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Terms of Service

Effective Date: July 25, 2026

Last Updated: August 19, 2026

Company: Bucko Labs LLC

support@bucko.ai

Mobile terms

Bucko iOS 2.0

These mobile terms apply when you use Bucko on an iPhone. They add to the rest of these Terms. The Bucko iOS 2.0 release is an education and market-research app. It does not connect a broker, hold money or securities, place trades, manage a prop-firm account, or promise that an investment or trade will make money.

Research, market data, and AI limits

  • Quotes, charts, search results, historical examples, key levels, and projections can be delayed, stale, incomplete, or wrong. The app may label a quote as delayed by 15 minutes, but exchange rules, provider outages, and market conditions can create a longer delay.
  • Stock Time Machine and similar tools use historical estimates. They can leave out taxes, fees, spreads, liquidity, later deposits, and real-world trading limits. Past performance does not predict future results.
  • Look Around can guess the wrong public company. You must confirm the company before saving it. A scan, Watchlist item, Bucko IQ score, lesson, chart read, or AI explanation is not a recommendation to buy, sell, hold, or size a position.

Private XP, quests, and fair use

  • XP, levels, quests, badges, and local rankings are learning and entertainment features. They have no cash value, cannot be transferred, and do not prove investing skill or financial performance.
  • Only a fresh camera scan that passes Bucko's checks may earn XP. A saved photo is for research only. You may not automate scans, replay the same evidence, submit fake evidence, bypass limits, or manipulate rankings.
  • Public player profiles and a public player leaderboard are off in iOS 2.0. Bucko may remove invalid local or server records and may change anti-abuse rules to protect the service.

iOS subscriptions and Apple billing

  • Paid iOS access is sold through Apple's StoreKit. The price, currency, billing period, trial eligibility, renewal date, and offer shown by Apple at checkout control the purchase.
  • An auto-renewable subscription continues until you cancel it through Apple. You can manage or cancel it from Bucko's subscription controls or your App Store subscription settings. Deleting Bucko does not cancel Apple billing.
  • Apple handles iOS payment details and refund requests under Apple's terms. Any statement elsewhere in these Terms about Stripe or non-refundable web services does not remove a refund or cancellation right Apple or applicable law gives you.
  • Restore Purchases checks Apple's verified purchase history. Bucko may also keep a server record tied to your Bucko account so the same paid access can work across supported Bucko services.

Permissions, privacy, and account deletion

  • Camera, selected-photo, microphone, and approximate-location access are optional and used only for the feature explained at the permission prompt. Denying a permission must leave a reasonable non-permission path where the feature allows one.
  • Location, live conversational voice, remote Prop Desk image analysis, Plaid bank connections, and public player leaderboards are off in the iOS 2.0 release. Future versions may enable a feature only after the app gives a clear notice and the related privacy and safety checks are complete.
  • You may ask Bucko to delete your account and account-linked data. The public iOS release is required to let a signed-in user start account deletion inside the app. Deletion may require a fresh sign-in and does not erase records Bucko must keep by law or cancel an Apple subscription.
  • The mobile data Bucko uses, what stays on the phone, and which features are off are explained in the Bucko iOS 2.0 and Mobile Privacy section of our Privacy Policy.

1. Agreement to Terms

By accessing or using the Bucko website, web application, iOS app, or related services (together, the "App") operated by Bucko Labs LLC ("Bucko," "we," "us," or "our"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the App.

2. Eligibility

To use the App, you must be:

  • At least 13 years old. If you are under the age of legal majority where you live, a parent or legal guardian must agree to these Terms for you
  • At least 18 years old, or the higher legal age required where you live, before connecting a bank, broker, prop-firm account, enabling automated trading, or purchasing a feature restricted to adults
  • Located in a region where use of the App is lawful
  • In full compliance with these Terms

3. Service Overview

Bucko operates an ecosystem of educational and informational tools for personal finance, investing, and trading. The App and its sub-surfaces include Bucko Board, Screenshot Analysis, Bucko's trading tools, the Bucko Indicator, and the Monko automation tools. These products help users understand their own financial picture, study markets, and make more informed decisions. They are not a substitute for a licensed financial, legal, tax, or investment professional.

The entire App is for educational, informational, and entertainment purposes only. Nothing in the App constitutes financial, legal, tax, accounting, or investment advice, and nothing should be interpreted as a recommendation to buy, sell, or hold any security, contract, or instrument.

Our goal is to help users learn to trade better and, ultimately, to outgrow any need to rely on our tools. We are not a broker-dealer, not a registered investment adviser (RIA), not a fiduciary, and not a commodity trading advisor (CTA). Any trade that reaches a real brokerage account is executed by the user or by software the user has chosen to enable — not by Bucko.

