Terms of Service

1. Acceptance of Terms

Welcome to Trading-Lab, operated by Philip Koch ("we," "our," or "us"). These Terms of Service ("Terms") govern your access to and use of our website, mobile application, and all related services (collectively, the "Services").

By creating an account, accessing our platform, or using any of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Services.

2. Service Description

Trading-Lab provides a comprehensive trading education and analysis platform that includes:

All Services are provided for educational and informational purposes. We reserve the right to modify, suspend, or discontinue any part of our Services at any time with reasonable notice.

3. Account Registration

To access our Services, you must create an account by providing accurate and complete information. You agree to:

• Provide truthful, accurate, and complete registration information
• Maintain and update your information to keep it current
• Be at least 18 years old or the age of majority in your jurisdiction
• Be responsible for all activities under your account
• Maintain the confidentiality of your login credentials
• Notify us immediately of any unauthorized account access

4. Subscription & Billing

We offer multiple subscription tiers with different features and pricing:

Billing Terms

• Monthly subscriptions automatically renew unless canceled
• Yearly subscriptions provide significant discounts
• All fees are charged in advance for the subscription period
• Price changes will be notified 30 days in advance
• Cancellation takes effect at the end of the current billing period

Refund Policy

Due to the immediate access to digital content and educational materials:

• All sales are final once you access premium content
• No refunds are provided for digital content consumption
• Cancellation prevents future billing but doesn't refund current period
• EU consumers may waive withdrawal rights upon immediate content access

5. User Conduct

You agree to use our Services responsibly and in compliance with all applicable laws. You must not:

Violation of these terms may result in account suspension or termination at our discretion.

6. Content & Intellectual Property

Our Content

All content on our platform, including but not limited to text, graphics, logos, videos, courses, trading strategies, and software, is owned by Trading-Lab or our licensors and protected by intellectual property laws.

Your License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our content for personal, educational purposes only. You may not:

• Redistribute, sell, or commercialize our content
• Create derivative works based on our materials
• Remove proprietary notices or attributions
• Use our content to compete with our Services

User-Generated Content

You retain ownership of content you create, but grant us a license to use, modify, and display it in connection with our Services. You represent that your content doesn't violate third-party rights.

7. Trading Risks & Disclaimers

Educational Purpose

Our Services are designed for educational purposes. All strategies, signals, and analysis are provided for learning and should not be considered personalized financial advice.

No Guarantees

• We make no guarantees about trading performance or profitability
• Past performance does not indicate future results
• Market conditions can change rapidly and unpredictably
• Our strategies may not be suitable for your financial situation

Professional Advice

We strongly recommend consulting with licensed financial advisors before making investment decisions. Our Services supplement but do not replace professional financial planning.

8. Limitation of Liability

To the maximum extent permitted by German law:

Disclaimer of Warranties

Our Services are provided "as is" without warranties of any kind, either express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Damages

In no event shall Trading-Lab be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Trading losses or investment decisions based on our content
• Damages exceeding the amount paid for our Services in the preceding 12 months

Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control, including but not limited to natural disasters, government actions, or technical failures.

9. Data Protection

We are committed to protecting your personal data in accordance with the German Federal Data Protection Act (BDSG) and the European General Data Protection Regulation (GDPR).

Data Processing

We process your personal data to:

• Provide and improve our Services
• Process payments and manage subscriptions
• Communicate important updates and support
• Comply with legal obligations

For detailed information about data collection, processing, and your rights, please review our Privacy Policy.

10. Termination

Termination by You

You may terminate your account at any time by:

• Canceling your subscription through account settings
• Contacting our support team
• Following the cancellation process in your payment provider

Termination by Us

We may suspend or terminate your account if you:

• Violate these Terms or our policies
• Engage in fraudulent or harmful activities
• Fail to pay subscription fees
• Abuse our Services or other users

Effect of Termination

Upon termination:

• Your access to premium content will cease
• Your account data may be deleted after a reasonable period
• Outstanding payment obligations remain due
• Provisions regarding liability and intellectual property survive

11. Governing Law

Applicable Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Germany, without regard to conflict of law principles.

Jurisdiction

Any disputes arising from these Terms or your use of our Services shall be subject to the exclusive jurisdiction of the courts of Trier, Germany.

EU Consumer Rights

If you are a consumer residing in the European Union, you may be entitled to additional rights under local consumer protection laws, which these Terms do not supersede.

Dispute Resolution

We encourage resolving disputes through direct communication. For formal disputes, we participate in alternative dispute resolution procedures as required by German law.

12. Contact Information

For questions about these Terms or our Services, please contact us:

Legal Updates

We will notify users of material changes to these Terms via email and prominent website notices. Continued use of our Services after changes constitutes acceptance of updated Terms.