Terms of Service

1. Description of Service

SAN7 is a mobile application that provides:

• A client interface for connecting to your Alpaca Markets LLC brokerage account to view portfolio data, place orders, and monitor account activity.
• Market data, including real-time and historical price quotes, charts, and company information sourced from third-party providers.
• Portfolio analytics, performance tracking, and watchlist management.
• The Memory Core — a trading journal that records the reasoning behind your trades (reason tags, a free-form thesis, and a conviction level) and scores which reasonings tend to win or lose for you.
• Optional AI-powered reflections and follow-up questions ("Ask the Core") that analyze your own journal using a third-party AI provider you connect (see Section 7).
• Optional paid subscription tiers (SAN7 Plus and SAN7 Pro) that unlock additional features (see Section 8).

SAN7 is a software tool, not a financial services firm. We do not execute trades, hold custody of funds or securities, or provide investment advice.

2. SAN7 Is Not a Broker-Dealer or Investment Adviser

SAN7 is not registered as a broker-dealer, investment adviser, or financial services firm with the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or any other regulatory authority. SAN7 does not:

• Execute, clear, or settle securities transactions.
• Hold customer funds or securities.
• Make investment recommendations or provide investment advice.
• Solicit orders for any security.
• Assess the suitability of any investment for you.

All orders placed through SAN7 are executed by Alpaca Markets LLC, a registered broker-dealer and member of FINRA/SIPC. Your relationship with Alpaca is governed by Alpaca’s own customer agreement and terms.

3. Eligibility

You must be at least 18 years old to use SAN7. By using the App, you represent that:

• You are of legal age to form a binding contract.
• You are not located in a jurisdiction where use of the App is prohibited.
• You are not a person or entity subject to U.S. economic sanctions.
• Any brokerage account you connect is lawfully yours.

4. Account and Security

You are responsible for:

• Maintaining the confidentiality of your device PIN and biometric lock.
• All activity that occurs through the App on your device.
• Securing the credentials you connect, including your Alpaca API keys or sign-in tokens and your AI provider API keys or sign-in tokens. SAN7 stores these locally on your device using platform-level secure storage. We never transmit them to our servers.
• Immediately disconnecting your Alpaca or AI provider integration if you suspect unauthorized access.

5. Alpaca Relationship and Trading

SAN7 facilitates order placement through your Alpaca account. By connecting Alpaca to SAN7 (using API keys or one-tap sign-in / OAuth), you acknowledge that:

• SAN7 is merely an interface—orders are placed directly with Alpaca using your credentials.
• SAN7’s pre-market order assistance and auto-adjustment features are convenience tools; they do not guarantee execution or price improvement.
• You are solely responsible for all trading decisions and their consequences.
• SAN7 does not monitor your orders for errors, suitability, or compliance with applicable laws or regulations.
• Paper trading (simulated) and live trading carry different implications; you are responsible for selecting the correct Alpaca environment.

6. The Memory Core and AI Features

The Memory Core lets you journal the reasoning behind your trades and, optionally, generate AI reflections and ask follow-up questions about your own trading history. By using these features, you acknowledge that:

• Reflections and "Ask the Core" answers are a reflective, educational analysis of the data in your own journal. They are not investment advice, recommendations, or predictions, and must never be acted upon as such (see the Risk Disclosures).
• AI output can be inaccurate, incomplete, biased, or fabricated ("hallucinated"). You are responsible for independently verifying anything before relying on it.
• AI features require you to connect your own AI provider (Section 7). They are unavailable until you do so, and SAN7 does not guarantee their availability, accuracy, or output.
• SAN7’s on-device (local) reflection and the reason scoreboard are heuristic summaries of your journal and carry the same "not advice" limitations.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL AI AND ANALYTICS OUTPUT IS PROVIDED "AS IS," WITH NO WARRANTY OF ANY KIND, AND YOU USE IT ENTIRELY AT YOUR OWN RISK. SAN7 AND ITS DEVELOPERS ARE NOT RESPONSIBLE OR LIABLE FOR ANYTHING THE AI GENERATES OR STATES — INCLUDING ANY REFLECTION, ANSWER, INSIGHT, FIGURE, CLAIM, RECOMMENDATION (HOWEVER PHRASED), OMISSION, OR ERROR — OR FOR ANY DECISION YOU MAKE, ACTION YOU TAKE, OR LOSS YOU SUFFER IN RELIANCE ON IT, WHETHER OR NOT THE OUTPUT IS ACCURATE. The AI is operated by a third-party provider that SAN7 does not control, and SAN7 does not review, endorse, or verify its output. Nothing the AI says is, or should be treated as, financial, investment, tax, legal, or other professional advice.

