Terms of service

Below publishes one rules-based model portfolio, the same for every member (the 'signals'). It is impersonal, general information. It is not individualized investment advice, not a recommendation suited to you, and not portfolio management. Below is not a registered investment adviser or broker-dealer. Below never holds, receives or manages your investments.

You must be at least 18 and able to form a binding contract. You may not use Below where doing so is illegal, or if you are subject to US sanctions.

Signals: 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.

Below is paid from a prepaid balance in US dollars. You top it up by sending cryptocurrency to the personal deposit addresses shown in your dashboard. After a deposit is final on its blockchain we convert it to USD Coin (USDC) through a third-party exchange service and credit the amount of USDC that results, after network, conversion and transfer fees, rounded down to the cent, at $1 per USDC. Deposits below the minimum shown in the dashboard are credited once the total on that address reaches it.

Each US stock-market trading day on which your plan is active is charged at the daily rate shown on the website at that time (currently $0.25 for Signals and $0.40 for Auto). Weekends and market holidays are not charged. If your balance does not cover a day, access pauses until you top up. You can pause at any time; paused days are not charged. We will give at least 30 days' notice by email before raising a daily rate.

The balance is credit for Below services only. It has no cash value, earns no interest, cannot be transferred and is not paid out or refunded, except where the law requires it or we close your account without cause, in which case we refund the unused balance in a cryptocurrency of our choice to an address you give us.

You are responsible for sending a supported coin on the right network. Deposits of unsupported coins or on unsupported networks may be lost, and we cannot reverse blockchain transactions. Always copy the address from your dashboard.

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 deciding whether the strategy suits you. Investing involves risk, including the loss of a large part of what you invest; leverage multiplies losses. Please read the risk notice.

Backtests are hypothetical and were not achieved by real trading. 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 our servers. Below is provided 'as is' and 'as available', without warranties of any kind to the fullest extent the law allows.

To the fullest extent the law allows, Below is not liable for trading losses or for indirect, incidental, special or consequential damages, and our total liability for any claim is limited to the amounts you paid us in the 12 months before the claim. Some states do not allow these limits, so they may not fully apply to you.

Your account is personal. Republishing the signals, sharing your account, or running one licence on several devices is not allowed and can lead to suspension or termination.

You can stop using Below and ask us to delete your account at any time. We can suspend or close accounts that break these terms.

These terms are governed by the laws of the State of [State], without regard to conflict-of-law rules. [Dispute resolution / arbitration clause to be added after legal review.] Contact: [contact email].

We may change these terms with 30 days' notice by email. If you don't agree, you can stop using Below before the change takes effect.