Terms of Service

Effective Date: April 18, 2026 · Last Updated: April 18, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," "your") and Zelta Team ("Zelta," "we," "us," "our") governing your access to and use of the Zelta mobile application and any related services, websites, APIs, or tools (collectively, the "Service").

By creating an account, accessing, or using the Service, you represent that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use the Service.

2. Eligibility

• You must be at least 18 years of age to use the Service.
• You must have the legal capacity to enter into a binding agreement.
• You must provide accurate, current, and complete information during registration.
• You may not create more than one account per person.
• You are responsible for maintaining the confidentiality of your account credentials.

3. Nature of the Service

Specifically:

• Zelta does not provide personalized investment advice.
• Zelta is not a registered investment advisor, broker-dealer, financial planner, or fiduciary.
• AI-generated insights and coaching are based on statistical analysis of your historical trade data and should not be interpreted as recommendations to take any specific trading action.
• Past performance displayed in the app does not guarantee future results.
• P&L calculations, fee estimates, and metrics are approximations that may vary from your brokerage's reported figures by up to 1% due to rounding, lot matching methods, and fee calculation differences.
• You are solely responsible for your own trading decisions and bear all risk of loss.

4. Brokerage Connections

The Service allows you to connect third-party brokerage accounts through our integration partner, SnapTrade Technologies Inc. ("SnapTrade"). By connecting a brokerage:

• You authorize Zelta to receive read-only access to your trade history, positions, and account balances via SnapTrade.
• You acknowledge that Zelta cannot execute trades, transfer funds, modify orders, or take any action on your brokerage account.
• You acknowledge that the accuracy of imported data depends on your broker's reporting. We are not responsible for errors in data provided by your brokerage or SnapTrade.
• You may disconnect your brokerage at any time through the app. Previously imported trade data will remain unless you manually delete it.
• SnapTrade's services are subject to SnapTrade's own terms of service and privacy policy.

5. User Accounts and Security

• You are responsible for all activity that occurs under your account.
• You must notify us immediately of any unauthorized access to your account.
• We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised.
• We are not liable for any loss or damage arising from your failure to maintain the security of your account credentials.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
• Attempt to access another user's account or data.
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service.
• Copy, modify, distribute, sell, lease, or create derivative works based on the Service.
• Use the Service to provide financial advice to others or to solicit investments.
• Use the chat feature to promote securities, provide trading signals, or engage in market manipulation.
• Upload malicious code, spam, or content that violates the rights of others.
• Circumvent, disable, or interfere with any security or access control features of the Service.
• Use automated scripts, bots, or scrapers to access the Service.
• Share misleading, fabricated, or doctored performance data.

7. Intellectual Property

The Service, including its design, code, features, branding, logo, trade analytics algorithms, AI coaching models, user interface, and all related intellectual property, is owned by Zelta Team and is protected by applicable copyright, trademark, and intellectual property laws.

You retain ownership of your personal data, trade data, notes, and voice recordings. By using the Service, you grant us a limited, non-exclusive license to process your data solely for the purpose of providing and improving the Service.

8. User-Generated Content

Content you post in community features (e.g., chat) is visible to other users. You are solely responsible for the content you share and represent that it does not violate any law, regulation, or third-party rights. We reserve the right to remove content that violates these Terms or that we deem inappropriate, without notice.

9. Pricing and Payment

The Service is currently offered free of charge during the beta period. We reserve the right to introduce paid features, subscription plans, or pricing changes in the future. Users who join during the beta period may be eligible for preferential pricing at our discretion. We will provide reasonable advance notice of any pricing changes.

10. Disclaimer of Warranties

• We do not guarantee the accuracy, completeness, or timeliness of any data, metrics, analytics, or AI-generated content provided through the Service.
• We do not guarantee that P&L calculations will match your brokerage's reported figures.
• We do not guarantee that the Service will produce any particular trading outcome or financial result.
• We do not guarantee continuous, uninterrupted access to the Service.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ZELTA, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, including but not limited to trading losses, lost profits, loss of data, or business interruption, arising out of or relating to your use of the Service.

Our total aggregate liability for all claims shall not exceed the greater of (a) the amount you paid for the Service in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100.00 USD).

12. Indemnification

You agree to indemnify, defend, and hold harmless Zelta and its affiliates from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any law or regulation; or (d) your trading decisions or investment activities.

13. Termination

• You may delete your account at any time through Settings → Delete Account.
• We may suspend or terminate your access at any time if you violate these Terms.
• Sections 3, 10, 11, 12, and 15 shall survive termination.

14. Modifications

We may modify these Terms at any time. Material changes will be communicated via the app or email. Continued use after changes constitutes acceptance.

15. Governing Law

These Terms are governed by the laws of the State of California, United States. Disputes shall be resolved through binding arbitration administered by the American Arbitration Association in Los Angeles County, California.

CLASS ACTION WAIVER: All proceedings shall be conducted on an individual basis, not as a class or representative action.

16. Severability

If any provision is held unenforceable, the remaining provisions continue in full force.

17. Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Zelta regarding the Service.

18. Contact

• Email: richadultsclub@gmail.com
• Entity: Zelta Team