TERMS OF SERVICE

EarthExchange — Version 1.0 — Effective April 2026

PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING EARTHEXCHANGE. BY CREATING AN ACCOUNT OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE SERVICE.

1. THE SERVICE

EarthExchange ("Service", "Platform") is an automated trading software platform operated as a sole proprietorship. The Service provides software tools that allow users to connect third-party brokerage accounts (such as Alpaca) and execute automated trading strategies using algorithms based on technical indicators.

2. NOT FINANCIAL ADVICE

EarthExchange is NOT a registered investment advisor, broker-dealer, financial planner, or any other type of financial professional. Nothing on this platform constitutes financial, investment, trading, or any other form of advice. The Service is purely software automation. All trading decisions are made by algorithms you configure, not by EarthExchange or its operator. You are solely responsible for all trading activity conducted through your connected accounts.

3. RISK DISCLOSURE

Trading financial instruments including cryptocurrencies, stocks, and other assets involves substantial risk of loss and is not appropriate for every investor. You acknowledge and agree that:

  • You may lose all or more of your invested capital
  • Past performance of any strategy is not indicative of future results
  • Automated trading algorithms can malfunction, produce unexpected results, or fail entirely
  • Market conditions can change rapidly and without warning
  • Technical failures including internet outages, server failures, and API errors may prevent orders from executing or cause unintended trades
  • Cryptocurrency markets operate 24/7 and may move significantly outside of normal business hours
  • EarthExchange does not guarantee any return on investment
  • EarthExchange does not guarantee uninterrupted availability of the Service

4. ELIGIBILITY

You must be at least 18 years of age and legally permitted to trade financial instruments in your jurisdiction to use this Service. By registering, you represent and warrant that you meet these requirements. The Service is not available to residents of jurisdictions where automated trading software is prohibited.

5. YOUR ACCOUNT AND SECURITY

You are responsible for maintaining the confidentiality of your account credentials. You are responsible for all activity that occurs under your account. EarthExchange stores your brokerage API keys in our database. However, EarthExchange cannot guarantee absolute security and is not liable for unauthorized access to your account or connected brokerage accounts. We strongly recommend using API keys with trading permissions only, not withdrawal permissions.

6. SUBSCRIPTION AND PAYMENT

Access to the Service requires a paid subscription of $5.00 USD per month, processed via PayPal. Subscriptions automatically renew each month. You may cancel at any time through your account settings or PayPal. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial months. EarthExchange reserves the right to change pricing with 30 days written notice.

7. USE OF THIRD-PARTY SERVICES

The Service integrates with third-party platforms including Alpaca Securities LLC and PayPal. Your use of those services is governed by their respective terms. EarthExchange is not affiliated with, endorsed by, or responsible for Alpaca, PayPal, or any other third-party service.

8. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EARTHEXCHANGE AND ITS OPERATOR SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO TRADING LOSSES, LOSS OF PROFITS, LOSS OF DATA, OR ANY OTHER LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL THE TOTAL LIABILITY OF EARTHEXCHANGE TO YOU EXCEED THE AMOUNT YOU PAID FOR THE SERVICE IN THE THREE MONTHS PRECEDING THE CLAIM.

9. INDEMNIFICATION

You agree to indemnify and hold harmless EarthExchange and its operator from any claims, damages, losses, liabilities, costs, and expenses (including attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any applicable law or regulation.

10. TERMINATION

EarthExchange may terminate or suspend your account at any time for violation of these Terms, fraudulent activity, or for any other reason at its discretion. Upon termination, your right to use the Service immediately ceases.

11. MODIFICATIONS

EarthExchange reserves the right to modify these Terms at any time. Changes will be posted on the platform and you will be notified by email. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

12. GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Oregon. Any disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association.

13. CONTACT

For questions about these Terms: [email protected]

⚠️ RISK WARNING: Trading involves significant risk of loss. EarthExchange is software only — not financial advice. Never trade with money you cannot afford to lose. Past performance does not guarantee future results.