Terms and Conditions

Effective Date: 26 February 2026 • Last Updated: 26 February 2026

Company

Bay Tree Capital OÜ, Sepapaja tn 6, 15551, Tallinn, Estonia

Registration No: 16503813 • VAT No: EE102528024

Business/Legal/Abuse: support@betterbuylow.com • Privacy/DSAR: support@betterbuylow.com

Service availability: Global, except where prohibited by applicable export control and sanctions laws.

1. The Service

Educational platform offering analytics, charts, backtests, newsletters, and an AI assistant; includes signals/alerts, model portfolios, top lists, and automated recommendations. No personalized or individualized investment advice, brokerage, execution, or custody.

2. Eligibility and Accounts

  • You must be at least 18 years old.
  • Not intended for children under 13 (US) or under 16 (EU where applicable). Accounts of under‑age users will be deleted if detected.
  • You are responsible for your credentials and all activity under your account.

3. Subscriptions, Trials, Renewals, Cancellations, Refunds

  • Plans: Monthly or Yearly membership. Prices are shown at checkout and may vary by region/tax. Currencies: EUR, USD. Taxes collected where required.
  • Free trial: 7 days; auto‑converts unless cancelled before the trial ends; one trial per user/IP/payment method.
  • Auto‑renewal: Subscriptions renew for the same term until cancelled. Annual plans receive a renewal reminder email 30 days prior.
  • Cancellation: Cancel anytime in your account. Access continues until the end of the current term. No pro‑rata refunds.
  • Refunds: No refunds once a term starts, except where required by law.
  • EU withdrawal right: EU consumers may withdraw within 14 days by emailing support@betterbuylow.com. Upon valid withdrawal, a full refund is provided and access is revoked. No usage‑based deductions.

4. Acceptable Use

  • No scraping, crawling, harvesting, bulk downloading, or building derivative datasets.
  • No reverse engineering, decompiling, circumvention of security, or unauthorized access.
  • No automated trading, bots, or programmatic access (no public API).
  • No benchmarking or publication of performance comparisons without prior written consent.
  • No illegal, harmful, infringing, or abusive activities.

5. Intellectual Property and License

We retain all rights in the Service, content, datasets, models, and software. We grant you a limited, revocable, non‑exclusive, non‑transferable, non‑sublicensable license to access and use the Service for your internal purposes. You may not resell, redistribute, or export Service outputs as a database or dataset.

6. Third‑Party Services and Data Sources

The Service uses third‑party providers (payments, analytics, hosting, AI, consent management, advertising). Market data and other inputs may be delayed, inaccurate, incomplete, or unavailable. No warranties regarding accuracy, timeliness, or fitness for any purpose.

7. Changes to the Service and Terms

We may modify features, pricing, or these Terms. We will provide reasonable notice for material changes where required by law. Your continued use after changes indicates acceptance.

8. Disclaimers

The Service is provided “as is” and “as available,” to the maximum extent permitted by law. See the Legal Disclaimer for prominent investment and AI warnings. Your statutory consumer rights are not affected.

9. Limitation of Liability

  • We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of profits, revenues, data, or goodwill.
  • Aggregate liability is limited to amounts you paid for the Service during the 12 months preceding the event giving rise to the claim.
  • This section does not exclude liability that cannot be excluded by law.

10. Indemnity

You will defend, indemnify, and hold harmless Bay Tree Capital OÜ and its affiliates, officers, and employees from claims arising from your misuse of the Service or breach of these Terms.

11. Governing Law and Venue

Governing law: Estonia. Exclusive venue: Courts of Tallinn, Estonia. Small‑claims and injunctive relief carve‑outs apply where available by law.

12. Export Controls and Sanctions

You confirm you are not prohibited from using the Service under applicable export control or sanctions laws. The Service is unavailable where prohibited by such laws.

AI/technology controls: Certain AI capabilities and technologies may be subject to export, re‑export, or transfer restrictions. You agree to comply with all applicable export control laws.

13. Communications and E‑Signatures

You consent to receive notices electronically (email or in‑product). Electronic acceptance is binding under E‑SIGN/eIDAS.

14. Miscellaneous

  • Force majeure, severability, waiver, assignment, entire agreement, and survival apply per standard interpretation.
  • No public UGC features at this time. Accessibility inquiries: support@betterbuylow.com.

15. Imprint/Impressum (Germany)

Bay Tree Capital OÜ, Sepapaja tn 6, 15551, Tallinn, Estonia

Registration No: 16503813 • VAT No: EE102528024

Email: support@betterbuylow.com • Privacy/DSAR: support@betterbuylow.com

Legal representative (Vertretungsberechtigte): Pending designation