Terms of Service

1. Acceptance of Terms

Welcome to ZERO TILT. These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Pedro Rubio, doing business as Blackfyre ("we," "us," "our," or "Company"), governing your access to and use of the ZERO TILT application, website at zerotilt.io, and all related services (collectively, the "Service").

The Service is available across multiple platforms, including our website (zerotilt.io), iOS and Android mobile applications, macOS desktop application, Chrome browser extension, and Safari browser extension.

By creating an account, downloading, installing, or otherwise accessing 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.

2. Use License

2.1 Grant of License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the Service on devices that you own or control, solely for your personal, non-commercial use.

2.2 Permitted Uses

You may use the Service to:

• Log and track trading urges, emotions, and psychological patterns
• Maintain a personal trading journal
• Track streaks and build healthy trading habits
• Interact with the AI coaching feature ("Mika")
• Participate in community forum discussions
• Use breathing exercises, cognitive games, and other self-regulation tools
• Block distracting or triggering websites using the site-blocking feature

2.3 Restrictions

You agree that you will NOT:

• Copy, modify, distribute, sell, lease, sublicense, or create derivative works of the Service or any part thereof
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices from the Service
• Use the Service for any unlawful, fraudulent, or malicious purpose
• Use automated scripts, bots, scrapers, or other automated means to access or interact with the Service
• Attempt to gain unauthorized access to the Service, other user accounts, or any related systems or networks
• Interfere with or disrupt the integrity or performance of the Service
• Use the Service to provide financial advice, investment recommendations, or trading signals to others
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Use the AI coaching feature in a manner designed to circumvent its intended purpose or safety guidelines

3. Account Registration & Security

3.1 Account Creation

To access certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information as necessary to keep it accurate, current, and complete.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials, including your password. You agree to notify us immediately at support@zerotilt.app if you become aware of any unauthorized use of your account or any other breach of security.

3.3 Account Responsibility

You are solely responsible for all activity that occurs under your account, whether or not you have authorized such activity. We will not be liable for any loss or damage arising from your failure to maintain the security of your account credentials.

3.4 One Account Per Person

Each individual may maintain only one account. Creating multiple accounts to abuse free trials, promotions, or community features is prohibited and may result in the termination of all associated accounts.

4. Subscription Terms

4.1 Free and Pro Plans

ZERO TILT offers a free tier with limited features and a Pro subscription ("Pro Plan") with full access to all features. The Pro Plan is available at the following prices:

• Monthly: $10.00 USD per month
• Annual: $99.00 USD per year

Pricing is subject to change. We will notify you of any price changes before they take effect. Continued use of the Pro Plan after a price change constitutes your acceptance of the new pricing.

4.2 Free Trial

New users may be eligible for a 7-day free trial of the Pro Plan. The free trial begins when you subscribe and ends 7 days later. If you do not cancel before the trial period ends, your subscription will automatically convert to a paid subscription and you will be charged the applicable subscription fee.

4.3 Auto-Renewal

4.4 Payment Methods

Payments for the Pro Plan are processed through the following third-party payment providers depending on your platform:

• Web (zerotilt.io): Payments are processed by Stripe, Inc. Your use of Stripe is subject to Stripe's Terms of Service.
• iOS: Payments are processed through the Apple App Store. Your subscription is subject to Apple's Terms and Conditions.
• Android: Payments are processed through Google Play. Your subscription is subject to Google Play's Terms of Service.

4.5 Cancellation

You may cancel your subscription at any time. The method of cancellation depends on how you subscribed:

• Web subscriptions: Cancel through your account settings at zerotilt.io or by contacting support@zerotilt.app.
• iOS subscriptions: Cancel through your Apple ID subscription settings (Settings > Apple ID > Subscriptions).
• Android subscriptions: Cancel through Google Play (Google Play Store > Menu > Subscriptions).

Upon cancellation, your Pro Plan access will remain active until the end of your current billing period. After that, your account will revert to the free tier. You will not lose any data associated with your account.

4.6 Refunds

For web subscriptions processed through Stripe, refund requests may be submitted to support@zerotilt.app within 14 days of the initial charge or any renewal charge. Refunds are issued at our sole discretion.

For iOS and Android subscriptions, refund requests must be directed to Apple or Google respectively, as they control the billing relationship. We do not have the ability to issue refunds for purchases made through the App Store or Google Play.

5. User Content

5.1 Your Content

"User Content" refers to any text, data, journal entries, community forum posts, comments, images, or other materials that you submit, post, or transmit through the Service.

5.2 Ownership

You retain full ownership of all User Content that you create. ZERO TILT does not claim ownership of your journal entries, urge logs, notes, or any other personal content.

