Terms of Service

Last updated August 20, 2026

These Terms of Service (the “Terms”) are a binding agreement between you and Elemental Ridge Ltd. (“Chart Algo AI”, “we”, “us”) and govern your use of the Chart Algo AI mobile application for iOS and Android (the “App”) and the chartalgoai.com website (together, the “Service”).

By downloading, subscribing to or using the Service you accept these Terms. If you do not accept them, do not use the Service.

1. Not financial advice

The Service is provided for informational and educational purposes only. Chart Algo AI analyses an image of a price chart and reports what a machine-learning model believes it sees: a trend direction and strength, technical analysis patterns, and Japanese candlestick patterns.

Nothing produced by the Service is investment advice, financial advice, trading advice, legal advice, tax advice or a recommendation, offer or solicitation to buy, sell or hold any security, derivative or other financial instrument. Nothing produced by the Service constitutes buy or sell advice on any security. We are not a broker-dealer, an investment adviser, a financial planner or a fiduciary, and no analysis is personalised to your circumstances, objectives or risk tolerance.

Trading and investing involve substantial risk, including the total loss of your capital. Past price behaviour and chart patterns do not predict future results. Any decision you make after using the Service is your decision alone and made at your own risk. Consider consulting a licensed financial professional before acting.

2. Eligibility

You must be at least 18 years old, or the age of majority where you live if that is higher, to use the Service. By using it you confirm you meet that requirement and that you are not barred from using it under the laws of your jurisdiction.

3. Subscriptions and billing

Access to the App requires a paid, auto-renewing subscription purchased inside the App through Apple's In-App Purchase system (on iOS) or Google Play Billing (on Android). The current price, term and any introductory or trial offer are shown in the App before you confirm the purchase.

• Billing. Payment is charged to your Apple ID or Google Play account at confirmation of purchase. We never see or handle your payment details.
• Auto-renewal. Your subscription renews automatically for the same term unless auto-renew is turned off at least 24 hours before the end of the current period. The renewal is charged to your Apple ID or Google Play account shortly before the current period ends.
• Managing and cancelling. On iOS, manage your subscription and turn off auto-renew in your device's Settings → [your name] → Subscriptions. On Android, manage it in the Google Play app under Payments & subscriptions or at play.google.com/store/account/subscriptions. Cancelling stops future renewals; you keep access until the end of the period you have already paid for. Deleting the App does not cancel the subscription.
• Free trials. Where a free trial is offered, any unused portion is forfeited if you buy a subscription during the trial. Cancel at least 24 hours before the trial ends to avoid being charged.
• Restore Purchases. Subscriptions are attached to your Apple ID or Google account, not to an account with us. After a reinstall or on a new device, tap Restore Purchases in the App to reconnect your entitlement. You must be signed in to the store account used for the original purchase.
• Refunds. Purchases are processed by the store you bought through and refunds are governed by its policies. For Apple purchases, request one at reportaproblem.apple.com. For Google Play purchases, refunds follow the Google Play refund policy. Except where required by law, subscription fees are otherwise non-refundable and we cannot issue store refunds directly.
• EU and UK right of withdrawal. If you are a consumer in the European Union or the United Kingdom, you may have a statutory 14-day right to withdraw from a purchase of digital content. By starting your subscription you request immediate access to the Service and acknowledge that, to the extent permitted by law, you lose that withdrawal right once the digital service has been fully delivered and performance has begun with your consent. Statutory withdrawal requests for store purchases are handled by Apple or Google under their own procedures, and nothing in these Terms limits any right you have under mandatory consumer law.
• Price changes. We may change subscription pricing. Where required, Apple or Google will notify you and ask for your consent before a renewal at a new price.

4. No guarantee of accuracy

The Service relies on artificial intelligence models that interpret photographs. Their output is probabilistic and can be incorrect, incomplete, outdated, internally inconsistent or fabricated. Poor photo quality, glare, unusual chart styles, indicator overlays and cropping all degrade results. Confidence scores describe the model's certainty about the image, not the likelihood of any market outcome.

We do not warrant that any analysis, pattern detection, trend classification or summary is accurate, reliable or fit for any purpose. Verify anything that matters against the underlying market data before relying on it.

5. Acceptable use

You agree not to:

• use the Service for any unlawful purpose, or in breach of any securities, financial-services or market-conduct law;
• present the output as professional financial advice, or resell, redistribute or republish it as a signal, newsletter or advisory service without our written permission;
• upload images you do not have the right to upload, or that contain other people's personal data, malware or unlawful content;
• reverse engineer, decompile or disassemble the App, or attempt to extract its prompts, models or source code, except to the extent that restriction is prohibited by law;
• access the Service through automated means, scrape it, or use scripts, bots or emulators to submit requests in volume;
• circumvent, disable or interfere with rate limits, subscription checks, security features or usage restrictions;
• overload, disrupt or attack our infrastructure, or probe it for vulnerabilities without our written permission;
• share, sell or transfer your subscription entitlement to anyone else.

