Terms of Service

The service

Ballast is a behavioral-finance companion that gives information, education, and behavioral coaching. It is not financial, investment, tax, or legal advice, and it never executes a trade or moves money. See our Disclaimer.

Your account

You must be at least 18 to use Ballast. Give accurate information, keep your sign-in secure, and understand that you are responsible for the activity on your account.

Acceptable use

Use Ballast for your own personal, non-commercial use. Do not misuse it, try to break or overload it, scrape it, or use it to give other people financial advice.

Free and Pro

Ballast has a Free tier and a paid Pro subscription. Pro is billed on a recurring basis through our payment provider, and the current price is shown at checkout. You can cancel anytime and keep Pro until the end of the period you have paid for. Except where the law requires otherwise, payments are non-refundable.

Information, not execution

Ballast is read-only. It will never place an order, transfer funds, or act in the market for you. Any action you take is your own decision.

No warranty

Ballast is provided “as is” and “as available”. Market data may be delayed, incomplete, or wrong, and we do not warrant that the service will be uninterrupted or error-free.

Limitation of liability

To the fullest extent permitted by law, Scira is not liable for any indirect, incidental, or consequential losses, or for the investment decisions you make. Nothing in these terms limits liability that cannot be limited by law.

Changes

We may change the service or these terms. If we make material changes we will update the date above, and continued use means you accept the updated terms.

Governing law

These terms are governed by the laws of [jurisdiction to confirm], without regard to its conflict-of-law rules.

Contact

Reach us at support@scira.ai.