Terms of Sale (Conditions Générales de Vente)

1. Service Description and Pricing

Realite offers subscription-based financial information and portfolio tracking services:

• Free Plan: Basic portfolio tracking with limited features
• Premium Plan: Advanced analytics, AI insights, and unlimited tracking
• Enterprise Plan: Custom solutions for institutional users

All prices are displayed in USD and are subject to applicable taxes. Prices may change with 30 days' notice to existing subscribers.

2. Payment Terms

2.1 Subscription Billing

• Subscriptions are billed in advance on a monthly or annual basis
• Payment is due immediately upon subscription or renewal
• We accept major credit cards and other payment methods as displayed
• Failed payments may result in service suspension

2.2 Automatic Renewal

Unless cancelled, subscriptions automatically renew at the end of each billing period. You will be charged the then-current subscription fee.

3. Service Limitations and Disclaimers

4. Limitation of Liability for Financial Losses

5. Refund Policy

5.1 General Refund Terms

• Refunds are available within 7 days of initial subscription
• No refunds for partial months or unused portions of subscriptions
• Refunds are processed to the original payment method within 5-10 business days
• Refund requests must be submitted through our support system

5.2 Non-Refundable Situations

• Refunds will not be provided for financial losses incurred from using our service
• No refunds for dissatisfaction with market performance or investment outcomes
• No refunds for account termination due to terms violations
• No refunds for services used beyond the 7-day trial period

6. Cancellation Policy

6.1 User-Initiated Cancellation

• You may cancel your subscription at any time through your account settings
• Cancellation takes effect at the end of your current billing period
• You retain access to paid features until the end of your billing period
• No partial refunds for early cancellation

6.2 Service-Initiated Cancellation

We may cancel your subscription for:

• Violation of our Terms of Use
• Fraudulent activity or payment issues
• Abuse of our service or other users
• Legal or regulatory requirements

7. Service Availability and Uptime

While we strive for high availability, we do not guarantee:

• 100% uptime or uninterrupted service
• Real-time data accuracy or availability
• Compatibility with all devices or browsers
• Access to third-party data sources

Service interruptions do not entitle you to refunds or credits unless they exceed 24 consecutive hours.

8. Data and Privacy

Your financial data is protected according to our Privacy Policy. We implement industry-standard security measures but cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

9. Third-Party Services

Our service may integrate with third-party data providers, brokers, or financial institutions. We are not responsible for:

• Third-party service availability or accuracy
• Data provided by third parties
• Third-party terms of service or privacy policies
• Fees or charges imposed by third parties

10. Intellectual Property

All content, algorithms, and technology used in our service are proprietary to Realite. You may not:

• Reverse engineer or attempt to extract our algorithms
• Resell or redistribute our service or content
• Use our service for commercial purposes without permission
• Create derivative works based on our service

11. Force Majeure

We shall not be liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including but not limited to:

• Natural disasters, pandemics, or government actions
• Internet outages or third-party service failures
• Market closures or regulatory changes
• Cybersecurity incidents or data breaches

12. Dispute Resolution

Any disputes arising from these terms or your use of our service will be resolved through:

• Good faith negotiation
• Binding arbitration if negotiation fails
• Individual claims only (no class actions)
• Governing law as specified in our Terms of Use

13. Changes to Terms

We may modify these terms at any time. Material changes will be communicated via email or platform notification. Continued use of our service after changes constitutes acceptance of the new terms.

14. Contact Information

For questions about these terms or billing issues, contact us at:

• Email: billing@realite.com
• Support: support@realite.com
• Address: [Your Business Address]