Terms of service

1. What Gro is

Gro is a financial planning and research tool. It lets you set goals, build planning pipelines from quantitative tools, run projections and analytics, view connected brokerage accounts, and send orders you have confirmed to your own broker.

2. What Gro is not

• Gro is not authorised or regulated by the Financial Conduct Authority.
• Gro does not provide investment, financial, tax or legal advice, and does not make personal recommendations.
• Gro is not a broker, does not hold your money or assets, and does not execute trades. Your broker does.
• Projections, simulations, scores and analytics are estimates based on historical data and assumptions you set. They are not forecasts or guarantees.

You make every decision yourself and are responsible for it. The value of investments can fall as well as rise, and you may get back less than you put in. Past performance is not a reliable indicator of future results. If you need advice, speak to a regulated financial adviser.

3. Eligibility

You must be at least 18, able to enter a binding contract, and resident in a country where Gro is offered. You must use the Service for yourself, or for a business you are authorised to act for.

4. Your account

• Give accurate information and keep it up to date.
• Keep your login details secure. Do not share your account.
• Tell us at info@groequity.co if you suspect unauthorised access.
• You are responsible for activity on your account, including orders confirmed from it.

5. Broker connections and SnapTrade

Gro connects to brokers through SnapTrade, operated by Passiv Inc. By connecting a brokerage account you:

• agree to SnapTrade's End User Terms and privacy policy, which form a separate agreement between you and SnapTrade;
• authorise SnapTrade and Gro to access, process and store your account data to provide the Service;
• confirm the account is yours and that you are permitted to connect it;
• remain bound by your broker's own terms, fees and rules.

You choose the permission level for each connection. You can disconnect at any time. Gro does not control SnapTrade or your broker and is not responsible for their availability, data accuracy, outages or errors. Data shown in Gro may be delayed or incomplete. Check your broker's own records before relying on it.

6. Orders

• Gro never places an order without your confirmation. Every order is shown to you for review and sent to your broker only when you confirm it.
• You are responsible for checking every order before you confirm it, including the instrument, quantity, price and order type.
• Once sent, an order is handled by your broker under its terms. Gro cannot guarantee that an order will be accepted, filled, filled at a particular price, or cancelled.
• Pipelines and signals are tools you set up. A goal's pipeline uses Gro's quantitative tools to build portfolios within the limits you choose. You choose which portfolio to use, and you confirm each of its trades before it is sent.
• Gro keeps a record of every order sent through the Service.

7. Advisers

If you link your account to an adviser using Gro:

• the adviser can view your goals, holdings and analytics, and send you recommended goals and pipelines;
• you decide whether to accept, reject or ask for changes to any recommendation;
• the adviser cannot place orders, change broker connections, settings or billing;
• your relationship with the adviser, including any advice they give, is between you and them. Gro is not responsible for it;
• you can separate from the adviser at any time. Your account then moves to the matching individual plan.

Advisers using Gro are responsible for holding any authorisation their activities require and for their own compliance.

8. Plans and payment

• Gro is offered on paid plans, billed monthly in advance. Current plans, prices and features are shown on our pricing page and at checkout.
• Prices include VAT where it applies.
• Plans renew automatically until you cancel. You can cancel at any time in your account settings. Your plan stays active until the end of the period you have paid for.
• Features available depend on your plan. If you move to a lower plan, features outside it are locked but your data is kept.
• We may change prices. We will give you at least 30 days' notice by email before a change applies to you, and you can cancel before it takes effect.
• Fees charged by your broker are separate and are set by your broker.

9. Money-back guarantee and cancellation rights

If you are not satisfied, request a refund within 14 days of your first payment by emailing info@groequity.co and we will refund that payment in full. This guarantee applies once per customer.

This guarantee is in addition to your statutory rights. If you are a consumer, nothing in these terms affects your rights under the Consumer Rights Act 2015.

10. Acceptable use

You must not:

• use the Service for any unlawful purpose, including market manipulation, insider dealing or money laundering;
• connect an account you do not own or are not authorised to use;
• use Gro to manage or trade other people's money for payment unless you hold the authorisation required to do so;
• copy, reverse engineer, scrape or resell the Service, its algorithms or its data;
• interfere with the Service's security or overload its systems;
• upload malicious code or content that infringes others' rights.

11. Intellectual property

Gro owns the Service, including its software, algorithms, designs and content. We grant you a personal, non-transferable, revocable licence to use the Service for its intended purpose while your account is active. You own the goals, notes and content you enter, and you grant us a licence to use it to provide the Service. If you send us feedback, we may use it without obligation to you.

12. Third-party services and data

The Service relies on third parties, including SnapTrade, brokers and market data providers. Their services are governed by their own terms. Market data is provided for information only, may be delayed, and is not guaranteed to be accurate or complete.

13. Availability

We aim to keep the Service available but do not guarantee it will be uninterrupted or error free. We may change, suspend or withdraw features, with notice where reasonably possible.

14. Liability

• Nothing in these terms limits liability for death or personal injury caused by negligence, fraud, or anything else that cannot be limited by law.
• We are not liable for investment losses, trading outcomes, missed opportunities, or decisions you make using the Service.
• We are not liable for the acts, omissions, delays or errors of SnapTrade, your broker, market data providers or any other third party.
• We are not liable for loss of profit, business or data, or for any indirect or consequential loss.
• Our total liability to you in any 12 month period is limited to the greater of £100 and the fees you paid us in that period.

15. Suspension and termination

You can close your account at any time in settings. We may suspend or close your account if you breach these terms, if required by law, or if SnapTrade or a broker withdraws access. Where reasonable, we will give notice first. On closure, broker connections are removed and your data is handled as described in our Privacy Policy.

16. Changes to these terms

We may update these terms. For material changes we will give at least 30 days' notice by email or in the app. If you keep using the Service after a change takes effect, the new terms apply. If you do not agree, you can cancel before then.

17. General

• These terms, our Privacy Policy and any plan terms shown at checkout are the whole agreement between us.
• If any part of these terms is unenforceable, the rest remains in effect.
• We may transfer this agreement as part of a sale, merger or licence of the business. You may not transfer it without our consent.
• If we do not enforce a right immediately, we can still enforce it later.
• No one other than you and us has rights under these terms.

18. Governing law and disputes

These terms are governed by the law of England and Wales. The courts of England and Wales have jurisdiction, except that if you are a consumer living in Scotland or Northern Ireland, you may also bring proceedings in your local courts.

19. Contact

Gro Equity Ltd, Abbey Farm, Church Street, Higham, Rochester, England, ME3 7LS. Email: info@groequity.co.