3a. Automated Trading Tools (Monko)

Monko is an educational automation tool. It is not a portfolio manager, not a signal service, and not a guaranteed strategy. If you connect a real brokerage account and enable Monko, you are directing automated software to place orders on your behalf. You accept full responsibility for every order placed.

By enabling Monko or any other autonomous Bucko tool, you explicitly acknowledge and agree that:

  • You alone are responsible for monitoring, managing, and exiting every position the tool opens, modifies, or closes.
  • Guardrails (daily loss caps, max contracts, kill switches, consistency rule helpers, trailing stops, macro-window blocks) are convenience features, not guarantees. Broker outages, API failures, latency, fills slippage, and adverse market conditions can and will produce outcomes that guardrails do not prevent.
  • You must sign the in-app disclaimer on every session before Monko will operate, and you reaffirm the terms of this document each time you do so.
  • You are responsible for complying with the rules of any prop firm, broker, exchange, or regulator whose account or platform you connect. Bucko is not a party to that relationship.
  • You are solely responsible for any tax consequences, regulatory filings, broker fees, funding requirements, or prop-firm consistency-rule outcomes resulting from Monko's activity.
  • Past performance of Monko or any Bucko tool, whether simulated, backtested, or live, is not indicative of future results.

3a-i. Non-Custodial Platform & Regulatory Posture

Bucko operates as a non-custodial software platform. We do not receive, hold, transmit, custody, or manage customer funds or securities — whether traditional assets, equities, options, futures, forex, commodities, or cryptocurrency. Any order routed through any Bucko surface (Monko, the Alpha Agent, signal relays, webhook bridges, or any other automation) is transmitted to a third-party broker, prop firm, or exchange that you selected and authorized via their own APIs. That third party — not Bucko — holds your funds, executes your orders, and is responsible for clearing, settlement, custody, margin, and regulatory reporting.

Registration requirements imposed by regulators such as the SEC, FINRA, the CFTC, the NFA, and FinCEN typically apply to entities that hold or transmit customer funds, or that provide personalized investment advice for compensation. Bucko does none of those things. We provide educational software, analysis tools, and automation you direct — not advisory, brokerage, custody, money-transmission, or commodity-pool services. We periodically review our operations with a view to ongoing compliance with applicable local, state, and federal laws.

Nothing in these Terms should be construed as a representation that Bucko is a registered broker-dealer, investment adviser, commodity trading advisor, commodity pool operator, money transmitter, money services business, or financial institution. It is none of those things.

3b. Third-Party Broker & Prop Firm Connections

Bucko integrates with third-party brokers, prop firms, and data providers — including but not limited to Tradovate, AlphaFutures, Apex, Lucid, Traidify, Polygon, Alpaca, and others — via their official APIs (such as OAuth tokens).

  • Your relationship with your broker or prop firm is governed by their terms of service. Bucko is not a party to that agreement.
  • We do not guarantee the availability, accuracy, latency, or correctness of any data returned by third-party APIs. Orders, balances, positions, and P&L shown in the App may differ from what your broker considers authoritative.
  • Revoking or expiring an OAuth token may leave open positions that Bucko can no longer monitor. You remain responsible for those positions regardless of our ability to display them.

3c. AI Output, Third-Party Models & Hallucinations

Bucko uses third-party large-language models, inference providers, and data feeds (including but not limited to OpenRouter, Google, Anthropic, OpenAI, Polygon, Alpaca, Kalshi, and Polymarket) to power its agents and features. These third parties set and change their own models, pricing, rate limits, content policies, and availability at their discretion. Bucko does not warrant the accuracy, currency, completeness, or availability of any output from any such third party.

AI output can be wrong, stale, hallucinated, biased, or incomplete. Any signal, grade, briefing, chart read, play idea, or automated trade decision produced inside the App must be independently verified by you before it is relied upon with real capital. Bucko Board uses tested deterministic rules for metrics, hierarchy placement, and reason codes. AI may explain or discuss those stored results, but it does not replace or alter the underlying calculation. Bucko is not liable for any decision made in reliance on AI output, nor for any outage, degradation, or policy change at an upstream model or data provider.

3d. Signals & Content Are Not a Solicitation

Nothing in the App — whether from the Bucko Indicator, Monko, Scout, Warden, Coach, Oracle, Herald, the Guide, any other AI persona, community surface, or Bucko-published content — constitutes an offer, solicitation, or recommendation to buy, sell, hold, hedge, or size any security, contract, derivative, cryptocurrency, or other instrument in any jurisdiction where such an offer or solicitation would be unlawful. All content is educational and/or entertainment in nature.

3e. Third-Party Platform Compliance

You acknowledge that brokers, exchanges, and proprietary trading firms each maintain their own rules regarding the use of third-party tools, including but not limited to automated trading systems, copy traders, signal services, and technical indicators. Some platforms prohibit automation entirely; some additionally prohibit "association" with third-party tools regardless of whether automated execution occurred on their platform.

It is your sole responsibility to determine whether your use of any Bucko Labs LLC product — including but not limited to the Bucko Liquidity Engine indicator, Monko, the Station, Copy Trader, and any Discord, community, or related service — is permitted under the rules of any platform on which you trade.

Bucko Labs LLC makes no representation or warranty that its products are compatible with, permitted by, or safe to use on any specific third-party platform. You assume all risk of enforcement action by any third-party platform, including but not limited to account closure, payout denial, and platform bans. You agree to indemnify and hold Bucko Labs LLC harmless from any claim arising from such enforcement action.

4. Subscriptions and Billing

Direct Bucko Investor, Super, and Omni web subscriptions are sold through Stripe. Legacy subscriptions may continue through Skool or Whop, and iOS subscription plans may be sold through Apple's StoreKit. The exact amount due today, renewal amount, billing interval, trial eligibility, and other offer terms are shown by the payment provider before you pay.

  • Recurring plans renew automatically until canceled
  • You can manage or cancel a direct Bucko Investor, Super, or Omni subscription through the Stripe billing controls linked from your Bucko profile. Legacy Skool or Whop memberships remain manageable on those platforms
  • You can manage or cancel an iOS subscription through Bucko's StoreKit controls or your App Store subscription settings. Deleting your Bucko account does not cancel Apple billing
  • Deleting your Bucko account does not by itself cancel a membership managed on Skool or Apple. For linked Stripe and Whop subscriptions, Bucko requests cancellation before deletion and proceeds only after those providers confirm renewal is stopped
  • Refund eligibility is decided by the payment provider and applicable law. Apple handles refund requests for StoreKit purchases. For other services, you may cancel at any time to prevent future charges
  • For billing questions, contact support@bucko.ai

5. Use of Plaid and Linked Accounts

Plaid connections are not available in the Bucko iOS 2.0 release. This section applies only if you intentionally connect an account through a Bucko service where Plaid is available.

By connecting your financial accounts, you authorize us to use Plaid Inc. to access the account and transaction data you select for Bucko Board's cash-flow, spending, recurring-income, debt, and financial-picture tools.

Plaid connections are optional and read only. You may disconnect your linked accounts at any time. We do not store or access your bank login credentials.

6. User Conduct

By using Bucko, you agree not to:

  • Reverse-engineer, scrape, or misuse the App
  • Circumvent payment or subscription systems
  • Use Bucko to harass, impersonate, or exploit other users
  • Violate any applicable laws or regulations

We reserve the right to terminate access to the App for violations of these terms.

7. Intellectual Property

All content in the App — including design, branding, logos, AI insights, and copy — is owned by Bucko Labs LLC and protected by applicable copyright and trademark laws.

You may not reproduce, distribute, or exploit any part of the App without written permission.

8. Disclaimers & No Advice

Bucko does NOT provide investment, financial, legal, tax, or trading advice. Every surface of the App — including AI-generated briefings, signals, play ideas, chart analysis, macro takes, behavioral reads, and automated trade decisions made by Monko — is educational and/or entertainment content. Nothing you see here is a recommendation, offer, or solicitation to buy or sell anything.

By using the App you expressly agree that:

  • You are solely responsible for every trade, order, position, deposit, withdrawal, and outcome on any account you connect to the App.
  • You are solely responsible for monitoring, adjusting, and exiting positions — including positions opened, modified, or hedged by Monko or any other automation.
  • You will independently verify every signal, briefing, play, number, and order before acting on it. AI output can be wrong, stale, hallucinated, or incomplete.
  • No Bucko employee, agent, contractor, advisor, or AI persona (Scout, Warden, Coach, Oracle, Monko, the Guide, Herald, etc.) is your broker, adviser, or fiduciary.
  • Bucko is not liable for losses, gains, missed opportunities, blown evals, disqualified funded accounts, tax consequences, or any other outcome resulting from use of the App.
  • The purpose of the App is to teach you how markets move so you can eventually grow out of needing our tools. Do not treat Bucko as a substitute for your own judgment or a licensed professional.
  • Trading futures, options, equities, crypto, and derivatives involves substantial risk of loss and is not suitable for every investor. You may lose more than you deposit.
  • Past performance — whether of Bucko tools, the Bucko Indicator, Monko, any AI agent, or any individual user — is not indicative of future results.
  • Always consult a licensed financial advisor, CPA, or attorney for real guidance tailored to your situation.

8a. "As-Is" — No Warranty of Any Kind

THE APP AND ALL OF ITS FEATURES, AGENTS, INDICATORS, SIGNALS, BRIEFINGS, AUTOMATIONS, DATA, AND CONTENT ARE PROVIDED "AS-IS" AND "AS-AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND.

