Terms & Conditions

Last updated: September 10, 2026

1. Introduction and Acceptance

This document sets out the terms and conditions ("Terms") governing the use of the twm.one website, the trading platform, and the local TWM software (collectively, the "Services"), developed and operated by:

"TWM" is the trademark and product name under which ASKO SA provides the Services.

By creating an account, clicking "I Accept", installing the Software, or otherwise accessing or using the Services, the User confirms that the User has read, understood, and accepted these Terms. If the User does not agree, the User must not access or use the Services.

1.1 Language and Interpretation

In case of discrepancies, ambiguities, or misinterpretations arising from translations of the Services, the English version prevails.

2. Definitions

• ASKO SA / ASKO: ASKO SA, Via Ceresio 43, 6963 Lugano, Switzerland.
• TWM: the Services and related software provided under the "TWM" name.
• User: an individual (natural person) who accesses and uses the Services for personal purposes.
• Software: the local TWM application installed on the User’s device.
• Trading Provider / Provider: a third-party platform (exchange, broker, or similar) connected via APIs.
• API Keys: credentials generated by the User on a Provider to allow technical connectivity.
• Orders: trade instructions created by the User and submitted via the Services for transmission to a Provider.
• Order Transmission: the technical routing of Orders through ASKO infrastructure to a Provider API endpoint.
• Marketplace Content: third-party indicators, tools, extensions, templates, or other digital items offered via the Services.
• Paid Plans: subscriptions or licenses granting access to paid features, content, limits, or tiers.
• Machine ID: a technical identifier used to associate access rights with a device.
• Restricted Jurisdiction: any country/territory where access or use of the Services is prohibited, restricted, or would (in ASKO SA’s reasonable assessment) create heightened legal, compliance, sanctions, or risk exposure.
• Sanctions: applicable trade, economic, or financial sanctions laws and related restrictive measures.
• AI Features: artificial intelligence functionality made available through or in connection with the Services, including website assistants and optional connections with external artificial intelligence services.
• External AI Provider: a third party provider of artificial intelligence models, tools, or services used through or in connection with the Services, including OpenAI and Anthropic where applicable.
• AI Input: any prompt, instruction, code, file content, configuration, technical information, or other content submitted or made available to an AI Feature.
• AI Output: any text, code, strategy, explanation, configuration, suggestion, analysis, action proposal, or other content generated or modified through an AI Feature.

3. Purpose of the Services and Role of ASKO SA

3.1 Services Description

The Services provide software tools for market visualization, analysis, and the creation and submission of Orders to third-party Trading Providers selected by the User. Features may include charts, order tools, alerts, automation modules, educational materials, and a marketplace for digital content.

3.2 Technical Nature of the Services

The Services are a technical platform and do not constitute:

• custody or safeguarding of client assets or private keys;
• a bank, broker, dealer, or investment firm;
• investment advice, portfolio management, or personal recommendations;
• discretionary management of a trading account;
• financial, legal, or tax advisory services.

3.3 Order Transmission Disclosure

When a User submits an Order through the Services, the Order may be transmitted through ASKO-controlled servers and then routed to the relevant Trading Provider for execution. ASKO SA’s role is limited to the technical processing and routing of User instructions. This technical routing does not create custody of funds or assets by ASKO SA. The User remains the decision-maker and retains responsibility for each Order and its parameters.

Providers execute Orders under their own rules, fees, matching engines, execution policies, and risk controls. ASKO SA does not control execution outcomes, fills, rejections, slippage, liquidation mechanisms, margin rules, or Provider downtime.

3.4 Business Model

The Services may be offered via free and paid tiers. ASKO SA may earn revenue from:

• Paid Plans (subscriptions or licenses);
• Marketplace sales and revenue share with third-party creators;
• commercial arrangements with Providers, including volume-based commissions where applicable.

4. Eligibility, Non-Solicitation, and Legal Use

4.1 Eligibility

The Services are intended for individual retail Users (natural persons). By using the Services, the User confirms that:

• the User is at least 18 years old (or the age of majority in the User’s jurisdiction);
• the User has legal capacity to accept these Terms;
• the User uses the Services for personal purposes and not on behalf of an entity or business;
• the User is not prohibited from using the Services under applicable law.

