Terms of Service

1. Acceptance of Terms

By accessing or using the PipsPal platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Service.

2. Description of Service

PipsPal provides:

• AI-Powered Broker Matching: Proprietary algorithms that match users with suitable forex brokers
• Broker Comparison Tools: Information and comparisons of various forex brokers
• Educational Resources: Trading guides, articles, and educational content
• Live Market Data: Real-time spread monitoring and market information
• Reviews and Analysis: Expert broker reviews and market analysis

3. User Responsibilities

3.1 Eligibility

• You must be at least 18 years old to use this Service
• You must have the legal capacity to enter into these Terms
• Your use must comply with all applicable laws and regulations

3.2 Account Conduct

• Provide accurate and truthful information in your trading profile
• Use the Service only for legitimate comparison and educational purposes
• Not attempt to manipulate, reverse-engineer, or compromise our AI algorithms
• Not engage in any activity that could harm or disrupt the Service

4. Intellectual Property Rights

4.1 PipsPal Proprietary Technology

The following are proprietary to PipsPal and protected by intellectual property laws:

• AI Matching Algorithms: Our proprietary broker matching technology
• Data Quality Validation Systems: Automated broker data verification processes
• Compatibility Scoring Methods: Mathematical models for broker-user matching
• Platform Software: Website code, design, and functionality
• Content and Analysis: Broker reviews, educational materials, and market analysis
• Trademarks: "PipsPal" name, logo, and associated branding

4.2 Restrictions

You may NOT:

• Copy, modify, or reverse-engineer our AI algorithms or matching systems
• Extract, scrape, or systematically collect data from our platform
• Create competing services using our proprietary methods or data
• Use our trademarks, branding, or copyrighted content without permission
• Attempt to decompile, disassemble, or hack our platform

5. AI Algorithm and Data Usage

5.1 Algorithm Protection

Our AI matching algorithms represent significant intellectual property investment and are protected by:

• Trade secret protections
• Copyright in the software code
• Technical access controls and monitoring
• Legal remedies for unauthorized access or copying

5.2 Data Integrity

You agree not to:

• Submit false or misleading profile information that could skew our algorithms
• Attempt to manipulate matching results through fake accounts or profiles
• Use automated tools to interact with our matching system

6. Third-Party Broker Relationships

6.1 Broker Independence

• We maintain commercial relationships with some featured brokers
• Our matching algorithms operate independently of commercial arrangements
• Broker rankings are based on objective compatibility with your profile
• We may receive affiliate commissions from broker partnerships

6.2 Broker Interactions

When you interact with brokers through our platform:

• You enter into direct relationships with those brokers
• PipsPal is not responsible for broker conduct, services, or trading outcomes
• All trading activities are subject to the broker's own terms and conditions
• Disputes with brokers must be resolved directly with them

7. Disclaimers and Limitations

7.1 No Financial Advice

7.2 Trading Risk Acknowledgment

By using our Service, you acknowledge that:

• Forex and CFD trading involves substantial risk of loss
• You may lose more than your initial investment
• Past performance does not indicate future results
• You are solely responsible for your trading decisions
• You should seek independent financial advice before trading

7.3 Service Availability

We provide our Service on an "as is" basis and do not guarantee:

• Continuous, uninterrupted access to the platform
• Accuracy of all broker data or market information
• Compatibility of matched brokers for your specific needs
• Performance of third-party broker services

8. Limitation of Liability

To the maximum extent permitted by law:

• PipsPal's total liability shall not exceed $100 or the amount you paid to use our Service
• We are not liable for any indirect, consequential, or punitive damages
• We are not responsible for trading losses or broker-related issues
• We disclaim all warranties, express or implied, regarding the Service

9. Indemnification

You agree to indemnify and hold PipsPal harmless from any claims, damages, or expenses arising from:

• Your use of the Service
• Your trading activities with any broker
• Your violation of these Terms
• Any unauthorized use of our proprietary technology

10. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information, including data used in our AI matching algorithms.

11. Modification of Terms

We may modify these Terms at any time by:

• Posting updated Terms on our website
• Providing notice of material changes
• Updating the "Last Modified" date

Continued use of the Service after modifications constitutes acceptance of the updated Terms.

12. Termination

12.1 Termination by You

You may stop using our Service at any time. Data deletion requests can be made through our Privacy Policy procedures.

12.2 Termination by Us

We may terminate or suspend your access for:

• Violation of these Terms
• Suspicious or fraudulent activity
• Attempts to compromise our AI systems
• Legal or regulatory requirements

13. Dispute Resolution

13.1 Governing Law

These Terms are governed by the laws of [Your Jurisdiction], without regard to conflict of law principles.

13.2 Arbitration

Any disputes arising from these Terms or the Service shall be resolved through binding arbitration, except for:

• Claims involving intellectual property infringement
• Requests for injunctive relief
• Small claims court actions

14. Contact Information

For questions about these Terms:

• General Inquiries: legal@pipspal.com
• Technical Support: support@pipspal.com
• Intellectual Property: ip@pipspal.com

15. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.