Terms of Service

1. Acceptance & Eligibility

By creating an account or otherwise accessing the Service, you represent that you (a) are at least 18 years old, (b) have the legal capacity to enter into a binding contract, and (c) are not prohibited from using the Service under the laws of the United States or your jurisdiction, including any applicable sanctions or export-control programs.

The Service is operated from the United States. Users outside the United States access the Service at their own initiative and are responsible for compliance with local laws.

2. What Myron Is (and Is Not)

Myron is a software publisher of impersonal, objective options-market data and analytics. The Service applies user-defined filter parameters (such as target delta, days-to-expiry, and minimum premium) to publicly available options data and surfaces contracts that match those parameters. Output is generated mechanically by software based on inputs you provide; it is not adapted to your individual financial situation, risk tolerance, or investment objectives.

Myron operates as a general-circulation publisher of financial information. Our analyses and screener results are bona fide, impersonal, and made available on a regular basis, consistent with the publisher's exclusion under the Investment Advisers Act of 1940 (as construed in Lowe v. SEC, 472 U.S. 181 (1985)).

Myron is not:

• a registered investment adviser (RIA)
• a broker-dealer
• a futures commission merchant or commodity trading advisor
• a member of FINRA, SIPC, NFA, or any self-regulatory organization
• a fiduciary to you
• licensed under the Investment Advisers Act of 1940

Myron does not hold customer funds or securities, does not custody assets, and does not have discretionary authority over any account.

3. Not Financial Advice

Myron does not perform suitability assessments, does not classify users by risk tolerance, does not evaluate your overall financial situation, and does not provide portfolio-level advice. You are solely responsible for evaluating whether any contract surfaced by the Service is appropriate for you and for consulting a qualified professional before making investment, tax, or legal decisions.

4. User Accounts

Account creation and authentication are handled through Firebase Authentication. You agree to (a) provide accurate, current, and complete information; (b) keep your credentials confidential; (c) promptly notify us of any unauthorized access at [email protected]; and (d) accept responsibility for all activity under your account, whether or not authorized by you.

Each account is for a single individual. You may not share, sell, or transfer your account, and you may not use the Service on behalf of any third party.

5. Pricing Tiers, Billing & Refunds

Myron offers a free Starter tier and three paid subscription tiers (Income, Wealth, Ultra), priced by your total portfolio cost basis. Your tier is determined automatically based on the cost basis you record in the Service.

Paid subscriptions are billed monthly in advance through Stripe, Inc. By subscribing, you authorize recurring charges to your selected payment method until you cancel. Prices are listed in U.S. dollars. We may change prices on at least 30 days' notice to existing subscribers; continued use after the effective date constitutes acceptance of the new price.

All fees are non-refundable except where required by law. Cancellations stop future renewals but do not refund the current billing period. Tier upgrades take effect immediately with prorated charges applied at the next renewal.

6. Cancellation & Termination

You may cancel your subscription at any time through the Stripe Customer Portal accessible from your account settings. Upon cancellation, you retain access to your paid tier through the end of your current billing period. You may delete your account at any time from account settings.

We may suspend or terminate your account at our sole discretion if you breach these Terms, if your activity creates risk for the Service or other users, or if required by law. Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination — including Sections 2, 3, 11, 13, 15, 16, 17, 18, and 19 — will survive.

7. Brokerage Connection (SnapTrade)

The Service integrates with SnapTrade, a third-party brokerage-connectivity provider, to read holdings from your brokerage account and to route orders to it on your instruction. SnapTrade is operated independently and is subject to its own terms of service and privacy policy, which you accept when you connect your account.

When you connect a brokerage account, we receive limited account metadata (broker name, account identifier, masked account number), your equity holdings, and your existing options positions. We do not receive your brokerage login credentials. Authentication is performed entirely between you and your broker through SnapTrade's secure flow. Your SnapTrade user secret is encrypted at rest using AES-256-GCM.

You may disconnect your brokerage at any time from account settings. Disconnecting revokes SnapTrade's ability to read your account or route further orders. We are not your broker, do not custody your funds, and are not responsible for the acts or omissions of SnapTrade or your broker.

8. Order Execution & User Responsibility

The Service does not auto-trade. Every order routed to your broker requires your explicit, per-order confirmation, given by clicking “Confirm & Send to Broker” in the Service or, when SMS confirmation is enabled, by replying with the unique confirmation code we send to the phone number you have provided. Myron does not place orders on a schedule, does not auto-roll, does not auto-close, and does not exercise discretion over your account.

Orders routed through SnapTrade are limit orders. Limit orders may not fill, may fill partially, may fill at a price different from the displayed quote, or may be rejected by your broker for any reason. Once an order has been transmitted, modifications and cancellations must be made directly with your broker.

You are solely responsible for every trading decision, for the accuracy of the inputs you provide (including cost basis and contract counts), for tax consequences of your trades, and for compliance with your broker's margin and options-approval requirements.

9. SMS Program

The Service offers an optional SMS notification program. You opt in by enabling SMS notifications in your account settings and providing a U.S. mobile number. SMS is never required to use the Service, and your consent to receive SMS is not a condition of any purchase.

Categories of messages include: (a) transactional trade-confirmation prompts containing a one-time confirmation code; (b) order-execution confirmations; (c) trade outcome notifications (expiration, assignment, etc.); and (d) periodic screener summaries (no more than once per day, and only if you have selected a daily or weekly schedule).

Reply STOP to any message to opt out of further SMS. Reply HELP for help. Message and data rates may apply from your carrier. Carriers are not liable for delayed or undelivered messages. We honor opt-outs immediately and do not sell or share phone numbers with third parties for their marketing purposes.

Trade-confirmation SMS messages contain trade details. Anyone with access to your phone may be able to view or respond to these messages. You are responsible for the security of your device and SIM.

10. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation, including securities laws and the rules of any exchange or self-regulatory organization
• Attempt to gain unauthorized access to any account, system, or data, or interfere with the Service's operation
• Reverse engineer, decompile, disassemble, or attempt to derive source code from any part of the Service
• Scrape, crawl, harvest, or extract data from the Service through automated means beyond the documented and authorized API
• Resell, redistribute, sublicense, or commercially exploit the Service or its outputs
• Use the Service to violate the terms of service of SnapTrade, your broker, or any third-party service
• Impersonate any person, misrepresent your affiliation, or use the Service to deceive others
• Use the Service to develop a competing product or to train machine-learning models

11. Data Accuracy & Market Risk

Market data displayed by the Service is sourced from third-party providers (including Polygon.io) and may be delayed, incomplete, or inaccurate. Quotes, Greeks, implied volatility, and earnings and dividend dates may not reflect real-time market conditions. We make no warranty as to the accuracy, completeness, or timeliness of any data.

Markets are volatile. Prices change rapidly, sometimes between the moment a contract is screened and the moment your order reaches the exchange. We make no guarantee that any contract surfaced by the Service will be available, fillable, or fillable at the displayed price.

12. Backtesting & Hypothetical Results

Backtest results displayed by the Service are hypothetical and do not represent actual trading. Hypothetical performance has many inherent limitations: it is prepared with the benefit of hindsight, does not involve financial risk, and may not account for commissions, slippage, assignment risk, dividend impact, liquidity constraints, or the effect of orders on market prices. Actual results, in actual accounts, will differ — sometimes materially — from any hypothetical result.

13. Intellectual Property

Myron, the Myron name and logo, the Service's software, design, and underlying methodology are owned by us or our licensors and are protected by copyright, trademark, and other laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use, subject to these Terms.

You retain ownership of the inputs you provide (positions, preferences, notes). You grant us a non-exclusive, royalty-free license to host, process, and display those inputs solely as necessary to operate the Service. We do not use your inputs to train machine-learning models and do not sell your inputs to third parties.

14. Third-Party Services

The Service depends on third-party providers including, without limitation: Stripe (billing), SnapTrade (brokerage connectivity), Polygon.io (market data), Resend (email), Twilio (SMS), Firebase (authentication), and DigitalOcean (hosting). Each provider has its own terms and privacy practices, and we are not responsible for their acts, omissions, or service interruptions.

The Service may link to external resources (including the OCC's options disclosure document and broker websites). Linked resources are provided for convenience and do not imply endorsement.

15. 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 warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, uninterrupted availability, and any warranty arising from course of dealing or usage of trade.

We do not warrant that the Service will meet your requirements, will operate without errors or interruption, will be secure, or will produce any particular trading outcome. Any reliance you place on the Service is at your own risk.

16. Limitation of Liability

To the maximum extent permitted by law, in no event will Myron, its affiliates, or its officers, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or trading losses, whether based in contract, tort (including negligence), strict liability, or any other legal theory, even if advised of the possibility of such damages.

Our aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of (a) one hundred U.S. dollars ($100), or (b) the amount you paid us in the twelve (12) months preceding the event giving rise to the claim.

Without limiting the foregoing, we are not responsible for any trading losses you incur, for any act or omission of your broker, SnapTrade, or any market participant, or for any failure of any third-party data provider, payment processor, email or SMS deliverer, or other third-party service. Some jurisdictions do not allow these limitations; in those jurisdictions our liability is limited to the maximum extent permitted.

17. Indemnification

You agree to defend, indemnify, and hold harmless Myron and its affiliates, officers, employees, agents, and licensors from and against any third-party claims, damages, liabilities, losses, and costs (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your breach of these Terms; (c) your violation of any law or regulation; (d) your infringement of any third-party right; (e) any tax consequences of trades you place; or (f) any dispute between you and your broker, SnapTrade, or any third party. We will provide prompt notice of any indemnified claim and may, at our option, assume control of the defense.

18. Dispute Resolution: Binding Arbitration & Class Waiver

Informal resolution. Before initiating arbitration, you and Myron agree to try in good faith to resolve any dispute informally. You will send a written notice describing the dispute and the relief sought to [email protected]. The parties will have 60 days from receipt to attempt resolution before either may commence arbitration.

Arbitration agreement. Any dispute, claim, or controversy arising out of or relating to the Service or these Terms (other than the carve-outs below) that is not resolved informally will be resolved exclusively by final and binding arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures, before a single arbitrator. The seat of arbitration will be San Francisco County, California; hearings may be conducted by videoconference. The arbitrator will apply the law of the State of California and may award only such relief as a court could award in an individual action.

Class-action waiver. You and Myron agree that each may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding, and that the arbitrator may not consolidate more than one person's claims or preside over any form of representative or class proceeding. If this class-action waiver is held unenforceable, then the entirety of this Section 18 will be null and void, but the remainder of these Terms will remain in effect.

Carve-outs. Notwithstanding the above, either party may (a) bring an individual claim in small-claims court for any dispute within that court's jurisdiction, or (b) seek injunctive or other equitable relief in court to prevent the actual or threatened infringement of intellectual property rights.

Federal Arbitration Act. This Section 18 is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.

19. Governing Law & Venue

These Terms are governed by the laws of the State of California, without regard to its conflict-of-law principles. For any claim not subject to arbitration under Section 18, the state and federal courts located in San Francisco County, California will have exclusive jurisdiction, and you consent to personal jurisdiction in those courts.

20. Modifications to the Service

We may add, remove, or change features of the Service at any time. We will give reasonable advance notice of material changes that would significantly reduce functionality available to paid subscribers.

21. Modifications to These Terms

We may update these Terms from time to time. We will notify you of material changes by email and through an in-app notice at least 14 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

22. Electronic Communications Consent

By creating an account, you consent to receive notices, agreements, disclosures, and other communications from us electronically — by email, in-app message, or, where you have opted in, SMS — rather than on paper. This consent applies for purposes of the federal E-SIGN Act and any applicable state electronic-records statutes. You may withdraw this consent by closing your account.

23. Force Majeure

We are not liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, government action, exchange or market closure, internet or telecommunications outage, broker downtime, third-party-provider failure, labor disruption, or pandemic.

24. Assignment

You may not assign or transfer these Terms or your account, by operation of law or otherwise, without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets, or by operation of law, without notice to you. Any prohibited assignment is void.

25. Severability, Waiver & Entire Agreement

If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be reformed to the minimum extent necessary to make it enforceable. No waiver by us of any breach is a waiver of any subsequent breach. These Terms, together with the Privacy Policy and any order forms or supplemental terms we make available, constitute the entire agreement between you and Myron concerning the Service and supersede all prior agreements on the subject.

26. Contact

For legal notices and arbitration opt-outs: [email protected]. For general support: [email protected].