PAYDOSSIER_

Terms of Use

PayDossier — operated by Introgy LLC

Effective date: 8 August 2026 Last updated: 8 August 2026

Read this first

PayDossier is analytics about your own past trading. It is not investment advice, it is not a recommendation to buy, sell, or hold anything, and it does not predict results. Sections 6, 7, and 8 explain this, and they matter more than any other part of this document.

We never touch your money. Brokerage access is read-only. Nothing in the Service can place a trade, move cash, transfer securities, or change anything at your broker. We do not take custody of assets, and we are not a broker-dealer, an investment adviser, or a bank.

No stakes, no prizes. Tiers, ratings, streaks, and cards are status and scoreboard only. There is no wagering, no contest of chance or skill for a prize, no pooled money, and nothing of monetary value to be won.

These Terms contain a binding individual arbitration agreement and a class action waiver (section 30). By using PayDossier you agree that most disputes between you and Introgy LLC will be resolved by individual arbitration rather than in court, and that you give up the right to participate in a class, collective, consolidated, or representative action. You may opt out of arbitration within 30 days of first accepting these Terms by emailing support@introgy.ai as described in section 30.7. Opting out costs you nothing and does not affect any other part of these Terms.

These Terms also limit our liability to you (section 28) and disclaim all warranties (section 27).

1. Who we are, and what this document is

PayDossier is a website and digital service operated by Introgy LLC, a Delaware limited liability company ("Introgy," "we," "us," "our"). Our sole contact address for all matters — support, billing, refunds, privacy requests, legal notices, security reports, and intellectual property complaints — is:

support@introgy.ai

These Terms of Use (the "Terms") form a legally binding contract between you and Introgy governing your access to and use of paydossier.com, any subdomain of it, and every page, feature, dataset, output, document, and message we make available through it (together, the "Service").

The Service consists of:

Our Privacy Policy, available at /privacy, is incorporated into these Terms by reference and forms part of your agreement with us. Where we publish a methodology page describing how the rating is computed, it is likewise incorporated by reference for the purpose of describing the limits of the numbers the Service produces, and you should read it before relying on anything the Service tells you.

2. Your acceptance

You accept these Terms — and they become binding on you — when you do any of the following:

  1. access or browse any page of the Service;
  2. run the free estimate;
  3. submit your email address to the founding-season list;
  4. begin or complete a purchase;
  5. connect a brokerage account to the Service; or
  6. open, read, download, print, or otherwise use any rating, dossier, or card the Service produces.

If you do not agree to these Terms in full, do not use the Service. There is no partial acceptance.

If you are accepting these Terms on behalf of a company or other entity, you represent that you have authority to bind that entity, and "you" means that entity. Note that the Service is licensed for personal, individual, non-commercial use only (sections 4 and 19); organizational, advisory, or professional use requires our prior written agreement.

3. Eligibility and territorial scope

3.1 Age. You must be at least 18 years old to use the Service. The Service is not directed to, and may not be used by, anyone under 18. If we learn that a person under 18 has provided us information, we will delete it (see the Privacy Policy).

3.2 United States only. The Service is designed for, offered to, and intended solely for residents of the United States with accounts at United States brokers. The reference research, the benchmark, and the tax-agnostic framing all assume a US retail context. We do not offer the Service in, direct it to, or market it in the European Economic Area, the United Kingdom, Switzerland, or any other jurisdiction outside the United States. If you access the Service from outside the United States you do so on your own initiative and at your own risk, and you are responsible for compliance with your local law.

3.3 Capacity and standing. You represent that you have the legal capacity to enter this contract, that you are not barred from receiving services under applicable United States law, and that you are not located in, organized under the laws of, or ordinarily resident in a country or region subject to comprehensive United States sanctions, and are not listed on any United States government restricted-party list (see section 38).

3.4 Your own account, your own rating. A season pass is sold for the use of one individual, rating the brokerage accounts that individual owns. You may not connect an account you do not own or are not authorized to connect, and you may not buy a pass to rate another person's trading, to rate accounts you manage for others, or for any advisory, recruiting, fund-marketing, prop-desk, or enterprise purpose.

4. What the Service is

The Service does five things and nothing more.

4.1 The free estimate. Six multiple-choice questions about how you trade, answered in your browser. A short script running on your device maps your answers to an archetype label and an estimated rating range, stamped UNVERIFIED — SELF-REPORTED. Your answers are not transmitted to us and are not stored anywhere (see section 5).

4.2 The founding-season list. If you give us an email address, we record it so we can send you one message when the founding season opens (see section 11).

4.3 The Edge Rating. If you buy a season pass and connect a brokerage account read-only, we compute a single signed number — the handicap, expressed in percentage points per year — from the transaction and holdings history your broker makes available through our data provider. In outline: we reconstruct your account's cash-flow-adjusted, time-weighted return; we simulate a counterfactual in which the same amounts of money arrived on the same dates and were invested in a broad US equity index proxy with no further decisions; we take the difference; and we adjust it for the risk actually taken, measured by downside deviation and drawdown. Zero means the market. A positive number means the risk-adjusted result exceeded that blind counterfactual over the period measured; a negative number means it did not.

The rating is placed into one of six fixed bands: EXIT LIQUIDITY (−8 and below), RETAIL (−8 to −3), TAPE READER (−3 to +1), OPERATOR (+1 to +5), EDGE HOLDER (+5 to +10), and THE HOUSE (above +10). The bands are fixed to the number, not to a quota of users, so a tier means the same thing at ten rated accounts as at ten thousand.

Alongside the number, the decomposition reports, in the past tense and descriptively, which measured habits — selection, exit timing, sizing, concentration, and leverage — contributed most to the result, and by how many points.

