Terms of Service

Summary. Premo Trading is a journalling, analytics and data tool for traders. It is not a broker, adviser or signal service, and nothing in it is investment advice. You use the Services entirely at your own risk: to the maximum extent the law allows, we are not responsible for your trading decisions or losses, or for downtime, data errors or AI output (sections 12 to 18). Subscriptions renew automatically until you cancel. Your trade data is yours. Please read the Risk Disclaimer before you rely on anything you see in the platform.

1. Who we are

These Terms of Service (“Terms”) govern your use of the Premo Trading website at premotrading.com and the Premo Trading platform (together, the “Services”). Premo Trading (“Premo,” “we,” “us,” or “our”) is a trade name of Infradev Consulting Inc., a company located at 4-186 Pl. Sutton, Beaconsfield, Quebec, H9W 5S3, Canada.

By creating an account, purchasing a subscription or otherwise using the Services, you agree to these Terms, our Privacy Policy, our Billing, Cancellation and Refund Policy and our Risk Disclaimer. If you do not agree, do not use the Services.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Services. If you use the Services on behalf of a company, you confirm that you are authorized to accept these Terms for it.

3. Not investment advice

Premo Trading provides software for recording, reviewing and analysing trading activity and market data. We are not a broker, dealer, investment adviser, portfolio manager or commodity trading advisor, and we are not registered as any of these with any securities or derivatives regulator.

Nothing in the Services, including analytics, gamma exposure (GEX) levels, strike profiles, AI-generated alerts, scans or summaries, is a recommendation to buy, sell or hold any security, futures contract or other instrument. You alone are responsible for your trading decisions and their results.

General information only. Everything in the Services is general in nature. It is not based on, or tailored to, your financial situation, investment objectives, experience, risk tolerance, positions or any other circumstances of any particular person. No securities or derivatives regulator has reviewed or approved the Services or anything in them.

Our own trading. Our owners, employees and contractors may trade for their own accounts, including in instruments that appear in the Services, such as in scans, levels and alerts. They may hold positions that are the same as, or opposite to, positions you take, and may enter or exit them at any time without notice to you.

4. Your account

• Accounts are personal. Do not share your credentials or let anyone else use your account.
• You are responsible for all activity under your account and for keeping your password secure.
• Give us accurate information and keep it up to date.
• Tell us promptly at dev@infradevconsulting.com if you believe your account has been compromised.

We may suspend or close an account that breaches these Terms, puts the Services or other users at risk, or is used for fraud.

5. Plans, billing and renewal

Plans. We offer paid plans, currently Complete Trade Journal and AI Stock Scanner, as described on our Pricing page and in our Billing, Cancellation and Refund Policy. Each plan can be billed monthly or yearly.

Payment. Payments are processed by Stripe. By subscribing, you authorize us, through Stripe, to charge your payment method for the plan you choose. We do not see or store your full card number.

Automatic renewal. Subscriptions renew automatically at the end of each billing period, monthly or yearly, at the then-current price, until you cancel.

Price changes. If we change the price of your plan, we will tell you at least 30 days before the change applies to your next renewal. If you do not agree, you can cancel before the new price takes effect.

Taxes. Prices are shown in US dollars and exclude applicable taxes, which are added at checkout where required.

Cancellation and refunds. You can cancel at any time from your account. See our Billing, Cancellation and Refund Policy for what happens when you cancel and when refunds apply.

6. Membership

Members-only features, currently GEX & Strike Profiles and AI Strategy Alerts (“Membership”), are not sold as a plan. Access is by request and is granted at our sole discretion after review. Membership is personal and non-transferable. We may set conditions for membership, change what it includes, or end it, and we will give reasonable notice where we can.

7. Acceptable use

You agree not to:

• copy, resell, redistribute, publish or broadcast data, levels, signals or other output from the Services, including GEX levels, strike profiles and AI strategy alerts, except for your own personal trading;
• share your account, or make the Services available to anyone else;
• scrape, crawl or extract data from the Services by automated means;
• reverse engineer, decompile or try to derive the source code or models behind the Services, except where the law expressly permits it;
• interfere with or disrupt the Services, probe them for vulnerabilities, or get around any security or usage limit;
• use the Services to break any law or the rules of any exchange, broker or prop-trading firm you trade with.

AI features are subject to fair-use limits that protect the Services for all users. We may limit usage that goes well beyond normal personal use.

