TERMS OF USE & RISK DISCLOSURE

Last Updated: October 6, 2026

These Terms of Use and Risk Disclosure (“Terms”) govern your access to and use of the www.captainai.cloud website, products, software, services, and related content operated by Captain Ai FinTech (“Captain AI,” “we,” “us,” or “our”).

By accessing or using our Website or services, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree with these Terms, please do not use our Website or services.

1. About Captain AI

Captain AI provides technology, software, and educational resources relating to algorithmic and automated trading.

Our products may include automated trading systems and Expert Advisors (“EAs”) designed for MetaTrader 5 (MT5), including systems focused on XAUUSD (Gold).

Captain AI provides technology and related information. Nothing provided through our Website should be interpreted as a promise or guarantee of financial performance.

2. No Financial or Investment Advice

Nothing published or provided by Captain AI, including software, documentation, educational material, examples, market commentary, historical data, backtests, performance information, or other content, constitutes:

• Financial advice

• Investment advice

• Trading advice

• Portfolio management

• A recommendation to buy or sell any financial instrument

• A solicitation to enter into any particular trade

• A guarantee of investment performance

You are solely responsible for determining whether any Captain AI product or strategy is appropriate for your individual circumstances.

3. Trading Risk

Trading financial markets involves substantial risk.

Foreign exchange, commodities, CFDs, leveraged products, gold, and other financial instruments may experience significant price movements and can result in substantial losses.

You may lose some or all of your trading capital.

XAUUSD can experience high volatility, rapid price movements, changes in liquidity, spread expansion, slippage, and market gaps.

You should never trade with money that you cannot afford to lose.

4. No Guarantee of Profits

Captain AI does not guarantee:

• Profits

• A specific return

• A specific win rate

• A specific level of drawdown

• Future trading performance

• Continuous profitability

• Protection from losses

• That any strategy will remain profitable under changing market conditions

Past performance does not guarantee future results.

Historical performance, backtests, hypothetical results, simulations, or other performance examples may not reflect actual future trading results.

5. Automated Trading

Automated trading systems execute predefined instructions according to programmed logic and available market conditions.

Actual trading results may differ from historical or simulated results due to factors including:

• Market volatility

• Slippage

• Spread changes

• Liquidity

• Execution speed

• Broker conditions

• Trading-server conditions

• Internet connectivity

• VPS performance

• Market gaps

• Price-feed differences

• Changes in market structure

• Software or technical failures

Captain AI does not guarantee that an automated trading system will execute every trade exactly as expected or that trading results will match backtested or historical results.

6. MetaTrader 5 and Broker Compatibility

Captain AI products may be designed for use with MetaTrader 5 and may require a compatible broker, account type, trading symbol, server configuration, and trading environment.

Captain AI does not control independent brokers, liquidity providers, MetaTrader infrastructure, market conditions, or execution quality.

Before using any automated trading system, you are responsible for verifying compatibility with your broker and trading account.

7. Software and Technical Risks

Software and automated trading systems may experience errors, bugs, compatibility issues, interruptions, delays, or unexpected behavior.

Captain AI does not guarantee that its software or Website will operate continuously, without errors, or without interruption.

You are responsible for maintaining appropriate access to your trading account, trading infrastructure, internet connection, VPS, and other technical requirements necessary for your use of any product.

8. User Responsibility

You are solely responsible for:

• Understanding the risks associated with trading

• Understanding the strategy or system you choose to use

• Selecting your broker

• Selecting your trading account

• Configuring your trading environment

• Determining appropriate risk levels

• Monitoring your trading account

• Maintaining sufficient capital

• Complying with applicable laws and regulations

• Determining whether automated trading is appropriate for you

You should seek independent financial, legal, tax, or professional advice where appropriate.

9. Product and Software Use

Captain AI products and software may be subject to specific licensing conditions, product documentation, purchase terms, or other applicable restrictions.

Unless expressly permitted by Captain AI, you may not:

• Copy or reproduce our software

• Redistribute or resell our products

• Reverse engineer our software

• Modify proprietary software

• Sublicense our products

• Share licensed products with unauthorized users

• Commercially exploit Captain AI proprietary materials
  

10. Intellectual Property

The Captain AI name, logo, branding, website design, software, documentation, graphics, text, systems, concepts, and other proprietary materials are owned by or licensed to Captain Ai FinTech unless otherwise stated.

Unauthorized copying, reproduction, distribution, modification, or commercial use is prohibited to the extent permitted by applicable law.

11. Third-Party Services

Captain AI may use, reference, or link to third-party services, including brokers, payment providers, hosting providers, VPS providers, MetaTrader-related services, analytics platforms, and external websites.

Third-party services operate independently from Captain AI.

We do not control and are not responsible for the availability, performance, security, policies, or actions of independent third parties.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Captain AI and its owners, operators, employees, affiliates, contractors, and service providers shall not be responsible for losses or damages arising from or related to:

• Trading activity

• Trading losses

• Loss of capital

• Market movements

• Broker execution

• Slippage

• Spread changes

• Software errors

• Technical failures

• Internet interruptions

• VPS interruptions

• Data inaccuracies

• Third-party services

• Unauthorized access

• Use or inability to use Captain AI products

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law.

13. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Captain AI, its owners, operators, employees, affiliates, contractors, and service providers from claims, losses, liabilities, costs, or expenses arising from:

• Your misuse of the Website

• Your misuse of Captain AI products

• Your violation of these Terms

• Your violation of applicable law

• Your unauthorized use of our intellectual property
  

14. Website and Service Availability

Captain AI may modify, update, suspend, or discontinue any part of the Website, software, products, or services at any time.

We do not guarantee uninterrupted availability of our Website, servers, software, or related services.

15. Legal and Regulatory Compliance

You are responsible for determining whether you are legally permitted to access and use automated trading software and related services in your jurisdiction.

You must comply with all applicable laws, regulations, tax obligations, broker requirements, and other legal requirements.

Captain AI does not represent that its products or services are available or appropriate in every jurisdiction.

16. Refunds and Purchases

Any refund, cancellation, subscription, licensing, or purchase conditions applicable to a specific Captain AI product will be governed by the terms presented at the time of purchase or within the applicable product documentation.

Nothing in these Terms is intended to remove or restrict any mandatory consumer rights that apply under applicable law.

17. Changes to These Terms

Captain AI may update these Terms from time to time to reflect changes to our services, products, business practices, or applicable legal requirements.

When changes are made, the updated version will be published on this page with a revised “Last Updated” date.

Your continued use of the Website or services after an updated version becomes effective constitutes acceptance of the revised Terms to the extent permitted by applicable law.

18. Governing Law

These Terms shall be governed by the applicable laws of the jurisdiction in which Captain Ai FinTech is legally established, subject to any mandatory legal protections applicable to you.

Governing jurisdiction:

19. Contact Information

If you have questions regarding these Terms, our products, or any risk-related matter, please contact us:

Captain Ai FinTech
Website: www.captainai.cloud
Email: wecare@captainai.cloud


IMPORTANT RISK WARNING

Trading involves substantial risk of loss.

Automated trading does not eliminate market risk. Past performance, backtests, hypothetical results, simulations, and historical examples are not reliable indicators of future performance.

No Captain AI product guarantees profits or protection from losses.

Only trade with capital you can afford to lose.