.com (hereinafter: the “Service”).

1.2. The Service is operated by Cogmedia Sp. z o.o., based in Poland (hereinafter: the “Operator”).

1.3. Using the Service constitutes full acceptance of these Terms. If you do not agree with any of its provisions, please stop using the Service.

1.4. The Operator reserves the right to amend the Terms. Users will be informed of material changes by email or via a notification in the Service at least 14 days in advance.

2.1. Service— the TraderAI Assistant online platform enabling users to keep a trading journal, use the AI assistant, monitor trading discipline, and access educational courses.

2.2. User— any natural person who is at least 18 years old and uses the Service after creating an account.

2.3. Account— an individual User profile created during registration, secured with a password and an email address.

2.4. Subscription— the paid plan chosen by the User for access to the Service's features (Basic or Pro).

2.5. AI Content— any suggestions, analyses, and comments automatically generated by artificial intelligence models within the Service.

3.1. Using the Service requires creating an account with an email address. Registration is free of charge.

3.2. The User undertakes to provide truthful information during registration and not to share their login credentials with third parties.

3.3. The User undertakes to use the Service in accordance with applicable law and these Terms. In particular, it is prohibited to use the Service for unlawful purposes, to distribute offensive content, or to attempt unauthorized access to the Service's infrastructure.

3.4. The Operator reserves the right to suspend or delete the account of a User who violates these Terms, after first requesting that the User cease the violation.

4.1. The Service offers two paid subscription plans (the Service does not offer a free plan — access to the Service's features requires an active, paid subscription):

• Basic— the starter plan: unlimited journal, AI Mentor (50 analyses per day), Academy, weekly reports.
• Pro— all Basic features plus the full Trader Mind (memory, Markdown notes, hypotheses and concepts), Deep Mentor, advanced analytics, monthly reports, voice notes and Shadow Analysis.

Deep Claude analyses run by Deep Mentor in the Pro plan require the User's own Anthropic API key. The User bears the cost of using that key directly with Anthropic, independently of the Pro subscription fee. Deep Mentor automations are disabled by default and start only after the User explicitly enables them. The standard AI Mentor and Pro memory do not require an Anthropic key.

4.2. Fees for the selected plan are charged in advance for the chosen billing period (monthly or annual) at the moment the plan is selected — the Service does not offer a trial period. Detailed prices are available on the pricing page.

4.3. The User may change or cancel their subscription at any time via the billing management panel. Cancelling a subscription means access to the Service's features remains active until the end of the paid billing period, after which it is blocked until a new plan is selected.

4.4. The Operator does not offer refunds for an unused portion of the subscription period, unless otherwise required by applicable law.

4.5. Waiver of the right of withdrawal. The services provided within the Service constitute digital services within the meaning of the Polish Consumer Rights Act, and their performance begins immediately after the User makes payment. Pursuant to Article 38(13) of the Polish Act of 30 May 2014 on Consumer Rights, a User who is a consumer, by consenting to the digital service starting before the expiration of the 14-day withdrawal period and acknowledging the resulting loss of the right of withdrawal, loses the right to withdraw from the contract from the moment the Operator begins providing the service. This does not limit the User's right to cancel the subscription for the future in accordance with clause 4.3 of these Terms — however, cancellation does not result in a refund of fees already charged for the current billing period.

5.1. The TraderAI Assistant Service does not constitute investment advice, financial recommendations, or an offer of financial instruments. All content, analyses, and suggestions generated by the Service (including AI Content) are for educational and informational purposes only.

5.2. Trading in financial markets involves a high risk of capital loss. The User makes investment decisions solely at their own responsibility and risk. The Operator is not liable for financial losses incurred in connection with decisions made on the basis of information from the Service.

5.3. AI Content generated by the Service may contain errors or inaccuracies. The Operator makes efforts to ensure the algorithms function correctly, but does not guarantee the accuracy, completeness, or timeliness of the generated content.

5.4. The Operator is not liable for interruptions in the Service's operation resulting from technical causes, including planned maintenance work, failures of external providers, or force majeure events.

6.1. All rights to the Service, including its software, graphical interface, logos, names, and educational content, belong to the Operator or to entities with which the Operator has concluded relevant licensing agreements.

6.2. The User retains rights to the data they enter into the Service (e.g. journal entries, transaction data). The User grants the Operator a non-exclusive license to process this data solely for the purpose of providing the service (e.g. generating AI analyses).

6.3. Copying, distributing, or modifying the Service's content without the Operator's prior written consent is prohibited.

7.1. The User has the right to file a complaint regarding the operation of the Service by sending a message to: kontakt@traderaiassistant.com.

7.2. The complaint should include a description of the problem, the date it occurred, and the User's contact details.

7.3. The Operator will process the complaint within 14 business days of receiving it and will inform the User by email of how it was resolved.

8.1. In matters not regulated by these Terms, the provisions of Polish law shall apply, in particular the Polish Civil Code and the Polish Act on Providing Services by Electronic Means.

8.2. Any disputes arising from the use of the Service will be resolved by the court with jurisdiction over the Operator's registered seat, unless applicable law grants the consumer the right to have the dispute resolved by the court with jurisdiction over their place of residence.

8.3. If any provision of these Terms is held to be invalid, the remaining provisions shall remain in full force and effect.

8.4. These Terms are effective as of 1 April 2026.