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Terms of Use

TradinZ is operated by Dinzel IT d.o.o., Ulica Lea Müllera 43, 10090 Zagreb, Croatia · OIB 94890617087. Contact: dinz@dinzzz.com.

Last updated: 30 September 2026 · Related: Privacy Policy · Disclaimer · Methodology & Disclosures

1. Agreement to these terms

By accessing or using TradinZ (the "Service"), you agree to be bound by these Terms of Use, the Disclaimer, and the Privacy Policy, which together form the entire agreement between you and Dinzel IT d.o.o. ("we", "us"). If you do not agree, do not use the Service.

2. What the Service is

TradinZ is a financial information, analytics, and research tool. It displays market data, company fundamentals, regulatory-filing data, aggregated third-party analyst opinions, quantitative scores, news headlines, and interactive calculators. The Service is impersonal: its outputs are computed by the same rules for every user and take no account of any individual's circumstances. We are not an investment adviser, broker-dealer, portfolio manager, or fiduciary, we are not registered with any financial regulator, and no adviser-client, brokerage, or fiduciary relationship is created by your use of the Service. The Disclaimer is incorporated into these terms in full.

3. No advice; your decisions are yours

Nothing on the Service is investment, financial, legal, accounting, or tax advice, or a recommendation, endorsement, offer, or solicitation to buy, sell, or hold any security or other instrument. Scenario models, projections, "scorecards", and calculator outputs are hypothetical illustrations computed from stated assumptions — including assumptions you set yourself — and are not predictions or price targets. All investment decisions you make are made solely by you, at your own risk. Investing involves risk, including the possible loss of the entire amount invested. Past performance does not guarantee future results.

4. Data: sources, accuracy, and availability

Content is drawn from third-party sources (market-data providers, regulatory filings, public feeds and pages) and from our own computations over those sources. We do not verify third-party data and we make no representation or warranty that any content is accurate, complete, current, or uninterrupted. Data may be delayed, estimated, mis-mapped, split-unadjusted, in the wrong currency, or plainly wrong; computations inherit every defect of their inputs. AI-generated content is labeled where it appears and may contain errors. You must independently verify any information before relying on it.

5. Acceptable use

6. Connected accounts

Broker portfolio sync, where enabled for your account, uses a read-only broker API credential configured for specifically authorized accounts: the Service cannot and does not place orders or move funds. Where you supply your own broker API credentials, you confirm you are authorized to do so, you are responsible for safeguarding them, and you can revoke them at your broker at any time. Manually created portfolios and other content you enter are yours; you grant us the right to process them solely to operate the Service for you.

7. Eligibility and your account

You must be at least 16 years old and legally able to enter into these terms to use the Service. Keep your sign-in credentials confidential and the information on your account accurate. You may stop using the Service at any time, and you may delete your account at any time from the settings on either platform; deletion is described in the Privacy Policy.

8. Subscriptions and free Explore

Explore provides selected public research and labeled interactive examples without payment. It does not start a trial or a subscription. Pro requires a signed-in TradinZ account. The product, billing period, price and any applicable taxes are shown before checkout. Web subscriptions use Stripe; iOS subscriptions use Apple's App Store. Subscriptions renew automatically until cancelled through the provider used to purchase them.

Verified Pro access follows your TradinZ account across web and iOS. Cancelling renewal normally preserves access through the paid period shown in your account. Deleting an account closes its web subscription; App Store subscriptions must be cancelled separately. Complimentary access is separate from a paid subscription and does not create a payment obligation.

We may change subscription prices. A price change applies at the earliest from your next renewal, and we will give you advance notice through the Service or by email so you can cancel before it takes effect. Continued renewal after the notice period constitutes acceptance of the new price.

The plan screen states the AI companion question allowance. It resets each calendar month, and unused questions do not roll over. Availability also depends on service capacity. Interactive Explore alerts and scenarios do not monitor investments, deliver alerts, or predict returns.

