TERMS OF SERVICE

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and TGM Ventures, Inc., a Washington State corporation ("Company", "we", "us", or "our"), concerning your access to and use of the DrawdownAlerts website and services (collectively, the "Service").

BY ACCESSING OR USING THE SERVICE, YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE SERVICE.

YOU ACKNOWLEDGE THAT THESE TERMS CONSTITUTE A BINDING CONTRACT BETWEEN YOU AND THE COMPANY.

2. Nature of Service - Informational Tool Only

WHAT THIS SERVICE IS:

DrawdownAlerts is an INFORMATIONAL MONITORING TOOL that:

• Tracks stock prices and calculates drawdown metrics based on historical data;
• Sends automated alerts when user-defined thresholds are met;
• Displays charts, data, and historical analysis for informational purposes; and
• Provides educational content about investing concepts.

The Service is designed to help you monitor stocks YOU choose. It does NOT make investment decisions for you, does NOT recommend specific stocks, and does NOT manage your money.

3. Critical Legal Disclaimers

3.1 NOT FINANCIAL ADVICE

THE SERVICE PROVIDES INFORMATIONAL TOOLS AND DATA ONLY. NOTHING PROVIDED THROUGH THE SERVICE CONSTITUTES FINANCIAL, INVESTMENT, TRADING, TAX, LEGAL, OR OTHER PROFESSIONAL ADVICE. WE ARE NOT A REGISTERED INVESTMENT ADVISOR, BROKER-DEALER, OR FINANCIAL PLANNER.

ALL INFORMATION PROVIDED IS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. YOU SHOULD NOT CONSTRUE ANY INFORMATION OR MATERIAL AS LEGAL, TAX, INVESTMENT, FINANCIAL, OR OTHER ADVICE. YOU ARE SOLELY RESPONSIBLE FOR DETERMINING WHETHER ANY INVESTMENT, SECURITY, OR STRATEGY IS APPROPRIATE FOR YOU BASED ON YOUR INVESTMENT OBJECTIVES, FINANCIAL SITUATION, AND RISK TOLERANCE.

YOU SHOULD CONSULT WITH A LICENSED FINANCIAL ADVISOR, ATTORNEY, ACCOUNTANT, OR OTHER QUALIFIED PROFESSIONAL BEFORE MAKING ANY FINANCIAL DECISIONS.

3.2 INVESTMENT RISKS

INVESTING IN SECURITIES INVOLVES SUBSTANTIAL RISK OF LOSS. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. ANY HISTORICAL RETURNS, EXPECTED RETURNS, OR PROBABILITY PROJECTIONS MAY NOT REFLECT ACTUAL FUTURE PERFORMANCE.

THE VALUE OF INVESTMENTS MAY FLUCTUATE AND YOU MAY LOSE SOME OR ALL OF YOUR INVESTED CAPITAL. THERE IS NO GUARANTEE THAT ANY PARTICULAR ASSET ALLOCATION, STRATEGY, OR INVESTMENT WILL BE PROFITABLE OR SUITABLE FOR YOUR SPECIFIC SITUATION.

YOU ACKNOWLEDGE THAT YOU ARE MAKING INVESTMENT DECISIONS AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY LOSSES INCURRED.

3.3 NO GUARANTEES

WE MAKE NO WARRANTIES, REPRESENTATIONS, OR GUARANTEES REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY DATA, INFORMATION, CALCULATIONS, ALERTS, OR METRICS PROVIDED THROUGH THE SERVICE.

THE SERVICE MAY CONTAIN ERRORS, INACCURACIES, OR OMISSIONS. DATA MAY BE DELAYED, INCOMPLETE, OR INCORRECT. TECHNICAL ISSUES MAY CAUSE ALERTS TO FAIL OR BE DELIVERED LATE.

YOU USE THE SERVICE AT YOUR OWN RISK AND ACKNOWLEDGE THAT YOU SHOULD NOT RELY SOLELY ON THE SERVICE FOR ANY INVESTMENT DECISIONS.

4. Limitation of Liability

5. Service Description

DrawdownAlerts is a stock market monitoring tool that:

• Tracks stock price movements and calculates drawdown metrics
• Sends email alerts when stocks reach specified drawdown thresholds
• Displays historical price data and charts
• Provides portfolio monitoring capabilities

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time without notice or liability.

6. User Accounts and Registration

To use certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete registration information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use of your account
• Be responsible for all activities that occur under your account

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you meet this requirement.

We reserve the right to refuse service, terminate accounts, or remove or edit content at our sole discretion.

7. Subscription Plans and Payments

7.1 Pricing and Plans

The Service offers both free and paid subscription plans. Pricing, features, and limits are displayed on our website and may be changed at any time. Changes to pricing will not affect your current subscription period but will apply upon renewal.

