Terms of Service

1. Acceptance of Terms

By accessing and using Njord Options ("Service", "we", "us", or "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms of Service, please do not use our Service.

We reserve the right to update and change the Terms of Service at any time without notice. Continued use of the Service after any such changes shall constitute your consent to such changes.

2. Description of Service

Njord Options is a portfolio tracking tool designed to help users track options trading strategies, particularly the "wheel strategy" involving cash-secured puts and covered calls. The Service provides:

• Portfolio management and tracking
• Trade logging and history
• Profit/loss calculations
• Premium income tracking
• Analytics and performance metrics
• CSV import from brokers (e.g., Robinhood)
• Educational guides and calculators

3. Educational Tool - Not Financial Advice

4. Risk Disclosure

5. Account Responsibilities

When you create an account with us, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your password and account
• Notify us immediately of any unauthorized use of your account
• Accept responsibility for all activities that occur under your account
• Not share your account credentials with others
• Not use the Service for any illegal or unauthorized purpose

6. Acceptable Use

You agree NOT to:

• Use the Service for any unlawful purpose or to violate any laws
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the Service or servers
• Upload viruses, malware, or other malicious code
• Scrape, crawl, or use automated tools to access the Service without permission
• Impersonate another person or entity
• Harass, threaten, or harm other users
• Use the Service to provide financial advice or recommendations to others

7. Data Accuracy and Calculations

We strive to provide accurate calculations and data tracking. However:

• You are responsible for the accuracy of data you input into the Service
• We do not guarantee the accuracy of profit/loss calculations, cost basis tracking, or other metrics
• Stock prices and market data may be delayed or inaccurate
• You should verify all calculations independently and consult your brokerage statements
• For tax purposes, always use official records from your broker
• We are not liable for any errors, omissions, or inaccuracies in data or calculations

8. Third-Party Data and Services

Our Service may integrate with or reference third-party services (e.g., Yahoo Finance for stock prices, broker CSV imports). We are not responsible for:

• The availability, accuracy, or reliability of third-party services
• Changes to third-party APIs or data formats
• Privacy practices of third-party services
• Any loss or damage resulting from third-party service failures

9. Intellectual Property

The Service and its original content, features, and functionality are owned by Njord Options and are protected by international copyright, trademark, and other intellectual property laws.

You retain ownership of the trading data you input. By using the Service, you grant us a license to use your data solely to provide the Service to you.

10. Privacy and Data Security

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information.

While we implement security measures to protect your data, no method of transmission over the internet is 100% secure. You use the Service at your own risk.

11. Free Service and Modifications

Njord Options is currently provided free of charge. We reserve the right to:

• Modify, suspend, or discontinue any part of the Service at any time
• Introduce paid features or subscription plans in the future
• Change pricing for future premium features (existing free features will remain free)
• Limit features or access to certain users

12. Refund and Cancellation Policy

Subscription Cancellations

You may cancel your subscription at any time through your account settings or by contacting us. When you cancel:

• Your cancellation is effective immediately, but you retain access to paid features until the end of your current billing period
• You will not be charged for subsequent billing periods
• No cancellation fees apply
• Your data remains accessible during your remaining subscription period

Refund Policy

We offer a 14-day money-back guarantee for all new subscriptions:

• If you are not satisfied with the Service, contact us within 14 days of your initial purchase for a full refund
• Refunds are processed within 5-10 business days to your original payment method
• After the 14-day period, subscription fees are non-refundable for the current billing period
• If you are charged in error, contact us immediately for a refund regardless of the time period
• We reserve the right to issue refunds at our sole discretion in exceptional circumstances

Free Trial Period

If we offer a free trial:

• You will not be charged during the trial period
• You may cancel at any time during the trial without being charged
• If you do not cancel before the trial ends, your subscription will automatically begin and you will be charged
• You will receive notice before your trial ends and billing begins

Disputes and Chargebacks

Before initiating a chargeback or payment dispute:

• Please contact us at contact@njordvending.com to resolve the issue
• We are committed to working with you to resolve any billing concerns
• Chargebacks may result in immediate account suspension pending resolution
• Fraudulent chargebacks may result in permanent account termination and legal action

13. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including but not limited to:

• Breach of these Terms of Service
• Violation of applicable laws
• Fraudulent, abusive, or illegal activity
• At our sole discretion for any other reason

Upon termination, your right to use the Service will immediately cease. You may delete your account at any time through your account settings.

14. Limitation of Liability

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID US IN THE PAST TWELVE MONTHS, OR $100, WHICHEVER IS GREATER.

15. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Accuracy, reliability, or completeness of data or calculations
• Uninterrupted or error-free operation
• Security or freedom from viruses or malicious code

16. Indemnification

You agree to indemnify, defend, and hold harmless Njord Options, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any rights of another party.

17. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, United States, without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located in New Jersey.

18. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

19. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after revisions become effective, you agree to be bound by the revised terms.

20. Contact Information

If you have any questions about these Terms of Service, please contact us:

21. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Njord Options regarding the use of the Service, superseding any prior agreements between you and Njord Options relating to your use of the Service.