Terms of Use

1. Definitions

In these Terms of Use, the following definitions apply:

• "Platform" means the Tirnu website, mobile application, and any related services.
• "We", "us", "our" refers to Tirnu and its operating entity.
• "You", "your" refers to the individual accessing or using the Platform.
• "Services" means the investment, trading, wallet, and information services provided through the Platform.
• "Digital Assets" means cryptocurrencies and other blockchain-based assets available on the Platform.
• "Account" means your registered user account on the Platform.
• "Content" means all data, text, charts, analysis, signals, and other information made available through the Platform.

2. Eligibility

To use the Tirnu Platform, you must meet the following requirements:

We reserve the right to refuse or terminate access to any user who does not meet these eligibility requirements or who provides false or misleading information during registration.

3. Our Services

Tirnu provides a unified investment platform offering the following services:

• Stock trading — access to equities listed on major exchanges, including fractional share investing
• Cryptocurrency trading — access to 50+ digital assets with transparent pricing and institutional custody
• ETF trading — access to exchange-traded funds within a single regulated account
• Wallet services — digital asset storage, transfer, and swap functionality
• Market data and analysis tools — real-time pricing, charts, signals, and AI-assisted analytical tools
• Automated investing — recurring investment features including dollar-cost averaging functionality
• Portfolio tracking — consolidated view of holdings across asset classes

4. Your Account

4.1 Registration

To use our Services, you must register for an Account and complete our identity verification process. You agree to provide accurate, current, and complete information during registration and to keep this information updated.

4.2 Account Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Account. You must:

• Choose a strong, unique password and not share it with anyone
• Enable two-factor authentication where available
• Notify us immediately at security@tirnu.com if you suspect any unauthorised access
• Not allow any third party to access your Account on your behalf

4.3 One Account Per Person

Each individual may only hold one Account. Creating multiple accounts is not permitted and may result in the suspension of all associated accounts.

4.4 KYC and AML Requirements

We are required by law to verify your identity and monitor transactions for anti-money laundering (AML) purposes. You agree to provide any documentation or information we request to fulfil these obligations. Failure to do so may result in restricted access or account closure.

5. Acceptable Use

5.1 Permitted Use

You may use the Platform only for lawful personal investment and financial management purposes, in accordance with these Terms and all applicable laws.

5.2 Prohibited Activities

You must not use the Platform to:

• Engage in any fraudulent, deceptive, or manipulative activity
• Conduct market manipulation, wash trading, or any form of price manipulation
• Use the Platform for money laundering, terrorist financing, or any other illegal financial activity
• Access or attempt to access the accounts of other users
• Use automated tools, bots, or scripts to access the Platform without our prior written consent
• Attempt to reverse-engineer, decompile, or extract the source code of the Platform
• Upload or transmit any malicious code, viruses, or harmful material
• Violate any applicable laws or regulations, including securities laws and data protection laws
• Harass, abuse, or harm other users or our staff

Violation of these restrictions may result in immediate account suspension, termination, and where appropriate, referral to relevant authorities.

6. Investment Risk

Before using our Services, you should carefully consider:

• Whether investing is appropriate for your personal financial situation
• Your investment objectives, risk tolerance, and time horizon
• That you could lose some or all of the money you invest
• That digital assets are not covered by investor compensation schemes in most jurisdictions
• That past performance of any asset is not indicative of future performance

If you are unsure whether investing is right for you, we recommend seeking independent financial advice from a qualified adviser.

7. No Investment Advice

The market data, analysis tools, AI-assisted signals, charts, and other content provided through the Platform are for informational and analytical purposes only. They are not personalised to your individual circumstances and should not be relied upon as the basis for any investment decision.

Tirnu does not act as your investment adviser, broker, or financial planner. We are a technology platform that facilitates the execution of investment instructions given by you.

8. Fees & Charges

8.1 Trading Fees

Our current fee structure is as follows:

• Stock trading — €0 commission per trade
• Cryptocurrency trading — 0.5% flat commission per transaction
• ETF trading — €0 commission per trade
• Asset swaps — 0.5% fee applied to the transaction value

8.2 Other Charges

Additional fees may apply in certain circumstances, including but not limited to currency conversion, network fees for blockchain transactions, and expedited withdrawal processing. All applicable fees will be clearly displayed before you confirm any transaction.

8.3 Fee Changes

We reserve the right to change our fee structure. We will provide at least 30 days' notice of any material fee changes via email and in-app notification before they take effect.

8.4 Taxes

You are solely responsible for determining and paying any taxes applicable to your use of the Platform, including taxes on investment gains. Tirnu does not provide tax advice. We recommend consulting a qualified tax adviser in your jurisdiction.

9. Intellectual Property

All content, trademarks, logos, software, and technology on the Platform are owned by or licensed to Tirnu and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any Platform content without our prior written consent.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial purposes in accordance with these Terms.

10. Limitation of Liability

10.1 No Warranties

The Platform and its content are provided on an "as is" and "as available" basis. We do not warrant that the Platform will be uninterrupted, error-free, or free from viruses or harmful components. We do not make any representations or warranties about the accuracy, completeness, or reliability of any market data, analysis, or other content on the Platform.

10.2 Limitation

To the fullest extent permitted by applicable law, Tirnu shall not be liable for:

• Any investment losses arising from your use of the Platform
• Any indirect, incidental, special, or consequential loss or damage
• Loss of profits, revenue, data, or business opportunity
• Losses arising from technical failures, platform downtime, or market disruptions beyond our reasonable control
• Any reliance placed on market data, analysis, or signals provided through the Platform

10.3 Indemnity

You agree to indemnify and hold Tirnu harmless from any claims, losses, damages, or expenses (including legal fees) arising from your breach of these Terms, your use of the Platform, or your violation of any applicable law.

11. Termination

11.1 Termination by You

You may close your Account at any time by contacting us at support@tirnu.com. Before closing your Account, you must withdraw all funds and settle any outstanding transactions. We will process account closure requests within 10 business days.

11.2 Termination by Us

We may suspend or terminate your Account immediately and without notice if:

• You breach any provision of these Terms
• We are required to do so by applicable law or regulatory requirement
• We reasonably suspect fraudulent, illegal, or abusive activity
• You fail to complete or maintain KYC requirements
• We decide to discontinue the Platform or a particular service

11.3 Effect of Termination

Upon termination, your right to access the Platform will cease immediately. We will provide reasonable assistance to help you withdraw any remaining funds, subject to applicable legal and regulatory requirements. Provisions of these Terms that by their nature should survive termination will continue to apply.

12. Governing Law & Dispute Resolution

12.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the European Union and, where applicable, the laws of the jurisdiction in which Tirnu is incorporated. For users based in Switzerland, Swiss law applies to the extent not superseded by EU law.

12.2 Dispute Resolution

In the event of a dispute arising out of or in connection with these Terms or the Platform, we encourage you to first contact us directly to seek an informal resolution. If a dispute cannot be resolved informally, it may be referred to the competent courts of the relevant jurisdiction.

12.3 Consumer Rights

Nothing in these Terms affects any statutory rights you may have as a consumer under applicable EU or Swiss consumer protection law. If any provision of these Terms conflicts with mandatory consumer protection laws in your jurisdiction, those laws will prevail.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services, applicable law, or regulatory requirements. We will notify you of material changes at least 30 days in advance by email and in-app notification. The updated Terms will be effective from the date specified in the notification.

Continued use of the Platform after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Platform and close your Account.

14. Contact

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