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1. NATURE OF SERVICE

Trading Buddy's automated trading bot ("the Bot") is a software tool that, once enabled, will automatically execute buy and sell orders on your behalf through the Coinbase Advanced Trade API using your provided API credentials. Trading Buddy does not manage your funds, provide investment advice, or act as a financial advisor, broker, or fiduciary. The Bot operates on algorithmic logic and makes decisions based on market data signals — not on any personalized analysis of your individual financial situation, goals, risk tolerance, or investment needs.

1A. FEE-BASED TRADE PARAMETERS

The Bot automatically adjusts profit targets based on your Coinbase maker fee rate:

• If your maker fee rate exceeds the threshold configured by Trading Buddy, the Bot will use reduced profit targets — approximately half the standard configured targets. This adjustment is made because higher fees require a greater price recovery to achieve the same net profit, and more conservative targets allow the Bot to exit positions faster rather than waiting on a larger recovery that may not occur.
• If your maker fee rate exceeds that same threshold, the Bot also sets your trade style, and the option to change it is not shown in the app. This affects how far a position is built out and where automatic stop-loss protection sits, and therefore how much of that trade is at risk when a stop is reached. If your fee rate later falls to or below the threshold, the option returns and your style remains as it is until you change it.
• Your current maker fee rate is visible in the app. If it exceeds the threshold it will be displayed in amber, and an informational notice will be available explaining the impact on your trades.
• Fee rates are determined by your 30-day trading volume on Coinbase and are outside Trading Buddy's control. You are solely responsible for understanding your own fee tier and for any decisions you make regarding your Coinbase account activity.
• Trading Buddy is not liable for any reduced profits, missed targets, or other outcomes resulting from fee-based trade parameter adjustments.

2. ASSUMPTION OF FINANCIAL RISK

You acknowledge and accept that:

• Cryptocurrency trading involves substantial risk of loss and is not appropriate for all investors.
• The Bot may open and close positions that result in financial loss. There is no guarantee of profit, and you may lose all or part of the funds the Bot is authorized to trade.
• Past performance of the Bot, whether described in promotional materials, Discord, or elsewhere, does not guarantee future results. All results may vary significantly.
• Market conditions, volatility, liquidity issues, exchange outages, and other factors outside Trading Buddy's control may cause the Bot to underperform or incur losses.
• You are solely responsible for determining whether automated trading is suitable for your personal financial situation.

3. SOLE FINANCIAL RESPONSIBILITY

You agree that:

• You are solely and exclusively responsible for all trades executed by the Bot using your Coinbase account and API credentials.
• Trading Buddy, its owners, operators, employees, and affiliates shall not be liable for any financial loss, tax liability, missed opportunity, or other harm resulting from Bot activity.
• You will not hold Trading Buddy responsible for any trade outcome, regardless of whether the loss was caused by the Bot's algorithm, a technical failure, a market event, or any other circumstance.
• No refunds will be issued for subscription fees on account of trading losses. Full-paying bot subscribers ($39.90/month) may be eligible for an automatic account credit of up to 50% of their monthly fee if the bot has a net loss in a billing period — see Section 3A below for eligibility and terms.

3A. BOT LOSS CREDIT

As a benefit to full-paying bot subscribers, Trading Buddy automatically applies an account credit when the Bot has a net loss in a billing period:

• Eligibility: You must be subscribed at the standard bot rate ($39.90/month). Members on a discounted or complimentary bot rate are not eligible.
• Credit amount: Equal to the net bot loss for the billing period, capped at $19.95 (50% of the monthly fee).
• Qualifying trades: Only trades fully closed by the bot are included. Positions you manually took over are excluded.
• Application: Credits are automatically applied to your Stripe account balance and reduce your next invoice. You will receive an email notification when a credit is applied.
• No rollover: Credits do not accumulate or carry over from one billing period to the next. Each billing period is evaluated independently.
• No cash value: Credits apply to your Stripe billing balance only and cannot be withdrawn or refunded as cash.
• Trading Buddy reserves the right to modify or discontinue this benefit at any time without notice.

4. NO FINANCIAL ADVICE

Nothing communicated by Trading Buddy — in the app, website, Discord server, emails, notifications, or any other channel — constitutes financial advice or a personalized investment recommendation. The Bot's trading signals and activity are algorithmic in nature. You should consult a licensed financial advisor before engaging in any trading activity, including automated trading.

Trading Buddy is not a registered investment advisor, broker-dealer, money transmitter, or commodity trading advisor. We are not affiliated with, licensed by, or subject to oversight by the SEC, FINRA, CFTC, or any other financial regulatory body. Nothing provided by Trading Buddy constitutes a solicitation or offer to buy or sell any security or financial instrument.

5. TECHNICAL FAILURES AND SERVICE AVAILABILITY

You acknowledge that:

• The Bot may experience downtime, bugs, errors, connectivity issues, API failures, or other technical problems that could cause it to miss trades, execute incorrect trades, or fail to close open positions.
• Trading Buddy makes no guarantee that the Bot will be available at any particular time or that it will function without errors.
• In the event of a technical failure, Trading Buddy will not be liable for any resulting financial loss or missed opportunity.
• It is your responsibility to monitor your Coinbase account and open positions at all times, and to intervene manually when necessary.

6. YOUR MONITORING OBLIGATION

You agree that you will:

• Regularly review your Coinbase account to monitor Bot activity, open positions, and account balance.
• Immediately pause or disable the Bot if you observe activity you did not authorize, or if your financial circumstances change in a way that makes automated trading no longer suitable for you.
• Not rely solely on the Bot to manage your account without active human oversight.
• If you disable automatic stop-loss protection, you acknowledge that the Bot will not automatically close losing positions. You assume full and sole responsibility for monitoring and manually closing those positions. The Bot will send an alert notification when the position reaches the point at which the Bot would otherwise have acted, as a reminder only — acting on that alert is entirely your obligation.
• If you change the Bot's trade style, you acknowledge that the styles differ in how far a position is built out and in where automatic stop-loss protection sits, and therefore in how much of that trade is at risk when a stop is reached. The app describes each style where you choose it. Selecting a style is your decision and you accept the risk that comes with the one you choose.
• Contact Trading Buddy support if you believe the Bot is behaving unexpectedly, while also taking immediate independent action to protect your account — including revoking API access directly through Coinbase.
• If you enable manual trade approval, you acknowledge that each trade you approve will be executed on your behalf and you accept full responsibility for the resulting position. Denying a trade that later would have been profitable does not give rise to any claim against Trading Buddy. Failing to respond to an approval notification means the trading opportunity will pass — Trading Buddy is not liable for missed trades or losses resulting from your inaction or your decision to approve or deny any individual trade.

7. API KEY SECURITY

You are responsible for the security of your Coinbase API credentials. Specifically:

• You will only provide API credentials with the minimum permissions required for the Bot to operate — that is, permission to place and cancel orders and to view your account. In addition to trading, the Bot reads your balances, your open and completed orders and fills, your holdings and cost basis, and your Coinbase fee tier, in order to size trades, track positions and report your results. It never requires withdrawal or transfer access. You must NOT provide API keys that include withdrawal or fund transfer permissions — doing so represents a serious security risk that Trading Buddy is not responsible for.
• You will immediately revoke your API keys through Coinbase if you believe they have been compromised, and notify Trading Buddy promptly.
• Trading Buddy encrypts your API private key at rest but cannot guarantee absolute security against all possible threat vectors. You use this feature at your own risk.
• API key permissions are your responsibility. The Bot requires your Coinbase API key to have trade execution permissions enabled. If your API key is missing required permissions, is expired, has been revoked, or is otherwise invalid, the Bot will be unable to execute trades on your behalf. Trading Buddy is not liable for any missed trades, open positions left unmanaged, or financial losses of any kind resulting from an API key that lacks the necessary permissions or is no longer valid. It is your responsibility to ensure your API credentials remain active and properly configured at all times. The Bot will notify you via push notification if a permission error is detected, but you are responsible for resolving the issue promptly and for any consequences that arise in the interim.
• Coinbase account standing. The Bot requires your Coinbase account to be in good standing with trade privileges active at the account level. Account-level restrictions imposed by Coinbase — including outstanding payment obligations, identity verification holds, regional limitations, or any other Coinbase-imposed restriction — may prevent the Bot from executing trades regardless of whether your API key is correctly configured. These restrictions are entirely outside Trading Buddy's control. Trading Buddy is not liable for any missed trades, open positions left unmanaged, or financial losses of any kind resulting from a Coinbase account-level restriction. It is your responsibility to ensure your Coinbase account remains in good standing at all times and to resolve any account issues directly with Coinbase promptly.