4.4 The tier card. A shareable image carrying your tier, your rating, category scores, the season, and how many consecutive seasons you have been rated. It carries no dollar figures. Sharing it is entirely your choice.

4.5 The season-end sealed dossier. At the close of each calendar quarter your tier locks for that season and we issue an archived record of the quarter.

That is the entire product. Everything the Service produces is descriptive, backward-looking analytics about activity that already happened in your own account, and it is delivered on that basis alone.

5. The free estimate: what it is and what it is worth

5.1 It is self-reported and unverified. The estimate is computed from six answers you chose about yourself. Nothing checks them. The output is stamped UNVERIFIED — SELF-REPORTED because that is exactly what it is.

5.2 It is a range, and it is illustrative. The estimate is a wide band produced by a simple fixed mapping written into the page. It is not the Edge Rating, it is not computed by the rating engine, it does not use market data, and it carries no statistical claim whatever. Two people who trade identically but answer differently receive different estimates. Do not treat the estimate as a measurement of anything, and do not act on it.

5.3 It runs on your device. The estimator script executes in your browser. Your answers are not sent to us, are not written to our systems, and are not stored on your device after you leave the page. If you afterward join the founding-season list, the archetype label the estimator produced is submitted with your email address so we can see what kind of trader is signing up; your individual answers are not. This is described in the Privacy Policy.

5.4 The archetype names are editorial. Labels such as THE ACCELERANT or THE RETAIL MEDIAN, and their one-line epithets, are deliberate editorial characterizations attached to bands of a crude score. They are expressions of opinion in a house register, not statements of fact about you, your competence, or your results.

6. What the Service is NOT — no professional advice, no professional relationship

6.1 Not investment advice. Nothing the Service produces — no rating, no tier, no percentile, no category score, no line of any decomposition, dossier, card, page, or email — is, or is intended to be, investment advice, financial advice, securities advice, a recommendation or solicitation to buy, sell, or hold any security or other asset, an offer to effect any transaction, tax advice, accounting advice, legal advice, or financial planning. The Service does not opine on the value, advisability, or prospects of any security, strategy, market, or asset class. It describes, arithmetically and after the fact, what already happened in an account you own.

6.2 Not a recommendation to act, or to stop. The decomposition names what past habits cost or contributed in points, in the period measured. It is written in the past tense on purpose. It does not tell you to size differently, exit differently, concentrate less, use less leverage, trade more, trade less, or stop trading, and nothing in it should be read as telling you to do or refrain from doing anything.

6.3 No professional relationship is created. Your use of the Service does not create an adviser-client relationship, a broker-customer relationship, a fiduciary relationship, an attorney-client relationship, an accountant-client relationship, an agency relationship, or any other relationship of trust or confidence between you and Introgy. We do not owe you a duty of care in respect of your trading, your portfolio, your finances, or your risk, and we do not act on your behalf or represent your interests in any dealing with your broker or anyone else.

6.4 We are not registered or licensed as any of these things. Introgy is not a registered investment adviser, an investment adviser representative, a broker-dealer, a futures commission merchant, a commodity trading advisor, a bank, a trust company, a certified public accounting firm, or a law firm, and no person involved in producing the Service is acting in any such licensed capacity when doing so. We do not hold ourselves out as any of these, and you may not represent that we do.

6.5 No custody, no trading authority, no money movement. We never hold, receive, control, or have authority over your securities or cash. The brokerage connection is read-only by design and by scope (section 12). We cannot place, cancel, or modify an order; cannot move, withdraw, or transfer funds or securities; cannot change your account settings; and cannot act on your account in any way.

6.6 Consult a professional. Trading decisions interact with tax law, securities law, your own financial circumstances, your risk tolerance, and your obligations to others in ways this Service does not and cannot evaluate. Before acting on anything connected with the Service, consult a qualified professional licensed in your jurisdiction — a certified public accountant or tax adviser for tax questions, an attorney for legal questions, and an appropriately licensed adviser for investment questions. The Service explains nothing about your tax position and is not built to.

6.7 You decide. Every decision you make about your trading, your positions, your risk, your broker, and your money is your decision alone, made on your own judgment and at your own risk. We are not a party to it.

7. No performance promises; the rating is not a prediction

This section is a material term of your purchase.

7.1 The past only. The rating measures a period that has already ended. Past performance does not indicate or predict future results. Nothing in the Service is a representation, promise, warranty, or assurance that your future trading will resemble your rating, that a high rating will persist, that a low rating will improve, or that anything about your rating tells you what happens next.

7.2 No promise of improvement. We do not represent that using the Service will improve your returns, reduce your losses, raise your rating, change your tier, make you a better trader, or produce any other outcome. No such promise is made anywhere by us, and none should be inferred from any number, tier name, chart, card, headline, or sentence in the Service or in our marketing.

7.3 Not a track record, and not for soliciting anyone. Your rating, tier, card, dossier, percentile, and any figure the Service produces are computed by us for your personal information, using our own methodology, from data we did not audit. They are not an audited or verified track record, not a GIPS-compliant or otherwise standardized performance presentation, not a substitute for account statements, and not suitable for any regulated performance-advertising purpose. You may not use them to solicit, offer, or advertise investment advisory services, fund interests, managed accounts, signal services, courses, or any other investment-related product or service to any other person, and you may not present them to a prospective client, allocator, employer, counterparty, court, tribunal, agency, or arbitrator as a verified record of your results.

7.4 No typical results. We do not publish, and do not claim, typical or average outcomes for users of the Service. Any tier, number, or figure shown in marketing, samples, or illustrations is an example — in most cases a clearly labeled fictional one — and represents nothing about what you or anyone else will experience.

