Terms of Service

1. Introduction and Acceptance

1.1 Agreement to Terms

These Terms of Service ("Terms", "Agreement") constitute a legally binding agreement between you ("User", "you", "your") and StratWise.ai ("StratWise", "Platform", "we", "us", "our") governing your access to and use of the https://stratwise.ai platform, including our website, mobile applications, APIs, and all related services (collectively, the "Service").

1.2 Acceptance

By accessing, registering for, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Service.

1.3 Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding contracts to use the Service. By using the Service, you represent and warrant that you meet these eligibility requirements.

1.4 Geographic Restrictions

The Service may not be available in all jurisdictions. It is your responsibility to ensure that your use of the Service complies with applicable laws in your jurisdiction. Users from restricted jurisdictions (including but not limited to: United States, China, North Korea, Iran, Syria, Cuba, Crimea region) are prohibited from using the Service.

2. Service Description

2.1 Platform Overview

https://stratwise.ai is an automated cryptocurrency trading platform that utilizes artificial intelligence and machine learning algorithms to execute trading strategies on behalf of users. The Platform connects to supported cryptocurrency exchanges via API integration.

2.2 AI-Powered Trading

The Service employs:

• Machine learning models for market analysis and prediction
• Natural Language Processing (NLP) for sentiment analysis
• Adaptive algorithms that adjust to market conditions
• Automated trade execution based on AI-generated signals
• Risk management systems with dynamic position sizing

2.3 Non-Custodial Model

StratWise operates on a non-custodial basis. Your cryptocurrency assets remain in your exchange account at all times. StratWise only receives trading permissions via API keys and never has withdrawal access to your funds.

2.4 No Investment Advice

StratWise provides automated trading technology and does not provide investment advice, financial advice, trading advice, or any other sort of advice. All trading decisions are made by automated algorithms, and you are solely responsible for determining whether any investment, investment strategy, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance.

3. Account Registration and Security

3.1 Account Creation

To use the Service, you must:

• Create an account by providing accurate and complete information
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your account credentials
• Accept full responsibility for all activities that occur under your account

3.2 Identity Verification (KYC)

We reserve the right to require identity verification (Know Your Customer - KYC) procedures at our discretion. You agree to provide accurate identification documents upon request. Failure to complete KYC procedures may result in account suspension or termination.

3.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your password and account credentials
• All activities that occur under your account
• Immediately notifying us of any unauthorized use of your account
• Ensuring your email account associated with StratWise is secure

3.4 API Key Security

When connecting exchange accounts via API:

• You must create API keys with trading permissions only (no withdrawal permissions)
• You must secure your API keys and not share them with third parties
• You acknowledge that compromised API keys may result in unauthorized trading
• You must immediately revoke API access if you suspect any security breach

4. Trading and Financial Risks

4.1 High-Risk Nature of Cryptocurrency Trading

You acknowledge and agree that:

• Cryptocurrency trading involves substantial risk of loss
• The cryptocurrency market is highly volatile and unpredictable
• Past performance is not indicative of future results
• You may lose some or all of your invested capital
• AI algorithms cannot guarantee profits or prevent losses

4.2 No Guarantees

StratWise makes no representations, warranties, or guarantees regarding:

• Trading performance or profitability
• Accuracy of AI predictions or analysis
• Uptime or availability of the Service
• Execution of trades at specific prices
• Prevention of losses or achievement of gains

4.3 Market Risks

You understand that cryptocurrency markets are subject to:

• Extreme price volatility
• Liquidity constraints
• Exchange outages and technical failures
• Regulatory changes and uncertainty
• Market manipulation and flash crashes
• Network congestion and failed transactions

4.4 AI and Algorithm Limitations

You acknowledge that:

• AI algorithms are based on historical data and may not predict future outcomes
• Machine learning models can produce unexpected results
• Algorithms may not adapt quickly enough to rapidly changing market conditions
• Technical bugs or errors in algorithms may occur
• AI systems are not infallible and can make incorrect decisions

4.5 Risk of Total Loss

You acknowledge that you may lose all funds allocated to automated trading and that you are solely responsible for any such losses.

