Terms of Service

1. Eligibility

You must be at least 18 years old and able to enter into a binding contract to use the Service. You are responsible for complying with the laws that apply where you live, and you must not use the Service where doing so would be unlawful.

2. What the Service is

The Service is an educational market-analytics dashboard covering XRP and the XRP Ledger. It presents price charts, indicators, on-chain metrics, derivatives positioning, news summaries and statistical model output.

It is an information tool only. We are not a broker, exchange, custodian, investment adviser or fiduciary. We do not hold, transmit, manage or take custody of any funds or digital assets on your behalf, and nothing in the Service executes a trade for you.

3. No financial advice

Nothing in the Service is investment, trading, legal, tax or accounting advice, and nothing in it is a recommendation, solicitation or offer to buy or sell any asset. Signals, scores, predictions, forecasts and automated (“AI”) output are commentary on public data produced by rules and statistical models. They can be wrong, they are not personalised to your circumstances, and past performance is not a guide to future results.

Digital assets are highly volatile and you can lose everything you put in. You alone are responsible for your decisions and their outcome.

4. Your account

Provide accurate account information and keep your password secure. One account per person: do not share your credentials, and do not resell, sublicense or otherwise give others access to your account. You are responsible for all activity that happens under your account, so tell us promptly through the in-app support chat if you believe it has been compromised.

5. Subscriptions, billing and renewal

Paid features require an active subscription. The plans and prices in effect when you subscribe are the ones shown on the plans card and on the secure checkout page at that moment, and the amount charged is resolved on our server rather than by your browser.

Payments are processed by Base44 Payments (Wix Payments). Card and billing details are entered on their secure checkout page and go directly to the payment provider; we never see or store your card number.

Subscriptions renew automatically at the interval you selected and continue to renew until you cancel. If a plan includes an introductory or discounted period, it converts automatically to the standard ongoing price shown at checkout when that period ends. We may change prices with notice, and a change applies from your next renewal after the notice.

We email a confirmation of what you bought every time you are charged, and we email you again before a 6-month or 12-month plan renews, stating the amount due, the renewal date and how to cancel.

6. Cancelling, and refunds

You can cancel at any time, online, with one click from the Premium Plan card on your dashboard: press Cancel auto-renewal and confirm. Cancelling is never harder than subscribing was, and you do not have to contact us to do it, though you may ask us through the support chat instead. Cancelling stops future renewals and your access continues until the end of the period you have already paid for. The Refund & Cancellation Policy sets all of this out in full.

Except where the law requires otherwise, payments are non-refundable and we do not give partial-period refunds. If you believe you were charged in error, contact us and we will put it right.

7. Free and promotional access

We may give free, discounted or time-limited access, including short trial passes. These end automatically when their stated time runs out, can be withdrawn if misused, and do not create an ongoing entitlement or any expectation of continued free access.

8. Acceptable use

You agree not to:

• use the Service unlawfully, or in any way intended to manipulate a market or a price
• copy, scrape, harvest, resell, sublicense or redistribute the Service, its data or your access to it
• reverse engineer, decompile, or attempt to bypass authentication, paywalls, gating or rate limits
• interfere with, overload or disrupt our systems or the third-party data sources the Service relies on
• misrepresent an affiliation with us, with Ripple Labs, or with any exchange or venue

9. Third-party data and services

The Service aggregates data from third parties, including exchange APIs, public XRP Ledger nodes, embedded charting widgets, and news and social sources. Those providers' own terms also apply to their data.

We do not control third-party sources and do not warrant their accuracy, completeness or timeliness. Feeds may be delayed, rate-limited, discontinued or blocked, and a card may show stale, partial or failed values as a result. Some third-party sources are experimental or derived from public data, and should be treated as indicative rather than authoritative.

10. Intellectual property

The Service, including its branding, layout, source code and original content, belongs to us or our licensors. While your access is active we grant you a personal, non-exclusive, non-transferable and revocable licence to use the Service for your own purposes. All rights not expressly granted are reserved.

“XRP” and “Ripple” are the marks of their respective owners. We are an independent product, not affiliated with, sponsored by, or endorsed by Ripple Labs, any exchange or any data provider, and our use of those names is descriptive.

11. Availability and changes to the Service

The Service is under active development. We may add, modify, suspend or remove features at any time, and we may take the Service offline for maintenance without notice. We do not guarantee any level of uptime, availability or data refresh rate, and we may discontinue the Service entirely.

12. Disclaimer of warranties

The Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement. You use it at your own risk.

13. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost data, or trading losses, arising out of or relating to your use of the Service or your inability to use it.

Our total aggregate liability to you for all claims relating to the Service is limited to the greater of the amount you paid us in the twelve months before the event giving rise to the claim, or US $50. Some jurisdictions do not allow certain exclusions or limitations, so parts of this section may not apply to you.

14. Indemnity

You agree to indemnify and hold us harmless from any claims, losses, liabilities and reasonable costs arising from your use of the Service, your breach of these Terms, or your violation of any law or third-party right.

15. Suspension and termination

We may suspend or end your access if you breach these Terms, if a payment fails or is reversed, if we are required to by law, or if we discontinue the Service. You may stop using the Service at any time. Sections that by their nature should survive termination, including intellectual property, disclaimers, limitation of liability and dispute resolution, will continue to apply.

16. Governing law and dispute resolution

These Terms are governed by the laws of the state in which Team Nothing LLC is organized, without regard to conflict-of-law rules.

Before starting formal proceedings, contact us through the app and give us 30 days to resolve the issue informally. If it is not resolved, disputes will be settled by binding individual arbitration in that state, except that either side may bring an individual claim in small-claims court where it qualifies. To the extent permitted by law, you and we each waive any right to a class, collective or representative action. You may opt out of arbitration within 30 days of first accepting these Terms by telling us in writing.

17. Email and notices

We send transactional messages about your account, subscription and payments, which are part of the Service and cannot be unsubscribed from. Promotional messages are opt-in and every one of them carries an unsubscribe link. Formal notices to you are sent to the email address on your account.

18. Changes to these Terms

We may update these Terms from time to time. The date at the top will change, and we will announce material changes in the app or by email before they take effect. Continuing to use the Service after a change means you accept the updated Terms.

19. Contact

Questions about these Terms, your subscription or cancellation: reach us through the Contact form or the in-app support chat on the dashboard.