Terms of Use

Effective Date: July 1, 2025. Revision: 1.02. These Terms of Use (the “Agreement,” the “Terms”) govern access to and use of the informational resource available at tlap.io (the “Website,” the “Site”), owned and administered by TLAP (the “Owner”). By using the Site, you (“User”) confirm that you agree to these Terms. If you do not agree, stop using the Site.

1. Nature of Service

  • The Site provides Users with free access to informational materials and trading tools, including calculators, widgets, charts, and other utilities for reference purposes.
  • The Site publishes reviews, comparisons, and rankings of brokers, as well as information about offers, bonuses, and promotions from brokers (collectively, “Partner Offers”).
  • The Site features a section with useful articles and other materials (the “Materials”) intended solely for informational and educational purposes.
  • The Site is not a broker, dealer, bank, or payment institution and does not accept, transmit, or execute trading orders or safeguard assets.
  • Nothing on the Site—including the Materials and tools—constitutes individualized investment advice, financial advice, a solicitation to engage in transactions, or an offer.

2. Disclaimer and Risks

All trading decisions are made by the User independently and at their own risk. The Owner shall not be liable for any losses (including, without limitation, direct, indirect, incidental, punitive, or consequential losses) arising from the use or inability to use the Site, Materials, or tools.

Financial markets (including forex/CFDs/crypto-assets) involve a high level of risk. Past performance does not guarantee future results. Before making investment decisions, assess your risk tolerance and, if necessary, consult an independent licensed advisor.

Data on prices, quotes, fees, bonuses, promotions, and broker terms may be inaccurate, incomplete, delayed, or outdated. The User must verify all information at the source (on the official websites of relevant third parties) before acting.

The Owner does not control and does not guarantee the content, availability, quality, or security of third-party websites and services linked from the Site and is not a party to relationships between the User and such third parties (including brokers).

From time to time, the Site may include links to third-party broker websites and other services. We may maintain commercial relationships with certain third parties and may receive referral fees if you choose to engage with them. Such relationships do not determine our editorial approach to reviews or comparisons. You should independently verify any third-party terms before acting.

4. Permitted Use

The Site is provided for personal, non-commercial use, unless otherwise expressly agreed with the Owner in writing.

You may not: violate applicable law or third-party rights; interfere with the Site’s operation, circumvent technical protection measures, or gain unauthorized access; perform automated data collection (scraping) without written permission; post malicious code, spam, misleading, or unlawful information; or use the Site’s tools to develop or distribute competing services (except as permitted by license).

5. Accounts (if applicable)

When registering, the User must provide accurate and up-to-date information and keep login credentials confidential. The Owner may suspend or terminate the User’s access for violations of the Agreement.

6. Intellectual Property

All rights to the Site, design, software code, databases, logos, texts, images, and other items (the “Content”) belong to the Owner and/or its rights holders. The User is granted a limited, non-exclusive, non-transferable license to access and use the Site in accordance with this Agreement. Any copying, modification, or distribution of the Content without permission is prohibited, except for fair use and other exceptions provided by applicable law.

7. User Materials (if applicable)

By posting comments, reviews, or other materials, the User warrants they have the rights to publish them and grants the Owner a non-exclusive license to use such materials in connection with the operation of the Site. The Owner may moderate or remove materials at its discretion if they violate this Agreement or the law.

8. Data Accuracy and Technical Availability

The Site and tools are provided “as is” and “as available” without warranties of any kind, express or implied, including any warranty of fitness for a particular purpose. The Owner does not guarantee uninterrupted or error-free access, compatibility with devices or software, and shall not be liable for failures, delays, data loss, or other technical issues.

9. Limitation of Liability

To the maximum extent permitted by law, the Owner, its affiliates, directors, employees, and partners shall not be liable for any losses arising out of or in connection with the use of the Site, Materials, tools, links to third parties, or the inability to use them. If applicable law does not allow the exclusion of liability, the Owner’s aggregate liability shall be limited to USD 100 or the minimum permissible amount under applicable law, whichever is lower.

10. Indemnification

The User agrees to indemnify and hold harmless the Owner from and against any claims, losses, and expenses (including reasonable attorneys’ fees) arising from the User’s violation of this Agreement or third-party rights.

11. Privacy

The processing of personal data is governed by the Privacy Policy posted on the Site. By using the Site, the User agrees to the terms of that Policy.

12. Changes to the Agreement

The Owner may update this Agreement. The updated version takes effect upon publication on the Site or on another date specified in a notice. Continued use of the Site constitutes acceptance of the changes.

13. Termination of Access

The Owner may unilaterally restrict or terminate the User’s access to the Site in case of violations of this Agreement or on other grounds provided by law.

14. Governing Law and Dispute Resolution

This Agreement is governed by applicable law. All disputes shall be resolved in the competent court/arbitration at the Owner’s location, unless mandatory rules provide otherwise.

15. Miscellaneous

If any provision is held invalid, the remaining provisions shall remain in full force and effect. The Owner shall not be liable for delays or failures caused by force majeure events. Section headings are for convenience only and do not affect interpretation.

16. Contact

For questions, comments, and requests: info@tlap.io.