Terms of Service

BEAR is a trading journal and AI performance-coaching app operated by BEAR, operated by Najashi Abdullah, in Oklahoma, United States. You log or import trades; BEAR analyzes them and coaches you on your process. BEAR is educational — not a broker, adviser, or fiduciary — and never executes trades. By creating an account or using BEAR you agree to these terms.

These Terms of Service form a binding agreement between you and BEAR, operated by Najashi Abdullah (“BEAR,” “we,” “us”). By creating an account, subscribing to a plan, or otherwise using BEAR, you agree to these terms and to our Privacy Policy. If you do not agree, do not use BEAR.

You must be at least 18 years old, or the age of majority in your jurisdiction, to use BEAR. If you use BEAR on behalf of a business, you represent that you have the authority to bind that business to these terms.

You are responsible for keeping your login credentials secure and for activity under your account. Give us accurate information, and update it when it changes. Do not share your account with anyone else.

BEAR is a trading journal and AI performance-coaching product. You log or import trades, and BEAR generates written reviews, pattern detection, and coaching based on your own data. BEAR reads — it does not execute trades and never touches your brokerage credentials. When brokerage connections ship, they use OAuth with read-only access; there is no field in the app that collects brokerage passwords or API keys, and there never will be.

Paid plans are billed through Stripe. Current plans:

Affiliate program. BEAR runs an invite-only affiliate program governed by a separate affiliate agreement. Commissions accrue, clear, and reverse per that agreement; nothing in these terms grants affiliate status.

7-day Platinum trial. You may start Platinum with a 7-day trial that requires a valid payment method. If you do not cancel before the trial ends, your card will be charged $49/month and your subscription will auto-renew each month at that price until cancelled.

Cancellation. You can cancel any subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period, and you keep access until then.

Refunds. Subscription fees are non-refundable except where required by law.

Founding scope. Founding is a recurring subscription, billed monthly or annually — it is not a one-time or lifetime purchase. Founding benefits apply while the subscription is active and end when it is cancelled or lapses. If BEAR is discontinued, access ends with the service.

Price changes. If we change the price of a subscription, we will notify you before the change takes effect and give you the chance to cancel before the new price applies.

Do not:

• Access the service without authorization, scrape it, or reverse engineer it.
• Resell, sublicense, or use the service to build a competing product.
• Submit content that is unlawful, infringing, or harmful, or that you do not have the right to submit.
• Interfere with, disrupt, or attempt to overload the service.
• Use BEAR to provide personalized investment advice to any third party.

We may suspend or terminate accounts that violate these terms.

You own the trades, screenshots, notes, and other content you submit (“Your Content”). You grant us a limited, non-exclusive, worldwide, royalty-free license to store, process, and display Your Content solely to operate and provide the service to you — including generating AI analysis and coaching for you. We do not sell Your Content, and one user’s content is never used to generate another user’s coaching.

BEAR’s analysis, reviews, patterns, scores, and coach messages are generated by machine-learning models. They may be inaccurate, incomplete, or wrong. They reflect patterns in the data you have submitted — not knowledge of your full financial situation, tax position, or goals. Do not rely on AI output as the basis for any trading decision.

BEAR is an educational and analytical tool. It is not a broker-dealer, investment adviser, financial planner, or fiduciary. Nothing in the app is investment, legal, or tax advice, or a recommendation to buy, sell, or hold any security or instrument. Trading involves substantial risk, including total loss of capital. Past performance does not predict future results. All trading decisions, and their results, are entirely yours.

Bear’s intelligence features combine public market data with your own historical trading patterns. This is educational coaching, not personalized investment advice.

The BEAR name, logo, product, code, design, and content (excluding Your Content) are owned by BEAR, operated by Najashi Abdullah, and are protected by intellectual-property laws. We grant you a limited, revocable, non-transferable license to use the service in accordance with these terms. No other rights are granted.

You may delete your account at any time by emailing withbear.app@gmail.com or using the account controls in the app. We may suspend or terminate your access if you materially breach these terms, or as required by law. Sections that by their nature should survive termination — including ownership, disclaimers, liability limits, indemnification, and governing law — survive.

The service is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty arising from course of dealing or usage of trade. We do not warrant that the service will be uninterrupted, error-free, or that AI output will be accurate.

To the maximum extent permitted by law, BEAR, operated by Najashi Abdullah, and its affiliates will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any trading losses, lost profits, or lost data, arising from or related to your use of the service.

Our total liability for any claim arising from or related to the service will not exceed the greater of (a) the amounts you paid us in the twelve months before the event giving rise to the claim, or (b) one hundred US dollars ($100).

You will indemnify, defend, and hold harmless BEAR, operated by Najashi Abdullah, and its affiliates from any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising from your use of the service, your content, your trading decisions, or your breach of these terms.

These terms are governed by the laws of the State of Oklahoma, United States, without regard to conflict-of-laws principles. The exclusive venue for any dispute arising from or related to these terms or the service is the state and federal courts located in Oklahoma, and you consent to personal jurisdiction there.

If we materially change these terms, we will update the “Last updated” date and notify you in the app or by email before the change takes effect. Your continued use of the service after that date means you accept the updated terms.

Questions: withbear.app@gmail.com.