Terms of Service

1. Acceptance of these Terms

By accessing or using the Service — including joining the launch list or creating an account — you confirm that you can form a binding contract, that you are 18 or older (or the age of majority where you live), and that you accept these Terms and our Privacy Policy. If you use the Service on behalf of an organization, you confirm you have authority to bind it.

2. What the Service is

OptionYield is a mobile-first scanner for covered-call and cash-secured-put opportunities. It streams market data, computes yield metrics (static return, annualized yield, downside protection, max profit, OTM%), and lets you save scans and a watchlist. The Site currently promotes the upcoming App and hosts a launch-list signup.

The Service is in active development. We may add, change, or remove features, and we may discontinue any part of the Service, at any time. We may also offer optional paid subscriptions (see §7); core scanning features may remain free, but we do not guarantee that any feature will stay free.

3. No investment advice

• OptionYield is an informational and educational tool only. Nothing in the Service constitutes investment, legal, tax, or accounting advice, a recommendation, or an offer or solicitation to buy or sell any security or option.
• We are not a broker-dealer, investment adviser, or financial planner, and we have no fiduciary relationship with you. We do not execute, route, or hold your trades or funds.
• Options involve substantial risk and are not suitable for all investors. Covered calls limit upside; cash-secured puts carry risk of losses well beyond the premium if the underlying falls. Use of the Service may involve complex strategies that can lose money rapidly.
• Past performance, backtests, and implied or annualized yields are not guarantees of future results.
• You are solely responsible for your own research and decisions. Consider consulting a licensed financial advisor before trading.

4. Market data and estimated values

Market data in the Service is sourced from third-party providers and delivered through our pipeline on a best-effort basis. Quotes may be delayed, and some bid/ask values are hybrid or modeled estimates — these are explicitly labeled “ESTIMATED” in the interface. Data availability, accuracy, completeness, sequencing, and timeliness are not guaranteed and may be interrupted at any time.

Always verify prices, terms, and contract details with your broker or the exchange before acting. We are not liable for losses caused by data errors, delays, or estimates (see §11–12).

5. Accounts and eligibility

• You must be at least 18 years old (or the age of majority in your jurisdiction) and not barred from using financial-information tools under applicable law or sanctions.
• OptionYield is built for personal, non-professional investors. The market data and pricing shown in the app are licensed for non-professional use, so the Service is not available to professional investors — for example, anyone registered or licensed with a financial regulator, or employed by a brokerage, fund, bank, or other financial-services firm in an investment capacity.
• Provide accurate information, keep your credentials and device secure, and notify us promptly of unauthorized use. You are responsible for activity under your account.
• Biometric unlock, where offered, is a convenience feature provided by your device’s operating system; it does not change your responsibility for account security.
• You can delete your account at any time in the App’s account settings or by emailing us. See the Privacy Policy for what deletion covers.

6. Your content

Watchlist tickers, scan criteria, cost-basis inputs, and other material you enter (“Your Content”) remain yours. To host, sync, and display Your Content back to you across your devices, you grant us a limited, worldwide, non-exclusive, revocable license to store and process it for operating the Service. We do not sell Your Content or use it to profile you.

7. Subscriptions, billing, and refunds

• Paid features, if offered, are sold as auto-renewing subscriptions processed by Apple (App Store) or Google (Google Play) through our subscription manager. We never see or store your full payment details.
• Prices are shown at purchase and charged to your store account. Subscriptions renew automatically until canceled at least 24 hours before the end of the current period.
• You can cancel or manage subscriptions in your Apple ID / Google Play settings at any time; you keep access through the paid period.
• Refunds are handled by Apple or Google under their store policies; contact us at info@optionyield.app and we will help where we can.
• We may change pricing for new subscriptions or renewals, giving reasonable advance notice where required. Store terms (Apple’s Media Services Terms / Google Play Terms) also govern purchases.

8. Acceptable use

You agree not to:

• use the Service for any unlawful purpose, or in violation of sanctions, export controls, or market rules;
• interfere with or disrupt the Service or its infrastructure, including scraping, aggressive automated access, probing for vulnerabilities, or circumventing rate limits, entitlements, or paywalls;
• resell, sublicense, or commercially exploit access to the Service without written permission;
• misrepresent the source of data or metrics taken from the Service, or use them in a product that competes with the Service;
• reverse engineer the Service except to the extent such restriction is prohibited by applicable law.

9. Intellectual property

The Service — including its code, formulas, calculations, design, branding, and content (excluding Your Content and third-party market data) — is owned by OptionYield and its licensors and is protected by intellectual-property laws. You receive only a limited, personal, non-exclusive, non-transferable, revocable license to use the Service as intended. All rights not expressly granted are reserved. Feedback you send us may be used freely without obligation, and does not transfer ownership of your ideas to us.

10. Third-party services and links

The Service references and integrates third-party services (data providers, app stores, authentication and subscription managers). Your use of them is governed by their terms and policies, not these Terms. We are not responsible for their content, availability, or practices.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, NON-INFRINGEMENT, AND UNINTERRUPTED OPERATION. We do not warrant that the Service will be available, error-free, timely, or secure, or that data (including quotes and “ESTIMATED” values) will be accurate or complete. Nothing in these Terms excludes warranties that cannot lawfully be excluded in your jurisdiction.

12. Limitation of liability

To the maximum extent permitted by law, OptionYield and its operators will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, trading losses, lost data, or opportunity cost, arising from or related to your use of the Service — even if advised of the possibility. Our total aggregate liability for all claims will not exceed the greater of (a) the amount you paid us in the 12 months before the claim, or (b) USD $100. Some jurisdictions do not allow certain limitations; in that case the limitations apply to the fullest extent allowed, and nothing in these Terms affects statutory consumer rights that cannot be waived.

13. Indemnification

You will defend and indemnify OptionYield against claims arising from your violation of these Terms, your misuse of the Service, or your breach of a third-party provider’s terms except to the extent prohibited by law or caused by us.

14. Termination

You may stop using the Service, cancel subscriptions, and delete your account at any time. We may suspend or terminate your access if you violate these Terms, create risk or legal exposure for us, or if required by law or a third-party provider — with notice where practicable. Sections that by their nature should survive termination (including §3, §4, §6, §9, and §11–15) survive. On termination your right to use the Service ends immediately; see the Privacy Policy for data deletion.

15. Changes to the Service and these Terms

We may modify the Service and these Terms. We will post updated Terms on this page and change the “Effective” date; for material changes we will notify you (email or in-App) in advance where reasonable. Continued use after the effective date means you accept the updated Terms; otherwise stop using the Service before that date.

16. Governing law and general provisions

• These Terms are governed by the laws of [governing jurisdiction — set before launch], without regard to conflict-of-law rules, except where the consumer-protection law of your country of residence grants you mandatory protections, which apply.
• Disputes will first be addressed by good-faith negotiation — email us; we’re small and responsive.
• If any provision is unenforceable, the remainder stays in force, and the unenforceable part is replaced by an enforceable one closest to the original intent.
• We may not assign these Terms without notice; you may not assign them at all.
• Failure to enforce a provision is not a waiver. These Terms, the Privacy Policy, and store terms form the entire agreement between us regarding the Service.
• Notice of disputes or legal process: info@optionyield.app.