Terms of Service

These Terms of Service (the “Terms”) govern your use of TraderM8. By creating an account, ticking the consent box at signup, or otherwise using TraderM8, you agree to these Terms together with our Privacy Policy, Risk Disclaimer, Cookie Policy, and Refund & Billing Policy, each of which is incorporated into these Terms by reference. If you do not agree to these Terms, do not create an account and do not use the service.

These Terms form a binding agreement between you and TraderM8, which is operated by Banjo Tomlinson, a sole trader registered in Australia (ABN 95 107 325 700) and based on the Gold Coast, Queensland. Where these Terms refer to “we”, “us”, or “our”, they mean Banjo Tomlinson trading as TraderM8. TraderM8 is an independent venture and is not operated by or affiliated with any other business.

You must be at least 16 years old to create an account. If you are under 18, you confirm that you have permission from a parent or legal guardian to use TraderM8. You confirm that you have the legal capacity to enter into this agreement and that the information you give us is true and accurate.

Trading real money may require a higher minimum age, or the use of a licensed broker, in your country or region. Meeting those requirements is your responsibility, not ours. We may refuse, suspend, or terminate any account that does not meet our eligibility requirements. We collect a date of birth at signup so that we can enforce the minimum age above.

TraderM8 provides educational, analytical, journaling, and simulated/backtesting tools for general information only. We are not a broker, dealer, financial adviser, investment adviser, or a licensed financial services provider, and we do not hold any financial services licence.

Nothing made available through the product, including biases, signals, levels, calculators, AI Coach output, news, and any other data, is financial, investment, legal, or tax advice. None of it is a recommendation, solicitation, or offer to buy or sell any financial product, security, currency, or other instrument. You must not rely on TraderM8 as the basis for any trading or investment decision.

Trading and investing involve a substantial risk of loss, and you can lose some or all of the money you commit. You are solely responsible for your decisions and for any resulting losses. You should seek advice from an appropriately licensed professional, who can consider your personal circumstances, before you trade or invest. For the full picture, read our Risk Disclaimer.

We show risk and disclaimer notices inside the product, such as the warning at the top of the dashboard and other tools. So they do not have to stay on screen forever, some of these notices can be dismissed once you have read them. If you close or dismiss a risk notice, you confirm that you have read, understood, and accepted it, and that you accept the risks it describes.

Dismissing a notice is for your convenience only. It does not waive, cancel, or limit any disclaimer, and every disclaimer continues to apply to your use of TraderM8 whether or not a notice is currently shown. The full Risk Disclaimer remains available at any time, including from the footer of every page.

You agree to provide accurate, current, and complete information when you create your account and to keep it up to date. You are responsible for keeping your login credentials secure and confidential, and you are responsible for all activity that takes place under your account.

You may hold one account per person unless we agree otherwise in writing. You must notify us promptly at traderm8.business@gmail.com if you become aware of any unauthorised use of your account or any other breach of security.

Some features of TraderM8 require a paid subscription. Paid plans are billed through our payment processor, Stripe. Paid plans renew automatically for the relevant billing period until you cancel. Where a free trial is offered, it will convert to a paid subscription unless you cancel before the trial ends.

Prices may change, and we will give you notice before a change takes effect. You are responsible for any taxes that apply to your subscription. Full detail, including how to cancel and how refunds work, is set out in our Refund & Billing Policy.

You agree that you will not:

• use the service for any unlawful purpose or in breach of any law;
• copy, scrape, reverse engineer, decompile, or resell the service or any part of it;
• interfere with or disrupt the service, its infrastructure, or its security;
• access data that is not yours, or attempt to bypass any access controls or authentication;
• use bots, scripts, or other automated means to abuse, overload, or extract data from the service; or
• upload, transmit, or share any unlawful, infringing, harmful, or malicious content.

We may suspend or terminate any account that breaches these rules, with or without notice where the breach is serious.

TraderM8 includes AI-powered features, such as the AI Coach and AI-assisted tools. AI output is automatically generated and may be inaccurate, incomplete, or out of date. AI output is not advice, and you are solely responsible for how you choose to use it. Do not input other people's personal or confidential information into any AI feature.

TraderM8 relies on market data and content supplied by third parties. This data may be delayed, simulated, inaccurate, incomplete, or unavailable. Because this content is provided by third parties and is outside our control, we are not responsible for their errors, omissions, delays, or outages, and we do not warrant the accuracy or completeness of any third-party data shown in the service.

We and our licensors own the TraderM8 software, brand, name, logos, design, and content. We grant you a limited, non-exclusive, non-transferable, and revocable licence to use the service for your own personal, non-commercial purposes, in accordance with these Terms. No other rights are granted.

You keep ownership of the content you create in the service, such as your journal entries, notes, and trade plans. You grant us a limited licence to host, store, process, and display that content solely to the extent needed to operate and provide the service to you.

To the maximum extent permitted by law, the service is provided “as is” and “as available”, without warranties or representations of any kind, whether express or implied. This includes, without limitation, any implied warranties of merchantability, fitness for a particular purpose, accuracy, reliability, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, secure, or free of harmful components.

To the maximum extent permitted by law, TraderM8 and its operator are not liable for any trading or investment losses, or for any indirect, incidental, special, consequential, or punitive damages, arising out of or in connection with your use of, or inability to use, the service.

To the maximum extent permitted by law, our total aggregate liability to you for all claims arising out of or relating to the service is limited to the greater of the amount you paid us in the 12 months before the event giving rise to the claim, or AUD 100.

Nothing in these Terms excludes, restricts, or modifies any rights, guarantees, or remedies that cannot lawfully be excluded, restricted, or modified under applicable consumer law, for example the Australian Consumer Law, or consumer protections in the EU or the UK. Where such a right or guarantee applies and cannot be excluded, our liability is limited to the extent the law allows.

To the extent permitted by law, you agree to indemnify and hold us harmless from and against any claims, losses, liabilities, and expenses (including reasonable legal costs) arising out of your misuse of the service or your breach of these Terms.

You may stop using the service and close your account at any time. We may suspend or terminate your access if you breach these Terms, if your use poses a risk to the service or to others, or where we need to do so to comply with the law.

On termination, your right to use the service ends. Any provisions that by their nature should survive termination will continue to apply, including the disclaimers, limitations of liability, indemnity, and the governing-law provisions below.

We may update these Terms as the product evolves. When we do, we will update the “Last updated” date at the top of this page. For material changes, we will give you reasonable notice in-app or by email. If you continue to use the service after changes take effect, you accept the updated Terms.

These Terms are governed by the laws of Queensland, Australia, and the courts of Queensland, Australia have jurisdiction over any dispute arising out of or relating to them. This does not deprive you of the mandatory consumer protections that apply in your country of residence.

Questions or requests? Email traderm8.business@gmail.com.