Terms of Service

These Terms of Service (“Terms”) govern your use of the Secuora trading journal and market replay/backtesting platform, including our website at secuora.xyz and our mobile applications (the “Service”). The Service is operated by SIA “Miglai” (registration No. 40203733943), Latvia (“Secuora”, “we”, “us”). By accessing or using the Service you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and able to enter into a binding contract to use the Service.

2. What Secuora is

Secuora is an educational trading journal and market replay/backtesting simulator. It lets you replay historical market data and place simulated trades, journal your real trades, and review performance analytics.

3. Not financial advice

Secuora is a software tool. It is not a broker, exchange, fund, or financial adviser, and it does not execute real trades. Nothing in the Service is investment, financial, legal, accounting, or tax advice, or a recommendation to buy or sell any instrument. Simulated and historical results do not guarantee future performance. Trading and investing involve substantial risk, including the possible loss of all capital. You are solely responsible for your own decisions, and you should consult a licensed professional before making any financial decision.

4. Your account

• You are responsible for keeping your credentials secure and for all activity under your account.
• You must provide accurate information and use the Service lawfully.
• Accounts are personal to you and may not be shared or transferred.

5. Acceptable use

You agree not to:

• misuse, disrupt, overload, or attempt to gain unauthorised access to the Service;
• scrape, reverse-engineer, or copy the Service except as permitted by law;
• circumvent usage limits, plan gating, or payment;
• infringe the rights of others or post unlawful, harmful, or abusive content; or
• use the Service to provide regulated financial services to third parties.

We may suspend or terminate accounts that violate these Terms.

6. Your content and the community

You keep ownership of the content you create. To operate the Service you grant us a worldwide, non-exclusive, royalty-free licence to host, store, process, and display your content as needed to provide it — including showing content you choose to publish to other community users. You are responsible for what you post, and we may remove content or suspend accounts that breach these Terms or our community rules.

7. Subscriptions and billing

• Some features require a paid plan. Prices, the billing cycle, and what is included are shown at checkout.
• Web subscriptions are billed through Stripe and renew automatically until cancelled.
• You can cancel anytime from Settings → Manage subscription; your plan stays active until the end of the current billing period.
• Except where required by law (including EU/EEA consumer-withdrawal rights), payments are non-refundable.
• We may change prices or plans with reasonable notice; changes apply to future billing periods.
• Purchases made through the Apple App Store or Google Play are billed by, and subject to the terms of, those stores, and refunds for them are handled by the store.

8. Market data

Historical market data is provided for your personal, educational use only. It may be delayed, incomplete, or inaccurate, is subject to the terms of our data providers, and may not be redistributed. We are not liable for data errors or omissions.

9. Intellectual property

The Service, including its software, design, and content (other than your own content), is owned by SIA “Miglai” and protected by law. We grant you a limited, revocable, non-transferable licence to use the Service for its intended purpose. You may not copy, resell, or create derivative works from it.

10. Third-party services

The Service relies on third parties such as Supabase, Stripe, Google, Apple, and market-data providers. Your use of those services may also be subject to their own terms and privacy policies.

11. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or uninterrupted availability.

12. Limitation of liability

To the maximum extent permitted by law, Secuora and SIA “Miglai” will not be liable for any indirect, incidental, special, or consequential damages, or for any trading or investment losses, arising from your use of the Service. Our total liability for any claim is limited to the amount you paid us for the Service in the 12 months before the claim. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited by law, including your mandatory consumer rights.

13. Indemnification

You agree to indemnify and hold us harmless from claims arising out of your misuse of the Service, your content, or your breach of these Terms, to the extent permitted by law.

14. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access if you breach these Terms or to protect the Service or other users. Provisions that by their nature should survive termination (such as disclaimers and limitation of liability) will survive.

15. Changes to these Terms

We may update these Terms from time to time. The “Last updated” date above reflects the most recent version, and we will notify you of material changes. Continued use after changes take effect means you accept the updated Terms.

16. Governing law

These Terms are governed by the laws of Latvia and the European Union, and disputes are subject to the competent courts of Latvia, without affecting any mandatory consumer protections available to you where you live.

17. Apple App Store

If you download a Secuora app from the Apple App Store, you also agree to Apple’s standard Licensed Application End User License Agreement. These Terms are concluded between you and SIA “Miglai” only, not Apple. Apple is not responsible for the app or its support, but is a third-party beneficiary of these Terms and may enforce them against you. You confirm that you are not located in a country subject to a U.S. embargo and are not on any U.S. prohibited-parties list.

18. Contact

Questions about these Terms? Email support@migla.io.