Terms of Use

Effective as of: January 1, 2026

1. Scope and Subject Matter of the Agreement

1.1. These General Terms and Conditions of Use (hereinafter “GTC”) govern the contractual relationship between VestChance GbR, Röhrhofsgasse 10, 01067 Dresden (hereinafter “TRADIC” or “we”) and the users (hereinafter “Users” or “you”) of the TRADIC software platform.

1.2. The subject matter of this Agreement is the provision of Software-as-a-Service (SaaS) that enables the User to connect to their own account with a supported third-party provider (hereinafter “Broker”) via an application programming interface (API) and to execute automated trading strategies (hereinafter “Bots”).

1.3. Important note: TRADIC is a pure technology platform and explicitly offers not a financial service within the meaning of the German Banking Act (KWG) or the German Securities Institutions Act (WpIG) We do not provide investment advice, investment brokerage services, financial portfolio management, or proprietary trading, nor do we issue trading recommendations. Our service is limited to providing the software as a tool. The software exclusively executes the instructions configured by the user. All trading decisions, the selection of strategies and parameters, and the monitoring of activities are the sole responsibility of the user. The user always acts on their own responsibility and at their own risk.

2. Registration, User Account, and Conclusion of the Agreement

2.1. Use of TRADIC requires successful registration. This service is intended exclusively for consumers and businesses residing or having their registered office in the European Union (EU) or the European Free Trade Association (EFTA). The user is required to provide truthful and complete information during registration. Only one user account may be created per natural or legal person.

2.2. The agreement regarding the use of TRADIC is concluded as soon as the user agrees to these Terms and Conditions and the Privacy Policy during registration and successfully creates an account.

2.3. The user is solely responsible for maintaining the confidentiality and security of their login credentials (password). Disclosing them to third parties is prohibited.

3. Scope of Services, Fees, and Credit Balances

3.1. TRADIC provides the technical infrastructure for creating, managing, and running bots. The exact scope of functionality is set forth in the current description on our website.

3.2. TRADIC charges a fee based on successful trading volume for the use of the bots. The exact amount and billing method of the fees are specified in the separate Price List as set forth in the annex, which forms an integral part of this agreement.

3.3. TRADIC does not hold the user’s trading capital or assets at any time. All trading activities take place directly in the user’s account with their respective broker.

3.4. TRADIC Balance (Wallet): The credit account (“wallet”) maintained on the platform is a prepaid account and is used exclusively for the internal settlement of service fees incurred. It is not a bank account or a deposit. No interest is paid on the balance.

3.5. Wallet-Stand nach Verkäufen: Gebühren werden nach jedem Verkauf vollständig abgebucht – auch wenn das Restguthaben nicht ausreicht. Das Wallet kann dadurch 0 € erreichen oder ins Minus fallen. In diesem Fall stoppen wir alle Bots sofort. Offene Positionen bleiben geöffnet. Sobald das Wallet wieder Guthaben aufweist, können Bots erneut aktiviert werden.

3.6. Empfehlungsprogramm (Tell-a-Friend): Nimmt der Nutzer an unserem Empfehlungsprogramm teil, erhält er für erfolgreich geworbene Neukunden eine Provision. Die Provisionsverteilung beträgt 30 % der vom geworbenen Nutzer gezahlten TRADIC-Servicegebühren für den werbenden Nutzer; 70 % verbleiben bei TRADIC.

3.7. Auszahlungsgebühr: Für jede Wallet-Auszahlung fällt eine fixe Bearbeitungsgebühr in Höhe von 1,00 € an. Die Gebühr wird vor der finalen Auszahlung vom Auszahlungsbetrag abgezogen und in der Auszahlungsübersicht transparent ausgewiesen.

3.8. Sicherheits-Haltefrist für Einzahlungen: Neue Einzahlungen unterliegen aus Sicherheits- und Betrugspräventionsgründen einer Haltefrist von 14 Kalendertagen. Während dieser Frist sind die betroffenen Beträge nicht auszahlbar. Erst nach Ablauf der Frist werden sie im Auszahlungsbereich als „Verfügbar“ ausgewiesen.

3.9. Stripe Connect Verifizierung: Auszahlungen werden automatisiert und sicher über unseren lizenzierten Zahlungsdienstleister Stripe (Stripe Connect) abgewickelt. Hierfür ist eine separate Verifizierung bei Stripe erforderlich.

4. User Obligations and Responsibilities

4.1. The user is solely responsible for selecting their broker, setting up and securely storing their API keys, and configuring their bots (selection of assets, strategies, and capital).

4.2. The user shall ensure that the API keys created by them grant TRADIC exclusively trading permissions. In particular, they may not No withdrawal rights shall be granted. The user is required to immediately delete their API keys from their broker’s system if there is any suspicion that they have been compromised.

4.3. The user confirms that the Risk Disclosures that you have read and understood this.

4.4. The user is solely responsible for the proper taxation of their trading profits. TRADIC merely provides a transaction overview as a tool; this does not constitute tax advice.

5. Availability, Maintenance, and Malfunctions

5.1. We strive to ensure the highest possible availability of our services. However, as a startup in the development phase, we cannot guarantee a specific availability percentage (SLA). We strive to maintain consistent availability, but we cannot guarantee uninterrupted access.

5.2. We will notify users of scheduled maintenance in a timely manner and will make every effort to schedule it for times when market activity is low.

5.3. Fair-Use und Systemschutz: Zur Sicherstellung einer stabilen und schnellen Plattform ist TRADIC berechtigt, rechenintensive Funktionen (z. B. Backtests) zeitlich oder mengenmäßig zu begrenzen. Aktuell gilt eine Begrenzung auf maximal 5 Backtests pro Nutzer innerhalb eines rollierenden 24-Stunden-Zeitraums. TRADIC kann diese Grenzen bei Bedarf anpassen, um die Leistungsfähigkeit der Dienste zu gewährleisten.

6. Prohibited Use and Termination by TRADIC

6.1. Users are prohibited from misusing TRADIC’s services for unlawful purposes. This includes, in particular, attempts at hacking, fraud (e.g., by creating multiple accounts), suspected money laundering, or manipulation of the software.

6.2. In the event of serious violations, we reserve the right to immediately suspend the user account and terminate the contract without notice.

6.3. Processing after termination: In the event of extraordinary termination (suspension) by TRADIC, all active bots will be stopped immediately. If the user is still entitled to a lawful remaining balance, it will be refunded to the original payment method. However, we reserve the right to charge a fee for the increased manual effort involved in the review and reversal process. processing fee to charge a reasonable fee (a flat rate of up to €25.00 or, at most, the amount of the remaining balance) and to deduct it directly from the payout amount. The user is entitled to provide evidence that no damage or expense was incurred at all, or that it was significantly lower than the flat rate.

7. Intellectual Property

7.1. The software, algorithms, design, and all content of TRADIC are our intellectual property. The user is granted a non-exclusive right to use the software for the duration of the contract.

7.2. Any form of reproduction, reverse engineering, or distribution of the software is prohibited.

8. Limitation of Liability

8.1. Our liability is limited to the proper technical provision of the software. We are not liable for financial losses resulting from market developments, the user’s strategy, or malfunctions on the part of the broker.

8.2. The information displayed on the platform (e.g., backtests) is for illustrative purposes only. Past performance is not indicative of future results.

8.3. We are liable only for intentional acts and gross negligence, as well as for breaches of material obligations. In cases of slight negligence, liability is limited to foreseeable damages typical for this type of contract.

9. No conflicts of interest

TRADIC does not engage in proprietary trading against its clients and does not receive commissions from brokers based on users' trading volume. Our business model is based solely on transparent service fees.

10. Term of the Agreement and Termination by the User

10.1. The user can close their account at any time via the settings (“Delete Account”).

10.2. When a bot is deleted, API keys and trading functions are removed. However, transaction data is retained for 10 years in accordance with legal retention requirements for tax and regulatory purposes.

10.3. Remaining balance upon cancellation: The user is required to request any remaining balance via the withdrawal function before deleting the account. By confirming the deletion process, the user waives any remaining balance below the minimum withdrawal threshold or waives the refund of the smallest possible remaining amounts, whose transaction costs would exceed the value of the balance, in order to complete the deletion process immediately.

11. Final Provisions

11.1. The laws of the Federal Republic of Germany shall apply.

11.2. The place of jurisdiction is Dresden if the user is a merchant. Otherwise, the statutory provisions apply.

11.3. If any provision of this agreement is invalid, the remainder of the agreement shall remain in full force and effect.

12. Use of external AI tools for support

12.1. TRADIC provides links to external AI services (e.g., OpenAI ChatGPT) to assist users in setting up the API interfaces.

12.2. These services are provided by third parties. TRADIC has no control over the content generated by the AI. The generated responses are automated and are intended solely as non-binding guidance.

12.3. TRADIC assumes no liability for the accuracy, completeness, or appropriateness of the information provided by external AI tools. The responsibility for entering data into these tools and for implementing the steps suggested by the AI lies solely with the user.

13. Right of Withdrawal

Consumers have a legal right of withdrawal. You can find more information about this in our separate Cancellation Policy. Your right of withdrawal expires prematurely if we have begun to perform the contract (e.g., the first bot trade) after receiving your express consent and you have acknowledged that you lose your right of withdrawal once performance begins.