Legal
TERMS OF SERVICE
By submitting a membership request, accepting an invitation, or using X-15 Copilot ("the Service"), you agree to these Terms of Service and the accompanying Privacy Policy. If you do not agree, do not use the Service.
X-15 Copilot is an educational and informational platform built for options traders — it is not a trading platform, brokerage, or execution venue of any kind. The Service provides a personal trading journal, technical analysis screener, performance tracking, and educational/training content, all for informational and organizational purposes only. While the Service's educational content, Setup Library, and screener are focused on options trading, the trading journal itself can also be used to log and track stock trades. The Service does not accept orders, route trades, hold funds or securities, or connect to any brokerage account for the purpose of executing transactions. All actual trading activity takes place entirely outside the Service, on the member's own separate, independent, third-party brokerage or trading platform.
2A. Membership Application, Approval & Invitation
Access to the Service is by invitation only. Individuals not already known to X-15 Inc. may submit a Membership Request.
Membership Requests are reviewed and approved at the sole discretion of X-15 Inc. Submission of a request does not guarantee approval or access.
Approved applicants receive an invitation by email, valid for 24 hours from the time it is sent. Invitations not accepted within this window expire automatically. An expired invitation does not guarantee a new one will be issued; a new Membership Request may be submitted.
X-15 Inc. reserves the right to limit the total number of active members at its discretion and may decline or waitlist requests for this reason, among others.
Acceptance of these Terms and the Privacy Policy is required during onboarding, before any access to the Service is granted.
X-15 Copilot is an educational and informational tool. It is not a trading platform, and it does not provide financial, investment, tax, or legal advice, and does not issue buy, sell, or hold directives of any kind. The Service's screener and "Setup" features identify and describe technical patterns observed in market data (e.g. "Oversold Reversal," "Uptrend Continuation") for informational and educational purposes only. A Setup being identified or displayed is a description of a technical condition, not an instruction, signal, or recommendation to take any action.
X-15 Copilot is not a brokerage, does not execute trades, does not hold or have access to member funds or securities, and does not place orders on any member's behalf. Any trade a member chooses to place is executed entirely on that member's own separate, third-party brokerage or trading platform, which is not affiliated with X-15 Copilot. The decision to act — or not act — on any Setup, screener result, watchlist entry, alert, trade idea, earnings data, educational/training material, FBO post, or any other content in the Service is made solely and independently by the member, on the member's own platform, at the member's own discretion and risk.
Nothing displayed in the Service — including but not limited to technical setups, screener results, watchlists, alerts, trade ideas, earnings data, educational/training material, FBO posts, or any other content — constitutes a recommendation to buy, sell, or hold any security or financial instrument.
All trading and investment decisions are made solely at your own discretion and risk. Options trading involves substantial risk of loss and is not suitable for all investors. Past performance, backtested results, displayed setups, or any statistics shown (including win-rate or performance data, whether personal or aggregate) are not indicative of future results.
You should consult a licensed financial advisor before making any investment decision. Neither X-15 Copilot, X-15 Inc., nor its directors, officers, employees, affiliates, or agents are registered investment advisors, broker-dealers, or financial professionals, unless separately and explicitly stated.
The Service displays data sourced from third parties (including but not limited to Finviz Elite and Finnhub). This data may be delayed, inaccurate, or interrupted. We do not guarantee its accuracy, completeness, or timeliness, and are not liable for decisions made based on it.
Approved and onboarded members pay a one-time Enrollment Fee (amount as stated at the time of your invitation) upon acceptance of these Terms. This fee covers your first 60 days of membership, including full access to the Service and the educational/training curriculum released during that period.
The Enrollment Fee is non-refundable.
Beginning in month 3 (i.e., at the conclusion of the 60-day period covered by the Enrollment Fee), membership automatically continues on a recurring monthly membership fee (amount as stated at the time of your invitation), charged automatically to the payment method provided at enrollment, unless canceled beforehand.
We will send you two reminder notices by email in advance of the first recurring monthly charge: one approximately 7 days before, and a final reminder approximately 1 day before, so you have clear, repeated notice and the opportunity to cancel beforehand if you do not wish to continue into the recurring membership phase.
You may cancel the recurring monthly membership at any time before the conclusion of the 60-day period covered by your Enrollment Fee, at no additional charge. If you cancel, you retain full access to the Service through the end of that 60-day period — cancellation simply prevents the recurring monthly membership from beginning; it does not affect or refund the Enrollment Fee already paid, nor does it cut short the 60 days of access already paid for.
Once in the recurring monthly membership phase, you may cancel at any time. Upon cancellation, access continues until the end of the then-current monthly billing period; no partial refunds are provided for the remainder of that period unless required by law.
If a member does not continue past the initial 60-day period, or later cancels the recurring monthly membership, a former member wishing to regain access must submit a new Membership Request, undergo the same application and approval process as a new applicant, and pay a new Enrollment Fee if re-approved; no expedited or automatic re-entry, and no credit for a previous Enrollment Fee, is provided.
Prices (Enrollment Fee and recurring monthly fee) may change for future applicants with reasonable notice; changes will not retroactively apply to an already-active member's current pricing unless otherwise stated at the time of any such change.
Payment processing is handled by Stripe. We do not store your full payment card details.
5A. Communications During Membership
By accepting these Terms, you consent to receive electronic communications from us related to your membership, including informational check-ins during your membership, updates about the Service, and administrative or billing notices.
Where required by applicable law (including Canada's Anti-Spam Legislation, "CASL"), commercial electronic messages will include a functional unsubscribe mechanism, and consent will be collected and recorded separately from general Terms acceptance during onboarding.
You may withdraw consent to non-essential communications at any time; essential account, billing, and security-related communications will continue regardless, as necessary to operate the Service.
You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us promptly of any unauthorized use.
Content posted by members in the FBO or similar collaborative features is their own opinion and not endorsed or verified by X-15 Copilot. We reserve the right to remove content that violates these Terms.
7A. Confidentiality of Member Content
X-15 Copilot is a private membership community. Content shared within the Service — including but not limited to FBO posts, training and educational material, and discussions among members — is intended solely for members and is not to be copied, redistributed, screenshotted for external sharing, or otherwise disclosed outside the Service without permission. Members agree to treat this content as confidential to the membership community.
To the maximum extent permitted by law, X-15 Copilot, X-15 Inc., and its directors, officers, employees, affiliates, and agents (collectively, the "X-15 Parties") shall not be liable for any indirect, incidental, consequential, or special damages, including but not limited to trading losses, lost profits, or data loss, arising from your use of the Service, even if advised of the possibility of such damages.
Without limiting the foregoing, no X-15 Party is responsible or liable for any loss — financial or otherwise — resulting from a member's trading decisions, including decisions made in reliance on any Setup, screener result, watchlist entry, alert, trade idea, earnings data, educational/training material, FBO post, or any other content displayed in the Service. As stated in Section 3, no Setup or other content in the Service is, or is intended to be, a buy, sell, hold, or other trading command or instruction — all trading decisions and their outcomes are the member's sole responsibility.
The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including fitness for a particular purpose or non-infringement.
We may suspend or terminate your membership for violation of these Terms, breach of confidentiality obligations, or for non-payment, at our discretion.
We may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms. Material changes will be communicated via email or in-app notice where practical.
These Terms are governed by the laws of the Province of Quebec, Canada, without regard to conflict of law principles.
Questions about these Terms can be sent to admin@x-15.ca.
PRIVACY POLICY
1A. Privacy Officer
In accordance with Quebec's Act respecting the protection of personal information in the private sector ("Law 25"), X-15 Inc. has designated a person responsible for the protection of personal information (the "Privacy Officer"). By default, and unless another person is designated, this role is held by Yves, the owner/operator of the Service. Questions, concerns, or requests regarding your personal information can be directed to the Privacy Officer at admin@x-15.ca.
• Membership application information: name, email address, and any other information submitted as part of a Membership Request, along with approval status and history
• Account information: name, email address, password (hashed via Supabase Auth)
• Trading data you enter: trades, portfolios, notes, watchlists, and related content you create in the Service
• Payment information: processed and stored by Stripe, not directly by us. We may retain limited billing metadata (e.g. membership status, plan, renewal date) but not full card numbers.
• Usage data: basic technical data such as IP address, browser type, and access logs, for security and troubleshooting purposes
• Session and engagement data: we track login/logout events and time spent actively using the Service (e.g. session duration, time of day used, feature usage such as Screener/Watchlist activity) to understand and improve the member experience. This data is tied to your account internally but is not shared with third parties and is not used for advertising purposes.
• Communication consent records: whether and when you consented to receive marketing/informational communications, for compliance purposes.
• To evaluate Membership Requests and manage the approval and invitation process
• To provide and maintain the Service
• To process payments and manage memberships
• To send essential account/billing communications (e.g. renewal notices, password resets) and, with consent, informational check-ins and product update communications
• To improve the Service and diagnose issues
We do not sell your personal information to third parties.
We use third-party providers to operate the Service, including:
• Supabase (database and authentication)
• Vercel (hosting)
• Stripe (payment processing)
• Finviz Elite / Finnhub (market data — no personal data shared with these providers beyond what's needed for API requests, if any)
• Our email service provider (transactional and membership communications)
Each of these providers has its own privacy practices governing data they process on our behalf.
3A. Cross-Border / Out-of-Province Data Transfers
Some of the third-party providers listed above (including Supabase, Vercel, Stripe, and our market data and email providers) may store or process personal information outside Quebec, including in other Canadian provinces or outside Canada. Before using a service provider located outside Quebec, we assess that the information will receive protection equivalent to that required under Quebec law, as required by Law 25.
We retain your membership application, account, and trading data for as long as your membership is active, and for a reasonable period after a declined application or ended membership in case you reapply or wish to reactivate, unless you request deletion sooner.
Depending on your jurisdiction, you may have rights regarding your personal information. For Quebec residents, under Law 25, these include the right to:
• Access and be informed of the personal information we hold about you
• Correct inaccurate, incomplete, or outdated information
• Request that we cease disseminating your personal information, or de-index any hyperlink attached to your name that gives access to information about you, in certain circumstances
• Receive your personal information in a structured, commonly used technological format (data portability), where applicable
• Withdraw consent to the processing of your personal information, subject to legal or contractual restrictions
Contact our Privacy Officer at admin@x-15.ca to make such a request. We will respond within the time period required by applicable law.
We take reasonable technical measures (e.g. encrypted connections, access controls via Supabase Row Level Security) to protect your data, but no system is completely secure, and we cannot guarantee absolute security.
6A. Confidentiality Incidents (Breach Notification)
In the event of a confidentiality incident (e.g. unauthorized access, use, or disclosure of personal information) that presents a risk of serious injury, we will notify Quebec's Commission d'accès à l'information (CAI) and affected individuals as required by Law 25, and will take reasonable steps to reduce the risk of harm. We maintain a register of confidentiality incidents as required by law.
The Service is not intended for individuals under the age of 18 (or the age of majority in your jurisdiction). We do not knowingly collect data from minors.
We may update this Privacy Policy from time to time. Continued use of the Service after changes take effect constitutes acceptance.
Questions about this Privacy Policy can be sent to admin@x-15.ca.
By using X-15 Copilot you agree to the Terms of Service and Privacy Policy, which cover how your account and trading data are stored and used, and the conditions of your membership.