Terms of Use

1. Acceptance of Terms

By accessing or using the Millennia Trading Terminal ("Service"), a product of Prosperity Labs, LLC, operated at millennia.money, you agree to be bound by these Terms of Use. If you do not agree, you must not use the Service.

2. Description of Service

Millennia Trading Terminal is a software-as-a-service platform that provides a trading interface for users to place and manage orders on their personal brokerage accounts through the Alpaca Securities LLC API. Millennia is not a broker-dealer, investment advisor, or financial institution. We provide a technology tool only.

3. Eligibility

You must be at least 18 years old and have a valid brokerage account with Alpaca Securities LLC to use the trading features of this Service. You are responsible for ensuring that your use of this Service complies with all applicable laws and regulations in your jurisdiction.

4. Account and Security

You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately of any unauthorized access to your account. We are not liable for any loss or damage arising from your failure to protect your account information.

5. Brokerage Connection

By connecting your Alpaca brokerage account to our Service via OAuth, you authorize Millennia Trading Terminal to:

• Access your account information (balances, positions, order history)
• Place, modify, and cancel orders on your behalf at your direction
• Retrieve market data associated with your account

You may revoke this authorization at any time by disconnecting your Alpaca account through the Settings page or directly through Alpaca's platform.

6. No Investment Advice

Millennia Trading Terminal does not provide investment advice, recommendations, or research. All trading decisions are made solely by you. We are not responsible for any investment outcomes. Trading stocks and cryptocurrency involves significant risk of loss and is not suitable for every investor. You should consult with a qualified financial advisor before making trading decisions.

7. Risk Disclosure

Trading in securities and cryptocurrencies involves substantial risk of loss. Past performance is not indicative of future results. You acknowledge that you understand the risks involved and that you are solely responsible for all trading activity conducted through the Service. Millennia is not liable for any trading losses.

8. Subscription and Payment

The Service includes a free tier with up to 10 smart trades per month and a Pro subscription at $19.99 per month with up to 100 smart trades per month. Payments are processed through Stripe. Pro subscriptions automatically renew monthly unless cancelled. You may cancel your subscription at any time through the Billing page. No refunds are provided for partial billing periods.

9. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable for maintenance, updates, or due to circumstances beyond our control (including market closures, API outages from Alpaca, or force majeure events). We are not liable for any losses resulting from Service unavailability.

10. Limitation of Liability

To the maximum extent permitted by law, Prosperity Labs, LLC (d/b/a Millennia Trading Terminal), its operators, affiliates, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, trading losses, data loss, or other intangible losses resulting from your use of the Service.

11. Prohibited Conduct

• Using the Service for any unlawful purpose, including market manipulation
• Attempting to reverse-engineer, decompile, or access the source code of the Service
• Sharing your account credentials with others or allowing unauthorized access
• Using automated scripts, bots, or other tools to interact with the Service beyond its intended use
• Attempting to circumvent subscription payment requirements

12. Intellectual Property

All content, features, and functionality of the Service (including but not limited to text, graphics, logos, and software) are owned by Prosperity Labs, LLC and are protected by intellectual property laws.

13. Termination

We reserve the right to suspend or terminate your account at our sole discretion, without notice, for conduct that we determine violates these Terms or is harmful to the Service or other users.

14. Changes to Terms

We may modify these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms. Material changes will be communicated via email or a notice on the Service.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration.

16. Contact

For questions about these Terms, contact us at support@millennia.money.