Effective 26 August 2026. These Terms of Use ("Terms") are a legal agreement between you and BUFFLO PTY LTD, trading as Bufflo ("Bufflo", "we", "our" or "us"). They govern bufflo.io, our applications, and the market-data, company-research, charting, screening, alerting, artificial-intelligence, backtesting, brokerage-connectivity and related services we make available (together, the "Services").
You accept these Terms when you create an account, click to accept them, buy a subscription, or otherwise access or use the Services. If you do not agree, do not use the Services. Our Privacy Policy at bufflo.io/privacy also applies to your use of the Services.
You must be an individual at least 18 years old, legally capable of entering a contract, permitted to use the Services under the laws that apply to you, and eligible as a non-professional market-data user under applicable exchange and data-provider rules. Bufflo is not offered for use by companies, financial institutions, investment advisers, brokers, dealers or other professional market participants.
Bufflo may be accessed from many countries, but features, instruments, data, pricing, payment methods and connected brokers may differ or be unavailable by location. You are responsible for complying with local laws. You may not use the Services where doing so would breach trade sanctions, export controls, market rules or other applicable law.
Your account is personal to you. Accurate account information and strong security are especially important where market alerts or connected brokerage features are involved.
You must provide accurate, current information and keep it updated. You may not impersonate another person, create an account for someone without authority, sell or transfer your account, or allow others to use your credentials.
Keep your password, authentication codes, devices and linked-account permissions secure. Tell support@bufflo.io promptly if you suspect unauthorised access. You are responsible for activity authorised through your account to the extent permitted by law, but you are not responsible for activity caused by Bufflo's breach of these Terms or failure to use reasonable care.
Bufflo is an AI-native trading research and workflow platform for U.S.-listed stocks and ETFs. Features may include configurable workspaces, scanners, screeners, watchlists, charts, indicators and drawing tools. They may also include company information, fundamentals, analyst data, filings, news, market movers, alerts, earnings and IPO calendars, backtests and connected-broker tools.
While your account is active and you comply with these Terms, Bufflo grants you a limited, non-exclusive, non-transferable, revocable right to use the Services for your own lawful, personal and non-commercial trading and investment activities. This licence does not transfer ownership of the Services or their content.
We may improve, add, remove or change features. We will give reasonable advance notice if a change materially reduces a paid Service, unless an urgent security, legal, data-provider or operational issue makes advance notice impracticable. Features labelled beta, preview or experimental may be incomplete, inaccurate or withdrawn.
Market data, company information, news and other content may come from exchanges, brokers and other third-party providers. "Real time" describes the intended feed, not a promise that every item will reach every user without latency, interruption or error.
Data may be delayed, out of sequence, incomplete, inaccurate, corrected, duplicated, omitted, interrupted, unavailable or different from the data shown by your broker or an exchange. These issues may originate with an exchange, market-data or news provider, broker, telecommunications network or another upstream source before the data reaches Bufflo. Prices displayed by Bufflo may not be executable prices. Screeners, rankings, signals, indicators and calculations can inherit data errors or omit or misclassify a security. Trading halts, corporate actions, illiquidity, network conditions and provider outages can also affect results.
Analyst estimates, ratings, price targets, news and similar material reflect third-party information or opinions. They are not Bufflo recommendations. Filings and issuer disclosures should be checked against the official source. Earnings dates, IPO dates and other scheduled events are estimates and may change or be withdrawn without notice.
Web, mobile, push, email and sound alerts may be delayed, duplicated, missed or delivered after market conditions have changed. Do not rely on an alert as your only monitoring, risk-control or order-management method. Device settings, internet or mobile networks, and third-party notification services can affect delivery.
Market data is licensed only to eligible non-professional users for personal, non-commercial use through the Services. You must answer eligibility questions accurately and promptly tell Bufflo if your status changes. Unless Bufflo expressly permits it in writing, you must not scrape, download in bulk, redistribute, publish, sell, sublicense, create a substitute feed from, use the data for an external automated system, or use it to provide a service to another person.
You must not use Bufflo or its market data for an employer, company, fund, client or another person. You must not use it to provide investment, brokerage or financial services, or in a role that requires registration or qualification with a financial regulator, exchange or professional body. Use only your own capital. Do not receive compensation or share trading profits for using Bufflo on another person’s behalf. Exchange and data-provider definitions ultimately determine eligibility. If you become a professional user, stop using the market-data features and contact support@bufflo.io.
