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Terms of Service

Last updated: March 30, 2026
Important: FractureOS provides risk intelligence for informational purposes only. This is not financial advice, investment advice, or trading recommendations. All trading involves substantial risk of loss.

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and FractureOS ("Company," "we," "our," or "us") regarding your use of the FractureOS website, platform, and services (collectively, the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our Service.

2. Description of Service

FractureOS provides systemic risk intelligence and market analysis tools including:

  • DEI (Dynamic Environment Index) scores and analytics
  • Real-time risk regime classification
  • Historical market analogues and pattern recognition
  • API access for institutional integration
  • Automated alerts and weekly decision memos

Our Service is not: Investment advice, trading signals, or recommendations to buy or sell any financial instrument.

3. Eligibility and Account Registration

3.1 Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding agreements. Our Service is intended for qualified financial professionals, including but not limited to:

  • Licensed investment advisers and portfolio managers
  • Professional traders and risk managers
  • Family office professionals
  • Institutional investors

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized access.

4. Subscription Plans and Billing

4.1 Subscription Tiers

We offer multiple subscription tiers (Basic, Pro, Enterprise) with different features and pricing. Current pricing and features are displayed on our website and may be updated from time to time.

4.2 Payment Terms

  • Subscriptions are billed monthly in advance
  • All fees are non-refundable except as required by law
  • Price changes will be communicated 30 days in advance
  • Accounts may be suspended for non-payment after 7 days

4.3 Free Trials

Free trials may be offered at our discretion. Trial access will automatically convert to a paid subscription unless cancelled before the trial period ends.

5. Acceptable Use Policy

You agree not to:

  • Use the Service for any unlawful purpose or in violation of applicable laws
  • Attempt to reverse engineer, decompile, or discover source code
  • Share account credentials or resell access to unauthorized parties
  • Use automated systems to access the Service beyond API rate limits
  • Interfere with or disrupt the Service or its servers
  • Use the Service to develop competing products or services

6. Intellectual Property

6.1 Our Content

All content, software, algorithms, and materials provided through the Service are owned by FractureOS or our licensors and are protected by copyright, trademark, and other intellectual property laws.

6.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to use the Service solely for your internal business purposes in accordance with these Terms.

6.3 Feedback

Any feedback, suggestions, or improvements you provide may be used by us without compensation or attribution.

7. Risk Disclosures and Disclaimers

IMPORTANT RISK DISCLOSURE

No Investment Advice: Our Service provides analytical tools and market intelligence for informational purposes only. We do not provide investment advice, trading recommendations, or suggestions to buy or sell any financial instruments.

Trading Risk: All trading and investment activities involve substantial risk of loss. Past performance does not guarantee future results.

Professional Judgment: You are solely responsible for your investment decisions and should consult with qualified professionals before making any financial decisions.

7.1 No Warranties

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

7.2 Data Accuracy

While we strive for accuracy, we cannot guarantee that all data, scores, or analysis will be error-free, complete, or current. You should verify important information through independent sources.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE CLAIM
  • WE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
  • WE SHALL NOT BE LIABLE FOR ANY TRADING LOSSES, INVESTMENT LOSSES, OR BUSINESS INTERRUPTION

9. Indemnification

You agree to indemnify and hold harmless FractureOS from any claims, damages, or expenses arising from your use of the Service, violation of these Terms, or infringement of third-party rights.

10. Data and Privacy

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your information.

11. Termination

11.1 By You

You may cancel your subscription at any time. Cancellation will take effect at the end of your current billing period.

11.2 By Us

We may suspend or terminate your access for violation of these Terms, non-payment, or at our discretion with 30 days notice.

11.3 Effect of Termination

Upon termination, your access will cease and any data may be deleted after a reasonable retention period.

12. Governing Law and Disputes

These Terms are governed by the laws of [STATE/JURISDICTION]. Any disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

13. Changes to Terms

We may modify these Terms at any time. Material changes will be communicated via email or website notice at least 30 days in advance. Continued use constitutes acceptance of modified Terms.

14. Contact Information

FractureOS
Email: [email protected]
Website: fractureos.com
Subject Line: Terms of Service Inquiry