1. Who we are and what this is

These Terms of Service ("Terms") are a binding agreement between you and Caissavest ("Caissavest", "we", "us") for the Caissavest website, emails and any related services (the "Service"). By creating an account, checking the agreement box, or using the Service, you accept these Terms, the Privacy Policy and the Risk Disclosure. If you do not agree, do not use the Service.

2. Research and education only: not investment advice

The Service publishes general, impersonal market research produced by a rules-based model: market conditions, model portfolios, backtests, a public track record and, for Pro members, the model's picks for the next trading session. The same content is published to every member on a plan. It is not tailored to your finances, goals, tax situation or risk tolerance.

Caissavest is not a registered investment adviser, broker-dealer, financial planner or tax adviser, and nothing in the Service is a recommendation that any particular investment, security, portfolio or strategy is suitable for you, or an offer or solicitation to buy or sell any security. We do not manage money, hold funds, or place, route or execute trades for anyone. You make every decision yourself and are solely responsible for it. Consider talking to a licensed professional before you invest.

2a. Our own trading and conflicts of interest

The people who run Caissavest may own, buy or sell stocks and funds that appear in the research, including current picks, and may hold the same positions members do. To make sure we never trade ahead of members, we follow one rule: we do not buy or sell a stock that is in a pick until that pick has been published to members and the next regular market session has opened. When we follow a pick ourselves, we use the same published entry and exit rules members see, no earlier than members can.

Caissavest is not paid by any company, fund or broker to feature, rate or recommend a stock, and does not accept payment for picks. If that ever changes, we will say so next to the research it affects.

3. Eligibility and your account

You must be at least 18 years old and able to form a binding contract to use the Service. You agree to give accurate information, keep your password private, and tell us promptly at caissavest@gmail.com if you think your account has been used without permission. You are responsible for activity under your account. One person per account; accounts may not be shared.

4. Pro subscription, automatic renewal and cancellation

Pro is a paid subscription billed in advance through our payment processor, Stripe. Your subscription renews automatically at the then-current price (currently $9.99 a month, or $75 a year on the annual plan) on the same day each billing period until you cancel. You authorize us and Stripe to charge your payment method for each renewal.

You can cancel at any time from the Account page (Manage billing). Cancellation stops future renewals; you keep Pro until the end of the period you already paid for. Except where the law requires otherwise, payments are non-refundable and we do not give refunds or credits for partial periods. We will give you notice before any price change takes effect, and you can cancel before it applies. Taxes, if any, are added at checkout.

5. Acceptable use

The research is licensed to you for your own personal, non-commercial use. You agree not to:

• copy, resell, republish, redistribute or share Pro picks, emails or data with anyone who is not a Pro member, including in chat groups or on social media;
• scrape, crawl or bulk-download the Service, or use it to build a competing product;
• probe, attack, overload or try to get around the Service's security or plan limits;
• use the Service for anything unlawful, including market manipulation.

We may suspend or close accounts that break these rules, without refund.

5a. Your trade journal

The journal is a private notebook for trades you make yourself, at your own broker. You type every entry; we do not check it against any account, and its totals are simple calculations on what you entered (they ignore fees, dividends and taxes). The content is yours: you can export or delete it at any time, and we use it only to show it to you and to run the Service. Hints shown next to an entry apply the same general rules every member sees and are not advice about your trade. Please do not put account numbers or other sensitive information in notes.

5b. Play (learning games)

The Play section (terms of the day, market puzzles, ratings, titles, streaks and badges) is for education and fun. Points, ratings, titles and badges have no cash value, cannot be bought, sold, transferred or exchanged for anything, and no prizes are offered. Nothing in Play rewards placing trades. Market puzzles use hypothetical backtest trades and made-up drills; they are not advice or predictions. We may change, reset or end Play at any time.

6. Performance information

Backtested and hypothetical results are produced by applying the model's rules to past prices. They were not earned by anyone, benefit from hindsight in how the rules were designed, and do not reflect the effect of real trading on prices, real fills, taxes, or every fee. Live results shown on the site are graded at real market prices but assume you traded each pick exactly as published, which you may not. Past performance, whether real or hypothetical, does not guarantee future results. See the Risk Disclosure.

7. Data sources and availability

Market data comes from third parties and may be delayed, incomplete or wrong. We try to keep the Service accurate and running but do not promise it will be uninterrupted, error-free or delivered on time, and an email or page may arrive late or not at all. Do not rely on the Service as your only source for a trading decision. Charts embedded from TradingView are TradingView's content and data, shown under its terms.

How the research is made. Picks, exit prices and option ideas come from fixed, backtested rules applied to market data; they are not the judgment of a person or an AI about you. Caissavest uses AI tools to help operate the Service, for example to run the model, check data and write summaries. AI tools can make mistakes, so treat every figure as something to verify.

8. Intellectual property

The Service, its software, text, models, charts and design belong to Caissavest or its licensors and are protected by law. Apart from the personal-use license in section 5, no rights are granted to you. If you send us feedback, we may use it without obligation to you.

9. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT THE LAW ALLOWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY PICK, BACKTEST OR STRATEGY WILL MAKE MONEY OR AVOID LOSSES.

10. Limitation of liability

TO THE FULLEST EXTENT THE LAW ALLOWS, CAISSAVEST AND ITS OWNERS, EMPLOYEES AND SUPPLIERS ARE NOT LIABLE FOR ANY TRADING OR INVESTMENT LOSSES, LOST PROFITS, OR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF WE WERE TOLD THEY WERE POSSIBLE. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR $50 IF YOU PAID NOTHING. Some places do not allow certain limits, so some of these may not apply to you.

11. Indemnity

You agree to defend and indemnify Caissavest against claims, losses and costs (including reasonable legal fees) arising from your misuse of the Service, your trading decisions, or your breach of these Terms.

12. Disputes

Please contact us first at caissavest@gmail.com; most problems can be solved quickly. These Terms are governed by the laws of [State] and applicable U.S. federal law, without regard to conflict-of-law rules. Any dispute that cannot be resolved informally will be handled in the state or federal courts located in [State], unless your local law gives you the right to bring it elsewhere. [Arbitration and class-action terms to be decided with counsel.]

13. Ending your account; changes to these Terms

You may stop using the Service and delete your account at any time by emailing caissavest@gmail.com. We may suspend or end the Service or your account at any time, for example for a breach of these Terms; if we end a paid plan for reasons other than your breach we will refund the unused part of your current period. We may update these Terms; if a change is material we will ask you to agree again before you continue to use the Service. Sections 2, 6 and 8 to 12 survive the end of your account.

14. Contact

Questions about these Terms: caissavest@gmail.com.