Terms of Service

1. Acceptance of these terms

These Terms of Service ("Terms") govern your access to and use of the AgentHC website, newsletters, alerts, dashboards, and related services (collectively, the "Service"). By creating an account, subscribing, or otherwise using the Service, you agree to be bound by these Terms and by the documents incorporated by reference, including our Privacy Policy and Disclosures. If you do not agree, do not use the Service.

Before you can start a paid subscription you must tick a box on the pricing page stating that you agree to these Terms and the Privacy Policy and authorise the recurring charge. We keep a record of that agreement: the version of these Terms, the date and time, and the IP address it came from.

2. Eligibility

Eligibility: this service is offered to United States residents who are at least 18 years of age. By signing up you attest that you meet these requirements.

The Service is intended only for United States residents who are at least 18 years old. By registering you represent and warrant that you meet these requirements, that the information you provide is accurate, and that your use of the Service does not violate any law applicable to you. We may suspend or terminate accounts that do not meet these criteria.

3. Nature of the Service: not investment advice

AgentHC is an automated research and educational tool. It is not a registered investment adviser, broker-dealer, futures commission merchant, or commodity trading advisor, and nothing in the Service is personalized investment advice or an offer or solicitation to buy or sell any security, option, or other instrument. You are solely responsible for your own trading and investment decisions and for evaluating the merits and risks of any transaction. See our full Disclosures.

You acknowledge that AgentHC provides educational market commentary, not investment advice, and that all displayed performance is hypothetical/simulated. You accept the advisory and risk terms, including the options-risk disclosure.

4. Accounts and security

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us promptly of any unauthorized use. We may suspend access to protect the Service or other users. One account per person; accounts are personal and non-transferable.

5. Subscriptions, plans, and recurring billing

Certain features require a paid subscription. We currently offer a Free plan and a paid Pro plan. The features and the current prices of each plan are shown on the pricing page. Pro can be bought with monthly billing or with yearly billing; the price of each is shown next to the button that starts checkout.

Recurring charges

Paid plans are recurring subscriptions, billed in US dollars. When you subscribe, you authorise us and our payment processor to charge your payment method:

• the price shown at checkout, on the day you subscribe; and
• the then-current price again at the start of every following billing period: every month if you chose monthly billing, every year if you chose yearly billing,

until you cancel. Each charge pays in advance for the billing period that starts on that day.

Automatic renewal

Price changes

We may change subscription prices. A new price applies only to billing periods that begin after the change; it never changes a period you have already paid for. If a price change will affect your subscription, we will give you advance notice as required by applicable law. If you do not agree to a price change, you can cancel before your next renewal and you will not be charged the new price.

Failed payments

If a renewal payment fails, your subscription becomes past due. Paid access continues while our payment processor retries the charge. If the payment is still not collected, the subscription ends and your account returns to the Free plan.

Payment processing

Payments are processed by our third-party payment processor, Stripe. We do not store full card numbers on our systems. Your use of payment features is also subject to Stripe's terms. See our Privacy Policy for how billing data is handled.

Confirmation

After a successful checkout we send a confirmation email to the address used at checkout. It states the plan, the amount charged, how often the subscription renews, how to cancel, and our refund policy. If the email does not reach you, the plan, the price, the next renewal date and how to cancel are shown on your Billing page, and you can contact legal@traderhc.com.

6. Cancellation

To cancel:

1. Sign in. If you subscribed without creating an account, sign in with the email address you paid with; we email you a one-time sign-in link.
2. Open the Billing page.
3. Press Cancel subscription.

For a subscription bought on this website, pressing that button stops all future renewals straight away. If you hold more than one subscription, or a membership that was not bought on this website, the button instead opens the billing portal run by our payment processor, Stripe, where you choose the subscription and confirm. The same portal is also linked on the Billing page ("Open billing portal") and can be used to cancel, update your payment method, or see your invoices.

Cancellation takes effect at the end of the billing period you have already paid for. You keep access to paid features until that date, you are not charged again, and the remaining part of the current period is not refunded. For a subscription bought on this website, until that date you can undo the cancellation from the Billing page ("Keep my subscription"). After the period ends your account returns to the Free plan, unless you hold another active subscription that includes paid access.

If you cannot sign in, contact us at legal@traderhc.com.

7. Refunds

All sales are final. Except where required by applicable law, subscription payments are non-refundable, and we do not provide refunds or credits for partial billing periods, unused time, or features you did not use. Because you can cancel at any time to stop future charges, the way to avoid a charge is to cancel before your renewal date.

If you believe you were charged in error (for example, charged twice for the same period, or charged after a cancellation had taken effect), contact us at legal@traderhc.com and we will review it and correct a billing error. We may also, at our discretion, offer a refund or credit in an individual case. Nothing in this section limits any refund or cancellation right that applicable law gives you and that cannot be waived.

8. Free trials and promotions

We do not currently offer a free trial. If we offer a free or discounted trial in the future, the offer will state when it ends, and the trial will convert to a paid, auto-renewing subscription at the then-current price at the end of the trial period unless you cancel before it ends.

If you use a promotion code at checkout, the discount applies only for the period stated with the code. When that period ends, your subscription renews at the regular price for your plan shown on the pricing page, unless you cancel first.

9. Acceptable use

You agree not to:

• redistribute, resell, scrape, or republish the Service's content, alerts, or data, including any live OPRA-derived market data, except as expressly permitted;
• share your account or credentials with others;
• use the Service in any way that violates securities, options, market-data, or other applicable laws or the OPRA non-professional subscriber agreement;
• attempt to interfere with, reverse engineer, or gain unauthorized access to the Service or its infrastructure.

10. Market data and the OPRA agreement

Some features display live OPRA-derived market data (real-time NBBO bid/ask and live Greeks/implied volatility). Access to those live fields requires you to accept the OPRA non-professional subscriber agreement and our advisory/risk terms. Live OPRA-derived market data (real-time NBBO bid/ask, live Greeks and implied volatility) is provided for your non-professional, personal use only under the OPRA non-professional subscriber agreement. You agree not to redistribute it. Until you accept, only AgentHC's own modeled commentary is shown, not live OPRA fields. Until you accept, only AgentHC's own modeled commentary is shown, not live OPRA fields.

11. Risk disclosure and hypothetical performance

You acknowledge that trading securities and options involves substantial risk of loss, that any performance figures shown are hypothetical/simulated as described in our Disclosures, and that you should not trade with money you cannot afford to lose.

12. Position and conflict disclosure

Position / conflict disclosure: AgentHC may hold or trade the same options it discusses, and may exit positions into subscriber activity. Commentary should not be assumed to be free of conflicts of interest.

13. Intellectual property

The Service, including its software, text, commentary, and design, is owned by Sky Manor Trading LLC or its licensors and is protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your own personal, non-commercial use, subject to these Terms.

14. Disclaimer of warranties

The Service is provided "as is" and "as available," without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service, its data, or its commentary will be accurate, complete, timely, uninterrupted, or error-free.

15. Limitation of liability

To the maximum extent permitted by law, Sky Manor Trading LLC and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any trading or investment losses, arising out of or relating to your use of the Service.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, and nothing in these Terms takes away rights you have under consumer-protection laws that cannot be waived by agreement.

16. Termination

You may stop using the Service at any time and cancel any subscription as described above. We may suspend or terminate your access if you breach these Terms or to protect the Service. Sections that by their nature should survive termination (including disclaimers, limitations of liability, and dispute provisions) will survive.

17. Changes to these Terms

We may update these Terms. When we do, we will change the effective date and version shown at the top of this page. The version you agreed to when you subscribed is the one recorded with your purchase. Where the law requires it, we will notify you of a material change and/or ask you to agree again. Your continued use of the Service after a change takes effect constitutes acceptance of the updated Terms.

18. Governing law and disputes

These Terms are governed by the laws of the State of Minnesota, without regard to conflict-of-laws rules.

If you have a complaint, please contact us first at legal@traderhc.com so that we can try to resolve it. These Terms do not require arbitration and do not contain a class-action waiver: you and we may each bring a claim in any court that has jurisdiction over it. Nothing in this section limits rights you have under the consumer-protection laws of the place where you live that cannot be waived by agreement.

19. Contact

Questions about these Terms? Contact us at legal@traderhc.com. Sky Manor Trading LLC, 13025 Fenway Blvd N, Suite 300, Hugo, MN 55038.