A research tool, not a promise about the market.

By accessing or using Copinance, you agree to these Terms and acknowledge the Privacy Policy and Cookie Policy. If you do not agree, do not use the service.

You must be at least 18 and legally able to enter this agreement. If you use Copinance for an organization, you represent that you can bind that organization. During a private pilot, a valid invitation may be required and may not be sold or transferred.

Copinance is an educational research and financial-literacy tool. It is not a broker, dealer, exchange, investment adviser, portfolio manager, fiduciary, tax adviser, or legal adviser. It does not execute, route, recommend, or monitor trades for you.

Market views, scores, scenarios, probabilities, alerts, Coach responses, and “Decision Lens” outputs are general information and model-generated educational material. They are not personalized recommendations, offers, solicitations, guarantees, or a substitute for advice from a qualified professional who understands your circumstances.

Options and securities involve substantial risk, including loss of the entire investment and, for some strategies, losses beyond the initial amount. Past performance, historical relationships, implied probabilities, dealer-positioning estimates, and simulated scenarios do not predict future results.

Financial data may be delayed, estimated, adjusted, incomplete, or wrong. Corporate actions, liquidity, market closures, provider outages, and calculation choices can change a result. Verify prices, contract terms, filings, and events with primary sources and your broker before acting. You alone are responsible for investment decisions and compliance with rules that apply to you.

Coach and some narratives use generative AI. AI can confidently produce inaccurate, outdated, or fabricated statements. A response may omit context, misunderstand an attachment, or fail to reflect current conditions. Inspect the cited evidence and perform independent research.

Do not submit secrets, brokerage credentials, personal financial records, regulated data, or content you lack permission to use. Your selected model provider may process prompts and attachments under its own terms. If you provide an AI API key, you are responsible for the provider account, charges, permissions, and compliance attached to that key.

Sign-in is currently provided through Google. Give accurate account information, keep access to your Google account secure, and promptly report suspected unauthorized use. You are responsible for activity performed through your account unless applicable law says otherwise.

We may restrict, suspend, or deactivate access when reasonably necessary to protect the service or others, investigate misuse, comply with law, or enforce these Terms. You may deactivate your account from Profile & settings. See the Privacy Policy for what deactivation means for retained data.

You may not:

• Use the service unlawfully, fraudulently, or to violate another person’s rights.
• Circumvent access controls, probe or disrupt systems, introduce malicious code, or attempt unauthorized access to accounts, data, models, or infrastructure.
• Scrape, bulk-download, redistribute, resell, or create a competing dataset from the service except where applicable law expressly permits and cannot be waived.
• Reverse engineer the service, remove rights notices, or misuse Copinance branding, except as permitted by mandatory law or a written license.
• Abuse rate limits, automate excessive requests, share invitations improperly, or use the service to manipulate markets or facilitate deceptive trading activity.
• Upload unlawful, infringing, deceptive, dangerous, or privacy-invasive content.

You retain rights in prompts, attachments, and other content you submit. You give Copinance a limited, worldwide, non-exclusive license to host, copy, transmit, and process that content only as needed to operate, secure, and improve the service and comply with law. You represent that you have the necessary rights to submit it.

If you voluntarily provide product feedback, you allow us to use it without restriction or compensation, but this does not transfer ownership of your unrelated content or personal data.

The service, software, interface, branding, and original explanatory material are owned by Copinance or its licensors and protected by intellectual-property laws. Subject to these Terms, we grant you a limited, revocable, non-transferable right to use the service for personal educational purposes.

Market data, company names, trademarks, model outputs, and third-party services may belong to their respective owners and may carry additional restrictions. Links and integrations do not imply endorsement, and third-party services are governed by their own terms.

Copinance may be experimental or offered as a pilot. Features, providers, coverage, limits, and availability may change; the service may be interrupted or discontinued. We do not promise uninterrupted access or that any particular symbol, market, model, or history will remain available.

We may update these Terms. Material changes will be communicated reasonably in advance when required by law. Continued use after the effective date of updated Terms constitutes acceptance where permitted; otherwise, you may stop using the service.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COPINANCE IS PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT. WE DO NOT WARRANT THAT OUTPUT IS CORRECT, COMPLETE, CURRENT, SECURE, OR SUITABLE FOR A TRADE.

Nothing in these Terms excludes a warranty or consumer right that applicable law does not allow us to exclude.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COPINANCE AND ITS CONTRIBUTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, DATA, OPPORTUNITIES, OR GOODWILL; TRADING LOSSES; OR LOSSES CAUSED BY RELIANCE ON DATA OR AI OUTPUT.

Where liability cannot be excluded, aggregate liability arising from the service will not exceed the greater of the amount you paid Copinance in the 12 months before the claim or US$100. This limit does not apply to fraud, willful misconduct, gross negligence, death or personal injury caused by negligence, or any liability that law does not permit us to limit.

Before filing a claim, please contact [email protected] so we can try to resolve it informally. These Terms are governed by the laws of the Republic of Türkiye, without regard to conflict-of-law rules. Courts and enforcement offices in Istanbul have jurisdiction, subject to any mandatory consumer forum or protection available where you live.

If a provision is unenforceable, the remainder stays effective. A failure to enforce a provision is not a waiver. You may not transfer this agreement without our consent; we may transfer it as part of a reorganization, financing, or sale of the service. These Terms, together with referenced policies, are the entire agreement about your use of Copinance.

Questions about these Terms: [email protected]. Privacy requests: [email protected].