End User License Agreement
Last updated: 2026-05-31
This End User License Agreement ("Agreement") is a legal agreement between you ("you" or "Licensee") and Max Shing ("we", "us", or the "Licensor") governing your use of the desktop software application Helmfolio and any associated updates, documentation, and services (collectively, the "Software").
By downloading, installing, activating, or using the Software, you agree to be bound by this Agreement. If you do not agree, do not install or use the Software.
1. License grant
Subject to your compliance with this Agreement and payment of any applicable fees, the Licensor grants you a personal, non-exclusive, non-transferable, revocable license to install and use the Software on the number of devices permitted by your license key, solely for your own internal and personal use.
2. License keys and activation
The Software is licensed, not sold. Use of certain features requires a valid license key, which may be limited to a maximum number of activated devices. The Software may periodically validate your license with our licensing service. You agree not to share, resell, sublicense, or circumvent license keys or activation limits.
3. Subscription / fees
Access may be provided on a paid basis (for example, a one-time purchase or a recurring subscription) as described at the point of sale. Fees are processed by our payment/licensing provider (Lemon Squeezy), which acts as merchant of record. Taxes, billing, renewals, and cancellations are subject to the terms presented at checkout and the provider's terms.
4. Restrictions
You shall not, and shall not permit any third party to: (a) copy, modify, or create derivative works of the Software except as expressly permitted; (b) reverse engineer, decompile, or disassemble the Software, except to the extent such restriction is prohibited by law; (c) rent, lease, lend, sell, sublicense, or distribute the Software; (d) remove or alter any proprietary notices; or (e) use the Software to develop a competing product.
5. Ownership
The Software is owned by the Licensor and is protected by copyright and other intellectual property laws. Except for the limited license expressly granted, no rights are transferred to you. All rights not expressly granted are reserved.
6. Your data
The Software is local-first. Your trading data, credentials, and settings are stored on your device as described in the Privacy Policy. You are solely responsible for the accuracy of data you import and for maintaining backups.
7. Third-party services and marks
The Software may interoperate with third-party services (including Interactive Brokers' Flex Web Service and market data sources). Your use of those services is governed by their respective terms. The Software is not affiliated with, endorsed by, or sponsored by Interactive Brokers or any other broker, exchange, or data provider. All trademarks are the property of their respective owners.
8. Not financial advice
The Software is for informational and analytical purposes only and does not provide financial, investment, trading, legal, accounting, or tax advice. You are solely responsible for your investment decisions. See the accompanying "Not Financial Advice" Disclaimer, which is incorporated into this Agreement by reference.
9. Disclaimer of warranties
The Software is provided "as is" and "as available" without warranty of any kind, whether express, implied, or statutory, including without limitation the implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. The Licensor does not warrant that the Software will be error-free, uninterrupted, or that any calculations or data will be accurate or complete.
10. Limitation of liability
To the maximum extent permitted by law, in no event will the Licensor be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or trading losses, arising out of or related to your use of or inability to use the Software, even if advised of the possibility of such damages. The Licensor's total aggregate liability under this Agreement will not exceed the amount you paid for the Software in the twelve (12) months preceding the claim. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
11. Indemnification
You agree to indemnify and hold harmless the Licensor from any claims, damages, or expenses arising from your misuse of the Software or breach of this Agreement.
12. Term and termination
This Agreement is effective until terminated. It terminates automatically if you breach any term. Upon termination you must cease using the Software and delete all copies. Sections that by their nature should survive termination (including ownership, disclaimers, limitation of liability, and governing law) will survive.
13. Updates
The Software may download and install updates automatically or with your consent. Updates are subject to this Agreement unless accompanied by a separate license.
14. Export and compliance
You agree to comply with all applicable laws and regulations in connection with your use of the Software, including export-control and sanctions laws.
15. Governing law
This Agreement is governed by the laws of Hong Kong, without regard to its conflict-of-laws principles. The courts located in Hong Kong will have jurisdiction over any disputes, subject to any mandatory consumer-protection laws of your country of residence.
16. Entire agreement
This Agreement, together with the Privacy Policy and the Not Financial Advice Disclaimer, constitutes the entire agreement between you and the Licensor regarding the Software and supersedes all prior understandings. If any provision is held unenforceable, the remaining provisions remain in effect.