Terms of Service

1. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Services. By using the Services, you represent and warrant that you meet these requirements.

2. Description of the Services

Volarb is a software and analytics platform focused on options, volatility, and market-related research, calculations, data visualization, and educational tools.

The Services may include, among other things:

• market dashboards;
• ticker-level analytics;
• volatility, skew, term structure, and earnings analysis tools;
• options strategy calculators and position-building tools;
• Monte Carlo simulations and related scenario analysis;
• trade-tracking and monitoring tools;
• educational content, product updates, waitlist communications, and newsletters.

Certain features may change over time, may be modified, discontinued, or made available only on certain plans.

3. No Investment Advice; Educational and Informational Use Only

The Services are provided for informational, analytical, and educational purposes only.

Volarb is not a broker-dealer, investment adviser, commodity trading advisor, or fiduciary. Nothing in the Services constitutes:

• investment advice;
• legal advice;
• tax advice;
• accounting advice;
• a recommendation to buy, sell, or hold any security, option, or strategy;
• personalized financial advice; or
• an offer, solicitation, or endorsement of any transaction or investment strategy.

You remain solely responsible for evaluating any information provided through the Services and for all trading, investment, tax, and financial decisions you make.

4. Risk Disclosure

Trading securities, options, and other financial instruments involves substantial risk, including the risk of losing some or all capital. Options strategies in particular can involve complex risks, leverage, assignment risk, liquidity risk, model risk, and large or rapid losses.

Past performance, model performance, backtests, simulated outcomes, historical analytics, win rates, expected value estimates, or other metrics shown through the Services do not guarantee future results.

You acknowledge and agree that:

• markets are unpredictable;
• models and analytics may be incomplete, delayed, or wrong;
• hypothetical or simulated performance has significant limitations;
• you are solely responsible for your own risk management and decision-making.

5. Accounts

To access certain features, you may be required to create an account. You agree to provide accurate, current, and complete information and to keep it updated.

You are responsible for:

• maintaining the confidentiality of your login credentials;
• all activities that occur under your account; and
• promptly notifying us of any unauthorized use or suspected security breach.

We may suspend or terminate accounts that are inaccurate, insecure, abusive, fraudulent, or in violation of these Terms.

6. Authentication and Access Control

Some parts of the Services are publicly accessible, while other areas require authentication and, in some cases, an active subscription. VOLARB uses account authentication and protected routes to limit access to certain app functionality.

You may not:

• share your login credentials with others;
• allow multiple users to access the Services through a single account unless expressly authorized by us;
• attempt to bypass authentication, subscription gates, or access restrictions;
• access non-public areas of the Services without authorization.

7. Subscriptions, Billing, and Renewals

Some Services are offered on a subscription basis. By purchasing a subscription, you agree to pay all fees and applicable taxes disclosed at the time of purchase.

Unless otherwise stated:

• subscriptions may renew automatically at the end of each billing cycle;
• you authorize the applicable payment or billing provider to charge your payment method for renewals unless canceled;
• pricing, plan features, and billing terms may change prospectively upon notice where required.

If your subscription is canceled, you may continue to have access through the end of the current paid billing period unless otherwise stated.

8. Free Beta / Promotional Access

We may offer free plans, beta access, trial access, discounted access, or promotional pricing at our discretion. Such offerings may be modified or discontinued at any time.

We reserve the right to change pricing, introduce paid plans, remove beta status, or modify plan limits at any time on a prospective basis.

9. Refunds

Except where required by law, all fees are non-refundable once paid.

If we choose to offer a refund, credit, or accommodation in a particular case, that does not obligate us to do so in the future.

If you use a third-party billing provider, additional billing, refund, or cancellation terms of that provider may apply.

10. User Content and Inputs

The Services may allow you to submit, store, or configure information such as profile data, settings, trade entries, watchlist-related information, calculator inputs, strategy inputs, and other user-generated data.

You retain ownership of content you submit, but you grant us a non-exclusive, worldwide, royalty-free license to host, store, reproduce, process, transmit, and display that content as necessary to operate, maintain, improve, secure, and provide the Services.

You represent and warrant that:

• you own or control the rights to content you submit;
• your content does not violate law or third-party rights;
• your content is accurate to the extent relevant to your use of the Services.

We are not responsible for verifying the accuracy, legality, or usefulness of user-submitted content.

11. Acceptable Use

You agree not to:

• use the Services for unlawful, fraudulent, deceptive, or abusive purposes;
• copy, scrape, harvest, mirror, or systematically extract data or content from the Services without authorization;
• interfere with or disrupt the Services, servers, or networks;
• upload malicious code, viruses, or harmful scripts;
• attempt to reverse engineer, decompile, or disassemble the Services except to the extent such restriction is prohibited by law;
• probe, scan, or test the vulnerability of the Services without authorization;
• circumvent security features, access controls, or rate limits;
• impersonate any person or entity or misrepresent your affiliation with Volarb;
• use the Services to build a competing product using our proprietary content, structure, or output in a manner that exceeds permitted use.

