Legal

Terms of Service

Last updated 12 November 2026

These Terms of Service (“Terms”) govern your use of X-Ray Index, including the website at xrayindex.com, the dashboard, email alerts and any related services (together, the “Service”). By creating an account or using the Service you agree to these Terms. If you don’t agree, don’t use the Service.

1. What the Service is

X-Ray Index publishes daily market indicators, phase readings and trade signals for a list of crypto assets, US stocks, commodities and Korean stocks, together with price charts, historical backtests and optional email alerts. The Service is a research and data tool. It is provided for information and education only.

2. Not financial advice

Nothing in the Service is financial, investment, legal or tax advice, or a recommendation to buy, sell or hold any asset. Signals are generated mechanically from indicators and do not take your objectives, financial situation or needs into account. Backtest results are hypothetical and past performance does not guarantee future results. You are solely responsible for your own trading and investment decisions. Read the Risk Disclaimer before relying on anything in the Service.

3. Your account

• You must be at least 18 years old and able to form a binding contract to use the Service.
• Give us accurate information and keep your email address current, because it is how we send sign-in links, billing notices and alerts.
• An account is for one person. Don’t share your sign-in details or let others use your subscription.
• You are responsible for activity on your account. Tell us promptly if you think someone else has accessed it.

4. Plans, billing and renewals

Plans. We offer a Standard plan (dashboard access) and a Pro plan (dashboard access plus email alerts), each billed monthly or yearly. Prices are shown in US dollars on the pricing page and may exclude taxes that apply in your country.

Card payments. Card subscriptions are processed by Stripe and renew automatically at the end of each billing period until you cancel. You authorise us, through Stripe, to charge your payment method for each renewal.

Free trial. Your first card subscription includes a 7-day free trial. A valid card is required. If you don’t cancel before the trial ends, your subscription starts and the first payment is charged automatically. Trials are limited to one per person; we may withhold or end a trial if we believe it is being misused.

Crypto payments. Crypto payments are processed by NOWPayments. A crypto payment buys a fixed period of access (30 days for monthly, 365 days for yearly) and does not renew automatically. Before your period ends we email you an invoice for the next period. Paying early adds the new period on top of any time you have left. You are responsible for sending the correct amount on the correct network; payments sent to the wrong address or network may be lost and can’t be recovered by us.

Changing plans. On card plans you can upgrade or downgrade from the billing portal; Stripe prorates the difference. On crypto plans, paying for a different plan switches you to it immediately and adds its period to your remaining time.

Price changes. We may change prices. A new price applies from your next renewal, and we will tell you by email at least 14 days before it takes effect on an existing subscription.

5. Cancellation and refunds

You can cancel a card subscription at any time from your account page. Cancellation takes effect at the end of the current billing period and you keep access until then. To stop a crypto plan, simply don’t pay the next invoice, or turn off renewal reminders on your account page.

7-day money-back guarantee. If you ask within 7 days of your first payment, we will refund that payment in full, no questions asked. Email [email protected] with your invoice ID and the wallet address and network to send the refund to. Crypto refunds are paid in the same stablecoin you paid with. Your plan ends when the refund is processed, and any referral bonus earned from the refunded payment is removed. The guarantee applies once per person, to the first payment only.

Otherwise, except where required by law, payments are non-refundable and we don’t give refunds or credits for partial periods, unused time or downgrades. If you believe you were charged in error, contact us within 30 days and we will look into it.

6. Refer a friend

You may share your personal invite link. When a new user who signed up through your link makes their first real payment, both of you receive bonus access time as described on the Refer a friend page: 7 days for a monthly payment and 3 months for a yearly payment. You can earn at most 365 bonus days in any 12-month period. Referrals only count for genuinely new users; self-referrals, duplicate or fake accounts, and paid or spam promotion are not allowed. Bonus time has no cash value, can’t be transferred, and may be removed if it was obtained in breach of these Terms. We may change or end the programme at any time; bonus time already granted will be honoured.

7. Acceptable use

You agree not to:

• copy, resell, republish, redistribute or broadcast indicators, signals, alerts or backtest data, in whole or in substantial part, or use them to build a competing product;
• scrape the Service or access it with bots or automated tools, except through features we provide for that purpose;
• share your account, or access the Service in a way that bypasses subscription or usage limits;
• probe, test or circumvent security, or interfere with the Service or other users;
• use the Service for anything unlawful, including market manipulation.

8. Our content and your licence

The Service, including its indicators, signals, charts, text, design and software, belongs to us or our licensors. While your subscription is active we grant you a personal, non-exclusive, non-transferable licence to use it for your own research and trading. You may quote or screenshot small portions for personal, non-commercial discussion with attribution to X-Ray Index.

9. Data, availability and changes

Indicator data and market prices come from third-party sources and may be delayed, incomplete or wrong. We aim to update the Service daily but don’t guarantee that it will be available, uninterrupted, timely or error-free. Alerts may be delayed or not delivered, for example because of email filtering. We may add, change or remove assets, indicators or features over time.

10. Disclaimer

To the extent permitted by law, the Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of accuracy, merchantability, fitness for a particular purpose or non-infringement.

11. Limitation of liability

To the extent permitted by law, we are not liable for any trading or investment losses, lost profits, or indirect, incidental, special or consequential damages arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the amount you paid us in the 12 months before the event giving rise to the claim.

Nothing in these Terms excludes, restricts or modifies any right or remedy, or any guarantee, warranty or other term or condition implied or imposed by law (including, where they apply, the Consumer Guarantees Act 1993 and the Fair Trading Act 1986 of New Zealand, or equivalent consumer laws where you live) that cannot lawfully be excluded or limited. Where our liability for a failure to comply with such a guarantee can be limited, it is limited to supplying the Service again or paying the cost of having it supplied again.

12. Suspension and termination

We may suspend or close your account if you breach these Terms, misuse the Service or fail to pay. You may close your account at any time by contacting us. On termination your right to use the Service ends; sections 2, 7, 8, 10, 11 and 14 continue to apply.

13. Changes to these Terms

We may update these Terms. We will post the new version here with a new “Last updated” date and, for material changes, notify subscribers by email at least 14 days in advance. Continuing to use the Service after changes take effect means you accept them.

14. Governing law

These Terms are governed by the laws of New Zealand. You and we submit to the non-exclusive jurisdiction of the courts of New Zealand. If you use the Service as a consumer, you also keep any protections that the laws of your country give you and that can’t be excluded by agreement.

15. Contact

Questions about these Terms: [email protected].