5. Fees and Payments

5.1 Fee Structure

StratWise does not charge setup fees, subscription fees, or hidden payments. The monetization model is based on the results achieved for the User.

StratWise charges fees according to the following fee schedule:

5.2 Performance Fees

Performance fees are calculated as 30% of the net profits generated by the automated trading system. Performance fees are charged:

• Only on profitable trades or profitable periods
• After deducting any losses from the calculation period
• According to high-water mark principles: no Performance Fee is charged until the strategy's net asset value exceeds the previous highest value at which a Performance Fee was charged

5.3 Management Fee

A Management Fee of 2% per annum is charged on Assets Under Management (AUM) for accounts exceeding $50,000 in total AUM. The Management Fee is calculated pro rata and debited automatically from the User's Platform Balance (as defined in Section 5.7).

5.4 Operation Fee

An Operation Fee of 2% per annum is charged on the User's account balance for all active accounts. The Operation Fee covers the Platform's operational costs, is calculated pro rata, and debited automatically from the User's Platform Balance (as defined in Section 5.7).

5.5 Fee Changes

We reserve the right to modify our fee structure with 30 days' notice to users. Continued use of the Service after fee changes constitutes acceptance of the new fees.

5.6 Payment Processing

All payments are processed through third-party payment processors. You agree to comply with their terms and conditions. We are not responsible for payment processing errors or failures by third parties.

5.7 Platform Balance

5.7.1 Overview

To pay fees described in Sections 5.1–5.4, you are required to maintain a positive balance on the StratWise internal account ("Platform Balance"). The Platform Balance is separate from your exchange trading balance and is denominated in USDT.

5.7.2 Deposits

You may fund your Platform Balance by depositing USDT via supported blockchain networks (Ethereum mainnet at launch; additional networks may be added). Deposits are typically credited within 5–10 minutes after on-chain confirmation.

5.7.3 Fee Deduction

All fees (Performance Fee, Management Fee, Operation Fee) are automatically deducted from the Platform Balance. Funds on your exchange account are never used to pay Platform fees.

5.7.4 Deduction Priority

When Bonus Credits (as defined in Section 5.8) are available, they are applied before the real Platform Balance. Once Bonus Credits are exhausted or expired, fees are deducted from the real Platform Balance.

5.7.5 Insufficient Balance and Strategy Suspension

If your Platform Balance (including Bonus Credits) is insufficient to cover accrued fees:

• All active strategies linked to your account will be automatically paused
• Open positions on the exchange will NOT be closed — they remain on the exchange in their current state
• You will receive a notification (in-app, email, and Telegram if connected) informing you that your strategies have been paused due to insufficient Platform Balance
• You must deposit additional funds to your Platform Balance to resume trading
• Once your Platform Balance is replenished, paused strategies will automatically resume operation

You acknowledge and agree that StratWise bears no responsibility for any losses, missed trading opportunities, or adverse market movements that occur while your strategies are paused due to insufficient Platform Balance.

5.8 Bonus Program

5.8.1 Nature of Bonus Credits

StratWise may, at its sole discretion, grant virtual credits ("Bonus Credits") to your Platform Balance. Bonus Credits:

• Are virtual credits, not real funds, and have no cash value
• May only be used to pay Platform fees (Performance Fee, Management Fee, Operation Fee)
• Cannot be withdrawn, transferred, or exchanged for cash or cryptocurrency
• Are not the User's property and do not constitute a deposit, payment, or obligation by StratWise

5.8.2 Granting Conditions

Bonus Credits may be granted for completing specific actions on the Platform, including but not limited to: account registration, email verification, connecting an exchange API key, launching a strategy, depositing funds, or achieving certain milestones. The specific amounts, conditions, and types of Bonus Credits are published on the Platform and may be changed at any time at StratWise's sole discretion.

5.8.3 Expiration

Each Bonus Credit has an individual expiration period starting from the date of grant. Upon expiration, unused Bonus Credits are automatically forfeited and removed from the Platform Balance. StratWise will provide advance notifications before Bonus Credits expire.