7. AI Provider Connections

To use AI reflections and "Ask the Core," you connect your own account with a third-party AI provider — currently one of Anthropic (Claude), OpenAI (ChatGPT), DeepSeek, Google (Gemini), xAI (Grok), or Mistral — using a sign-in (OAuth) or an API key. By doing so, you acknowledge that:

• When you run a reflection or ask a question, SAN7 sends a compact summary of your trade journal (such as symbols, your reason tags and thesis, conviction, hold time, and returns) directly from your device to the AI provider you selected, in order to generate a response.
• Your use of the AI provider is governed by that provider’s own terms and privacy policy. You are responsible for reading and complying with them, including any restrictions on how their sign-in or API may be used.
• You choose how to connect. If you connect by signing in (OAuth), you represent that you are permitted to connect this way under the provider’s terms and accept all risk that the provider may not permit it. SAN7 does not represent or warrant that any particular connection method is endorsed, supported, or permitted by the provider; an API key is available as an alternative and is your responsibility to obtain and use in compliance with the provider’s terms.
• Your AI provider may change, limit, suspend, revoke, rate-limit, or terminate your access or account at any time, for any reason. SAN7 is not responsible or liable for any such action — including any suspension, ban, loss of access, or loss of credits, data, or money affecting your provider account — and does not guarantee that any connection method will remain available or keep working. You assume all such risk.
• Any usage costs are between you and your AI provider. Connecting via sign-in typically uses your existing plan with that provider; connecting via an API key bills your account with that provider. SAN7 does not charge for, mark up, or process these provider costs.
• SAN7 has no backend in this path — these requests go directly from your device to the provider — and your credentials are stored only in your device’s secure storage.

8. Subscriptions and Payments

SAN7 offers optional paid subscriptions, SAN7 Plus and SAN7 Pro, each available as annual, monthly, or one-time ("lifetime") purchases. By subscribing, you acknowledge that:

• Purchases are processed by the app store you downloaded SAN7 from (Apple App Store or Google Play) through their in-app purchase systems. SAN7 does not collect, process, or store your payment card or billing information.
• Auto-renewing subscriptions renew automatically at the then-current price unless you cancel at least 24 hours before the end of the current period. Manage or cancel a subscription in your App Store / Google Play account settings, not in SAN7.
• Where offered, a free trial is a one-time introductory offer granted by the app store once per subscription group; if you have already used it, you may not be offered it again. If you do not cancel before the trial ends, it converts to a paid subscription.
• Prices shown in the App are estimates; the actual price, taxes, and currency are determined by the app store at the time of purchase, and prices may change.
• Refunds, where available, are handled by the app store under its policies; SAN7 does not separately provide refunds.
• The free tier includes a limited number of AI reflections that recharge over time. Subscriptions unlock features such as unlimited reflections, the full Analytics suite, "Ask the Core," and "The Other You." Which features are gated may change over time.

9. Prohibited Uses

You agree not to:

• Use SAN7 for any unlawful purpose or in violation of any applicable law or regulation.
• Engage in market manipulation, insider trading, or any fraudulent activity.
• Reverse engineer, decompile, or attempt to extract the source code of the App.
• Use the App in a way that could damage, disable, or impair its functionality.
• Access data not intended for you or breach any security measures.
• Use automated means (bots, scrapers) to interact with the App or its data sources.

10. Intellectual Property

SAN7, including its code, design, logo, and user interface, is owned by its developers and protected by copyright and other intellectual property laws. Market data displayed in the App is the property of its respective providers and subject to their terms.

You may not copy, modify, distribute, or create derivative works of SAN7 without express permission.

