Terms of Service

Last updated: October 16, 2025

Effective Date: October 16, 2025

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Pairfolio, Inc. ("Company," "we," "us," or "our") regarding your use of our quantitative trading platform, website, mobile applications, and related services (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not access or use our Services.

2. Description of Services

Pairfolio provides institutional-grade quantitative trading strategies and portfolio management tools designed for sophisticated investors. Our Services include:

Real-time pair trading signals and analytics
Portfolio performance tracking and reporting
Risk management tools and compliance monitoring
Educational resources and market insights
API access for institutional integration
Custom portfolio construction and optimization

3. Eligibility and Account Requirements

3.1 Eligibility Criteria

Our Services are available exclusively to:

Accredited investors as defined by the U.S. Securities and Exchange Commission
Qualified institutional buyers (QIBs)
Institutional clients with appropriate investment authority
Professional investors in applicable jurisdictions

3.2 Account Registration

To access our Services, you must provide accurate, complete, and current information during registration. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Investment Risks and Disclaimers

IMPORTANT RISK DISCLOSURE: Trading and investing involve substantial risk of loss and are not suitable for all investors. You should carefully consider whether trading is suitable for you in light of your circumstances, knowledge, and financial resources.

Past performance does not guarantee future results
You may lose some or all of your invested capital
Market conditions can change rapidly and unpredictably
Leverage can amplify both gains and losses
Our algorithms are tools, not guarantees of success
You are solely responsible for your investment decisions

5. User Obligations and Prohibited Uses

5.1 Permitted Uses

You may use our Services only for lawful purposes and in accordance with these Terms. You agree to:

Comply with all applicable laws and regulations
Provide accurate and complete information
Maintain the security of your account
Use the Services only for your own benefit
Respect intellectual property rights

5.2 Prohibited Activities

You agree not to:

Reverse engineer, decompile, or disassemble our software
Attempt to gain unauthorized access to our systems
Use automated systems to access our Services
Distribute or resell our Services without permission
Engage in market manipulation or illegal trading activities
Violate any applicable securities laws or regulations

6. Intellectual Property Rights

The Services and their original content, features, and functionality are and will remain the exclusive property of Pairfolio and its licensors. The Services are protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

You acknowledge that our proprietary algorithms, methodologies, and trading strategies constitute valuable trade secrets and confidential information. You agree not to attempt to discover, copy, or replicate any such proprietary information.

7. Fees and Payment Terms

Access to our Services may be subject to subscription fees, transaction fees, or other charges as described in our pricing schedule. All fees are non-refundable unless otherwise specified. We reserve the right to change our fees with 30 days' notice.

You are responsible for all taxes, duties, and other governmental charges related to your use of our Services. Payment must be made in advance and in the currency specified.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PAIRFOLIO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF THE SERVICES.

Our total liability to you for any damages arising from or related to these Terms or the Services shall not exceed the amount you paid us for the Services in the twelve (12) months preceding the claim.

9. Indemnification

You agree to defend, indemnify, and hold harmless Pairfolio and its officers, directors, employees, and agents from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including attorney's fees) arising from your use of the Services or violation of these Terms.

10. Termination

We may terminate or suspend your account and access to the Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use the Services will cease immediately. All provisions of these Terms which by their nature should survive termination shall survive termination.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

12. Regulatory Compliance

Our Services are designed to comply with applicable securities laws and regulations. However, you are responsible for ensuring that your use of our Services complies with all applicable laws in your jurisdiction. We are not responsible for any regulatory violations resulting from your use of our Services.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website and updating the "Last updated" date. Your continued use of the Services after such changes constitutes acceptance of the updated Terms.

14. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid provision will be replaced with a valid provision that most closely approximates the intent of the original provision.

15. Contact Information

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

General Support: [email protected]