7.2 Payment Processing

All payments are processed through Stripe, Inc., a third-party payment processor. By providing payment information, you represent and warrant that you are authorized to use the designated payment method. You agree to pay all charges incurred by you or anyone using your account at the prices in effect when such charges are incurred.

You authorize us to charge your payment method for all fees and charges as they become due. If your payment fails, we may suspend or terminate your access to paid features.

7.3 Billing Cycle

Subscription fees are billed in advance on a recurring monthly basis. Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You are responsible for all charges incurred until cancellation takes effect.

7.4 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of your current billing period. You will retain access to paid features until the end of the period you have paid for.

We reserve the right to cancel or suspend your subscription at any time for any reason, including violation of these Terms.

7.5 Refund Policy

7.6 Taxes

You are responsible for any applicable taxes, duties, or government assessments associated with your use of the Service. All fees are exclusive of such taxes unless otherwise stated.

8. Prohibited Uses

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws
• Violate or infringe upon the rights of others, including intellectual property rights
• Transmit any malicious code, viruses, or harmful materials
• Attempt to gain unauthorized access to any portion of the Service
• Interfere with or disrupt the Service or servers/networks connected to the Service
• Use any automated system (bots, scrapers, etc.) to access the Service without permission
• Reverse engineer, decompile, or disassemble any aspect of the Service
• Use the Service to provide services to third parties
• Remove any copyright, trademark, or other proprietary notices from the Service
• Impersonate any person or entity or misrepresent your affiliation
• Harass, threaten, or harm others
• Collect or store personal data about other users without permission

9. Intellectual Property Rights

The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, design, selection, and arrangement) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

These Terms grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial use. This license does not include any resale or commercial use of the Service or its contents; any derivative use of the Service or its contents; or any use of data mining, robots, or similar data gathering and extraction tools.

The Company name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You may not use such marks without our prior written permission.

10. Data Accuracy and Availability

While we strive to provide accurate and timely information, we cannot guarantee the accuracy, completeness, or timeliness of any data provided through the Service. Market data may be delayed, and calculations may contain errors.

We do not guarantee that the Service will be available at all times or that it will be free from errors, viruses, or other harmful components. The Service is provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind.

Alerts may be delayed, fail to send, or contain inaccurate information due to technical issues, data provider problems, or other factors beyond our control. You should not rely solely on alerts for time-sensitive decisions.

11. Third-Party Services and Links

The Service may contain links to third-party websites or services that are not owned or controlled by the Company. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

The Service integrates with third-party services including but not limited to:

• Stripe for payment processing
• Firebase for authentication and data storage
• Market data providers for stock information

Your use of these third-party services is subject to their respective terms and conditions and privacy policies. We are not liable for any issues arising from your use of third-party services.

12. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Service
• Your investment decisions or financial losses
• Your violation of any law or the rights of a third party
• Any content you submit or transmit through the Service

13. Disclaimers of Warranties

14. Dispute Resolution and Arbitration

14.1 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association (AAA).

The arbitration shall be conducted in King County, Washington, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

14.2 Class Action Waiver

14.3 Exceptions

Notwithstanding the above, either party may bring a claim in small claims court if the claim qualifies. Additionally, either party may seek equitable relief in court for infringement or misuse of intellectual property rights.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Washington, United States, without regard to its conflict of law provisions.

To the extent that any lawsuit or court proceeding is permitted under these Terms, you and the Company agree to submit to the exclusive jurisdiction of the state and federal courts located in King County, Washington.

16. Term and Termination

These Terms remain in effect while you use the Service. We may suspend or terminate your access to the Service at any time, for any reason, with or without notice, including if we believe you have violated these Terms.

Upon termination, your right to use the Service will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

You may terminate your account at any time by contacting us or through your account settings. Upon termination, you will not be entitled to any refunds of fees already paid.

17. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on the Service and updating the "Last Updated" date.

Your continued use of the Service after any changes indicates your acceptance of the new Terms. If you do not agree to the modified Terms, you must stop using the Service.

It is your responsibility to review these Terms periodically for changes. We may also notify you of changes via email if you have provided an email address.

18. Electronic Communications

By using the Service, you consent to receive electronic communications from us. These communications may include notices about your account, alerts, promotional messages, and other information concerning the Service.

You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

19. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its intent.

20. Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

21. Assignment

You may not assign or transfer these Terms or your rights hereunder, in whole or in part, without our prior written consent. We may assign these Terms at any time without notice or consent. Any attempted assignment in violation of this section shall be void.

22. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and the Company concerning the Service and supersede all prior or contemporaneous communications and proposals, whether oral or written.

23. Force Majeure

The Company shall not be liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

24. U.S. Residents Only

The Service is intended for users located in the United States. We make no representation that the Service is appropriate or available for use in other locations. If you access the Service from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

25. Contact Information

If you have any questions about these Terms, please contact us through our website.