Terms of Service

1. Who we are

XcalpAI ("we", "us") is operated by [COMPANY LEGAL NAME], registered in [JURISDICTION] under number [COMPANY NUMBER], with its registered office at [REGISTERED ADDRESS]. Contact: support@xcalpai.com.

2. What the service is

XcalpAI runs an automated foreign-exchange trading strategy on a master trading account. When you subscribe and connect your own MetaTrader account, trades from the master account are copied to your account through the MetaApi CopyFactory service, scaled by the multiplier and limited by the risk settings you choose. You keep your account at your own broker; we never hold your money.

The service is a software tool. It is not investment advice, portfolio management or a recommendation to trade, and [ADD ANY REGULATORY STATUS OR DISCLAIMER REQUIRED IN YOUR JURISDICTIONS].

3. Eligibility

• You must be at least 18 years old and legally able to trade leveraged products where you live.
• The service is not offered in [RESTRICTED COUNTRIES]. You must not use it where doing so is unlawful.
• You must read and accept the Risk Disclosure before trading.

4. Your account and security

• You must give accurate information and verify your email address.
• Keep your password secret. We strongly recommend turning on two-factor authentication in your profile.
• You are responsible for activity under your account and at your broker.

5. Plans and payment

Subscriptions (Starter, Growth, Pro, Elite) are billed in advance, monthly or annually, by our reseller and merchant of record, Paddle.com, which handles payment, taxes and invoices. Prices are shown before checkout. Subscriptions renew automatically until cancelled.

6. Performance fees

Some plans include a performance fee (currently Starter 25%, Growth 15%, Pro 10%, Elite 0% [CONFIRM]). It is calculated monthly, for each connected trading account, as follows:

• Only new profit above the account's high-water mark is charged. The high-water mark is the highest month-end equity on which a fee has already been assessed.
• Deposits raise the high-water mark and withdrawals lower it, so moving money in or out never creates a fee.
• If an account ends a month below its high-water mark, no fee is due until that loss has been recovered.
• Each statement is reviewed before it is charged; you can see the full calculation on your Billing page.
• Fees below [MINIMUM, e.g. $1.00] are not charged. Fees are charged through Paddle to your subscription's payment method.

7. Risk controls and our right to intervene

You can pause copying, set a daily drawdown limit and choose which pairs are copied. When a limit is reached, copying stops and copied positions may be closed automatically. We may pause the strategy, close master positions or suspend copying at any time, for example during abnormal market conditions, technical failures, missed payments or suspected misuse.

8. No guarantee of results

Past or simulated performance does not indicate future results. Trading can lose money quickly, and you can lose all the funds in your trading account. Copied results can differ from the master account's results because of slippage, broker pricing, account size, your settings and timing.

9. Availability

We aim for continuous operation but do not guarantee it. The service depends on third parties (your broker, MetaApi, Paddle, hosting and data providers) whose failures can delay or prevent copying or closing positions.

10. Liability

[LIABILITY LIMITATION AND EXCLUSIONS – TO BE DRAFTED BY COUNSEL FOR YOUR JURISDICTION, INCLUDING CONSUMER-LAW CARVE-OUTS.]

11. Ending the service

You can cancel your subscription at any time from Billing or through Paddle, and you can delete your account from your Profile page ("Delete my account"), which stops copying, disconnects your broker link and deletes your personal data as described in the Privacy Policy. We may end or suspend accounts that breach these terms.

12. Changes and law

We will give reasonable notice of material changes to these terms. These terms are governed by the laws of [GOVERNING LAW], and disputes are subject to the courts of [VENUE]. [ADD CONSUMER DISPUTE RESOLUTION WORDING IF REQUIRED.]