Terms of service

These Terms of Service ("Terms") are a contract between you and Sang Lucci Trading, LLC, doing business as FZN Analytics ("FZN," "we," "us," "our"), covering your use of fznanalytics.com, the Workspace Pro application, our data and API services, our research, and our email communications (together, the "Services").

By creating an account, requesting or accepting an invitation, purchasing a licence, or otherwise using the Services, you accept these Terms. If you don't agree with them, don't use the Services.

Our Privacy Policy and Disclosures are part of these Terms. The Disclosures matter — they explain that everything we publish is analysis and commentary, not investment advice, and that trading carries a substantial risk of loss. Read them before you rely on anything we produce.

You must be at least 18 years old and legally able to enter a binding contract to use the Services. By using them, you represent that you are.

The Services are operated from the United States. If you access them from elsewhere, you are responsible for complying with the laws that apply to you.

You need an account to access most of the Services. You agree to give accurate information when you register and to keep it current.

Your account is personal to you. One account, one person. You may not share your login credentials, let anyone else use your account, or sell, transfer, or assign it. A licence covers a single named user, not a team, desk, or firm. Firm and multi-seat licensing is available — write to us.

You are responsible for everything that happens under your account and for keeping your password confidential. Tell us at support@fznanalytics.com if you believe your account has been accessed without authorization.

We monitor for credential sharing. If we find your account being used by more than one person, we may suspend or terminate it without refund.

Workspace Pro is currently available by invitation. Applying does not entitle you to access, and we decide who to admit and when, at our discretion.

An invitation is personal and time-limited. It is issued to the address you applied with, may expire if unused, and may not be forwarded, sold, or transferred to anyone else.

We may end beta access. While the beta runs we may change what the Workspace includes, admit or remove participants, and end the beta programme itself. Where you have paid for a period of access, ending the beta does not shorten the period you have already paid for.

Nothing in this section limits your rights under the Licence and Term or Fees and renewal sections below once you hold a paid licence.

The Services include software (the Workspace), the market data and analytics it presents, and our research. Everything we produce — the application, our derived data and analytics, our research, graphics, branding, and the software behind the platform — belongs to us or our licensors and is protected by copyright, trademark, and other laws.

While your licence is active and in good standing, we grant you a personal, non-exclusive, non-transferable, revocable licence to access and use the Services for your own individual trading, research, and internal business analysis.

What the licence does not include. It does not transfer ownership of anything, and it does not grant rights in the underlying market data beyond your own use of it through the Services.

The licence ends when your subscription ends or when we terminate it under Suspension and termination.

Market data reaches you through the Services under agreements we hold with our data sources, and those agreements bind what you may do with it.

You may view, analyse, and act on the data for your own trading and research; take screenshots for your own reference; and quote figures in your own commentary with attribution to FZN Analytics.

You may not redistribute, republish, resell, sublicense, stream, or syndicate the data or our analytics to anyone else; make it available through your own product, service, feed, or publication; or use it to build or train any competing product, service, dataset, or model.

You may not extract in bulk. Scraping, crawling, systematic downloading, or any automated extraction outside the API and within its published limits is prohibited, whether or not the data is then redistributed.

Publishing an occasional chart or figure with attribution is fine. Building a product on our output, or feeding it to a model, is not. If you are unsure which side of that line you are on, ask us before you build.

Redistribution rights are available under a separate agreement. Write to us.

Where your licence includes API access, these additional terms apply.

Keys are credentials. An API key authenticates your account. Keep it secret, do not embed it in client-side code or a public repository, and rotate it if it is exposed. You are responsible for all use made of your key.

Rate limits apply. We publish limits and may enforce, change, or apply them to protect the platform. Deliberately circumventing a limit — by rotating keys, distributing calls across accounts, or otherwise — is a breach of these Terms.

Your application. Data retrieved through the API remains subject to the Market data and redistribution section. Serving it onward to your own users is redistribution and requires a separate agreement.

We may change or deprecate API endpoints. Where a change is breaking, we will give reasonable notice.

Recurring charges. When you purchase a licence, you authorize us and our payment processor, Stripe, to charge your payment method the licence fee on a recurring basis at the interval shown at checkout.

Automatic renewal. Your licence renews automatically at the end of each billing period, at the then-current rate for your plan, and your payment method is charged without further action by you. This continues until you cancel.

Promotional pricing. We sometimes offer introductory or discounted rates, including to beta participants. When a promotional period ends, your licence renews at our standard rate for that plan unless you cancel first. The standard renewal rate and the date the promotional period ends are disclosed at checkout before you purchase.

Price changes. We may change our prices. If your renewal price is going up, we will notify you by email in advance of the change taking effect, with enough time for you to cancel before you're charged the new amount. Continuing past that date means you accept the new price.

Payment failures. If a charge fails, we may retry it and may suspend your access until payment succeeds. You remain responsible for amounts owed.

Taxes. Prices exclude any applicable sales or use tax, which is added at checkout where required.

You can cancel at any time, either through your account settings or by emailing support@fznanalytics.com. Cancelling through your account settings takes effect immediately on submission; if you email us, we will process your cancellation promptly on receipt.

Cancellation stops future renewals. It does not shorten the period you have already paid for — your access continues until the end of your current billing period, and you are not charged again after that.

We do not require you to call, sit through a retention offer, or explain yourself to cancel.

Refunds. Licence fees are generally non-refundable, including for partial billing periods and for periods during which you did not use the Services. That said, we review requests individually. If you think your circumstances warrant a refund, email support@fznanalytics.com and tell us what happened. We consider these case by case and at our discretion, and granting one request does not obligate us to grant others.

Nothing here limits any refund or cancellation right you have under applicable law, including under California's automatic renewal statute.

Nothing in the Services is investment, legal, tax, or accounting advice, and nothing is a recommendation to buy or sell anything. We are not registered as an investment adviser, broker-dealer, or commodity trading advisor. Using the Services creates no advisory or fiduciary relationship.

Alerts and analytics are notifications of market activity, not signals to act. A classification, a reconstructed order, or a tagged print is our reading of the tape, not a statement of anyone's intent.

Trading involves substantial risk of loss. Your trading decisions are yours alone. See our Disclosures for the full picture.

The Services rely on third parties, including Stripe for payments, WorkOS for authentication, DigitalOcean for hosting, Brevo for email, and Discord where you have connected an account. Your use of those platforms is also governed by their own terms, and we are not responsible for their availability, performance, or practices.

Market data reaches us through data providers and exchanges whose own terms and outages we do not control.

We may suspend or terminate your account or licence if you breach these Terms, if we reasonably suspect fraud or credential sharing, if required by law, if a data provider requires it, or if your conduct creates risk for other users or for us.

If we terminate you for breach, you are not entitled to a refund of fees already paid.

You may stop using the Services at any time. Cancelling is covered above; if you want your account and data deleted entirely, see the Privacy Policy.

Sections that by their nature should survive termination do survive it, including Licence and term, Market data and redistribution, Programmatic access, Disclaimer of warranties, Limitation of liability, Indemnification, and Dispute resolution.

We aim to keep the Services running during market hours, but we do not guarantee uninterrupted or error-free access. Data feeds fail, exchanges halt, and platforms go down. Outages are not grounds for a refund except at our discretion.

We may modify, suspend, or discontinue any part of the Services. Where a change materially reduces what your paid plan includes, we will give reasonable notice.

The Services are provided "as is" and "as available," without warranties of any kind, express or implied. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Services will meet your requirements, that market data, classifications, reconstructions, or analytics will be accurate, complete, current, or uninterrupted, or that any errors will be corrected. Derived analytics are estimates produced from a reported tape, and the tape itself carries corrections, late prints, and gaps we do not control.

To the fullest extent permitted by law, FZN Analytics, Sang Lucci Trading, LLC, and our employees and contractors are not liable for any trading losses, lost profits, lost data, or any indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to the Services, regardless of the theory of liability and even if we have been advised of the possibility of such damages.

Our total liability to you for all claims relating to the Services is limited to the amount you paid us in the twelve months before the event giving rise to the claim.

Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you. Nothing here limits liability that cannot be limited under applicable law.

You agree to indemnify and hold harmless FZN Analytics, Sang Lucci Trading, LLC, and our employees and contractors from any claims, damages, losses, and reasonable legal fees arising from your use of the Services, your breach of these Terms, or your violation of any law or third-party right.

Please read this section carefully. It affects how disputes between us get resolved and limits your ability to bring a class action.

Informal resolution first. Before starting arbitration or any other proceeding, you agree to contact us at support@fznanalytics.com with a written description of the dispute and the relief you want, and to give us 60 days to resolve it. We will do the same before bringing a claim against you. Most disputes get sorted at this stage. This period tolls any applicable statute of limitations.

Agreement to arbitrate. If we can't resolve it informally, you and FZN agree that any dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. The Federal Arbitration Act governs this section. The arbitrator, not any court, decides all issues relating to the interpretation, applicability, and enforceability of this arbitration agreement, except as stated below.

Exceptions. This arbitration agreement does not cover claims that qualify for small claims court, which either of us may bring there instead; claims for injunctive relief to protect intellectual property rights; or claims for public injunctive relief, which may be brought in court.

Class action waiver. You and FZN each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding.

If the waiver fails. If the class action waiver is found unenforceable as to a particular claim, that claim — and only that claim — is severed from arbitration and proceeds in court. The rest of this section remains in force. If any part of this arbitration agreement is found unenforceable in a way that would require class arbitration, the entire arbitration agreement is void as to that claim.

Mass filings. If 25 or more similar claims are filed against us by or with the coordination of the same counsel, the claims will be administered in staged batches of no more than 50, with a single arbitrator per batch and the outcomes of each batch used to inform resolution of the rest. Filing fees and arbitration deadlines are held in abeyance for claims outside the current batch. This provision is designed to make mass claims resolvable, not to prevent them.

Your right to opt out. You can opt out of this arbitration agreement. Email support@fznanalytics.com with "Arbitration Opt-Out" in the subject line, along with your name and the email address on your account, within 30 days of first accepting these Terms. Opting out has no effect on your licence, your access, or anything else in your relationship with us. If you opt out, disputes go to the courts identified below.

These Terms are governed by the laws of the State of California, without regard to its conflict of laws rules. For any dispute not subject to arbitration, you and FZN consent to the exclusive jurisdiction of the state and federal courts located in Alameda County, California.

We may update these Terms. When we do, we will revise the "Last revised" date above. If a change is material, we will give notice by email to registered users at least 30 days before it takes effect, and the change applies only to your next billing period.

Continuing to use the Services after the effective date means you accept the updated Terms. If you don't accept them, cancel before they take effect.

Entire agreement. These Terms, together with the Privacy Policy and Disclosures, are the whole agreement between us about the Services and replace any prior agreements.

Severability. If any provision is found unenforceable, the rest stays in effect.

No waiver. If we don't enforce a provision, that isn't a waiver of our right to enforce it later.

Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets.

Force majeure. Neither party is liable for failures caused by events beyond reasonable control, including exchange outages, data provider failures, internet or hosting disruptions, and natural disasters.

Notices. We send notices to the email address on your account. Keep it current.

Sang Lucci Trading, LLC (d/b/a FZN Analytics)

1412 6th Street, Berkeley, CA 94710, United States

Email: support@fznanalytics.com