Terms of Service

1. What this is

Desktop Wallstreet ("the service") is software that connects your Alpaca brokerage account to a multi-agent AI trading pipeline. By signing up you agree to these terms. If you don't agree, don't use the service.

2. Not investment advice

Nothing produced by this service — agent outputs, scanner rankings, suggested trades, charts, news digests — is investment, financial, legal, or tax advice. The AI agents make probabilistic judgements based on incomplete data and they will be wrong sometimes. Every trade you execute is your own decision and your own risk.

3. Paper trading is the default

The dashboard is built around Alpaca paper trading — simulated money on a real market data feed. If you connect Alpaca live keys instead, all activity routes to a real brokerage account with real money. We don't gate that switch — but we strongly recommend running on paper for at least a month before risking real capital.

4. Your responsibilities

• Provide accurate broker keys. Don't share your account or password.
• Pay for AI provider usage on the API key you supplied (Anthropic, OpenAI, etc.) — those bills come direct from the provider, not us.
• Comply with the laws that apply to you. Trading equities and options has tax and reporting consequences.
• Don't reverse-engineer the service or use it to attack Alpaca, Stripe, Supabase, or any AI provider.

5. Subscription & billing

Paid plans are billed via Stripe in the currency shown at checkout. Subscriptions auto-renew until you cancel from the customer portal. Cancellations take effect at the end of the current billing period — no pro-rated refunds. German consumers retain their statutory 14-day right of withdrawal where it applies; emailcontact@desktopwallstreet.com to invoke it.

6. Availability & warranty

The service is provided "as is" with no uptime guarantee. We aim for 99% but solo-operate it from Hannover and there will be outages — Vercel deploys, Supabase maintenance, Alpaca rate limits, AI provider downtime. None of these will crystallise into a refund unless we specifically promise one in writing.

7. Liability

To the fullest extent permitted by German law, the operator is not liable for trading losses, missed trades, broker outages, AI hallucinations, or consequential damages. This does not limit liability for intent, gross negligence, or anything else mandatory law refuses to disclaim (e.g. § 309 BGB).

8. Termination

You can delete your account from Settings at any time — that wipes your row, encrypted keys, and trading state. We may suspend or terminate accounts that abuse the service (broker fraud, scraping, attacks). On termination, sections 2, 7, and 9 survive.

9. Governing law

German law applies. Place of jurisdiction is Hannover, Germany — to the extent a consumer-protection law lets you insist on your home court, that prevails.

10. Changes

We may update these terms. Material changes will be announced in-product before they take effect; continuing to use the service after the effective date is acceptance of the new terms.