Terms of use

These terms apply when you download or use the Online Trading Leads app. By using the app you agree to them. If you do not agree, please do not use the app.

Who provides the app

The app is provided by the developer named in the details at the top of this page ("we"). You can reach us at the email address given there.

Using the app

We give you a personal, non-exclusive, non-transferable licence to use the app on devices you own or control, for your own business, under these terms and the rules of the store you got it from. The app is for people aged 18 and over.

Use the app lawfully. Do not copy, resell or reverse-engineer the app except where the law allows it.

Not a financial service

The app is a lead and CRM tool for people who sell financial services. It does not provide trading, signals, brokerage or investment advice, it does not hold or move money, and it does not buy, sell or share leads. The name "Online Trading Leads" says who the app is for, people who work in finance and trading education; the app itself has no trading features.

Nothing in the app, its templates or these terms is financial, investment, pension, insurance, tax or legal advice, to you or to your clients, and we are not your adviser or your compliance officer.

The templates are suggested wording only. They never promise returns or profits and end with a line such as "General information, not investment advice." The warning that appears when your own text reads like a promise of returns is a help, not a check that your text is allowed. You are responsible for what you post and send, and for holding any licence your work needs.

Free start

You can use the app free to make your WhatsApp link and QR, and to add your first lead and log what happens with it. After that, a subscription is needed to keep using the app, including adding more leads, writing posts, status images, QR cards and referral asks. Exporting your data and the consent log, restoring a purchase, these terms and the privacy policy stay available with or without a subscription.

Subscriptions

• The plans, periods and prices are the ones shown on the app's plan screen and in the store before you confirm.
• Payment is charged to your App Store or Google Play account when you confirm the purchase.
• Subscriptions renew automatically at the end of each period (week, month or year) unless you cancel at least 24 hours before the period ends.
• You can manage or cancel at any time in your App Store or Google Play subscription settings. After cancelling, the plan stays active until the end of the period you paid for.
• A free trial, when offered, is 7 days and once per person, and is offered only when the store says your account can still use it. If you cancel at least 24 hours before the trial ends, you are not charged.
• Refunds are handled by Apple or Google under their rules; we cannot issue store refunds ourselves.

Fair use: messages you send

The app opens your own phone, WhatsApp, SMS or email app; it never sends a message for you. Message only people who contacted you, whom you have worked with or who agreed to hear from you, one at a time. Respect the do-not-contact list, withdrawn consent and the rules of your licence and of the places you advertise, such as the rules on financial advertising and on marketing messages. Do not send bulk or unsolicited messages, and do not message people from bought or rented lists.

Post templates and message texts are suggestions built from what you type. Check them before you post or send. You are responsible for what you publish and send, for the rules of the platform or group you post in, and for the privacy, marketing and anti-spam laws that apply to your business.

Consent records and the do-not-contact list

The consent records and the do-not-contact list hold what you enter. The app does not check that consent was really given, and a record in the app is not by itself proof that a message is allowed. The block on the Call, WhatsApp, SMS and email buttons covers the numbers and addresses on the list on that phone, when you contact people from the app.

Keep the records your rules require for as long as they require. Export the consent log before you use Delete my data or remove the app, because both delete it from the phone.

Uses that are not allowed

The app is not for crypto schemes, gambling, payday or other short-term loans, or adult services. Do not use it to offer a financial service you are not licensed or allowed to offer, to promise returns or profits, or for anything else that is unlawful, misleading or harmful.

Your data and your clients' data

Your data is yours. It is stored on your phone, not with us, so we cannot recover it if the phone is lost, reset or the app is deleted. Export a copy regularly and keep your phone's backup on if you want a safety net.

The leads you record are other people's personal information. You decide what to keep about them and why, and you are responsible for keeping it lawfully and deleting it when you no longer need it.

No promise of results

The app helps you get in touch with clients and keep track of them. It does not promise leads, clients, sales or any result, and nothing in it is a promise about any financial product.

No warranty

We work to keep the app reliable, but it is provided "as is", without warranties of any kind, as far as the law allows. Reminders depend on your phone's settings and may arrive around the set time rather than exactly on it. This does not take away rights you have as a consumer under the law of your country.

Limitation of liability

As far as the law allows, we are not liable for indirect or consequential loss, such as lost profits, lost clients, lost data or business interruption, arising from use of the app, or for decisions you or your clients make about money, investments, pension, insurance or loans. Where we are liable, our total liability is limited to the amount you paid for the app in the 12 months before the claim. Nothing here limits liability that the law does not allow to be limited.

If you got the app from the App Store

• These terms are between you and us only, not Apple. We, not Apple, are solely responsible for the app and its content.
• Your licence is limited to using the app on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
• We, not Apple, are responsible for any maintenance and support of the app. Apple has no obligation to provide them.
• If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the app. To the maximum extent permitted by law, Apple has no other warranty obligation regarding the app.
• We, not Apple, are responsible for addressing any claims by you or a third party relating to the app or your possession or use of it, including product liability claims, claims that the app fails to conform to any legal or regulatory requirement, and claims under consumer protection, privacy or similar laws.
• If a third party claims that the app or your possession or use of it infringes their intellectual property rights, we, not Apple, are solely responsible for the investigation, defence, settlement and discharge of that claim.
• You confirm that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• Questions, complaints or claims about the app go to us, at the contact details at the top of this page.
• Apple and its subsidiaries are third-party beneficiaries of these terms, and once you accept them, Apple has the right to enforce them against you as a third-party beneficiary.

Ending

You can stop using the app at any time by deleting it; cancel any subscription in your store settings as well. We may stop offering the app; if we do, we will tell you in the app and you can still export your data and the consent log.

Changes to these terms

If these terms change, the new version will have a new date and the app will show it. Changes do not affect a period you have already paid for.

Law

These terms are governed by the laws of Israel. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live.