8. Market data and third-party services

The Services use data and services from third parties, such as market data providers, options exchanges, payment processors and AI providers. That data may be delayed, incomplete or inaccurate, and it is provided “as is.” Some providers impose their own terms on how their data can be used, and you agree to follow them. We are not responsible for third-party services, and their availability may change.

9. AI features

AI features generate output automatically. That output can be wrong, incomplete or out of date, and it is not reviewed by a person before you see it. Treat it as a starting point for your own analysis, never as advice or a guarantee.

10. Your data

You keep all rights to the trade data, notes and other content you put into the Services (“Your Data”). You give us a limited licence to host, process and display Your Data only as needed to provide the Services to you and to keep them secure. We do not sell Your Data, use it for any other purpose, or use it to train AI models. How we handle personal information is described in our Privacy Policy.

If your subscription ends and you do not renew, we keep Your Data for 6 months so you can come back and continue where you left off, and then delete it. You can export it, or ask us to delete it sooner, as described in the Privacy Policy.

11. Our intellectual property

The Services, including the software, design, calculations, text, graphics and logos, belong to us or our licensors and are protected by law. Subject to these Terms and your subscription, we grant you a personal, non-exclusive, non-transferable right to use the Services for your own trading. All other rights are reserved.

If you send us feedback or suggestions, we may use them without any obligation to you.

12. Availability, downtime and data

The Services are provided on an “as available” basis. We do not guarantee that the Services, or any data, calculation, level, alert or AI output in them, will be available, uninterrupted, timely, accurate, complete or error-free at any time, including during market hours, at the open or close, or in periods of high volatility. Outages, maintenance, delays, software defects, data errors and failures of our providers, including hosting, market data and AI providers, can happen without warning.

Do not depend on the Services to place, manage, monitor or exit positions, or to manage risk. Always keep your own independent means of doing so, such as your broker’s platform and protective orders held at your broker.

Quebec consumers: the following paragraph does not apply to you to the extent it would free us from the consequences of our own acts or those of our representatives. Downtime, delays, errors, and lost or corrupted data do not entitle you to compensation, credits or refunds, except as set out in our Billing, Cancellation and Refund Policy or where the law requires.

We may change, add or remove features. If we remove a significant feature of a paid plan, we will tell you in advance.

13. Your responsibility and assumption of risk

By using the Services, you acknowledge and agree that:

• trading securities, futures, options and other instruments involves substantial risk of loss, and you can lose more than you invest;
• every trading decision you make is yours alone, made on your own judgment and at your own risk, whether or not you used the Services, and whether you followed, ignored or misunderstood anything in them;
• analytics, statistics, GEX levels, strike profiles, scans, alerts, AI output, indicators, psychology insights, educational material, feedback and every other part of the Services are information tools only. They are not advice, recommendations or signals to trade, and they can be wrong;
• you are responsible for checking any information against your broker, the exchange and other independent sources before you act on it;
• you are responsible for your own tax, regulatory, broker and prop-trading-firm obligations; and
• you assume all risk of loss arising from your trading and from your use of, reliance on, or inability to use the Services.

14. Disclaimer of warranties

To the maximum extent permitted by law, the Services and everything in them are provided “as is,” “as available” and “with all faults,” without warranty, representation or condition of any kind, whether express, implied or statutory, or arising from a course of dealing or usage of trade. This includes any warranty or condition of merchantability, quality, fitness for a particular purpose, accuracy, timeliness, completeness, availability, title and non-infringement.

We do not warrant that the Services will meet your requirements or produce any particular result, or that defects will be corrected. No information you obtain from us, through the Services or otherwise, creates a warranty that is not expressly stated in these Terms.

15. Limitation of liability

In this section and sections 16 and 17, the “Premo Parties” means Infradev Consulting Inc. and its shareholders, directors, officers, employees, contractors, agents, licensors and service providers.

Quebec consumers: the rest of this section does not apply to you to the extent it would free us from the consequences of our own acts or those of our representatives.

To the maximum extent permitted by law, the Premo Parties are not liable to you or to anyone claiming through you for:

• any trading or investment loss, including losses on positions opened, held, closed, or not taken;
• lost profits, revenue, opportunities, savings or goodwill;
• loss, corruption or inaccuracy of data;
• any loss caused by downtime, interruption, delay, inaccurate or delayed data, AI output, software errors, security incidents, or the acts or failures of third parties, including brokers, exchanges, prop-trading firms, and data, AI and hosting providers; or
• any indirect, incidental, special, consequential, exemplary or punitive damages,

arising out of or relating to these Terms or the Services, however caused and on any theory of liability, including contract, extra-contractual liability, tort, negligence, strict liability or statute, even if we were told that such a loss was possible.

To the maximum extent permitted by law, the total liability of the Premo Parties for all claims together relating to these Terms or the Services is limited to the fees you actually paid us for the Services in the three (3) months before the event giving rise to the first claim.

These limits apply even if a remedy fails of its essential purpose. They are an essential part of the agreement between us: the price of the Services reflects them, and we would not offer the Services without them.

16. Release

Quebec consumers: this section does not apply to you.

To the maximum extent permitted by law, you release the Premo Parties from all claims, demands and damages, known or unknown, arising out of or relating to your trading decisions, your trading results, or your use of, reliance on, or inability to use the Services.

If you are a California resident, you waive California Civil Code section 1542, which says: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.” You waive any similar law of any other jurisdiction to the same extent.

17. Indemnity

To the extent permitted by law, you agree to defend, indemnify and hold harmless the Premo Parties from and against all claims, liabilities, damages, losses, costs and expenses, including reasonable legal fees, arising out of or relating to: your trading; your use or misuse of the Services; your breach of these Terms; your violation of any law or of any third party’s rights or terms, including those of a broker, exchange, data provider or prop-trading firm; or any content or data you provide.

18. Time limit for claims

Quebec consumers: this section does not apply to you.

To the extent permitted by law, any claim arising out of or relating to these Terms or the Services must be started within one (1) year after the claim arises, or it is permanently barred.

19. Ending the agreement

You can stop using the Services and cancel your subscription at any time. We may suspend or end your access if you materially breach these Terms, if we are required to by law, or if we stop offering the Services. If we end the Services for reasons other than your breach, we will refund any prepaid fees for the unused period. Sections 3, 7 and 11 to 18, sections 21 and 22, and any other sections that by their nature should survive termination, will survive.

20. Changes to these Terms

We may change these Terms, including the price of a plan, the features a plan includes, and any other provision of these Terms.

If a change increases your obligations or reduces ours, we will send you a written notice by email at least 30 days before it takes effect. The notice will set out, in clear and readable terms, the new or amended clause and the clause as it read before, the date the change takes effect, and your right to refuse the change and cancel your subscription without cost, penalty or cancellation indemnity by telling us within 30 days after the change takes effect.

Other changes, such as clarifications or changes required by law, take effect when we post them, and the “Last updated” date at the top of this page shows when that happened. If you keep using the Services after a change takes effect, you accept the updated Terms.

21. General

Entire agreement. These Terms, together with the policies they refer to, are the entire agreement between you and us about the Services and replace any earlier agreement or understanding about them.

Force majeure. We are not responsible for any delay or failure to perform caused by events beyond our reasonable control, including outages or failures of hosting, network, market data, AI or payment providers, exchange or market disruptions, power or internet failures, cyberattacks, labour disputes, acts of government, epidemics, natural disasters, war or civil unrest.

Electronic communications and notices. You agree to receive agreements, notices and other communications from us electronically, by email to the address on your account or in the platform, and that these satisfy any requirement that they be in writing. Notices to us must be sent to dev@infradevconsulting.com.

Assignment. You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms in connection with a merger, acquisition, reorganization or sale of all or part of our business, and we will tell you if we do.

No waiver. If we do not enforce a provision of these Terms, that is not a waiver of our right to enforce it later.

Relationship. Nothing in these Terms creates a partnership, joint venture, employment, agency, advisory or fiduciary relationship between you and us.

Interpretation. Headings are for convenience only. “Including” means “including without limitation.”

Language. These Terms were provided to you in French first (version française). By accepting this English version, you have expressly chosen to be bound by the English version.

22. Governing law

These Terms are governed by the laws of the Province of Quebec and the federal laws of Canada applicable therein. The courts of the judicial district of Montreal, Quebec, have jurisdiction over any dispute, unless the law where you live gives you the right to bring proceedings in your own jurisdiction.

Consumers. If you are a consumer, including under the Quebec Consumer Protection Act, nothing in these Terms limits the rights you have under laws that cannot be waived by contract. Sections 12 to 18 apply to you only to the extent those laws permit, and nothing in these Terms excludes or limits liability for intentional or gross fault. Where any term conflicts with those laws, the law prevails.

Severability. If any part of these Terms is found invalid or unenforceable, it is limited or removed only to the minimum extent necessary, and the rest of these Terms remains in full effect.

23. Contact

Questions about these Terms? Contact us at dev@infradevconsulting.com or 514-437-1864.