5.3 License Grant

By submitting User Content to the Service, you grant us a limited, worldwide, non-exclusive, royalty-free license to use, store, display, reproduce, and process your User Content solely for the purposes of operating, maintaining, and providing the Service to you. For content posted to community forums, this license extends to displaying that content to other users of the Service.

This license terminates when you delete your User Content or your account, except where your content has been shared with others through community features and they have not deleted it, or where we are required by law to retain it.

5.4 Content Moderation

We reserve the right, but are not obligated, to review, monitor, or remove User Content that violates these Terms or our Community Guidelines. Community forum posts may be subject to automated and manual moderation.

5.5 Content Responsibility

You are solely responsible for your User Content and the consequences of posting or publishing it. You represent and warrant that you own or have the necessary rights to submit your User Content and that your User Content does not violate any applicable law or infringe any third-party rights.

6. Community Guidelines

ZERO TILT includes community forum features where users can interact with one another. By participating in the community, you agree to the following guidelines:

6.1 Prohibited Content and Behavior

You agree not to post, share, or engage in any of the following:

• Harassment and bullying: Targeting, threatening, intimidating, or demeaning other users
• Hate speech: Content that promotes violence or hatred against individuals or groups based on race, ethnicity, religion, gender, sexual orientation, disability, or any other protected characteristic
• Financial advice or trading signals: Specific buy/sell recommendations, stock tips, or trading signals. The community is for discussing trading psychology, not executing trades
• Spam and self-promotion: Unsolicited advertising, promotional materials, referral links, or repetitive content
• Misinformation: Deliberately false or misleading content, especially regarding financial markets or mental health
• Explicit or inappropriate content: Sexually explicit material, graphic violence, or other content not appropriate for a professional community
• Personal information: Sharing other people's personal or private information without their consent
• Illegal activity: Content that promotes or facilitates illegal activities, including market manipulation, insider trading, or fraud
• Impersonation: Pretending to be another user, a financial professional, a therapist, or any other person or entity

6.2 Enforcement

We reserve the right to remove any content and suspend or terminate any account that violates these Community Guidelines, at our sole discretion and without prior notice. Repeated or severe violations may result in permanent account termination.

6.3 Reporting

If you encounter content that violates these guidelines, please report it using the in-app reporting feature or by emailing support@zerotilt.app.

7. AI Coach Disclaimer

7.1 Nature of the AI Coach

Mika is an artificial intelligence feature powered by third-party AI technology (Anthropic's Claude). Mika is designed to help you reflect on your trading psychology, manage emotional responses such as tilt, revenge trading, and FOMO, and develop healthier trading habits. Mika offers general guidance on topics like emotional regulation, cognitive biases, and behavioral patterns in trading.

7.2 Not Financial Advice

Mika does not and will not provide financial advice, investment recommendations, trading signals, specific trade suggestions, or opinions on specific financial instruments, securities, or markets. Any discussion of trading concepts is limited to the psychological and behavioral aspects of trading. You should consult a qualified and licensed financial advisor before making any investment or trading decisions.

7.3 Not Therapy or Medical Advice

Mika is not a substitute for professional mental health treatment. If you are experiencing significant psychological distress, addiction (including gambling addiction), depression, anxiety, or any other mental health condition, please seek help from a licensed mental health professional. If you are in crisis, please contact your local emergency services or a crisis helpline immediately.

7.4 Accuracy and Limitations

While we strive to make Mika helpful and accurate, AI-generated responses may contain errors, inaccuracies, or inappropriate content. You should not rely on Mika's responses as the sole basis for any decisions. We make no warranties regarding the accuracy, reliability, or completeness of any information provided by Mika.

7.5 Your Responsibility

You acknowledge and agree that any actions you take based on interactions with Mika are taken at your own risk and discretion. We disclaim all liability for any losses, damages, or adverse outcomes resulting from your reliance on Mika's responses.

8. Site Blocking Disclaimer

8.1 How Site Blocking Works

ZERO TILT includes a site-blocking feature designed to help you avoid distracting or triggering websites during trading or when you are experiencing an urge. Depending on the platform, this feature may operate by:

• Desktop (macOS): Modifying your system's hosts file (/etc/hosts) to redirect blocked domains
• Chrome Extension: Using browser extension APIs to intercept and block navigation to specified domains
• Safari Extension: Using Safari content blocker APIs to block specified domains

8.2 Consent to System Modifications

8.3 Risks and Limitations

You acknowledge and accept the following regarding the site-blocking feature:

• Modifications to the hosts file affect all applications and browsers on your computer, not just ZERO TILT
• The site-blocking feature may conflict with other software that modifies the hosts file, including VPNs, ad blockers, parental control software, or security tools
• In rare cases, improper modifications to the hosts file could affect system functionality or network connectivity
• The site-blocking feature is a self-help tool and is not foolproof; it can be bypassed or disabled by a knowledgeable user
• We are not responsible for any system issues, data loss, or other problems that may arise from the use of the site-blocking feature

8.4 Reversibility

All site-blocking changes made by ZERO TILT are reversible. You can disable site blocking at any time through the application settings, which will restore your hosts file (or browser extension rules) to their previous state. If you uninstall ZERO TILT, we recommend verifying that your hosts file has been restored to its default state.