11. Third-Party Services and Data

SAN7 relies on third-party services including:

• Alpaca Markets LLC — for brokerage services and market data.
• Yahoo Finance and Stooq — for market quotes and chart data (Stooq as a fallback).
• Your chosen AI provider (Anthropic, OpenAI, DeepSeek, Google, xAI, or Mistral) — to generate reflections and answers from your journal summary, only when you ask.
• Apple App Store / Google Play and RevenueCat — to process and validate subscription purchases and entitlements.

We are not responsible for the accuracy, completeness, timeliness, or availability of third-party services or data. Market data may be delayed, particularly during non-market hours. Your use of any third-party service through SAN7 is also subject to that provider’s respective terms.

12. Disclaimer of Warranties

SAN7 IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF DATA. WE DO NOT WARRANT THAT:

• The App will be uninterrupted, error-free, or secure.
• Market data is accurate, timely, or complete.
• Orders will be executed at displayed prices or at all.
• AI reflections, "Ask the Core" answers, or any analytics or insights are accurate, complete, or reliable.
• Any particular trading outcome will result from using the App.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SAN7 AND ITS DEVELOPERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Trading losses, lost profits, or loss of investment capital.
• Loss of data or business interruption.
• Damages resulting from errors, omissions, or inaccuracies in market data.
• Damages resulting from order execution failures, delays, or errors.
• Any AI- or analytics-generated output — including reflections, "Ask the Core" answers, insights, scores, or counterfactuals — its accuracy or inaccuracy, errors, omissions, or fabrications, and any decision, action, or loss arising from your reliance on it.
• Any act, omission, content, or output of a third-party AI provider, broker, data source, or payment processor.
• Any damages arising from your use of or inability to use the App.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF SAN7 AND ITS DEVELOPERS FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS WILL NOT EXCEED THE TOTAL AMOUNT, IF ANY, YOU ACTUALLY PAID FOR THE APP IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM. IF YOU HAVE NOT PAID ANYTHING, OUR AGGREGATE LIABILITY WILL NOT EXCEED ZERO.

In jurisdictions that do not allow these limitations or exclusions, our liability is limited to the maximum extent permitted by law.

14. Indemnification

You agree to indemnify and hold harmless SAN7 and its developers from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of the App.
• Your violation of these Terms.
• Your violation of any third-party rights or applicable laws.
• Your violation of any AI provider’s, broker’s, or other third party’s terms of service, including any connection or sign-in method you choose to use.
• Your trading activity and its consequences.

15. Termination

We may suspend or terminate your access to SAN7 at any time, with or without cause. You may stop using the App at any time by deleting it from your device. Provisions that by their nature should survive termination (including disclaimers, limitations of liability, and indemnification) will continue to apply.

16. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved exclusively in the courts of Delaware. For users outside the United States, local mandatory consumer protection laws may also apply and are not waived by these Terms.

17. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated through the App. Your continued use of SAN7 after changes take effect constitutes acceptance of the updated Terms.

18. App Store Terms

If you obtained SAN7 through the Apple App Store or Google Play, you also agree that:

• These Terms are between you and SAN7’s developer, not Apple Inc. or Google LLC. The app store provider is not responsible for the App or its content.
• The app store provider has no obligation to provide any maintenance or support for the App.
• To the maximum extent permitted by law, the app store provider has no warranty obligation with respect to the App, and any claims relating to the App are between you and SAN7’s developer.
• The app store provider and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated as "terrorist-supporting," and you are not on any U.S. Government list of prohibited or restricted parties.
• You will comply with all applicable third-party terms, including the app store’s terms, when using the App.

19. General

• Entire agreement: These Terms, together with the Privacy Policy and Risk Disclosures, are the entire agreement between you and us regarding the App and supersede any prior understandings.
• Severability: If any provision is found unenforceable, the remaining provisions remain in full force, and the unenforceable provision will be applied to the maximum extent permitted by law.
• No waiver: Our failure to enforce any provision is not a waiver of that or any other provision.
• Assignment: You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.

20. Contact

For questions about these Terms, contact us at san7app@gmail.com.