General Terms and Conditions

This is a translation of the Czech version. In case of any discrepancy, the Czech version prevails.

Effective from Nov 1, 2026

1. Introductory Provisions

1.1. These General Terms and Conditions (the “Terms”) govern the rights and obligations between the provider and the user in connection with ordering and using the TradeStreet application and related content.

1.2. The provider is FinBits s.r.o., with its registered office at Jičínská 226/17, Žižkov, 130 00 Praha 3, Company ID (IČO): 19630981, VAT ID (DIČ): CZ19630981, registered in the Commercial Register maintained by the Municipal Court in Prague (Městský soud v Praze), Section C, Insert 388729. Contact e-mail: podpora@tradestreet.cz.

1.3. A user is any natural or legal person who creates an account in the application or orders a subscription. A user who, when concluding the contract, is not acting within the scope of their business activity is a consumer. Provisions that apply only to consumers are expressly marked as such.

1.4. The TradeStreet application is available at app.tradestreet.cz, and information about it is available on the websites tradestreet.ai and tradestreet.cz (the “website”).

1.5. The contractual relationship is governed by the laws of the Czech Republic, in particular Act No. 89/2012 Coll., the Civil Code (the “Civil Code”), and, in the case of consumers, also Act No. 634/1992 Coll., on Consumer Protection.

2. Subject of the Service

2.1. The subject of the contract is the provision of non-exclusive, non-transferable and time-limited access to the TradeStreet application for the duration of the subscription. The application displays and processes market data, in particular unusual options activity, dark pool trades and price levels derived from them, analysts’ price targets and success rates, trades by insiders and politicians, portfolios of funds and investors (gurus), and companies’ fundamental metrics. The subscription includes access to the TradeStreet Academy.

2.2. The current scope of features is described on the website. The provider continuously develops the application and may change, add to or replace its features. However, it may not thereby substantially reduce the quality of the service the user has subscribed to. Should this happen, the user has the right to terminate the subscription with immediate effect and to receive a refund of the proportionate part of the price paid for the unused period.

2.3. Using the application requires an internet connection and a current version of a standard web browser (Chrome, Safari, Firefox or Edge). No other software is required.

3. Registration and User Account

3.1. Registration is required to access the application. The user is obliged to provide true and complete information and to update it whenever it changes.

3.2. The account is personal. The user may not share their login credentials with other persons or allow multiple persons to log in under a single account. The user is obliged to protect their login credentials and to inform the provider without undue delay if they discover that the credentials have been misused.

3.3. The service may only be used by persons over 18 years of age.

4. Conclusion of the Contract

4.1. The presentation of the application and prices on the website constitutes an offer to conclude a contract. The contract is concluded at the moment the user confirms the order in the order form by clicking a button that clearly indicates the obligation to pay (e.g. “Order with obligation to pay”). The provider will confirm the conclusion of the contract without undue delay by e-mail, which will include these Terms.

4.2. Before submitting the order, the user may review and correct the information entered. The order form always states the selected plan, the price including VAT, the automatic renewal period and the payment method.

4.3. The contract is concluded in the Czech language. The provider archives the contract in electronic form and will make it available to the user upon request.

4.4. The costs of means of distance communication (internet connection) are borne by the user and do not differ from the basic rate.

5. Free Trial Period

5.1. After registering, a new user may use the application free of charge for 7 days with full access to all features. The trial period is provided once per person.

5.2. No payment card is entered for the trial period, and the user pays nothing during or after it. The trial period is free of charge and does not create any obligation to order a subscription.

5.3. Once the trial period expires, access to the application is restricted. The subscription does not start automatically; the user may order it at any time in accordance with Article 4. The provider may notify the user of the end of the trial period by e-mail.

5.4. The user may also order a subscription during the trial period. The paid period then begins on the date of the order.

6. Price, Payment and Automatic Renewal

6.1. The current prices of the monthly and annual subscriptions are stated on the website and always also in the order form before it is submitted. The price stated at the time of the order applies to the contract. All prices are final and include VAT. The provider is a VAT payer and will issue a tax document for each payment, which it will send to the user by e-mail or make available in the user’s account.

6.2. Payments are made cashlessly by payment card via the secure Stripe payment gateway, or by another method offered in the order form. Payment card details are processed exclusively by the payment gateway operator; the provider has no access to them.

