TIPHEETOpen TipSheet
Legal

Terms of Service

Last updated: September 27, 2026

Welcome to TipSheet. These Terms of Service (the "Terms") are a binding agreement between you and TipSheet ("TipSheet", "we", "us" or "our"). They govern your use of the TipSheet website at https://tipsheet.trade, the TipSheet dashboard, the TipSheet apps for iPhone, iPad, Apple Watch, Android and Wear OS, their widgets, Live Activities and notifications, and every related feature and service (together, the "Service").

Please read these Terms carefully. They include:

  • a statement that TipSheet does not give investment, trading, tax or legal advice (Section 6 and our Risk & Performance Disclosure);
  • disclaimers of warranties and limits on our liability (Sections 17 and 18);
  • for users in the United States, a binding arbitration agreement and a waiver of class actions and jury trials, which you may opt out of within 30 days (Section 21).

By creating an account, checking the acceptance box, or using the Service, you agree to these Terms and to the documents they incorporate: our Privacy Policy, Risk & Performance Disclosure, AI Disclosure, Community Guidelines, Copyright & DMCA Policy, Subscription & Billing Terms and Cookie & Local Storage Notice. If you do not agree, do not use the Service.

1. Who may use TipSheet #

Age. You must be at least 18 years old (or the age of majority where you live, if higher) to use the Service. TipSheet is not directed to minors. Where an app store provides an age signal (such as Apple's Declared Age Range or Google Play's Age Signals), we use it to deny access to users under 18. If we learn that an account belongs to a minor, we will close it and delete its data as described in our Privacy Policy.

Capacity. You must be able to form a binding contract. If you use the Service on behalf of a company or other organization, you confirm that you have authority to bind it, and "you" includes that organization.

Where the Service is offered. TipSheet is currently available only to residents of the United States. It is not offered anywhere its offering would be unlawful, and we may block sign-ups or access from any country at our discretion. At sign-up you tell us your country of residence and confirm it is accurate. You are responsible for complying with the laws that apply to you, including any local rules on financial content, investment recommendations, derivatives and futures trading. If the Service is not lawful for you to use where you live, do not use it.

Sanctions. You confirm that you are not (a) located in, ordinarily resident in, or organized under the laws of any country or region subject to comprehensive U.S. embargoes or sanctions (currently including Cuba, Iran, North Korea, Syria and the Crimea, so-called Donetsk People's Republic and Luhansk People's Republic regions of Ukraine); or (b) listed on, or owned or controlled by a person listed on, any U.S. government list of prohibited or restricted parties, including the OFAC Specially Designated Nationals list and the Commerce Department's Entity List.

2. Accounts and approval #

Registration. To use most of the Service you need an account. You can register with a username, email and password, or with Sign in with Apple or Google Sign-In. You agree to give accurate, current information and to keep it up to date.

Owner approval. New accounts are reviewed before they are activated. We may approve, decline, or delay any application at our sole discretion and without giving a reason, including to manage capacity, protect the community or comply with law. Submitting an application does not create any right to access.

Security. You are responsible for keeping your password, two-factor codes, recovery codes, devices and any API keys you store with us confidential, and for everything that happens under your account. Tell us immediately at support@tipsheet.trade if you suspect unauthorized access. We may require two-factor authentication or email verification. We are not liable for losses caused by someone using your credentials unless that was caused by our breach of these Terms.

One person, one account. Accounts are personal. You may not share, sell, rent or transfer your account or let anyone else use it. Each account may be used on a reasonable number of your own devices.

Suspension and closure by us. We may suspend, restrict or close any account, remove access to any feature, or refuse service to anyone, at any time, at our discretion — including if we reasonably believe you have broken these Terms or the Community Guidelines, created risk or possible legal exposure for us or other users, or if continued service is no longer commercially viable. Where the law requires (for example, for consumers in the EU or UK), we will give reasons and reasonable notice unless the law allows otherwise. If we close a paid account without cause, see the Subscription & Billing Terms for refunds.

Closing your account. You may delete your account at any time in the app (Settings), or on the web at https://tipsheet.trade/delete-account. See How to delete your account.

