Terms and Conditions

1. Acceptance and Eligibility

By accessing, browsing, or using CleaRank (including the website at clearank.com, the SaaS dashboard at trade.clearank.com, and all related services, features, tools, content, and APIs) (the “Service”), you agree to be bound by these Terms and Conditions (these “Terms”). If you do not agree to all terms, do not use the Service. Your continued use following any changes constitutes acceptance of the modified Terms.

You represent and warrant that:

(a) you are at least 18 years of age and capable of entering a legally binding contract. By creating an Account, you affirmatively confirm that you meet this age requirement;

(b) you have the legal right and authority to enter into these Terms on your own behalf or on behalf of any entity you represent;

(c) you are not a resident of, located in, or conducting business in any jurisdiction subject to comprehensive economic sanctions, including without limitation Cuba, Iran, North Korea, Syria, the Crimea region of Ukraine, the so-called Donetsk People’s Republic, Luhansk People’s Republic, Zaporizhzhia and Kherson regions of Ukraine, or any other region designated by the U.S. Office of Foreign Assets Control (OFAC), U.K. Office of Financial Sanctions Implementation (OFSI), the European Union, or the State of Israel;

(d) you are not designated as a terrorist, money launderer, human trafficker, or other restricted party by any government;

(e) you are not listed on any U.S. OFAC, U.K. OFSI, E.U., U.N., or Israeli restricted-party list, including the U.S. Specially Designated Nationals (SDN) list and the U.K. Consolidated List of Financial Sanctions Targets;

(f) you are accessing the Service from a location where it is legal to do so.

If you sign up on behalf of a company, partnership, or other entity, you warrant full authority to bind that entity, and “you” includes the entity and all its representatives.

2. Definitions

Account means your unique user account, secured by login credentials (email and password).

Service means the paper-trading and educational platform at trade.clearank.com, including tools, features, market data, AI analysis, and APIs.

Subscription means a paid Plan (Pro USD $29 per month or Ultra USD $59 per month), billed monthly in USD and auto-renewing.

Trial means the 7-day free trial period following initial signup.

Plan means a service tier (Free, Pro, or Ultra) with corresponding features, limitations, and pricing.

User Content means any text, data, journal entries, trades, notes, portfolios, or content you create or upload.

Confidential Information means non-public information including source code, algorithms, AI models, methodologies, and trade secrets.

3. The Service: Paper-Trading Only & Critical Disclaimers

3.1 Simulated Trading Only

CRITICAL: CleaRank is a paper-trading and educational software service. ALL trades placed through the Service are simulated, hypothetical, and executed in a virtual environment only. Simulated trades do NOT result in the purchase or sale of any real securities, commodities, derivatives, forex, cryptocurrencies, or other financial instruments. CleaRank does not execute real-world trades on your behalf, with your money, or using your brokerage account.

3.2 Not a Financial Institution

CleaRank does NOT: hold customer funds, custody assets, maintain segregated accounts, route orders to exchanges, process real transactions, settle trades, offer margin lending, or maintain broker relationships. CleaRank is NOT registered with the SEC, FINRA, CFTC, NFA, FCA, ESMA, FSA, ISA, or any financial regulator. CleaRank is not a broker, broker-dealer, investment advisor, money transmitter, or regulated financial entity under any jurisdiction’s law.

3.3 No Investment Advice

Nothing in the Service constitutes: investment advice, a buy/sell recommendation, financial planning, tax or legal advice, or an offer or solicitation to enter into real-world financial transactions. You MUST seek independent professional, legal, and tax advice before any real-world trading or investment decision.

3.4 Simulated Results Are NOT Representative

Past performance (simulated or actual) is NOT indicative of future results. Simulated trading results have inherent limitations:

(a) hindsight bias and optimization based on known historical data;

(b) absence of real-world slippage, partial fills, liquidity constraints, and market impact;

(c) ability to trade outside normal market hours;

(d) absence of psychological and emotional pressures;

(e) perfect order execution assumptions;

(f) potential data delays or inaccuracies; and

(g) no account for commissions, spreads, borrowing costs, or fees that would reduce real-world returns.

A profitable simulated portfolio does not guarantee real-world profitability. Losses in simulation do not preclude real-world gains. Simulated results are for educational purposes only and should never be used to justify real trading.

DO NOT use the Service to make, validate, justify, or execute real-world trades. Do NOT rely on simulated results as evidence that a strategy will be profitable in real trading. Your reliance on simulated trading to make real investment decisions is entirely at your own risk and constitutes a breach of these Terms.

4. Subscriptions, Trials & Billing

4.1 Trial Period

Upon initial signup, you receive a 7-day free trial of the Service. No credit card is required to start the Trial. During the Trial, you may access features designated as available to Trial users at no cost. Trial access is limited to the features and data shown during signup.

For purposes of these Terms, Day 1 of the Trial is the calendar day on which you complete signup, calculated in UTC. The Trial ends at 23:59 UTC on Day 7. If you do not cancel your Trial before this time, your payment method on file will be charged the monthly price of the Plan you selected during signup. Your Subscription will commence immediately, and you will be billed monthly on the same date each month until you cancel. To avoid the first charge, you MUST submit a cancellation request before 23:59 UTC on Day 7. Cancellation submitted on Day 8 or later will not prevent the first charge.

4.2 Paid Plans & Pricing

CleaRank offers the following Paid Plans: Pro (USD $29 per month) and Ultra (USD $59 per month). Each Plan renews automatically on each monthly anniversary until cancelled. Pricing is displayed in United States Dollars (USD).

All prices are exclusive of any applicable VAT, GST, sales tax, or other indirect taxes, which will be added at checkout where required by the law of your jurisdiction. You are responsible for any taxes, levies, duties, or similar governmental assessments associated with your Subscription.

All charges are final and non-refundable except as provided in Section 4.5. CleaRank reserves the right to change Plan pricing with 30 days’ advance notice.

4.3 Billing and Payment

Billing is processed by our third-party payment processor PayMe (paid.co.il). By providing payment information, you authorize CleaRank and its payment processor to charge your payment method (credit card, debit card, bank account, or other payment instrument) on a recurring monthly basis. You are responsible for providing accurate, current, and complete billing information. CleaRank may correct billing errors without liability. Billing disputes must be raised with your payment processor.

If a charge fails, CleaRank may retry collection. If charges fail for 30 consecutive days, CleaRank may suspend or terminate your Account without notice. You remain responsible for all charges incurred.

4.4 Plan Changes

You may upgrade, downgrade, or switch Plans anytime via Account Settings. Upgrades take effect immediately. The new Plan price is effective immediately, and you will be charged the prorated difference for the remainder of the current billing cycle. If the new Plan costs less, no refund is issued; the credit is applied toward future billing periods. Downgrades take effect at the start of your next billing cycle. No refund is issued for mid-cycle downgrades.

4.5 Cancellation, Refunds & Statutory Withdrawal Rights

Cancellation. You may cancel your Subscription anytime via Account Settings → Billing or by emailing info@clearank.com with your request. Cancellation requests are processed within 24 business hours. Cancellation takes effect at the end of your current billing period; you will retain full access until then. You will not be charged for the next billing cycle.

Discretionary refund window. Full refunds are available within 14 days of your first paid charge. To request a refund, contact info@clearank.com within 14 days of the first charge date. After 14 days, all sales are final, and no refunds are issued.

Statutory withdrawal rights — EU and UK consumers. If you are a consumer ordinarily resident in the European Union or the United Kingdom, you have a statutory right to withdraw from this contract within 14 days of its conclusion under the EU Consumer Rights Directive (2011/83/EU) and the U.K. Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, without giving any reason. By starting to use the Service during this period, you expressly request that CleaRank begin performance immediately and you acknowledge that you will lose your right of withdrawal once the Service has been fully performed during the 14-day period. Where you have used the Service in part during the 14-day period and validly withdraw, CleaRank may charge a proportionate amount for what has been supplied, and refund the balance.

To exercise your withdrawal right, send an unequivocal statement to info@clearank.com before the 14-day period expires.

5. Acceptable Use

You agree not to use the Service in violation of law or third-party rights. Specifically, you agree NOT to:

1. Reverse-engineer, decompile, disassemble, decode, or attempt to derive source code, algorithms, formulas, methodologies, AI models, machine learning systems, or proprietary technical information.
2. Scrape, crawl, spider, harvest, or bulk-download data, content, API responses, market quotes, historical prices, or User Content.
3. Share your Account login credentials with others or allow unauthorized access.
4. Use the Service to harm, defame, threaten, stalk, harass, bully, or defraud any person or entity.
5. Use the Service to make real-world trading decisions without independent verification and professional consultation.
6. Post defamatory, libelous, obscene, sexually explicit, violent, or otherwise unlawful content.
7. Circumvent, bypass, disable, or attempt to disable tier-gating or access controls.
8. Abuse AI features to generate unlawful, defamatory, sexually explicit, or misleading content.
9. Interfere with the Service via denial-of-service, malware, excessive requests, or other malicious means.

