Version v1 · Effective 2026-08-03

Kiroex Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your access to and use of the Kiroex platform, including our website at kiroex.com, our web application, and all related services (together, the "Service"). The Service is operated by Kiroex ("Kiroex", "we", "us", or "our"), a company registered in England and Wales.

By creating an account, accessing, or using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, you must not use the Service.

If you are using the Service on behalf of a business or other entity, you represent that you have authority to bind that entity, and "you" refers to both you and that entity.

2. Eligibility

To use the Service, you must:

• be at least 18 years old;
• have the legal capacity to enter into a binding contract;
• not be barred from using the Service under the laws of England and Wales or any other applicable jurisdiction;
• not be located in, or a resident of, a country subject to sanctions that would prohibit your use of the Service.

Kiroex does not knowingly permit anyone under 18 to register. If we become aware that an account belongs to someone under 18, we will suspend or terminate it.

You are responsible for ensuring that your use of the Service, including participation in the marketplace and any financial content shared on the platform, complies with the laws applicable in your jurisdiction, including any restrictions on receiving or acting on trading-related content.

3. Account Registration and Security

To access most features you must create an account and provide accurate, current, and complete information. You agree to keep your account information up to date.

You are responsible for:

• maintaining the confidentiality of your login credentials;
• all activity that occurs under your account, whether or not authorised by you;
• notifying us immediately at [support@kiroex.com] if you suspect unauthorised access or use of your account.

We may suspend or terminate your account if we reasonably believe it has been compromised, or if you fail to comply with these Terms.

4. Description of the Service

Kiroex is an online trading-education and community platform. Depending on your account type and subscriptions, the Service may include:

4.1 Platform Subscriptions

Direct subscriptions to Kiroex at "member" or "trader/educator" tiers, granting access to platform features according to the tier purchased. All subscriptions are billed via Stripe as described in Section 5.

4.2 Trader/Community Marketplace

Kiroex hosts a marketplace in which independent traders and educators ("Traders") operate their own paid communities. Members may subscribe to individual Trader-led communities. Payments for community subscriptions are processed via Stripe Connect, with payouts made directly to the relevant Trader, subject to Kiroex retaining a platform fee on each subscription as set out in Section 5 and in the applicable Trader agreement. Kiroex is not a party to, and does not guarantee the content or quality of, any individual community.

4.3 AI Trade Journal

Members may connect their own trading history to an AI-powered trade journal, which analyses the member's own trades and provides commentary, statistics, and insights. This feature is powered in part by Anthropic's Claude AI models (see Section 4.8). Trade history may be imported via:

• a live, read-only connection to the member's own MetaTrader 5 account through the third-party service MetaApi; or
• manual upload of CSV or HTML trade history files.

Analysis generated by the trade journal is automated, educational commentary based on the data provided and is not personalised financial advice.

4.4 Live Trading Sessions and Courses

Kiroex and/or Traders may offer scheduled live trading sessions and structured courses. These are educational in nature and do not constitute individualised investment advice or a recommendation to buy, sell, or hold any financial instrument.

4.5 Forums and Messaging

Kiroex provides a public community forum, per-community forums for members of specific Trader communities, and end-to-end encrypted direct messaging between members and Traders. Because direct messages are end-to-end encrypted, Kiroex cannot access their content and cannot moderate, recover, or provide copies of message content, except as described in our Privacy Policy.

4.6 Broker and Prop-Firm Referral Links

The Service may contain referral or affiliate links to third-party brokers or proprietary trading firms. Kiroex may receive compensation if you sign up through these links. Kiroex does not endorse, control, or take responsibility for the products or services of any linked third party.

4.7 Affiliate/Referral Programme

Kiroex operates a platform-wide affiliate/referral programme allowing users to earn rewards for referring new users or subscribers, subject to separate programme terms made available at sign-up to the programme.

4.8 AI Features

Kiroex uses Anthropic's Claude models to power certain features, including the trade journal's analysis, an in-app assistant, and automated support-ticket responses. These AI features:

• generate content automatically and may occasionally produce inaccurate, incomplete, or outdated output;
• do not constitute financial, legal, tax, or investment advice;
• should not be relied upon as a substitute for independent judgement or professional advice.

4.9 Discord and Telegram Integrations

Traders may optionally connect third-party Discord and/or Telegram accounts to broadcast updates to their community. Kiroex does not control, and is not responsible for, content, availability, or security practices of Discord or Telegram.

5. Subscription Billing, Trials, Cancellation and Refunds

5.1 Payment Processing

All payments, including platform subscriptions and marketplace community subscriptions, are processed by Stripe (and, for Trader payouts, Stripe Connect). By subscribing, you agree to Stripe's terms of service in addition to these Terms. Kiroex does not store full payment card details.

5.2 Subscriptions and Renewal

Subscriptions are billed on a recurring basis (monthly or annually, as selected) and will automatically renew at the then-current price unless cancelled before the renewal date.

5.3 Free Trials

Where offered, free trials convert automatically into a paid subscription at the end of the trial period unless cancelled beforehand. We will where required by law notify you of an upcoming conversion.

5.4 Cancellation

You may cancel a platform subscription or a community subscription at any time via your account settings. Cancellation takes effect at the end of the current billing period; you will retain access until that date, and no partial-period refund will be given unless required by law or stated otherwise in this Section.

5.5 Refunds

Except where required by applicable consumer law (including your statutory right to cancel certain distance contracts within 14 days, subject to any exceptions for digital content or services that have already begun with your consent), subscription fees are non-refundable. Refund requests should be sent to [billing@kiroex.com] and will be assessed on a case-by-case basis.

5.6 Platform Fee

Kiroex retains a platform fee on each community subscription processed through the marketplace, deducted from the amount otherwise payable to the Trader via Stripe Connect. The applicable fee percentage is disclosed to Traders in their Trader agreement and/or dashboard and may be updated from time to time on reasonable notice.

5.7 Price Changes

We may change subscription prices. Where required, we will give you advance notice, and the new price will take effect from your next renewal unless you cancel beforehand.

6. Trader-Specific Terms

These provisions apply to any user who registers as a Trader/educator and operates a paid community, publishes courses, or otherwise provides content in that capacity.

6.1 Revenue Share

Traders receive payouts via Stripe Connect for community subscriptions, net of the Kiroex platform fee described in Section 5.6 and any applicable payment processing fees. Payout timing and thresholds are governed by Stripe Connect's standard payout terms and any additional terms set out in the Trader agreement.

6.2 Ownership of Trader Content

As between Kiroex and the Trader, the Trader retains ownership of the original content they create and post, including market analysis, commentary, course materials, and recorded sessions ("Trader Content"). By posting Trader Content, the Trader grants Kiroex a non-exclusive, worldwide, royalty-free licence to host, store, display, distribute, and promote that content as necessary to operate and market the Service.

6.3 Trader Responsibilities

Traders are solely responsible for:

• the accuracy, legality, and suitability of their content and any market commentary they share, which is educational in nature only and must not be presented as personalised financial advice;
• complying with any applicable regulatory requirements relevant to their activities, including any restrictions on providing regulated financial advice or promotions in their jurisdiction;
• their tax obligations in respect of amounts received through the Service.

6.4 No Employment or Agency

Traders operate as independent users of the Service and are not employees, agents, or representatives of Kiroex. Nothing in these Terms creates a partnership, joint venture, or employment relationship between Kiroex and any Trader.

7. Acceptable Use

You agree not to:

• use the Service for any unlawful purpose or in violation of these Terms;
• present yourself as a regulated financial adviser, broker, or fund manager, or hold out any content on the Service as personalised financial advice;
• provide false, misleading, or manipulated trade data, testimonials, or performance claims;
• engage in market manipulation, coordinated pump-and-dump activity, or fraudulent trading schemes;
• harass, abuse, defame, or threaten other users, including within forums or direct messages;
• upload malware, attempt to gain unauthorised access to the Service, or interfere with its normal operation;
• scrape, reverse-engineer, or misuse the Service's data, APIs, or AI features;
• circumvent Kiroex's platform fee by directing marketplace subscribers to pay outside the Service;
• infringe the intellectual property, privacy, or other rights of any person;
• misuse the affiliate/referral programme, including through fraudulent referrals or self-referral abuse.

We may investigate suspected violations and take action including content removal, warnings, suspension, or termination, at our discretion.

8. Intellectual Property

The Service, including its software, design, trademarks, logos, and Kiroex-created content (excluding Trader Content and other user-generated content), is owned by Kiroex or its licensors and protected by intellectual property laws.

Subject to Section 6.2, users retain ownership of content they submit (e.g., forum posts, messages, course materials) but grant Kiroex a licence to host, display, and distribute such content as needed to provide the Service.

You may not copy, modify, distribute, sell, or lease any part of the Service or its content, except as expressly permitted by these Terms or with our written consent.

9. Disclaimers

9.1 Educational Platform Only

Kiroex is an educational and community platform. Kiroex is not a financial advisor, broker, dealer, fund manager, or custodian. We do not hold client funds for trading purposes, execute trades, or manage investments on behalf of users.

9.2 No Personalised Advice

Nothing on the Service — including market analysis, commentary, signals, course content, live sessions, or AI-generated output — constitutes personalised investment, financial, legal, or tax advice, or a recommendation to buy or sell any financial instrument. All such content is provided for general educational purposes only.

9.3 Trading Risk

Trading financial markets carries a significant risk of loss and is not suitable for everyone. Past performance, including any performance shown in the trade journal or shared by Traders, is not indicative of future

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