ARVO
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Terms of Service

Last updated: [LAST UPDATED DATE]

These Terms of Service ("Terms") govern your access to and use of ARVO (the "Service").

The Service is operated by:

[LEGAL ENTITY / OPERATOR NAME]

[REGISTERED ADDRESS]

[JURISDICTION]

Contact: [SUPPORT / LEGAL EMAIL]

By creating an account or using ARVO, you agree to these Terms.

If you do not agree to these Terms, do not use the Service.

1. The ARVO Service

ARVO is a trading journal, discipline, accountability, behavioural reflection, and performance analytics tool.

Features may include:

  • trading journal functionality;
  • trading accounts and plans;
  • trading rules;
  • routine tracking;
  • market-news preparation;
  • emotion check-ins;
  • trade reflections;
  • discipline tracking;
  • ARVO Score;
  • Daily Recaps;
  • Weekly Reports;
  • historical comparisons;
  • performance and behavioural statistics;
  • downloadable report exports;
  • other related journaling and analytics functionality.

2. ARVO is not a broker

ARVO is not a broker, exchange, investment manager, portfolio manager, custodian, bank, or financial institution.

ARVO does not:

  • execute trades on your behalf;
  • hold or custody your trading funds;
  • control your brokerage account;
  • manage your investment portfolio;
  • guarantee execution or trading outcomes.

3. No financial or investment advice

ARVO is provided as a journaling, accountability, self-reflection, discipline, and analytics tool.

Nothing provided through ARVO constitutes financial, investment, trading, tax, accounting, or legal advice.

Information displayed by ARVO must not be interpreted as:

  • a recommendation to buy or sell a financial instrument;
  • a personalized investment recommendation;
  • a trading signal;
  • a prediction of market direction;
  • a guarantee of profitability;
  • an instruction to enter, exit, or modify a trade.

You remain solely responsible for your trading and investment decisions.

4. Trading risk

Trading financial markets involves substantial risk.

You may lose some or all of the capital you commit to trading.

Past performance does not guarantee future results.

Historical statistics, discipline measurements, profitable periods, patterns, correlations, associations, or other information displayed in ARVO do not guarantee similar future outcomes.

You should trade only with capital you can afford to lose and should consider obtaining independent professional advice where appropriate.

5. ARVO scores, statistics and reports

ARVO may calculate information such as:

  • ARVO Score;
  • discipline scores;
  • rule adherence;
  • rule violations;
  • win rate;
  • profit and loss statistics;
  • routine completion;
  • trading-day comparisons;
  • weekly comparisons;
  • behavioural patterns;
  • Daily Recaps;
  • Weekly Reports.

These outputs depend on the information available to ARVO.

They may be incomplete or misleading where underlying data is missing, incorrect, incomplete, inconsistent, or entered incorrectly.

You are responsible for reviewing the accuracy of information you enter into the Service.

6. Association does not mean causation

ARVO may display relationships between trading outcomes and recorded behaviours such as:

  • routines;
  • emotions;
  • news preparation;
  • rule adherence;
  • discipline.

These relationships are observational and analytical.

They do not establish that a particular behaviour caused a particular financial result.

You should not treat these relationships as predictive trading signals.

7. User accounts

You may be required to create an account to use ARVO.

You agree to:

  • provide accurate account information;
  • maintain the security of your credentials;
  • not share access in an unauthorized manner;
  • notify ARVO if you become aware of unauthorized access;
  • remain responsible for activity performed through your account where permitted by applicable law.

You must not attempt to access another user's account or information.

8. Eligibility

You must be at least:

[MINIMUM AGE]

and legally capable of entering into these Terms under the laws applicable to you.

ARVO may impose additional eligibility requirements where required by law or by particular features.

9. User data

You retain your rights in information and content that you submit to ARVO.

You grant ARVO the limited rights necessary to host, process, calculate, display, and otherwise use that information for the purpose of providing, maintaining, securing, and improving the Service, subject to the Privacy Policy.

ARVO does not acquire ownership of your trading journal merely because you store it using the Service.

10. User responsibility for data

You are responsible for information you enter into ARVO.

You should verify important trading records independently where necessary.

ARVO should not be treated as the sole permanent record of information that you are legally, financially, or professionally required to retain.

You are responsible for maintaining any independent records or backups that you consider necessary.

11. Report exports and sharing

ARVO may allow you to download or share representations of your journal or reports.

You are responsible for reviewing an exported report before sharing it.

Reports may contain:

  • profit and loss information;
  • trading statistics;
  • behavioural information;
  • emotional information;
  • discipline information;
  • other information associated with your journal.

Once you voluntarily share an exported report outside ARVO, ARVO cannot control how third parties store, copy, distribute, or otherwise use that shared copy.

