Terms of Service

1. Agreement & acceptance

These Terms are between you (“you,” the “User”) and the entity operating Dojiq (“Dojiq,” the “Operator,” “we,” “us”; see section 23). You accept them by ticking the acceptance box, creating an account, connecting a Broker, or using the Service. If you accept for an entity, you represent you are authorised to bind it. Your acceptance is recorded with the version identifier of the legal documents then in force.

2. Definitions & order of documents

Capitalised terms have the meanings given in the EULA (including Software, Connected Account, Broker, API Credentials, Order, Strategy, Gauntlet, Paper Trading, and Live Trading). These Terms, the EULA, and the Privacy Policy form one agreement. If they conflict: the EULA controls the licence to the Software; the Privacy Policy controls personal-data processing; and these Terms control the overall service relationship.

3. The service we provide

Dojiq provides trading-automation software: it analyses market data, generates signals from Strategies you select or configure, applies the risk Gauntlet, offers Paper Trading, and — where you enable Live Trading — transmits the Orders you have configured to a Broker you choose, using API Credentials you supply. Features may include dashboards, insights, backtesting, a strategy builder, and administrative controls. Features are provided as they exist from time to time; we may add, change, or remove features.

4. Division of responsibility (please read)

The regulated activities of custody and execution are performed by the Brokers — for U.S. securities (stocks), Alpaca Securities LLC (SEC/FINRA/SIPC broker-dealer); for crypto-assets, Bitvavo B.V. (MiCA-authorised CASP, supervised by the AFM) with funds safeguarded by the bankruptcy-remote foundation Stichting Bitvavo Payments. Investor and deposit protections (such as SIPC, or the absence of deposit-guarantee cover for crypto) attach to your Broker account, never to Dojiq. The EULA section 4 sets this out in full, and the Brokers’ own agreements control. You are responsible for maintaining your Broker accounts and complying with their terms and eligibility rules.

5. Eligibility & registration

• You must be at least 18 and have legal capacity to contract.
• Access is invitation-only; we may grant, decline, or revoke it at our discretion.
• You must provide accurate registration details, verify your email where required, and keep your information current.
• You must be legally permitted to use the Service and to trade through your chosen Broker in your jurisdiction, and you must not be a sanctioned or restricted person. You are responsible for your own eligibility at each Broker (for example, Bitvavo does not serve U.S. persons; Alpaca has its own criteria).

6. Your account & security

You are responsible for all activity under your account and for keeping your credentials confidential. Use a strong, unique password, enable available security features, and notify us promptly of any suspected compromise. We may throttle, lock, or challenge sign-ins to protect against abuse. One account per person unless we agree otherwise; you may not share, sell, or transfer your account.

7. Connecting your brokerage / exchange accounts

To enable Live Trading you connect a Connected Account with API Credentials you generate at the Broker. You must, wherever supported, use trade-only keys with withdrawal and transfer permissions disabled. You are responsible for the keys you generate, the permissions you grant, and all resulting activity on your Connected Account, consistent with the Broker’s terms. We store API Credentials encrypted at rest and use them only to act on your instructions (see the Privacy Policy and EULA section 7). You may disconnect at any time.

8. Self-directed trading; no advice

Your use of the Service is self-directed. You make every investment decision and, by arming a Strategy, you authorise in advance each Order the Software generates under that configuration. Dojiq does not provide investment, financial, legal, tax, or accounting advice, and nothing in the Service is a recommendation, solicitation, or assurance of suitability or profit. Signals, scores, rankings, projections, backtests, and paper results are informational only and may be wrong. See EULA section 8.

9. Automated trading & the gauntlet

You acknowledge that the Service can place Orders automatically according to your configuration, including when you are not watching, and that this can produce losses. The Gauntlet is a fixed, platform-operated set of risk gates that you cannot disable; it reduces but does not eliminate risk and guarantees no outcome. Kill-switches, entry pauses, schedules, and stop/target logic are tools that can fail or be defeated by market conditions and must not be relied on as guarantees. Paper Trading is a simulation and is not indicative of live results. See EULA section 9.

10. Acknowledgement of risk

You represent that you understand and accept the risks of trading and automated trading, including the risk of partial or total loss, market and volatility risk, crypto-asset risk, leverage/margin risk, automated-system and data risk, and third-party risk. No Strategy or the Gauntlet can guarantee profit or prevent loss, and no performance is promised. The full risk disclosures at EULA section 10 are incorporated here. Do not trade with money you cannot afford to lose entirely.

11. Subscriptions, fees & billing

Some features are free (such as Paper Trading) and others are or may become paid. Where billing is enabled:

• Plans & pricing. The applicable fees, billing cycle, and any capital-based pricing (for example, a fee scaled to the live-trading capital ceiling you select) are shown to you before you subscribe. Paid features may include Live Trading and certain advanced tools; free features may be limited.
• Payment. Payments are handled by our third-party payment processor. You authorise recurring charges for the plan you select until you cancel. You are responsible for keeping a valid payment method on file.
• Taxes. Fees are exclusive of taxes (such as VAT), which you are responsible for where applicable.
• Changes. We may change fees and plans prospectively; we will give notice, and continued use after a change takes effect is acceptance. If you do not agree, cancel before the change takes effect.
• Renewal & cancellation. Subscriptions renew automatically for successive periods unless cancelled before the renewal date. You may cancel at any time, effective at the end of the current paid period.
• Refunds. Except where required by mandatory law (including any statutory withdrawal right you may have as an EU consumer), fees are non-refundable and there are no refunds or credits for partial periods. If you are an EU/EEA consumer, you may have a statutory right of withdrawal; where you ask us to begin providing a paid digital service immediately, you may be asked to acknowledge that this can affect that right, to the extent permitted by law.
• Non-payment. If a charge fails or you do not pay, we may suspend or downgrade paid features.

12. Acceptable use

You must comply with the acceptable-use restrictions in EULA section 11, including not reverse-engineering, not building a competing product, not circumventing security or the Gauntlet, not abusing Broker APIs or rate limits, and not using the Service for market manipulation, fraud, money laundering, sanctions evasion, or any unlawful purpose. We may investigate suspected violations and suspend or terminate access.

13. Intellectual property

The Service is licensed, not sold. We and our licensors own all rights in the Software, models, algorithms, the Gauntlet, and content; you retain ownership of your data and credentials and grant us the licence needed to operate the Service. Feedback you give may be used by us freely. See EULA section 13.

14. Third-party services

The Service relies on third parties (Brokers, market-data and news providers, payment processor, email provider, hosting). They are governed by their own terms, which you must review and comply with. We do not control and are not responsible for their availability, accuracy, security, or actions, and we do not endorse them. Your relationship with each Broker is directly between you and that Broker.

15. Availability & suspension

The Service is provided as an evolving service and may change or be interrupted. We do not guarantee any uptime, latency, or availability, including during market hours, and outages (ours or a third party’s) may affect open positions. We may suspend, restrict, or discontinue the Service or any feature, and we may operate maintenance mode, an entries pause, or a kill-switch, at our discretion and without liability, to protect the Service, users, or ourselves, or to comply with law or a Broker.

16. Disclaimer of warranties

The service is provided “as is” and “as available,” without warranty of any kind, express, implied, or statutory, including merchantability, fitness for a particular purpose, accuracy, title, and non-infringement. We do not warrant that the Service will be uninterrupted, secure, error-free, or that any data, signal, or result will be accurate or achieve any trading outcome. The full disclaimer at EULA section 16 applies. Mandatory consumer warranties that cannot be excluded are unaffected.

17. Limitation of liability

To the maximum extent permitted by law, we and the Dojiq Parties are not liable for trading, investment, or financial losses, or for any indirect, incidental, special, consequential, exemplary, or punitive damages, or lost profits or opportunity, arising out of or relating to the Service. Our total aggregate liability for all claims will not exceed the greater of the fees you paid us for the Service in the twelve (12) months before the event, or €100. Nothing excludes liability that cannot lawfully be excluded (including for fraud, or death or personal injury caused by negligence), and if you are a consumer, your mandatory statutory rights are unaffected. The full terms at EULA section 17 apply.

18. Indemnification

You will defend, indemnify, and hold harmless the Dojiq Parties from claims and losses arising out of your use of the Service, any activity on your Connected Accounts (including Orders placed at your direction), your API Credentials, your breach of these Terms, the EULA, any Broker’s terms, or applicable law, and your tax and regulatory obligations, as set out in full at EULA section 18. This is in addition to any indemnity you owe the Brokers for third-party/API access.

19. Term & termination

These Terms apply from your first use until terminated. You may terminate by ceasing use, disconnecting your Connected Accounts, and closing your account. We may suspend or terminate your access immediately for breach, legal or Broker requirements, to protect the Service or others, or if we discontinue the Service. Termination does not unwind Orders already transmitted or executed, does not affect your Broker accounts, and does not relieve you of amounts owed. Provisions that by their nature survive (including sections 4, 8, 10, 13, 16–18, and 21) survive termination.

20. Changes; force majeure

We may update these Terms; we will change the version and date and, for material changes, notify you through the Service or by email, with continued use after the effective date constituting acceptance. We may require you to re-accept the current version. We are not liable for any failure or delay caused by events beyond our reasonable control, as described at EULA section 20.

21. Governing law & disputes

These Terms are governed by the laws of the Netherlands, and the courts of Amsterdam have exclusive jurisdiction, unless a mandatory law of your country of residence provides otherwise. If you are a consumer, you keep the benefit of the mandatory provisions of your local law and may bring proceedings locally. Please contact us first to resolve any dispute informally. Where available, EU consumers may use the Online Dispute Resolution platform. See also EULA section 22.

