Terms of Service

The agreement between you and Trading Hub.

1. What this is

Trading Hub ("the Service") is a static-JS web application providing factor-based scoring, regime-aware forecasting, and educational research about publicly traded instruments. It is operated by Kadeem Yearwood as a personal research workstation, deployed at trading-hub.kylifehub.com.

2. Not investment advice

Outputs from the Service — including scores, forecasts, tier ratings, expected-move cones, alerts, playbooks, and synthesised recommendations — are research artefacts, not recommendations. They are generated by deterministic algorithms and large-language-model assistance, both of which can produce incorrect, incomplete, or misleading results.

Specifically:

• The Service is not a registered broker-dealer, investment adviser, or financial planner.
• Nothing in the Service constitutes a solicitation to buy or sell any security.
• Past performance, backtests, walk-forward studies, and calibration scoreboards do not guarantee future results.
• You alone are responsible for any trading or investment decisions you make.

3. Acceptable use

You agree not to:

• Use the Service in any way that violates applicable laws (including securities laws, market-manipulation laws, and sanctions).
• Attempt to overwhelm the Service via excessive automated requests (rate limits enforced).
• Reverse-engineer, decompile, or attempt to extract proprietary models or weights — though most code is open source for transparency.
• Misrepresent Service outputs as professional advice or as content authored by anyone other than you.

4. Data feeds

The Service relies on external data feeds (CoinGecko, Yahoo Finance, FRED, SEC EDGAR, FDA, EIA, IMF, DeFi-Llama, Tradier, Binance Futures, COT, Coinbase Exchange). These are subject to their own terms; the Service makes a best-effort attempt to surface freshness and conflict signals (per Trust §4).

5. Privacy

See the Privacy Policy. Short version: client-side static-JS app; data stored in your browser's IndexedDB; no server-side accounts; AI features (when enabled) call Claude API via /api/ai-query — input is logged for usage metering, not for training.

6. AI outputs

AI-assisted features (commentary, plain-English translation, counter-thesis, decision replay, daily newsletter) use Anthropic Claude. Per Trust commitment 1, every AI claim is decomposable to its source. Hallucinations are still possible — verify critical claims independently. Per Bible §15.115 we attempt to verify cited URLs; failed verifications are flagged inline.

7. No warranty

The Service is provided "as is" and "as available." We disclaim all warranties to the maximum extent permitted by law, including merchantability, fitness for a particular purpose, and non-infringement.

8. Limitation of liability

To the maximum extent permitted by law, the Service, its operator, and contributors are not liable for any indirect, incidental, consequential, special, or exemplary damages — including lost profits, lost data, or lost trading opportunities — arising from your use of the Service.

9. Changes

Material changes to these Terms will be announced 30 days in advance via /changelog and via the cache-version bump in the service worker. Continued use after the effective date constitutes acceptance.

10. Contact

Questions, disputes, or responsible-disclosure reports: kadeem.yearwood@gmail.com (security: see /.well-known/security.txt).

11. Governing law

These Terms are governed by the laws of the State of New York, USA, without regard to conflict-of-laws principles. Disputes are resolved in good faith first; failing that, in the courts of New York County.

Last reviewed: 2026-04-26 · Per Bible §15.136 · Effective version: 1.0