Terms of Service | Premiumly

Please read these Terms of Service ("Terms") carefully before using Premiumly ("we," "us," or "our") located at premiumly.ai (the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Description of Service

Premiumly is an options trade tracking and analytics platform designed to help individual investors monitor their Covered Call (CC) and Cash-Secured Put (CSP) positions. The Service provides tools for tracking premium income, analyzing probability of profit, monitoring position health, and surfacing AI-assisted insights based on publicly available market data.

The Service is currently in beta. Features may be incomplete, unavailable, or subject to change without notice. We make no guarantees about uptime, data accuracy, or feature availability during the beta period.

2. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that:

You are at least 18 years of age.
You have the legal capacity to enter into a binding contract.
Your use of the Service does not violate any applicable law or regulation.

3. Not Financial Advice

Premiumly does not provide investment advice, financial advice, trading advice, or any other type of advice. All information and tools provided by the Service are for informational and educational purposes only. Nothing on the Service constitutes a recommendation, solicitation, or offer to buy or sell any securities or financial instruments.

You are solely responsible for your investment decisions. Before making any investment or trading decision, you should consult a qualified financial advisor, broker, or other professional. Past performance is not indicative of future results. See our Risk Disclaimer for additional disclosures.

4. Beta Program

Access to Premiumly during the beta period is provided free of charge. As a beta user ("Founding Member"), you agree to:

Provide honest feedback about your experience to help improve the Service.
Understand that the Service may contain bugs, errors, or incomplete features.
Not rely on the Service for critical financial decisions during the beta period.

Founding Members who join during the beta period are eligible for a 20% lifetime discount off the standard subscription price at launch. This discount applies to the price at the time of billing and will be honored as long as the account remains in good standing and the subscription is not cancelled. We reserve the right to modify pricing, but the 20% discount will always apply to whatever the then-current standard price is.

5. User Accounts

When accounts are made available, you will be responsible for:

Maintaining the confidentiality of your account credentials.
All activities that occur under your account.
Notifying us immediately of any unauthorized use of your account.

We reserve the right to terminate accounts that violate these Terms or that are used for fraudulent purposes.

6. Prohibited Conduct

You agree not to:

Use the Service for any unlawful purpose or in violation of any regulations.
Attempt to gain unauthorized access to any part of the Service or its infrastructure.
Scrape, crawl, or use automated means to extract data from the Service.
Reverse engineer, decompile, or disassemble any part of the Service.
Use the Service to transmit spam or unsolicited communications.
Impersonate any person or entity or misrepresent your affiliation.
Interfere with or disrupt the integrity or performance of the Service.

7. Intellectual Property

All content, features, and functionality of the Service — including but not limited to text, graphics, logos, scoring algorithms, and software — are owned by Premiumly and protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written consent.

8. Third-Party Data and Services

The Service may display market data, prices, or other financial information sourced from third-party providers. We do not guarantee the accuracy, completeness, or timeliness of any such data. We are not responsible for errors or omissions in third-party data.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF DATA. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PREMIUMLY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, TRADING LOSSES, DATA LOSS, OR BUSINESS INTERRUPTION — ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless Premiumly and its affiliates, officers, directors, and employees from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of or in connection with your use of the Service, violation of these Terms, or violation of any third-party rights.

12. Termination

We may suspend or terminate your access to the Service at any time, with or without cause or notice. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination (including Sections 3, 7, 9, 10, and 11) shall survive.

13. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration under the rules of the American Arbitration Association, conducted in English. You waive any right to participate in a class action lawsuit or class-wide arbitration.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page. Your continued use of the Service after such notice constitutes your acceptance of the updated Terms.

15. Contact

For questions about these Terms, contact us at: legal@premiumly.ai