Terms of Service

Welcome to Market Dip. These Terms of Service (“Terms”) form a binding legal agreement between you and AGR Holdings LLC, a Wyoming limited liability company (“AGR Holdings,” “we,” “us,” or “our”), governing your access to and use of the Market Dip website, mobile applications, application programming interfaces, and related services (collectively, the “Service”). Please read these Terms carefully. By creating an account, accessing, or using the Service in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated here by reference. If you do not agree to these Terms, you must not create an account or use the Service.

1. Acceptance & Eligibility

The Service is intended for adults only. You represent and warrant that you are at least eighteen (18) years old, or the age of majority in your jurisdiction of residence if that age is greater, and that you have the legal capacity to enter into a binding agreement. If you are accessing the Service on behalf of an entity, you represent that you are authorized to bind that entity to these Terms, in which case “you” refers to that entity. An agreement between you and AGR Holdings is formed upon the earlier of (i) your creation of an account or (ii) any use of the Service.

You may not use the Service if you are barred from doing so under the laws of the United States or any other jurisdiction, including the jurisdiction from which you access the Service, or if you are on any U.S. government list of prohibited or restricted parties.

2. Nature of the Service

Market Dip is a technical-analysis information tool and publisher of general-circulation market information. Market Dip is not a registered investment adviser, broker-dealer, or financial planner, and nothing in the Service constitutes personalized investment advice or a recommendation to buy, sell, or hold any security or cryptoasset. No advisory or fiduciary relationship is created between you and AGR Holdings LLC.

All grades, scores, alerts, commentary, and any output generated by the Service — including any response, summary, or analysis produced by DipBot or any other artificial-intelligence feature — are educational information of general circulation. They are informational only, are not tailored to your personal financial situation, and do not take into account your investment objectives, holdings, income, risk tolerance, tax status, or any other individual circumstance.

You are solely responsible for evaluating the merits and risks associated with any decision to buy, sell, or hold any security or cryptoasset, and for the outcomes of any trades or investments you make. You should consult a licensed financial professional, tax adviser, or attorney regarding your individual circumstances before making any investment decision. Nothing in the Service is intended as legal, tax, or accounting advice.

3. No Warranties on Data or Availability

Market data displayed in the Service — including but not limited to prices, quotes, historical bars, volume, fundamentals, analyst estimates, and news — is obtained from third-party providers, which currently include Yahoo Finance, Binance, and other data sources that may change from time to time. This data is provided on an “as is” and “as available” basis. It may be delayed, inaccurate, incomplete, or unavailable. We do not warrant the accuracy, completeness, currency, timeliness, or availability of any data, calculation, or feature in the Service, and we make no guarantees that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

The Service may be modified, suspended, or discontinued in whole or in part at any time, with or without notice. Real-time or near-real-time features may be temporarily unavailable due to upstream data outages, rate limits, or maintenance windows.

4. Past Performance & Risk of Loss

Past performance does not guarantee, predict, or indicate future results. Any historical statistics, backtests, illustrative examples, or references to prior market events shown in the Service are for educational purposes and do not represent the returns any user has achieved or will achieve.

Trading and investing in securities, exchange-traded funds, foreign-exchange pairs, cryptoassets, and derivatives involves substantial risk, including the risk of total loss of the capital you commit. Certain assets can lose all of their value quickly, may be illiquid, and may be subject to significant regulatory uncertainty. You should not commit funds you cannot afford to lose, and you should consider seeking independent professional advice.

5. Artificial-Intelligence Features (DipBot)

Some features of the Service — including DipBot — use third-party artificial-intelligence services, currently provided by Anthropic. When you interact with DipBot, your prompts and the resulting responses are transmitted to the AI provider for processing.

AI-generated output can be inaccurate, incomplete, or out of date, and may reflect biases in its training data. Do not rely on any AI output as a statement of fact or as advice. Verify any material information independently before acting on it. AI output does not constitute investment, legal, tax, or professional advice of any kind.

We log DipBot conversations for the purposes of quality assurance, safety monitoring, abuse prevention, regulatory compliance, and improving the Service. Do not submit sensitive personal information, credentials, or confidential material into DipBot. See our Privacy Policy for details on how these logs are handled.

6. Accounts & Security

To use most features of the Service, you must create an account. You agree to provide accurate, current, and complete information at registration and to keep that information up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly at legal@marketdip.app if you become aware of any unauthorized use of your account or any other breach of security.

Accounts are personal to you. You may not share your account with any other person, and you may not maintain more than one active account without our prior written consent.

7. Subscriptions, Billing & Refunds

Some features of the Service are available only under a paid subscription plan. Paid plans are billed monthly in advance through our payment processor, Stripe. By starting a paid plan, you authorize us and Stripe to charge the payment method on file for the applicable subscription fees, plus any taxes, on each billing cycle until you cancel.

Where a free trial is offered, the trial period begins when you activate the plan. Unless you cancel the plan before the end of the trial period, the plan will automatically convert to a paid subscription at the end of the trial and your payment method will be charged the then-current subscription price. You may cancel at any time from your account settings; cancellation takes effect at the end of the then-current billing period, and you will retain access until that period ends.