Bufflo can use generative AI to interpret prompts, answer questions and analyse stocks. It can also create or modify workspaces, screeners, alerts, backtests, scripts, indicators and trade-ticket drafts. AI output is probabilistic and can be wrong even when it sounds confident.
Bufflo AI may summarise and analyse market data, price action, technical indicators, company information, news, catalysts, historical patterns and possible scenarios. It may also perform calculations using parameters you select. It does not decide whether you should buy, sell or hold a security, what risk level is suitable for you, or whether a trade fits your financial circumstances. Analysis is informational and must not be treated as a personalised recommendation.
At your request, AI may prepare or modify a trade-ticket draft using your instructions and inputs. It may calculate values from those inputs. It does not submit an order. You must review every field and activate the relevant order control yourself.
AI may misunderstand your request, omit conditions, use incorrect assumptions, produce invalid logic, or return stale or inaccurate information. Review and test every output before saving, enabling or relying on it. AI output is not a substitute for independent research, professional advice or your own judgment.
You retain any rights you have in prompts and other content you submit. You give Bufflo a worldwide, non-exclusive licence to host, process, reproduce and transmit that content only as needed to operate, secure and support the Services as described in our Privacy Policy. As between you and Bufflo, and subject to applicable law and third-party rights, you may use output generated for you. Output may not be unique, and others may receive similar output.
To process an AI request, Bufflo may send a third-party model provider the prompt and the Bufflo context reasonably needed to answer it. This can include screeners, strategy settings, layouts, market data or connected-account context. Bufflo does not use this customer content to train AI models. We do not authorise model providers to use it for model training. A provider may retain request data for a limited period to deliver the service, maintain security, prevent abuse or comply with law. Our Privacy Policy separately explains how Bufflo handles personal information.
Do not submit content you do not have the right to use, material non-public information, brokerage passwords, authentication codes, payment-card details or other information that is not needed for the feature. You are responsible for your prompts and how you use generated output.
Backtests, performance metrics and hypothetical results are estimates based on rules, assumptions and historical or synthetic data. They do not represent actual trading and do not predict future performance.
Results may benefit from hindsight. They may not fully account for spreads, slippage, latency, partial fills, liquidity, fees, taxes, short availability, market impact, halts, rejected orders, corporate actions, data gaps, survivorship bias or changes in market conditions. They also cannot fully reproduce the financial pressure of a real loss. Small changes in inputs can materially change results.
Past, backtested, simulated or hypothetical performance is not a guarantee or reliable indicator of future results. You must independently validate a strategy and decide whether its risks are suitable for you.
Bufflo provides software, factual market information and user-directed analysis tools. Bufflo is not your financial adviser, fiduciary, tax adviser or legal adviser, and does not make investment decisions for you.
Nothing in the Services-including stock analysis, rankings, signals, alerts, AI responses, news, strategy explanations, backtests or examples-is an offer, solicitation, endorsement or recommendation to buy, sell or hold any security or use any strategy. Bufflo does not determine a suitable position size, stop-loss, take-profit or risk level for you. If a feature calculates those values, it does so mechanically from parameters you selected and does not assess whether those parameters are appropriate for your objectives, financial situation or needs.
You are solely responsible for deciding whether a trade or strategy is suitable, lawful and affordable. Consider obtaining advice from appropriately licensed professionals in your country and reviewing the issuer's official disclosures before acting.
Trading securities is speculative and involves substantial risk. You can lose some or all of the money you invest and, for products involving leverage or other obligations, may lose more than your initial amount.
Prices can move rapidly, particularly in volatile, low-priced, newly listed, thinly traded, pre-market or after-hours securities. Orders may be rejected, delayed, partially filled or filled at a materially different price. Stop and limit orders do not guarantee a fill or limit a loss.
You control your strategies, risk limits, position sizes, accounts and decisions. You are responsible for monitoring positions and orders, maintaining sufficient funds, understanding the instruments you trade, and paying brokerage charges, taxes and other costs.
Short selling, margin and extended-hours trading involve additional risk. Liquidity may be lower, spreads may be wider and prices may be more volatile. Losses may exceed the amount initially committed. Your broker may impose additional requirements.
Bufflo lets you connect a supported third-party brokerage account and place trades manually through Bufflo. Bufflo provides the software interface and transmits your instructions, but is not the executing broker, exchange, clearing firm, custodian or counterparty to your trades and does not hold your money or securities.
Your brokerage account and every order are governed by your separate agreement with the broker, including its eligibility, market-data, fees, margin, execution, cancellation, privacy and dispute terms. The broker decides whether to accept, reject, route, fill, modify or cancel an order. Balances, positions, buying power and order status shown by Bufflo may be delayed, incomplete or incorrect. Broker records and confirmations control if Bufflo displays different information.
By connecting an account and activating a submit or order control, you authorise Bufflo to transmit your instruction and related information to the selected broker. First check the account, symbol, side, quantity, order type, price, time in force, session and any attached orders. Saved or one-tap order controls may use values selected earlier. Review the displayed summary because prices, balances and market conditions may have changed. Bufflo does not independently assess suitability, buying power or risk beyond any interface validations.
A timeout, disconnection or error does not necessarily mean an order failed. Before retrying, modifying or cancelling, check the broker's official records to avoid duplicate or unintended orders. A cancellation request is not effective until the broker confirms cancellation, and an order may fill while cancellation is pending.
Connect only accounts you own or are authorised to control. Review permissions carefully and revoke access through Bufflo or your broker when no longer needed. Bufflo is not responsible for a broker's acts, insolvency, outages or security practices.
Bufflo Pro costs USD $19.99 per month, plus any applicable taxes disclosed at checkout. The included features and purchase terms shown before you subscribe form part of these Terms.
Eligible new users may receive a 14-day free trial with no payment card required. The trial expires without charging you. Paid access begins only if you separately choose and confirm a Bufflo Pro subscription. We may limit one trial per person, household or payment method to prevent abuse.
When you subscribe to Bufflo Pro, you expressly authorise a USD $19.99 charge, plus applicable taxes, at the start of each monthly billing period until you cancel. We will provide the purchase confirmation and any renewal reminders required by law. Keep payment information current. If payment fails, we or our payment provider may retry it and restrict paid access, subject to applicable law.
Prices may be displayed in a selected currency and may include or exclude taxes as disclosed at checkout. You are responsible for applicable taxes and any bank, foreign-exchange or payment-provider charges not collected by Bufflo.
If you buy through an app store, that store may collect payment and manage renewals, cancellation and refunds under its own terms. Prices, taxes, trial availability and features may differ between the app and website.
We may change a subscription price or plan for a future billing period. We will give reasonable advance notice and, where required by law, obtain consent. If you do not agree, you may cancel before the change takes effect. A change will not alter charges already paid for the current period.
You may turn off renewal through the account or billing-management flow made available for your purchase, or contact support@bufflo.io if that flow is unavailable. We will not make cancellation materially harder than sign-up.
Cancelling turns off renewal, prevents the next monthly charge and lets you keep paid access until the end of your current billing period. Cancellation does not automatically delete your account or connected data. A different result applies only where required by applicable law.
Payments are non-refundable except where a refund or other remedy is required by applicable law. We do not provide refunds because you changed your mind, did not use the Services or forgot to cancel before renewal. This does not limit any mandatory right to a refund, repair, re-performance, price reduction, cancellation or compensation for a faulty or misdescribed service.
Consumers in some countries have a statutory cooling-off or withdrawal right for online purchases or subscription renewals. We will honour those rights. Where the law permits, you may be asked at checkout to request immediate access and acknowledge how starting digital performance affects that right. App-store purchases may need to be cancelled or refunded through the relevant store.
Use Bufflo lawfully and in a way that does not harm the Services, markets, providers or other users.
You must not, and must not help another person to:
We may apply documented or reasonable usage limits to protect service stability, users and provider licences. If practical, we will warn you and offer a chance to reduce use before restricting an account, unless the activity creates an urgent security, legal, market-integrity or availability risk.
Your content may include prompts, strategy descriptions, watchlists, layouts, settings, code, scripts, indicators and other material you submit or create through the Services.
You keep ownership of your content. You confirm that you have the rights needed to submit it and that our permitted processing of it will not violate law or another person's rights. You remain responsible for the legality, accuracy and use of your content.
You grant Bufflo a worldwide, non-exclusive, royalty-free licence to host, copy, process, transmit and display your content only as needed to provide, secure, maintain and support the Services, comply with law, and exercise the rights described in these Terms and our Privacy Policy. This licence does not permit Bufflo to train AI models on your customer content. It ends when the content is deleted from our active systems, subject to reasonable backup retention, limited AI-provider retention and legal obligations.
Custom and AI-generated scripts or indicators can contain errors, recalculate as new data arrives or stop working. Review and test them before relying on them. We may sandbox, limit or disable code that threatens security, stability, legal compliance or provider rights.
If you voluntarily give us product ideas or feedback, you allow us to use it without restriction or payment. Do not send feedback you expect us to treat as confidential. This does not give Bufflo ownership of your other user content.
The Services-including BuffloChart, software, interfaces, design, documentation, branding and Bufflo-created content-are owned by Bufflo or its licensors and are protected by intellectual-property laws.
Except for the limited licence expressly granted in these Terms, Bufflo and its licensors reserve all rights in the Services. Bufflo names, logos and product names are Bufflo marks and may not be used in a way that suggests sponsorship or endorsement without permission.
Third-party content, data and open-source software may be governed by separate licences or notices. Those terms apply to the relevant material and prevail over these Terms to the extent of a conflict.
Bufflo relies on exchanges, data and news vendors, cloud and AI providers, payment services, app stores, telecommunications networks and connected brokers. Their systems are outside Bufflo's control.
A link or integration does not mean Bufflo controls or endorses the third party. Your use of a third-party service is governed by its own terms. Bufflo takes reasonable care in operating its integrations but does not control an upstream provider's source data, transmissions, systems or corrections. Bufflo is not responsible for a third party's independent acts, content, data errors, delays, omissions, decisions, availability or security, but this does not exclude Bufflo's responsibility for its own conduct.
We aim to provide a reliable Service but do not promise uninterrupted or error-free operation. Maintenance, emergencies, market events, capacity limits, cyber incidents and provider failures may interrupt access. Where practical, we will communicate planned maintenance and material incidents.
Nothing in these Terms excludes, restricts or modifies a consumer guarantee, statutory warranty, remedy or other right that applicable law says cannot be excluded or limited.
Our Services come with guarantees that cannot be excluded under the Australian Consumer Law. Depending on the circumstances, you may be entitled to have a problem rectified, cancel the service, receive a refund for an unused portion, or receive compensation for reasonably foreseeable loss or damage.
You may have similar mandatory rights under the laws of the country or region where you live. These Terms apply subject to those rights. If a provision conflicts with a non-waivable local right, that provision applies only to the maximum extent the law permits.
This section allocates risks that Bufflo cannot reasonably control. It applies only to the extent permitted by law and does not limit the mandatory consumer rights described above.
Except for express promises in these Terms and non-excludable rights, the Services are provided "as available". We do not warrant that market data, screeners, signals, alerts, scripts, indicators, AI output, backtests, calculations or third-party content will always be accurate, complete, timely, secure or suitable for a particular purpose.
To the maximum extent permitted by law, Bufflo is not liable for indirect, incidental, special or consequential loss, or for trading losses, loss of opportunity, profit, revenue, goodwill or data arising from market movements; your decisions, rules or strategy settings; missed or delayed alerts; or delayed, out-of-sequence, incomplete, inaccurate, corrected, duplicated, omitted, interrupted or unavailable data received from an exchange, market-data or news provider, broker or other upstream source. The exclusion does not apply to the extent a loss was caused by Bufflo's fraud, wilful misconduct, gross negligence or recklessness, or where liability cannot lawfully be excluded.
To the maximum extent permitted by law, Bufflo's total aggregate liability arising out of the Services or these Terms is limited to the subscription fees you paid Bufflo in the 12 months before the event giving rise to the claim. For a user who paid no subscription fees during that period, the contractual cap is zero. This cap limits liability only if liability otherwise legally exists; it does not create a claim or admission of liability.
The exclusions and cap above do not apply to fraud, wilful misconduct, gross negligence or recklessness by Bufflo; death or personal injury caused by Bufflo where that liability cannot be limited; breach of a non-excludable consumer guarantee or statutory duty; or any other liability that applicable law does not allow Bufflo to exclude or limit. Any mandatory remedy remains available to the extent required by law.
If your unlawful conduct causes a third party to make a claim against Bufflo, you are responsible for the resulting harm to the extent you caused it.
To the extent permitted by law, you will indemnify Bufflo against reasonable third-party claims, losses and costs arising directly from your material breach of these Terms, infringement of another person's rights, unlawful market conduct, or misuse of the Services. This does not require you to indemnify Bufflo for Bufflo's own negligence, breach or wrongdoing. We will give you prompt notice and reasonable cooperation, and will not settle a claim in a way that admits fault by you without your consent.
You may stop using Bufflo and cancel renewal at any time. You may request account closure through an available account setting or by contacting support@bufflo.io.
We may limit or suspend access when reasonably necessary to investigate or prevent a material breach, fraud, unauthorised access, security threat, market abuse, legal violation, non-payment, harm to others, or a breach of provider or exchange requirements. Where reasonable, we will explain the reason and allow you to appeal or remedy it.
We may terminate an account for a serious or repeated breach, where required by law or a provider, or if we discontinue the Services. Except where urgent action is necessary, we will give reasonable notice. If we discontinue a prepaid Service without cause attributable to you, we will provide a pro-rata refund for the unused period unless a greater remedy is required by law.
When access ends, your licence to use the Services ends. Orders already sent to a broker and positions in your brokerage account remain your responsibility. Before closure, export anything you need and independently review your broker account. Terms that by their nature should continue-including ownership, payment obligations, disclaimers, liability limits and dispute terms-survive.
We may update these Terms to reflect new features, business practices, provider requirements, security needs or changes in law.
We will post updated Terms with a new effective date. For a material change, we will provide reasonable advance notice by email or in the Services unless urgent legal or security reasons require faster action. Changes apply prospectively from their effective date.
If you do not agree to a material change, you may stop using the Services and cancel your subscription before it takes effect. Continued use after the effective date constitutes acceptance where permitted by law; where law requires express consent, we will ask for it.
Our Privacy Policy at bufflo.io/privacy explains how Bufflo handles personal information. A connected broker, payment provider, app store or other third party handles information under its own privacy policy.
You agree to receive electronic communications needed to operate your account, such as security, billing, legal, order-status and service notices. These are not marketing messages. You may opt out of marketing communications using the unsubscribe method provided, but not essential service notices while your account remains open.
We may send notices to the email address on your account, display them in the Services, or post them on our website. Keep your contact details current. Electronic communications satisfy written-notice requirements to the extent permitted by law.
Please contact support@bufflo.io first so we can try to resolve a concern quickly and fairly. Nothing in this section prevents either party from seeking urgent interim relief or using a regulator, ombudsman, tribunal or small-claims process available under applicable law.
Before starting formal proceedings, each party should give the other a written description of the issue and requested outcome and allow 30 days for a good-faith response, unless delay would prejudice a legal right or limitation period.
These Terms are governed by the laws of Victoria, Australia and the applicable laws of Australia. Courts with jurisdiction in Victoria have non-exclusive jurisdiction. If you are a consumer, this choice does not deprive you of mandatory protections or the right to bring a claim in another court that the laws of your country make available to you.
These provisions explain how the agreement operates as a whole.
These Terms, the Privacy Policy, the plan and purchase terms shown at checkout, and any feature-specific terms we present form the agreement between you and Bufflo about the Services. If terms conflict, feature-specific or purchase terms control for that feature or purchase, followed by these Terms.
If a provision is unlawful or unenforceable, it will be modified only as much as necessary or severed, and the rest will continue. A delay in enforcing a right is not a waiver of that right.
You may not transfer these Terms or your account without our written consent. Bufflo may transfer these Terms as part of a merger, financing, reorganisation or sale of the relevant business if the transfer does not materially reduce your rights. Neither party is responsible for delay caused by events beyond its reasonable control, but this does not excuse payment already due or limit non-excludable consumer rights.
These Terms do not create an employment, partnership, joint venture, agency, advisory or fiduciary relationship. Except where applicable law says otherwise, a person who is not a party to these Terms has no right to enforce them.
Questions, complaints and legal notices about these Terms can be sent to support@bufflo.io.
Email: support@bufflo.io. Include the email address on your account and enough detail for us to understand the issue, but never send your password, authentication code or full payment-card details.
The Services are provided by BUFFLO PTY LTD, an Australian private company registered in Victoria (ABN 85 693 514 000; ACN 693 514 000). Business address: Suite 329, 98-100 Elizabeth Street, Melbourne VIC 3000, Australia. Legal notices may be sent to that address or to support@bufflo.io.
This information is current as of the last updated date shown above.