Terms of Service

1. Acceptance of Terms

By accessing and using SchwabOptionsAce (the "Service"), you accept and agree to be bound by the terms and provision of this agreement. In addition, when using these particular services, you shall be subject to any posted guidelines or rules applicable to such services. Any participation in this service will constitute acceptance of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

SchwabOptionsAce provides users with tools for options trading analysis, journaling, automation, and real-time market data insights. We are a technology provider and analytics platform, not a registered broker-dealer or investment advisor.

3. Registration and Account Security

To use certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information.
• Maintain the security of your password and identification.
• Be fully responsible for all use of your account and for any actions that take place using your account.
• Notify us immediately of any unauthorized use of your account or any other breach of security.

4. Brokerage Linkage

The Service allows you to securely link your existing brokerage accounts (e.g., Charles Schwab, Tastytrade) via official API channels (OAuth2). By linking your account, you authorize us to retrieve read-only data (positions, balances) and, optionally, execute trades on your behalf if you utilize our automation tools. We are not responsible for the performance, connectivity issues, or API changes of third-party brokerages.

5. Subscription and Billing

Some parts of the Service are billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring and periodic basis (such as daily, weekly, monthly or annually), depending on the type of Subscription plan you select when purchasing the Subscription. At the end of each period, your Subscription will automatically renew under the exact same conditions unless you cancel it or SchwabOptionsAce cancels it.

6. Limitation of Liability

In no event shall SchwabOptionsAce, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

7. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or initiate an account deletion through your dashboard.