3. What TipSheet provides #

TipSheet is a market information service. Depending on your plan and platform, the Service may include market news and headlines with links to their publishers; automated, AI-generated stock "calls", grades, scalp ideas and option ideas; gold-futures signals with illustrative entry, target and stop levels ("trade plans"); hit rates, profit-and-loss tiles, backtests and other statistics, which are hypothetical; a personal trade journal and portfolio tracker; the "Ask Claude" AI assistant, which runs on your own Anthropic API key; the "Lounge" members' chat room; push alerts, widgets, Live Activities and watch apps.

We may add, change, suspend or remove features at any time. We do not promise that any feature, market, ticker, data source or signal type will remain available.

4. Licence to use the Service #

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service, and to install and use our apps on devices you own or control, solely for your own personal, non-commercial use. If you downloaded an app from the Apple App Store or Google Play, your use of the app must also comply with that store's usage rules.

All rights not expressly granted are reserved. The Service, including its software, design, text, signals, calls, grades, statistics, compilations, graphics, logos and the "TipSheet" name, is owned by us or our licensors and protected by intellectual-property laws. These Terms do not transfer any ownership to you.

5. Acceptable use #

You agree not to, and not to help or allow anyone else to:

  1. Scrape or extract. Use bots, scrapers, crawlers, automated scripts or other automated means to access, copy, index or extract content or data from the Service, other than through features we provide for that purpose (such as widgets and exports of your own data).
  2. Redistribute or resell. Copy, republish, redistribute, sell, license, sublicense, broadcast, frame or commercially exploit any calls, signals, trade plans, grades, statistics, alerts or other content from the Service, including by posting them to paid groups, chat servers, social media channels or signal services, whether or not you charge for access.
  3. Manipulate markets. Use the Service, or content from it, to engage in or promote market manipulation, spoofing, layering, wash trading, front-running, "pump-and-dump" or "short-and-distort" schemes, insider trading, or any other conduct that violates securities, commodities or other financial laws.
  4. Tout or solicit. Promote securities, tokens or other investments in the Lounge or elsewhere on the Service for compensation or undisclosed personal benefit; solicit other users for paid groups, "signals", managed accounts, or off-platform communications ("DM me for signals"); or post paid promotion of any kind.
  5. Break the law or others' rights. Violate any law or regulation, or infringe anyone's intellectual-property, privacy or publicity rights.
  6. Attack or overload. Probe, scan or test the vulnerability of the Service; breach or circumvent authentication, rate limits, geographic restrictions or other security measures; introduce malware; or interfere with the Service's operation or impose an unreasonable load on it.
  7. Reverse engineer. Decompile, disassemble or reverse engineer the apps or Service, except to the extent that applicable law expressly permits this despite this restriction.
  8. Misrepresent. Impersonate any person or entity, misstate your affiliation, provide false registration details (including your age or country), or create accounts to evade a suspension or block.
  9. Misuse AI features. Use Ask Claude or any AI feature in violation of Anthropic's Usage Policy, to generate unlawful content, or to try to extract our system prompts or other users' data.
  10. Build a competitor. Access the Service to build or benchmark a competing product, or to train a machine-learning model on content from the Service.

Your use of the Lounge is also governed by the Community Guidelines.

6. Not investment advice #

TipSheet provides general, impersonal market information and education. It does not provide investment, financial, trading, tax, accounting or legal advice, and nothing in the Service is a recommendation or solicitation to buy, sell or hold any security, option, futures contract, commodity or other financial instrument.

  • Publisher, not adviser. We are not registered as an investment adviser, broker-dealer, commodity trading advisor, introducing broker, futures commission merchant or in any similar capacity with the U.S. Securities and Exchange Commission, the Commodity Futures Trading Commission, the National Futures Association, FINRA, any U.S. state, or any non-U.S. regulator. We operate as a bona fide publisher of general and regular circulation.
  • Impersonal. The calls, signals, trade plans and statistics we publish are the same for every user who receives them. They are not based on, or tailored to, your finances, holdings, objectives, risk tolerance or circumstances. Features that filter alerts to tickers you follow or hold only choose which items from the same general feed you see; they do not change the content.
  • No account management. We do not accept, hold or manage money or securities, direct or execute trades, or connect to your brokerage account to place orders. Any "broker link" you save is a shortcut that opens your broker's own app or website.
  • Your decisions. You alone decide whether to trade, what to trade, when and in what size. You are responsible for evaluating any information on the Service, for your own trading and investment decisions, and for their results. Consider consulting a licensed professional who knows your situation.
  • Risk. Trading stocks, options and futures involves substantial risk of loss and is not suitable for all investors. You can lose more than your initial investment in futures and some options strategies. Past performance, actual or hypothetical, is not indicative of future results. Read our Risk & Performance Disclosure, which forms part of these Terms.

7. Hypothetical performance #

Hit rates, P&L tiles, backtests, projections and similar statistics on the Service are hypothetical. They are calculated from signal prices and our stated rules, not from actual trades, and they do not reflect real trading, the actual prices you could obtain, or the full effect of fees, slippage, liquidity, taxes or your behaviour. They are subject to the limitations described in the Risk & Performance Disclosure, including the CFTC Rule 4.41 legend. No representation is made that any account will or is likely to achieve results similar to those shown.

8. AI-generated content #

Which content is AI-generated. Many parts of the Service are generated automatically by software and large language models, including calls, grades, summaries, explanations and Ask Claude responses. TipSheet's calls are produced by models developed by the operator and configured with the operator's trading rules, playbook and lessons from past graded calls; they run on third-party AI models (Anthropic's Claude). We label AI-generated content. See our AI Disclosure.

AI can be wrong. AI output can be inaccurate, incomplete, outdated, biased or entirely invented (for example, a fabricated price, headline or statistic). It may sound confident when it is wrong. Do not rely on AI output as fact without checking it against primary sources, and never treat it as advice.

Your responsibility. You are solely responsible for your prompts and for how you use any output. Output does not reflect our views, and we do not guarantee its accuracy or suitability.

Ask Claude and your own API key. Ask Claude works only with your own Anthropic API key, which you choose to save in the Service. When you use it:

  • your prompts, the conversation, and any context you choose to include (such as tickers, TipSheet's public calls and, only if the feature is enabled and you consent, your portfolio or trade-journal data) are sent to Anthropic, PBC for processing under your key;
  • your relationship with Anthropic is governed by Anthropic's own terms and policies (including its Usage Policy), which you are responsible for accepting and following; we are not a party to that relationship and are not responsible for Anthropic's services;
  • you are responsible for all charges Anthropic bills to your key, including charges from usage you did not expect. Set spending limits in your Anthropic account. We are not liable for those charges, for any suspension of your Anthropic account, or for Anthropic's handling of your data;
  • we store your key encrypted and use it only to make the requests you ask for. You can remove it at any time in Settings.

Before your first use of Ask Claude we ask for your consent to send data to Anthropic. You can withdraw that consent in Settings at any time.

Reporting. You can report any AI response using the in-app "Report" option. Reports help us improve guardrails; we are not obliged to act on any specific report.

9. Your content and the Lounge #

Your content. "User Content" means anything you submit to the Service, including Lounge posts, display name, trade-journal entries, portfolio data, notes to the owner, chat prompts and feedback. You keep ownership of your User Content.

Licence to us. You grant us a non-exclusive, worldwide, royalty-free, fully paid, sublicensable (to our service providers only) licence to host, store, reproduce, process, display, transmit, adapt (for formatting and display), moderate and delete your User Content, solely to operate, secure, improve and provide the Service, to enforce these Terms and to comply with law. For Lounge posts, this licence includes displaying them to other members. The licence ends when your content is deleted from our systems, except for copies we must keep by law or that remain for a limited time in backups, as described in our Privacy Policy.

Your promises. You confirm that you have all rights needed to submit your User Content and that it complies with these Terms, the Community Guidelines and applicable law, including securities and commodities laws.

