Public Offer for Access to TrendOrFlat

1. General provisions and operator details

1.1. This document is an offer from Olga Igorevna Ilina, a self-employed individual under the Russian "Professional Income Tax" (NPD) regime, Tax ID (INN) 501803615021, email [email protected], phone +7 910 423 29 21 (the "Operator"), to enter into a contract on the terms set out below.

1.2. The TrendOrFlat website and service are available at https://trendorflat.com (the "Service").

1.3. Before acceptance, the User must read this Offer, the Privacy Policy, and the Risk Disclosure. If the terms are unclear or unacceptable, the User should not place a paid order or use paid features.

1.4. The User confirms they are at least 18 years old and have the legal capacity required to enter into this contract.

2. Definitions

• User — an individual or legal entity that created an account or paid for access.
• Account — the User's account within the Service.
• Plan — a set of features, limits, access period, and price published on the /pricing page.
• Subscription — access to the Service's features during a paid or trial period.
• Offer revision — a text with a unique version and effective date.

3. Subject of the contract

3.1. The Operator grants the User limited, non-exclusive, non-transferable access to the TrendOrFlat informational/analytical software service in accordance with the selected Plan.

3.2. The Service classifies market conditions and provides data, history, quality scores, notifications, and integrations within the available functionality.

3.3. The Service is not a broker, trustee, investment adviser, or a guaranteed-income system. Analysis results are not individual investment advice.

3.4. The Operator does not know the User's trading strategy, risk settings, position size, or actual trades. Accordingly, the Service does not promise or provide a personal daily or weekly report of TrendOrFlat's effect on the User's strategy or P&L.

4. Registration and account

4.1. To use the Service's features, the User may register by email, through a supported OAuth provider, or via Telegram.

4.2. At registration, the User explicitly accepts the current revision of the Offer and confirms review of the Privacy Policy. Consent to personal-data processing is given as a separate action.

4.3. The User must provide accurate information, keep sign-in credentials confidential, and promptly report unauthorized access.

4.4. An account is intended for a single User unless a Plan expressly provides otherwise.

5. Acceptance and formation of the contract

5.1. Full and unconditional acceptance of the relevant Offer revision is any of the following explicit, logged actions:

• checking a mandatory checkbox and submitting the registration form;
• clicking "Accept and continue" during a repeated confirmation of terms;
• paying for a Plan, where the payment page explicitly states which Offer revision the User is accepting.

5.2. A routine sign-in to an existing account confirms review of the current documents but does not by itself substitute for separate acceptance of a new material Offer revision.

5.3. The Operator retains evidence of acceptance: User ID, document version and checksum, date, and method of acceptance. Technical security data may be retained to the minimum extent necessary under the Privacy Policy.

6. Trial period, pricing, and payment

6.1. Current Plans, currency, taxes, trial-period duration, and feature sets are stated on the /pricing page before payment. The Plus plan trial is 14 days and does not require a card; it is granted once per account unless the pricing page states otherwise.

6.2. Card payments are processed by the payment provider YooKassa. The Operator does not store full card details — they are entered on the payment provider's side.

6.3. There is no automatic subscription renewal. Payment for a monthly Plan period is a one-time charge; access to paid features is not automatically renewed at the end of a paid period unless the User initiates a new payment.

6.4. Cancellation: because there is no auto-renewal, "cancelling" a future period simply means the User does not make the next payment — access for an already-paid period continues until it ends. The User may also stop using the Service and request account deletion at any time by emailing [email protected].

6.5. Refunds: refund requests are sent to [email protected]. The Operator reviews such requests under the Russian Law "On Protection of Consumer Rights" and other applicable law, including the User's right to withdraw from the contract before paid services have actually begun, with a refund of the amount paid, and the right to a refund for the unused portion of a paid period on a justified cancellation, where required by law. The Plus trial is free and requires no card, so no refund applies to the trial itself.

6.6. Nothing in this Offer limits mandatory consumer rights that cannot be excluded by agreement of the parties under applicable law.

7. Provision of services

7.1. Access is granted after registration, acceptance of the required documents, and, for paid features, confirmation of payment.

7.2. The Operator may perform maintenance and change the feature set, provided this does not deprive the User of the core paid result without a remedy provided by law or contract.

7.3. Delays and interruptions are possible due to market-data providers, cloud infrastructure, messaging platforms, exchanges, and other independent systems.

7.4. No separate SLA with guaranteed numerical uptime targets is entered into; the general terms of clause 7.3 apply.

8. User obligations and restrictions

The User agrees to:

• comply with applicable law and third-party rights;
• independently assess financial risk;
• not share the account or access keys with third parties;
• not attempt to circumvent restrictions, disrupt operation, or gain unauthorized access;
• not resell the Service's data or features without written permission;
• independently verify integration compatibility and critical decisions.

9. Intellectual property

9.1. Rights to the software code, design, databases, models, text, trademarks, and other Service materials belong to the Operator or its licensors.

9.2. The contract does not transfer exclusive rights to the User. Only use of features within the Plan and documentation is permitted.

9.3. Data that the User lawfully uploads to the Service remains the User's data. The User grants the Operator the right to process it only to the extent necessary to provide the service, ensure security, and comply with law.

10. Risks and disclaimer of results

10.1. Financial markets carry a risk of total or partial loss of capital. Past results do not guarantee future results.

10.2. Regime classifications and quality scores are probabilistic. Errors, delays, changes in market structure, and data-source discrepancies are possible.

10.3. The User independently makes trading decisions and determines risk size. See the Risk Disclosure for details.

11. Personal data and communications

11.1. Personal-data processing is described in the Privacy Policy.

11.2. Separate User consent applies where consent is the appropriate legal basis (see Personal Data Processing Consent). Withdrawing consent does not affect the lawfulness of processing before withdrawal and does not stop processing that the Operator must or may continue on another lawful basis.

11.3. Service messages about the account, security, payments, and contract changes are not advertising. Marketing messages are sent only with separate consent, where required.

12. Liability

12.1. The parties are liable for breach of obligations in accordance with applicable law.

12.2. The Operator is not liable for trading losses, lost profit, or decisions made solely on the basis of Service information, except where such a limitation is prohibited by law.

12.3. The Operator's total liability to the User under the contract is limited to the amount actually paid by the User for the last paid period of using the Service, unless applicable law provides otherwise.

12.4. These limitations do not apply in cases of intent, gross negligence, violation of mandatory consumer rights, or other cases where exclusion of liability is prohibited.

13. Term, suspension, and termination

13.1. The contract is effective from acceptance until performance of obligations or termination under the Offer's terms.

13.2. The User may stop using the Service and request account deletion at [email protected]. Consequences for a paid period and refunds are governed by Section 6 and applicable law.

13.3. The Operator may suspend access in case of a security threat, fraud, non-payment, or material breach of terms, notifying the User where reasonable and lawful.

14. Changes to the Offer

14.1. The Operator may issue new revisions to reflect changes in law, the Service, pricing, infrastructure, or security requirements.

14.2. Each revision has a number, publication date, and effective date. Current and archived revisions are available at permanent links such as /legal/archive/offer/{version}.

14.3. The Operator notifies material changes in the account and, where a channel is available, by email or Telegram, at least 10 calendar days before they take effect, except where law or an urgent security need requires a different timeframe.

14.4. A material new revision requires separate confirmation. Until confirmed, the User retains access only to the extent necessary to review terms, manage the account, cancel, and exercise mandatory rights.

14.5. New prices and other commercial terms apply to new orders and subsequent periods, unless expressly agreed otherwise or permitted by law. An already-paid period is not changed retroactively.

14.6. Editorial clarifications that do not worsen the User's position and do not change the subject of the contract may apply from the publication date. A change history is available to the User.

14.7. If the User does not accept a material revision, they may decline the new period and stop using the Service after the current period ends, while retaining mandatory cancellation and refund rights.

15. Governing law and disputes

15.1. This contract is governed by the law of the Russian Federation.

15.2. Before going to court, the User may send a claim to [email protected]. The response period is 10 business days from receipt of the claim.

15.3. Disputes not resolved through the claims procedure are resolved in court under the procedural law of the Russian Federation, including the User-consumer's right to bring a claim at their place of residence or stay, or at the place of conclusion or performance of the contract, where provided by consumer-protection law.

15.4. The choice of law and court does not deprive a consumer of mandatory protections applicable at their place of residence, where provided by law.

16. Final provisions

16.1. Invalidity of a particular provision does not invalidate the rest of the contract.

16.2. The Russian-language version of this document is legally binding. The English translation is provided for User convenience and does not take priority over the Russian text in case of discrepancy.

16.3. Contacts: Operator — Olga Igorevna Ilina, status — self-employed, NPD taxpayer, Tax ID (INN) 501803615021; contract and support email — [email protected]; phone — +7 910 423 29 21. No VAT is charged due to the NPD tax regime.