Terms of Service

These Terms of Service ("Terms") are an agreement between you and T2MA Labs LLC, a New Mexico limited liability company ("T2MA Labs", "we", "us"). They cover your use of Fips, including the websites fipsapp.com and app.fipsapp.com, the Fips mobile and desktop apps, and related services (together, the "Service").

By creating an account or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

1. Who we are

Fips is provided by T2MA Labs LLC, 1209 Mountain Road Pl NE, Ste N, Albuquerque, NM 87110, USA. You can reach us at [email protected].

2. What Fips is, and what it is not

Fips is a set of tools for traders: a trading journal, calculators, an economic calendar, backtesting and performance analytics.

Fips is not a broker, investment adviser or financial institution. It never places, changes or closes orders, never holds your money and cannot move funds. Nothing in the Service is financial, investment, tax or legal advice. You make your own trading decisions and you are responsible for them. Please read our Risk Disclosure.

3. Beta and access

Fips is in beta. Access is by invitation from our waitlist, and we decide who receives an invitation and when. Beta features may change, be limited or be removed, and may contain errors.

4. Eligibility and your account

You must be at least 18 years old and able to enter into a binding contract to use Fips. When you create an account:

• give accurate information and keep it up to date;
• keep your login details secure; you are responsible for activity under your account;
• tell us at once at [email protected] if you think someone else has accessed your account.

Some features of the mobile app can be used as a guest without an account. Guest data is linked to your device rather than to an email address.

5. Plans, free trial and billing

• Free: no charge and no time limit. Includes 30 days of trade history.
• Pro: $19.99 per month or $139 per year.
• Team: $69.99 per month or $559 per year.

Prices are in US dollars. Sales tax, VAT or similar taxes are added where the law requires.

Free trial. Pro starts with a 7-day free trial. A payment card is required to start it. If you cancel before the trial ends, you are not charged. If you do not cancel, your Pro subscription starts when the trial ends and the plan you chose is charged to your card.

Automatic renewal. Paid subscriptions renew automatically at the end of each billing period (monthly or yearly) until you cancel. You can cancel at any time, and you keep access until the end of the period you have paid for.

Who takes your payment. On the web, payments are handled by our payment provider, which may act as the merchant of record (the seller of record for your purchase). In that case its terms of sale also apply to the payment, and receipts and refunds come from it. In the mobile apps, purchases go through the Apple App Store or Google Play and follow their terms.

Price changes. We may change prices for future billing periods. We will tell you before a change applies to you, and it takes effect from your next renewal. If you do not accept it, you can cancel before then.

Refunds. Cancellations and refunds are covered by our Refund Policy.

6. Connecting a trading account

If you connect a MetaTrader 5 account, you give us its account number, server and investor (read-only) password. We use them only to read your balances and trade history. An investor password cannot place trades or move money. Never give us, or anyone else, your trading (master) password. You can disconnect an account at any time. Your broker's own terms continue to apply to your trading account.

7. Your content

Trades, notes, screenshots, tags and anything else you add to Fips remain yours. You give us a limited permission to store, process and display that content only to run the Service for you, for example to sync it across your devices and to calculate your analytics. If you use a feature that shares content with others, the people you share it with can see it.

8. Acceptable use

You agree not to:

• use the Service for anything unlawful or fraudulent;
• try to access other people's accounts or data, or probe, scan or attack our systems, except as allowed by our Security Policy;
• copy, decompile or reverse engineer our apps, except where the law allows it;
• scrape, resell or redistribute the Service or its data, including market and calendar data;
• overload the Service or interfere with how it works;
• share your account or resell access to it.

9. Market data and third-party services

Prices, economic calendar events and other market data come from third parties and may be delayed, incomplete or wrong. Check a primary source, such as your broker's platform, before acting on them. Services you use together with Fips, such as your broker, Apple, Google or our payment provider, have their own terms, and we are not responsible for them.

10. Our intellectual property

The Service, including its software, design, text, logos and the Fips name, belongs to T2MA Labs or its licensors. These Terms give you a personal, non-exclusive, non-transferable and revocable right to use the Service for its intended purpose. Our apps are also covered by our End-User License Agreement. If you send us feedback or ideas, we may use them without any obligation to you.

11. Disclaimers

To the extent the law allows, the Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We do not promise that the Service will be uninterrupted or error-free, or that its data, calculations or analytics will be accurate or complete.

12. Limitation of liability

To the extent the law allows:

• we are not liable for trading losses, lost profits, lost data, or any indirect, incidental, special, consequential or punitive damages;
• our total liability for all claims relating to the Service is limited to the greater of the amount you paid us in the 12 months before the claim and US$100.

Nothing in these Terms limits liability that cannot be limited by law, such as liability for fraud or for death or personal injury caused by negligence.

13. Indemnity

You agree to cover reasonable losses and costs, including legal fees, arising from third-party claims caused by your breach of these Terms or your misuse of the Service. This section applies only to the extent your local consumer law allows it.

14. Suspension and termination

You can stop using Fips at any time and delete your account as described in our Privacy Policy. Deleting your account does not cancel a subscription bought through Apple or Google; cancel that in your store account.

We may suspend or close your account if you seriously or repeatedly breach these Terms, if the law requires it, or to protect the Service or other users. Where reasonable, we will tell you first and explain why. If we close a paid account when you have not breached these Terms, we will refund the unused part of your subscription. If we stop offering the Service altogether, we will give you reasonable notice.

15. Changes to these Terms

We may update these Terms. If a change is material, we will tell you by email or in the app before it takes effect. If you keep using the Service after that, the updated Terms apply. If you do not agree with them, you can cancel and stop using the Service.

16. Governing law and disputes

These Terms are governed by the laws of the State of New Mexico, USA, and applicable US federal law, without regard to conflict-of-law rules. Disputes will be heard by the state or federal courts located in Bernalillo County, New Mexico, and you and we agree to their jurisdiction.

If you are a consumer living in the European Union or European Economic Area, the United Kingdom or Turkey, you keep the protection of the mandatory consumer laws of your country of residence, and you may also bring a claim in the courts of that country or use its consumer dispute bodies. Nothing in these Terms takes those rights away.

Before starting a formal dispute, please email us. Most problems can be solved quickly that way.

17. General

These Terms, together with the policies they refer to, are the entire agreement between you and us about the Service. If any part is found unenforceable, the rest stays in effect. If we do not enforce a right, we have not waived it. You may not transfer your rights under these Terms without our consent. We may transfer ours as part of a merger, acquisition or sale of assets, and will tell you if we do.

18. Contact

T2MA Labs LLC, 1209 Mountain Road Pl NE, Ste N, Albuquerque, NM 87110, USA. Email: [email protected]