Terms of Service

§1 Scope and providers

These Terms apply to consumer contracts for TradingStreak digital services. The provider of the TradingStreak online account is Niklas Müller, Johann-Sebastian-Bach-Str. 23, 34134 Kassel, Germany (Operator).

The offline journal can be used without an online account and without payment. No paid contract is formed merely by using the offline journal.

A newly created online account also starts without a payment obligation. It is a free digital service during the free phase described in §3. A separate paid contract is formed only if the customer later activates the paid online plan through its checkout.

A paid creator journal subscription is supplied by the creator identified as the seller immediately before the order. The Operator supplies the marketplace, access controls, and technical payment workflow but does not become the seller of creator content merely by operating the platform.

A consumer is a natural person who enters into a legal transaction for purposes predominantly outside their trade, business, or profession (§ 13 BGB). The Terms version shown and stored for the specific order applies.

§2 Product information and formation of contract

Product pages are invitations to place an order, not binding offers. Before ordering, the customer can review and correct the information entered.

A free online account is created when a new customer uses one of the sign-in functions after the free-account notice and linked Terms have been made available. Creating or using that free account does not authorize billing.

For a newly created free online account, the applicable Terms version and account-creation statement are recorded and a contract confirmation is sent to the account email address on a durable medium without interrupting signup with a separate order modal.

After the first completed profitable calendar month has been processed as free, the customer may submit a separate binding order for the paid online plan by selecting the required acknowledgements and pressing the button labelled “Order with obligation to pay”. The Operator accepts that order by displaying and emailing the contract confirmation. Paid billing starts only with the first full calendar month after activation and is never applied retroactively.

For a creator subscription, the customer submits a binding order to the identified creator by pressing “Order with obligation to pay” after reviewing the seller, product, total monthly price, duration, termination conditions, withdrawal information, and the required acknowledgements. The order is conditional on successful payment through the subsequent Stripe payment page. Acceptance and activation are confirmed by email.

The complete applicable Terms, withdrawal information, price information, consent wording, seller information, and order details are stored with the order and supplied on a durable medium. The contract language is English. We do not currently provide a separate customer-facing archive of the contract text; the confirmation email should be retained.

§3 Online-account price and payment

The online account provides synchronization and online-only journal features. It starts as a free service. No payment obligation arises at signup, while the customer has not completed a profitable calendar month, or merely because profit data is entered.

The first completed profitable calendar month is free. Once that month has closed and been processed, continued paid-plan use requires a separate activation. If the customer does not activate the paid plan, no fee is charged. The paid billing period starts with the first full calendar month after activation; activity before that date is not billed retroactively.

For the separately activated paid plan, the variable monthly fee is 0.5% of monthly net profit after tracked and recognized trading costs. An approved partner discount can reduce the rate, and the applicable rate is shown in the checkout and on each invoice. Unprofitable months are not charged. Amounts below the Stripe platform-invoice minimum of USD 0.50 are waived; at a 0.5% rate this corresponds to net profit below USD 100, and at a 0.4% partner rate to net profit below USD 125. A newsletter waiver may apply where expressly offered.

Net profit is calculated from the journal and recognized-cost data saved for the billing period. The customer is responsible for entering complete and accurate data. Each billable month is invoiced in USD through Stripe with seven days for payment. No payment-method surcharge or shipping charge is added.

§4 Creator subscriptions and Stripe Connect

A creator subscription provides access to the full paid journal entries made available by the identified creator while the subscription is active. The order summary states whether previously published entries are included.

The subscription renews monthly at the displayed total price until cancelled. It can be cancelled at any time through the subscription settings or Stripe portal; ordinary cancellation takes effect at the end of the current paid period. Statutory withdrawal and defect rights remain unaffected.

Creator charges are made on the creator’s connected Stripe account. The creator is responsible for their content, seller information, taxes, invoices, and legal compliance. Stripe may require identity, business, tax, or payout information. The Operator may collect a disclosed platform fee from the creator; this does not increase the displayed consumer price.

Creators must not publish unlawful or misleading content or present results as guaranteed outcomes or regulated personalized investment advice without the necessary authorization. TradingStreak itself is not a broker, investment adviser, asset manager, payment institution, bank, tax adviser, or legal adviser.

§5 Performance, withdrawal, and ordinary cancellation

The free online-account phase begins when the account is created and carries no payment obligation. The paid online plan and creator subscriptions are separate continuing digital services. Performance under a paid contract begins early only after the customer separately requests performance before the end of the withdrawal period. The statutory withdrawal right does not expire merely because access begins.

If the customer withdraws after validly requesting early performance, reasonable compensation is owed only for the service actually supplied up to receipt of the withdrawal and only where the statutory requirements for compensation are met. Details appear in the Right of Withdrawal notice.

Stopping future paid billing is an ordinary cancellation and differs from statutory withdrawal. A customer can also withdraw through the continuously available “Withdraw from contract” function. Ending the free online account creates no payment obligation.

§6 Digital-product conformity and updates

The statutory rights for defective digital products remain fully applicable. The digital service must meet the agreed subjective and objective requirements and integration requirements (§§ 327d, 327e BGB).

The relevant provider supplies updates, including security updates, that are necessary to maintain conformity during the statutory supply period and informs the customer about them (§ 327f BGB).

If the digital service is defective, consumers may in particular demand restoration of conformity and, where the legal requirements are met, terminate the contract, reduce the price, or claim damages or reimbursement of expenses (§§ 327i, 327l, 327m BGB). Mandatory consumer rights cannot be restricted by these Terms.

Changes to a continuously supplied digital service beyond what is required to maintain conformity are made only where the contract permits the change for a valid reason, without additional cost, with clear information, and with any further rights required by § 327r BGB.

§7 Availability and liability

We aim to keep the service available but do not guarantee uninterrupted availability where interruptions arise from maintenance, security measures, internet or payment infrastructure, force majeure, or circumstances outside reasonable control. Statutory performance and defect rights remain unaffected.

The relevant provider is liable without limitation for intent and gross negligence, for injury to life, body, or health, under the Product Liability Act, and where a guarantee was given. For slightly negligent breach of an essential contractual duty, liability is limited to the foreseeable damage typical for the contract. Otherwise, liability for slight negligence is excluded to the extent permitted by law.

Market, journal, and creator content is provided for documentation, education, and general information. It is not a promise of performance or personalized investment advice. This clarification does not exclude liability that cannot lawfully be excluded.

§8 Consumer dispute resolution

The EU Online Dispute Resolution platform was discontinued on July 20, 2025; no ODR link is provided.

The Operator is neither willing nor obliged to participate in dispute-resolution proceedings before a consumer arbitration board (§ 36 VSBG). If a dispute with a consumer cannot be resolved, the information required by § 37 VSBG will be supplied in text form. A creator seller must provide their own applicable dispute-resolution information.

§9 Governing law and final provisions

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. For consumers, this choice does not deprive them of mandatory protection under the law that would apply without the choice.

A Kassel jurisdiction clause applies only to merchants, legal entities under public law, and special funds under public law where legally permissible. Mandatory consumer jurisdiction rules remain unaffected.