9. Intellectual Property

9.1 Our Intellectual Property

The Service, including but not limited to its design, graphics, user interface, text, images, logos, trademarks, trade names, software code, algorithms, and all other content and materials (excluding User Content), is the exclusive property of Pedro Rubio / Blackfyre or its licensors and is protected by copyright, trademark, trade secret, and other intellectual property laws.

9.2 Trademarks

"ZERO TILT," "Blackfyre," the ZERO TILT logo, and any related names, logos, product and service names, designs, and slogans are trademarks of Pedro Rubio / Blackfyre. You may not use these marks without our prior written permission.

9.3 Feedback

If you provide us with any feedback, suggestions, or ideas regarding the Service ("Feedback"), you grant us an unrestricted, irrevocable, perpetual, worldwide, royalty-free license to use, modify, and incorporate such Feedback into the Service without any obligation or compensation to you.

9.4 Third-Party Software

The Service may include or rely on third-party open-source software components. Such components are subject to their respective open-source licenses, which may be viewed within the application or upon request.

10. Termination

10.1 Termination by You

You may terminate your account at any time by using the account deletion feature within the Service or by contacting us at support@zerotilt.app. Upon termination, your right to use the Service will immediately cease.

10.2 Termination by Us

We reserve the right to suspend or terminate your account and access to the Service at any time, with or without cause and with or without notice, including but not limited to the following reasons:

• Violation of these Terms or Community Guidelines
• Conduct that we determine, in our sole discretion, is harmful to other users, us, or third parties
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Upon request by law enforcement or government authorities

10.3 Effect of Termination

Upon termination of your account:

• Your license to use the Service is immediately revoked
• We may delete your account data, including journal entries, urge logs, streak data, and other User Content, after a reasonable retention period
• Any active subscription will be canceled, but you will not receive a prorated refund for the remaining portion of your billing period unless required by applicable law
• Provisions of these Terms that by their nature should survive termination will remain in effect, including but not limited to Sections 5.3 (License Grant), 7 (AI Coach Disclaimer), 8 (Site Blocking Disclaimer), 9 (Intellectual Property), 11 (Limitation of Liability), and 12 (Governing Law)

10.4 Data Export

Before terminating your account, you may request an export of your personal data by contacting support@zerotilt.app. We will provide your data in a commonly used electronic format within a reasonable timeframe.

11. Limitation of Liability

11.1 Disclaimer of Warranties

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 IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

11.2 Trading Disclaimer

ZERO TILT IS A TRADING PSYCHOLOGY TOOL. IT DOES NOT PROVIDE FINANCIAL ADVICE, TRADING SIGNALS, OR INVESTMENT RECOMMENDATIONS. TRADING AND INVESTING IN FINANCIAL MARKETS INVOLVES SUBSTANTIAL RISK OF LOSS. WE ARE NOT RESPONSIBLE FOR ANY TRADING LOSSES OR FINANCIAL DECISIONS YOU MAKE WHILE USING OR AFTER USING THE SERVICE.

11.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PEDRO RUBIO / BLACKFYRE, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH:

• Your use of or inability to use the Service
• Any trading or investment decisions made based on or influenced by your use of the Service
• Any conduct or content of any third party on the Service, including other users' community posts
• Any content obtained from the Service, including AI-generated coaching content
• Unauthorized access, use, or alteration of your transmissions or content
• System modifications made by the site-blocking feature

11.4 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

11.5 Basis of the Bargain

You acknowledge that we have offered the Service and entered into these Terms in reliance upon the disclaimers and limitations of liability set forth herein, which reflect a reasonable and fair allocation of risk and form an essential basis of the bargain between us.

12. Governing Law

12.1 Applicable Law

These Terms and any dispute arising out of or in connection with them or the Service shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of laws principles.

12.2 Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue resolution through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted in English and shall take place in the State of Texas.

12.3 Class Action Waiver

YOU AND ZERO TILT AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. Unless both parties agree otherwise, the arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

12.4 Exceptions

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights or confidential information.

13. Changes to Terms

We reserve the right to modify, update, or revise these Terms at any time. When we make material changes, we will:

• Update the "Last Updated" date at the top of this page
• Notify you through the Service (such as an in-app notification or banner)
• For material changes that significantly affect your rights, send a notification to the email address associated with your account at least 30 days before the changes take effect

Your continued use of the Service after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Service and may terminate your account as described in Section 10.

14. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us at:

We will endeavor to respond to all inquiries within a reasonable timeframe.