Terms of Service

These Terms of Service ("Terms") are a legally binding agreement between you ("User," "you," or "your") and Premium Tracker LLC ("Premium Tracker," "we," "us," or "our") governing your access to and use of the Premium Tracker website, web application, browser-installed app experience, desktop wrapper, mobile app, APIs, alerts, exports, analytics, support channels, beta features, experimental tools, and related services (collectively, the "Service").

By accessing or using the Service, creating an account, renewing a subscription, or clicking to accept these Terms, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

1. Eligibility and Authority

• You must be at least 18 years old and legally capable of entering into a binding agreement.
• You must provide accurate, current, and complete information and keep it updated.
• You represent that your use of the Service complies with all applicable laws, rules, and regulations.
• If you use the Service on behalf of an entity, you represent that you have authority to bind that entity.
• We may refuse service, suspend access, or terminate accounts at our discretion, subject to applicable law.

2. What Premium Tracker Is and Is Not

Premium Tracker is a self-directed trade journaling, portfolio tracking, and analytics tool for options premium workflows, including cash-secured puts, covered calls, roll chains, watchlists, alerts, performance views, exports, and related features.

Premium Tracker is not a broker-dealer, investment adviser, commodity trading advisor, financial planner, tax preparer, accountant, law firm, or fiduciary. We do not execute trades, accept or custody customer funds or securities, provide investment advisory services, determine suitability, provide account-specific recommendations, or undertake any fiduciary or professional duty to you.

3. No Financial, Investment, Tax, Legal, or Accounting Advice

Nothing in the Service constitutes financial, investment, tax, legal, accounting, regulatory, compliance, or other professional advice. All content, tools, outputs, metrics, alerts, calculators, visualizations, examples, and analytics are provided for educational, informational, organizational, and recordkeeping purposes only.

3.1 No Recommendation or Solicitation

We do not recommend, endorse, or solicit any transaction in any security, option, asset, or strategy. Nothing in the Service should be interpreted as advice to buy, sell, hold, roll, assign, exercise, close, hedge, or otherwise transact in any security or derivative instrument.

3.2 No Suitability Determination; No Fiduciary Duty

We do not evaluate whether any strategy, position, or action is suitable, appropriate, or advisable for you. We do not know your objectives, financial condition, risk tolerance, tax circumstances, liquidity needs, or legal constraints, and we undertake no duty to monitor your account or warn you about any risk, expiration, assignment, margin exposure, concentration risk, or tax consequence.

3.3 No Tax, Accounting, or Legal Advice

Any summaries, exports, P&L calculations, premium totals, basis calculations, gain or loss figures, or similar outputs are provided solely as convenience features. They are not tax forms, not tax advice, not legal advice, and not accounting advice. You are solely responsible for verifying all records against your broker statements and consulting qualified professionals.

3.3A Tax Estimate Feature — Estimates Only

The Service includes a Tax Estimates feature that provides rough calculations of potential tax liability from option-selling activity. These figures are estimates only.They are not tax returns, not tax advice, not accounting advice, and must not be used as the basis for any tax filing, tax payment, or tax position. Specifically:

• Estimates are based solely on data you have entered into the Service and may be incomplete, inaccurate, or out of date.
• Tax treatment of options transactions — including assigned puts, called-away covered calls, rolled positions, wash sales, and short-term vs. long-term capital gains — is complex and fact-specific. The Service applies simplified rules that may not reflect your actual tax situation.
• The estimates do not account for wash sale rules, Alternative Minimum Tax (AMT), Net Investment Income Tax (NIIT), state and local taxes, foreign taxes, carry-forward losses, or any other tax-specific circumstance.
• Assigned put premiums reduce your cost basis in acquired stock rather than constituting current-year income; called-away covered call positions involve a stock sale whose character depends on your holding period — the Service may not capture these nuances correctly for your situation.
• You must consult a qualified CPA, enrolled agent, or tax professional to determine your actual tax obligations before filing any return or making any tax payment.

3.4 Consult Qualified Professionals

Before making any financial, investment, tax, legal, or accounting decision, you should consult a licensed financial advisor, registered investment adviser, broker-dealer, CPA, enrolled agent, tax professional, and/or attorney as appropriate to your circumstances.

4. Options Trading Risk Disclosure

Options trading involves substantial risk and is not suitable for all investors.

• You may lose the entire amount committed to a position and, in some cases, more than your initial outlay.
• Cash-secured puts may result in assignment at prices materially above the market price of the underlying security.
• Covered calls cap upside and do not protect against losses in the underlying security.
• Rolling positions does not eliminate risk and may increase exposure, cost basis, complexity, or duration of loss.
• Liquidity constraints, early assignment, volatility shifts, and dividend or earnings events may materially affect results.
• Historical results, examples, scenarios, and charts are not indicative of future performance.
• You should review the OCC booklet titled "Characteristics and Risks of Standardized Options" before trading options.

5. User Responsibility; No Reliance; Assumption of Risk

You are solely and exclusively responsible for all decisions, actions, omissions, trades, orders, allocations, tax positions, and financial consequences arising from your use of the Service.

• You agree not to rely on the Service as a substitute for professional advice or broker confirmations.
• You are responsible for verifying the accuracy of your own records against brokerage, tax, and custodial statements.
• You are solely responsible for monitoring expirations, assignments, dividends, earnings, and risk exposures.
• You are solely responsible for determining whether trading activity is lawful and appropriate in your jurisdiction.

5.1 Voluntary Assumption of Risk

YOU EXPRESSLY AND VOLUNTARILY ASSUME ALL RISKS ASSOCIATED WITH OPTIONS TRADING AND YOUR USE OF THE SERVICE, INCLUDING WITHOUT LIMITATION THE RISK OF TOTAL LOSS OF CAPITAL AND LOSSES EXCEEDING YOUR INITIAL OUTLAY. You represent that you have sufficient knowledge, experience, and financial resources to bear those risks independently, and that your use of the Service does not change, mitigate, or shift those risks to Premium Tracker in any way.

5.2 No Reliance Representation

You represent and warrant that you have not relied on any statement, output, data, calculation, alert, chart, example, feature, or information provided by or through the Service in making any investment, financial, tax, legal, or trading decision. Any such reliance is entirely at your own risk and does not create any obligation, warranty, or liability on the part of Premium Tracker.

6. Hypothetical, Illustrative, and Backtested Information

Any examples, scenarios, sample trades, calculators, hypothetical outcomes, model outputs, scenario projections, or simulated analytics are illustrative only. Hypothetical and backtested information has inherent limitations, is prepared with hindsight, and does not reflect actual trading conditions, liquidity, slippage, commissions, taxes, emotional discipline, or the effect of real market risk.

No representation is made that any user will achieve profits, avoid losses, or experience results similar to any information displayed in the Service.

7. Market Data, Alerts, and Third-Party Information

The Service may include information, market data, prices, corporate actions, earnings dates, analytics, indicators, or alerts sourced from third parties. Such data may be delayed, incomplete, inaccurate, unavailable, or corrected without notice.

• We do not guarantee the accuracy, completeness, timeliness, sequencing, or availability of any data.
• Alerts, emails, reminders, and notifications are best-efforts only and may be delayed, duplicated, or never delivered.
• You must not rely on alerts as your exclusive means of monitoring positions or obligations.
• Third-party data providers and service providers are intended beneficiaries of applicable disclaimers and liability limitations.

8. No Duty to Update, Correct, or Continue the Service

We may modify, suspend, discontinue, or remove any portion of the Service at any time, including any feature, plan, integration, export format, API behavior, data source, or platform surface. We are under no obligation to update, correct, backfill, or continue any content, feature, or output.

9. Account Security and Access

• You are responsible for maintaining the confidentiality of your credentials and all activity under your account.
• You must promptly notify us of any suspected unauthorized access or security incident.
• You may not share, sublicense, rent, sell, or transfer your account without our written consent.
• We may require reauthentication, suspend sessions, or revoke access to protect the Service or users.

10. User Data, Inputs, and Feedback

You retain your rights in your submitted data, subject to the rights necessary for us to host, process, store, back up, display, transmit, analyze, secure, and improve the Service. You represent that your submissions are lawful and that you have all rights necessary to submit them.

If you provide feedback, suggestions, feature requests, bug reports, or ideas, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use them without compensation or obligation.

11. Acceptable Use Restrictions

You agree not to:

• Use the Service for unlawful, fraudulent, deceptive, abusive, or harmful conduct.
• Reverse engineer, decompile, disassemble, copy, scrape, mirror, or extract the Service except as permitted by law.
• Use bots, automation, or unauthorized scripts to access, monitor, or interact with the Service.
• Interfere with security, rate limits, authentication, or technical safeguards.
• Use the Service to build a competing service or to republish, redistribute, or commercialize our content or data.
• Upload malicious code, attempt unauthorized access, or impair Service integrity or performance.

12. Beta, Experimental, and AI-Assisted Features

From time to time we may release beta, preview, experimental, or AI-assisted features. Such features may contain errors, omissions, hallucinations, instability, or breaking changes, may be withdrawn at any time, and are provided with no warranty and no commitment of continued availability.

BY USING ANY BETA, PREVIEW, EXPERIMENTAL, OR AI-ASSISTED FEATURE, YOU VOLUNTARILY ASSUME ALL RISK OF HARM OR LOSS RESULTING FROM THAT USE, AND OUR LIABILITY FOR SUCH FEATURES IS ZERO TO THE FULLEST EXTENT PERMITTED BY LAW.

13. Subscriptions, Billing, and Refunds

Paid features may require a subscription. By subscribing, you authorize recurring charges until you cancel. Unless required by law or expressly stated otherwise:

• Fees are billed in advance and are non-refundable.
• Subscriptions renew automatically unless canceled before the renewal date.
• You are responsible for all applicable taxes, duties, and governmental charges.
• We may change pricing, plan limits, or features upon notice.
• Store purchases through Apple or Google may be governed by additional app-store terms.

14. Intellectual Property

The Service, including software, design, code, branding, documentation, interfaces, workflows, and related materials, is owned by Premium Tracker LLC or its licensors and is protected by intellectual property laws. Except for the limited right to use the Service under these Terms, no rights are granted.

15. Third-Party Services and External Links

The Service may integrate with or link to third-party providers including authentication providers, payment processors, analytics vendors, market data vendors, brokerage connectivity providers, email providers, and app stores. We do not control and are not responsible for any third-party service, policy, act, omission, content, or outage. Your use of third-party services is governed by their terms and policies.

15A. Third-Party Brokerage Integrations

The Service may offer the ability to connect your brokerage account(s) through a third-party brokerage connectivity provider (currently SnapTrade). This feature allows you to import account data such as holdings, positions, balances, transactions, and order history into the Service for journaling, recordkeeping, and analytics purposes.

15A.1 How Brokerage Connections Work

When you choose to connect a brokerage account, you will be redirected to a secure connection portal operated by the third-party provider. Your brokerage login credentials are entered directly into the third-party provider's portal and are never transmitted to, accessed by, or stored by Premium Tracker. The third-party provider establishes and maintains the connection to your brokerage on our behalf and transmits account data to us.

15A.2 Read-Only Access

Brokerage connections through the Service are read-only. Premium Tracker does not place trades, submit orders, transfer funds, or take any action in your brokerage account. The integration is used solely to import account data for display and analysis within the Service.

15A.3 Accuracy of Imported Data

We do not guarantee the accuracy, completeness, timeliness, or reliability of data imported from your brokerage. Imported data may be delayed, incomplete, incorrect, or unavailable due to limitations of the brokerage, the connectivity provider, synchronization timing, or other factors. You are solely responsible for verifying all imported data against your official brokerage statements and records.

15A.4 Your Control Over Brokerage Connections

You may view your active brokerage connections and disconnect (delete) any connection at any time from within the Service. Disconnecting a brokerage connection will stop further data synchronization. You may also request deletion of previously imported brokerage data by contacting us.

15A.5 Third-Party Terms

Your use of the brokerage connectivity feature is also subject to the third-party provider's terms and privacy policy. For SnapTrade, see the SnapTrade Terms & Conditions and SnapTrade Privacy Policy. You acknowledge and agree that SnapTrade is an intended third-party beneficiary of the disclaimers and liability limitations in these Terms to the extent they relate to the brokerage connectivity feature.

15A.6 No Endorsement by Brokerages

The availability of a brokerage integration does not imply endorsement, sponsorship, or affiliation between Premium Tracker and any brokerage or financial institution. Brokerage integrations are provided through the third-party connectivity provider and are subject to change or discontinuation at any time.

16. Electronic Communications

By using the Service, you consent to receive electronic communications from us, including notices, disclosures, billing communications, account updates, legal notices, and other communications related to the Service. You agree that such electronic communications satisfy any legal requirement that such communications be in writing.

17. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS," "AS AVAILABLE," AND WITH ALL FAULTS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, PREMIUM TRACKER DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

• We do not warrant that the Service will be uninterrupted, secure, error-free, or free of malware or harmful components.
• We do not warrant that data, analytics, calculations, exports, charts, or alerts are accurate, complete, current, or suitable for your needs.
• We do not warrant any particular business, financial, tax, or investment result from using the Service.
• Any material downloaded or obtained through the Service is accessed at your own risk.
• Any reliance on the Service for investment, trading, tax, legal, or financial decisions is entirely at your own risk.
• No oral or written information or advice given by Premium Tracker or its personnel creates any warranty not expressly stated in these Terms.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PREMIUM TRACKER LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, DATA PROVIDERS, CONTRACTORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR MULTIPLIED DAMAGES, OR FOR ANY LOSS OF MONEY, PROPERTY, OPPORTUNITY, DATA, GOODWILL, TAX POSITION, OR BUSINESS VALUE ARISING OUT OF OR RELATING TO THE SERVICE.