Except where required by applicable law, subscription fees are non-refundable, and we do not provide refunds or credits for partial billing periods, unused features, or downgrades taken mid-cycle. Subscription prices, plan features, and applicable taxes may change from time to time. We will notify you of any material change in price at least thirty (30) days in advance, and price changes take effect at the start of your next billing period following that notice; continued use of the paid Service after that date constitutes your acceptance of the new price.

8. Acceptable Use

You agree not to, and not to attempt to:

• scrape, harvest, republish, redistribute, sell, license, or otherwise commercialize any data, grades, signals, alerts, or content obtained from the Service, whether in bulk or individually;
• reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying algorithms of the Service, except to the extent that this restriction is expressly prohibited by applicable law;
• use the Service to violate any applicable law or regulation, including securities laws, sanctions, or anti-money-laundering rules;
• use the Service to send spam, transmit malicious code, or interfere with the integrity or performance of the Service or the networks or systems supporting it;
• share your account credentials with any third party, use another user’s account, or bypass any rate limits, access controls, or plan restrictions; or
• use the Service to build, train, or improve any competing product, model, or dataset.

9. Intellectual Property

The Service and all content therein — including software, source code, algorithms, models, designs, text, graphics, logos, marks, and the “Market Dip,” “DipBot,” and “Drew’s Grade™” names and identifiers — are the property of AGR Holdings LLC or its licensors and are protected by copyright, trademark, and other intellectual-property laws.

Subject to your compliance with these Terms and payment of any applicable fees, AGR Holdings grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial use. No other rights are granted. All rights not expressly granted are reserved.

If you submit feedback, suggestions, or ideas about the Service, you grant AGR Holdings a perpetual, irrevocable, royalty-free, worldwide license to use them for any purpose without any obligation to you.

10. Disclaimers, Limitation of Liability & Indemnification

Disclaimers. To the maximum extent permitted by law, the Service is provided “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise, including without limitation any warranties of merchantability, fitness for a particular purpose, title, non-infringement, or that the Service will meet your requirements or be uninterrupted, timely, secure, or error-free.

No liability for trading losses. Without limiting any other exclusion in these Terms, AGR Holdings has no liability for any trading loss, missed opportunity, tax consequence, or investment decision you make in connection with the Service.

Cap on liability. To the maximum extent permitted by law, in no event will AGR Holdings, its affiliates, officers, directors, employees, contractors, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including lost profits, lost revenue, lost data, or loss of goodwill — arising out of or in connection with the Service, whether in contract, tort (including negligence), warranty, statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages. Our aggregate liability for all claims arising out of or relating to the Service will not exceed the greater of (i) the total fees you paid to us for the Service in the twelve (12) months immediately preceding the event giving rise to the claim, or (ii) one hundred U.S. dollars (US$100).

Indemnification. You agree to defend, indemnify, and hold harmless AGR Holdings and its affiliates, officers, directors, employees, contractors, and agents from and against any and all claims, damages, liabilities, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any law or the rights of any third party, or (d) any decision you make or action you take on the basis of information obtained through the Service.

11. Dispute Resolution — Binding Arbitration & Class-Action Waiver

Please read this section carefully. It affects your legal rights, including your right to sue in court and to participate in a class action.

You and AGR Holdings agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory (a “Dispute”), will be resolved by binding, individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures, and not in a court of law, except that either party may bring an individual action in small-claims court for claims within that court’s jurisdiction. The arbitration will be conducted in English and, unless we agree otherwise, remotely.

Class-action and jury waiver. You and AGR Holdings each agree that any Dispute shall be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, representative, or consolidated proceeding. You and AGR Holdings each waive any right to a trial by jury.

Thirty-day opt-out. You may opt out of this arbitration agreement by sending written notice to legal@marketdip.app within thirty (30) days after you first accept these Terms, stating your name, the email address associated with your account, and that you wish to opt out of arbitration. Opting out does not affect any other provision of these Terms.

Governing law. These Terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws principles. Subject to the arbitration agreement above, any judicial action permitted to be brought will be filed exclusively in the state or federal courts located in Wyoming, and you consent to personal jurisdiction in those courts.

Carve-out for non-waivable consumer rights. If you are a consumer resident in the European Union, United Kingdom, or another jurisdiction whose laws grant you rights that cannot be waived by contract, nothing in this section will limit those non-waivable rights, and any dispute may additionally be brought in the courts of your country of residence to the extent required by those laws.

12. Termination, Modifications, and General Terms

Termination. You may stop using the Service and delete your account at any time. We may suspend or terminate your access to the Service, in whole or in part, at any time and without notice if we believe you have violated these Terms or if we are required to do so by law. On termination, sections that by their nature should survive — including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution — will survive.

Modifications to the Service or these Terms. We may modify the Service or these Terms from time to time. If we make a material change to these Terms, we will provide notice by email to the address on file for your account or through an in-app notice, at least thirty (30) days before the change takes effect (or such shorter period as may be required to address legal or security issues). Your continued use of the Service after the effective date constitutes your acceptance of the revised Terms. If you do not agree, you must stop using the Service.

Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

Entire agreement. These Terms, together with the Privacy Policy and any additional terms you accept for specific features, constitute the entire agreement between you and AGR Holdings concerning the Service and supersede all prior agreements on the same subject matter.

Contact. Questions about these Terms, or notices required to be given to us, should be sent to legal@marketdip.app.