Moderation. We may — but are not obliged to — review, filter, refuse, remove or restrict any User Content, and restrict or suspend any account, at our discretion, including automatically before content is posted. The Lounge includes Report and Block tools and an automatic filter. We are not responsible for User Content posted by others, and it does not reflect our views. Other members are not vetted professionals; treat what they say with scepticism.

Feedback. If you send us ideas or suggestions, we may use them freely without obligation to you.

10. Notifications, widgets and devices #

Push alerts, widgets, Live Activities and watch complications are conveniences. They may be delayed, arrive out of order, fail to arrive, or show stale prices. Do not rely on them to time trades. You can change or turn off notifications in the app and in your device settings. Widget and watch links use a device-specific token; treat it like a password and revoke it in Settings if a device is lost.

11. Subscriptions, payments and refunds #

Parts of the Service may require a paid subscription. Paid plans are governed by our Subscription & Billing Terms, which form part of these Terms. In summary:

  • before you buy, we show the price, billing period, any trial terms, and how to cancel;
  • subscriptions renew automatically at the end of each billing period until you cancel;
  • purchases through the Apple App Store or Google Play are billed, managed, cancelled and refunded by Apple or Google under their terms; we cannot cancel or refund those purchases for you;
  • except as required by law or stated in the Subscription & Billing Terms, fees are non-refundable and there are no refunds or credits for partial periods;
  • we may change prices with advance notice as described there.

Taxes are included or added as required by law and the relevant store.

Market data. Prices, quotes, charts, news headlines, company logos, social-media posts and other data on the Service come from third parties and public sources. Third-party data may be delayed, incomplete, inaccurate or unavailable, and is provided without any warranty. Quotes are not guaranteed to be real-time. Always confirm prices with your broker before trading. Third-party providers are not responsible for the Service and disclaim liability for their data.

News and publisher content. We show headlines and short excerpts with attribution and a link to the original publisher. Articles belong to their publishers and are governed by their terms.

Third-party services. The Service links to or integrates with services we do not control, including Apple, Google, Anthropic, broker websites and publishers. Your use of them is governed by their own terms and privacy policies. We are not responsible for them.

Exchange data. References to futures contracts (for example, COMEX gold futures) and exchange names are for identification only.

13. Privacy #

Our Privacy Policy explains how we collect and use personal data. By using the Service you acknowledge that we process your data as described there.

14. Intellectual property complaints #

We respect intellectual-property rights and respond to valid notices under the U.S. Digital Millennium Copyright Act. See our Copyright & DMCA Policy. We terminate the accounts of repeat infringers in appropriate circumstances.

15. Beta features and availability #

Some features are labelled beta, preview or experimental, or are available only to some users. They are provided "as is", may change or be withdrawn at any time, and may be less reliable. We do not guarantee that the Service will be uninterrupted, timely or error-free, and we may suspend it for maintenance, security or any other reason.

16. Indemnity #

To the fullest extent permitted by law, you will defend, indemnify and hold harmless TipSheet and its members, managers, officers, employees, contractors, agents, licensors and service providers from and against any claims, liabilities, damages, losses, fines, penalties, costs and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use or misuse of the Service; (b) your User Content; (c) your trading or investment decisions; (d) your breach of these Terms or of any law; (e) your use of your Anthropic API key or any third-party service; or (f) your violation of anyone else's rights. We may assume exclusive control of the defence of any matter subject to indemnity, and you will cooperate with us. This Section does not require consumers to indemnify us where local law does not allow it.

17. Disclaimer of warranties #

THE SERVICE AND ALL CONTENT, DATA, SIGNALS, CALLS, TRADE PLANS, STATISTICS, AI OUTPUT AND USER CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, TIPSHEET DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, TIPSHEET DOES NOT WARRANT THAT: (A) ANY CALL, SIGNAL, TRADE PLAN OR AI OUTPUT IS ACCURATE, COMPLETE, TIMELY OR PROFITABLE; (B) MARKET DATA, QUOTES OR NEWS ARE REAL-TIME, ACCURATE OR COMPLETE; (C) ALERTS OR NOTIFICATIONS WILL BE DELIVERED OR DELIVERED ON TIME; (D) THE SERVICE WILL BE UNINTERRUPTED, SECURE OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS; OR (E) ANY DEFECTS WILL BE CORRECTED. YOU USE THE SERVICE, AND MAKE ANY TRADING OR INVESTMENT DECISION, AT YOUR OWN RISK.

Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you. Nothing in these Terms affects rights you have as a consumer that cannot be waived or limited by contract.

18. Limitation of liability #

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL TIPSHEET OR ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, TRADING LOSSES, LOST OPPORTUNITIES, LOSS OF REVENUE, LOSS OF DATA, LOSS OF GOODWILL, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE OR ANY OTHER THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, TIPSHEET IS NOT LIABLE FOR ANY LOSS YOU INCUR FROM ANY TRADE OR INVESTMENT DECISION, WHETHER OR NOT IT WAS BASED ON CONTENT FROM THE SERVICE; FOR DELAYED, INACCURATE OR MISSING MARKET DATA OR ALERTS; FOR AI OUTPUT; FOR USER CONTENT OR THE CONDUCT OF OTHER USERS; OR FOR CHARGES BILLED TO YOUR ANTHROPIC API KEY.

TO THE FULLEST EXTENT PERMITTED BY LAW, TIPSHEET'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO TIPSHEET (OR TO APPLE OR GOOGLE FOR TIPSHEET) FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, AND (B) ONE HUNDRED U.S. DOLLARS (US$100).

THESE LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND US AND APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. THEY DO NOT LIMIT LIABILITY THAT CANNOT BE LIMITED BY LAW, SUCH AS LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, FOR FRAUD OR FRAUDULENT MISREPRESENTATION, OR FOR GROSS NEGLIGENCE OR WILFUL MISCONDUCT WHERE SUCH LIMITS ARE PROHIBITED.

19. Term, termination and survival #

These Terms apply from when you first accept them or use the Service until your account is deleted and you stop using the Service. We may terminate these Terms or your access at any time as described in Section 2. On termination your licence ends immediately, and we will delete your data as described in our Privacy Policy.

Sections that by their nature should survive termination will survive, including Sections 4 (ownership), 5 (acceptable use, as to past conduct), 6 and 7 (no advice; hypothetical performance), 8 (AI content), 9 (licence for content during retention, and feedback), 12, 16, 17, 18, 19, 20, 21, 22 and 25, and any accrued payment obligations.

20. Governing law and venue #

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Texas, United States, without regard to its conflict-of-laws rules, and, where applicable, the U.S. Federal Arbitration Act. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

For any claim that is not subject to arbitration under Section 21, you and we consent to the exclusive jurisdiction and venue of the state and federal courts located in Travis County, Texas, and waive any objection based on inconvenient forum.

21. Arbitration agreement and class action waiver (United States users) #

This Section applies only if you live in the United States. It affects your legal rights. Please read it carefully.

21.1 Informal resolution first. Before starting arbitration or a small-claims case, you and we each agree to try to resolve the dispute informally for at least 60 days. The party raising the dispute must send written notice describing it, the relief sought and the claimant's contact details — to us at legal@tipsheet.trade and postal address available on request at legal@tipsheet.trade, or to you at the email on your account. Any applicable limitations period is tolled during this 60-day period. If the dispute is not resolved, either party may proceed as set out below.

21.2 Agreement to arbitrate. EXCEPT AS PROVIDED BELOW, YOU AND TIPSHEET AGREE THAT ANY DISPUTE, CLAIM OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, INCLUDING THEIR FORMATION, INTERPRETATION, SCOPE, ENFORCEABILITY OR VALIDITY (A "DISPUTE"), WILL BE RESOLVED EXCLUSIVELY BY FINAL AND BINDING INDIVIDUAL ARBITRATION, AND NOT IN COURT. This agreement is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. An arbitrator, not a court, decides all issues, except that a court decides (a) whether the class action waiver in Section 21.5 is enforceable, (b) issues under Section 21.7 (mass arbitration) that the rules assign to a court, and (c) requests for public injunctive relief where arbitration of such relief is not permitted.

21.3 Exceptions. Either party may (a) bring an individual claim in small-claims court in your county of residence or in Travis County, Texas, if it qualifies and stays there on an individual basis; (b) seek an injunction or other equitable relief in court for infringement or misuse of intellectual property, or for unauthorised access to or interference with the Service; and (c) report conduct to a government agency.

21.4 Rules and procedure. The arbitration will be administered by the American Arbitration Association (AAA) under its consumer arbitration rules in effect when the arbitration is filed (the "Rules"), as modified by this Section. The Rules are available on the provider's website. The arbitration will be conducted by a single arbitrator, in English, by video conference or in writing where possible, or in person in your county of residence or another place we agree. We will pay all filing, administration and arbitrator fees above the amount you would pay to file a claim in court, unless the arbitrator finds your claim frivolous or brought for an improper purpose. The arbitrator may award any individual relief a court could award, including attorneys' fees where the law allows, but only in favour of the individual party seeking relief and only to the extent needed to provide relief warranted by that party's individual claim. The arbitrator's decision is final and binding, and judgment may be entered in any court of competent jurisdiction.

21.5 Class action and jury trial waiver. YOU AND TIPSHEET AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS (EXCEPT AS PROVIDED IN SECTION 21.7) OR PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. YOU AND TIPSHEET EACH WAIVE THE RIGHT TO A JURY TRIAL FOR ANY DISPUTE THAT PROCEEDS IN COURT.

21.6 Opt-out. You may opt out of this arbitration agreement within 30 days after you first accept these Terms by emailing legal@tipsheet.trade from the address on your account with the subject "Arbitration Opt-Out" and your username and a clear statement that you opt out. Opting out does not affect any other part of these Terms. If you opted out of a previous version, your opt-out continues to apply.

21.7 Mass arbitration. If 25 or more demands for arbitration raising substantially similar claims are filed by or with the assistance of the same law firm, group of firms or organisation within a 90-day period ("Mass Filing"): (a) the demands will be administered in batches of up to 50 claimants each (or a different number if the provider's mass-arbitration rules require), with each batch assigned to a single arbitrator, and only one batch proceeding at a time unless the parties agree otherwise; (b) the parties will first select up to 10 bellwether cases (5 chosen by each side) to be resolved before the remaining cases, and the remaining demands are held in abeyance, with filing fees not due, until the bellwethers are decided; (c) after the bellwethers, the parties will engage in a global mediation for at least 60 days; and (d) any applicable statute of limitations is tolled for held claims from the date the demand is filed. The provider's mass-arbitration rules and fee schedules apply to the extent consistent with this Section. A court of competent jurisdiction may resolve any disagreement about whether this Section applies.

21.8 Changes. If we change this Section 21 (other than a change to our notice address), you may reject the change by emailing legal@tipsheet.trade within 30 days after the change takes effect, in which case the most recent version you accepted continues to apply.

21.9 Severability. If the class action waiver in Section 21.5 is found unenforceable as to any claim or request for relief, that claim or request (and only that one) will be severed and decided by a court under Section 20 after all arbitrable claims are resolved, and the rest of this Section still applies. If any other part of this Section is found unenforceable, the remainder stays in effect.

22. Apple App Store additional terms #

If you downloaded a TipSheet app from the Apple App Store, the following also applies, and prevails over anything inconsistent in these Terms as it relates to the app:

