Terms of Service

01Who we are

Return Metrics is an independent trading-journal and analytics product built and operated by the Return Metrics team. We are not a broker, custodian, exchange, or introducing broker, and we do not execute trades on your behalf. The Service is designed to help self-directed traders record and reflect on their own decisions.

You can reach us anytime at contactreturnmetrics@gmail.com. A human replies to every message, typically within one business day.

02Not financial advice

Return Metrics is an educational and journaling tool, not a financial advisor, portfolio manager, or fiduciary. Nothing that appears on this site, inside the application, in emails we send you, or in any AI-generated output constitutes investment advice, tax advice, legal advice, or a recommendation or solicitation to buy, sell, hold, or refrain from trading any financial instrument.

Trading foreign exchange, indices, commodities, equities, options, and other leveraged instruments carries a substantial risk of loss and is not suitable for every investor. You may lose some or all of your invested capital, and in leveraged products you may owe more than your initial deposit. Never trade with capital you cannot afford to lose.

You are solely responsible for every decision you make with your capital, including whether to rely on any statistics, tags, reflections, or AI output the Service produces. Historical performance shown in the app, in testimonials, or on public trader share cards is not indicative of future results.

03Eligibility & your account

• You must be at least 18 years old and legally able to enter into a binding contract in your jurisdiction.
• You must provide accurate registration information and keep it up to date.
• You are responsible for all activity that happens under your account, including keeping your password and devices secure. Never share your password or session with another person.
• Return Metrics is a single-seat product per account. Sharing a single login across multiple traders is not permitted and may result in account suspension.
• We may suspend, throttle, or terminate accounts that violate these Terms, abuse the Service, are used for fraud, or otherwise engage in unlawful conduct — with or without prior notice depending on the severity.

04Acceptable use

You agree not to:

• Reverse-engineer, decompile, disassemble, or attempt to extract source code from any part of the Service.
• Interfere with, overload, disrupt, or attempt to gain unauthorised access to the Service, its infrastructure, or the accounts of other users.
• Use automated tools — including bots, scrapers, or headless browsers — to mine, scrape, bulk-export, or index content from the Service, except where an official API is provided and used within its rate limits.
• Upload, transmit, or otherwise make available content that is unlawful, defamatory, obscene, harassing, or that infringes on any third-party right including intellectual property, privacy, or publicity rights.
• Use the Service to develop, promote, or operate a competing product.
• Attempt to circumvent free-trial limits, plan-based feature gates, referral rewards, or usage quotas by creating multiple accounts, spoofing IPs, or using stolen payment credentials.

05Your content & our licence

The trades, notes, tags, reflections, screenshots, CSV imports, and any other content you enter ("Your Content") belong to you. You retain all right, title, and interest in Your Content.

By using the Service, you grant Return Metrics a worldwide, non-exclusive, royalty-free licence to host, store, process, transmit, analyse, and display Your Content solely so we can provide the Service to you. This licence includes the right to send prompts to our AI provider (currently OpenAI GPT-5.2 via the Emergent LLM gateway) so that we can generate insights, auto-tags, reflections, and answers on your behalf.

We will never sell Your Content, share it with advertisers, or use it to train AI models without your explicit consent. Anonymised, aggregated usage statistics — for example, "the average Growth-tier user logs 12 trades a week" — may be used to improve the product and in marketing materials.

06Public share cards & testimonials

By default, every account is issued a public share card at returnmetrics.co/u/{handle}. You can hide it at any time in Settings. The public card only shows aggregate statistics you have already logged — never your notes, screenshots, or raw trade details.

If you submit a testimonial, you grant Return Metrics a non-exclusive, perpetual, royalty-free right to display your quote (with the display-name preference you selected) on the marketing site, in emails, and in social media. You can withdraw a testimonial by emailing us; we will remove it within 30 days of request.

