Terms of Service

1. About Trading Journal

Trading Journal is a digital service operated by Thiago Willian dos Santos, Portugal.

The platform provides tools for recording, organizing and analyzing trading activity, including metrics, sessions, strategies, goals, notes and AI-assisted functionality depending on the selected plan.

2. Acceptance of these terms

By creating an account or using Trading Journal, you agree to these Terms of Service and the applicable Privacy Policy.

If you do not agree with these Terms, you should not use the platform.

3. User account

You are responsible for providing accurate information, keeping your credentials confidential and protecting access to your account.

You must not share passwords, use another person's account without authorization or attempt to bypass platform security mechanisms.

4. Subscriptions and plans

Trading Journal may offer different subscription plans, including Basic, Complete and Pro, on monthly or annual billing cycles.

Applicable prices, features and billing periods are displayed before purchase.

Subscriptions are recurring and automatically renew until cancelled in accordance with the conditions shown at checkout and by Paddle.

5. Basic plan free trial

The Basic plan may include a 7-day free trial where this option is displayed at checkout.

If you do not wish to continue after the trial, you must cancel before the trial period ends to avoid the first charge.

When the trial ends, the subscription automatically converts to a paid subscription under the selected billing cycle.

6. Payments and Merchant of Record

Subscription payments are processed by Paddle, which acts as Merchant of Record for transactions completed through its platform.

Paddle is responsible for payment processing, receipts, applicable taxes and certain payment and transaction-related support activities.

When completing a purchase through Paddle Checkout, you are also subject to the applicable terms presented by Paddle during the transaction.

7. Cancellation

You may cancel your subscription at any time. Unless applicable law requires otherwise, cancellation takes effect at the end of the current billing period.

Cancellation prevents future renewals. Subscription management may be performed through Paddle's available options and links provided in Paddle transaction emails.

8. Refunds

Refund requests, statutory withdrawal rights and payment-related matters are handled in accordance with applicable law and Paddle's Refund Policy.

Please also see our Refund Policy.

9. Permitted use

You may not use the service to:

• violate laws or third-party rights;
• gain unauthorized access to accounts, data or systems;
• introduce malware or malicious code;
• interfere with platform availability or security;
• copy, resell or exploit the service without authorization;
• abusively automate requests or attempt to bypass technical limits.

10. Not financial advice

Trading Journal is an organization, record-keeping and analysis tool. It does not provide financial advice, investment recommendations, portfolio management, brokerage or trade execution.

Metrics, analysis, content and AI-generated or AI-assisted responses are informational and do not replace financial, legal, tax or other professional advice appropriate to your circumstances.

Trading decisions remain solely your responsibility.

11. Service availability

We aim to keep the service available and secure, but we do not guarantee uninterrupted operation or complete absence of errors.

We may perform maintenance, updates or technical changes required for operation of the platform.

12. Intellectual property

Trading Journal, including its interface, software, visual identity, structure and proprietary content, is protected by applicable intellectual property laws.

You retain rights in data and content you enter into your account, subject to the permissions necessary for us to process that content and provide the service.

13. Suspension and termination

We may suspend or restrict access where there are reasonable grounds relating to fraud, abuse, security risk, non-payment, violation of these Terms or a legal requirement.

14. Limitation of liability

To the maximum extent permitted by applicable law, Trading Journal will not be liable for trading losses, investment decisions, lost opportunities, lost profits or financial outcomes resulting from decisions made using information presented by the platform.

Nothing in these Terms excludes rights or liabilities that cannot lawfully be excluded or limited.

15. Changes to these terms

We may update these Terms where necessary to reflect changes to the platform, plans, law or our processes.

Where a material change requires notice or consent under applicable law, appropriate steps will be taken.

16. Applicable law

These Terms are governed by the applicable laws of Portugal, without prejudice to mandatory consumer protection rules applicable in the user's country of residence.

Transactions processed by Paddle are additionally subject to Paddle's own terms presented to the buyer.