Legal
The complete set of legal documents for Schmatz. Click through to any page below. All documents reference each other where relevant; you can also start with the Terms of Service or the Disclaimer and follow links from there.
- Terms of service →
The agreement between you and Schmatz. Acceptable use, intellectual property, no warranties, limitation of liability, and termination.
- Disclaimer & risk notice →
Not investment advice. Paper trading only. Honest accounting of the V7 backtest with the factor-exposure caveats. Publisher's-exemption analysis.
- Privacy policy →
What we collect, why, where it lives, how long we keep it, your rights, and the California-specific addendum.
- Cookies & tracking →
The short inventory: one authentication cookie via Clerk, nothing else. No analytics. No advertising.
- Security overview →
Auth posture (Clerk-delegated). Transport (HTTPS). Data at rest. Access controls. What we don't claim (no SOC 2 yet). Incident response.
- DMCA notice →
How to send a copyright takedown notice, how to send a counter-notice, and our repeat-infringer policy under 17 U.S.C. § 512.
- Accessibility statement →
WCAG 2.1 AA aspiration, known limitations of the current release, and how to report accessibility blockers.
- Refund policy →
The free tier is free — nothing to refund. Reserved for the paid-tier terms that apply once Pro subscriptions are live.
For the curious
The legal pages above were drafted with reference to specific statutes, court cases, and regulations. The full list of sources is maintained at docs/LEGAL_SOURCES.md in the project repository — a research trail that lets you verify the law we relied on, with direct links to public sources (Cornell LII for U.S. Code, the Washington Legislature for RCW, Justia for case law). Until a real attorney has signed off on the language, that doc is also the honest acknowledgment that the pages here are operator-drafted templates, not attorney work product.