> ## ⚠️ 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 [End User License Agreement](EULA.md) and the
> [Privacy Policy](PRIVACY.md), which are likewise DRAFTs.

<!-- TODO(lawyer-review): Whole document is a DRAFT. Counsel must review and finalize jurisdiction, governing law, arbitration, liability caps, refund policy, and consumer-protection carve-outs before these Terms are used. -->

# Terms of Service / Terms of Use

This is a working draft of the Terms for the CS2 Arbitrage Bot ("the Software") and any
related purchase, licensing, and support provided by Practical Systems ("we", "us"). It is
**not legal advice** and **must be reviewed by a qualified attorney** before use. By
purchasing, installing, or using the Software you agree to these Terms.

## 1. Eligibility and accounts

You must be of legal age and capacity to enter a contract and to trade digital items in your
jurisdiction. You are responsible for the Steam, CSFloat, and third-party marketplace accounts
you connect and for all activity conducted through them with the Software.

## 2. Software is "AS IS"; no warranty

The Software is provided **"AS IS" and "AS AVAILABLE" without warranty of any kind**, express
or implied, including merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant uninterrupted, error-free, or profitable operation, and we make **no
guarantee of profit**. The Software depends on **unofficial, fragile third-party APIs** that
may change or fail at any time.

<!-- TODO(lawyer-review): Some jurisdictions prohibit excluding implied warranties; add the appropriate consumer carve-out. [LAWYER REVIEW REQUIRED] -->

## 3. Not financial, trading, or tax advice

The Software and all of its outputs (opportunities, estimates, analytics, charts, backtests,
and the Ledger/tax worksheet) are informational only and are **not financial, investment,
brokerage, trading, or tax advice**. You are solely responsible for every trading decision and
its outcome. Simulated or historical performance **does not guarantee future results**.

The Ledger and any tax/cost-basis export are provided as a **worksheet for your accountant** to
help you organize records. They are **not** tax advice, a tax filing, or a representation of
compliance with any jurisdiction's tax rules. You remain solely responsible for verifying the
figures and for your own tax obligations and filings.

<!-- TODO(lawyer-review): Confirm the "no financial/tax advice" framing meets applicable financial-promotion and tax-preparer rules; do not assert regulatory or tax compliance. [LAWYER REVIEW REQUIRED] -->

## 4. Assumption of risk — trading losses AND account bans

You acknowledge and accept that automated and manual trading of skins carries substantial
risk, including:

- **Trading losses** — partial or total loss of capital from mispricing, stale or illiquid
  markets, the 7-day Steam trade hold, failed/unfilled fills, fees, and wallet-locked Steam
  funds; and
- **Account bans / suspensions** — Steam, CSFloat, or any third-party marketplace may
  suspend, ban, restrict, or place holds on your account, and may lock or seize inventory or
  funds, including in response to automation.

You assume all such risk. **We are not liable for trading losses or for account bans,
suspensions, holds, or any resulting loss of inventory or funds**, to the maximum extent
permitted by law.

## 5. Your compliance obligations — Steam Subscriber Agreement and third-party ToS

You are solely responsible for complying with the **Steam Subscriber Agreement** and the
**Terms of Service and API terms of every marketplace/API** you use with the Software
(CSFloat, Skinport, DMarket, Buff163, Bitskins, Waxpeer, CS.MONEY, Pricempire, and others),
as well as all applicable laws, **tax obligations**, and regulations. Compliance with tax and
regulatory requirements is **your responsibility**; the Software does not perform, certify, or
guarantee any such compliance. You must not use the Software for any unlawful, fraudulent, or
ToS-violating purpose.

<!-- TODO(lawyer-review): Do not state regulatory or tax compliance as a fact; keep it framed as user responsibility. Confirm wording against target markets. [LAWYER REVIEW REQUIRED] -->

## 6. Steam Market buying intentionally unsupported

The Software intentionally **does not automate Steam Community Market purchases** because
doing so violates the Steam Subscriber Agreement and risks account bans. You agree not to
modify or use the Software to circumvent this. You bear sole responsibility and risk for any
attempt to do so.

## 7. Simulation default; live mode is your decision

The Software defaults to **simulation (paper trading)**. Live, real-money operation requires
you to deliberately disable simulation, satisfy 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. Operating in live mode is your
decision and your risk, including the risk of financial loss and of account action by Steam or
any third party.

## 8. Licensing, payments, and refunds

Pro features require a valid license, offered as a **one-time perpetual license** (currently
USD $149) or a **monthly subscription** (currently USD $19/month), as described at purchase.
Payments — and applicable VAT/sales tax — are processed by our **Merchant of Record, Polar**.
License terms, billing, renewals, cancellation, and any refund policy are as stated at purchase
and are subject to attorney review. Licenses are personal and non-transferable.

<!-- TODO(lawyer-review): Define the refund policy, subscription auto-renewal and cancellation terms, and any statutory withdrawal/cooling-off rights; reconcile with Polar's checkout and the EULA. [LAWYER REVIEW REQUIRED] -->

[LAWYER REVIEW REQUIRED] — The refund policy and subscription renewal/cancellation terms are
placeholders and must be finalized by counsel and kept consistent across the EULA, this
document, and Polar's checkout.

## 9. Limitation of liability

To the maximum extent permitted by law, our aggregate liability for any claim relating to the
Software or these Terms will not exceed the amount you paid us in the 12 months before the
claim (or USD $0 if you paid nothing). We are not liable for indirect, incidental, special,
consequential, exemplary, or punitive damages.

<!-- TODO(lawyer-review): Liability cap amount and non-excludable-liability carve-outs (death/personal injury, fraud, gross negligence, statutory consumer rights) require counsel. [LAWYER REVIEW REQUIRED] -->

## 10. Indemnification

You agree to indemnify and hold us harmless from claims, losses, and expenses arising out of
your use of the Software, your trading activity, or your breach of these Terms or any
third-party agreement (including the Steam Subscriber Agreement).

<!-- TODO(lawyer-review): Confirm enforceability and scope of the indemnity for consumer use. [LAWYER REVIEW REQUIRED] -->

## 11. Privacy

Your data is handled as described in the [Privacy Policy](PRIVACY.md): the Software is
local-first, opt-in telemetry is off by default, and payments are processed by Polar.

## 12. Changes, termination, governing law

We may update these Terms and the Software; material changes will be communicated reasonably.
We may suspend or terminate access for breach. Governing law and venue to be specified on
attorney review. Sections 2–6 and 9–10 survive termination.

<!-- TODO(lawyer-review): Specify governing law, venue/forum, dispute resolution (including any arbitration agreement and class-action waiver), and the change-notification mechanism. [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).