4.2 Lawful Use Only

Access to and use of the Services is permitted only where lawful. The User remains solely responsible for determining whether the Services can be used in the User’s jurisdiction, including compliance with financial services, consumer protection, tax, sanctions, and data protection laws.

The User must not use the Services in any way that would cause ASKO SA to breach applicable laws or expose ASKO SA to regulatory, enforcement, or sanctions risk.

4.3 Non-Solicitation and No Targeting

ASKO SA operates from Switzerland and does not intentionally target, solicit, or actively market the Services into jurisdictions where offering the Services would require local authorization. If the User resides in or accesses the Services from such a jurisdiction, the User confirms that:

• access is not based on targeted marketing or solicitation by ASKO SA;
• any use remains subject to Section 4.2 (lawful use only);
• ASKO SA may restrict or terminate access at any time under Section 4.4.

This section does not constitute legal advice and does not guarantee that regulators in any jurisdiction will treat use of the Services as permissible.

4.4 Restricted or High-Risk Jurisdictions

ASKO SA may, in its sole discretion, restrict, suspend, or terminate access in any jurisdiction (including but not limited to Restricted Jurisdictions, jurisdictions subject to Sanctions, embargoes, or heightened compliance risk). The Services may be unavailable or limited in certain countries and territories.

4.5 Sanctions and Prohibited Persons

The User represents that the User is not (i) located in, ordinarily resident in, or accessing the Services from a Restricted Jurisdiction, and (ii) not subject to Sanctions or listed on any applicable restricted party list. The User must not use the Services to evade Sanctions or other legal restrictions.

5. Registration, Security, and Account

5.1 Registration Information

The User must provide accurate, complete, and current information during registration. The User is responsible for maintaining account security and confidentiality of credentials.

5.2 Machine ID and Device Controls

• Single active device: a Paid Plan may limit simultaneous use to one active device at a time.
• Reset: Machine ID may be reset via twm.one/profile, subject to anti-abuse controls.
• Abuse: attempts to bypass licensing controls may lead to suspension or termination.

5.3 Location and Access Monitoring

For security and compliance, ASKO SA may process access data including IP address, device identifiers, and access logs to assess jurisdictional eligibility, detect fraud, and secure the Services, as described in the Privacy Policy.

ASKO SA may also request reasonable information or evidence to verify eligibility or location and may suspend access if verification is not provided. Further details, including retention periods and Users’ rights, are provided in the Privacy Policy at twm.one/privacy-policy.

5.4 Electronic Communications

The User agrees that ASKO SA may provide notices, disclosures, and communications electronically (e.g., within the Services or via email). Contractual and service-related notices (including security alerts, changes to these Terms, and information about the User’s account) may be sent without separate consent and are deemed received when sent or made available, subject to mandatory law.

Marketing communications and promotional messages are sent only where required consent has been obtained (where applicable). The User may at any time manage and modify communication preferences, including marketing opt-in and opt-out settings, via the profile section at twm.one/profile or by using the unsubscribe or settings options included in each communication. Critical security alerts are not subject to opt-out.

6. API Keys and Provider Connection

6.1 User-Generated API Keys

Connectivity to a Provider occurs via API Keys generated by the User within the Provider account. The User remains responsible for selecting permissions and securing API Keys. The User is responsible for ensuring that API permissions reflect the User’s intended risk level.

6.2 Storage and Security of API Keys

API Keys are stored on the User’s local device and are not stored on ASKO SA’s servers. TWM desktop AI integrations are not provided access to API Keys, private keys, passwords, payment credentials, or other locally stored authentication secrets.

The User remains responsible for protecting the device on which the Software is installed, maintaining operating system and account security, and selecting Provider permissions that reflect the User’s intended risk level. ASKO SA recommends using the permissions required for the intended connection and using Provider side security controls where available.

The User understands that granting extensive permissions, including trading or withdrawal permissions, to API Keys may increase risk on the Provider account. ASKO SA does not control the Provider’s handling of API permissions, accounts, or assets.

6.3 Provider Terms and Separate Relationship

The User enters into a separate contractual relationship with each Provider. The User must comply with the Provider’s terms, fee schedules, trading rules, and KYC/AML requirements. ASKO SA is not responsible for Provider decisions, account actions, restrictions, suspensions, closures, investigations, or enforcement measures. Any issues relating to account opening, account closure, KYC, AML, or other regulatory checks are handled by the relevant Provider and not by ASKO SA.

7. Orders, Execution, and Trading Risk

7.1 User Decisions and Responsibility

All Orders are created and submitted by the User. The User remains solely responsible for: instrument selection, timing, size, leverage, risk parameters, and confirmation of Order details.

7.2 Risk Warning

Trading in financial markets, including digital assets and derivatives, involves significant risk and may result in total loss. Leverage can amplify losses, and rapid liquidation may occur on Provider platforms under their rules. Past performance is not indicative of future results.

7.3 No Advice, No Fiduciary Relationship

The Services may display market data, analytics, templates, examples, or educational content. Such materials are general information and do not constitute investment advice, personal recommendations, or fiduciary services. ASKO SA does not assess the suitability or appropriateness of any transaction or strategy for the User and does not provide financial advice, including with respect to digital assets or cryptocurrencies.

7.4 Technical Routing, Latency, and Failures

Order Transmission may be affected by latency, connectivity, Provider availability, rate limits, or outages. ASKO SA does not warrant that Orders will be transmitted, received, accepted, or executed. The User acknowledges that network conditions, system interruptions, maintenance, software bugs, and Provider behavior may lead to delays, duplicates, partial fills, rejections, or other unexpected outcomes.

8. Automations, Alerts, and User Control

8.1 User Configuration

If automation modules, bots, templates, or rule-based features are available, the User configures parameters and activates or deactivates usage. Outputs, triggers, and resulting Orders remain the responsibility of the User.

8.2 No Discretionary Management

Availability of automation features does not create discretionary management by ASKO SA. ASKO SA does not control the User’s account, capital allocation, or trading objectives.

8.3 Monitoring Duty

The User must monitor activity and promptly disable features in case of abnormal behavior, market changes, or configuration issues. The User is responsible for applying appropriate risk controls on the Provider account (where available).

8.4 Artificial Intelligence Features

The Services may include or permit access to AI Features, including an AI based support assistant and connections with External AI Providers.

AI Features use probabilistic technology and may produce inaccurate, incomplete, outdated, insecure, misleading, or otherwise unsuitable results. AI Output is provided as technical or informational assistance and does not constitute a representation, warranty, guarantee, or commitment by ASKO SA.

The availability and capabilities of AI Features may vary according to the User’s plan, configuration, connected External AI Provider, permissions, jurisdiction, or technical limitations. ASKO SA may modify, restrict, suspend, or discontinue any AI Feature where reasonably necessary for legal, compliance, security, provider policy, technical, or business reasons.

8.5 AI Support Assistant

The AI Support Assistant available through the TWM website is an automated artificial intelligence system and is not a human employee, adviser, or representative of ASKO SA. The interface is intended to inform Users when they are interacting with an AI system.

The AI Support Assistant may provide general information concerning the Services, documentation, technical troubleshooting, installation, connections, licensing, strategies, or other TWM functionality. Responses may contain errors and should be independently verified where material.

Statements generated by the AI Support Assistant do not amend these Terms, create contractual commitments on behalf of ASKO SA, or constitute financial, investment, legal, tax, or other professional advice. Where available, a User may submit a support ticket for human review if the AI Support Assistant does not resolve the issue.

8.6 AI Assisted Code, Strategies, and Technical Content

AI Features may assist Users in creating, modifying, explaining, compiling, debugging, testing, or analyzing code, indicators, strategies, configurations, and other technical content.

The User remains solely responsible for reviewing and validating AI Output and for determining whether any code, strategy, configuration, or other AI Output is suitable for the User’s intended purpose.

AI generated code or strategies may contain programming errors, security vulnerabilities, incorrect assumptions, unintended behavior, or logic capable of producing unexpected trading outcomes. Users should test and validate AI Output in an appropriate non live environment before using it in connection with a live Trading Provider account.

Past backtesting, simulation, optimization, validation, or AI analysis does not guarantee future performance or trading results.

8.7 User Control, AI Assistance, and Trading Decisions

AI Features may provide analysis, explanations, suggestions, strategy logic, code, configurations, or proposed actions based on information made available through TWM.

AI Features are intended to operate as assistive tools and do not independently determine whether a User should enter into, modify, or exit a financial transaction.

Where TWM functionality allows a User to act on AI generated information or a proposed action, any Order, stop loss, position management instruction, activation of live trading, or other transaction affecting a Trading Provider account is executed by TWM only after the User has reviewed and expressly confirmed the relevant action.

The User retains final control over every trading decision and remains solely responsible for deciding whether to act on AI Output, reviewing all relevant parameters, and confirming Orders and other trading actions before execution.

AI Output does not constitute personalized investment advice, portfolio management, discretionary management, or a recommendation by ASKO SA to enter into any particular transaction. ASKO SA does not determine the User’s investment objectives, risk tolerance, instrument selection, position size, leverage, or trading strategy.

AI generated analysis, code, strategies, configurations, and proposed actions may contain errors, incorrect assumptions, or unintended behavior. Users should independently review and validate AI Output and apply appropriate risk controls before using it in connection with live trading.

External AI Providers may impose additional restrictions on financial, investment, or transaction related functionality. The availability of AI Features is therefore subject to the applicable terms and policies of the External AI Provider, and ASKO SA may restrict or disable functionality where necessary to comply with such requirements.

8.8 External AI Providers

Certain AI Features may depend on services supplied by External AI Providers. Use of such services may be subject to the terms, privacy policies, usage policies, account requirements, geographic restrictions, service limits, and other conditions imposed by the relevant External AI Provider.

External AI Providers operate services that are not controlled by ASKO SA. ASKO SA does not guarantee the availability, continued compatibility, accuracy, functionality, model behavior, response quality, or continued provision of any External AI Provider. Models, features, limits, policies, pricing, or technical interfaces offered by an External AI Provider may change or become unavailable.

Where a User connects an External AI Provider through the User’s own account or credentials, the User is responsible for maintaining that account, complying with the provider’s terms, selecting appropriate privacy settings, and paying any provider charges that may apply.

8.9 User Connected Personal AI Accounts

Where a User connects an External AI Provider through the User’s own account or credentials, the User enters into and maintains a separate relationship with that External AI Provider. The User’s use of that account is subject to the provider’s applicable terms, privacy policy, usage policies, account settings, service limitations, and charges.

The User is responsible for deciding which prompts, code, data, configurations, market information, and other content to intentionally submit or make available to the External AI Provider through the integration, and for ensuring that the User has the rights and authority necessary to provide that content.

The User is responsible for reviewing AI Output and deciding whether and how to use it within TWM. AI Output may be inaccurate, incomplete, outdated, or unsuitable for the User’s intended purpose.

ASKO SA does not control the External AI Provider’s independent processing of information within the User’s own account, including the provider’s retention, model improvement, privacy, and account settings. Users should review and configure those settings directly with the External AI Provider.

Nothing in this Section limits ASKO SA’s responsibilities for the operation, security, and design of the TWM Services, for the information and functions that TWM makes available through an integration, or any responsibility that cannot be excluded under applicable law.

8.10 AI Inputs, Outputs, and Intellectual Property

The User is responsible for ensuring that the User has all necessary rights, licenses, permissions, and authority to submit or make available any information, code, documents, data, or other content to an AI Feature or External AI Provider.

As between the User and ASKO SA, ASKO SA does not claim ownership of the User’s AI Inputs or AI Output solely because an AI Feature is used. Rights relating to AI Output may additionally be subject to applicable law and to the terms of the relevant External AI Provider.

AI Output may not be unique, and similar or identical output may be generated for other users. AI generated code or other output may incorporate, resemble, or be affected by material subject to third party intellectual property rights or open source license requirements. The User is responsible for reviewing such requirements before use or distribution.

8.11 Confidential Information, Personal Data, and Credentials

Users must not submit passwords, exchange API Keys, private keys, authentication secrets, recovery phrases, payment credentials, or other security credentials to an AI Feature.

Users remain responsible for determining whether confidential, proprietary, personal, or otherwise sensitive information is appropriate to provide to an External AI Provider. Users should provide only information reasonably necessary for the requested task.

Personal data processed through AI Features is handled as described in the Privacy Policy at twm.one/privacy-policy.

9. Paid Plans, Billing, and Refunds

9.1 Pricing and Billing

Pricing, billing cycles, and plan features are displayed at checkout and within the User account. ASKO SA may change prices for future billing periods. Continued use after a price change constitutes acceptance. Taxes (including VAT/sales tax) may apply depending on the User’s location and applicable law.

9.2 Automatic Renewal and Stripe Billing

Recurring Paid Plans, including monthly and yearly subscriptions where offered, renew automatically through Stripe unless the User cancels the renewal before the end of the then-current billing period or trial period. By purchasing or activating a recurring Paid Plan, the User authorizes ASKO SA, through Stripe, to charge the selected payment method automatically for recurring subscription fees, applicable taxes, and any other amounts clearly disclosed at checkout.

Stripe may store and process the User's payment method for recurring billing, payment authentication, failed-payment handling, invoice processing, and fraud prevention. ASKO SA does not store full card numbers on its own systems. Payments remain subject to Stripe's own terms, privacy policy, authentication requirements, and payment network rules.

9.3 Cancellation of Renewal

The User may cancel the renewal of an active subscription through the account/subscription area where available, or by contacting support at twm.one/support. Cancellation stops future recurring charges for the canceled subscription. Unless mandatory law requires otherwise, cancellation does not refund fees already charged for the current billing period.

After cancellation, the User normally retains access until the end of the already paid billing period, trial period, or remaining licensed period shown in the account, unless access is suspended or terminated earlier due to breach, fraud, chargeback, refund, legal requirement, or security/compliance risk. To avoid an automatic renewal charge, the User must cancel before the next renewal date.

9.4 Trials, Discounts, Upgrades, and Plan Changes

Promotional codes, discounts, credits, and trial periods may apply only to eligible plans and only under the conditions displayed at checkout. A promotional or discounted first billing period may renew at the full or then-current recurring price unless the User cancels before the renewal date.

When changing from one recurring plan to another, remaining paid time may be converted into a trial or credit period where supported. When upgrading to a lifetime or other one-time plan, the previous recurring subscription may be canceled and replaced by the new license or access rights. Available upgrade rules, credits, and access periods are determined by the checkout flow and account status.

9.5 One-Time Plans, Extension Licenses, and Algotrading Offers

Lifetime plans, fixed-duration promotional offers, extension licenses, open-source licenses, and Algotrading package or upsell offers are one-time purchases unless the checkout page expressly states that the selected offer is a recurring subscription. A one-time purchase does not automatically renew.

Digital extensions, add-ons, license keys, source-code packages, and similar items purchased through the shopping cart are licensed digital goods. Access, download, or license activation may be granted after successful payment confirmation, subject to the license type, duration, and product details displayed at checkout.

Some Algotrading purchases may save a payment method with Stripe for future use, for example to allow later upgrades, upsells, authentication, or payment recovery. Saving a payment method does not itself create a recurring subscription unless a recurring plan is expressly selected and confirmed by the User. Later purchases using a saved payment method are charged only when the User confirms the relevant offer or where otherwise clearly disclosed at checkout.

9.6 Payment Processors

Payments are processed by third-party payment processors. Payment data is handled under the processor’s terms and privacy policy.

9.7 No Refunds (Except Mandatory Law)

Fees are non-refundable except where mandatory consumer protection law applies. No refunds are provided for trading losses, missed opportunities, outages, latency, or termination due to breach.

9.8 Chargebacks and Disputes

Unjustified chargebacks or payment disputes may result in account suspension or termination and recovery action for losses and fees. ASKO SA may provide relevant account and transaction information to payment processors to contest disputes, subject to the Privacy Policy.

9.9 Withdrawal Right and Consumer Rights

Users may have statutory withdrawal, cancellation, refund, or other consumer rights depending on their country of residence, the nature of the product or service purchased, and applicable mandatory law.

Paid Plans and other digital features may be activated or made available immediately following successful payment. Immediate activation does not exclude or limit any consumer right that cannot lawfully be excluded or limited.

Where applicable law requires an express request for immediate performance, an acknowledgement concerning the effect on a withdrawal right, or another specific consumer protection step, ASKO SA will apply the relevant requirement to the extent it applies to the purchase concerned.

Nothing in these Terms excludes, restricts, or waives any statutory consumer right that cannot lawfully be excluded, restricted, or waived.

10. Marketplace and Third-Party Content

10.1 Third-Party Content

Marketplace Content may be provided by third parties. ASKO SA does not warrant quality, suitability, legality, or fitness of third-party content. ASKO SA does not endorse third-party creators and is not responsible for third-party statements, performance claims, or outcomes. Disputes regarding third-party content may require contacting the relevant creator.

10.2 Digital Items

Marketplace Content is typically delivered as digital items and may be subject to special conditions displayed at purchase. Unless mandatory law requires otherwise, digital purchases are final.

10.3 Removal and Moderation

ASKO SA may remove, disable, or restrict Marketplace Content or accounts where reasonably necessary for legal, compliance, safety, or risk reasons.

10.4 Compliance, Moderation, and Intellectual Property

ASKO SA implements reasonable measures to review Marketplace Content before publication and may refuse to list or may remove content that it reasonably considers illegal, infringing, misleading, harmful, or otherwise inappropriate (including content that is fraudulent, deceptive, or inconsistent with applicable financial, consumer, or data protection regulations).

Third-party creators and sellers represent and warrant that they own, or have obtained, all necessary rights, licenses, and permissions to offer their Marketplace Content through the Services, and that such content does not infringe third-party rights or applicable law. Creators are solely responsible for their Marketplace Content and for responding to claims, complaints, or inquiries relating to that content.

If ASKO SA receives a credible notice or claim that Marketplace Content is unlawful, infringes intellectual property, violates Provider terms, or breaches regulatory requirements, ASKO SA may take appropriate action, including removal or disabling of the relevant content or account, without prejudice to any rights or remedies available under law or these Terms.

10.5 Digital Delivery, Activation, and Proof of Purchase

Digital Goods are delivered and activated as follows:

• Delivery Method: Digital Goods (including Marketplace Content and license keys) are delivered via account access, download link, or email within minutes of successful payment confirmation.
• Activation: The User's account is activated and/or access is granted immediately upon payment authorization by the payment processor. This constitutes proof of delivery and acceptance.
• Proof of Purchase: Order confirmations, invoice records, account access logs, and download records are maintained by ASKO SA and serve as proof of delivery and successful purchase.
• Non-Transferable: Digital Goods, including license keys, extension access, and templates, are personal, non-transferable, and licensed to the original purchaser only. Sharing, resale, or redistribution is prohibited under Section 14 (Intellectual Property).
• No Refund Upon Download/Access: Once a Digital Good has been accessed, downloaded, or activated, no refund is available except where mandatory consumer law explicitly requires otherwise.

11. Prohibited Use and Compliance

The User must not:

• use the Services for unlawful purposes, fraud, market manipulation, or deceptive practices;
• attempt to bypass geo-controls, sanctions controls, security, or licensing restrictions (including by VPN, proxies, spoofing, or similar techniques);
• reverse engineer, exploit, or interfere with the Services, including abusive API usage, scraping, or denial-of-service activity;
• use the Services in violation of Provider terms or applicable law;
• use the Services to evade Sanctions or other legal restrictions.

ASKO SA may investigate suspected breaches and may suspend or terminate access where reasonably necessary.

12. Warranties, Disclaimers, and Limitation of Liability

12.1 "As Is" and "As Available"

The Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including availability, accuracy, fitness for a particular purpose, or non-infringement. ASKO SA does not warrant uninterrupted operation, error-free functionality, or that defects will be corrected immediately.

12.2 Trading Losses and Provider Failures

To the maximum extent permitted by law, ASKO SA is not liable for trading losses, lost profits, missed opportunities, liquidation events, or Provider failures, including outages, rejections, fee changes, execution differences, or enforcement actions. The User’s relationship with the Provider governs custody of funds, execution, and account-level risk controls.

12.3 Indirect Damages

To the maximum extent permitted by law, ASKO SA is not liable for indirect, consequential, incidental, special, or punitive damages, including loss of data, loss of goodwill, or business interruption.

12.4 Maximum Liability

Where liability cannot be excluded, ASKO SA’s aggregate liability for claims related to the Services is limited to the amount paid by the User to ASKO SA for the Services in the three (3) months preceding the event giving rise to the claim. This limitation applies to the total of all claims and all theories of liability, to the extent permitted by law.

13. Indemnity

The User agrees to defend, indemnify, and hold harmless ASKO SA, its directors, officers, employees, and partners from claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from:

• breach of these Terms;
• unlawful use of the Services in the User’s jurisdiction;
• misuse of API Keys or Provider accounts;
• content uploaded or actions taken by the User through the Services;
• claims by a Provider, regulator, or third party arising from the User’s activity or non-compliance.

14. Intellectual Property

The Services, Software, design, trademarks, documentation, and related materials are owned by ASKO SA or its licensors and protected under Swiss and international intellectual property law.

Subject to compliance with these Terms and payment of applicable fees, ASKO SA grants the User a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for personal purposes.

Prohibited acts include copying, resale, distribution, reverse engineering, decompilation, or creation of derivative works except where mandatory law permits.

14.1 User-Generated Content

Templates, configurations, strategies, and other content created by Users within the Services remain the property of the respective Users. ASKO SA may store, process, and use such User-generated content as necessary to operate, maintain, and improve the Services, including for backup, support, and security purposes, but does not claim ownership over such content. Users remain responsible for ensuring that their User-generated content does not infringe third-party rights or applicable law.

15. Changes to the Services and to the Terms

ASKO SA may modify the Services and these Terms for legal, compliance, security, or business reasons. Material changes may be communicated via the website or email. Continued use after changes constitutes acceptance.

16. Term and Termination

16.1 Term

The Terms apply from first access and remain in force until termination.

16.2 Termination by the User

The User may stop using the Services at any time by uninstalling the Software and closing the account (where available).

16.3 Suspension or Termination by ASKO SA

ASKO SA may suspend or terminate access with immediate effect where reasonably necessary, including for: suspected breach, fraud, security concerns, legal or compliance risk, sanctions risk, or inability to verify eligibility.

16.4 Effects of Termination

Upon termination, the license ends and the User must stop using the Services. Data retention and deletion are addressed in the Privacy Policy at twm.one/privacy-policy, including information on how long different categories of data are retained and when they are deleted or anonymized, subject to legal obligations (such as record-keeping and regulatory requirements). API Keys stored on the User’s device are under the User’s control and should be removed by the User if no longer needed.

17. Privacy

Personal data processing is governed by the Privacy Policy available at twm.one/privacy-policy, and applicable Swiss data protection law (nLPD) and, where applicable, GDPR. ASKO SA does not itself perform KYC/AML checks on behalf of Providers. Providers may require identity verification or other checks under their own rules. Any such processing is carried out directly by the relevant Provider under its own terms and privacy policy.

18. Governing Law and Jurisdiction

These Terms are governed by Swiss law. Exclusive jurisdiction for disputes lies with the competent courts of Canton Ticino, Switzerland, subject to mandatory consumer law provisions that cannot be waived.

18.1 Class Actions

To the extent permitted by applicable law, the User agrees to bring claims only on an individual basis and not as a plaintiff or class member in any purported class or representative proceeding. This clause does not limit rights that cannot be waived under applicable mandatory law.

19. General Provisions

19.1 Entire Agreement

These Terms and the Privacy Policy constitute the entire agreement regarding the Services.

19.2 Severability

If any provision is held invalid or unenforceable, the remaining provisions remain in effect.

19.3 Assignment

The User may not assign rights or obligations under these Terms without prior written consent. ASKO SA may assign rights and obligations as part of corporate restructuring or transfer of the Services.

19.4 Force Majeure

ASKO SA is not liable for delays or failures caused by events beyond reasonable control, including outages, cyber incidents, Provider outages, and governmental actions.

19.5 Notices

Official notices to ASKO SA may be sent to info@twm.one. Notices to the User may be sent to the email address associated with the account.

20. Contacts