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Terms of Service

Effective date: [EFFECTIVE DATE] · Last updated: [LAST UPDATED]

These Terms govern your use of the PipStack website, Telegram bot and trade-copying service (the “Service”), provided by [COMPANY LEGAL NAME] (“we”, “us”). By creating an account, purchasing a plan or using the Service you agree to these Terms.

1. What the Service is

PipStack is a hosted software service. It reads trading signals published in Telegram channels that are connected to PipStack, and, according to settings you choose, places and manages corresponding orders in cTrader trading accounts that you have authorised.

We do not provide signals, select channels for you, manage accounts on a discretionary basis, hold client funds, or receive your broker or cTrader password.

2. Your account and broker connection

• You must be at least 18 and legally able to trade the instruments you trade where you live.
• You connect a cTrader account by signing in on cTrader’s own authorisation page. You may connect the number of accounts included in your plan (Basic: 1; Pro: 3).
• You are responsible for your Telegram account, your cTrader ID and keeping them secure. Tell us promptly if you believe your access has been misused.

3. Trading authorisation

• By connecting an account and pressing “Start copying”, you instruct the Service to place, modify and close orders in that account according to the channels and risk settings you selected, until you pause, stop or disconnect.
• The Service only acts on signals that pass its validation (for example, a stop-loss is mandatory). It may skip signals and will tell you why.
• Live accounts require a separate confirmation. You can pause, use the emergency stop, disconnect in the bot, or revoke access in your cTrader ID settings at any time.
• Execution depends on third parties (Telegram, cTrader/Spotware, your broker). Orders may be delayed, partially filled, filled at a different price, or not placed.

4. Plans, payment and renewal

• Card subscriptions (via Stripe) renew automatically each month or year until cancelled; cancellation takes effect at the end of the paid period.
• Crypto payments (via NOWPayments) are prepaid for 1 or 12 months and do not renew automatically.
• Prices are shown in USD and exclude any taxes where applicable [TAX TREATMENT].
• If payment fails or a plan ends, new trades stop after any grace period [GRACE PERIOD]. Open positions keep their broker-side stop-loss and take-profit.
• Refunds are governed by our Refund Policy.

5. No investment advice

The Service is software only. Nothing on our website, in the Service or in our Telegram bot is investment, financial, legal or tax advice, or a recommendation to buy or sell any instrument. You choose which channels to copy and how much to risk. See our Risk Warning.

6. Your responsibilities

• You are responsible for your trading decisions, the channels you choose, your risk settings and monitoring your account.
• You must ensure that using the Service, your broker and the instruments you trade is lawful where you live.
• You must not misuse the Service, attempt to access other users’ data, or resell access to it [UNLESS AGREED IN WRITING].

7. Limitation of liability

To the maximum extent permitted by law: the Service is provided “as is” and “as available” without warranties of any kind; we are not liable for trading losses, lost profits, missed or delayed trades, or indirect or consequential losses; and our total liability for any claim is limited to [LIABILITY CAP, e.g. fees paid in the 3 months before the claim]. Nothing in these Terms limits liability that cannot be limited by law.

8. Availability and changes

We aim for high availability but do not guarantee uninterrupted service. We may change, add or remove features, supported platforms or connected channels. We will give reasonable notice of material changes where practical.

9. Suspension and termination

You may stop using the Service and disconnect your accounts at any time. We may suspend or terminate access if you breach these Terms, fail to pay, use the Service unlawfully, or if required by law, a platform provider or your broker. On termination, we stop placing new trades and delete your access tokens.

10. Governing law and disputes

These Terms are governed by the laws of [JURISDICTION]. Disputes will be resolved in [COURTS / ARBITRATION], without prejudice to mandatory consumer rights where you live.

11. Changes to these Terms

We may update these Terms. Material changes will be announced in the bot or on this page before they take effect. Continued use after that date means you accept the updated Terms. Contact: [CONTACT EMAIL / ADDRESS].