6.3. The subscription is paid in advance for the entire subscription period and renews automatically for a further period of the same length until the user cancels it. By placing the order, the user agrees that the provider, via the payment gateway, will charge the subscription price to the stored payment card at the beginning of each period. For annual subscriptions, the provider will notify the user of the upcoming renewal by e-mail at least 7 days in advance.

6.4. If a payment cannot be charged, the provider will ask the user to update their payment details. If payment is not made within 7 days of this request, the provider may suspend access to the application until payment is made.

6.5. Price changes. The provider may change the subscription price. It will notify the user of the change by e-mail at least 30 days in advance, and the new price will only apply from the first renewal of the subscription after this period has expired. If the user does not agree with the new price, they may cancel the subscription free of charge before the new price takes effect.

6.6. Discounts and promotional offers are valid only for the period and under the conditions stated for them.

7. Cancellation of the Subscription

7.1. The user may cancel the subscription at any time, either in the app under account settings in the Subscription section, or by e-mail to podpora@tradestreet.cz sent from the address under which the account is registered. The provider will confirm the cancellation by e-mail.

7.2. To prevent the subscription from renewing, it must be cancelled no later than the day before the start of the next subscription period. After cancellation, access to the application remains available until the end of the period already paid for, after which the subscription ends. No further payment will be charged.

7.3. Cancelling the subscription with effect for the future does not give rise to a right to a refund of the price for a period that has already begun. This is without prejudice to the rights under Article 8 (consumer withdrawal) and Article 10 (defects of the service).

7.4. The provider may terminate the contract by giving 30 days’ notice by e-mail. In such a case, it will refund to the user the proportionate part of the price paid for the period after the end of the notice period.

7.5. Previously purchased one-time licenses (e.g. the “Forever” license) are governed by the terms and conditions that were in effect at the time of their purchase.

8. Withdrawal from the Contract by a Consumer

8.1. A consumer has the right to withdraw from the contract without giving any reason within 14 days of the date the contract was concluded (Section 1829 of the Civil Code). For a subscription, the period runs from the date the paid subscription was ordered.

8.2. To meet the withdrawal deadline, it is sufficient to send the notice of withdrawal before the period expires. The withdrawal may be sent by e-mail to podpora@tradestreet.cz or by post to the address of the registered office. The consumer may use the model form at the end of these Terms, but is not obliged to do so.

8.3. By placing the order, the consumer expressly requests that the provision of the service begin immediately, i.e. during the withdrawal period. If the consumer withdraws from the contract after the paid period has begun, they shall pay the provider a proportionate part of the price for the period during which the service was provided to them (Section 1834 of the Civil Code).

8.4. The provider will refund to the consumer the funds received (less the amount under paragraph 8.3) within 14 days of the withdrawal, using the same means of payment by which they were received, unless agreed otherwise.

8.5. 14-day money-back guarantee. In addition to the statutory right, the provider offers every user (both consumers and business users) a guarantee: if the user requests it by e-mail to podpora@tradestreet.cz within 14 days of their first order of a paid subscription, the provider will refund the full amount paid, without deducting the proportionate part under paragraph 8.3, and will terminate the subscription. The refund will be made within 14 days of the request, using the same means by which the payment was received. The guarantee does not apply to subscription renewals or repeat orders.

9. Rules of Use and Intellectual Property

9.1. The application, its design, texts, Academy videos, data processing, success rate calculations and other content are protected by copyright and other rights of the provider or its data suppliers. The user is only authorized to use them for their own needs for the duration of the subscription.

9.2. In particular, the user may not:

• share their account or login credentials with other persons,
• bulk download data from the application, extract it by automated means (scraping, bots), or resell or otherwise distribute it,
• publicly publish or commercially exploit Academy content and outputs of the application beyond a short quotation with attribution of the source,
• interfere with the technical operation of the application or circumvent its security.

9.3. In the event of a material breach of these rules, the provider may suspend the user’s access or, after prior notice, withdraw from the contract with immediate effect. In such a case, the user is not entitled to a refund of the price for the current period. This is without prejudice to the provider’s right to compensation for damage.

10. Service Availability, Defects and Complaints

10.1. The provider strives to ensure continuous availability of the application. It aims to schedule short-term outages for maintenance and updates outside the trading hours of US stock exchanges and, where possible, to announce them in advance.

10.2. Data in the application comes from public sources (e.g. filings by insiders and funds with the US regulator, the SEC, and disclosures by members of Congress) and from contracted market data providers. The provider processes it with professional care but cannot guarantee its completeness, accuracy or real-time currency. By their nature, some data are published with a delay set by regulations (e.g. up to 45 days for politicians, or quarterly for funds).

10.3. Rights arising from defective performance are governed by the Civil Code, for consumers in particular by the provisions on digital content and digital services (Sections 2389a et seq.). If the service is not provided properly, the consumer has the right to have the defect remedied and, if this is not possible or is not achieved within a reasonable time, to a reasonable price reduction or to withdraw from the contract.

10.4. Defects may be claimed by e-mail to podpora@tradestreet.cz. The provider will confirm receipt of the complaint and will handle it without undue delay, no later than 30 days from the date it was lodged, unless a longer period is agreed with the user. The provider will issue a written confirmation of how the complaint was resolved.

10.5. If the application was continuously unavailable for more than 24 hours for reasons attributable to the provider, the provider will, upon request, extend the user’s subscription by a corresponding period. This is without prejudice to the consumer’s statutory rights arising from defective performance.

11. Risk Warning and Exclusion of Investment Advice

11.1. TradeStreet is an analytical and educational tool. The provider does not provide investment services or investment advice within the meaning of Act No. 256/2004 Coll., on Capital Market Undertakings, is not an investment firm (securities dealer), investment adviser or broker, and does not accept deposits.

11.2. No information in the application, on the website or in the Academy constitutes an investment recommendation, an offer, or a solicitation to buy or sell financial instruments. The display of a particular stock, option, insider, politician, analyst or fund does not constitute a recommendation to trade.

11.3. Trading stocks, and options in particular, is highly risky and may result in the loss of the entire amount invested. The user alone decides on each trade and alone bears its consequences. The user should not invest funds they cannot afford to lose.

11.4. Backtested and historical results. The success rates and returns of insiders, analysts, politicians and funds shown in the application are based on backtesting on historical data. Backtested results are hypothetical: they do not represent returns actually achieved by any investor, do not include fees, taxes, spreads or the impact of liquidity, and assume that the trade could have been executed at the stated price. Neither past nor backtested performance is a guarantee of future results.

11.5. The provider is not liable for losses or lost profits incurred by the user in connection with their investment decisions. This is without prejudice to the provider’s liability for damage caused intentionally or through gross negligence, or any other liability that cannot be excluded by law.

12. Personal Data Protection

12.1. The provider processes users’ personal data as the controller in accordance with Regulation (EU) 2016/679 (GDPR) and Act No. 110/2019 Coll., on the Processing of Personal Data. Details are set out in the Privacy Policy and the Cookie Policy.

12.2. The provider may send customers information about its similar services by e-mail (Section 7(3) of Act No. 480/2004 Coll.). Each such e-mail contains an unsubscribe link, and the subscription may be cancelled at any time free of charge.

12.3. The provider may only publish a user’s review, quotation or name with the user’s prior consent.

13. Complaints and Out-of-Court Dispute Resolution

13.1. Complaints and suggestions are handled by the provider at podpora@tradestreet.cz.

13.2. The body competent for the out-of-court resolution of consumer disputes arising from the contract is the Czech Trade Inspection Authority (ČOI), Central Inspectorate – ADR Department, Gorazdova 1969/24, 120 00 Praha 2, adr.coi.cz. A consumer residing in another EU Member State may also contact an out-of-court dispute resolution body in their own country, e.g. through the European Consumer Centres Network (ECC-Net).

13.3. Supervision of the provider’s compliance with its obligations is exercised by the Czech Trade Inspection Authority (www.coi.cz) and, in the area of personal data protection, by the Office for Personal Data Protection (ÚOOÚ) (uoou.gov.cz).

14. Final Provisions

14.1. The provider may amend these Terms for important reasons (e.g. changes in legislation, the scope of the service or the technical solution). It will notify the user of the amendment by e-mail at least 30 days before it takes effect. If the user does not agree with the amendment, they may terminate the subscription free of charge before the amendment takes effect. The amendment does not affect a period already paid for.

14.2. If the user is a business, disputes shall be resolved by the court having jurisdiction according to the provider’s registered office. This does not deprive consumers of the rights granted to them by the mandatory provisions of the laws of the country of their residence.

14.3. If any provision of these Terms is invalid or ineffective, the remaining provisions shall remain in force.

14.4. Communication between the provider and the user takes place electronically, in particular by e-mail.

Annex: Model Withdrawal Form

Complete and return this form only if you wish to withdraw from the contract.