Terms & Conditions

1. Introduction

FX Notes provides a cloud-based platform (the Platform) where you can record and analyse your trades, including journalling features and optional AI-powered insights. In these Terms, you means you and, if applicable, any entity you are authorised to represent; we, us and our mean FX Notes Ltd.

• You must be at least 16 years old to use the Platform.
• By creating an account or using the Platform, you agree to these Terms.
• Capitalised terms may be defined throughout these Terms.

2. Using FX Notes

We provide access to the Platform and reasonable troubleshooting support during UK business hours via support@fxnotes.com.

2.1 Services & Compatibility

• You may access the Platform using a compatible device and browser as described on our website.
• The Platform may interact with third-party services (e.g., cloud hosting or trading platforms). We are not responsible for third-party products or services.

2.2 Recording Trades & Features

When you create a new trade entry, you can capture trade details (e.g., instrument, date, time), optional webcam recordings (with your explicit consent), screen/activity signals from connected trading tools, and other performance data. Your recordings and data appear on your personal dashboard (logs, calendar, goals, etc.).

• You may withdraw webcam consent at any time by deleting the recording in the Platform. Do not record third parties without their explicit consent.
• Compatibility with external trading platforms may vary; we do not control their functionality.

2.3 AI Features (Beta)

2.4 Availability

• We strive for high availability but do not guarantee the Platform will be available 100% of the time.
• Outages may occur (e.g., maintenance, third-party disruptions). To the maximum extent permitted by law, we are not liable for downtime caused by third parties.

2.5 Acceptable Use

• Do not use the Platform unlawfully, infringe rights, or introduce malicious code.
• Do not attempt unauthorised access or circumvent security.
• No reselling, sublicensing, time-sharing, or concurrent use of a single user login.
• Do not transmit defamatory, offensive, or unlawful content.

2.6 Mobile & Chrome Web Store Terms

• If you access the Platform via Apple App Store or Google Play, you agree to their applicable terms and usage rules.
• For the Chrome extension, you must comply with Google’s Terms of Service and Chrome Web Store Program Policies.

3. Accounts

• You must register for an account to use the Platform. You may sign in with Google (SSO), authorising us to access your name and contact information.
• Keep your account details accurate and your credentials confidential. You are responsible for all activity under your account.
• We may suspend access if we suspect unauthorised use or a breach. We will notify you within a reasonable time and work to resolve the issue; if unresolved, we may terminate your account.

4. Intellectual Property & Data

4.1 Our IP

All intellectual property in and to the Platform, its look-and-feel, algorithms/models, and related materials (including any feedback you provide) is and remains owned by FX Notes Ltd. We grant you a limited, personal, non-transferable right to use the Platform while your account is active, subject to these Terms.

• You must not copy, adapt, publish, distribute, frame, embed, or create derivative works from our IP without prior written consent.

4.2 Your Data & Output

You own all content you upload to the Platform (Your Data) and the outputs generated using Your Data (Output Data), excluding aggregated/anonymised analytics.

You grant us a limited licence to copy, store, transmit, back up, and otherwise use Your Data and Output Data to operate, maintain, support, and improve the Platform; communicate with you; diagnose issues; perform analytics; and develop new services (with Your Data de-identified where applicable).

• You represent that you have the necessary rights and consents for Your Data and that its use on the Platform does not infringe any third-party rights or laws.
• We may compile aggregated, anonymised statistics about Platform usage (Analytics), which we own, provided these do not identify you.
• You are responsible for the integrity and accuracy of Your Data. Inaccurate/incomplete data may affect results.

5. Disclaimers

To the maximum extent permitted by law, the Platform and any AI features are provided “as is” and “as available”, without warranties of accuracy, reliability, fitness for a particular purpose, or non-infringement.

6. Liability

• Nothing in these Terms limits liability that cannot be limited by law (including death or personal injury caused by negligence, or fraud/fraudulent misrepresentation).
• Subject to the foregoing and to the maximum extent permitted by law:
  • We supply the Platform for domestic/private use. If you use it for commercial or re-sale purposes, we are not liable for loss of profit, business, or opportunity.
  • Liability is reduced to the extent caused by the other party’s negligence or breach.
  • We are not liable for third-party products/services or unavailability caused by them.
  • Our aggregate liability arising out of or in connection with these Terms is limited to £10.

7. Termination

• Cancellation: You may cancel at any time via the “cancel my Account” feature.
• We may terminate if you breach these Terms and (i) fail to remedy within 7 days of notice or (ii) the breach cannot be remedied. We may suspend access while investigating suspected breaches.
• Upon termination/expiry, we will retain Your Data as required by law/regulation. Accrued rights and obligations survive.

7.1 Apple iOS Notice

If you use our iOS app, you acknowledge Apple is not responsible for the Platform or its content, has no obligation to provide support, and (to the extent applicable) will refund the purchase price of the app for warranty failures. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them.

8. Governing Law

These Terms are governed by the laws of England and Wales. Each party submits to the exclusive jurisdiction of the courts of England and Wales. If you access the Platform from outside the UK, you are responsible for compliance with local laws. The UN Convention on Contracts for the International Sale of Goods does not apply.

8.1 Disputes

Before starting court proceedings, the parties will meet in good faith to try to resolve any dispute. If unresolved: for users in England & Wales, refer to mediation administered by the Centre for Effective Dispute Resolution; otherwise, to LCIA arbitration in London before one arbitrator, in English, under LCIA Rules. Urgent injunctive or equitable relief may be sought at any time.

8.2 General

• Assignment: Neither party may assign these Terms without consent (not to be unreasonably withheld). We may assign/transfer debt owed under these Terms to a third party.
• Force Majeure: We are not liable for events beyond our reasonable control.
• Marketing: We may send you product/service updates; you can unsubscribe at any time.
• Notices: Notices may be sent by post or email and are deemed received after 48 hours (post) or on transmission (email).
• Severance: If any provision is invalid or unenforceable, it is read down or severed without affecting the remainder.
• Third-party Rights: Except as stated (e.g., Apple), these Terms do not confer rights on third parties.
• Third-party Sites: Linked sites are not under our control and we are not responsible for their content or services. We may receive benefits (e.g., referral fees) for certain links; we will make this clear where applicable.

9. Changes to these Terms

We may amend these Terms by providing notice. By clicking “I accept” or continuing to use the Platform after notice, you agree to the amended Terms. If you do not agree, you may close your account effective from the change date by notifying us; you will then lose access to the Platform from that date.

10. Contact

If you have questions about these Terms, please contact us using the details above.