Terms of Service

NextGen Finance ("we", "us", "our") operates these products from the United Kingdom. Contact: support@nextgenfinance.io.

Everything we provide — websites, indicators, Loxoda, charts, Monte Carlo outputs, tax samples, stress tests, coach emails, and any commentary — is for education, illustration, and personal planning / analysis only. It is not financial advice, investment advice, tax advice, legal advice, accounting advice, or a personal recommendation. We are not authorised by the Financial Conduct Authority (FCA) to advise on investments or pensions. Past performance and simulated results do not guarantee future outcomes. Markets can go down as well as up; you can lose money. You are solely responsible for your decisions. If you need advice, consult a suitably authorised professional.

You must be at least 18 and able to form a binding contract. You must provide accurate account information and keep credentials secure.

Certain features require an account and a paid membership (for example Jump Seat or Flight Deck for Loxoda, or indicator access via TradingView / our checkout). Plans, prices, and billing intervals are shown at purchase. Taxes may apply.

Subscriptions renew automatically until cancelled. You can manage or cancel via the Stripe customer portal (or as otherwise described at checkout / in-product). Cancellation takes effect at the end of the current paid period unless stated otherwise. Fees are generally non-refundable except where UK consumer law requires otherwise or we expressly agree.

You agree not to:

• Misuse the service, attempt unauthorised access, or disrupt infrastructure
• Scrape, reverse engineer, or resell the service except as allowed by law
• Upload unlawful, harmful, or infringing content
• Share login credentials or circumvent membership controls
• Present our outputs as regulated advice or as guarantees of returns

We may suspend or terminate access for breach, abuse, or risk to the service.

You retain ownership of plan inputs you enter. You grant us a licence to host, process, and display that data solely to provide the service (including backups, snapshots, and email features you use). You represent that you have the right to submit the data you enter.

Export and delete tools in Loxoda Settings (or email support@nextgenfinance.io) let you retrieve or erase cloud planning data, subject to legal retention for billing records.

We (and our licensors) own the site, software, branding, documentation, and indicator intellectual property. Membership grants a personal, non-transferable, non-exclusive licence to use the service for your own non-commercial personal use, unless we agree otherwise in writing. TradingView and other third-party platforms remain subject to their own terms.

Payments (Stripe), auth/database (Supabase), hosting (Vercel), email, market data, and TradingView are provided by third parties. Their availability, accuracy, and terms are outside our full control. Outages or data errors may affect projections.

Services are provided "as is" and "as available" to the fullest extent permitted by law. We do not warrant uninterrupted or error-free operation, or that any projection, confidence figure, or indicator signal will be accurate, complete, or fit for a particular purpose.

Nothing in these Terms excludes or limits liability that cannot be excluded under UK law (including for death or personal injury caused by negligence, or fraud).

Subject to that, we are not liable for: investment or trading losses; decisions made using our tools; indirect, consequential, or special losses; loss of profits, data, or goodwill; or third-party platform failures. Our aggregate liability arising out of or relating to the services in any 12-month period is limited to the fees you paid us for the relevant service in that period (or £100 if greater and no fees were paid).

You agree to indemnify us against claims arising from your misuse of the service, your content, or your breach of these Terms, to the extent permitted by law.

We may update these Terms. The "Last updated" date will change. Material changes may be notified in-product or by email. Continued use after the effective date constitutes acceptance.

These Terms are governed by the laws of England and Wales. Courts of England and Wales have exclusive jurisdiction, without prejudice to mandatory consumer protections in your country of residence where applicable.

Questions: support@nextgenfinance.io.