Terms and Conditions

1. Agreement to Terms

These Terms and Conditions ("Terms") are a legally binding agreement between you ("User," "you," or "your") and A&G Consultants LLC ("Company," "we," "us," or "our") regarding your access to and use of Average Joe Trades (the "Service").

By accessing, registering for, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

Effective Date: January 21, 2026

2. Eligibility and Account Responsibility

• You must be at least 18 years old and legally capable of entering contracts.
• You represent that all registration information is accurate, current, and complete.
• You are responsible for maintaining account security and for all activity under your account.
• You must promptly notify us of unauthorized access, security breaches, or account misuse.

3. Nature and Scope of the Service

Average Joe Trades is a journaling, analytics, and decision-support platform for self-directed traders and investors. The Service may include features for stocks, options, futures, and crypto asset tracking, plus optional brokerage sync, AI/ML insights, and community aggregate analytics.

The Service is not a brokerage, exchange, execution venue, custodian, investment adviser, commodity trading adviser, broker-dealer, or futures commission merchant. We do not place or execute trades for you.

4. No Financial, Investment, Tax, or Legal Advice

ALL CONTENT, DATA, ANALYTICS, INDICATORS, SCORES, SIGNALS, AND AI OUTPUTS ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, LEGAL, OR ACCOUNTING ADVICE.

• You alone decide whether, when, and how to trade or invest.
• Past performance does not guarantee future results.
• No output from the Service is a solicitation or recommendation to transact.
• You should consult licensed professionals before making financial, legal, or tax decisions.

5. High-Risk Asset Disclosure

Trading and investing in stocks, options, futures, and crypto assets involve substantial risk, including partial or total loss of capital. Derivatives, leveraged products, and volatile markets can magnify losses and may require rapid decision-making under uncertainty.

• You are solely responsible for assessing suitability, risk tolerance, and liquidity.
• You acknowledge that slippage, outages, stale prices, data gaps, and market dislocations may occur.
• You understand regulatory, tax, and reporting obligations can vary by asset type and jurisdiction.

6. AI/ML Features and Data-Dependent Outputs

AI and machine-learning features are probabilistic tools that may be incomplete, delayed, or wrong. Outputs depend on source data quality, modeling assumptions, and system availability.

• Personalized and community insights are informational only and may not apply to your specific situation.
• No model is guaranteed to be accurate, profitable, or fit for your objectives.
• You assume all risk for decisions made using model outputs, including confidence scores, backtests, and scenario analyses.

7. Third-Party Services and Integrations

The Service may integrate with third parties, including authentication providers, market-data vendors, and brokerage connectivity providers (for example, SnapTrade). Third-party services are outside our control and subject to their own legal terms.

• You authorize us to process data returned by integrations you enable.
• We are not responsible for third-party outages, security incidents, delays, pricing, data quality issues, or policy changes.
• You are responsible for maintaining the security of linked accounts and permissions.

8. User Conduct and Prohibited Uses

• Do not use the Service for unlawful, fraudulent, or abusive conduct.
• Do not attempt to reverse engineer, scrape at scale, disrupt, overload, or bypass security controls.
• Do not upload malicious content, impersonate others, or violate third-party rights.
• Do not use the Service in violation of securities, commodities, sanctions, or export laws.

9. Data Rights and License

You retain ownership of your content. You grant us a worldwide, non-exclusive, royalty-free license to host, process, store, reproduce, and analyze your data as needed to operate, secure, and improve the Service, including generation of anonymized and aggregated analytics that do not identify you personally.

10. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, uninterrupted service, and data accuracy.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost opportunities, trading losses, liquidation losses, data loss, or goodwill loss.
• We are not liable for losses caused by market movements, third-party systems, connectivity failures, or your trading and investment decisions.
• Our total aggregate liability for all claims relating to the Service will not exceed the lesser of (a) amounts paid by you to us during the 12 months before the event giving rise to the claim, or (b) USD $100.

12. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, contractors, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from or related to your use of the Service, your breach of these Terms, your violation of law, or your trading and investment activity.

13. Dispute Resolution; Arbitration; Class Action Waiver

Please read this section carefully. It affects your legal rights.

• Informal Resolution First: Before filing a claim, you agree to contact us at developers.agc@gmail.com and attempt to resolve the dispute informally for at least 30 days.
• Binding Arbitration: Any dispute arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules.
• Venue: Unless otherwise required by applicable law, arbitration will be conducted in Los Angeles County, California, and the proceedings will be in English.
• Class Action Waiver: You and the Company agree to bring claims only in an individual capacity, not as a plaintiff or class member in any purported class, consolidated, representative, or private attorney general proceeding.
• Jury Trial Waiver: To the extent any dispute proceeds in court, you and the Company waive any right to a jury trial.
• Time Limit: Any claim must be filed within one year after the claim arises, or it is permanently barred to the extent permitted by law.

14. Governing Law

These Terms are governed by the laws of the State of California, United States, excluding conflict of laws rules. The Federal Arbitration Act governs the arbitration provision above.

15. Suspension and Termination

We may suspend or terminate access to the Service at any time, with or without notice, for security, legal, operational, or policy reasons, including violations of these Terms. Sections that by nature should survive termination will survive, including warranty disclaimers, liability limits, arbitration, indemnification, and governing law.

16. Changes to Terms

We may update these Terms from time to time. We will post updated Terms on this page and revise the "Last updated" date. Continued use of the Service after updates become effective constitutes acceptance of the revised Terms.

17. Miscellaneous

• If any provision is held unenforceable, the remaining provisions remain in effect.
• Our failure to enforce any provision is not a waiver of that provision.
• These Terms and the Privacy Policy are the entire agreement between you and the Company regarding the Service.

18. Contact Information

If you have legal questions about these Terms, contact us: