Terms of Service

1. Acceptance of Terms

Welcome to Architrade ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our web-based platform application that provides investors and traders with tools to interact with their financial data and create custom spreadsheets for portfolio performance analysis and management.

By accessing or using our service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our service.

2. Description of Service

Architrade is a web-based platform that integrates with Charles Schwab's API services to help users access, analyze, and organize their trading and investment information in personalized tabular formats and reports. Our Service operates on a multi-tenant architecture, ensuring secure separation of user data while providing seamless analytical tools for financial decision-making.

Our platform allows you to:

• Connect to your Charles Schwab brokerage account
• Create custom spreadsheets
• Analyze your trading and investment performance
• Export data in multiple formats (CSV, JSON)

3. User Accounts

To use our Service, you must create an account and provide accurate, current, and complete information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Ensuring you meet the minimum age requirement of 18 years
• Complying with all applicable laws and regulations

4. Acceptable Use Policy

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws
• Interfere with or disrupt the Service or servers connected to the Service
• Attempt to gain unauthorized access to any part of the Service
• Use the Service to transmit any harmful, threatening, or offensive content
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated systems to access the Service without our written permission

5. Third-Party Integration

Our Service integrates with Charles Schwab's API using OAuth 2.0 authentication. By using our Service, you acknowledge that:

• You must have a valid Charles Schwab brokerage account
• You agree to Charles Schwab's terms of service and API usage policies
• We are not affiliated with, endorsed by, or sponsored by Charles Schwab
• Charles Schwab's services are subject to their own terms and conditions

6. Subscription and Payment

We offer both free and paid subscription plans. For paid subscriptions:

• Fees are billed in advance on a monthly or annual basis
• All fees are non-refundable unless required by law
• We may change subscription fees with 30 days' notice
• Failure to pay may result in suspension or termination of your account
• You may cancel your subscription at any time

7. Intellectual Property

The Service and its original content, features, and functionality are owned by Architrade and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You retain ownership of any data you input into the Service. However, you grant us a limited license to use this data to provide the Service to you.

8. Disclaimers and Limitation of Liability

IMPORTANT: The Service is provided "as is" without warranties of any kind. We do not provide investment advice, and the Service is for informational and analytical purposes only.

• We are not responsible for investment decisions made using our Service
• Financial data may be delayed or inaccurate; always verify with official sources
• Past performance does not guarantee future results
• Our liability is limited to the amount you paid for the Service in the 12 months preceding the claim

9. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including breach of these Terms.

Upon termination, your right to use the Service will cease immediately, and any data associated with your account may be deleted.

10. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting the updated Terms on our website and updating the "Last Updated" date.

Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms or your use of the Service will be resolved through binding arbitration.

12. Contact Us

If you have any questions about these Terms of Service, please contact us at:

contact@tradehouse.io