Terms of Service

“Chronvel” (also “we”, “us”, “our”) is a sole proprietorship established in Quebec, Canada. It is not incorporated.

These Terms of Service (the “Terms”) form a binding agreement between you and us. They govern chronvel.com, app.chronvel.com, and the Chronvel application and all features in it (together, the “Service”).

By creating an account, starting a trial, or using the Service, you accept these Terms. If you do not accept them, do not use the Service. Our Privacy Policy forms part of these Terms.

What the analytics actually are

The analytics cards, pattern insights, readiness scores, and suggested rules are generated from data you entered. They are observations about your own past behaviour and your own recorded results — a mirror, not a signal service. A suggested rule is a description of what has historically coincided with your outcomes. It is not a prediction, and it is not a recommendation to act.

We are not registered with any securities regulator

We are not an investment dealer, portfolio manager, investment fund manager, adviser, or registrant of any kind. We are not registered with, licensed by, or supervised by the Autorité des marchés financiers (AMF), any other member of the Canadian Securities Administrators, or any securities, commodities, or financial regulator in any other jurisdiction. We do not provide advice that requires registration, and you should not treat anything in the Service as though we did.

No guarantee of results

• We do not guarantee, promise, or represent that using Chronvel will make you profitable, reduce your losses, or improve your results in any way.
• Backtesting, equity projections, and Monte Carlo simulations run on data you enter. They are hypothetical. Simulated and past results do not indicate or predict future results.
• We do not verify the accuracy of anything you enter. If your inputs are wrong or incomplete, every output built on them will be too.
• Chronvel does not connect to your broker, does not place, modify, or cancel orders, and cannot execute anything on your behalf.

Trading risk is yours

Trading futures, options, foreign exchange, crypto assets, and other leveraged instruments carries a substantial risk of loss and is not suitable for everyone. You can lose more than your initial deposit. Every trading decision you make is yours alone, and you are solely responsible for it and for its outcome. If you need advice, consult a professional licensed in your jurisdiction.

To use the Service, you must confirm that:

• You are at least 18 years old and can enter into a binding contract.
• The information you give us when registering is accurate, and you keep it current.
• You are using the Service for yourself. Accounts are personal and not shared.
• You are not located in, ordinarily resident in, or acting on behalf of anyone in a country or region subject to comprehensive sanctions or trade embargoes applicable to us, and you are not a person listed on an applicable sanctions or restricted-party list.

We do not knowingly provide the Service to anyone under 18. If we learn that an account belongs to someone under 18, we will close it and delete the data.

You are responsible for keeping your login credentials confidential and for everything that happens under your account. Tell us at legal@chronvel.com promptly if you believe your account has been accessed without your permission.

Do not share your account, sell it, or transfer it to anyone else. We may refuse to open, or may close, an account used in breach of these Terms.

The 14-day trial

Every account starts with 14 days of full Performance access. No payment method is required to begin, and nothing is charged during the trial. When the trial ends you choose whether to subscribe. If you do not, you are not charged. The data you logged during the trial is kept either way, subject to the retention rules in our Privacy Policy.

Plans and billing cycles

Chronvel is offered on the Operator and Performance plans, billed monthly or annually. Current plans, features, and prices are on our pricing section. All prices are in US dollars and exclude any applicable taxes. We are not registered for GST or QST and do not charge Canadian sales tax. If we become required to register and collect tax, or if tax is payable in your own country, that amount is added to or payable on top of the listed price.

Automatic renewal

Subscriptions renew automatically. A monthly plan renews each month and an annual plan renews each year, on the anniversary of the date you subscribed, at the rate then applicable to your subscription, until you cancel. By subscribing, you authorise us and our payment processor to charge your payment method on each renewal date without further action from you.

Cancelling

You can cancel at any time from your account settings. Cancellation stops future charges. Your access continues until the end of the period you have already paid for, and then ends. Cancelling is not the same as deleting your data — see section 11.

Changing plans

You can switch between Operator and Performance from your settings. A switch takes effect on your next billing date. Note the effect a downgrade has on founding pricing, described in section 6.

Failed payments

If a payment fails, we or our payment processor may retry it over a limited retry window and contact you by email. If the payment is not resolved within that window, we may suspend your access until it is. Suspension for non-payment does not delete your data.

Price changes

We may change our list prices. If a change would affect what you pay, we will email you at least 30 days before it takes effect, and the new price will apply from your next renewal, not mid-period. You can cancel before then if you do not want to continue at the new price. Founding members are protected from list price increases as set out in the next section.

Payment processing

Payments are handled by a third-party payment processor. We do not receive or store your full card number. Stripe will act as our processor when billing goes live; it is not active yet, and no card details are being collected today. Our processor’s own terms apply to its handling of your payment data.