12. Acceptable use

You must not:

  • use ARVO for unlawful purposes;
  • attempt unauthorized access to ARVO systems or other accounts;
  • interfere with or disrupt the Service;
  • bypass security or access controls;
  • introduce malware or malicious code;
  • scrape or extract the Service in violation of applicable law or these Terms;
  • abuse infrastructure or technical resources;
  • impersonate another person;
  • use ARVO to infringe the rights of others;
  • attempt to reverse engineer protected portions of the Service except where such restriction is prohibited by applicable law.

13. Intellectual property

ARVO and its associated software, visual identity, branding, logos, interface, original content, and other proprietary materials are owned by or licensed to:

[LEGAL ENTITY / OPERATOR NAME]

except for user-provided content and third-party materials.

These Terms do not transfer ownership of ARVO intellectual property to you.

14. Third-party services

ARVO may depend on third-party services for functionality such as:

  • authentication;
  • cloud infrastructure;
  • database services;
  • storage;
  • hosting;
  • external authentication providers.

Use of certain third-party services may also be subject to the provider's terms and privacy policies.

ARVO is not responsible for third-party services to the extent permitted by applicable law.

15. Service availability

ARVO aims to provide a reliable Service but does not guarantee continuous, uninterrupted, or error-free availability.

The Service may occasionally be unavailable due to:

  • maintenance;
  • technical failures;
  • infrastructure failures;
  • security incidents;
  • third-party outages;
  • updates;
  • circumstances outside ARVO's reasonable control.

16. Changes to the Service

ARVO may add, modify, improve, suspend, or remove features over time.

Where a change materially affects user rights or paid services, ARVO will provide notice where required by applicable law.

17. Subscriptions and payments

Current commercial/subscription terms: [SUBSCRIPTION / EARLY ACCESS / BILLING TERMS TO BE INSERTED]

Before paid subscriptions are made generally available, this section must be updated to accurately describe:

  • pricing;
  • billing periods;
  • renewals;
  • cancellation;
  • refunds where applicable;
  • taxes;
  • payment provider;
  • trial terms if any.

18. Account suspension and termination

ARVO may restrict, suspend, or terminate access where reasonably necessary, including where:

  • these Terms are materially violated;
  • the Service is used unlawfully;
  • security or integrity is threatened;
  • required by law;
  • continued access creates material risk to ARVO or other users.

Where appropriate and legally required, reasonable notice or an opportunity to remedy the issue may be provided.

19. Account deletion

Account deletion process: [ACCOUNT DELETION PROCESS TO BE INSERTED]

The production version of this section must accurately describe the available deletion process and any legally permitted retention of data.

20. Disclaimer of warranties

To the maximum extent permitted by applicable law, ARVO is provided on an "as is" and "as available" basis.

ARVO does not warrant that:

  • the Service will always be available;
  • the Service will be error-free;
  • calculations will always be free from defects;
  • information entered by users is accurate;
  • using ARVO will improve trading performance;
  • using ARVO will result in profits;
  • losses will be prevented;
  • historical patterns will continue in the future.

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

21. Limitation of liability

To the maximum extent permitted by applicable law, ARVO and [LEGAL ENTITY / OPERATOR NAME] will not be liable for losses resulting solely from trading or investment decisions made by a user based on their own interpretation or use of journal information, statistics, reports, patterns, or other analytical information provided through ARVO.

ARVO does not assume responsibility for market losses simply because the Service was used before, during, or after a trade.

Additional limitation-of-liability terms appropriate to the governing jurisdiction: [JURISDICTION-SPECIFIC LIABILITY LANGUAGE]

Nothing in these Terms limits liability that cannot legally be limited or excluded.

22. Indemnity

Where permitted by applicable law, you may be responsible for losses, claims, or expenses resulting from unlawful use of the Service or material violation of these Terms.

Any final indemnity provision should be interpreted and finalized according to the governing jurisdiction.

23. Privacy

Use of personal information in connection with ARVO is described in the ARVO Privacy Policy.

Please review the Privacy Policy before using the Service.

24. Governing law

These Terms are governed by the laws of:

[GOVERNING JURISDICTION]

subject to any mandatory consumer protections that apply to you.

25. Disputes

Applicable dispute-resolution process and courts: [DISPUTE RESOLUTION / COURT JURISDICTION]

This section must be finalized according to ARVO's legal entity and target markets.

26. Changes to these Terms

ARVO may update these Terms from time to time.

The date at the top of the Terms indicates the latest revision.

Where required by law, ARVO will provide appropriate notice before material changes take effect.

27. Contact

Questions regarding these Terms may be sent to:

[LEGAL ENTITY / OPERATOR NAME]

[REGISTERED ADDRESS]

[JURISDICTION]

Email: [LEGAL / SUPPORT EMAIL]