Terms of Service
Last updated: 31 January 2026
These Terms of Service ("Terms") govern your access to and use of the website located at bifin.ai (the "Website") and any subscription, journal, or associated resources provided by Bifin Sàrl (collectively, the "Services").
By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.
1. Company information
Provider: Bifin Sàrl
Registered office: 2 Parc d’Activités, L-8308 Capellen, Luxembourg
RCS: B255923
VAT: LU33713503
Email: info@bifin.ai
2. Definitions
"Bifin", "we", "us", or "our" refers to Bifin Sàrl.
"You" or "User" refers to the person or entity accessing or using the Services.
"Subscriber" refers to a User who has an active subscription to access restricted journal content.
3. Nature of the Services
3.1 Educational and research-focused content
Our website and journal provide insight into the operation, development, and management of automated trading systems. We publish operational lessons based on our proprietary research and trading activities. The Services are strictly for educational and informational purposes.
3.2 No client asset management; proprietary trading only
Bifin trades exclusively with its own proprietary capital. We do not manage external funds, act as a broker, execute trades on behalf of third parties, or accept client deposits.
3.3 Not investment advice or a solicitation
Nothing contained in the Services constitutes investment, financial, legal, or tax advice, nor is it a recommendation, offer, or solicitation to buy or sell any security or financial instrument. You are solely responsible for your own investment decisions.
3.4 Market and trading references
References to historical performance, trading systems (e.g., "SILK"), or market activities are for illustrative research purposes only. Past performance does not guarantee future results.
4. Eligibility, professional use, and account approval
4.1 Professional / business use
The subscription Services are intended for business, professional, and institutional users only. They are not directed at retail consumers.
4.2 Manual approval
We review all subscription requests manually. We reserve the right, at our absolute discretion, to approve or decline any request for access, or to revoke access at any time, for any reason (e.g., if we determine the applicant is not a professional user or is located in an unsupported jurisdiction). If your initial application is declined and you have made a payment, we will issue a full refund to the original payment method.
4.3 Age and capacity
You must be at least 18 years of law and have the legal capacity to enter into these Terms on behalf of yourself or the entity you represent.
5. Accounts and access security
To access subscriber-only journal content, you must register for an account.
- You agree to provide accurate, current, and complete information during registration.
- You are responsible for maintaining the confidentiality of your account credentials (handled via our provider, Memberstack) and for all activities that occur under your account.
- Account access is granted on a single-user basis and may not be shared, transferred, or sublicensed.
6. Subscriptions, billing, taxes, cancellation, and refunds
6.1 Subscription fees
Access to premium journal content requires an active subscription and payment of the stated fees (currently €149 per month, subject to change).
6.2 Taxes (including VAT)
- B2B customers (EU and abroad): Fees are stated exclusive of Value Added Tax (VAT) or other applicable sales taxes. If you are a business customer inside the EU (outside Luxembourg), please provide a valid VAT ID during checkout to apply the reverse charge mechanism. If you are a business customer outside the EU, VAT will generally not apply, subject to local rules.
- Luxembourg customers: Luxembourg VAT (currently 17%) applies to B2B and B2C customers located in Luxembourg.
- B2C / Non-business customers: While our services are intended for professionals, if we accept a subscription from an individual acting outside their trade, business, or profession within the EU, the applicable VAT rate of their Member State of residence will be added to the fee.
- You are responsible for any taxes applicable to your purchase, and such taxes will be calculated and collected during checkout where required.
6.3 Payment processing and onboarding providers
We use Memberstack to manage access and Stripe to process payments. By providing payment information, you authorize Stripe to charge the applicable fees (plus taxes) to your designated payment method.
6.4 Billing cycle and renewal
Subscriptions are billed in advance on a recurring monthly basis. Your subscription will automatically renew at the end of each billing cycle unless cancelled beforehand.
6.5 Access review and refunds if access is not granted
Because we manually review requests, your account may remain pending until approved. If we decline your access request after a payment has been processed, we will promptly refund the payment in full.
6.6 Cancellation
You may cancel your subscription at any time through your account portal. Cancellation will take effect at the end of your current paid billing period; you will retain access until that date.
6.7 Refunds for voluntary cancellation
Unless required by applicable law, subscription fees already paid are non-refundable for partial months of service if you choose to cancel.