7.5 Trading carries risk of loss. Trading securities and options involves substantial risk, including the risk of losing more than you invest in some option and margin strategies. Nothing in the Service reduces that risk or is designed to. The Service is not a risk-management system, an alert system, a monitoring service, or a safeguard of any kind, and it will not warn you about anything.

8. The rating: what it means, and where it fails

We would rather state the limits ourselves than have you find them.

8.1 It is a model, not a fact about you. The handicap, the tier, the category scores, the decomposition, and the percentile are outputs of a model we designed, with choices we made, applied to a history we received. Reasonable people would design it differently and get different numbers. It is an estimate carrying error, not a measurement of your skill.

8.2 Deterministic and versioned; no AI in the rating path. The rating engine is ordinary, deterministic software. The same inputs produce the same output, every time. No language model, no generative AI, and no automated content generator is used to compute a rating, a tier, a category score, or a decomposition, and your trading data is not sent to any AI provider. Every rating is stamped with an engine version.

8.3 Engine versions change numbers. We correct and improve the engine. A rating computed under a later engine version may differ from one computed earlier for the same history, and we do not undertake to preserve, reproduce, or reconcile the difference between two ratings computed under different versions. The version stamp is how you can tell.

8.4 It depends on data we do not control. The rating is computed from what your broker makes available through our data provider (section 12). Brokers differ in how far back their transaction history reaches, in what they classify a given event as, and in how quickly they report. Some accounts return no transaction history at all. Corporate actions, transfers in of existing positions, cost-basis quirks, and gaps in reported activity can all distort a reconstruction. Where we cannot reconcile a computed account value against what the broker reports, we flag the rating for review rather than publish a number we do not believe.

8.5 Provisional ratings and short histories. A rating computed on a thin history is marked provisional, and it hardens as more measured time accumulates. A provisional rating is a weak statement about a short window and should be read as one.

8.6 The counterfactual is a simplification. The blind index counterfactual assumes your money went into a single broad US equity proxy on the dates it actually arrived, with dividends reinvested and no costs. It is a deliberately simple yardstick, not a claim about what you would have done, could have done, or should have done.

8.7 Cash is not free. Because the rating measures the whole account, money sitting uninvested drags the risk-adjusted result, exactly as it would in reality. Deposits and withdrawals themselves do not create or destroy rating points, but idle cash genuinely affects the number. That is economics, not a defect.

8.8 Options are handled bluntly in version 1. Realized option results come from your actual fills. Open option positions are marked conservatively rather than with a full pricing model, and option leverage is measured by notional exposure rather than by risk-model equivalents. This is documented, imprecise, and expected to improve with engine versions.

8.9 The percentile is research-derived, and labeled as such. Until enough verified ratings exist to rank against a live population, the percentile shown places your rating against a distribution assembled from named, published academic research on retail trading performance, cited on the page where it appears. It compares you to the population those studies measured — a different population, in a different period, measured differently. It is not a rank among PayDossier users. When we switch to a live population, we will say so.

8.10 Weekly, not real-time. Ratings are recomputed on a weekly cycle using end-of-day data. Nothing in the Service is live, real-time, or intraday, and nothing in it is a monitoring or alerting tool.

8.11 Stale connections. If a brokerage connection breaks — which brokers do routinely, and which some brokers force when you connect a different third-party tool — the rating is marked STALE and dated rather than silently updated or deleted. Reconnecting resumes the sync.

8.12 Not a valuation, audit, or certification. Nothing the Service produces is a valuation, appraisal, audit, attestation, certification, or expert opinion of your account, your holdings, your performance, or your skill, and none of it may be presented as such to any person or body.

9. Market data

The Service uses end-of-day market data licensed from a third-party provider to build the counterfactual and the risk measures. We display derived analytics only — ratings, differences, deviations, drawdowns — and never raw price tables or feeds, because redistribution of the underlying data is not licensed to us and not permitted to you. You may not extract, reconstruct, or redistribute market data from the Service. Market data may contain errors, gaps, and late adjustments that we do not detect, and we do not warrant its accuracy.

10. Tiers, labels, and editorial voice

The tier names — EXIT LIQUIDITY, RETAIL, TAPE READER, OPERATOR, EDGE HOLDER, THE HOUSE — and the register in which the Service writes are deliberate editorial characterizations attached to fixed bands of a computed number. They are expressions of opinion. They are not statements of fact about you, your intelligence, your competence, your worth, or your prospects, and they are not statements about your broker, any issuer, or any market participant. The Service makes no statement whatever about any identified company or security.

11. The founding-season list

11.1 What it is. Giving us your email address puts you on a list to receive one message when the founding season opens. It is not a purchase, not a reservation of anything scarce, not a deposit, and not a contract for the Service.

11.2 What we intend. If and when we open the founding season, we intend to offer the founding price to the people on that list. That is our stated intention and we mean it, but it is not a binding offer and creates no entitlement: launch may be delayed, changed, priced differently, limited, or cancelled entirely, and the Service may never launch at all. Nothing about the list obliges you to buy anything.

11.3 What we send. Launch notification and, if you buy, transactional messages about your pass. We do not sell, rent, or share the list, and there is no drip campaign. You can be removed at any time by writing to support@introgy.ai.

12. Connecting a brokerage account

12.1 Read-only, through a specialist provider. Brokerage connections are established and maintained by SnapTrade (Passiv Technologies Inc.), a third-party brokerage-connectivity provider, using read-only access. You authorize the connection through SnapTrade's flow, at your broker or through SnapTrade, and you must accept SnapTrade's own end-user terms as part of that flow. Those terms govern your relationship with SnapTrade and are in addition to these Terms.

12.2 We never receive your broker credentials. Your brokerage username, password, and multi-factor codes are entered with SnapTrade or your broker, never with us. We receive account, holdings, balance, and transaction data through SnapTrade's interface under the read-only scope, and nothing else. The Privacy Policy sets out exactly what that data is.