• Trading losses, investment losses, lost profits, opportunity costs, tax liabilities, penalties, or interest.
• Loss of data, corruption of data, service interruption, loss of goodwill, or business interruption.
• Missed alerts, delayed notifications, inaccurate market data, incorrect analytics, or platform downtime.
• Unauthorized access to your account, except to the extent non-waivable law provides otherwise.
• Reliance on any content, output, chart, metric, export, example, or hypothetical scenario.

These limitations apply regardless of the theory of liability, whether in contract, tort, negligence, strict liability, statute, equity, restitution, or otherwise, even if any limited remedy fails of its essential purpose and even if we were advised of the possibility of such damages. If you are dissatisfied with the Service, your sole and exclusive remedy is to stop using it.

To the extent any liability cannot lawfully be excluded, our aggregate liability for all claims arising out of or relating to the Service will not exceed the greater of (a) the total amount you paid to us in the twelve months preceding the event giving rise to the claim or (b) one hundred U.S. dollars ($100). Multiple claims by the same user will not enlarge this cap; all claims by any user are subject to this single aggregate ceiling.

YOU FURTHER WAIVE, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY RIGHT TO SEEK INJUNCTIVE OR OTHER EQUITABLE RELIEF AGAINST PREMIUM TRACKER ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, INCLUDING WITHOUT LIMITATION SPECIFIC PERFORMANCE, RESTITUTION, DISGORGEMENT, OR ACCOUNTING, EXCEPT ONLY AS EXPRESSLY PROVIDED IN SECTION 24.5 (SMALL CLAIMS AND EQUITABLE RELIEF).

Nothing in these Terms excludes liability that cannot be excluded under applicable law, including, where applicable, liability for fraud or fraudulent misrepresentation or for death or personal injury caused by gross negligence where non-waivable.

19. Release

To the fullest extent permitted by law, you irrevocably release, waive, and discharge Premium Tracker LLC and its affiliates, officers, directors, employees, agents, licensors, data providers, and service providers from any and all known and unknown claims, demands, liabilities, damages, losses, rights, and causes of action arising out of or relating to your trading activity, investment decisions, tax treatment, use of third-party services, reliance on data or alerts, account activity, support interactions, or disputes between you and any broker, exchange, platform, advisor, tax preparer, or other third party.

You further agree, to the fullest extent permitted by law, not to sue or participate in any action against the released parties based on any matter released under these Terms, except to the limited extent required by non-waivable law to enforce a claim that cannot be lawfully waived.

If you are a California resident, you waive California Civil Code section 1542, which states:"A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party."

If you are a resident of any other state or jurisdiction with a law similar to California Civil Code section 1542, you expressly waive the benefit of that law and agree that this release extends to all released claims whether known or unknown, suspected or unsuspected, disclosed or undisclosed, at the time you accepted these Terms.

You expressly agree that this release is a complete bar to any released claim even if you later discover facts that would have materially affected your decision to enter this release.

20. Indemnification

You agree to defend, indemnify, and hold harmless Premium Tracker LLC and its affiliates, officers, directors, employees, agents, licensors, data providers, and service providers from and against any claims, demands, losses, liabilities, damages, judgments, settlements, costs, and attorneys' fees arising out of or relating to:

• Your use of the Service.
• Your trading, investment, tax, legal, or financial decisions.
• Your violation of these Terms or applicable law.
• Your submitted data, content, feedback, or conduct.
• Your misuse of market data, alerts, exports, APIs, or third-party services.

21. Termination

You may stop using the Service at any time. We may suspend, restrict, or terminate your access at any time, with or without notice, if we believe you violated these Terms, created legal, security, or operational risk, failed to pay fees, abused the Service, or if we discontinue the Service.

22. Governing Law

These Terms and any dispute arising out of or relating to the Service are governed by the Federal Arbitration Act and, to the extent not preempted by it, the laws of the United States and the state in which Premium Tracker LLC maintains its principal place of business, without regard to conflict-of-law principles.

23. Mandatory Informal Resolution

Before initiating arbitration or filing any claim, you and Premium Tracker agree to attempt to resolve the dispute informally for at least forty-five (45) days. To start this process, send a written notice to contact@premiumtracker.com with the subject line "Legal Notice - Terms Dispute" and include your name, account email, a summary of the dispute, and the relief requested.