If you subscribe as a founding member, the founding rate for your plan applies for as long as your subscription remains continuously active. Your rate does not rise when our list prices rise. Precisely:

• A failed payment does not end your price lock, provided the payment is resolved within the retry window applicable to that payment. Your founding rate carries through.
• Voluntary cancellation ends your price lock permanently. If you cancel and later subscribe again — whether days or years later, and whether or not founding seats are still being offered — you subscribe at the price then in effect. The founding rate is not restored.
• Downgrading and then re-upgrading ends your price lock permanently. If you move from Performance to Operator and later return to Performance, the Performance subscription is priced at the rate then in effect. The same applies in the other direction.
• The price lock is tied to your account and is personal to you. It cannot be sold, transferred, or assigned.
• The price lock fixes your rate. It does not fix applicable taxes, and it is not a promise that the plan’s feature set will never change.

A change in billing cycle on the same plan — monthly to annual or annual to monthly — is not a downgrade and does not end your price lock; your founding rate for the new cycle applies.

14-day money-back on your first paid charge. If you subscribe and change your mind, email legal@chronvel.com within 14 days of that first charge and we will refund it in full. You do not need to give a reason. We refund to the original payment method. Your access ends when the refund is issued.

This applies to the first payment on your account only. Later charges — renewals, and payments after a plan change — are not covered by this guarantee, although we may still choose to refund in a particular case, and we will always refund where the law requires it.

When using Chronvel, you agree not to:

• Use the Service for anything unlawful, fraudulent, or deceptive.
• Share, resell, sublicense, rent, or provide access to your account to anyone else.
• Resell, redistribute, or publish our analytics output as a product or service of your own, or present it as a signal, advisory, or recommendation service to other people.
• Copy, decompile, reverse engineer, or attempt to derive the source code, models, or analytics methodology behind the Service, except to the extent that restriction is unenforceable by law.
• Scrape, crawl, or access the Service by automated means, or build a competing or substantially similar product using our output.
• Use output from the Service — including AI Coach responses — to train, fine-tune, or evaluate a machine learning model.
• Circumvent usage limits, security controls, or access restrictions, or create multiple accounts to obtain repeated trials.
• Upload malware, attempt to gain unauthorised access to our systems or another user’s data, probe our infrastructure, or interfere with the Service’s operation or availability.
• Upload content you have no right to upload, including someone else’s personal information, confidential information, or material that infringes another person’s rights.
• Harass, threaten, or abuse our staff or other users.

The AI Performance Coach (the “AI Coach”) is available on the Performance plan. It produces written responses generated by a third-party AI model.

What is sent to our AI provider

To generate a response, we send your new message and the last 20 messages of the conversation to Anthropic PBC, our AI provider, together with a limited block of your journal data: trade dates and times, R values and execution ratings; your daily journal entries; your ritual session data; and analytics card state.

We do not send your identity, your instruments or symbols, your entry, stop or exit prices, your position sizes, your profit and loss in currency terms, your broker or account names, or any screenshot or attachment. Two of the fields we do send — your non-negotiables note and your psychological focus note — are free text, so whatever you type into them is transmitted as written. Requests are made from our server; your browser never contacts Anthropic directly.

This happens only when you use the AI Coach. Our Privacy Policy sets out the full field list, explains how Anthropic handles it including its retention period, and confirms that your data is not used to train AI models.

Do not enter another person’s personal information, confidential information, or data you are not permitted to disclose into the AI Coach or into the free-text fields named above.

Availability of the feature

The AI Coach depends on a third party we do not control. We may change it, apply fair-use or rate limits, temporarily suspend it, or withdraw it — including where our provider changes its service, pricing, or terms. Doing so is not a breach of these Terms. If we permanently withdraw the AI Coach from a plan you are paying for, you may cancel, and we will refund the unused portion of any prepaid term.

What is ours

We own the Service: the software, source code, design, interface, text, graphics, the Chronvel name, logo, and marks, and the analytics and scoring methodology behind the product. While your subscription or trial is active, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Service for your own trading journal. That licence gives you no other rights, and all rights not expressly granted are reserved.

What is yours

You grant us only the narrow licence we need to operate the Service for you: to store, host, back up, encrypt, transmit, and display Your Content to you, and to process it to produce the features you use — including sending the context described in section 9 to our AI provider when you use the AI Coach. That licence exists so the product can function, lasts only as long as we hold Your Content, and covers nothing else.

We do not sell Your Content, publish it, share it for advertising, or use it to train AI models.

You are responsible for Your Content and confirm you have the right to upload it. If you send us feedback, feature requests, or suggestions, we may use them freely and without obligation to you.

Ending it yourself

You can cancel your subscription at any time in your settings. To delete your account and data, email privacy@chronvel.com. Export anything you want to keep before you ask us to delete it.

Our right to suspend or terminate

We may suspend or terminate your access to the Service, in whole or in part, with immediate effect if:

• you breach these Terms, in particular section 8;
• you use the Service unlawfully, or in a way that exposes us or other users to legal risk;
• a payment remains unresolved after the retry window;
• we reasonably believe there is fraud, a chargeback dispute, abuse of trials or refunds, or a security threat to the Service or to other users; or
• we are required to do so by law or by a competent authority.