07AI features

The Service uses large-language models — currently OpenAI GPT-5.2 via the Emergent LLM integration — to auto-tag trades, generate reflections, produce weekly summaries, roast CSV uploads, and answer questions about your ledger. AI features have inherent limitations:

• Output can be inaccurate, incomplete, or occasionally hallucinatory.
• Output does not constitute a trading signal, plan, or recommendation.
• Emerging AI models may exhibit different behaviour or availability from time to time.

Treat AI output as a coaching input, not a decision-maker. Return Metrics disclaims all liability for trading decisions made in reliance on AI output.

08Fees, trials & refunds

Some features are available only on paid plans (Growth and Enterprise). Pricing, billing cadence, trial length, and refund eligibility are stated at the point of purchase and displayed on the Pricing section of the marketing site.

• Free trials last 7 days, are limited to one per account, and do not require a payment method. Attempting to obtain multiple trials via duplicate accounts is a violation of these Terms.
• Paid plans are 30-day passes purchased through Stripe. Charges appear on your statement as "STRIPE * RETURN METRICS" or similar.
• Refunds: we offer a 30-day money-back guarantee on paid passes. Email us at contactreturnmetrics@gmail.com with your account email; we will issue the refund to your original payment method within 5 business days.
• Referral credits: when a paid conversion is credited to your referral link, we add 30 days to your plan expiry. Referral credits are non-transferable and have no cash value.
• We may adjust pricing with 30 days' advance notice via email or an in-app announcement.

09Availability & disclaimers

We aim for high uptime and continuously invest in reliability, but the Service is provided "as is" and "as available". To the maximum extent permitted by law, we disclaim all warranties, express or implied, including any warranties of merchantability, fitness for a particular purpose, non-infringement, uninterrupted operation, error-free service, or the accuracy of any data displayed.

Third-party services we depend on (Stripe, OpenAI, Google, Resend, and our hosting provider) may experience outages or degraded performance outside of our control. Return Metrics is not responsible for downstream consequences of a third-party outage.

10Limitation of liability

To the maximum extent permitted by law, Return Metrics, its owners, employees, and contractors will not be liable for any indirect, incidental, consequential, special, or exemplary damages — including lost profits, lost trading opportunities, lost data, or reputational harm — arising out of or related to your use of the Service, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any and all claims relating to the Service will not exceed the greater of (a) USD 100 or (b) the amount you have paid Return Metrics in the twelve months immediately preceding the event giving rise to the claim.

Some jurisdictions do not allow the exclusion of implied warranties or limitations on certain damages, so the above may not apply to you in full.

11Indemnification

You agree to indemnify and hold harmless Return Metrics from any claim, demand, loss, or expense (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your infringement of any third-party right.

12Termination

You may terminate your account at any time from Settings, or by emailing us. Termination does not entitle you to a refund of any unused portion of a paid pass, except as required by the 30-day refund guarantee described above.

We may suspend or terminate your access if you materially breach these Terms, if we are required to do so by law, or if continued provision of the Service becomes commercially or technically infeasible. Upon termination we will delete Your Content within 30 days, subject to any legal retention obligations.

13Changes to these Terms

We may update these Terms as the product evolves. If we make material changes, we will notify you by email or via an in-app notice at least 14 days before the changes take effect. Continued use of the Service after that date constitutes acceptance of the updated Terms.

14Governing law & disputes

These Terms are governed by the laws of the jurisdiction in which Return Metrics is operated, without regard to its conflict-of-law principles. Any dispute arising out of or related to these Terms or the Service will be resolved in the competent courts of that jurisdiction.

Before escalating any dispute, please contact us — we would rather resolve it directly. Most issues are resolved within a week over email.

15Miscellaneous

• These Terms constitute the entire agreement between you and Return Metrics regarding the Service and supersede any prior agreements.
• If any provision is found unenforceable, the remaining provisions will remain in full force and effect.
• Our failure to enforce any right does not constitute a waiver of that right.
• You may not assign your rights or obligations under these Terms without our written consent. We may assign this agreement in the ordinary course of business (e.g., in a merger or acquisition).