Terms and Conditions

1. Who we are

TraderNest is a trade name of SHD Services, a sole proprietorship registered in the Netherlands.

2. Definitions

• TraderNest, we, us: SHD Services, trading as TraderNest (see section 1).
• Platform: the TraderNest online software made available as Software-as-a-Service (SaaS) at app.tradernest.ai.
• Website: tradernest.ai and its subdomains.
• Services: everything we offer through the Platform and Website, including trade journaling, analytics, dashboards, AI features, reports and integrations.
• User, you: any natural person or legal entity using the Services.
• Consumer: a natural person acting for purposes outside their trade, business, craft or profession.
• Business User: a User who is not a Consumer.
• Account: your personal user account.
• Free Plan: the plan without charge and with limited features.
• Paid Plan: a Starter or Advanced subscription, billed monthly or yearly.
• Free Period: a period without charge at the start of a Paid Plan, for example through a partner code.
• Code: any partner, referral, promotion or lifetime code.
• Content: data, trades, notes, screenshots and other material you upload or generate in the Platform.

3. Applicability and changes to these Terms

• 3.1 These Terms apply to all use of the Website, Platform and Services and to every agreement between you and TraderNest.
• 3.2 Some clauses apply only to Consumers or only to Business Users; they say so. If you are a Consumer, nothing in these Terms takes away rights you have under mandatory consumer law, including the law of the country where you live.
• 3.3 Deviations from these Terms only apply if we agree to them in writing (email is enough).
• 3.4 Before you sign up or pay, these Terms are linked on the sign-up page and on the checkout page, and you accept them there. The current version is always available on this page.
• 3.5 We may change these Terms for valid reasons, such as changes in law, security or the Services. We inform you of material changes by email at least 30 days before they take effect. If you do not agree, you can cancel your Paid Plan before the change takes effect, free of charge, and we refund any prepaid amount for the period after that date pro rata. Changes never apply to the past.
• 3.6 If a provision of these Terms is invalid, the rest remains in force and the invalid provision is replaced by a valid one that comes closest to its purpose.

4. Nature of the Services (no financial advice)

• 4.1 TraderNest provides tools for trade journaling, performance analysis, reporting and behavioural insights.
• 4.2 TraderNest does not provide investment advice, financial advice, trading signals, portfolio management or brokerage services, and is not an investment firm or financial service provider under financial supervision law.
• 4.3 All information, analytics and AI-generated insights are for informational and educational purposes only. Any trading or investment decision you make is your own decision and at your own risk. See also section 17 (AI features) and our Risk disclaimer.

5. Account

• 5.1 You must be at least 18 years old to use the Services. You must provide accurate and up-to-date information.
• 5.2 An Account is for one person. You may not share your login or give third parties access without our permission.
• 5.3 Keep your login details secret and tell us right away at [email protected] if you suspect misuse. You are responsible for activity in your Account unless it results from our own failure.

6. Plans and how the contract is concluded

• 6.1 The Free Plan requires no payment details. We may change the features and limits of the Free Plan at any time.
• 6.2 Paid Plans (Starter and Advanced) are available monthly or yearly. The current features and prices are shown on our pricing page, on the plan page in the Platform and on the checkout page.
• 6.3 A contract for a Paid Plan is concluded when you complete checkout. Before you pay, the checkout page shows the plan, the price, the billing interval and, if applicable, the date of the first charge, and you can correct any input errors. We confirm the contract by email with its main terms and the information on your right of withdrawal.
• 6.4 Contracts are concluded in English. Enterprise plans are agreed separately in writing.

