Terms and Conditions

Purpose

This document governs access to and use of the technological platform of OPTION PANEL, S.L. (hereinafter, “OPTION PANEL” or the “Platform”), as well as the obligations and duties that Clients must fulfil when using it, whether in the free or paid mode. The Platform is intended for the analysis of and trading in financial markets, with a specialization in financial options. The Platform offers real-time analysis tools, risk management, and a comprehensive view of trading operations.

The Platform is offered to clients located both inside and outside the European Union. In this respect, the Client acknowledges and accepts that the Platform is operated by OPTION PANEL from Spain and that the services offered are provided in accordance with Spanish law and the regulatory framework of the European Union, which constitute the main reference for the provision of the services and for the interpretation of these terms and conditions of contract.

By creating an account or using the Platform, the client (hereinafter, the “Client”) declares that they have read and accepted these terms and conditions.

These conditions have been drafted in a clear, simple and comprehensible manner, and are available to the Client in an easily accessible form and in a durable format, in accordance with the legal transparency obligations. OPTION PANEL may modify or update these terms and conditions where necessary to adapt them to regulatory, operational or functional changes of the Platform.

Identification of the owner and points of contact

In compliance with the applicable regulations on information society services and electronic commerce, it is stated that this website and application are owned by OPTION PANEL, S.L., with tax ID (CIF) B26653147, registered office at Plaza de la Estación, 4 - Bajo Izquierda, 46183 L’Eliana (Valencia), Spain, and registered with the Mercantile Registry of Valencia, sheet V-232213, IRUS 1000466943269, 1st entry dated 11/02/2026.

In order to ensure effective communication in relation to the application of Regulation (EU) 2022/2065 of the European Parliament and of the Council of 19 October 2022 on a Single Market for Digital Services and amending Directive 2000/31/EC (Digital Services Act, DSA), the following points of contact are made available, in both Spanish and English:

• For the Authority, the European Commission and the European Board for Digital Services: you can easily contact us at the following email address info@optionpanel.com
• For Clients: you can easily contact us at the following email address: info@optionpanel.com

OPTION PANEL undertakes to comply, in due time and form, with any order from the issuing authority in relation to illegal content or with requests for information from Clients. It will likewise inform the affected service recipient of the order received, its progress, reasoning, means of redress and territorial scope.

Nature of the service

The Platform provides technical and analytical tools so that the Client can understand, evaluate and manage their own trading activity. OPTION PANEL does not provide financial advice, does not issue personalized recommendations, does not carry out discretionary portfolio management or financial intermediation activities. OPTION PANEL acts exclusively as a provider of a technological platform. All investment decisions and operations in the Client’s broker account are the exclusive responsibility of the Client, without influence from OPTION PANEL.

The Client always and exclusively trades through their own account opened with an external broker. It is the Client themselves who, through their user control panel on the Platform, enters the data necessary to establish that connection with their external broker. Consequently, the Platform will only connect when the Client expressly configures it to do so. The purpose of the Platform is limited to displaying information, performing analysis and making complementary tools available. OPTION PANEL has no access to the Client’s funds and does not execute operations on its own account or on behalf of others.

While the Client may enter and send trade orders through the Platform, all trades are executed solely by the third-party broker connected by the Client. OPTION PANEL operates as a technology layer only: it has no control over the execution of an order, over whether that order is accepted or rejected, or over the price or the time at which it is filled, and it assumes no responsibility for any of them. The third-party broker identified in the Client’s own control panel, and not OPTION PANEL, is responsible for executing the orders sent from the Platform.

Access to the Platform may be provided free of charge, with basic features, or by subscribing to a paid plan that enables advanced features in accordance with these Terms and Conditions of Contract.

Access to the Platform is prohibited to persons under 18 years of age. The Client declares and warrants that they are at least 18 years old.

