Terms and Conditions

1. Overview

Welcome to FxNova. “We,” “us,” and “our” refer to FxNova UG (Haftungsbeschränkt) (“FxNova”). We provide a subscription-based trading-education platform and related digital tools (the “Services”), including:

• fxnova.de – courses, learning platform, account and billing
• ai.fxnova.de – AI trading analyzer and chat
• journal.fxnova.de – trading journal
• community.fxnova.de – community and leaderboards

These Terms and Conditions (“Terms”), together with our Privacy Policy, govern your use of the Services. By accessing or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

2. Eligibility and account

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Services. You are responsible for keeping your login credentials secure and for all activity under your account. You may not transfer, sell, or share your account.

To register, you may use email and password or sign in via Google, GitHub, or Discord. You may optionally connect LinkedIn in your settings. You must provide accurate information and keep your account details up to date.

Before using trading-related tools, you must read and accept our risk disclaimer and provide your full legal name as a digital confirmation. Access to paid features may require an active subscription.

3. The Services

The Services are digital-only. We provide online access to educational content, analytics tools, journaling features, AI-assisted analysis, and community functionality. We do not sell physical goods and do not provide shipping or delivery of tangible products.

Features, plan limits, and tool availability may vary by subscription tier (Free, Pro, Pro+, Max) and may change over time. We may add, modify, or discontinue features with reasonable notice where required by law.

4. Subscriptions and payment

Paid plans are billed on a recurring subscription basis through Stripe. Prices are shown on our pricing page at checkout and may be displayed in USD or other currencies depending on configuration. Applicable taxes may apply.

By subscribing, you authorize us and Stripe to charge your payment method on a recurring basis until you cancel. Upgrades, downgrades, and plan changes are processed according to the options available in your account or on the pricing page. Downgrades may take effect at the next billing period.

You may cancel your subscription at any time through account settings. Cancellation typically takes effect at the end of the current billing period, you retain access until then unless otherwise stated. We do not guarantee refunds except where required by applicable law.

Payment card data is processed by Stripe. We do not store your full card number. Stripe's terms apply to payment processing.

5. Right of withdrawal (consumers in the EU/EEA)

If you are a consumer, you have the right to withdraw from this contract within 14 days without giving reasons. The withdrawal period is 14 days from the day the contract is concluded.

To exercise your right of withdrawal, you must inform us of your decision by a clear statement (e.g. a letter sent by post or email):

To meet the withdrawal deadline, it is sufficient that you send your communication concerning your exercise of the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal

If you withdraw from this contract, we shall reimburse all payments received from you without undue delay and no later than 14 days from the day we received your withdrawal notice, using the same means of payment you used unless expressly agreed otherwise.

Digital content and loss of withdrawal right

For digital content not supplied on a physical medium, your right of withdrawal expires if you expressly agreed before checkout that we may begin performance before the end of the withdrawal period, and you confirmed that you lose your right of withdrawal once performance has begun (see Section 356(5) German Civil Code / equivalent EU consumer law). Subscription access typically begins immediately after payment, in that case the withdrawal right may expire once you have started using the paid features.

Model withdrawal form

(Complete and return this form only if you wish to withdraw from the contract.)

6. No financial or trading advice

We do not sell a trading strategy. We sell knowledge and education only. You alone are responsible for your trading decisions and for any profits or losses.

FxNova provides education, analytics, and reflection tools only. Nothing in the Services constitutes investment, financial, tax, or trading advice. Past performance shown in courses, the analyzer, journal, or AI chat does not guarantee future results.

AI-generated outputs are automated and may be inaccurate or incomplete. You are solely responsible for your trading and investment decisions. You must not rely on the Services as a substitute for professional advice.

7. Your content and data

You may upload or enter content including trade-history CSV files, journal entries, screenshots, chat messages, and profile information. You retain ownership of your content. You grant FxNova a limited license to host, process, display, and transmit your content solely to operate and improve the Services, including transmitting relevant context to our AI provider as described in our Privacy Policy.

You represent that you have the right to upload your content and that it does not violate law or third-party rights. You are responsible for backing up important data. We may remove content that violates these Terms or applicable law.

8. Intellectual property

The Services, including courses, text, graphics, software, logos, and design, are owned by FxNova or its licensors and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial purposes in accordance with these Terms.

You may not copy, redistribute, resell, reverse engineer, scrape, or create derivative works from the Services or course materials except as expressly permitted. FxNova trademarks may not be used without our prior written consent.

9. Third-party services

The Services integrate third-party providers including Supabase (auth, database, storage), Stripe (payments), OpenAI (AI chat), Vercel (hosting and analytics), and OAuth providers (Google, GitHub, Discord, LinkedIn). Your use of those integrations may be subject to the third party's terms and privacy policies.

We are not responsible for third-party websites, brokers, exchanges, or tools linked from the Services. Accessing third-party services is at your own risk.

10. Privacy

Our collection and use of personal data is described in our Privacy Policy. By using the Services, you acknowledge that you have read it.

11. Feedback

If you submit suggestions, reviews, or other feedback, you grant us a perpetual, worldwide, royalty-free license to use it for any purpose without compensation. We are not obligated to use or respond to feedback.

12. Prohibited uses

You agree not to:

• use the Services unlawfully or to harm others,
• attempt to gain unauthorized access to accounts, systems, or data,
• upload malware, spam, or content that infringes intellectual property or privacy rights,
• scrape, crawl, or automate access except via documented APIs we provide,
• resell, sublicense, or commercially exploit the Services without permission,
• misrepresent your identity or impersonate others,
• interfere with security features or overload our infrastructure.

We may suspend or terminate accounts that violate these Terms.

13. Termination

You may stop using the Services at any time. We may suspend or terminate your access if you breach these Terms, if required by law, or to protect the Services and other users. Upon termination, your right to access paid features ends, subject to any surviving billing obligations.

Sections that by nature should survive (including intellectual property, disclaimers, limitation of liability, and indemnification) remain in effect after termination.

14. Disclaimer of warranties

To the fullest extent permitted by law, the Services are provided “as is” and “as available” without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant uninterrupted, secure, or error-free operation.

15. Limitation of liability

To the fullest extent permitted by law, FxNova and its directors, employees, affiliates, and service providers shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, trading losses, or business interruption arising from your use of the Services, even if advised of the possibility. Our total liability for any claim relating to the Services is limited to the amount you paid us in the twelve months before the claim, or EUR 100 if you have not paid anything, except where liability cannot be limited under applicable law.

16. Indemnification

You agree to indemnify and hold harmless FxNova from claims, damages, and expenses (including reasonable legal fees) arising from your breach of these Terms, your content, your trading activities, or your violation of law or third-party rights.

17. Changes

We may update these Terms. Material changes will be communicated as required by law. Continued use after the effective date constitutes acceptance. The current version is always available on this page.

18. Governing law and disputes

These Terms are governed by the laws of Germany, excluding conflict-of-law rules. If you are a consumer residing in the EU/EEA, mandatory consumer protection laws of your country of residence also apply.

For business users, the exclusive place of jurisdiction is the courts competent for Dreieich, Germany. For consumers, jurisdiction is determined by applicable consumer law.

19. Contact

Questions about these Terms: info@fxnova.de