TO THE FULLEST EXTENT PERMITTED BY LAW, BUCKO LABS LLC AND ITS OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, ADVISORS, AND LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, AVAILABILITY, UNINTERRUPTED OR ERROR-FREE OPERATION, DATA INTEGRITY, AND NON-INFRINGEMENT. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY BUCKO OR ANY AI PERSONA CREATES A WARRANTY NOT EXPRESSLY STATED HEREIN.

8b. Risk Disclosure — Automated Trading Systems

Automated trading systems (including Monko and any auto-execution feature) carry inherent risks, including significant financial loss. Such systems operate on predetermined algorithms and AI models that may not fully adapt to changing market conditions, news events, illiquidity, gaps, slippage, latency, API outages, or broker downtime, and may therefore be unsuitable for some traders. You are advised to thoroughly assess your financial situation, risk tolerance, and the exact behavior of the automation before enabling it — and to monitor it continuously while it is running.

8c. Testimonials & Representative Results

Testimonials, reviews, screenshots, leaderboard entries, Hall of Records placements, and performance examples appearing on our site or within the App may not be representative of the experience of other users and are not a guarantee or predictor of future performance or success. Individual results vary and most traders lose money. Any profitability claim — ours, a featured user's, or a third party's — should be treated as anecdotal and verified independently.

9. Limitation of Liability

To the fullest extent permitted by law, Bucko Labs LLC disclaims all warranties and is not liable for:

  • Loss of data
  • Business interruptions
  • Errors or omissions in content
  • Financial decisions made based on app suggestions

Our liability is limited to the amount you paid for the App in the last 12 months (if any).

Consequential Damages Waiver. To the fullest extent permitted by law, Bucko is not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost revenues, lost opportunities, lost data, or loss of goodwill, even if Bucko has been advised of the possibility of such damages. These limitations apply regardless of the theory of liability (contract, tort, strict liability, statute, or otherwise) and survive any failure of essential purpose of any limited remedy.

9a. Indemnification

You agree to indemnify, defend, and hold harmless Bucko Labs LLC and its officers, directors, employees, contractors, agents, advisors, and licensors from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the App; (b) any order, trade, or position initiated or authorized via any account you connect to the App, including orders placed by Monko or any other automation you enable; (c) your violation of these Terms, any applicable law, any broker or prop-firm agreement, or any third-party right; (d) content you submit or share through the App; or (e) your negligence or willful misconduct.

9b. Force Majeure & Third-Party Outages

Bucko is not liable for any failure or delay caused by events beyond our reasonable control, including: acts of God, war, terrorism, civil unrest, government action, pandemic, fire, flood, power or internet outage, third-party data-feed or model interruption, broker or exchange downtime, prop-firm system failure, OAuth token expiration or revocation, cloud-provider incident, or cyberattack. You remain responsible for positions and accounts during any such event.

10. Termination

We may suspend or terminate your access to the App at any time for violations of these Terms. You may stop using the App and cancel your subscription at any time.

11. Changes to These Terms

We may update these Terms periodically. Continued use of the App after changes constitutes acceptance of the new terms.

12. Governing Law

These Terms are governed by the laws of the State of California, USA, without regard to its conflict of law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

12a. Binding Arbitration & Class Action Waiver

Any dispute, claim, or controversy arising out of or relating to these Terms, the App, the Disclaimer, the Privacy Policy, or your relationship with Bucko (a "Dispute") will be resolved by binding individual arbitration administered by a reputable arbitration provider in the State of California, USA, under that provider's then-current rules. Judgment on the award may be entered in any court of competent jurisdiction.

YOU AND BUCKO EACH WAIVE ANY RIGHT TO A JURY TRIAL AND ANY RIGHT TO BRING, JOIN, OR PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE PROCEEDING. Disputes must be brought only in your individual capacity. If this class-action waiver is held unenforceable, the entire arbitration provision shall be severed and Disputes shall be resolved in the state or federal courts located in California, to whose jurisdiction you consent.

Notwithstanding the above, (a) either party may bring an individual claim in small-claims court, and (b) either party may seek injunctive or equitable relief in court for misuse of intellectual property or breach of confidentiality.

30-Day Opt-Out. You may opt out of this arbitration provision by sending written notice to support@bucko.ai within 30 days of first accepting these Terms. Your notice must include your name, email, and a clear statement that you opt out of arbitration.

12b. Severability & Waiver

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid or unenforceable provision will be enforced to the maximum extent permitted by law. No failure or delay by Bucko to exercise any right under these Terms is a waiver of that right.

12c. Entire Agreement; Assignment

These Terms, the Disclaimer, and the Privacy Policy constitute the entire agreement between you and Bucko with respect to the App and supersede all prior or contemporaneous communications. You may not assign or transfer these Terms without our prior written consent; Bucko may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.

13. Contact

Questions about these Terms? Email us at: support@bucko.ai

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