Terms of Service

1. Acceptance of Terms

GoldTrack is operated by Epik LLC dba Anchor Apps ("GoldTrack," "we," "our," or "us"). By accessing and using goldtrack.io (the "Site"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site.

2. Description of Service

GoldTrack provides real-time precious metals price tracking, historical data visualization, market news, and educational resources (collectively, the "Service").

2.1 Free Features

Core features including real-time price viewing, historical charts, market news, and educational content are available free of charge without registration.

2.2 Account-Based Features

Certain features require a registered account, including price alerts and portfolio tracking. By creating an account, you agree to provide accurate information and maintain the security of your login credentials.

2.3 Paid Subscription Services

Paid plans (Budget and Plus) are not currently open to new customers. Free accounts are not affected, and existing subscriptions continue under Section 16 until they end. If we offer paid plans again, Section 16 will apply to new subscriptions.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time. For paid subscribers, we will provide reasonable notice of material changes.

2.4 Eligibility

You must be at least 13 years old to use the Site. You must be at least 18 years old, or the age of majority where you live, to buy a paid subscription.

3. Regulatory and Financial Disclaimers

3.1 Price Data Disclaimer

• Price data is provided for informational and educational purposes only
• Prices may be delayed and may not reflect real-time market conditions
• Price data may contain errors, delays, or omissions
• We do not guarantee the accuracy, completeness, or timeliness of any data
• Prices displayed may differ from executable prices available through brokers or exchanges
• Historical performance does not indicate future results

3.2 No Investment Advice

The information provided on this Site does not constitute financial, investment, trading, or other professional advice. Nothing on this Site should be construed as a recommendation to buy, sell, or hold any security, commodity, or investment.

You should consult with a qualified financial professional before making any investment decisions. Any reliance you place on information from this Site is strictly at your own risk. We are not liable for any financial losses resulting from use of information on this Site.

4. User Conduct

You agree to use the Site only for lawful purposes. You must not:

• Attempt to gain unauthorized access to the Site or its systems
• Use automated tools (bots, scrapers) to extract data without permission
• Interfere with the proper functioning of the Site
• Transmit malicious code, viruses, or harmful content
• Violate any applicable laws or regulations
• Infringe upon the intellectual property rights of others

5. Intellectual Property

5.1 Our Content

All content on the Site, including text, graphics, logos, images, and software, is the property of GoldTrack or its licensors and is protected by copyright and other intellectual property laws.

5.2 Permitted Use

You may view, download, and print content from the Site for personal, non-commercial use only. You may not modify, reproduce, distribute, or create derivative works without our prior written consent.

5.3 Copyright Complaints

If you believe something on the Site infringes your copyright, email legal@goldtrack.io with: a description of the work; the URL of the material on the Site; your name, address, phone number and email; a statement that you believe in good faith that the use is not authorized by the owner, its agent or the law; a statement, under penalty of perjury, that your notice is accurate and that you are the owner or authorized to act for the owner; and your physical or electronic signature. We will review each notice and remove material that infringes.

6. Third-Party Links and Content

The Site may contain links to third-party websites or services. We do not endorse or assume responsibility for third-party content, products, or services. Your use of third-party websites is at your own risk and subject to their terms and conditions.

We display news articles and market data from external sources for educational purposes. We are not responsible for the accuracy or availability of third-party content.

6.1 Affiliate Links

Some links on the Site may be affiliate links. If you click one and buy something, we may earn a commission at no extra cost to you. Affiliate relationships never affect the prices we show, and we don't sell metals ourselves. The retailer, not GoldTrack, is responsible for your purchase.

7. Limitation of Liability

GoldTrack, its affiliates, and service providers shall not be liable for any:

• Direct, indirect, incidental, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages arising from your use or inability to use the Site
• Damages resulting from reliance on information provided on the Site
• Errors, inaccuracies, or omissions in content or data

This limitation applies even if we have been advised of the possibility of such damages.

8. Indemnification

You agree to indemnify, defend, and hold harmless GoldTrack and its affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Site or violation of these Terms.

9. Disclaimer of Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties that the Site will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy or reliability of content

10. Privacy

Your use of the Site is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect and use information.