Where it is practical and would not increase the risk, we will tell you first and give you a reasonable opportunity to put things right. If we terminate your subscription for reasons other than your breach, we will refund the unused portion of any prepaid term.

If we discontinue the Service

We may stop offering the Service. If we do, we will give you at least 30 days’ notice by email, provide a window to export your data, and refund the unused portion of any prepaid term.

What happens to your data

When your account is closed or you ask us to delete it, we delete your journal data on the schedule set out in our Privacy Policy: a 30-day grace period, then permanent deletion, with copies persisting in encrypted backups for up to 7 further days before they roll off. We keep billing and tax records for 7 years because the law requires it.

We work to keep Chronvel available and reliable, but we do not promise uninterrupted or error-free service. The Service can be unavailable because of maintenance, updates, or outages at the third parties we depend on for hosting, our database, email, or AI features. We do not offer a service level agreement or uptime guarantee.

We may add, change, or remove features as the product develops. Features marked beta or experimental may change or be withdrawn at any time and may not work reliably.

Disclaimers

To the fullest extent permitted by law, the Service is provided “as is” and “as available”, without warranty of any kind, whether express, implied, or statutory, including any implied warranty of merchantability, fitness for a particular purpose, quality, non-infringement, accuracy, or that the Service will be uninterrupted or error-free. In particular, we give no warranty that using Chronvel will be profitable or will improve your trading in any respect.

Some jurisdictions, including Quebec, do not allow the exclusion of certain warranties. Where that is the case, the exclusions above do not apply to you to the extent prohibited, and our liability is limited to the minimum the law permits.

Limitation of liability

To the fullest extent permitted by law:

• We are not liable for trading losses, lost profits, or lost trading opportunities — including where you relied on analytics, a suggested rule, a backtest, a simulation, or an AI Coach response.
• We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of goodwill, business, or data, however caused.
• Our total aggregate liability arising out of or relating to the Service or these Terms is limited to the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, and (b) USD $100.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law. This includes, under Quebec law, liability for gross or intentional fault, and liability for bodily or moral injury, and elsewhere includes fraud or fraudulent misrepresentation. If you are a consumer, these limits apply only to the extent your local consumer protection law allows.

Indemnity

You agree to indemnify us against reasonable losses, damages, and costs arising from a third-party claim caused by your unlawful use of the Service, your breach of these Terms, or Your Content infringing or violating a third party’s rights. This does not apply to the extent the claim results from our own fault, and it does not apply where the law does not permit it.

We may amend these Terms. The “last updated” date at the top of this page always shows the current version.

For any amendment that affects an essential element of your contract — including price, the duration of your subscription, the nature of the Service, or your obligations — we will send you a written notice by email to your account address at least 30 days before the amendment takes effect. That notice will set out the clause as it reads now, the clause as amended, the date the amendment takes effect, and your right to refuse.

You may refuse the amendment and terminate your subscription at no cost by telling us before the amendment takes effect. Nothing here limits the protections the Consumer Protection Act (Quebec) gives you in respect of amendments to a consumer contract.

Minor changes that do not affect your rights or obligations — correcting a typo, clarifying wording, or updating our contact details — take effect when posted.

These Terms and any dispute arising out of them or out of the Service are governed by the laws of the Province of Quebec and the federal laws of Canada applicable in Quebec, without regard to conflict-of-laws rules.

The courts of the judicial district of Montreal, Quebec, have exclusive jurisdiction, and you and we submit to their jurisdiction.

If you are a consumer resident outside Quebec, this section does not deprive you of the protection of the mandatory consumer law of your place of residence, or of any right you have to bring proceedings in the courts of that place.

Before starting formal proceedings, please email legal@chronvel.com so we can try to resolve the matter directly.

• Entire agreement. These Terms and the Privacy Policy are the whole agreement between you and us about the Service.
• Severability. If a provision is found unenforceable, the rest stays in force.
• No waiver. If we do not enforce a provision, we have not waived it.
• Assignment. You may not assign these Terms. We may assign them to a successor in connection with a reorganisation, incorporation of the business, or sale of assets, provided your rights are not reduced.
• Force majeure. Neither party is liable for failure to perform caused by events beyond its reasonable control.
• Survival. Sections 2, 10, 13, 15, and 16 survive termination.
• Notices. We give notice by email to your account address. You give notice to us by email at legal@chronvel.com.

Questions about these Terms, refunds, or your subscription:

• Legal and subscription matters: legal@chronvel.com
• Privacy, data export, and deletion: privacy@chronvel.com
• Operator: Chronvel, a sole proprietorship established in Quebec, Canada

We handle contact by email. Legal notices to us should be sent to legal@chronvel.com.