12.3 Your authority and your broker's rules. You represent that you own or are authorized to connect every account you connect, and that doing so does not breach your agreement with your broker or any obligation you owe to anyone. Your relationship with your broker is entirely between you and your broker, governed by their agreement, and we are not a party to it, do not act for you in it, and have no control over what they permit, provide, or report.

12.4 Broker behavior we cannot control. Some brokers permit only one active third-party connection at a time, so connecting another tool can silently break ours. Some brokers provide no transaction history for certain account types. Some limit how far back history reaches. Some change any of this without notice. None of that is within our control, and none of it is a defect in the Service.

12.5 Disconnecting. You may disconnect at any time, through the Service, through SnapTrade, or at your broker. Disconnection stops future syncing. It does not by itself delete what we already hold — for that, ask us to delete it, and we will (section 33 and the Privacy Policy). Disconnecting mid-season does not entitle you to a refund except as provided in section 16.

12.6 If we cannot rate your account. If no supported broker connection can be established for you, or the history available is too thin to produce even a provisional rating, tell us and we will refund your pass in full, without argument and without regard to the seven-day window in section 16.

13. Accounts and access

A season pass creates lightweight account access tied to the email address verified at checkout, so that your rating, your card, and your dossier can be shown to you on more than one device. Access credentials — sign-in codes, signed links, or session cookies — are yours to protect. Anyone holding a valid link or an open session on your device can see your rating and, where displayed, your account figures. Do not forward links or leave sessions open on devices you do not control. Tell us promptly at support@introgy.ai if you believe your access has been compromised.

14. The season pass: what you buy

14.1 The pass. The season pass is a single one-time digital purchase covering one calendar-quarter season (January–March, April–June, July–September, October–December). The founding season is offered at US$19; thereafter the price is US$29 per season unless otherwise stated at checkout.

14.2 What it buys. For the season it covers: your verified Edge Rating, recomputed weekly while your brokerage connection is live; the decomposition; the tier card; and the season-end sealed dossier for that season.

14.3 Mid-season purchases. A season pass bought part-way through a quarter covers the remainder of that quarter, and it is not pro-rated. Your first rating is computed from whatever trailing history your broker makes available, subject to section 8.4.

14.4 Payment processing. Payments are processed by Stripe, Inc. We do not receive, handle, or store your full card number, security code, or other payment credentials. Your use of Stripe's checkout is subject to Stripe's own terms and privacy policy. You represent that you are authorized to use the payment method you present.

14.5 Currency and taxes. All prices are stated and charged in United States dollars. Prices are exclusive of any sales, use, VAT, GST, or similar taxes, which will be added where we are required to collect them; you are responsible for any tax arising from your purchase other than taxes on our income. Your bank or card issuer may add foreign-transaction or conversion fees, which are between you and them.

14.6 Price changes and testing. We may change prices at any time, and we may run pricing, copy, and layout experiments in which different visitors see different prices or presentations. Any change applies only prospectively. The price shown to you at checkout is the price you pay, and no price change entitles anyone to a retroactive adjustment, credit, or refund of a completed purchase.

14.7 Delivery and immediate performance. Delivery is electronic. You expressly request and consent to immediate performance upon purchase — the connection flow opens and rating begins as soon as your broker data arrives. This does not affect the refund policy in section 16, which we offer voluntarily and which is more generous than immediate-performance rules would require.

15. One-time purchase per season — no subscription, no auto-renewal

A season pass is a single one-time charge. There is no subscription, no recurring billing, no auto-renewal, no trial that converts, and no negative-option feature of any kind. Your pass ends when its season ends, and nothing renews unless you affirmatively buy the next season. We do not store your payment method for future charges. If we ever introduce a recurring product, it will be offered separately, with its recurring nature, price, billing interval, and cancellation method disclosed clearly before purchase and with affirmative consent obtained, as required by applicable law.

16. Refunds

16.1 The policy. Seven days, no questions. If you are dissatisfied with a season pass for any reason, or for no reason, request a refund within seven (7) calendar days of your purchase and we will refund the full purchase price.

16.2 The unsupported-broker refund. Separately, and at any point in the season, if we cannot establish a working connection to a broker you use, or cannot produce even a provisional rating from the history available, we will refund you in full on request (section 12.6).

16.3 How to request one. Reply to your purchase-confirmation email, or write to support@introgy.ai from the address you used at checkout, and ask for a refund. Include enough information to identify the purchase. We will not ask you for a reason, we will not require you to justify the request, and we will not attempt to talk you out of it.

16.4 Timing. We process approved refunds through Stripe promptly, ordinarily within a few business days of the request. The time for the credit to appear on your statement is controlled by your bank or card issuer, not by us.

16.5 Effect of a refund. A full refund terminates your license under section 19 and ends your access for that season. We stop syncing your brokerage data, and you may ask us to delete what we hold.

16.6 After seven days. After the seven-day window we are not obliged to refund except under section 16.2, and other refunds are at our discretion. We will still consider a request made in good faith — write to us. Nothing in this section limits any non-waivable right you have under applicable consumer law.

16.7 Abuse. We may decline a refund, and may decline future service, where we reasonably determine that the refund process is being abused — for example, repeated purchase-and-refund cycles across seasons, or a refund requested in connection with a violation of section 23.

17. Payment disputes and chargebacks

If something is wrong with your purchase, contact us first at support@introgy.ai. Our refund policy is deliberately more generous and far faster than a card dispute, and we would rather refund you than argue with your bank.

