Terms of Service & Disclaimer

1. Acceptance of Terms

By accessing and using HalfGrade Finance, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this platform.

2. Nature of Service

HalfGrade Finance is a paper trading simulation platform that:

• Provides simulated trading with virtual currency
• Uses real market data for educational purposes
• Does not execute real trades on any exchange
• Does not handle, store, or process real money
• Is not a licensed financial institution or broker

3. No Financial Advice

This platform does NOT provide financial, investment, or trading advice.

• All content is for educational and informational purposes only
• We are not financial advisors, brokers, or investment professionals
• You should consult with qualified professionals before making real investment decisions
• We do not recommend any specific investments or trading strategies

4. Virtual Currency

All currency on this platform is virtual:

• Virtual currency has NO real-world value
• Cannot be exchanged for real money
• Cannot be withdrawn or transferred
• Is provided solely for simulation purposes

5. Market Data

Market data provided on this platform:

• Is sourced from third-party providers (Alpha Vantage, CoinGecko)
• May be delayed or inaccurate
• Is provided "as is" without warranties
• Should not be relied upon for real trading decisions

6. User Responsibilities

By using this platform, you agree to:

• Use the platform for educational purposes only
• Not rely on this platform for real investment decisions
• Understand that simulated results do not reflect real trading
• Seek professional advice before making real investments
• Not hold us liable for any decisions you make

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We are not liable for any losses or damages
• We provide the platform "as is" without warranties
• We do not guarantee accuracy, reliability, or availability
• You use this platform at your own risk

8. No Real Trading

THIS PLATFORM DOES NOT:

• Execute real trades on any exchange
• Connect to real brokerage accounts
• Handle real money or securities
• Provide access to real markets
• Act as a broker or financial institution

9. Privacy

We collect minimal personal information (email, name) solely for account management. We do not sell or share your data with third parties. Your trading activity is private and simulated.

10. Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the platform constitutes acceptance of any changes.

11. Contact

For questions about these terms, please contact us through the platform.