Terms of Service

The agreement

These terms are between you (or the company you represent) and T Robinson Consulting LLC, 6065 Roswell Road, Ste 450, Sandy Springs, GA 30328, USA, trading as FXthom. By creating an account or using the service you accept them. If you are agreeing on behalf of a company, you confirm you may bind it.

What the service is

FXthom is analytics and decision-support software for foreign-exchange exposure. It takes the cash flows and contract terms you enter, computes what currency movements do to them, and presents the result — including documents you can generate and keep.

What it is not

• We are not a broker, dealer, bank or investment adviser, and we are not regulated as one.
• We do not execute trades, place hedges, move money or hold funds.
• Figures are estimates computed from the data you supply and from published reference rates. They depend entirely on the accuracy of your inputs and the assumptions you select.
• Decisions about your business and its currency exposure remain yours. Take professional advice where it matters.

Your account

Keep your credentials secure and tell us promptly if you believe someone else has access. You are responsible for activity under your account. Two-factor authentication is available and we recommend it.

Do not use the service unlawfully, do not attempt to breach or probe its security, do not try to reach another tenant’s data, and do not resell access without our written agreement.

Payment

Subscriptions are billed in advance through Stripe and renew until you cancel. Cancelling stops the next renewal and you keep access to the end of the period you have paid for. One-time purchases — the paid documents — are charged once and the entitlement they grant does not expire.

Prices are in US dollars and exclude any tax that may apply. We may change prices, and will give notice before a change affects a renewal.

Refunds

If the service is not what you expected, email info@fxthom.com within 14 days of a charge and we will refund it. For one-time document purchases, we will still consider a refund after a document has been generated — tell us what went wrong.

Please contact us before disputing a charge with your bank. A dispute takes weeks to resolve and freezes the amount while it runs; we can usually settle the same day.

Your data stays yours

You own the data you enter and the documents you generate. We claim no rights over them beyond what is needed to run the service for you. We do not use your business data to train machine-learning models. How we handle it is set out in the privacy policy.

We own the software, the interface and the methodology behind it. Your subscription is a right to use the service, not a transfer of it.

Availability

We work to keep FXthom available and accurate, but we do not promise uninterrupted service. We may change, suspend or withdraw features, and will give reasonable notice where a change materially reduces what you are paying for.

Limits of liability

The service is provided “as is”, without warranties beyond those that cannot lawfully be excluded. To the fullest extent the law permits, we are not liable for indirect or consequential loss, lost profits, or trading, hedging or business decisions made using the platform.

Our total liability for any claim is limited to the amount you paid us in the twelve months before it arose. Nothing here excludes liability for fraud, or for anything else that cannot lawfully be limited.

Ending it

You may close your account at any time from Settings. We may suspend or close an account that breaches these terms or that we are required to act against, and will tell you why unless prevented from doing so. Export anything you want to keep before closing — closure removes your company’s records.

Governing law

These terms are governed by the laws of the State of Georgia, USA, and the courts of that state have exclusive jurisdiction.

Changes

We may update these terms. If a change materially affects you, we will update the date above and tell you by email before it takes effect. Questions go to info@fxthom.com, or see support.