Terms

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ay rely on third-party service providers to perform certain operational functions. These providers may include hosting services, analytics providers, and payment processors. Their participation is framed as necessary to support the delivery of the services, but the text indicates that they operate under safeguards and within the boundaries of FT’s privacy structure. This means user data may be processed not only by FT directly, but also by carefully selected processors that help run the infrastructure behind subscriptions, payments, security, analytics, anhe Terms section functions as the main contractual framework governing the relationship between the user and Financials Tools SAS. It begins by stating that anyone who accesses the website or uses any FT service is deemed to have accepted the Terms in full. This acceptance is broad and ongoing: if the company updates the Terms and posts a revised version with a new “Last Updated” date, continued use of the services after that point means the user accepts the revised version as well. In other words, the agreement is dynamic, and use of the platform is treated as consent to both the current and future versions of the contractual rules, subject to publication by FT.

The document then identifies the company and its legal contact structure. It presents FT as Financials Tools SAS, a Colombian legal entity, and provides placeholders for its NIT, chamber of commerce registration, principal office address, and judicial notice address. It also defines operational contact channels for support, billing, legal matters, privacy, and security. This is significant because it gives the Terms a formal corporate identity and separates communication paths according to the type of issue involved.

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The scope of services is broad and includes multiple product categories. The document lists MacroQuantiva, Replicator, Master Bot, MacroAcademy, Indicator Library, professional services such as custom tool and algorithm development, and optional APIs or broker/platform integrations. This section matters because it establishes that the Terms are not limited to a single website feature, but extend across a wider commercial ecosystem of software, automation tools, educational products, and related services. It also reserves the company’s right to add, modify, or discontinue features over time, which gives FT operational flexibility and reduces the risk that any particular feature is treated as permanently guaranteed.

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Eligibility rules define who may use the services. The document requires users to be at least 18 years old or the age of majority, to have authority if acting on behalf of an organization, and not to be prohibited from using the services due to applicable law, sanctions, or export-control restrictions. This is a standard but necessary legal filter that limits access to legally competent and permitted users only.

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The account and security clauses place responsibility on the user to provide accurate information, maintain it, and protect account credentials. Unless there is a separate written enterprise agreement, access is personal and seat-based, which means it is tied to the individual user and not designed for informal sharing. FT reserves the right to implement security measures such as session limits, device checks, and optional two-factor authentication, and may suspend suspicious activity. This creates a contract structure in which access is licensed, conditional, and subject to ongoing compliance with security rules.

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The subscription and billing provisions are detailed. FT may offer free trials, recurring subscriptions, and one-time purchases. Recurring plans renew automatically unless canceled before the renewal date, and cancellation stops future billing but does not necessarily terminate access immediately; rather, access usually remains in place until the end of the already-paid period, unless there has been suspension or termination for breach. A particularly important clarification concerns “Lifetime” plans: the document defines “lifetime” not as the lifetime of the customer, but as the lifetime of the product offering itself, meaning only so long as FT continues to make that product generally available. This is a critical contractual limitation because it prevents the term from being interpreted as a perpetual obligation regardless of the product’s commercial existence.

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The refund policy is intentionally restrictive. The text states that sales are generally final and non-refundable, including in cases of partial use, unused time, dissatisfaction, market outcomes, or user error. However, the Terms allow limited exceptions for billing mistakes, such as duplicate charges or the wrong plan being charged, and for verified material outages attributable to FT that prevent access to paid features for a sustained period. In such cases, FT may choose among several remedies, including a correction, extension, service credit, or pro-rated refund. The document also expressly preserves mandatory Colombian consumer rights, including legal mechanisms related to distance sales and electronic commerce, such as withdrawal rights or payment reversal where applicable by law. This means the refund clause is broad, but not absolute.

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The permitted use and prohibited conduct provisions are among the strongest operational protections in the document. Users are limited to lawful use and must not engage in conduct such as publicly demonstrating or streaming the services without prior written permission, sharing credentials, reselling access, scraping data, reverse engineering the platform, building competing products using FT outputs, bypassing controls, or using the services for fraud or unlawful activity. The language here is deliberately expansive and protective of both intellectual property and business model integrity. It is especially strict regarding public demos, webinars, recordings, and community calls, explicitly naming platforms such as Zoom, Google Meet, Microsoft Teams, YouTube, Twitch, and Discord as examples of prohibited disclosure channels absent prior authorization. FT reserves the right to suspend or terminate access immediately and without refund in response to these violations.

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The Terms also regulate APIs, integrations, and broker connections. If FT provides API access, tokens, or external integrations, that access is described as limited, revocable, and governed by documentation and plan restrictions. FT may impose rate limits, quotas, and usage controls, and may revoke access keys or block traffic for misuse or security concerns. Where broker or third-party platform connections are involved, the document makes a clear boundary: the relationship with the broker belongs to the user, not FT. FT is not a broker-dealer, exchange, or custodian, and it disclaims responsibility for third-party outages, connectivity failures, execution problems, restrictions, or fees. This section is especially important in reducing regulatory and liability exposure around financial platform integrations.

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The intellectual property section is also central. FT claims ownership over its services, software, indicators, algorithms, designs, dashboards, educational materials, and proprietary methodologies, whether directly or through licensors. The user only receives a limited, personal, non-transferable, revocable license to use the services within the bounds of the applicable subscription plan. The document specifically singles out ranking formulas, scoring systems, indicators, and automation logic as proprietary and potentially trade-secret material. Users are expressly forbidden from copying, disclosing, or attempting to recreate them. This creates both a contractual and trade-secret protection layer.

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Where user content is enabled, the Terms state that the user retains ownership of submitted content, but grants FT a worldwide, royalty-free license to host, process, and display that content as necessary to operate and improve the services. Feedback provided by users may also be used by FT without compensation. These are standard commercial provisions, but they matter because they define how customer inputs may be used without transferring overall ownership away from the user.

The document then addresses service availability, suspension, termination, indemnification, and limitation of liability. Services are provided “as is” and “as available,” and FT reserves the right to perform maintenance, updates, modifications, or discontinuations. FT may suspend or terminate access for breach, misuse, credential sharing, scraping, reverse engineering, fraud, or legal necessity. Users agree to indemnify FT for claims arising from misuse, legal violations, or breaches of the Terms. Liability is heavily limited: FT excludes indirect, incidental, special, consequential, and punitive damages, along with lost profits or data loss, and caps its total liability at the fees paid by the user in the previous twelve months, or the equivalent of the then-current annual fee for lifetime plans. The Terms also preserve any liabilities that cannot legally be excluded.

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Finally, the dispute resolution and governing law provisions anchor the agreement in Colombia. Before initiating formal proceedings, users are expected to go through a resolution sequence: contact support, escalate to legal, engage in good-faith efforts to resolve the issue, and, if unresolved, use any available dispute-resolution mechanisms under Colombian law before resorting to the competent courts. The Terms specify Colombian law as the governing law and refer to the competent courts of Palmira or FT’s principal domicile, unless mandatory consumer rules require otherwise. This provides a clear jurisdictional center for the agreement.

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