The notice must be individualized, personally signed by the claimant or claimant's counsel, and include sufficient information for the other party to evaluate the claim. No arbitration demand may be filed until this informal process has concluded. A court or arbitrator may stay, dismiss, or require amendment of any claim filed without material compliance with this section.

24. Binding Arbitration; Jury Waiver; Class Action Waiver

24.1 Agreement to Arbitrate

Except for claims that qualify for small claims court, intellectual-property claims, or claims seeking temporary equitable relief to prevent unauthorized use of the Service, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved exclusively by final and binding arbitration on an individual basis.

24.2 Arbitration Forum

Arbitration will be administered by National Arbitration and Mediation (NAM) under its applicable rules, or, if NAM is unavailable, by another nationally recognized arbitration provider agreed by the parties or appointed by a court of competent jurisdiction. Arbitration may be conducted remotely unless the parties and the arbitrator agree otherwise.

The arbitration will be conducted before a single arbitrator in English. The arbitrator may award only individual relief that is necessary to resolve the individual claim and may not award relief for or against anyone who is not a party, except to the extent non-waivable law requires otherwise.

24.3 Jury Trial Waiver

YOU AND PREMIUM TRACKER WAIVE ANY RIGHT TO A TRIAL BY JURY OR TO LITIGATE DISPUTES IN COURT,except for the limited carve-outs expressly stated in these Terms.

24.4 Class, Collective, and Representative Action Waiver

ALL CLAIMS MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, REPRESENTATIVE, MASS, OR PRIVATE-ATTORNEY-GENERAL PROCEEDING.

The arbitrator may not consolidate more than one person's claims and may not preside over any class, collective, representative, or mass proceeding, except as required by non-waivable law.

24.5 Small Claims and Equitable Relief

Either party may bring an individual claim in small claims court if it qualifies and remains there. Either party may also seek injunctive or equitable relief in court for misuse of intellectual property, confidential information, account abuse, fraud, or unauthorized access.

24.6 Severability

If the arbitration section is found unenforceable in part, the unenforceable portion will be severed and the remainder enforced to the maximum extent permitted by law. If the class-action waiver is found unenforceable as to a particular claim, that claim will proceed in court and the remaining claims will remain subject to arbitration.

24.7 Thirty-Day Opt-Out

You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by emailing contact@premiumtracker.com from your account email with the subject line "Arbitration Opt-Out" and including your full name and a clear statement that you wish to opt out. Opting out of arbitration does not affect the remainder of these Terms.

25. Time Limit to Bring Claims

To the fullest extent permitted by law, any claim arising out of or relating to the Service or these Terms must be brought within one (1) year after the claim arose, regardless of any statute or law to the contrary, or it is permanently barred.

26. Changes to the Terms

We may modify these Terms from time to time. Material changes may be presented through the Service, by email, or by requiring renewed acceptance. Your continued use of the Service after the effective date of revised Terms constitutes acceptance of those Terms.

27. Miscellaneous

• Entire Agreement: These Terms and our Privacy Policy are the entire agreement between you and Premium Tracker regarding the Service and supersede all prior agreements, representations, and understandings.
• Severability: If any provision is unenforceable, it will be modified only to the minimum extent necessary to make it enforceable, and the remaining provisions remain in full effect.
• Waiver: Failure to enforce any provision is not a waiver of any right. No single or partial exercise of a right prevents further exercise of that or any other right.
• Assignment: You may not assign, delegate, or transfer these Terms or any rights hereunder without our prior written consent. We may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.
• No Agency: These Terms do not create a partnership, joint venture, agency, employment, franchise, or fiduciary relationship between you and Premium Tracker.
• No Third-Party Beneficiaries: These Terms do not confer any rights or remedies on any third party except that our affiliates, officers, directors, employees, agents, licensors, data providers, and service providers are intended beneficiaries of the disclaimers and liability limitations in these Terms.
• Force Majeure: We are not liable for delays or failures caused by events beyond our reasonable control, including market disruptions, exchange outages, or data-provider failures.
• Headings: Section headings are for convenience only and do not affect interpretation.
• Construction: These Terms will not be construed against us as the drafting party.
• Survival: The following sections survive termination of these Terms or your account for any reason: Sections 3, 4, 5, 6, 7, 10, 14, 15A, 17, 18, 19, 20, 22, 23, 24, 25, and 27.

28. Contact

Questions or legal notices regarding these Terms may be sent to contact@premiumtracker.com.