We may rate-limit, suspend or terminate access that we reasonably believe breaches this section, without notice.

6. Your content

You keep ownership of the chart images you submit. You grant us a worldwide, non-exclusive, royalty-free licence to host, transmit, process and store those images and any accompanying details (ticker, company name, timeframe) solely to operate, secure, debug and improve the Service. Images are transmitted to third-party AI providers for analysis and are retained only briefly, as described in the Privacy Policy.

You are responsible for having the rights to any image you upload. Do not upload content that infringes someone else's rights or that you are contractually barred from sharing.

7. Intellectual property

The Service, including the App, this website, the underlying software, prompts, models as applied by us, design, text, graphics, logos and the “Chart Algo AI” name and marks, is owned by Elemental Ridge Ltd. or its licensors and is protected by copyright, trademark and other laws. Subject to these Terms we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the App on Apple-branded devices (for the iOS App) or Android devices (for the Android App) that you own or control, for your own non-commercial use. No other rights are granted.

Ticker symbols, company names and third-party marks that appear in your own images belong to their respective owners and are used for identification only. We are not affiliated with, endorsed by or sponsored by any exchange, broker, charting platform or issuer.

8. Third-party services

The Service depends on third parties, including Apple (distribution and billing), RevenueCat (subscription management), OpenRouter and the AI model providers it routes to (image analysis), and cloud hosting and storage providers. Their availability, terms and policies are outside our control, and an outage at any of them may interrupt the Service. Links to third-party sites are provided for convenience and are not endorsements.

9. Disclaimer of warranties

The Service is provided “as is” and “as available”, without warranty of any kind. To the fullest extent permitted by law we disclaim all warranties, express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy and quiet enjoyment.

We do not warrant that the Service will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that any analysis will be accurate or produce any particular result. No advice or information you obtain from us creates any warranty not expressly stated here.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

10. Limitation of liability

To the fullest extent permitted by law, neither Elemental Ridge Ltd. nor its officers, employees, contractors, suppliers or licensors will be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any trading losses, lost profits, lost opportunities, lost data or loss of goodwill, arising out of or relating to the Service or these Terms, whether based in contract, tort (including negligence), strict liability or any other theory, even if we have been advised of the possibility of such damages.

Our total aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of (a) the amount you paid us for the Service in the twelve months before the event giving rise to the claim, or (b) fifty US dollars (US$50).

Some jurisdictions do not allow certain limitations of liability, so parts of this section may not apply to you. Nothing in these Terms limits liability that cannot be limited by law.

11. Indemnity

You agree to indemnify and hold harmless Elemental Ridge Ltd. and its personnel from any claim, demand, loss, liability or expense (including reasonable legal fees) arising from your use of the Service, your content, your breach of these Terms, or your violation of any law or third-party right.

12. Termination

You may stop using the Service at any time and cancel your subscription through Apple or Google. We may suspend or terminate your access at any time if you breach these Terms, if required by law, or if we discontinue the Service. Sections 1, 4, 6 (licence), 7, 9, 10, 11 and 15 survive termination.

13. App store terms (Apple and Google)

These Terms are between you and Elemental Ridge Ltd. only, not with Apple Inc. or Google LLC. Neither Apple nor Google is responsible for the App or its content, and neither has any obligation to provide maintenance or support for it. We, not Apple or Google, are responsible for addressing any claim relating to the App, including product liability, legal or regulatory non-compliance, and consumer protection claims, and for any third-party claim that the App infringes intellectual property rights.

Apple. If the iOS App fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price; to the maximum extent permitted by law Apple has no other warranty obligation with respect to the App. You represent that you are not located in a country subject to a US Government embargo or designated as a “terrorist supporting” country, and that you are not on any US Government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

Google. Where you obtained the App from Google Play, you acknowledge the Google Play Terms of Service, and in the event of any conflict between them and these Terms with respect to your use of Google Play, the Google Play Terms of Service prevail. Google is a third-party beneficiary of these Terms as they relate to the Android App and may enforce them against you.

14. Changes to these Terms

We may update these Terms from time to time. The “Last updated” date at the top shows when. Material changes will be signalled in the App or on this page before they take effect where practicable. Continuing to use the Service after a change takes effect means you accept the revised Terms; if you do not accept them, stop using the Service and cancel your subscription.

15. Governing law and disputes

These Terms are governed by the laws of the Province of Ontario and the laws of Canada applicable therein, without regard to conflict-of-laws rules, and the courts of the Province of Ontario have exclusive jurisdiction over any dispute, except that either party may seek injunctive relief in any court of competent jurisdiction. If you are a consumer, this does not deprive you of the protection of mandatory consumer-law provisions of the country where you live.

If any provision of these Terms is held unenforceable, the rest remain in force. Our failure to enforce a provision is not a waiver of it. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Service.

16. Contact

Questions about these Terms? Email support@chartalgoai.com.