  1. Parties. These Terms are between you and TipSheet only, not with Apple Inc. ("Apple"). TipSheet, not Apple, is solely responsible for the app and its content.
  2. Scope of licence. Your licence to the app is limited to a non-transferable licence to use the app on any Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the app may be accessed and used by other accounts associated with you through Family Sharing or volume purchasing where available.
  3. Maintenance and support. TipSheet is solely responsible for providing any maintenance and support for the app, as described in these Terms or required by law. Apple has no obligation to provide any maintenance or support. Contact support@tipsheet.trade.
  4. Warranty. TipSheet is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) of the app to you. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the app, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty are TipSheet's responsibility, to the extent not disclaimed.
  5. Product claims. TipSheet, not Apple, is responsible for addressing any claims by you or any third party relating to the app or your possession or use of it, including (a) product liability claims; (b) any claim that the app fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy or similar legislation, including in connection with the app's use of the HealthKit and HomeKit frameworks (which the app does not currently use).
  6. Intellectual property. If any third party claims that the app or your possession and use of it infringes that third party's intellectual-property rights, TipSheet, not Apple, is solely responsible for the investigation, defence, settlement and discharge of that claim.
  7. Legal compliance. You represent and warrant that (a) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
  8. Developer name and address. TipSheet (postal address available on request at legal@tipsheet.trade). Questions, complaints or claims about the app: support@tipsheet.trade.
  9. Third-party terms. You must comply with applicable third-party terms of agreement when using the app (for example, your wireless data service agreement and, for Ask Claude, Anthropic's terms).
  10. Third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

If these Terms are silent on a point, Apple's Licensed Application End User License Agreement (standard EULA) fills the gap to the extent consistent with these Terms.

23. Google Play additional terms #

If you downloaded a TipSheet app from Google Play: (a) these Terms are between you and TipSheet only, not Google LLC or its affiliates ("Google"); (b) your use of the app must also comply with the Google Play Terms of Service, which prevail over these Terms to the extent of any conflict as to your use of Google Play; (c) Google has no obligation to provide maintenance or support for the app; (d) purchases, billing, cancellation and refunds of in-app subscriptions are handled through Google Play under its policies; and (e) TipSheet, not Google, is responsible for the app and its content and for addressing any claims relating to it.

24. Changes to these Terms #

We may change these Terms from time to time. If a change is material, we will give you reasonable advance notice — at least 14 days where practicable (30 days for changes that reduce your rights as a paying subscriber, and as required by law) — by email, in-app notice or on the website, and we will ask you to accept the updated Terms before you continue to use certain features. The current version and its date are shown at the top of this page and at https://tipsheet.trade/legal/terms. Changes do not apply retroactively to disputes of which we had notice before the change. If you do not agree to a change, stop using the Service and delete your account; if you are a paying subscriber and the change materially harms you, see the Subscription & Billing Terms for your options. Minor changes (such as clarifications or new features) may take effect when posted.

25. General #

  • Entire agreement. These Terms, together with the documents they incorporate, are the entire agreement between you and us about the Service and supersede prior agreements on that subject.
  • Order of precedence. If there is a conflict, these Terms prevail over the incorporated documents, except that the Privacy Policy governs how we handle personal data and Section 22 prevails as to the Apple app.
  • Assignment. You may not assign or transfer these Terms without our written consent. We may assign them, in whole or part, including to an affiliate, to TipSheet on its formation, or in connection with a merger, acquisition, reorganisation or sale of assets, on notice to you where required by law.
  • Severability. If any provision is held invalid or unenforceable, it will be enforced to the maximum extent permitted and the rest of these Terms remain in effect.
  • No waiver. Our failure to enforce a provision is not a waiver of our right to do so later.
  • Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control, including outages of hosting, data, messaging or AI providers, exchange or market disruptions, internet failures, labour disputes, natural disasters, war, terrorism or government action.
  • Relationship. No agency, partnership, joint venture, fiduciary, advisory or employment relationship is created by these Terms.
  • Third-party beneficiaries. Except as stated in Section 22, there are no third-party beneficiaries.
  • Notices. We may give you notices by email to your account address, in the app or on the website. You must send legal notices to legal@tipsheet.trade and, for formal service, to TipSheet (postal address available on request at legal@tipsheet.trade).
  • Electronic communications. You consent to receiving communications electronically, and agree that electronic agreements, notices and disclosures satisfy any requirement that they be in writing.
  • Language. The English version of these Terms controls. Translations are for convenience only, except where local law requires otherwise.
  • Headings. Headings are for convenience and do not affect interpretation. "Including" means "including without limitation".

26. Contact #

See our Imprint for operator details.