Initiating a chargeback or payment dispute without first requesting a refund from us is a breach of these Terms. Where a chargeback is filed, we may suspend access pending resolution, may present these Terms and our purchase and delivery records to the card network, and may decline to provide the Service to you in future. Nothing in this section waives, limits, or is intended to interfere with any right you have under your cardholder agreement or applicable law to dispute a charge; it sets out what we ask of you and what we may do, not what you are forbidden to do.

18. No wagering, no contest, no prize

Ratings, tiers, streaks, seasons, percentiles, and cards are status and scoreboard features only. There is no entry fee for a chance to win anything, no pool, no stake, no wager, no prize, no purse, and nothing of monetary value awarded on the basis of a rating or ranking. The season pass buys analytics about your own account and nothing else. If we ever introduce anything resembling a contest, it will be offered separately with its own rules.

19. Your license to the rating, the dossier, and the card

19.1 Grant. Subject to your compliance with these Terms and full payment, Introgy grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access, view, print, and retain your own rating, decomposition, tier card, and season dossier, and to use them for your own individual, non-commercial, informational purposes.

19.2 What that permits. You may read them, print them, save them, discuss them with your own professional advisers, your immediate family, or your household, and — for the tier card specifically — post or share the card publicly, unmodified, for non-commercial purposes. The card exists to be shown; that is why it carries no dollar figures.

19.3 What that does not permit. You may not, and may not permit anyone else to: resell, sublicense, rent, syndicate, or otherwise commercially exploit any output of the Service; use any output to solicit or advertise investment-related products or services (section 7.3); use it to provide coaching, advisory, signal, or portfolio services to others; incorporate it into any product, dataset, newsletter, course, or service; present it as an audited or verified record; alter a card or dossier and present it as ours; or use any output of the Service to train, fine-tune, evaluate, or develop any machine learning model, or to build or enrich any competing product or dataset.

19.4 Attribution and integrity. You may not remove or obscure any watermark, attribution, engine version stamp, disclaimer, or notice from any material we provide, and you may not present modified content as ours.

19.5 Revocation. This license terminates automatically on refund, at the end of the season it covers (except that you may keep and continue to use copies you have already saved for your own personal reference), or on your material breach of these Terms.

20. Our intellectual property

20.1 Ownership. Introgy owns or licenses all right, title, and interest in the Service, including its software and source code, the rating engine and its methodology, formulas, parameters, and calibrated tier bands, the decomposition scheme, the tier names and classification system, the page design, layout, visual system, imagery, typography, and copy, the card and dossier designs, and the text of every document we publish.

20.2 Public research, private construction. The academic studies underlying the reference distribution are published works of their authors, cited by name wherever used; the market data is licensed from its provider. Our selection, interpolation, modeling, calibration, structuring, and presentation of those materials are our own work and are protected as such. That an underlying source is public or purchasable does not make our construction free to take.

20.3 Marks. "PayDossier," our wordmark, our tier names as used by us, and our logos and visual identity are our trademarks and trade dress, whether or not registered. You may not use them without our prior written permission, except to refer factually and accurately to the Service.

20.4 Reservation. All rights not expressly granted in section 19 are reserved. No right or license is granted by implication, estoppel, or otherwise.

21. Your data, and your responsibility for what you connect

21.1 We do not verify. We take the data your broker reports through SnapTrade as we receive it. We do not audit it, do not confirm it against statements, and cannot detect every gap, misclassification, or error in it. A rating computed from incomplete or mislabeled history is a rating of incomplete or mislabeled history.

21.2 Do not connect what is not yours. You are responsible for having the right to connect every account you connect, and you indemnify us under section 29 for any claim arising from connecting an account you had no right to connect.

21.3 Do not send us what we do not ask for. The Service asks for no government identifiers, no documents, no statements, and no sensitive personal information. Do not send them. If you do, we will delete them.

22. Feedback

If you send us ideas, suggestions, bug reports, or other feedback, you grant Introgy a perpetual, irrevocable, worldwide, royalty-free, fully paid, sublicensable license to use, reproduce, modify, and exploit it for any purpose without obligation, attribution, or compensation to you. Do not send us feedback you consider confidential or in which you wish to retain rights.

23. Acceptable use

You agree not to, and not to attempt to, and not to assist or permit any person to:

  1. access the Service by any automated means — bot, scraper, crawler, headless browser, script, or agent — or otherwise access it other than through the interfaces we provide;
  2. extract, harvest, copy, mirror, index, or systematically retrieve model outputs, market data, page content, or any substantial part of the Service;
  3. use the Service or its output to build, train, fine-tune, evaluate, benchmark, or enrich any dataset, language model, machine learning system, or competing or derivative product or service;
  4. resell, sublicense, or commercially redistribute access to the Service or to any output, or use either to provide services to third parties;
  5. connect, or attempt to connect, any brokerage account you do not own or are not authorized to connect;
  6. manipulate, game, or attempt to inflate a rating, tier, streak, or percentile, including by fabricating or selectively curating account activity, by connecting a throwaway or non-representative account for effect, or by exploiting a defect in the engine;
  7. circumvent, disable, or interfere with payment, entitlement, access-token, expiry, refund, or rate-limit controls, or access any rating, dossier, or card that is not yours;
  8. reverse engineer, decompile, or disassemble any part of the Service, or attempt to discover its source code or the parameters of the rating engine, except to the extent such restriction is prohibited by applicable law;
  9. probe, scan, or test the vulnerability of the Service, or breach or attempt to breach its security or authentication measures, without our prior written permission;
  10. impose an unreasonable or disproportionate load on the Service, or interfere with its operation or with any other user's use of it;
  11. use the Service to violate any law, to infringe anyone's rights, or to breach any obligation you owe to any person, including your broker;
  12. represent the Service's output as investment advice, as an audited or verified track record, as a valuation or certification, or as the work of a licensed professional; or
  13. misrepresent your identity, your eligibility, your account ownership, or your authority.

Good-faith security research is welcome, but must be coordinated with us in advance: write to support@introgy.ai before testing, do not access, modify, or exfiltrate any data that is not yours, do not degrade the Service, and give us a reasonable opportunity to remediate before disclosure.

We may investigate suspected violations and may suspend or terminate access, technically block traffic, refuse service, and pursue any remedy available at law or in equity.

24. Third-party services

The Service depends on third parties, including Cloudflare (hosting, network, storage, database), Stripe (payments), SnapTrade / Passiv Technologies Inc. (brokerage connectivity), Tiingo (end-of-day market data), Resend (email delivery), and Meta (advertising measurement, which you can switch off). Their services are governed by their own terms and privacy policies, which you should read; the Privacy Policy identifies each. We are not responsible for the acts, omissions, availability, security, pricing, or policies of any third party, and an outage, failure, change, or security incident at a third party may degrade or interrupt the Service or the accuracy of a rating.

Your broker is likewise a third party whose systems, policies, and data we do not control (section 12).

The Service may contain links to third-party websites, including the publishers of the research we cite. Links are provided for reference. We do not control, endorse, or take responsibility for any third-party site or its content.

25. Availability, changes, and discontinuation

The Service is provided on an "as available" basis. We do not commit to any level of uptime, availability, response time, or support, and we offer no service level agreement. We may modify, suspend, limit, or discontinue the Service or any feature of it, change the rating engine, its methodology, or its version, change the reference distribution, recalibrate tier bands, change or remove content, and impose limits, at any time, with or without notice. We may run experiments and phased rollouts in which different visitors receive different content, pricing, or presentation.

Where a change to the engine or the bands would move existing ratings materially, we will say so on the affected surfaces rather than change numbers silently. We will make reasonable efforts not to cut short a season you have already paid for, but if we discontinue the Service entirely, your remedy is limited to a refund of the unexpired portion of your current season under section 16 and the liability cap in section 28.

26. Electronic communications and consent

By using the Service you consent to receive communications from us electronically — by email to any address you provide and by notices posted in the Service — and you agree that electronic communications, agreements, and notices satisfy any legal requirement that such communications be in writing. You consent to the use of electronic records and signatures under the federal E-SIGN Act and comparable state law. You may withdraw this consent only by ceasing to use the Service; withdrawal would prevent us from delivering the product you purchased.

Transactional messages — purchase confirmations, connection and STALE notices, weekly re-rate notices you have opted into, and season-end dossiers — are sent because you purchased or requested them and are not marketing. Marketing email, if we send any, will identify itself as such and carry a working unsubscribe mechanism, as required by the CAN-SPAM Act.

27. Disclaimer of warranties

THE SERVICE, THE FREE ESTIMATE, THE EDGE RATING, THE TIERS, THE CATEGORY SCORES, THE DECOMPOSITION, THE PERCENTILE, THE CARD, THE DOSSIER, THE MARKET DATA, AND ALL OTHER CONTENT AND OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, INTROGY LLC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SUPPLIERS (TOGETHER, THE "INTROGY PARTIES") DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, AND OTHERWISE, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, SYSTEM INTEGRATION, AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, THE INTROGY PARTIES MAKE NO WARRANTY AND GIVE NO ASSURANCE THAT: (A) ANY RATING, TIER, CATEGORY SCORE, PERCENTILE, OR OTHER FIGURE IS ACCURATE, CURRENT, COMPLETE, RELIABLE, OR APPLICABLE TO YOU; (B) THE DATA RECEIVED FROM YOUR BROKER OR ANY DATA PROVIDER IS COMPLETE, CORRECTLY CLASSIFIED, TIMELY, OR FREE OF ERROR; (C) A BROKERAGE CONNECTION CAN BE ESTABLISHED OR MAINTAINED FOR ANY PARTICULAR BROKER OR ACCOUNT; (D) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (E) DEFECTS WILL BE CORRECTED; (F) THE SERVICE IS FREE OF HARMFUL COMPONENTS; OR (G) USE OF THE SERVICE WILL PRODUCE ANY PARTICULAR RESULT, INCLUDING ANY CHANGE IN YOUR TRADING RESULTS, YOUR RATING, OR YOUR TIER.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM THE INTROGY PARTIES OR THROUGH THE SERVICE, CREATES ANY WARRANTY NOT EXPRESSLY STATED HERE.

Some jurisdictions do not allow the exclusion of certain warranties. In those jurisdictions the exclusions above apply to the fullest extent permitted, and any warranty that cannot be excluded is limited in duration to the shortest period the law permits.

28. Limitation of liability

28.1 Exclusion of indirect and trading damages. TO THE FULLEST EXTENT PERMITTED BY LAW, THE INTROGY PARTIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY TRADING LOSS, INVESTMENT LOSS, LOST PROFITS, LOST OPPORTUNITY, MISSED GAIN, MARGIN CALL, TAX CONSEQUENCE, LOSS OF BUSINESS, DAMAGE TO REPUTATION OR PROFESSIONAL STANDING, LOSS OF GOODWILL, LOSS OF DATA, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, UNDER ANY THEORY OF LIABILITY — CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, WARRANTY, STATUTE, OR OTHERWISE — EVEN IF THE INTROGY PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

28.2 Aggregate cap. THE TOTAL AGGREGATE LIABILITY OF THE INTROGY PARTIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU ACTUALLY PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS (US$100).

28.3 Basis of the bargain. The disclaimers in section 27 and the limitations in this section are fundamental elements of the bargain between you and us and reflect a reasonable allocation of risk for a US$19–29 informational product that never touches your money. They apply even if a limited remedy fails of its essential purpose.

28.4 Exceptions. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, or under any non-waivable consumer protection statute. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages; in those jurisdictions the above applies to the fullest extent permitted.

28.5 Your recourse. If you are dissatisfied with the Service, your primary remedy is to stop using it, disconnect your brokerage account, and request a refund under section 16.

29. Indemnification

You agree to defend, indemnify, and hold harmless the Introgy Parties from and against any claim, demand, action, proceeding, loss, liability, damage, judgment, settlement, fine, penalty, cost, and expense (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your breach of these Terms; (c) your violation of any law or of the rights of any person; (d) any brokerage account you connected without the right to connect it; (e) any use you made of a rating, card, or dossier in soliciting, advertising to, or dealing with any other person; (f) any action you took, or refrained from taking, in connection with the Service, including any trade; or (g) any dispute between you and your broker, your data provider, a tax authority, or any other third party.

We reserve the right, at your expense, to assume exclusive defense and control of any matter subject to indemnification, in which case you will cooperate with us. You may not settle any such matter in a way that imposes any obligation or admission on us without our prior written consent.

30. Dispute resolution — informal resolution, then binding individual arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY DECIDE YOUR CASE.

30.1 Scope. This section applies to any dispute, claim, or controversy between you and Introgy arising out of or relating in any way to these Terms, the Service, any purchase, any rating or other output, our marketing, or your relationship with us, including claims that arose before you accepted these Terms and claims that arise after you stop using the Service, and including claims under contract, tort, statute, regulation, fraud, misrepresentation, or any other legal theory (a "Dispute"). It survives termination.

30.2 Informal resolution first — a condition precedent. Before starting an arbitration or a court action, you must first give us a genuine opportunity to resolve the Dispute informally. Send a written Notice of Dispute to support@introgy.ai containing your name, the email address associated with your purchase (if any), a description of the Dispute, the specific relief you seek, and a dollar amount if applicable. We will do the same for any Dispute we have with you. The parties will negotiate in good faith for sixty (60) days from receipt of the Notice. Neither party may commence arbitration or litigation before that period ends. The limitations period and any arbitration filing deadline are tolled during it. A party's compliance with this paragraph is a condition precedent to commencing arbitration, and either party may seek a court order enjoining a filing made in breach of it.

30.3 Binding individual arbitration. If the Dispute is not resolved within the 60-day period, it will be resolved exclusively by final and binding individual arbitration, and not in court, except as provided in sections 30.5 and 30.6. The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this arbitration agreement.

30.4 Rules, forum, and procedure. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect (available at adr.org), as modified by these Terms. If the AAA is unavailable or declines to administer, the parties will agree on another established administrator applying substantially similar consumer rules, or a court of competent jurisdiction may appoint one. Arbitration will be before a single arbitrator. Unless the parties agree otherwise, arbitration will take place in the county of your residence or, at your election, by telephone, videoconference, or on documents alone where the AAA rules permit. The arbitrator may award any relief available in court to the individual party, including statutory damages and attorneys' fees where a statute provides for them, but may not award relief to, or on behalf of, anyone who is not a party to the arbitration. The arbitrator's award is final and binding, and judgment on it may be entered in any court of competent jurisdiction.

30.5 Small claims carve-out. Either party may bring an individual action in a small claims court with jurisdiction, instead of arbitration, so long as the action remains in that court, remains individual, and seeks only relief within that court's jurisdictional limits.

30.6 Injunctive relief for intellectual property. Either party may seek temporary or preliminary injunctive relief in a court of competent jurisdiction to prevent actual or threatened infringement or misappropriation of its intellectual property or unauthorized access to the Service, without waiving any part of this section.

30.7 Your right to opt out of arbitration. You may opt out of this arbitration agreement. To do so, send an email to support@introgy.ai with the subject line "Arbitration Opt-Out" containing your name, the email address associated with your use of the Service, and a clear statement that you decline to be bound by the arbitration agreement. Your opt-out must be sent within thirty (30) days of the date you first accept these Terms (or, if these Terms are later amended to change this section, within 30 days of that amendment). An opt-out affects only sections 30.3, 30.4, and 30.8; the rest of these Terms, including section 31, continue to apply, and disputes will proceed in the courts identified in section 31. Opting out will not affect your access to the Service, your price, or any other aspect of your relationship with us, and we will not retaliate for it.

30.8 Class action and jury trial waiver. YOU AND INTROGY EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER CONSOLIDATED OR REPRESENTATIVE PROCEEDING. Claims may be brought only in an individual capacity. The arbitrator may not consolidate claims of more than one person or preside over any form of representative proceeding, except as provided in section 30.9. If a court decides that applicable law prevents enforcement of any part of this paragraph as to a particular claim or request for relief, that claim or request for relief (and only that one) will be severed and brought in the courts identified in section 31, stayed pending arbitration of the remaining claims.

30.9 Coordinated proceedings. If 25 or more claimants submit Notices of Dispute or demands for arbitration raising substantially similar claims and represented by the same or coordinated counsel, the claims will be administered in staged batches of no more than 50 claimants each, with a single arbitrator per batch, and the parties will cooperate with the administrator to implement staged batching in the interest of efficiency. The statute of limitations and any filing deadline are tolled for claimants awaiting a batch.

30.10 Fees. Payment of filing, administration, and arbitrator fees is governed by the AAA's rules, including any provision limiting the fees payable by a consumer. If the arbitrator finds a claim or a defense frivolous or brought for an improper purpose, fees may be reallocated as the applicable rules permit.

30.11 Severability of this section. If any part of this section 30 is found unenforceable, that part will be severed and the remainder will continue to apply, except that if section 30.8 is found unenforceable in its entirety, then this entire section 30 (other than 30.2) will be void.