Violations may result in immediate Account termination without refund, legal action, and liability for damages.

6. User Content

You retain ownership of User Content. By posting, you grant CleaRank a limited, royalty-free, sublicensable license to use it to operate the Service and provide features you have enabled (including sharing if you make content public).

Your private journal entries, trades, and portfolios will not be shared or sold without consent, except as required by law. You are responsible for the accuracy and legality of User Content.

CleaRank may remove User Content that violates these Terms, is defamatory, unlawful, or infringes third-party rights.

7. Intellectual Property

All intellectual property in the Service — software, source code, design, algorithms, AI models, methodologies, and content — is owned by CleaRank Ltd and protected by copyright, trademark, patent, and trade secret law.

“CleaRank” and all related marks are CleaRank trademarks. You may not use them without permission.

Your license is limited, revocable, personal, and non-exclusive. You receive no ownership rights and may not sublicense, sell, transfer, or modify the Service.

Any feedback you provide may be used by CleaRank for any purpose without compensation.

8. Copyright Complaints

CleaRank respects the intellectual property rights of others and expects users to do the same. If you believe that any content available through the Service infringes a copyright you own or control, you may submit a written notice to:

CleaRank Ltd — Copyright Complaints Beni Berman 2, Netanya 4249330, Israel Email: info@clearank.com (subject line: “Copyright Complaint”)

Your notice must contain at minimum:

1. Identification of the copyrighted work claimed to have been infringed;
2. Identification of the allegedly infringing material, including its location on the Service (URL or sufficient detail to allow CleaRank to find it);
3. Your full name, postal address, telephone number, and email address;
4. A statement that you have a good-faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law;
5. A statement, made under penalty of perjury (or its equivalent under applicable law), that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner’s behalf; and
6. Your physical or electronic signature.

Upon receipt of a valid notice, CleaRank will review the claim and, where appropriate, remove or disable access to the content in question and notify the user who posted it. The affected user may submit a counter-notice in writing to the address above; CleaRank will follow a fair process consistent with applicable law before reinstating any content.

CleaRank reserves the right to terminate the Account of any user who is determined to be a repeat infringer.

9. Privacy

Your use is governed by the Privacy Policy at clearank.com/privacy-policy/.

10. Third-Party Services & Subprocessors

The Service integrates TwelveData (market data), Google Gemini / Vertex AI (AI features), PayMe /Paid.co.il (payments), Cloudflare (CDN/security), and other providers. CleaRank is not responsible for their accuracy, availability, performance, or security.

Market data may be delayed, inaccurate, stale, or incomplete. AI-generated content may contain errors, hallucinations, or false information. You should not rely on either for real-world decisions.

Payment processors are governed by their own terms. CleaRank is not liable for payment failures, disputes, chargebacks, fraud, or security breaches by third parties.

11. Disclaimers & Warranties

AS-IS, AS-AVAILABLE: The Service is provided without any representation or warranty of any kind.

NO WARRANTIES: CleaRank disclaims all warranties of merchantability, fitness for purpose, non-infringement, accuracy, completeness, uninterrupted operation, security, and profitability.

The Service may be unavailable, contain errors, lose data, or perform unexpectedly. You use it at your own risk.

12. Limitation of Liability

LIMITATION: CleaRank’s total liability is limited to the lesser of: (a) fees paid in the 12 months before the claim, or (b) USD $500.

EXCLUDED DAMAGES: CleaRank is not liable for indirect, consequential, special, punitive, lost profits, lost data, lost business, or similar damages, regardless of cause.

Mandatory rights preserved. Nothing in these Terms excludes or limits liability for: (i) death or personal injury caused by negligence; (ii) fraud or fraudulent misrepresentation; or (iii) any other liability that cannot lawfully be excluded or limited under applicable law. If you are a consumer, your statutory rights are not affected.

13. Indemnification

You agree to indemnify and hold harmless CleaRank from claims arising from:

1. Your use in violation of these Terms or law.
2. Your User Content infringing third-party rights.
3. Your breach of these Terms.

This does not apply to claims arising solely from CleaRank’s negligence or willful misconduct.

14. Term & Termination

14.1 Term

These Terms begin on your first access and continue until terminated.

14.2 Termination by You

You may terminate anytime via Account Settings or email info@clearank.com.

14.3 Termination by CleaRank

CleaRank may terminate for material breach (14 days’ notice) or severe breach/fraud (immediate).

14.4 Data Deletion & Export

Upon termination, data may be deleted. Request export within 30 days at no cost.

14.5 Surviving Sections

Sections 2, 3, 6, 7, 8, 11, 12, 13, 16, 17, 19, 20, 22, 23, 24, and 25 survive indefinitely.

15. Modifications to Terms

CleaRank may modify these Terms anytime. For material changes, 30 days’ advance notice is provided via email and in-app. Continued use constitutes acceptance.

You may cancel within 30 days of material changes if you do not accept.

16. Governing Law & Consumer Protections

These Terms are governed by the laws of the State of Israel without regard to conflict-of-law principles. CleaRank’s processing of personal data is additionally subject to the Israeli Privacy Protection Law 5741-1981 and the Privacy Protection (Data Security) Regulations 5777-2017, in addition to the GDPR and other applicable laws as set out in the Privacy Policy.

If you are a consumer in the European Union, the United Kingdom, or California, mandatory consumer protections under your local law apply and cannot be waived. Where a provision of these Terms conflicts with such mandatory consumer protections, the protective local law applies.

17. Dispute Resolution & Arbitration

17.1 Negotiation

Before arbitration, the parties shall attempt in good faith to resolve any dispute by direct negotiation for a period of 30 days. Send a written dispute notice to info@clearank.com.

17.2 Binding Arbitration

Subject to Section 17.4, any dispute, controversy, or claim arising out of or relating to these Terms or the Service, including the validity, scope, or applicability of this arbitration clause, that is not resolved by negotiation shall be finally resolved by binding individual arbitration administered by the Israeli Institute of Commercial Arbitration (Ha-Pi”v / הפי״ב) under its arbitration rules in force at the time of the request for arbitration. The seat of arbitration shall be Tel Aviv, Israel. The language of the arbitration shall be English unless the parties agree otherwise. The arbitral award shall be final and binding on the parties.

17.3 Class-Action Waiver

To the maximum extent permitted by applicable law, all disputes shall be resolved on an individual basis. Class actions, class arbitrations, and collective or representative proceedings are waived. This waiver does not apply to consumers in the European Union, the United Kingdom, California, or any other jurisdiction whose law prohibits the waiver of class or collective relief; in those jurisdictions, your statutory right to participate in collective proceedings is preserved.

17.4 Exceptions

Notwithstanding Section 17.2, either party may bring an action in a competent court for: (a) injunctive or equitable relief to protect intellectual property rights; (b) claims that fall within the jurisdictional limit of small-claims (or equivalent) courts in the consumer’s place of residence; or (c) any matter that, under applicable law, may not be submitted to arbitration.

18. Force Majeure

Neither party is liable for failure due to circumstances beyond its reasonable control (including war, natural disasters, pandemics, government action, internet outages, and large-scale third-party service failures).

19. Severability

If any provision is invalid, it shall be modified minimally to be valid, or if not possible, severed. Remaining provisions remain in force.

20. No Waiver

CleaRank’s failure to enforce any right does not constitute a waiver.

21. Entire Agreement

These Terms, the Privacy Policy, the Cookie Policy, the Accessibility Statement, and any plan-specific terms constitute the entire agreement and supersede all prior negotiations.

22. Assignment

You may not assign your Account or rights under these Terms without CleaRank’s prior written consent. Any attempted assignment without consent is void.

CleaRank may assign these Terms in connection with a merger, acquisition, or sale of assets, with prior notice to you.

23. Notices

Notices to you are sent via email or in-app notification. Notices to CleaRank go to info@clearank.com.

For formal legal notices: CleaRank Ltd, Company No. 329591143, Beni Berman 2, Netanya 4249330, Israel — Attn: Legal.

24. Contact Information

CleaRank Ltd (Company No. 329591143) Email: info@clearank.com Website: clearank.com Dashboard: trade.clearank.com Postal address: Beni Berman 2, Netanya 4249330, Israel

Response time: within 5 business days.

25. Risk Acknowledgment

Trading and investing carry significant risk of total loss. Simulated results are not representative of real trading results. You acknowledge that the Service is for paper-trading and educational purposes only, that simulated outcomes have no bearing on real-world investment outcomes, and that you bear sole responsibility for any real-world investment decisions you make, however informed by the Service. Nothing in this Section limits any liability that cannot lawfully be excluded under Section 12.

Thank you for using CleaRank. These Terms are effective and binding upon your first use of the Service.