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Terms of Service

Last Updated: November 10, 2025

These Terms of Service (the "Terms") set forth the terms and conditions for the provision of the Service and the rights and obligations between the Company and Users. By using the Service, you must read and agree to these Terms in their entirety.

Article 1 (Application)

These Terms are intended to define the terms and conditions for the provision of the Service and the rights and obligations between the Company and Users regarding the use of the Service, and shall apply to all relationships between Users and the Company regarding the use of the Service.

In the event of any discrepancy between the content of these Terms and descriptions of the Service outside these Terms, the provisions of these Terms shall prevail. However, if the terms of use of application distribution platforms (hereinafter referred to as "App Stores") operated by Apple Inc.'s App Store, Google LLC's Google Play, etc., conflict with these Terms, the terms of use of such App Stores shall prevail.

Article 2 (Definitions)

The following terms used in these Terms shall have the meanings set forth below:

1. "Intellectual Property Rights" means copyrights, patent rights, utility model rights, design rights, trademark rights, and other intellectual property rights (including the rights to acquire such rights or to apply for registration of such rights).
2. "Trade Records" means information related to stock transactions (data such as stock symbols, quantities, amounts, transaction dates and times, memos, etc.) manually entered and recorded by Users through the Service.
3. "User" means an individual aged 18 or older who downloads and uses the Service after agreeing to these Terms. (The Service does not perform ID/password authentication.)
4. "Company" means STAY GOLD Works.
5. "Company Website" means the website operated by the Company with the domain "staygoldworks.com" (including any domain after a domain name change).
6. "Service" means the service named "Trading Champ" provided by the Company.
7. "Free Plan" means a plan that allows use of the basic features of the Service (including advertisement display).
8. "Premium Plan" means a monthly subscription plan that enables ad-free features and unlimited management units (accounts).

Article 3 (Age Restrictions)

The Service is available only to individuals aged 18 or older. Individuals under 18 may not use the Service.

The Company has no obligation to verify that Users are 18 or older and assumes no responsibility arising from the failure to verify age.

If it becomes apparent that an individual under 18 has used the Service, the Company may take measures to suspend such use without prior notice.

Article 4 (Use of the Service)

Users may use the Service in accordance with these Terms.

The Service is a tool intended for recording and managing Users' investment activities and does not constitute investment advice, investment recommendations, or activities falling under financial instruments business.

Functions provided by the Service such as profit/loss calculations, statistical data, and performance analysis are merely displays of calculation results based on Trade Records entered by Users and are not intended to provide information as a basis for investment decisions. Users shall not rely on the Service's functions as the sole or primary basis for investment decisions and shall make independent judgments at their own responsibility.

Users' investment decisions and investment actions shall be made entirely at the User's own responsibility.

The Service does not have synchronization functionality with other devices, and all Trade Records are stored only in the local database of the User's device. Trade Records are never transmitted to the Company's servers.

Notwithstanding the preceding paragraph, depending on the functionality of the operating system (iOS, Android, etc.) of the User's device, application data including Trade Records may be automatically backed up to cloud storage (iCloud, Google Drive, etc.). The settings, management, and any resulting data storage or leakage from such backups are entirely the User's responsibility, and the Company assumes no responsibility whatsoever.

The Company may transmit crash information, operation logs, etc. for stable operation and troubleshooting of the Service, but such information does not include the content of Trade Records.

Article 5 (Fees and Payment Methods)

Users shall pay the monthly usage fee for the Premium Plan, as separately determined and displayed by the Company on the App Store, using the payment method designated by the App Store operator.

The usage period, automatic renewal, and cancellation procedures for the Premium Plan shall be subject to the terms and policies established by the App Store operator being used.

The Company will not provide refunds for usage fees paid by Users, except in the following cases:

1. When provision of the Service becomes impossible due to reasons attributable to the Company
2. When refunds are required by law
3. When refunds are implemented at the discretion of the App Store operator

Article 6 (Prohibited Activities)

Users shall not engage in any of the following acts or acts that the Company reasonably determines fall under any of the following when using the Service:

1. Acts that violate laws or are related to criminal activities
2. Acts of fraud or threats against the Company, other Users of the Service, or other third parties
3. Acts contrary to public order and morals
4. Acts that infringe on the Intellectual Property Rights, portrait rights, privacy rights, honor, or other rights or interests of the Company, other Users of the Service, or other third parties
5. Transmitting information through the Service that falls under or is reasonably determined by the Company to fall under the following:
   • Information containing excessively violent or cruel expressions
   • Information containing computer viruses or other harmful computer programs
   • Information containing expressions that damage the honor or credibility of the Company, other Users of the Service, or other third parties
   • Information containing excessively obscene expressions
   • Information containing expressions that promote discrimination
   • Information containing anti-social expressions
   • Information containing expressions that cause discomfort to others
6. Acts that place excessive burden on the Service's network or systems
7. Reverse engineering or other analysis of software or other systems provided by the Company
8. Acts that may interfere with the operation of the Service
9. Unauthorized access to the Company's network or systems
10. Acts of impersonating third parties
11. Advertising, promotion, solicitation, or commercial activities on the Service without prior permission from the Company
12. Acts that cause disadvantage, damage, or discomfort to the Company, other Users of the Service, or other third parties
13. Acts that violate the rules for using the Service posted on the Company Website
14. Providing benefits to anti-social forces
15. Acts that directly or indirectly cause or facilitate any of the preceding acts
16. Other acts that the Company reasonably determines to be inappropriate

Article 7 (Suspension of Service)

The Company may suspend or interrupt all or part of the provision of the Service without prior notice to Users in any of the following cases. However, when conducting planned maintenance, the Company shall make reasonable efforts to notify Users in advance.

1. When urgent inspection or maintenance work on the computer system related to the Service is required
2. When the Service cannot be operated due to computer or communication line failures, operational errors, excessive access concentration, unauthorized access, hacking, etc.
3. When the Service cannot be operated due to force majeure such as earthquakes, lightning, fires, floods, power outages, or natural disasters
4. Other cases where the Company reasonably determines that suspension or interruption is necessary

Article 8 (Rights Attribution)

All Intellectual Property Rights related to the Company Website and the Service belong to the Company or licensors to the Company, and the license to use the Service under these Terms does not mean a license to use the Intellectual Property Rights of the Company or licensors to the Company related to the Company Website or the Service.

Ownership and Intellectual Property Rights of Trade Records belong to the User who entered the information. Trade Records are stored only in the local database of the User's device as per Article 4, Paragraph 5, and are not acquired by the Company on servers or otherwise.

Only when Users provide Trade Records to the Company through screenshots, export files, or other methods for purposes such as troubleshooting, feature improvement requests, or support requests, shall the Company be granted a non-exclusive license to technically use such Trade Records within the scope necessary for provision, operation, improvement, and troubleshooting of the Service. The Company shall not use the provided Trade Records for purposes other than those mentioned above and shall not disclose or provide them to third parties.

Article 9 (Changes and Termination of Service)

The Company may change the content of the Service or terminate its provision at the Company's convenience.

When terminating part or all of the Service (discontinuation), the Company shall notify Users at least 30 days in advance. However, this shall not apply in cases of urgent and unavoidable circumstances.

The Company shall not be liable for any damages incurred by Users due to changes in the content of the Service or termination of its provision, except in cases of intentional or gross negligence on the part of the Company.

Article 10 (Disclaimer and Limitation of Liability)

The Company makes no warranties, express or implied, that the Service will suit Users' specific purposes, have expected functions, accuracy, or usefulness, that Users' use of the Service will comply with laws or internal rules of industry organizations applicable to Users, that it will not infringe on third party rights, that it will be available continuously, or that no defects will occur.

Information such as calculation results and statistical data provided through the Service are estimates based on data entered by Users, and the Company makes no warranties regarding their accuracy or completeness, including the possibility that they may not match actual securities accounts, financial institutions, or tax calculations.

Profit/loss calculation results provided by the Service are not intended for use in tax returns or other tax procedures and do not qualify as documents for submission to tax authorities. Tax calculations must be conducted at the User's own responsibility after consulting with tax accountants or other professionals.

Disclaimer of Investment Losses

The Service is merely a tool to assist in recording and managing Users' investment activities and is not intended for investment advice or recommendations. Therefore, the Company assumes no responsibility for any economic losses or damages arising from investment decisions and actions taken by Users based on the use of the Service or information obtained from the Service, including calculation results, statistical data, and other information.

Disclaimer of Data Import/Export

The Company assumes no responsibility for damages such as loss, corruption, or external leakage of Trade Records arising from file corruption, data inconsistencies, incorrect overwrites, or use in external systems when Users use the Service's import or export functions. Use and management of data import/export functions shall be entirely the User's responsibility.

Disclaimer of Local Data Loss

While the Service stores Trade Records locally, the Company assumes no responsibility if Trade Records are lost, corrupted, or leaked due to device failure, loss, operational errors, OS updates, app deletion/reinstallation, cloud backup failures, etc. Backup and management of Trade Records shall be the User's responsibility.

Except in cases of intentional or gross negligence on the part of the Company, the Company shall not be liable to compensate Premium Plan Users for damages related to the Service exceeding the total amount paid by the User to the Company in the past 6 months from the date of damage occurrence.

For Free Plan Users, except in cases of intentional or gross negligence on the part of the Company, the Company shall not be liable for any compensation.

Disputes arising between Users and other third parties in connection with the Service or Company Website shall be resolved by Users at their own responsibility.

Article 11 (Confidentiality)

Users shall keep confidential any non-public information disclosed by the Company to Users in connection with the Service with a request for confidential treatment, except with prior written consent from the Company.

Article 12 (Handling of User Information)

The Company's handling of Users' information shall be governed by the Company's Privacy Policy (https://staygoldworks.com/tradingchamp/en/privacy.html), and Users agree that the Company will handle Users' information in accordance with this Privacy Policy.

The Company may use and disclose Users' usage information, data, etc. as statistical information in a form that does not identify individuals at the Company's discretion, and Users shall not object to this.

Article 13 (Changes to Terms)

The Company may change these Terms in any of the following cases:

1. When changes to these Terms are in the general interest of Users
2. When changes to these Terms do not contradict the purpose of the contract and are reasonable in light of the necessity of the change, the appropriateness of the content after the change, and other circumstances

When changing these Terms based on the preceding paragraph, the Company shall notify or announce the fact of changing these Terms, the content of the changed Terms, and their effective date at least 7 days before the effective date of the changed Terms through in-app notifications, postings on the Company Website, or other appropriate methods.

When making changes to these Terms that require User consent by law, the Company shall obtain User consent in the manner prescribed by the Company.

Article 14 (Communication and Notices)

Inquiries and other communications or notices from Users to the Company regarding the Service, and notices regarding changes to these Terms and other communications or notices from the Company to Users, shall be made in the manner prescribed by the Company.

When the Company provides notice through the in-app notification function of the User's device, Users shall be deemed to have received such communication or notice when 3 days have passed from the time the notice reached the device.

Article 15 (Relationship with App Store Operators)

These Terms constitute a contract between Users and the Company, and App Store operators (Apple Inc., Google LLC, etc.) are not parties to these Terms.

Inquiries, claims, bug reports, etc. regarding the Service shall be made to the Company, not to App Store operators.

When using the Service through Apple Inc.'s App Store, Apple Inc. is a third-party beneficiary of these Terms, and by agreeing to these Terms, Users acknowledge that Apple Inc. has the right to enforce these Terms against Users.

Use of the Service shall also comply with the terms of use established by App Store operators, and Users shall not engage in acts that violate such terms of use.

Article 16 (Export Control and Economic Sanctions)

Users shall comply with export control laws and economic sanctions-related laws of Japan, the United States, and other countries when using the Service.

Users represent and warrant that they do not fall under any of the following:

1. Persons located in countries or regions designated as subject to sanctions by the U.S. Department of Treasury's Office of Foreign Assets Control (OFAC)
2. Persons listed on export prohibition lists designated by the Japanese government or U.S. government
3. Terrorist organizations, anti-social forces, or persons related to them

If the Company reasonably determines that there is suspicion of violation of the preceding paragraph, the Company may suspend provision of the Service without prior notice.

Article 17 (Accessibility)

The Company will make efforts to improve the accessibility of the Service to the extent possible but does not guarantee complete support for all types of disabilities or assistive technologies.

The Service may be difficult to use for some features by Users with visual impairments, hearing impairments, physical disabilities, etc. If you require specific accessibility features, please contact the Company in advance.

Article 18 (Suspension of Use)

The Company may temporarily suspend or permanently prohibit the use of the Service by a User without prior notice or demand if the User falls under any of the following. Users acknowledge in advance that such suspension measures shall be implemented by technical means such as device-specific information not based on ID authentication and that there are limits to their effectiveness.

1. When any provision of these Terms is violated
2. When payment of Premium Plan usage fees is delayed
3. When there is no response within a reasonable period to inquiries or other requests for responses from the Company
4. When the Company reasonably determines that the User is an anti-social force or has some interaction or involvement with anti-social forces through funding or other means
5. Other cases where the Company reasonably determines that continued use of the Service is inappropriate

The Company shall not be liable for any damages incurred by Users due to actions taken by the Company under this Article.

Article 19 (Assignment)

Users may not assign, transfer, create security interests in, or otherwise dispose of rights or obligations under these Terms to third parties without prior written consent from the Company.

If the Company transfers the business related to the Service to another company, the Company may transfer rights and obligations under these Terms and User information to the transferee of such business transfer in connection with such business transfer, and Users hereby consent in advance to such transfer in this paragraph. The business transfer defined in this paragraph includes not only ordinary business transfers but also all cases where business is transferred, such as corporate splits.

Article 20 (Severability)

If any provision of these Terms or any part thereof is determined to be invalid or unenforceable under laws or regulations, the remaining provisions of these Terms and the remaining part of the provision determined to be partially invalid or unenforceable shall continue to be in full force and effect.

Article 21 (Governing Law and Jurisdiction)

These Terms shall be governed by the laws of Japan, excluding conflict of laws principles.

The authentic version of these Terms is the Japanese version, and in the event of any discrepancies or inconsistencies with translations into other languages, the Japanese version shall prevail.

The Tokyo District Court shall have exclusive jurisdiction as the court of first instance over all disputes arising from or related to these Terms or the use of the Service.

Established: November 10, 2025