Company Policy, Terms of Service & Legal Compliance

2.1 Acceptance of Terms

By registering, accessing, or using the TradeFinlytix platform in any capacity, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, our Privacy Policy, and any additional policies published by TradeFinlytix. If you do not agree, you must immediately cease use of the platform.

2.2 Eligibility

• Be at least 18 years of age.
• Be legally capable of entering binding contracts under Pakistani law.
• Not be barred from accessing financial services by any regulatory authority.
• Use the platform solely for lawful purposes.

2.3 Account Registration & Security

Users are responsible for providing accurate registration information, maintaining credential confidentiality, all activity under their account, and immediately notifying TradeFinlytix of unauthorized access at support@tradefinlytix.com.

2.4 Prohibited Conduct

• Reverse-engineering, decompiling, or attempting to access platform source code.
• Scraping, harvesting, or bulk-downloading data using unauthorized automated means.
• Using AI-generated signals as the sole basis for high-volume automated trading.
• Reselling, redistributing, or sublicensing platform outputs without written authorization.
• Uploading false, misleading, or malicious content.
• Engaging in market manipulation, insider trading, or activity prohibited under Pakistani securities law.

4.1 Data Collection

• Identity Data: name and email address.
• Credentials: hashed password, never stored in plaintext.
• Usage Data: feature usage, watchlists, and query history.
• Technical Data: IP address, browser type, and device type.

4.2 Data We Do Not Collect

TradeFinlytix does not collect CNIC or national identity numbers, bank account or brokerage credentials, payment card details, biometric data, or minors' data.

4.3 Legal Basis for Processing

• Contract performance for delivering subscribed services.
• Legitimate interests for security, fraud prevention, and product improvement.
• Legal obligations under Pakistani law and regulatory requirements.
• Consent for optional marketing communications.

4.4 Data Retention

Account data is retained for the duration of an active subscription plus 12 months after account closure, after which it is securely deleted or anonymized. Usage logs are retained for 6 months. Anonymized aggregate analytics may be retained indefinitely.

4.5 User Rights

Users may request access, rectification, erasure, portability, or object to processing based on legitimate interests by contacting privacy@tradefinlytix.com.

5.1 Securities & Exchange Commission of Pakistan (SECP)

TradeFinlytix operates as an analytics technology platform and not as a regulated entity under the Securities Act, 2015 or Companies Act, 2017. Platform outputs are labeled as AI-generated decision-support tools, and TradeFinlytix does not act as a broker, dealer, investment advisor, or collective investment scheme.

5.2 Pakistan Stock Exchange (PSX) Data Usage Policy

TradeFinlytix uses PSX market data for internal model training and display purposes in accordance with PSX data dissemination policies. Users may not extract and redistribute raw market data obtained through the platform.

5.3 Prevention of Electronic Crimes Act, 2016 (PECA)

Unauthorized access, disruption, data breaches, identity fraud, cyberfraud, or use of the platform to spread false financial information may result in immediate termination and reporting to the FIA Cyber Crime Wing.

5.4 State Bank of Pakistan (SBP) Regulations

TradeFinlytix does not hold, transfer, or process user funds. Subscription payments are handled by compliant payment processors, and SBP-published macro data may be used as model inputs.

5.5 Personal Data Protection Bill / Draft Framework

TradeFinlytix aligns its data practices with lawfulness, fairness, transparency, purpose limitation, data minimization, accuracy, storage limitation, integrity, and confidentiality principles.

5.6 AML & CFT

TradeFinlytix does not process financial transactions between users or hold user funds. It will not knowingly provide services to sanctioned or watch-listed entities and may terminate accounts suspected of illegal financial activity.

7.1 Billing

Subscriptions are billed monthly or annually as selected at sign-up. Prices are displayed in Pakistani Rupees inclusive of applicable taxes. TradeFinlytix may revise pricing with 30 days advance notice to active subscribers.

7.2 Refund Policy

• New subscribers may request a full refund within 7 calendar days if they have not materially used the platform.
• Renewal refund requests must be made within 3 days of the renewal charge.
• No refunds are issued for partial months, downgrades, or accounts terminated for Terms of Service violations.
• Enterprise contracts are governed by separate agreement terms.

7.3 Account Termination

TradeFinlytix may suspend or terminate accounts for Terms violations, fraud, abuse, non-payment, or legal/regulatory requirement. Upon termination, access is revoked and data is handled according to Section 4.4.