1. Acceptance of Terms

By accessing or using WallStJournal ("the App", "the Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms in their entirety, you must not access or use the App. These Terms constitute a legally binding agreement between you ("User") and the owner and operator of WallStJournal ("Owner", "we", "us").

2. Nature of the Service — NOT Financial Advice

IMPORTANT DISCLAIMER: WallStJournal is a personal trading journal and productivity tool only. Nothing in this App — including but not limited to trading rules, checklists, game plans, habit trackers, Bible verses, or any other content — constitutes financial advice, investment advice, trading advice, or any recommendation to buy, sell, or hold any financial instrument, security, cryptocurrency, option, or any other asset.

The Owner is NOT a registered investment advisor, broker-dealer, financial planner, or licensed financial professional of any kind. Use of this App does not create any advisor-client, fiduciary, or professional relationship between you and the Owner.

All trading and investment decisions are made solely by you at your own risk. You acknowledge that trading financial instruments including stocks, options, futures, and cryptocurrencies involves substantial risk of loss, including the possible loss of all capital invested. Past performance of any strategy discussed or recorded in this App is not indicative of future results.

You agree that the Owner bears absolutely no responsibility or liability for any trading losses, financial losses, or damages of any kind resulting from your use of this App or any content within it.

3. Access & Eligibility

Access to WallStJournal is private and by invitation only. The Owner reserves the right to grant, deny, suspend, or revoke access to any user at any time, for any reason, without notice or liability. You must be at least 18 years of age to use this App. By using the App, you represent and warrant that you are 18 years of age or older.

4. Data Collection & Privacy

By using this App, you acknowledge and consent to the collection of the following data:

• Google account information (name, email address, profile photo, unique user ID) collected via Google Sign-In
• Trading journal content you enter including game plans, habits, checklists, and trading rules
• Browser type, operating system, screen resolution, and device language
• Timezone and approximate geographic location (city/country level, derived from IP address)
• IP address (approximate, collected via third-party IP geolocation service)
• Timestamp of access and activity within the App
• Access request information submitted by unauthorized users attempting to gain access

Your data is stored on Google Firebase (Firestore), a service governed by Google's Privacy Policy and Terms of Service. The Owner does not sell, trade, or share your personal data with third parties for marketing purposes. Data may be shared only if required by law or court order.

You may request deletion of your data at any time by contacting the Owner. Upon verified request, all your data will be deleted from Firestore within 30 days.

5. Data Security

The Owner implements reasonable security measures including Firebase Authentication, Firestore security rules, and UID-based access controls. However, no system is completely secure. The Owner makes no warranty or guarantee regarding the absolute security of your data. You use this App at your own risk and the Owner shall not be liable for any unauthorized access to or disclosure of your data.

6. Intellectual Property

The App, including its design, code, layout, and all content created by the Owner, is the exclusive intellectual property of the Owner. You may not copy, reproduce, distribute, reverse engineer, or create derivative works from any part of this App without explicit written permission from the Owner. Your personal journal entries remain your own property.

7. Acceptable Use

You agree that you will not:

• Share your login credentials or allow any other person to access your account
• Attempt to circumvent any access controls or security measures
• Use the App for any unlawful purpose
• Attempt to scrape, harvest, or systematically extract data from the App
• Interfere with or disrupt the App or its underlying infrastructure
• Attempt to access another user's data
• Use the App in any manner that could damage, disable, or impair the service

8. Subscription & Payments (Future)

If and when paid subscription plans are introduced, the following terms will apply: all fees are stated in US dollars; subscriptions auto-renew unless cancelled; refunds are issued at the Owner's sole discretion within 7 days of initial purchase for first-time subscribers only; cancellation takes effect at the end of the current billing period; the Owner reserves the right to modify pricing with 30 days notice; access to the App terminates upon subscription expiry.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE OWNER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, TRADING LOSSES, FINANCIAL LOSSES, OR ANY OTHER LOSSES ARISING FROM OR RELATED TO YOUR USE OF THIS APP, EVEN IF THE OWNER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

In no event shall the Owner's total liability to you for all claims arising from or related to this App exceed the amount you paid to use the App in the twelve (12) months preceding the claim, or $10.00, whichever is greater.

10. Indemnification

You agree to indemnify, defend, and hold harmless the Owner from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the App; (b) your violation of these Terms; (c) any trading or investment decisions you make; or (d) your violation of any third-party rights.

11. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. THE OWNER DOES NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

12. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, United States, without regard to its conflict of law provisions. Any dispute arising from these Terms or your use of the App shall be resolved exclusively in the state or federal courts located in Maryland, and you consent to personal jurisdiction in such courts.

13. Changes to Terms

The Owner reserves the right to modify these Terms at any time. Continued use of the App after changes are posted constitutes acceptance of the modified Terms. It is your responsibility to review these Terms periodically.

14. Contact

For questions about these Terms, data deletion requests, or any other matters, please contact the Owner through the App's access request form or the official website.

© 2026 WallStJournal. All rights reserved. These Terms were last reviewed and updated in March 2026.