Terms of Service

What We Provide:

• Trade logging and journaling tools
• Performance analytics and reports
• Data visualization and insights
• Educational content and resources

Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Using a strong, unique password

Prohibited Activities

You agree NOT to:

• Share your account with others
• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Upload malicious code, viruses, or harmful content
• Scrape, copy, or reproduce our content without permission
• Reverse engineer or decompile any part of the Service
• Use automated systems (bots) without authorization
• Impersonate others or provide false information
• Violate any applicable laws or regulations

Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms of Service
• Engage in fraudulent or illegal activity
• Fail to pay subscription fees
• Abuse or misuse the Service

Pricing

• Subscription fees are stated in South African Rand (ZAR)
• Prices include VAT as required by South African law
• We reserve the right to change pricing with 30 days' notice
• Promotional pricing is subject to specific terms and conditions

Billing and Renewal

• Subscriptions are billed in advance on a recurring basis (monthly or annually)
• Your subscription automatically renews unless cancelled
• You will be charged on the renewal date using your payment method on file
• Failed payments may result in service suspension

Payment Methods

We accept payment via:

• Credit/Debit cards (processed securely through third-party processors)
• Other methods as may be made available

We do not store your full credit card details. Payments are processed by PCI-DSS compliant third-party providers.

Taxes

You are responsible for any taxes applicable in your jurisdiction. All prices displayed include South African VAT at the current rate (15%).

Cancellation

• You may cancel your subscription at any time through your account settings
• Cancellation takes effect at the end of your current billing period
• You will retain access to paid features until the end of the billing period
• No partial refunds for unused time within a billing period

Refund Policy (Consumer Protection Act Rights)

In accordance with the Consumer Protection Act 68 of 2008:

• Cooling-Off Period: You have 5 business days from subscription to cancel and receive a full refund (if you have not substantially used the Service)
• Service Failure: If we fail to provide the Service as described, you may be entitled to a refund
• No Refunds: Generally, no refunds after the 5-day cooling-off period or if Service has been substantially used
• Annual Subscriptions: Same refund policy applies pro-rata for the unused portion within 5 days

Refund Process

To request a refund:

• Email support@tradejournal.co.za within the applicable period
• Provide your account details and reason for refund
• Refunds processed within 10 business days to original payment method

Our Property

All content, features, and functionality of the Service are owned by Tapnet (Pty) Ltd and protected by:

• South African copyright law
• Trademark law
• Other intellectual property rights

This includes but is not limited to:

• Software, code, and algorithms
• Design, graphics, and user interface
• Text, content, and educational materials
• TradeJournal name, logo, and branding

Your Content

You retain ownership of all data and content you upload to the Service ("Your Content"), including:

• Trade logs and journal entries
• Notes, comments, and annotations
• Screenshots and uploaded images

By using the Service, you grant us a limited, non-exclusive license to:

• Store and process Your Content to provide the Service
• Create backups and ensure data integrity
• Generate anonymized aggregate statistics

We will never share, sell, or use Your Content for purposes beyond providing the Service without your explicit consent.

License to Use Service

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes in accordance with these Terms.

No Financial Advice

• TradeJournal is a journaling and analytics tool only
• We do NOT provide financial, investment, or trading advice
• Any educational content is for informational purposes only
• You are solely responsible for all trading decisions
• Trading involves substantial risk and may not be suitable for everyone
• Past performance does not guarantee future results

"As Is" Service

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, including:

• No warranty of uninterrupted or error-free operation
• No warranty that defects will be corrected
• No warranty of accuracy, reliability, or completeness of data
• No warranty that the Service meets your requirements

Limitation of Liability

To the maximum extent permitted by South African law:

• We are NOT liable for any trading losses or financial damages
• We are NOT liable for indirect, incidental, or consequential damages
• We are NOT liable for loss of profits, data, or business opportunities
• Our total liability is limited to the amount you paid us in the 12 months preceding the claim

Nothing in these Terms excludes liability that cannot be excluded under the Consumer Protection Act (e.g., death or personal injury caused by our negligence, fraud).

Data Loss

While we implement industry-standard security measures and backups, we are not liable for any data loss. You are responsible for maintaining your own backups of critical data.

Third-Party Services

We are not responsible for the content, functionality, or practices of third-party services, websites, or platforms linked from or integrated with our Service.

By You

You may terminate your account at any time by:

• Cancelling your subscription through account settings
• Contacting support at support@tradejournal.co.za

By Us

We may suspend or terminate your account immediately if:

• You breach these Terms
• You engage in fraudulent or illegal activity
• Payment obligations are not met
• We are required to do so by law
• Continuing to provide Service creates risk for us or others

Effect of Termination

Upon termination:

• Your access to the Service will be immediately revoked
• Your data may be deleted after 90 days (subject to legal retention requirements)
• You remain liable for any outstanding fees
• Provisions that by their nature should survive (e.g., liability limitations, indemnification) will remain in effect

Governing Law

These Terms are governed by and construed in accordance with the laws of the Republic of South Africa. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of South Africa.

Dispute Resolution

Before initiating legal proceedings, we encourage you to:

• Contact us at support@tradejournal.co.za to resolve the issue informally
• Allow 30 days for good-faith negotiations
• Consider mediation or arbitration as alternatives to litigation

Consumer Rights

Nothing in these Terms limits your rights under the Consumer Protection Act 68 of 2008, including your right to refer complaints to the Consumer Goods and Services Ombud or the National Consumer Tribunal.

Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Tapnet (Pty) Ltd.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or any other provision.

Assignment

You may not assign or transfer these Terms without our written consent. We may assign our rights and obligations without restriction.

Force Majeure

We are not liable for any failure to perform due to circumstances beyond our reasonable control (e.g., natural disasters, war, pandemics, internet outages).