11. Termination

We reserve the right to terminate or suspend your access to the Site at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

12. Changes to Terms

We may modify these Terms at any time. Changes take effect when they are posted to the Site, except where these Terms promise notice in advance (Sections 2.3 and 16.1). Your continued use of the Site after changes are posted constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

13. Dispute Resolution and Arbitration

If you are a consumer in the EU, EEA, UK or Switzerland, Sections 13.1 and 13.2 do not apply to you, and you may bring proceedings in the courts of the country where you live. Section 13.3 does not deprive you of the protection of the mandatory laws of that country.

13.1 Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

The arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall be conducted by a single arbitrator. Judgment on the arbitration award may be entered in any court having jurisdiction.

13.2 Class Action Waiver

YOU AND GOLDTRACK AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Unless both you and GoldTrack agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

13.3 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, United States, without regard to its conflict of law principles. To the extent any dispute is not subject to arbitration, you agree to submit to the exclusive jurisdiction of the state and federal courts located in Wayne County, Michigan.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and GoldTrack regarding your use of the Site.

16. Subscription Terms and Billing

16.1 Subscription Plans

GoldTrack offers the following subscription tiers:

• Free: Free tier with 10 price alerts, 50 holdings in your portfolio, portfolio Insights, full portfolio stats, CSV import and export, and ads
• Budget: Paid tier with up to 10 price alerts, 50 holdings in your portfolio, everything in Free, and an ad-free experience
• Plus: Paid tier with up to 25 price alerts, unlimited holdings in your portfolio, everything in Free, and an ad-free experience

Existing subscribers can see their price under Plans and billing in the account menu. We reserve the right to change prices with 30 days advance notice to existing subscribers.

16.2 Billing and Payment

• Subscriptions are billed in advance for each billing period (monthly or annually, depending on the plan you choose)
• Payment is processed securely through Stripe. We do not store your credit card details
• All prices are displayed in USD unless otherwise indicated
• Applicable taxes may be added based on your location
• You authorize us to charge your payment method for recurring subscription fees

16.3 Free Trial

New subscribers may be eligible for a 7-day free trial. You will not be charged during the trial period. If you do not cancel before the trial ends, your subscription will automatically convert to a paid subscription and your payment method will be charged.

16.4 Auto-Renewal

YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW at the end of each billing period unless you cancel before the renewal date. You can cancel anytime through your account settings or the Stripe customer portal.

16.5 Cancellation

• You may cancel your subscription at any time
• Cancellation takes effect at the end of your current billing period
• You will retain access to paid features until your current period ends
• After cancellation, your account reverts to the free tier
• Your data (alerts, portfolio) is retained but feature access may be limited

16.6 Refunds

If you are not happy with a charge, you can get a full refund if you ask within 14 days of that charge. Email support@goldtrack.io from your account email and tell us which charge it is. We refund to the original payment method, normally within 14 days of your request. If you cancel during your free trial, you are not charged.

17. European Union Consumer Rights

17.1 Right of Withdrawal (Cooling-Off Period)

Under EU consumer law (Directive 2011/83/EU) and, in the UK, the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have the right to withdraw from your subscription within 14 days of the day you subscribe, without giving any reason. We offer consumers in Switzerland the same right.

To exercise your right of withdrawal, you must inform us of your decision by a clear statement (e.g., email to support@goldtrack.io). You may use the following template:

17.2 Effects of Withdrawal

If you withdraw within the 14-day period, we will reimburse all payments received from you without undue delay and no later than 14 days from the day we receive your withdrawal notice. We will use the same payment method you used for the initial transaction.

17.3 Using the service during the withdrawal period

You can start using your paid plan straight away. If you withdraw within 14 days, you still get a full refund (see Section 16.6).

17.4 Additional EU Consumer Rights

Nothing in these Terms affects your statutory rights as a consumer under applicable EU law, including:

• Right to clear pre-contractual information
• Right to a service that conforms to the contract (Directive (EU) 2019/770 on digital content and digital services)
• Protection against unfair contract terms
• Right to complain to your local consumer protection authority

If you are in the EU, you can also contact the European Consumer Centre in your country for help with a cross-border dispute.

18. Contact Information

If you have questions about these Terms, please contact us: