Terms of service

Below publishes one rules-based model portfolio for all members (the 'signals'). It is general information, not personal investment advice, not portfolio management and not a recommendation tailored to you. Below never holds, receives or manages your money or securities.

Signals: access to the current holdings, the history and alerts by email, Telegram, Discord or push.

Auto: everything in Signals plus the Below bot, software you install and run on your own device. You connect it to your own broker account with your own API key. The bot follows the model portfolio only on your instruction; you choose whether to run it, in paper or live mode, and with which leverage, and you can stop it at any time. Below never receives your broker credentials.

Prices are shown on the website before you order and include VAT where it applies. Memberships renew automatically every month or year until cancelled. If a payment fails, access continues for a grace period of 3 days.

You can cancel at any time from your dashboard. Access continues until the end of the period you paid for. We do not refund partial periods, except where the law requires it.

Consumers in the EU have a 14-day right of withdrawal. Because Below is a digital service that starts immediately, you agree at checkout that we begin before the withdrawal period ends. [Withdrawal details and model form to be completed after legal review.]

You decide what to do with the signals and whether to run the bot. You are responsible for your broker account, your orders, your taxes and for checking that the strategy suits you. Investing involves risk, including the loss of a large part of what you invest; leverage multiplies losses.

Backtests are hypothetical. Past results, real or simulated, do not guarantee future results. Signals can be late, wrong or unavailable, and the bot can fail (for example because of your device, your internet connection, your broker or ours).

We are liable without limit for intent and gross negligence and for injury to life, body or health. For slight negligence we are liable only for breach of essential contractual obligations, limited to the typical, foreseeable damage, and in any case to the fees you paid in the last 12 months. We are not liable for trading losses.

Your membership is personal. Sharing signals publicly or running one licence on several devices is not allowed and can lead to termination.

We may change these terms with 30 days' notice by email; if you don't agree you can cancel. German law applies, without prejudice to mandatory consumer protection rules of your country of residence.