9. Refunds and the EU right of withdrawal

If you purchase as a consumer in the EU/EEA, you have a statutory right to withdraw from a contract for digital services within 14 days of purchase without giving a reason. Because a subscription gives immediate access, checkout asks for your express consent to begin performance immediately and your acknowledgement that you lose the right of withdrawal once the service has been fully performed; if you withdraw within the 14-day period after performance has begun with your consent, you may owe a proportionate amount for the period already provided.

To exercise the right of withdrawal for a web purchase, email dinz@dinzzz.com within 14 days of purchase with an unequivocal statement of withdrawal. You may, but do not have to, use this model form: "I hereby withdraw from my contract for the TradinZ Pro subscription purchased on [date], account email [email]." Refunds due are issued to the original payment method within 14 days.

Purchases made through Apple's App Store are transactions with Apple: refund requests are handled by Apple through its refund process, and Apple's media-services terms govern them. Beyond statutory rights, payments are non-refundable for the current billing period; cancelling stops future renewals while access continues to the end of the paid period.

10. Intellectual property

The Service's software, design, computed analytics, and original text are owned by Dinzel IT d.o.o. or its licensors and are protected by law. Third-party data, trademarks, and headlines remain the property of their respective owners; their appearance here implies no affiliation or endorsement. You receive a limited, revocable, non-exclusive, non-transferable license to use the Service for its intended purpose, and no other rights.

11. Third-party links and content

The Service links to third-party websites and displays third-party headlines, opinions, and ratings. We do not control, endorse, or assume any responsibility for third-party content. Analyst opinions, price targets, ranks, and similar items are those of their named authors, not ours.

12. No warranty

THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TIMELINESS, NON-INFRINGEMENT, AND UNINTERRUPTED OR ERROR-FREE OPERATION, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. We may modify, suspend, or discontinue any part of the Service at any time without notice.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: (a) WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, LOSS OF CAPITAL, TRADING LOSSES, LOST OPPORTUNITY, OR LOSS OF DATA, ARISING OUT OF OR RELATING TO THE SERVICE OR ANY CONTENT, WHETHER BASED ON CONTRACT, TORT, STATUTE, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (b) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE AND EUR 50.

Nothing in these terms excludes or limits liability that cannot be excluded or limited under applicable law — including liability for intent or gross negligence, for death or personal injury caused by negligence, or mandatory consumer-protection rights in your country of residence, which remain unaffected.

14. Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify and hold harmless Dinzel IT d.o.o. and its officers, employees, and agents from any claims, damages, and reasonable costs (including legal fees) arising from your breach of these terms or your unlawful use of the Service.

15. Termination

We may suspend or terminate access to the Service at any time, with or without cause. Sections 3, 4, and 10–19 survive termination, together with any payment obligations already incurred.

16. Changes

We may update these terms from time to time; the "Last updated" date above reflects the current version. Continued use of the Service after changes take effect constitutes acceptance. Material changes will be signposted on the Service.

17. Complaints

If you are dissatisfied with the Service, you can submit a written complaint to dinz@dinzzz.com or by post to Dinzel IT d.o.o., Ulica Lea Müllera 43, 10090 Zagreb, Croatia. We respond to consumer complaints within 15 days of receipt, as required by the Croatian Consumer Protection Act. Consumers in Croatia may also seek alternative dispute resolution through the bodies notified by the ministry responsible for consumer protection.

18. General

We are not liable for delay or failure to perform caused by events beyond our reasonable control (including outages of third-party data sources, hosting or payment providers, and other force majeure events). You may not assign these terms; we may assign them in connection with a merger, acquisition or sale of assets, with notice to you. Notices to you may be given through the Service or to your account email; notices to us go to the contact address in Section 20.

19. Governing law and disputes

These terms are governed by the laws of the Republic of Croatia, excluding its conflict-of-law rules. The courts of Zagreb, Croatia shall have jurisdiction, provided that if you are a consumer in the EU/EEA you retain any mandatory rights to bring or defend proceedings in your country of residence. If any provision of these terms is held invalid, the remainder continues in effect, and the invalid provision is replaced by a valid one that most closely reflects its intent.

20. Contact

Questions about these terms: dinz@dinzzz.com.