5.8.4 Limitations

StratWise reserves the right to:

• Modify, suspend, or terminate the Bonus Program at any time without prior notice
• Revoke Bonus Credits in case of suspected abuse, fraud, or violation of these Terms
• Set maximum limits on accumulated Bonus Credits per account
• Change the conditions for granting, using, or expiring Bonus Credits

5.8.5 No Liability

StratWise shall not be liable for any losses, damages, or claims arising from the expiration, revocation, or modification of Bonus Credits. Bonus Credits do not create any obligation on the part of StratWise to the User.

5.9 Refund Policy

Performance fees are non-refundable. No refunds are provided for trading losses. Deposits to the Platform Balance are non-refundable except as required by applicable law.

6. Exchange Integration and Third-Party Services

6.1 Supported Exchanges

StratWise integrates with select cryptocurrency exchanges via API. The list of supported exchanges is published on our website and may change at any time.

6.2 Exchange Relationships

StratWise is not affiliated with, endorsed by, or controlled by any cryptocurrency exchange. Each exchange operates independently with its own terms of service, fees, and policies.

6.3 Exchange Account Responsibility

You are responsible for:

• Creating and maintaining accounts on supported exchanges
• Complying with exchange terms of service
• Paying exchange trading fees and commissions
• Ensuring adequate funds and margin in your exchange account
• Managing exchange-specific security measures (2FA, IP whitelisting, etc.)

6.4 Exchange Risks

You acknowledge that exchanges may:

• Experience outages, downtime, or technical issues
• Implement withdrawal restrictions or account freezes
• Change their API terms or restrict API access
• Suffer security breaches or hacking incidents
• Face regulatory actions or insolvency

6.5 Third-Party Services

The Service may integrate with or link to third-party services. We are not responsible for the content, privacy policies, or practices of third-party services.

7. Intellectual Property Rights

7.1 Ownership

All intellectual property rights in the Service, including but not limited to software, algorithms, AI models, designs, text, graphics, logos, and trademarks, are owned by StratWise or our licensors.

7.2 Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal use.

7.3 Restrictions

You may not:

• Copy, modify, or create derivative works of the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Rent, lease, sell, sublicense, or transfer the Service to third parties
• Remove or alter any proprietary notices on the Service
• Use the Service to develop competing products

7.4 User Data

You retain ownership of your personal data and trading data. By using the Service, you grant us a license to use your data to provide and improve the Service, as described in our Privacy Policy.

7.5 Feedback

If you provide feedback, suggestions, or ideas about the Service, we may use them without any obligation to compensate you.

8. Prohibited Activities

8.1 You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms
• Engage in market manipulation, wash trading, or other fraudulent activities
• Use the Service to facilitate money laundering or terrorist financing
• Attempt to gain unauthorized access to the Service or other users' accounts
• Introduce viruses, malware, or other malicious code
• Use automated systems (bots) to access the Service except as explicitly permitted
• Overload or interfere with the proper functioning of the Service
• Scrape, crawl, or harvest data from the Service
• Impersonate another person or entity
• Create multiple accounts to circumvent restrictions or limitations
• Share your account credentials with others

8.2 Manipulation and Abuse

You may not use the Service to:

• Manipulate cryptocurrency prices or markets
• Engage in front-running or other unfair trading practices
• Exploit system vulnerabilities or bugs for personal gain
• Coordinate with others to manipulate trading outcomes

8.3 Bonus Program Abuse

You may not:

• Create multiple accounts to obtain additional Bonus Credits
• Use automated means to trigger bonus conditions
• Exploit errors or loopholes in the Bonus Program
• Transfer, sell, or trade Bonus Credits

Any suspected abuse of the Bonus Program may result in immediate revocation of all Bonus Credits and suspension or termination of your account.

8.4 Compliance with Laws

You must comply with all applicable laws and regulations, including but not limited to:

• Anti-money laundering (AML) laws
• Counter-terrorism financing (CTF) laws
• Securities laws and regulations
• Tax reporting requirements
• Data protection and privacy laws

9. Disclaimers and Limitation of Liability

9.1 "AS IS" Disclaimer

The Service is provided on an "as is" and "as available" basis 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 course of performance.