8. NOT PERSONALIZED FOR YOU

The Bot's algorithm is a general-purpose system not tailored to your personal financial goals, investment horizon, risk tolerance, loss capacity, tax situation, jurisdiction, portfolio composition, existing holdings, or level of trading experience. You are responsible for ensuring that the Bot's behavior is consistent with your own financial situation and objectives.

9. TAX RESPONSIBILITY

You are solely responsible for all tax obligations arising from trades executed by the Bot, including but not limited to capital gains taxes, income taxes, and all applicable reporting requirements. Trading Buddy does not provide tax advice. You should consult a qualified tax professional familiar with cryptocurrency taxation in your jurisdiction.

10. ACCESS, MODIFICATION, AND REVOCATION

Trading Buddy reserves the right to:

• Approve or deny Bot access at its sole discretion, at any time, without explanation.
• Suspend or revoke your Bot access at any time, for any reason, with or without prior notice.
• Modify the Bot's algorithm, parameters, or trading behavior at any time without notice.
• Discontinue the Bot as a product or change its pricing at any time.

Revocation of access does not entitle you to a refund of any fees paid.

Cancellation of membership: If you cancel your Trading Buddy membership, Bot access is revoked immediately — even if your basic membership continues through a remaining grace period. You are solely responsible for monitoring and manually closing any open positions at that time. No refund will be issued for any remaining Bot subscription time.

Removal of Bot add-on: If you remove the Bot add-on from your account, access is revoked immediately. A prorated credit for the unused portion of your billing cycle will be applied to your next invoice. This credit is not a cash refund and has no cash value.

10A. EMERGENCY TRADE INTERVENTION

Trading Buddy staff may, at their sole discretion and without prior notice, close one or more of your active positions or cancel pending orders in emergency or operational circumstances — including platform-wide technical failures, exchange API issues, erroneous Bot behavior, or other situations requiring immediate action to protect users or the platform. Such intervention may affect an individual trade or all active trades across all users simultaneously. Staff-initiated trade closures are executed as market orders at the prevailing market price and are not guaranteed at any specific price. Trades closed in this manner will appear in your trade history with an "Admin" exit type. Trading Buddy is not liable for any losses resulting from such interventions.

11. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Trading Buddy, its owners, employees, and affiliates from and against any and all claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to your use of the Bot, trades executed on your behalf, your breach of this Agreement, or your violation of any applicable law or third-party terms of service including those of Coinbase.

12. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Trading Buddy's total liability to you in connection with the Bot shall not exceed the total subscription fees paid by you in the three (3) months preceding the claim. Trading Buddy shall not be liable for any indirect, incidental, consequential, special, or exemplary damages, including but not limited to lost profits, lost trading gains, or lost opportunity, even if advised of the possibility of such damages.

13. GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois, without regard to its conflict of law provisions. Any disputes shall first be attempted to be resolved through good-faith negotiation, and thereafter through binding arbitration conducted in Illinois under the rules of the American Arbitration Association, except where injunctive or emergency relief is sought from a court of competent jurisdiction in Illinois.