1. Agreement to These Terms
These Terms of Service (the "Terms") constitute a binding agreement between you and BroFi LLC, a limited liability company organized under the laws of the State of Wyoming, United States ("BroFi", "we", "us", or "our"), governing your access to and use of the BroFi Journal application (the "App") and the related services we provide (together, the "Services").
By accessing or using the App, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree to these Terms, you may not use the App.
2. No Financial or Investment Advice
This provision is fundamental to your use of the App, and it appears first for that reason. BroFi Journal is a personal journaling and record keeping tool. It reflects your own trading records and your own writing back to you. It is not financial advice.
The App does not provide financial, investment, tax, legal, or other professional advice, does not recommend or solicit any transaction, and does not produce trading signals. BroFi is not a broker, a dealer, an investment adviser, or a portfolio manager, and nothing in the App or on this website constitutes an offer, solicitation, or recommendation to buy, sell, or hold any asset.
Trading involves substantial risk, and the value of any position may fall as well as rise. Every trading decision is yours alone and is made at your own risk. Nothing in the App is a promise or guarantee of any result.
3. Definitions
In these Terms, the following terms have the meanings set out below.
Member. The individual who holds a BroFi VIP membership and is authorized to use the App.
Membership. A BroFi VIP membership.
Journal. The private record associated with a Member.
Member Content. The entries, messages, voice notes, trade records, and other material a Member submits through the App.
4. Eligibility
To use the App, you must be at least 18 years of age and legally able to enter into a binding contract in your place of residence. By using the App, you represent and warrant that you meet these requirements.
5. Membership and Access
The App is provided as part of a BroFi VIP Membership. Access is arranged through the BroFi access bot on Telegram, which pairs the App to your private Journal. Your Journal is personal to you and is never shared with other Members. Each Membership authorizes one Member and one Journal.
You must keep your access private. You may not share, resell, or transfer your access, and you may not permit any other person to use your account.
6. Payments and Billing
Membership is billed through our third party payment provider, which manages checkout, your billing details, and your receipts. We do not store your payment card details. Your purchase is also subject to the terms and privacy practices of that payment provider.
7. Subscription, Renewal, and Cancellation
Membership is offered on a subscription basis. The price, the billing period, and the renewal terms applicable to your Membership are those presented to you by the payment provider at the time of purchase. Unless stated otherwise at checkout, a Membership continues for successive billing periods and renews automatically until it is cancelled.
You may cancel at any time through the payment provider or by writing to support@brofi.com. Cancellation stops the next charge and leaves your access in place until the end of the period for which you have already paid. Except where required by law or expressly stated at checkout, amounts already paid are not refundable.
8. Refunds
Refunds, where they apply, are handled through the payment provider under the terms presented at checkout. If a payment error occurs, write to support@brofi.com and we will address it.
9. Right of Withdrawal (European Union and United Kingdom)
If you are a consumer resident in the European Union or the United Kingdom, you ordinarily have the right to withdraw from a purchase of digital services within 14 days.
BroFi Journal is a digital service that is made available for immediate use. When you begin using the App within the withdrawal period, you expressly consent to our providing the Services immediately, and you acknowledge that you lose your right of withdrawal to the extent the Services have been fully performed. For a Membership that renews, any statutory refund for a period that has not yet been provided is handled through the payment provider. Where a right of withdrawal continues to apply, write to support@brofi.com and we will process it through the payment provider.
10. Acceptable Use
You agree to use the App only for your own personal journaling and only for lawful purposes. You agree not to resell or share access; not to scrape, copy, or extract the Services; not to reverse engineer, decompile, or tamper with the App; and not to use the App to infringe the rights of others or to harm other users or the Services.
11. Member Content and Ownership
Your Journal, your entries, your voice notes, and your trade records belong to you, and you retain ownership of all Member Content you create. You grant BroFi only the limited permission necessary to operate the Services for you, which includes processing your entries to generate your reflections, as set out in the Privacy Policy. We do not claim ownership of your Member Content.
12. Intellectual Property
The App, its design, its underlying software, and the BroFi name, logo, and marks are owned by BroFi and its licensors. Your Membership grants you a personal, limited, and revocable license to use the App for its intended purpose, which you may not transfer or sublicense. It grants you no ownership of the App or any of its intellectual property.
13. Service Availability
We work to keep the Journal running reliably, but we provide the Services on an "as available" basis. We do not warrant that the Services will be available at all times, uninterrupted, or free of errors, and the features of the App may change as it develops.
14. Disclaimer of Warranties
To the fullest extent permitted by applicable law, the Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, and title, and any warranty that the Services will not infringe the rights of others. This section does not exclude any warranty or right that cannot be excluded under the law applicable to you as a consumer.
15. Limitation of Liability
Nothing in these Terms limits any liability that cannot be limited under applicable law, and your statutory rights as a consumer are not affected.
Subject to the foregoing, and to the fullest extent permitted by law, BroFi shall not be liable for any trading losses, lost profits, or indirect, incidental, special, or consequential damages arising out of or relating to your use of the App. To the fullest extent permitted by law, our total aggregate liability for any claim arising out of or relating to the Services is limited to the amount you paid for Membership during the twelve months preceding the event giving rise to the claim.
16. Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold harmless BroFi and its officers, members, and employees from any claims, losses, or expenses arising out of your misuse of the App or your breach of these Terms. This section does not apply to the extent a claim results from our own gross negligence or willful misconduct, and it does not limit your rights as a consumer under mandatory law.
17. Suspension and Termination
You may end your Membership at any time by deleting your account in the Settings screen, which closes your Journal and revokes access on every paired device. We may suspend or terminate your access if you breach these Terms, if a payment fails, or if we cease to offer the Services. If we terminate your access, your Journal is retained or removed in accordance with the retention and deletion provisions of the Privacy Policy, and you may still contact support to retrieve or delete it.
18. Apple App Store
If you obtained the App from the Apple App Store, the following additional terms apply. These Terms are concluded between you and BroFi only, and not with Apple, and Apple is not responsible for the App or its content. Apple has no obligation to provide any maintenance or support for the App.
To the maximum extent permitted by applicable law, Apple has no warranty obligation with respect to the App. In the event that the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund any purchase price you paid for the App, which for a free application is zero, and beyond that Apple has no other warranty obligation. Apple is not responsible for addressing any claim relating to the App, including product liability claims, any claim that the App fails to meet a legal or regulatory requirement, and any claim arising under consumer protection or similar legislation.
Apple is not responsible for the investigation, defense, settlement, or discharge of any claim that the App or your use of it infringes a third party's intellectual property rights. You represent that you are not located in a country subject to a United States Government embargo and that you are not listed on any United States Government list of prohibited or restricted parties. You must comply with any applicable third party terms when using the App. Apple and its subsidiaries are third party beneficiaries of these Terms, and upon your acceptance Apple will have the right to enforce these Terms against you as a third party beneficiary.
19. Changes to These Terms
We may update these Terms from time to time as the App evolves. When a change is material, we will provide reasonable notice. Your continued use of the App after an update takes effect constitutes your acceptance of the revised Terms.
20. Governing Law and Dispute Resolution
These Terms, and any dispute or claim arising out of or in connection with them or your use of the App, are governed by the laws of the State of Wyoming, United States, without regard to its conflict of laws principles. You and BroFi agree to submit to the exclusive jurisdiction of the state and federal courts located in the State of Wyoming for the resolution of any such dispute.
Nothing in this section deprives you of the protection of any mandatory consumer protection laws of your country of residence, which continue to apply to you.
21. General
These Terms, together with the Privacy Policy, are the entire agreement between you and BroFi regarding the App, and they replace any earlier understanding on the subject. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions continue in full force, and the invalid provision applies to the greatest extent permitted by law. Our failure to enforce any provision is not a waiver of it.
You may not assign or transfer these Terms without our consent, and we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets. We are not responsible for any delay or failure to perform that is caused by events beyond our reasonable control. We may give you notices by email, through the App, or on this website. Section headings are provided for convenience only and do not affect the interpretation of these Terms.
22. Contact
BroFi Journal is provided by BroFi LLC, a Wyoming limited liability company. Questions about these Terms may be sent to support@brofi.com, and a member of our team will respond.