22. General provisions

The entire-agreement, severability, no-waiver, assignment, no-third-party-beneficiary (except the Dojiq Parties), notices, and language provisions of EULA section 23 apply equally to these Terms. Nothing here creates any partnership, agency, fiduciary, or employment relationship between us.

23. Contact

The Dojiq service is operated by deToon, Kerklaan 30, 9751 NN Haren, the Netherlands (Chamber of Commerce (KvK) no. 71447210; VAT no. NL002349019B52), online at de-toon.com. Contact us at info.dojiq@gmail.com for any question about these Terms or about data.

info.dojiq@gmail.com is the only email address deToon operates in connection with Dojiq. Any communication that purports to come from Dojiq or deToon but originates from any other address is not from us and is not authorised by us; we accept no responsibility or liability for it, and you should not rely or act on it.

Appendix A — Regulatory framework, compliance & sources

This appendix records the legal and regulatory frameworks that apply to the Dojiq service and to the regulated third parties through which your assets are custodied and your trades are executed, together with links to the authoritative public documentation. It forms part of, and is incorporated by reference into, each of Dojiq’s Terms of Service, End User License Agreement, and Privacy Policy. Where a linked third-party document conflicts with any summary here, the third party’s own current document governs your relationship with that third party. Outgoing links are provided for transparency; we are not responsible for the content of external sites.

A.1 — Dojiq’s regulatory position & compliance

Dojiq is a provider of trading-automation software. It does not itself carry out any regulated financial activity, does not take custody of client money or assets, and accordingly does not hold, and is not required to hold, a licence as a broker-dealer, investment firm, crypto-asset service provider, e-money or payment institution, or bank (see the division of responsibility at Terms §4 and EULA §3–4). The regulated services of custody, execution, and any advice are provided to you by the Brokers under their own authorisations (A.2). In operating the software service, Dojiq is designed to comply with the laws applicable to it as a Netherlands/EU-based online service provider, including in particular:

• the EU General Data Protection Regulation (Regulation (EU) 2016/679, “GDPR”) and the Dutch GDPR Implementation Act (Uitvoeringswet AVG), as detailed in our Privacy Policy;
• EU consumer-protection law, including the Consumer Rights Directive (2011/83/EU) and the Unfair Terms in Consumer Contracts Directive (93/13/EEC), as transposed into the Dutch Civil Code (Burgerlijk Wetboek);
• the EU e-Commerce Directive (2000/31/EC) and applicable information-society-service and electronic-contracting rules; and
• applicable anti-money-laundering, sanctions, and market-abuse laws to the extent they apply to our activities.

Nothing in this appendix is a representation that Dojiq holds any financial-services licence or provides any regulated service.

A.2 — The Brokers: regulated status & public registers

Your money, securities, and crypto-assets are held and your trades executed by the following regulated entities, each under its own agreement with you (A.5). You can verify each entity in the public registers linked below.

A.3 — Investor & asset-protection frameworks (and their limits)

• SIPC (U.S. securities). Protects the custody of securities and cash held at a member broker (up to US$500,000, including US$250,000 cash) if the broker fails. It does not protect against market losses or trading losses, and does not cover cryptocurrency. See Alpaca’s SIPC explainer.
• MiCA safeguarding (EU crypto). Under MiCA, Bitvavo segregates client assets via the bankruptcy-remote Stichting Bitvavo Payments, held at least 1:1, with you retaining a direct claim. This is asset segregation, not a state guarantee.
• No deposit guarantee for crypto. Crypto-assets and associated e-money balances are not bank deposits and are not covered by the Dutch deposit-guarantee scheme (depositogarantiestelsel) or any equivalent, and are not FDIC-insured.
• None of these protections apply to Dojiq, which holds no client money or assets. They attach to your account at the relevant Broker.

A.4 — Applicable legal & regulatory frameworks

A.5 — Source documents (authoritative third-party terms)

Your relationship with each Broker and service provider is governed by that party’s own documents. Review them; they control over any summary in Dojiq’s documents.

Alpaca (U.S. securities & crypto): Disclosures index · Customer Agreement · Terms & Conditions · Privacy Policy · Crypto Customer Agreement · Crypto Risk Disclosures · Form CRS.

Bitvavo (EU crypto-assets): Terms · User Agreement · Risk Disclosure · Privacy Statement · Cookie Statement · Imprint · Developer Agreement.

Other providers: Stripe Privacy Policy (payments) · Google Privacy Policy (transactional email).

A.6 — Dojiq’s own documents

These three documents together form the whole agreement between you and Dojiq and cross-reference one another:

• Terms of Service — the master service agreement.
• End User License Agreement — the software licence, custody division, risk disclosures, warranties, liability, and indemnity.
• Privacy Policy — how we process personal data under the GDPR.

The current version identifier and last-updated date appear at the top of each document. When we make material changes we update the version, and we notify you through the Service or by email as described in each document’s “changes” section.