30.12 Survival. This section survives termination of these Terms and of your use of the Service.

31. Governing law and venue

These Terms and any Dispute are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws principles, and by applicable United States federal law (including the Federal Arbitration Act). The United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act do not apply.

For any Dispute not subject to arbitration — because it falls within a carve-out, because you opted out, or because a court holds arbitration unenforceable — you and Introgy consent to the exclusive jurisdiction and venue of the state and federal courts located in New Castle County, Delaware, and each party waives any objection to that venue on grounds of inconvenient forum. This does not deprive you of the protection of any mandatory consumer-protection provision of the law of the state in which you reside.

32. Time limit for claims

To the fullest extent permitted by law, any Dispute must be commenced within one (1) year after the claim arises; otherwise it is permanently barred. This limitation does not apply where the applicable law prohibits shortening the limitations period.

33. Suspension and termination

We may suspend or terminate your access to the Service, in whole or in part, at any time and without notice, if we reasonably believe you have violated these Terms, if required by law, to protect the Service or other users, or in connection with a fraudulent or disputed payment.

You may stop using the Service at any time. To end it completely: disconnect your brokerage account, which stops all further syncing, and write to support@introgy.ai to ask us to delete what we hold. We will.

On termination by either party, we stop syncing brokerage data. Sections 5, 6, 7, 8, 9, 19.3, 20, 21, 22, 27, 28, 29, 30, 31, 32, and 39 survive, together with any other provision that by its nature should survive.

34. Changes to these Terms

We may amend these Terms. When we do, we will update the "Last updated" date at the top and post the amended Terms in the Service. Material changes take effect no earlier than the date posted, and apply prospectively only. Your continued use of the Service after the effective date constitutes acceptance of the amended Terms. If you do not accept them, stop using the Service. A change to these Terms does not retroactively alter the terms governing a season you already bought, except where required by law. Changes to section 30 give rise to a fresh 30-day opt-out right as described in section 30.7.

35. Intellectual property complaints

If you believe content in the Service infringes your copyright or other intellectual property right, write to support@introgy.ai with: identification of the protected work; identification of the material you claim is infringing and where it is located; your contact information; a statement that you have a good-faith belief the use is not authorized by the rights holder, its agent, or the law; a statement, under penalty of perjury, that the information in the notice is accurate and that you are the rights holder or authorized to act for them; and your physical or electronic signature. We will respond as required by the Digital Millennium Copyright Act and may remove material and terminate access for repeat infringers.

36. Notice to California residents

Under California Civil Code § 1789.3, California users are entitled to the following notice: the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210. California users may reach us at support@introgy.ai. The Service is provided at the one-time per-season price disclosed at checkout, with no other fees charged by us.

California residents also have privacy rights described in the Privacy Policy.

37. Accessibility

We want the Service to be usable by everyone, and we build toward the Web Content Accessibility Guidelines. The Service honors reduced-motion preferences and is designed to work without client-side scripting where practical — the free estimate is the one feature that requires it. If you encounter a barrier, write to support@introgy.ai and tell us what happened; we will try to help you get what you paid for and to fix the underlying problem.

38. Export control and sanctions

You represent that you are not located in, ordinarily resident in, or a national of any country or region subject to comprehensive United States sanctions, and that you are not identified on any United States government restricted-party list, including the Treasury Department's Specially Designated Nationals list or the Commerce Department's Denied Persons or Entity Lists. You agree not to use the Service in violation of any United States export control or sanctions law.

39. General provisions

39.1 Entire agreement. These Terms, together with the Privacy Policy and any methodology page incorporated by reference, constitute the entire agreement between you and Introgy regarding the Service and supersede all prior or contemporaneous understandings, communications, and marketing statements on that subject — including any terms previously published for the compensation-benchmarking product formerly offered at this domain, which is discontinued.

39.2 No reliance. You agree that you have not relied on any statement, representation, warranty, or assurance not expressly set out in these Terms, and that no marketing copy, headline, figure, illustration, sample dossier, or example anywhere in the Service constitutes a representation on which reliance is reasonable, except as expressly stated here. Nothing in this paragraph limits liability for fraud.

39.3 Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remaining provisions continue in full force. Section 30.11 governs severability within the arbitration agreement.

39.4 No waiver. Our failure to enforce any provision is not a waiver of it. A waiver is effective only if in writing and signed by us, and applies only to the instance specified.

39.5 Assignment. You may not assign or transfer these Terms or any right under them, by operation of law or otherwise, without our prior written consent; any attempt to do so is void. We may assign these Terms freely, including in connection with a merger, acquisition, reorganization, or sale of assets.

39.6 No third-party beneficiaries. Except for the Introgy Parties, who may enforce sections 27, 28, and 29, these Terms create no third-party beneficiary rights.

39.7 Relationship. Nothing in these Terms creates a partnership, joint venture, agency, franchise, or employment relationship between you and Introgy.

39.8 Force majeure. Neither party is liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, natural disaster, war, terrorism, civil unrest, labor action, epidemic, government action, internet or utility failure, market disruption, and failure of a third-party service, data provider, or broker.

39.9 Notices. We may give notice by email to any address you have provided, by posting in the Service, or by any other reasonable means. Notices to us must be sent to support@introgy.ai and are effective on receipt.

39.10 Interpretation. Headings are for convenience only. "Including" means "including without limitation." These Terms will not be construed against the drafter.

39.11 Language. These Terms are drawn up in English, and English governs their interpretation. Any translation is provided for convenience only.

40. Contact

Introgy LLC All inquiries — support, billing, refunds, privacy, legal, security, accessibility: support@introgy.ai

PayDossier is analytics about your past trading, not investment advice or a recommendation. Ratings describe history; they do not predict results. Brokerage access is read-only — nothing here can place a trade or move money.