Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") form a binding agreement between you and CLOVERIA INC., a corporation incorporated in Canada ("Company," "we," "us," or "our"), governing your use of the NextPick web platform, mobile applications, APIs, and related services (collectively, the "Service"). By creating an account, accessing, or using the Service, you agree to be bound by these Terms.

2. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Service. By registering you represent that you meet this requirement and that the information you provide is accurate and complete.

3. Account

You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Notify us immediately of any unauthorized use. We may suspend or terminate accounts that violate these Terms.

4. Subscription & Billing

The Service is offered on tiered subscription plans (Demo, Basic, Premium). Demo accounts receive a 30-day Premium trial. Trial data is retained throughout your trial and for 30 days after it ends; if you do not upgrade to a paid plan within that window, the trial data is permanently deleted (your account record itself is preserved so you are still recognized on return). Paid plans (Basic and Premium) are billed monthly or every three months in advance through Stripe. The 3-month plan is offered at a 20% discount versus the monthly equivalent.

Subscriptions auto-renew until cancelled. You may cancel at any time through the Stripe billing portal accessible from your /account page. Cancellation takes effect at the end of the current billing period; no partial refunds are issued for unused time except as required by law.

5. Acceptable Use

You agree not to:

• Reverse engineer, scrape, or systematically extract data from the Service.
• Use the Service to violate any law or third-party right.
• Resell or sublicense the Service or its content without written permission.
• Interfere with or disrupt the Service's infrastructure.

6. Intellectual Property

All content, software, models, and data made available through the Service are owned by the Company or its licensors and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable license to access the Service for your personal, non-commercial use during your active subscription.

7. Disclaimers

The Service is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express or implied. The Service does not provide investment, tax, or legal advice. All trading content (including AI bot activity) shown on the Service is simulated paper trading and is for informational and educational purposes only. You are solely responsible for any decisions you make based on information from the Service.

8. Limitation of Liability

To the fullest extent permitted by law, the Company's total liability arising out of or related to the Service shall not exceed the greater of (a) US$100 or (b) the amount you paid to the Company in the twelve months preceding the event giving rise to the claim. The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or goodwill.

9. Indemnification

You agree to indemnify and hold the Company, its affiliates, and their respective officers, directors, employees, and agents harmless from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service or your breach of these Terms.

10. Termination

We may suspend or terminate your access at any time for breach of these Terms or for any other reason in our sole discretion. You may close your account at any time from the /account page. Upon termination, your right to use the Service ceases and we may delete associated data after a reasonable retention period.

11. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles.

12. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration seated in Toronto, Ontario, conducted in English under the ADR Institute of Canada (ADRIC) Arbitration Rules. You waive any right to participate in a class-action lawsuit. Nothing in this section prevents either party from seeking injunctive or equitable relief in a court of competent jurisdiction to protect intellectual-property rights.

13. Changes to Terms

We may update these Terms from time to time. Material changes will be notified by email or through the Service at least seven (7) days before they take effect. Continued use of the Service after the effective date constitutes acceptance.

14. Contact

Questions? Email legal@getnextpick.com.