Terms of Service & EULA

1. Acceptance

By creating an account, downloading, or using the Falk Trading app or website (together, the “Service”), you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service. The Service is operated by Muntean Holding AS (“we”, “us”), a company registered in Norway.

2. Not investment advice — please read

Falk Trading is provided for informational and educational purposes only and does not constitute investment, financial, legal or tax advice. Muntean Holding AS is not a broker-dealer, investment adviser, or financial institution, is not registered with any securities regulator, and does not provide personalised recommendations or manage money on your behalf.

• Agent “Findings”, scores, research, chat answers and any other content are automated analysis and opinions, not recommendations to buy, sell or hold any security.
• We do not execute trades and the Service does not place orders.
• Investing involves risk, including the possible loss of principal. Past performance and any track record shown are not a guarantee of, and do not predict, future results.
• Market data may be delayed, incomplete or inaccurate. You are solely responsible for your own investment decisions and should consult a qualified, licensed professional before acting.

3. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. By using it, you represent that you meet these requirements and that your use complies with the laws of your jurisdiction.

4. Licence

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to download and use the Service for your own non-commercial use on devices you own or control. We reserve all rights not expressly granted.

5. Accounts & security

You are responsible for safeguarding your account credentials and for all activity under your account. Notify us promptly of any unauthorised use. We may suspend or terminate accounts that violate these Terms.

6. Subscriptions, billing & trials

• Falk Pro is an auto-renewing subscription. Pricing and billing period are shown in the App before you purchase.
• Payment is charged to your Apple App Store or Google Play account at confirmation of purchase.
• Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel renewal in your App Store or Google Play account settings.
• Free trials (if offered) convert to a paid subscription unless cancelled before the trial ends. Any unused portion of a free trial is forfeited when you purchase a subscription.
• Refunds are handled by Apple or Google under their policies; we generally cannot issue store refunds directly.
• We may change pricing or features on a prospective basis, with notice where required.

7. Bring-your-own-key (BYOK)

You may connect your own third-party AI provider API key. If you do, you are responsible for that key, for compliance with the provider’s terms, and for any usage costs the provider charges you. We use the key only to make requests on your behalf and store it in encrypted form; you can remove it at any time.

8. Acceptable use

You agree not to:

• Reverse engineer, decompile, scrape, or attempt to extract source code or data except as permitted by law;
• Resell, redistribute, or commercially exploit the Service or its content (including Findings and research) without our written permission;
• Use the Service to break the law, infringe rights, or manipulate markets;
• Interfere with, overload, or disrupt the Service or its security;
• Use automated means to access the Service except as expressly permitted.

9. Intellectual property

The Service, including its software, design, text, the Falk Trading name and logo, and all content we provide, is owned by Muntean Holding AS or our licensors and is protected by intellectual-property laws. These Terms do not transfer any ownership to you.

10. Third-party services & data

The Service relies on third parties (for example cloud hosting, AI providers, market-data and news providers, and app-store billing). Their content and availability are provided “as is”, may be delayed or interrupted, and are subject to their own terms. We are not responsible for third-party services.

11. Disclaimer of warranties

The Service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or that any content, score, or research will be accurate, complete, timely, or profitable.

12. Limitation of liability

To the maximum extent permitted by law, Muntean Holding AS and its officers, employees and suppliers will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, trading losses, data, or goodwill, arising from or related to your use of (or inability to use) the Service. To the maximum extent permitted by law, our total liability for any claim relating to the Service will not exceed the greater of the amount you paid us for the Service in the 12 months before the claim, or EUR 50. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; nothing in these Terms limits liability that cannot be limited by law.

13. Indemnification

You agree to indemnify and hold Muntean Holding AS harmless from claims, losses and expenses (including reasonable legal fees) arising from your misuse of the Service, your violation of these Terms, or your violation of any law or third-party right.

14. Termination

You may stop using the Service at any time. We may suspend or terminate your access if you breach these Terms or if we discontinue the Service. Sections that by their nature should survive termination (including Sections 2, 9, 11–13, 16) will survive.

15. Changes to the Service & Terms

We may modify the Service or these Terms. For material changes we will update the “Last updated” date and provide notice in the App or by email. Continued use after changes take effect means you accept the updated Terms.

16. Governing law & disputes

These Terms are governed by the laws of Norway, without regard to conflict-of-laws rules. The courts of Norway will have jurisdiction over disputes, subject to any mandatory consumer-protection rights you have in your country of residence.

17. App-store terms (Apple & Google)

These Terms are between you and Muntean Holding AS only, not with Apple or Google. To the extent you obtained the App through the Apple App Store, you acknowledge that:

• Apple has no obligation to provide maintenance or support for the App;
• Apple is not responsible for any product warranties, claims, or liability relating to the App, and any qualifying refund of the purchase price is Apple’s sole warranty responsibility;
• Apple is not responsible for addressing claims by you or third parties relating to the App, including product-liability, legal/regulatory, or intellectual-property claims;
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

If you obtained the App through Google Play, your use is also subject to the Google Play Terms of Service, and Google is not responsible for the App or its content.

18. Miscellaneous

If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service.

19. Contact

Questions about these Terms? Email support@illebra.app or write to Muntean Holding AS, Norway.