Terms and Conditions

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and A&G Consultants LLC ("Company," "we," "us," or "our"), governing your access to and use of Average Joe Trades (the "Service" or "Website").

By accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Service.

Effective Date: January 21, 2026

2. Nature of the Service

Average Joe Trades is a personal trading journal and portfolio tracking tool provided solely for entertainment, educational, and personal hobby purposes. The Service allows users to:

• Manually log and track stock and options trades
• Import transaction history from supported brokerages
• Connect to third-party services (such as SnapTrade) for data synchronization
• View analytics and performance metrics based on user-provided data

THE SERVICE IS NOT:

• A registered investment advisor or broker-dealer
• A provider of financial, investment, tax, or legal advice
• A trading platform or execution service
• A fiduciary or financial planning service

3. No Financial Advice Disclaimer

THE CONTENT, DATA, ANALYTICS, AND ANY OTHER INFORMATION PROVIDED THROUGH THE SERVICE ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND DO NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, LEGAL, OR OTHER PROFESSIONAL ADVICE.

You acknowledge and agree that:

• Any trading decisions you make are made solely at your own discretion and risk
• The Company does not recommend, endorse, or advise on any securities, investment strategies, or trading decisions
• Past performance shown in the Service does not guarantee future results
• You should consult with qualified financial, tax, and legal professionals before making any investment decisions
• The analytics and metrics displayed are based solely on user-provided data and may contain errors or inaccuracies

4. Third-Party Integrations and Brokerage Connections

The Service may offer integrations with third-party services, including but not limited to SnapTrade, for the purpose of synchronizing brokerage account data. By using these integrations, you acknowledge and agree that:

• You voluntarily choose to connect your brokerage account(s) and understand the implications of sharing such data
• The Company is not responsible for the security, availability, or accuracy of third-party services
• Third-party services are governed by their own terms of service and privacy policies, which you should review independently
• The Company makes no warranties regarding the functionality, reliability, or security of third-party integrations
• Any issues arising from third-party services, including data breaches, service interruptions, or inaccurate data, are not the responsibility of the Company
• You are solely responsible for maintaining the security of your brokerage account credentials and authorizations

5. User Data and Privacy

By using the Service, you acknowledge that:

• You voluntarily provide personal and financial data to the Service
• The accuracy and completeness of data you provide is your sole responsibility
• You have read and understood our Privacy Policy
• While we implement reasonable security measures, no system is completely secure, and you use the Service at your own risk
• The Company is not liable for any unauthorized access to your data resulting from factors outside our reasonable control

6. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE
• THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT
• THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES
• THE COMPANY SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO TRADING LOSSES, INVESTMENT DECISIONS, OR RELIANCE ON ANY INFORMATION PROVIDED BY THE SERVICE
• IN NO EVENT SHALL THE COMPANY'S TOTAL LIABILITY EXCEED THE AMOUNT YOU HAVE PAID TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS LESS

7. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of any third party
• Any trading or investment decisions you make
• Any data you provide to the Service
• Your use of third-party integrations or brokerage connections

8. Assumption of Risk

You expressly acknowledge and agree that:

• Trading securities involves substantial risk of loss and is not suitable for all investors
• You are solely responsible for any and all trading decisions and their outcomes
• The Company has no control over and assumes no responsibility for your trading activities
• You assume full responsibility for all risks associated with using the Service and connecting third-party services

9. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, with the arbitration taking place in Los Angeles County, California.

10. Modifications to Terms

The Company reserves the right to modify these Terms at any time. We will provide notice of material changes by updating the "Last updated" date at the top of this page. Your continued use of the Service after such modifications constitutes your acceptance of the updated Terms.

11. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements and understandings, whether written or oral.

13. Contact Information

If you have any questions about these Terms, please contact us: