> ## ⚠️ DRAFT — NOT LEGAL ADVICE
>
> **This template must be reviewed and finalized by a qualified attorney before any
> real-money/public use.** It is a working draft only and does not yet constitute a
> binding agreement. See also the [Terms of Service](TERMS.md) and the
> [Privacy Policy](PRIVACY.md), which are likewise DRAFTs.

<!-- TODO(lawyer-review): Whole document is a DRAFT. Counsel must review jurisdiction, enforceability of each waiver/limitation, consumer-protection carve-outs, and convert this into a binding EULA before sale or public distribution. -->

# End User License Agreement (EULA)

This is a working draft for the CS2 Arbitrage Bot desktop application ("the Software"),
provided by Practical Systems ("we", "us"). It is **not legal advice** and **must be reviewed
by a qualified attorney** before you rely on it. By installing or using the Software you agree
to the terms below.

## 1. License grant

Subject to your compliance with this EULA and, for paid features, a valid license, we grant
you a personal, non-exclusive, non-transferable, revocable license to install and use the
Software on devices you control. A pro license unlocks live trading and pro features; the
free simulation mode is available without a license. You may not redistribute, resell,
sublicense, reverse-engineer (except where that restriction is unenforceable by law), or
remove license-enforcement or safety mechanisms from the Software.

## 2. Licensing tiers and payment

Pro features are available under two tiers, as described at the point of purchase:

- a **one-time perpetual license** (currently listed at **USD $149**), and
- a **monthly subscription** (currently listed at **USD $19/month**).

Prices, tier contents, and availability may change and are as stated at the time of purchase.
Purchases are processed by our **Merchant of Record, Polar**, which handles billing and the
collection/remittance of applicable VAT and sales tax; see the [Privacy Policy](PRIVACY.md)
for how payment data is handled. A license is verified **offline** on your device. Any refund
policy is as stated at purchase and in the [Terms of Service](TERMS.md).

<!-- TODO(lawyer-review): Confirm price presentation, subscription auto-renewal/cancellation disclosures, refund/withdrawal rights (incl. EU/UK consumer law), and the Merchant-of-Record relationship with Polar. [LAWYER REVIEW REQUIRED] -->

[LAWYER REVIEW REQUIRED] — Refund, auto-renewal, and consumer-withdrawal terms for both tiers
must be confirmed by counsel and kept consistent with the Terms of Service and Polar's checkout.

## 3. AS-IS / no warranty

THE SOFTWARE IS PROVIDED **"AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND**,
express or implied, including but not limited to the implied warranties of merchantability,
fitness for a particular purpose, title, and non-infringement. We do not warrant that the
Software will be uninterrupted, error-free, profitable, or that it will detect or execute any
particular trade. The Software relies on **unofficial, undocumented, and fragile third-party
APIs** (CSFloat, Steam, and the read-only price connectors) that can change or break without
notice.

<!-- TODO(lawyer-review): Some jurisdictions do not allow the exclusion of implied warranties; add the appropriate consumer carve-out and survival language. [LAWYER REVIEW REQUIRED] -->

## 4. No financial, trading, or tax advice

The Software is a tool, **not** a financial advisor, broker, fiduciary, or tax preparer.
Nothing it displays — including detected "opportunities", profit estimates, price history,
analytics, backtest results, or the Ledger/tax worksheet — is financial, investment, trading,
or tax advice or a recommendation to buy, hold, or sell anything. All trading decisions are
**solely yours**. Past or simulated results **do not predict or guarantee future results**,
and the Software makes **no guarantee of profit**.

The Ledger and any tax/cost-basis export produce a **worksheet for your accountant** to help
you organize records. They are **not** tax advice, a tax filing, or a representation that any
output is accurate or compliant for your jurisdiction. You are responsible for verifying
figures and for your own tax obligations and filings.

<!-- TODO(lawyer-review): Confirm "no financial/tax advice" framing satisfies applicable financial-promotion and tax-preparer regulations; do not assert tax compliance. [LAWYER REVIEW REQUIRED] -->

## 5. Limitation of liability — trading losses AND account bans

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE FOR:

- **Trading losses** — any loss of capital, profits, value, or opportunity arising from your
  use of the Software, including losses from mispricing, stale prices, float/pattern
  misjudgment, the 7-day Steam trade hold, low liquidity, failed or unfilled orders, or
  wallet-locked Steam funds; and
- **Account bans / suspensions** — any suspension, ban, restriction, trade hold, or loss of
  access to any Steam, CSFloat, or third-party marketplace account, and any inventory or
  funds locked or lost as a result.

Our aggregate liability for any claim relating to the Software will not exceed the amount you
paid us for the Software in the 12 months before the claim (or, if you paid nothing, USD $0).
We are not liable for indirect, incidental, special, consequential, or punitive damages.

<!-- TODO(lawyer-review): Liability cap amount, carve-outs for non-excludable liability (death/personal injury, fraud, gross negligence, statutory consumer rights), and governing-law interaction all require counsel. [LAWYER REVIEW REQUIRED] -->

## 6. Your responsibilities — Steam Subscriber Agreement and third-party ToS

You are solely responsible for complying with all applicable agreements and laws, including
the **Steam Subscriber Agreement** and the **Terms of Service / API terms of every
marketplace and API** you connect (CSFloat, Skinport, DMarket, Buff163, Bitskins, Waxpeer,
CS.MONEY, Pricempire, and any other). You are responsible for the accounts, API keys, and
credentials you supply, for keeping them secure, and for the consequences of automation on
your accounts.

## 7. Steam Market buying is intentionally unsupported

The Software **intentionally does not automate buying on the Steam Community Market** because
automating it violates the Steam Subscriber Agreement and risks an account ban. Steam Market
is used only as a price reference and a manual (you-perform-it) sell venue. Do not attempt to
circumvent this restriction.

## 8. Design, not a guarantee

The noban.gg name and the Software's safety design describe **how the Software is engineered**:
it is built to refuse to automate actions that most often get accounts restricted, including
automated Steam Market buying (Section 7), and it only auto-runs operations rated `auto` in its
capability matrix. This is a statement about the Software's design and behavior. It is **not a
promise, warranty, or guarantee** that your account will not be banned, suspended, restricted,
or otherwise actioned, and it does not control or predict how Valve or any third party enforces
its rules. No tool can guarantee that outcome. Sections 3 (AS-IS / no warranty) and 5
(Limitation of liability) govern, and you accept the risk of account action as described in
Section 9 (Simulation default and live mode) of this Agreement.

<!-- TODO(lawyer-review): Confirm this "design, not a guarantee" framing adequately disclaims any implied no-ban promise from the noban.gg brand and is consistent with the warranty and liability sections. [LAWYER REVIEW REQUIRED] -->

## 9. Simulation default and live mode

The Software defaults to **simulation (paper trading)**: no real money moves and no live
Steam action occurs unless you deliberately disable simulation, pass the backend live-confirm
guard, and hold a valid pro license. The license gate is **additive** — a missing or invalid
license keeps the Software in simulation and can never make it more permissive. **You accept
all risk of operating in live mode**, including the risk of financial loss and of account
action by Steam or any third party.

## 10. Privacy and local-first data

The Software is **local-first**: your trades, license, secrets, and other data stay on your
device. Opt-in telemetry (error monitoring) is **off by default** and, when enabled, scrubs
personally identifying information before any event is sent. See the
[Privacy Policy](PRIVACY.md) for details.

## 11. Updates

The Software may offer updates via its update channel. Updates are not installed silently; you
confirm them. We may modify or discontinue features.

## 12. Termination

This license terminates automatically if you breach it. On termination you must stop using and
delete the Software. Sections 3–9 survive termination.

## 13. Governing law

Governing law and venue to be specified on attorney review.

<!-- TODO(lawyer-review): Specify governing law, venue/forum, and whether arbitration and a class-action waiver apply. [LAWYER REVIEW REQUIRED] -->

[LAWYER REVIEW REQUIRED] — Governing law, venue, and any arbitration/class-action-waiver
clause are unspecified and must be set by counsel for the target market(s).
