Terms of Service

Last updated: 2026-05-09

These Terms of Service (the "Terms") govern your use of the website at candella.dev and the products and services made available through it (collectively, the "Service"), operated by Lutz Consulting Group, LLC, a Nevada limited liability company doing business as Candella ("Candella," "we," "us," or "our"). These Terms form a binding agreement between you and Candella.

By creating an account, accessing the Service, or clicking "I accept," you agree to these Terms. If you do not agree, do not use the Service.

These Terms incorporate by reference any product-specific addendum that applies to a product you use. If there is a conflict between these Terms and a product addendum, the product addendum controls for that product. The Candella Copytrade Addendum is at candella.dev/terms/copytrade.

1. Eligibility

You must be at least 18 years old and a resident of the United States to use the Service. You must have a valid brokerage account with one of the brokerages we support, and you must have the legal authority to use that account. By using the Service, you represent and warrant that you meet these requirements.

We may, at our discretion, decline to provide the Service to any person or in any jurisdiction.

2. Account Registration

To use most features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration, and to keep that information accurate. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us promptly if you suspect unauthorized access.

You may not share your account, transfer it, or use anyone else's account.

3. Description of the Service

Candella is a quantitative trading and research platform for individual investors. The Service may include tools for portfolio analysis, strategy backtesting, user-requested signal review, and copy trading through Candella Copytrade. The Service connects to your brokerage account through a third-party connectivity provider (currently Passiv Technologies Inc., operating SnapTrade) so that the Service can read your account data and place orders that you have authorized.

We do not custody assets. Your money and securities remain in your brokerage account at all times. We do not have authority to withdraw funds, transfer assets, or place orders that you have not authorized through the Service.

We may add, remove, or modify features at any time. We will provide reasonable notice of material changes that adversely affect existing functionality.

4. Not Investment Advice

Candella is not a registered investment adviser, broker-dealer, financial planner, or fiduciary. The Service does not provide investment advice. Nothing on the Service is an offer, solicitation, or recommendation to buy, sell, or hold any security, instrument, or asset, or to enter into any transaction.

The Service is a software tool. Decisions about which trades to make, when to make them, and which lead traders or strategies (if any) to follow are decisions you make for yourself. You are solely responsible for the consequences of those decisions, including any financial losses.

If you need investment advice, consult a licensed investment adviser or other qualified professional.

5. Risk Disclosures

You acknowledge and agree that:

• Investing involves risk, including the risk of total loss. Past performance does not predict future results. There is no guarantee that any strategy, trade, or copy-trading subscription will be profitable.
• Copy trading carries specific risks beyond ordinary investing. When you subscribe to a lead trader on Candella Copytrade, you authorize the Service to mirror that lead trader's trades into your brokerage account. The lead trader is not your fiduciary, has no obligation to act in your best interest, may make poor decisions, may stop trading, and is not responsible to you for losses you incur. See the Copytrade Addendum for additional copy-trading risk disclosures.
• Automated execution carries the additional risk of unintended trades. If you opt in to the automated execution mode, the Service places orders without your per-trade review. Bugs, network failures, broker outages, lead trader actions you would not have approved, and other events can result in losses you would not have incurred under manual approval. The opt-in process and the controls available to you are described in the Copytrade Addendum.
• You depend on third parties. The Service relies on your brokerage, on SnapTrade, and on other infrastructure providers. Outages, errors, latency, or rejections by these third parties can prevent, delay, or distort orders the Service attempts to place on your behalf. We do not control these third parties and are not responsible for their actions or failures.
• Market data may be delayed or wrong. Information shown on the Service may be incomplete, delayed, or incorrect. Do not rely on the Service as the sole source of market or account information.
• Tax consequences are your responsibility. Trades placed through the Service may have tax consequences. You are responsible for understanding and reporting them. We do not provide tax advice.

6. Subscription Fees and Billing

Some features of the Service require a paid subscription. If you subscribe, you authorize us to charge your payment method on a recurring basis until you cancel. Subscriptions renew automatically at the end of each billing period unless you cancel before renewal.

Fees are non-refundable except where required by law. If you cancel mid-period, you retain access until the end of the current billing period, and you are not charged again.

We may change subscription fees with at least 30 days' notice. If you do not agree to the new fees, you may cancel before they take effect.

If a payment fails, we may suspend or terminate your access to paid features until the payment is resolved.

7. User Obligations

You agree:

• To use the Service only for lawful purposes and in accordance with these Terms.
• To provide accurate, current, and complete information.
• To use only your own brokerage accounts and your own funds. You may not use the Service on behalf of any other person or entity without authorization.
• To comply with all laws applicable to your use of the Service, including securities laws, tax laws, anti-money-laundering laws, and the rules of your brokerage.
• Not to use the Service to engage in market manipulation, insider trading, layering, spoofing, wash trading, front-running, or any other manipulative or fraudulent trading practice.
• Not to attempt to access, modify, or disrupt the Service or its underlying systems, including by reverse engineering, scraping at scale, bypassing rate limits, or attacking other users.
• Not to use the Service in any manner that violates the rights of others.

If you are a lead trader, additional obligations apply; see the Copytrade Addendum.

8. Brokerage Relationship

The Service connects to your brokerage through SnapTrade. Your relationship with your brokerage is governed by the agreements between you and that brokerage, not by these Terms. We do not custody, hold, or have authority to remove your funds or securities. Your brokerage may, at its discretion, refuse, modify, cancel, or delay any order, including orders submitted by the Service on your behalf.

You are responsible for understanding the rules, fees, and risks associated with your brokerage account, including pattern day trader rules, options approval levels, margin requirements, and settlement timing.

If your brokerage relationship terminates or your brokerage disconnects from SnapTrade, parts of the Service that depend on that connection will stop functioning until you reconnect or connect a different brokerage.

9. Third-Party Services

The Service relies on services provided by third parties, including SnapTrade, Supabase, Vercel, Stripe (when applicable), and your brokerage. We are not responsible for the acts or omissions of these third parties. Your use of any third-party service is governed by the terms and policies of that third party.

10. Intellectual Property

The Service, including all software, content, designs, trademarks, and documentation, is owned by Candella or its licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for its intended purpose, subject to these Terms. We reserve all rights not expressly granted.

You retain ownership of any content you submit to the Service. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, reproduce, and display that content as necessary to operate the Service.

If you provide feedback or suggestions, we may use them without obligation to you.

11. Prohibited Uses

In addition to the obligations in Section 7, you may not:

• Use the Service if you are subject to U.S. sanctions or located in a jurisdiction subject to U.S. embargoes.
• Use the Service to launder money or finance terrorism.
• Use the Service to circumvent restrictions imposed by your brokerage, your country, or applicable law.
• Resell, sublicense, or otherwise commercialize the Service without our written permission.
• Operate a copy-trading service of your own that competes with the Service using data obtained from the Service.

We may monitor compliance with these prohibitions and may suspend or terminate accounts that violate them.

12. Termination

You may terminate your account at any time by following the deletion procedure in your account settings or by contacting us. Termination revokes the Service's access to your connected brokerage accounts.

We may suspend or terminate your account at any time, with or without notice, if we believe you have violated these Terms, if your account presents a security or compliance risk, if your account has been inactive for an extended period, or if we cease offering the Service. We will use reasonable efforts to notify you in advance where practical.

On termination, your license to use the Service ends, and we may delete your account information subject to the retention rules in our Privacy Policy. Sections that by their nature should survive termination (including disclaimers, limitations of liability, indemnification, and dispute resolution) survive.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, ACCURATE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THAT ORDERS WILL BE EXECUTED, EXECUTED AT A PARTICULAR PRICE, OR EXECUTED WITHIN ANY PARTICULAR TIME. WE DO NOT WARRANT THAT THE SERVICE OR ANY STRATEGY OR LEAD TRADER WILL BE PROFITABLE.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL CANDELLA, ITS AFFILIATES, OR ITS OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING DAMAGES FOR LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, OR TRADING LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, AND IN THOSE JURISDICTIONS, THESE LIMITATIONS APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

15. Indemnification

You agree to indemnify, defend, and hold harmless Candella, its affiliates, and their officers, employees, agents, and licensors from any claim, loss, damage, liability, cost, or expense (including reasonable attorneys' fees) arising out of or related to (a) your use of the Service, (b) your breach of these Terms, (c) your violation of any law or the rights of any third party, or (d) any trade or order placed through your account.

We may, at our option, assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense.

16. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Nevada, without regard to its conflict of laws principles. The federal and state courts located in Clark County, Nevada have exclusive jurisdiction over any claim that is not subject to arbitration under Section 17.

17. Dispute Resolution and Arbitration

Please read this section carefully. It affects your legal rights, including your right to bring a lawsuit in court.

Informal resolution. Before filing any claim, you agree to contact us at the address in Section 21 and try in good faith to resolve the dispute for at least 60 days.

Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved informally will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures, except for the carve-outs below. The arbitration will be conducted in Clark County, Nevada, or by video conference at the parties' option. Judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver. You and Candella each agree that any dispute will be resolved in your or our individual capacity only, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. If a court finds the class action waiver unenforceable as to a particular claim, that claim will be severed and resolved in court while the remaining claims proceed in arbitration.

Carve-outs. Either party may bring an individual action in small claims court if eligible. Either party may seek injunctive relief in court for misuse, infringement, or threatened infringement of intellectual property rights.

Opt-out. You may opt out of the arbitration agreement and class action waiver by sending a written notice within 30 days of first accepting these Terms to the address in Section 21. The notice must include your name, the email address associated with your account, and a clear statement that you are opting out. Opting out does not affect any other part of these Terms.

18. Changes to These Terms

We may update these Terms from time to time. If we make a material change, we will notify you by email or through the Service at least 30 days before the change takes effect, except that changes to the dispute resolution provisions in Section 17 take effect prospectively only and do not apply to disputes arising before the change. Your continued use of the Service after the change takes effect constitutes acceptance of the updated Terms.

19. Future Assignment to Candella Inc

The Service is currently operated by Lutz Consulting Group, LLC. The Service is expected to be assigned to a successor entity, currently anticipated to be Candella Inc, upon that entity's formation. You consent in advance to that assignment. On assignment, these Terms will apply to the successor entity with the same scope, and your account, subscriptions, and accrued obligations will continue without interruption. We will update the entity name in these Terms and notify you at the time of assignment.

20. General

Entire agreement. These Terms, together with our Privacy Policy and any product addendum that applies to a product you use, constitute the entire agreement between you and us regarding the Service and supersede any prior agreements.

No assignment by you. You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms freely.

Severability. If any provision of these Terms is held unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in effect.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision or our right to enforce it later.

Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control, including natural disasters, government actions, network outages, third-party service failures, and brokerage outages.

Notices. We will send notices to the email address on your account. You may send notices to us at the address in Section 21.

Headings. Section headings are for convenience only and do not affect interpretation.

21. Contact

Lutz Consulting Group, LLC, d/b/a Candella
10120 W Flamingo Rd, Ste 4-2055
Las Vegas, NV 89147-8394
United States
Email: jwlutz65@gmail.com