6.8 Fee changes
We may change our subscription fees upon prior notice. Continued use of the subscription after the change takes effect constitutes agreement to the new fee.
7. Acceptable use
You agree not to:
- use the Services for any unlawful purpose or in violation of any applicable regulations;
- attempt to gain unauthorized access to our systems, scrape, or systematically extract data from the Website;
- redistribute, resell, publish, or publicly share subscriber-only content without our written authorization;
- use the Services to develop a competing product or service;
- interfere with the operation or security of the Website.
8. Intellectual property and license
8.1 Ownership
All content, code, design, logos, trademarks (including Bifin®), and intellectual property related to the Services are owned by Bifin Sàrl or our licensors.
8.2 Limited license
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and view the Website and authorized journal content for your internal professional use.
8.3 Feedback
If you provide us with feedback, suggestions, or ideas regarding the Services, you grant us an unrestricted, perpetual right to use that feedback without compensation to you.
9. Confidentiality of subscriber-only materials
Certain operational insights and journal posts available only behind the paywall are sensitive. You agree to treat subscriber-only content as confidential and not to disclose, forward, or publish it to non-subscribers, except where we expressly indicate the material is permitted for public distribution.
10. Third-party materials and links
The Services may contain links to third-party websites or display information provided by third parties (e.g., broker reports, regulatory filings). We are not responsible for the accuracy, content, or practices of such third parties.
11. Availability; changes to the Services
We endavour to keep the Website accessible, but do not guarantee uninterrupted availability. We may modify, suspend, or discontinue any aspect of the Services, including adding or removing journal content, at any time.
12. Disclaimers
12.1 "As is" and "as available"
The Services are provided "as is" and "as available". To the maximum extent permitted by law, Bifin disclaims all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the content is accurate, complete, or error-free.
12.2 No reliance
You acknowledge that any reliance on the content provided through the Services is at your own risk. The operational lessons and research we publish may not perform similarly in differing trading environments or for different entities.
13. Limitation of liability
To the maximum extent permitted by applicable law, in no event shall Bifin Sàrl, its directors, employees, or partners be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, or data, arising out of or related to your use of the Services or reliance on our content.
In no event shall our total aggregate liability arising out of or related to these Terms exceed the total amount paid by you to us in the three (3) months preceding the event giving rise to the claim, or €100, whichever is greater.
14. Indemnification
You agree to indemnify, defend, and hold harmless Bifin Sàrl and its personnel from and against any claims, liabilities, damages, losses, and expenses (including legal fees) arising out of or related to your violation of these Terms or your misuse of the Services.
15. Suspension and termination
15.1 Suspension/termination by Bifin
We may suspend or terminate your access to the Services immediately, without notice, if we determine you have materially breached these Terms, including failure to pay fees or unauthorized sharing of account credentials.
15.2 Termination by you
You may terminate these Terms by canceling your subscription and ceasing all use of the Services.
15.3 Effect of termination
Upon termination, your right to access subscriber-only content ceases. Sections related to Intellectual Property, Confidentiality, Disclaimers, Limitation of Liability, Indemnification, and Governing Law shall survive termination.
16. Privacy
Our processing of personal data is governed by our Privacy Policy, which forms an integral part of your relationship with us.
17. Changes to these Terms
We may revise these Terms occasionally. We will post the most current version on our Website with an updated "Last updated" date. If a revision meaningfully reduces your rights, we may notify you via the email associated with your account. Your continued use of the Services after revisions become effective constitutes acceptance of the updated Terms.
18. Miscellaneous
18.1 Entire agreement
These Terms, along with any other agreements expressly incorporated by reference, constitute the entire agreement between you and Bifin regarding the Services.
18.2 Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.
18.3 No waiver
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
18.4 Assignment
You may not assign your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.
18.5 Force majeure
Bifin shall not be liable for any failure or delay resulting from conditions beyond its reasonable control (e.g., natural disasters, acts of government, internet outages).
18.6 Language
These Terms are drafted in English. If they are translated into another language for convenience, the English version shall prevail in case of conflict.
19. Governing law and jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Grand Duchy of Luxembourg, without regard to its conflict of law provisions.
Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be subject to the exclusive jurisdiction of the courts of Luxembourg City, Grand Duchy of Luxembourg.
20. Contact
If you have questions about these Terms, please contact us at info@bifin.ai.