7. Prices and payment

• 7.1 Prices are in euro. The prices shown to Consumers include VAT.
• 7.2 Paid Plans are billed in advance per billing period through our payment provider Stripe. By subscribing, you authorise us to charge your payment method for each billing period until you cancel.
• 7.3 Invoices and receipts are available in the billing portal under Account, Subscription.
• 7.4 If a payment fails, we retry it and inform you by email. If payment is still not made, we may move your Account to the Free Plan until payment is made. We do not delete your Content because of a missed payment without notifying you first.
• 7.5 If you believe a charge is wrong, please contact us first so we can fix it quickly. If you start a chargeback for a charge that was valid, we may suspend paid features until the chargeback is resolved. Your statutory rights, including your right of withdrawal and refunds under section 12, are not affected.

8. Term, renewal and cancellation

• 8.1 Monthly plans run for one month and renew automatically every month until you cancel.
• 8.2 Yearly plans run for one year and renew automatically for another year unless you cancel before the renewal date. We send you a reminder by email before a yearly plan renews.
• 8.3 Consumers on a yearly plan: after the first year, you can cancel at any time with a notice period of no more than one month. We then refund the prepaid fee for the full months remaining after the notice period, pro rata. To use this, cancel in the billing portal and email [email protected], or email us directly.
• 8.4 You can cancel online at any time under Account, Subscription, using the Cancel subscription button, or by email to [email protected]. No reason is needed and cancelling is as easy as signing up. You receive a confirmation of your cancellation.
• 8.5 When you cancel, your Paid Plan stays active until the end of the period you already paid for, and no further charges are made. Your Account then continues on the Free Plan. If you cancel during a Free Period, you are not charged at all.
• 8.6 You can switch between plans and billing intervals in the billing portal. Any price difference is calculated pro rata and shown before you confirm.
• 8.7 Business Users on a yearly plan can cancel with effect from the next renewal date; prepaid periods are not refunded except as set out in section 12.

9. Free Periods through partner codes

• 9.1 A partner code gives a Free Period of 61 days (shown as "2 months free") on the Paid Plan you choose.
• 9.2 A payment method is required at checkout. The checkout page shows the price and the date of the first charge.
• 9.3 Unless you cancel before the Free Period ends, your Paid Plan continues automatically and we charge the price shown at checkout on that date. The plan then renews as set out in section 8.
• 9.4 We email you a reminder at least 3 days before the first charge, with the amount, the date and how to cancel.
• 9.5 If you switch plan or billing interval during the Free Period, only the remaining free days carry over.
• 9.6 Each person can use a Free Period only once. We may refuse a Free Period if you or your payment method used one before.

10. Partner, promotion and lifetime codes

• 10.1 Codes are personal and non-transferable. You may not sell, trade or publish a code, unless we agreed to this in writing (for example as a TraderNest partner).
• 10.2 One code per Account and per person. Codes cannot be combined and have no cash value. A code is valid for the plan, period and number of uses stated with it.
• 10.3 A lifetime code gives access to the plan stated with the code without charge for as long as TraderNest offers that Service. It is not a guarantee that specific features stay the same: the plan evolves in the same way as for paying Users (section 19). If we discontinue the Service, we give at least 60 days' notice.
• 10.4 If a code is obtained or used through abuse, such as multiple or fake accounts, self-referral, automated sign-ups or resale, we may revoke the code benefit, end the Free Period or lifetime access, and suspend the Accounts involved. We inform you and give our reasons. If you paid us, your statutory rights remain.

11. Right of withdrawal (Consumers)

• 11.1 If you are a Consumer, you can withdraw from a contract for a Paid Plan within 14 days after the day the contract was concluded, without giving any reason.
• 11.2 To withdraw, use the online function Withdraw from contract here (also available under Account, Subscription), email us at [email protected] with a clear statement, or use the model withdrawal form below (not required). It is enough to send your withdrawal before the 14 days have passed. We confirm receipt by email without delay.
• 11.3 After a withdrawal, we end the contract and refund all payments we received from you no later than 14 days after we received your withdrawal, using the same payment method, at no cost to you.
• 11.4 At checkout, you can expressly ask us to start the Paid Plan immediately, within the withdrawal period. If you did so and then withdraw, you pay a proportionate amount for the days until you informed us of your withdrawal, and we refund the rest. If you did not expressly ask for an immediate start, you pay nothing.
• 11.5 Withdrawing during a Free Period costs nothing.
• 11.6 Business Users have no statutory right of withdrawal. The refund policy in section 12 does apply to them.

12. Refunds

• 12.1 Consumers who withdraw get a refund as set out in section 11.
• 12.2 First payment guarantee: any User can ask for a full refund within 7 days of the first payment for a new Paid Plan, once per person, by emailing [email protected]. The Paid Plan then ends.
• 12.3 Consumers on a yearly plan get a pro rata refund when cancelling after the first year, as set out in section 8.3.
• 12.4 If we end your Paid Plan without it being your fault, or discontinue the Service, we refund the prepaid fee for the remaining period pro rata.
• 12.5 If the Services do not conform to the contract, you have the rights the law gives you, including repair, a price reduction or termination with a refund.
• 12.6 Apart from the cases above and mandatory law, fees for periods that have already started are not refunded. Cancelling always stops future charges.

13. Price changes

• 13.1 We may change the prices of Paid Plans for future billing periods. We inform you by email at least 30 days before a new price applies to you.
• 13.2 A new price takes effect from your first renewal after that notice period. If you do not agree, you can cancel before it takes effect, free of charge.
• 13.3 If you are a Consumer and we raise the price within three months after the contract was concluded, you may terminate the contract with effect from the date of the price increase.
• 13.4 Discounts and promotional prices apply for the period stated with them.

14. Acceptable use and fair use

You agree not to:

• use the Services for unlawful purposes;
• circumvent security measures, access controls or plan limits;
• reverse engineer, decompile or copy the Platform, except where the law allows it;
• use bots, scrapers or automated systems without our written consent;
• create multiple Accounts to get extra Free Periods, codes or higher limits;
• misuse referral, partner or community features;
• upload malicious, misleading or infringing content.

"Unlimited" features are intended for normal use by one trader. If use is clearly excessive or automated (for example scripted requests or reselling), we may limit it after notifying you.

15. Suspension and termination by TraderNest

• 15.1 We may suspend or limit your Account if you seriously breach these Terms, in case of fraud or abuse, if there is a security risk or if the law requires it. Our measures are proportionate. We inform you and give our reasons, unless the law or security prevents this.
• 15.2 We may terminate your Account for a serious or repeated breach that you do not remedy after a warning, or immediately in case of fraud. In that case, prepaid fees for the remaining period are not refunded, unless mandatory law requires otherwise.
• 15.3 We may also end a Paid Plan or discontinue the Service for other reasons with at least 60 days' notice. We then refund the prepaid fee for the remaining period pro rata.
• 15.4 After the end of the contract, you can ask us for a copy of your Content in a common format within 30 days. Afterwards, we delete your data as described in our Privacy Policy.

16. Integrations, API keys and data accuracy

• 16.1 TraderNest offers integrations with third-party platforms such as crypto exchanges. These platforms are not operated by us.
• 16.2 Only connect API keys with read-only permissions. Never grant trading or withdrawal permissions. You are responsible for the keys you provide and can revoke them at the exchange at any time. We use API keys only to read your trading data.
• 16.3 Data from third-party platforms can be incomplete, delayed, duplicated or incorrect, and platforms can change or stop their APIs. Please check imported data. We are not responsible for errors caused by third-party platforms, but we do correct errors in our own processing.
• 16.4 We may stop supporting an integration. If that substantially reduces what a Consumer paid for, section 19.2 applies.

17. AI features

• 17.1 AI features, including the AI coach Hawk, are based on data patterns and probabilistic models. Outputs can be incomplete or incorrect.
• 17.2 AI outputs do not replace your own judgement and are not financial advice (see section 4).
• 17.3 Usage limits per plan, such as chat credits, are shown on the plan page.

18. Your Content and data

• 18.1 You keep ownership of your Content.
• 18.2 You give us a non-exclusive, worldwide, royalty-free licence to use your Content only to provide, maintain and improve the Services for you.
• 18.3 You make sure your Content does not infringe the rights of others. How we process personal data is explained in our Privacy Policy.
• 18.4 Content you post in communities (such as names, messages and shared reports) must not be illegal, abusive, misleading or promote financial products or schemes. Community owners may set additional rules for their community.
• 18.5 Anyone can report Content they consider illegal or in breach of these Terms by email to [email protected] (our single point of contact for users and authorities, in English or Dutch). Please describe the Content, where it is and why you believe it is illegal. We confirm receipt and handle reports carefully and without undue delay.
• 18.6 We may remove or restrict Content or accounts that are illegal or breach these Terms. If we do, we tell the user concerned what we did and why, unless the law prevents this. The user can object by replying to that message, and we will review the decision.
• 18.7 We do not use automated tools to moderate Content and we do not rank or recommend Content based on profiling.

19. Availability and changes to the Services

• 19.1 We do our best to keep the Services available, but we cannot guarantee uninterrupted or error-free operation. We announce planned maintenance where possible.
• 19.2 We may update and improve the Services, for example for security, legal or technical reasons. If a change materially and negatively affects your use of a Paid Plan, we inform you at least 30 days in advance. As a Consumer, you can then terminate free of charge within 30 days after the change and receive a pro rata refund of the prepaid fee.

20. Intellectual property

• 20.1 All intellectual property rights in the Platform, software, branding and our own content belong to TraderNest or its licensors.
• 20.2 You receive a limited, non-exclusive, non-transferable right to use the Services in line with these Terms for the duration of your contract.

21. Liability

• 21.1 TraderNest is not liable for your trading or investment results, or for losses from decisions you make, whether or not you based them on information in the Services.
• 21.2 Business Users: our total liability is limited to direct damage up to the amount you paid us in the 12 months before the event that caused the damage. We are not liable to Business Users for indirect damage, lost profit or loss of data.
• 21.3 Consumers: we are liable in accordance with the law. Nothing in these Terms limits our liability towards Consumers further than mandatory law allows.
• 21.4 No limitation applies in case of intent or gross negligence on our part, or to liability that cannot be limited by law.

22. Indemnification (Business Users)

Business Users indemnify TraderNest against third-party claims resulting from their breach of these Terms or unlawful use of the Services. Consumers are liable for damage they cause by breaching these Terms in accordance with the law.

23. Force majeure

We are not liable for failure to perform due to events beyond our reasonable control, such as large-scale outages, cyber attacks, government measures or failures of third parties we depend on. This does not affect your right to cancel or to a refund for a period in which we could not provide the Services.

24. Complaints and disputes

• 24.1 Please send complaints to [email protected] with a clear description. We confirm receipt and respond within 14 days, or tell you within that time when you can expect an answer.
• 24.2 If we cannot solve it together, you can take the dispute to the competent court (see section 25). TraderNest is not affiliated with the Geschillencommissie or another alternative dispute resolution body.

25. Governing law and jurisdiction

• 25.1 Dutch law applies to these Terms and all agreements with TraderNest. If you are a Consumer living in another country, you keep the protection of the mandatory rules of the law of that country.
• 25.2 Consumers can bring proceedings before the competent court in the Netherlands or in the country where they live. We can only bring proceedings against a Consumer in the country where the Consumer lives.
• 25.3 Disputes with Business Users are submitted exclusively to the competent court in the district where TraderNest is established.

26. Model withdrawal form

Complete and return this form only if you wish to withdraw from the contract. The quickest way is the online function Withdraw from contract here.

27. Contact

Questions about these Terms or your subscription? Email [email protected]. Our full company details are in section 1 and in our Legal notice.