12. Intellectual Property

The Services, including all software, text, graphics, layouts, charts, visualizations, branding, logos, interface elements, documentation, compiled datasets, original written content, and related materials, are owned by Volarb or its licensors and are protected by intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your own internal, personal, non-commercial use.

You may not, without our prior written permission:

• reproduce, republish, sell, license, sublicense, distribute, or publicly display our content;
• use our brand assets, product screenshots, or proprietary materials in a misleading way;
• create derivative commercial works based on the Services or our content, except as otherwise permitted by law.

13. Market Data and Third-Party Services

The Services may rely on third-party providers for market data, infrastructure, authentication, hosting, billing, analytics, email delivery, and other functionality.

We do not guarantee that third-party data, quotes, analytics inputs, availability, or integrations will be accurate, complete, current, or uninterrupted. Delays, omissions, outages, pricing errors, stale data, vendor changes, or API failures may occur.

We are not responsible for third-party services, and your use of them may also be governed by their own terms and policies.

14. Availability; Changes to the Services

We may modify, suspend, or discontinue any part of the Services at any time, with or without notice.

We do not guarantee that:

• the Services will always be available;
• any feature will remain available;
• any content or dataset will continue to be offered;
• the Services will be error-free, uninterrupted, or compatible with every device or browser.

We may also impose limits on features, storage, usage, or access.

15. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

WE DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF:

• MERCHANTABILITY;
• FITNESS FOR A PARTICULAR PURPOSE;
• TITLE;
• NON-INFRINGEMENT;
• ACCURACY;
• RELIABILITY; and
• QUIET ENJOYMENT.

Without limiting the foregoing, we do not warrant that:

• the Services or any output will be accurate, profitable, complete, current, or suitable for your needs;
• any models, analytics, forecasts, or calculations will match real-world outcomes;
• any defects or errors will be corrected;
• the Services will be uninterrupted, secure, or free of harmful components.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VOLARB AND ITS OFFICERS, MEMBERS, AFFILIATES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, TRADING LOSSES, DATA, GOODWILL, BUSINESS OPPORTUNITY, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO:

• YOUR ACCESS TO OR USE OF THE SERVICES;
• YOUR INABILITY TO ACCESS OR USE THE SERVICES;
• ANY MARKET DATA, ANALYTICS, SIMULATIONS, OR OUTPUT;
• ANY TRADING OR INVESTMENT DECISIONS;
• ANY THIRD-PARTY SERVICES OR PROVIDERS;
• ANY UNAUTHORIZED ACCESS, BREACH, INTERRUPTION, OR SYSTEM FAILURE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

Some jurisdictions do not allow certain limitations of liability, so portions of this section may not apply to you.

17. Indemnification

You agree to defend, indemnify, and hold harmless Volarb and its officers, members, affiliates, contractors, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

• your use or misuse of the Services;
• your violation of these Terms;
• your violation of applicable law;
• your infringement of any third-party rights; or
• content or data you submit through the Services.

18. Termination

We may suspend, restrict, or terminate your access to the Services at any time, with or without notice, if:

• you violate these Terms;
• you create risk, legal exposure, or operational burden for us or others;
• your account is inactive, fraudulent, abusive, or unauthorized;
• required by law, a court order, or a service provider relationship.

You may stop using the Services at any time and may cancel your subscription in accordance with the applicable billing flow.

Sections that by their nature should survive termination will survive, including ownership, disclaimers, limitations of liability, indemnification, dispute-related provisions, and any accrued payment obligations.

19. Privacy

Your use of the Services is also subject to our Privacy Policy.

20. Changes to These Terms

We may revise these Terms from time to time. If we do, we will update the "Last updated" date above and post the revised Terms.

By continuing to use the Services after revised Terms become effective, you agree to the updated Terms.

21. Governing Law

These Terms are governed by the laws of the State of Louisiana, without regard to conflict of laws principles.

22. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved exclusively in the state or federal courts located in Louisiana, and you consent to personal jurisdiction and venue in those courts.

23. Miscellaneous

These Terms constitute the entire agreement between you and Volarb regarding the Services and supersede prior or contemporaneous understandings relating to the subject matter herein.

If any provision of these Terms is held unlawful, invalid, or unenforceable, the remaining provisions will remain in full force and effect.

Our failure to enforce any provision of these Terms will not be deemed a waiver of that provision or any other provision.

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.

24. Contact Information

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