Terms of Service

1. Acceptance of Terms

By using Options Wheel Trader ("the Service"), you agree to these Terms of Service. If you do not agree, please do not use the Service.

2. Description of Service

Options Wheel Trader is a web-based application operated by Onwardium. It provides tools for tracking, analyzing, and managing options trading activities, including portfolio management, trade logging, performance analytics, and educational resources.

3. Not Financial Advice

Important Disclaimer: Options Wheel Trader does not provide financial, investment, tax, or legal advice. The Service is for educational and informational purposes only. Any information, analysis, or suggestions provided by the Service — including AI-generated responses — should not be taken as recommendations to buy, sell, or hold securities. Options trading involves significant risk and may not be suitable for all investors. Always consult a qualified financial advisor before making investment decisions.

4. User Responsibilities

As a user, you agree to:

• Provide accurate and complete information when creating an account.
• Keep your account credentials secure.
• Use the Service only for lawful purposes.
• Not attempt to access other users' accounts or data.
• Not use the Service to transmit harmful code or content.
• Independently verify all trade data and calculations.

5. Data Accuracy

We strive to provide accurate calculations and data, but errors may occur. You are responsible for verifying all information, including:

• Trade data and history
• Profit and loss calculations
• Tax-related information
• Stock prices and market data

We are not liable for losses or damages resulting from reliance on information provided by the Service.

6. Subscription and Refund Policy

• Subscriptions: Some features require a paid subscription. Subscription terms, pricing, and features are shown at the time of purchase.
• Cancellation: You may cancel your subscription at any time. Your subscription will remain active until the end of the current billing cycle.
• Refunds: Subscription fees are non-refundable. No partial or prorated refunds will be issued for unused time or features.
• Pricing Changes: We may change subscription pricing or plans. Any changes will be communicated in advance and will not affect your current active term.

7. Limitation of Liability

To the fullest extent permitted by law, Onwardium, Options Wheel Trader, and their owners, operators, affiliates, and licensors are not liable for any indirect, incidental, special, consequential, or punitive damages. This includes, but is not limited to:

• Loss of profits or revenue
• Trading losses
• Loss of data
• Business interruption
• Any other financial losses

This limitation applies regardless of the legal theory and even if we have been advised of the possibility of such damages.

8. Account Termination

We may suspend or terminate your account at any time, with or without cause or notice. Reasons may include:

• Violating these Terms of Service
• Fraudulent or illegal activity
• Non-payment of subscription fees
• Extended inactivity

You may delete your account at any time through the Settings page. Upon deletion, your data will be permanently removed from our systems.

9. Intellectual Property

The Service, including its design, features, and content, is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without our written permission.

10. Changes to Terms

We may update these Terms of Service from time to time. We will notify you of material changes by posting the new terms on this page and updating the "Last updated" date. Continued use of the Service after changes means you accept the new terms.

11. Governing Law

These Terms of Service are governed by and interpreted under the laws of Hong Kong, without regard to conflict of law rules.

12. Contact

If you have questions about these Terms of Service, please contact us at: