Gioat

1. Introduction

Welcome to Gioat ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our platform that connects investors and traders through verified brokerage account data. By accessing or using our services, you agree to be bound by these Terms.

2. Platform Description

Gioat is an informational platform that provides transparency in investment performance by:

• Connecting to verified brokerage accounts through third-party services
• Calculating and displaying Time-Weighted Returns (TWR) and performance metrics
• Enabling users to subscribe to and follow other traders
• Providing notifications when subscribed traders execute trades
• Maintaining leaderboards based on verified performance data

3. Important Disclaimers

• No Investment Advice: We do not provide investment advice, recommendations, or solicitations to buy or sell securities.
• No Guarantees: Past performance does not guarantee future results. All investments carry risk of loss.
• User Responsibility: All investment decisions are entirely your responsibility.
• Professional Advice: Consult qualified financial professionals before making investment decisions.
• Market Risk: Trading involves substantial risk and may not be suitable for all investors.

4. User Accounts

• You must provide accurate and complete information when creating an account
• You are responsible for maintaining the security of your account credentials
• You must be at least 18 years old to use our services
• You may only connect brokerage accounts that you own or have authority to access
• We reserve the right to suspend or terminate accounts that violate these Terms

5. Brokerage Account Connections

• We use third-party services to connect to brokerage accounts
• You authorize us to access your brokerage data for platform functionality
• We do not store your brokerage login credentials
• You can disconnect your brokerage account at any time
• We are not responsible for third-party service availability or data accuracy

6. Subscriptions and Payments

• Subscription fees are set by individual traders
• We charge platform fees on subscription transactions
• All payments are processed through third-party payment processors
• Subscription fees are non-refundable unless otherwise specified
• We reserve the right to modify our fee structure with notice

7. Prohibited Uses

You may not use our platform to:

• Violate any laws or regulations
• Provide false or misleading information
• Manipulate or artificially inflate performance metrics
• Harass, abuse, or harm other users
• Attempt to gain unauthorized access to our systems
• Use automated tools to access our platform without permission
• Share account credentials with others

8. Data and Privacy

• We collect and process data as described in our Privacy Policy
• We implement security measures to protect your data
• We may share aggregated, anonymized data for research purposes
• You can request deletion of your data subject to legal requirements
• We comply with applicable data protection laws

9. Limitation of Liability

10. Indemnification

You agree to indemnify and hold harmless Gioat from any claims, damages, or expenses arising from your use of our platform, violation of these Terms, or infringement of any third-party rights.

11. Termination

• You may terminate your account at any time
• We may suspend or terminate accounts that violate these Terms
• Upon termination, your right to use the platform ceases immediately
• Certain provisions of these Terms survive termination

12. Changes to Terms

We may modify these Terms at any time. We will notify users of material changes via email or platform notification. Continued use of our platform after changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms are governed by the laws of [Jurisdiction]. Any disputes will be resolved in the courts of [Jurisdiction].

14. Contact Information

If you have questions about these Terms, please contact us at: