Terms and Conditions

These Terms and Conditions (“Terms”) govern your use of the SteadyStake mobile application (the “Application”) and the SteadyStake website at steadystake.app (the “Website”), operated by Yi Hung Chien (“Service Provider”, “we”, “us”, or “our”).

By downloading, installing, or using the Application, or by accessing the Website, you agree to be bound by these Terms. If you do not agree, please do not use the Application or Website.

1. Not Financial Advice

Nothing in the Application or Website constitutes financial, investment, tax, legal, or any other professional advice. Specifically:

• Market prices, portfolio values, and other financial data displayed in the Application are for informational and personal tracking purposes only.
• Stock and ETF prices are updated once per day (end-of-day values). These prices may not reflect current market conditions and should not be used as the basis for any trading or investment decision.
• Foreign exchange rates are updated once per day and may not reflect real-time rates.
• Cryptocurrency prices are fetched on demand and may be subject to delays or temporary unavailability.
• The Service Provider does not recommend, endorse, or advise on any specific investment, asset, or financial strategy.

You are solely responsible for your own investment decisions. Always conduct your own research and consult a qualified financial adviser before making any investment.

2. Eligibility

You must be at least 18 years of age to use the Application. By using the Application, you represent that you are at least 18 years old and have the legal capacity to enter into these Terms.

3. Account Registration

3.1 Registered Accounts

You may create a registered account using your email address. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

3.2 Anonymous Accounts

You may use the Application without creating a registered account. Anonymous account data is stored locally and in our backend systems but is not linked to a verified identity. If you uninstall the Application, data associated with an anonymous account cannot be recovered. Anonymous accounts that remain inactive for an extended period may be deleted at our discretion.

3.3 Account Deletion

You may delete your account at any time directly within the Application. Upon deletion, all your data — including profile information, investment records, reminders, and purchase history — will be permanently and irreversibly removed from our systems.

4. Permitted Use

The Application is provided for your personal, non-commercial use to track your own investment activity and build consistent investing habits. You agree not to:

• Use the Application for any unlawful purpose
• Attempt to reverse engineer, decompile, or extract the source code of the Application
• Modify, copy, or create derivative works based on the Application or its content
• Use the Application in any way that could damage, overload, or impair our systems
• Attempt to gain unauthorised access to any part of our systems or infrastructure

5. Market Data and Third-Party Information

The Application sources market data from third-party providers including EODHD, MAX Exchange, and Kraken. The Service Provider:

• Does not control the accuracy, completeness, or availability of third-party data
• Cannot guarantee that market data will be free from errors, omissions, or delays
• Accepts no liability for any loss, direct or indirect, arising from reliance on market data displayed in the Application

6. Intellectual Property

All trademarks, logos, content, design elements, and software associated with the Application and Website are the property of the Service Provider or its licensors. You are granted a limited, non-exclusive, non-transferable licence to use the Application for personal purposes in accordance with these Terms. No other rights are granted.

7. Subscriptions and Payments

The Application may offer premium features through paid subscriptions. Any such subscriptions are:

• Managed through Apple App Store in-app purchase mechanisms
• Subject to Apple's payment terms and refund policies
• Non-refundable except as required by applicable law or Apple's policies

Subscription pricing and features may change at any time. We will provide reasonable notice of any changes to paid features.

8. Disclaimer of Warranties

The Application and Website are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Application will be uninterrupted, error-free, or free of viruses
• Warranties regarding the accuracy or completeness of any market data or financial information

9. Limitation of Liability

To the maximum extent permitted by applicable law, the Service Provider shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or investment returns
• Financial loss arising from reliance on market data or Application content
• Data loss arising from account deletion, app uninstallation, or system failure
• Damages arising from third-party service outages (Firebase, EODHD, Kraken, MAX Exchange, etc.)

10. Internet and Device Requirements

Some features of the Application require an active internet connection. The Service Provider is not responsible for the Application failing to function at full capacity due to lack of connectivity. You are responsible for any data charges incurred through your use of the Application, including roaming charges.

The Service Provider strongly advises against jailbreaking or rooting your device, as this may compromise the security of your data and cause the Application to malfunction.

11. Third-Party Services

The Application integrates with the following third-party services, each subject to its own terms:

12. Termination

The Service Provider reserves the right to suspend or terminate your access to the Application at any time, with or without notice, for conduct that violates these Terms or is otherwise harmful to other users, third parties, or the Service Provider.

You may terminate your use of the Application at any time by deleting your account within the Application and uninstalling it from your device.

13. Governing Law

These Terms are governed by the laws of Australia. Any disputes arising from these Terms or your use of the Application shall be subject to the jurisdiction of the courts of Australia.

14. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by updating the “Last updated” date at the top of this page. Continued use of the Application after changes take effect constitutes your acceptance of the updated Terms.

15. Contact Us

If you have any questions about these Terms, please contact us at:

• Email: team@steadystake.app
• App: SteadyStake
• Operated by: Yi Hung Chien