Terms of Service

1. Acceptance of Terms

By accessing or using Ohey Inc.'s ("Ohey," "we," "us," or "our") internet-only investment advice platform (the "Platform"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Platform.

⚠️ IMPORTANT: Ohey provides INTERNET-ONLY investment advice. We do NOT execute trades, hold funds, or manage portfolios. All trading decisions and executions are made independently by you.

2. Services Provided

2.1 Investment Recommendations (Non-Discretionary)

Ohey provides:

• AI-Generated Trade Signals: Machine learning-based recommendations for options and equity trading
• Volatility Analysis: Real-time implied volatility surfaces, gamma exposure monitoring
• Educational Content: Trading strategies, risk management tutorials, market analysis
• Analytics Platform: Performance tracking, signal attribution, and backtesting tools

2.2 What We Do NOT Do

• ❌ Execute trades on your behalf
• ❌ Hold, manage, or custody your funds or securities
• ❌ Have discretionary authority over your account
• ❌ Charge performance fees or profit-sharing arrangements
• ❌ Guarantee investment returns or performance

3. User Eligibility & Account Requirements

3.1 Eligibility

To use the Platform, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Maintain an active brokerage account (if you plan to execute recommended trades)
• Understand the risks associated with securities and options trading
• Have basic knowledge of financial markets and investment concepts

Note: Our platform provides educational content and analytics. While options trading experience is recommended, you may use our educational features regardless of your trading level.

3.2 Account Registration

You agree to:

• Provide accurate, current, and complete information during registration
• Maintain the security and confidentiality of your login credentials
• Notify Ohey immediately of any unauthorized account access
• Accept full responsibility for all activity under your account

4. Fees & Billing

4.1 Subscription Model

• Starter Tier: $0/month (limited features)
• Professional Tier: $299/month (full API access, 500+ tickers)
• Enterprise Tier: Custom pricing (institutional integration)

Billing is monthly or annual (2 months free). Subscriptions auto-renew unless canceled at least 48 hours before renewal date.

4.2 No Performance Fees

Ohey does NOT charge performance fees, AUM fees, or profit-sharing arrangements. Our revenue is subscription-based only.

5. Investment Risks & No Guarantees

⚠️ RISK WARNING: Trading securities involves substantial risk of loss. Past performance does NOT guarantee future results. You may lose your entire investment.

5.1 No Guarantees

Ohey makes NO guarantees regarding:

• Investment returns or profitability
• Accuracy or timeliness of signals
• Suitability of recommendations for your financial situation
• Platform uptime or data availability (best-effort basis)

5.2 Model Risk

Our AI/ML models are based on historical data and statistical patterns. Models may fail during:

• Market regime changes (e.g., recession, bull/bear transitions)
• Black swan events (e.g., 2008 financial crisis, COVID-19 pandemic)
• Extreme volatility conditions (VIX > 50)
• Low liquidity environments

6. User Responsibilities

6.1 Independent Trading Decisions

You acknowledge that:

• You are solely responsible for evaluating recommendations and making trading decisions
• You must consider your own financial situation, risk tolerance, and investment objectives
• You should consult your own financial advisor, tax advisor, or attorney
• Ohey's signals are educational and informational, not personalized advice

6.2 Prohibited Uses

You may NOT:

• Share your account credentials with others
• Reverse engineer, scrape, or copy Ohey's proprietary algorithms
• Resell or redistribute Ohey's signals without written permission
• Use the Platform for illegal activities or market manipulation

7. Data Privacy & Security

Your use of the Platform is also governed by our Privacy Policy. Key points:

• We collect trading activity, signal usage, and account metadata
• We use HTTPS/TLS encryption and JWT authentication
• We retain audit logs for 5 years (SEC compliance)
• We do NOT sell your data to third parties

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OHEY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR INVESTMENT LOSSES, ARISING FROM YOUR USE OF THE PLATFORM.

In no event shall Ohey's total liability exceed the amount you paid in subscription fees during the 12 months preceding the claim.

9. SEC Regulatory Compliance

Ohey Inc. is registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC). Our Form ADV is available at https://adviserinfo.sec.gov.

By using the Platform, you acknowledge that Ohey operates as a non-discretionary internet-only investment adviser under the Investment Advisers Act of 1940.

10. Termination

Either party may terminate your account at any time. Upon termination:

• Your access to the Platform will be immediately revoked
• No refunds will be provided for partial subscription periods
• Audit logs will be retained for 5 years (SEC requirement)

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, USA. Any disputes shall be resolved through binding arbitration under the rules of the American Arbitration Association.

12. Changes to Terms

Ohey reserves the right to modify these Terms at any time. Changes will be effective upon posting to the Platform. Continued use of the Platform constitutes acceptance of updated Terms.

13. Contact Information

For questions about these Terms, contact us at:
Email: [email protected]
Subject Line: "Terms of Service Inquiry"

We will respond to inquiries within 2 business days.