9.2 No Warranty of Performance

StratWise does not warrant that:

• The Service will be uninterrupted, secure, or error-free
• Defects will be corrected
• The Service is free of viruses or harmful components
• Results obtained from the Service will be accurate or reliable
• AI algorithms will generate profits or prevent losses

9.3 Limitation of Liability

To the maximum extent permitted by law, StratWise shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or trading opportunities
• Loss of data or cryptocurrency assets
• Business interruption
• Personal injury or property damage

9.4 Maximum Liability Cap

IN NO EVENT SHALL STRATWISE'S TOTAL LIABILITY TO YOU EXCEED THE AMOUNT OF FEES PAID BY YOU TO STRATWISE IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR $100 (WHICHEVER IS GREATER).

9.5 Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless StratWise, its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any rights of third parties
• Your violation of applicable laws or regulations
• Your trading activities and losses
• Unauthorized access to your account due to your negligence

11. Termination

11.1 Termination by User

You may terminate your account at any time by:

• Disconnecting all exchange API integrations
• Requesting account closure through the Platform
• Ceasing to use the Service

11.2 Termination by StratWise

We reserve the right to suspend or terminate your account immediately, without notice, for:

• Violation of these Terms
• Suspected fraudulent or illegal activity
• Non-payment of fees
• Extended inactivity
• Risk management or compliance reasons
• Any reason at our sole discretion

11.3 Effect of Termination

Upon termination:

• Your right to access and use the Service immediately ceases
• Active trading bots will be stopped
• Performance fees owed will become immediately due
• We may delete your account data after a reasonable retention period
• Provisions that by their nature should survive termination will continue to apply
• Any remaining Bonus Credits will be immediately forfeited

11.4 No Refunds Upon Termination

No refunds will be provided upon termination for any reason, including for performance fees already charged.

12. Modifications to Terms

12.1 Right to Modify

We reserve the right to modify these Terms at any time. We will provide notice of material changes by:

• Posting the updated Terms on our website
• Sending email notification to your registered email address
• Displaying a prominent notice on the Platform

12.2 Acceptance of Changes

Continued use of the Service after changes to these Terms constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service and terminate your account.

12.3 Version History

The date of the last update to these Terms is indicated at the top of this document. We recommend reviewing the Terms periodically.

13. Dispute Resolution

13.1 Informal Resolution

Before initiating formal dispute resolution, you agree to contact us to attempt informal resolution of any dispute, claim, or controversy.

13.2 Arbitration Agreement

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules in court, except that you may assert claims in small claims court if your claims qualify.

13.3 Class Action Waiver

You agree that disputes will be resolved only on an individual basis and not as a class action, consolidated action, or representative action.

13.4 Exceptions to Arbitration

Either party may seek injunctive or equitable relief in court for:

• Intellectual property infringement
• Unauthorized access to systems
• Violations of the Computer Fraud and Abuse Act

14. General Provisions

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Dubai, UAE, without regard to conflict of law principles.

14.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14.3 Entire Agreement

These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and StratWise regarding the Service.

14.4 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

14.5 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

14.6 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

14.7 Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights except as expressly stated herein.

14.8 Electronic Communications

You consent to receive electronic communications from us, including emails, notifications, and postings on the Platform. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing.

15. Contact Information

If you have questions about these Terms, please contact us at:

• Email: legal@stratwise.ai
• Support: team@stratwise.ai
• Website: https://stratwise.ai

16. Acknowledgment

By clicking "I agree", registering for an account, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.

You further acknowledge that:

1. Cryptocurrency trading involves substantial risk of loss
2. AI algorithms cannot guarantee profits
3. You may lose all funds allocated to trading
4. You are solely responsible for your trading decisions and outcomes
5. StratWise is not liable for trading losses
6. You have the financial capacity to bear potential losses
7. You have consulted with financial, legal, and tax advisors as appropriate

Trade at your own risk