Bot Access Agreement

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 is at or below that threshold but above a lower fee level also configured by Trading Buddy, the Bot will use somewhat reduced profit targets, so that your positions can exit sooner rather than waiting on a larger recovery. These reduced profit targets are never less than half of the standard configured targets.
• Your current maker fee rate is visible in the app. If either adjustment applies to you, 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 membership fees on account of trading losses.

3A. PLAN LIMITS

The Bot comes with every Trading Buddy plan, and your plan sets how it trades for you:

• Limits: Your plan sets the largest amount the Bot will use for one trade and how many trades it holds at once. The Bot never opens a trade beyond your plan’s limits, whatever your settings say.
• Changing plans: When you move to a smaller plan, any Bot setting above its limits is lowered to them when the change starts. Moving to a larger plan does not raise your settings: you raise them yourself in the App.
• Open trades: Trades already open when your plan changes finish as they were placed, including any of their remaining ladder buys.

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 at a loss any trade whose last buy fills while it is disabled. The setting is applied to a trade when its last buy fills, which is when its stop-loss is placed; changing it does not remove a stop-loss already placed, or add one to a trade whose buys have all filled. You assume full and sole responsibility for monitoring and manually closing positions that have no stop-loss. 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.
• You acknowledge that the Bot stops managing an open trade and hands it over to you when: you change, move or cancel one of the Bot’s buy orders; you raise the Bot’s take-profit price or cancel its sell order; you confirm a manual takeover in the app; you turn the Bot off while a trade is open; your Bot access ends; or your available balance is too low to fund the trade’s next buy. The app sends you a notification when this happens. The Bot then cancels its remaining unfilled buy orders and stops managing the trade. Any take-profit or stop-loss order already on Coinbase is left in place, but the Bot no longer watches, adjusts or replaces it. Depending on how far the trade had been built, the stop-loss may not have been placed yet, in which case the position has no stop-loss protection at all. From that point the position is entirely yours to monitor and close. The trade is recorded as a manual takeover and is excluded from the Bot’s statistics. Trading Buddy is not liable for any loss on a trade after it has been handed over to you.
• Lowering the Bot’s take-profit price does not hand the trade over: the Bot keeps managing it, and may replace your lower sell order with its own, for example when another of its buy orders fills. If your lower sell order fills at a profit, the trade counts as an ordinary Bot trade. If it fills at break-even or a loss, the trade is recorded as a manual takeover and is excluded from the Bot’s statistics.
• 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.

6A. HIGH YIELD (RETIRED)

High Yield, an optional trade style, was retired on October 12, 2026 and is no longer offered: the Bot uses one trade style for every member. For any trade opened under High Yield before then, the High Yield Agreement you signed continues to apply to that 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 (including orders you place yourself, in any market), your holdings and cost basis, and your Coinbase fee tier and 30-day trading volume, in order to size trades, track positions, report your results and show you your own orders in the App. It also reads the ID, name and email address of the Coinbase account your API key belongs to, to link that account to your Trading Buddy account, as described in our Privacy Policy. 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 the rest of your membership continues to the end of your billing period. You are solely responsible for monitoring and manually closing any open positions at that time. No refund will be issued for the rest of that billing period. Any open Bot trades are handed over to you as described in Section 6.

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 are recorded 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.