Client registration on the Platform

To access the Platform, prior registration is required by creating a Client account. During registration, the following data will be requested:

• Email address
• Country of residence
• Phone number
• Access password

Furthermore, if the Client decides to sign up for any of the paid modes offered by the Platform, at that point they may be asked for the economic data necessary to manage the payment. Notwithstanding the above, the Platform never stores Clients’ bank card data.

Once the data required in the registration form has been entered, in order to activate the account, OPTION PANEL carries out a verification process by sending a numeric code to the email address provided.

The Client is also solely responsible for safeguarding their credentials, maintaining the confidentiality of their password, and all activity carried out from their account on the Platform.

The Client is informed that, in accordance with Law 34/2002 on information society services and electronic commerce (LSSI) and applicable consumer regulations, the Provider will send confirmation of the contract together with the applicable Terms and Conditions on a durable medium. To this end, after the order is placed, the Provider will send the Client a confirmation email with the Terms and Conditions attached in PDF format (or an equivalent format) that allows for its storage and complete, unaltered and accessible reproduction over an appropriate period.

Connection with brokers and third-party APIs

The Platform may allow connection with brokers or third-party services through APIs authorized by the Client. The Client expressly authorizes such connection under their exclusive responsibility.

Therefore, the Platform does not control third-party services, does not guarantee the continuous availability of external APIs, is not liable for failures attributable to brokers or external providers, and is not liable for losses arising from third-party technical incidents.

The Client acknowledges that access to their broker’s information is carried out through limited permissions and access tokens authorized by the Client themselves.

Plans, prices and subscription

Access to certain features will require subscribing to one of the plans offered on the website, distinguishing between the free and paid modes, and the Client may choose monthly or annual payment.

Prices will be displayed in euros (€) for Clients in the European Union and in US dollars (USD) for Clients outside the EU, according to the country selected by the Client when registering for access to the Platform.

The Platform may modify the plans, features and prices, sending a subsequent notification advising of such modifications. Where a modification is made, it will not affect periods already paid for; it will take effect for the following period.

Billing and payments

Payments are managed through a specialized external provider; in this case the payment gateway used is Stripe.

The Platform does not store bank card data.

Access to and use of certain plans or features of the Platform may be subject to payment of the corresponding subscription, in accordance with the rates and economic conditions in force at any given time and shown to the Client during the contracting process.

Contract term and renewal

The contract will have a term in accordance with the Plan subscribed to by the user (annual or monthly). Notwithstanding the above, prior to subscribing, the user may carry out a free trial:

Free trial period

All plans offered by the Platform, including paid ones, may be tried free of charge during an initial period of fifteen (15) calendar days, without the Client needing to provide a means of payment.

During this trial period, the Client will see in their OPTION PANEL account information about the remaining free-trial time. In addition, when three (3) days remain before the end of that period, the Platform will send the Client a reminder by email informing them of the upcoming end of the trial and offering them the possibility of activating a paid subscription.

The end of the free trial period will not, under any circumstances, entail any automatic charge to the Client. Notwithstanding all of the above, should the Client not expressly subscribe to a paid plan before the end of the trial period, two situations will arise depending on whether:

• the trial was carried out on a paid plan, in which case the account will automatically move to the free plan, or
• the trial was carried out directly on the free plan, in which case the Client will continue to use that plan.

Automatic renewal of subscriptions

Subscriptions to paid plans will renew automatically for successive periods of the same duration as the one initially contracted, unless the Client deactivates the automatic renewal at any time before it takes effect.

Automatic renewal will entail the corresponding charge of the price applicable to the new subscription period using the payment method provided by the Client.

After each automatic renewal, the Client will receive the corresponding invoice by email, indicating the start of the new billing cycle, its duration, and the expected date of the next renewal.

In addition, the Client may consult at any time, from their control panel within their account on the Platform, the information relating to their active subscription and the date of the next renewal.

Subscription cancellation

The Client may cancel the automatic renewal of their subscription at any time from the “Manage Subscription” section or equivalent feature provided in their OPTION PANEL account.

Cancellation may be carried out up to the moment immediately prior to the automatic renewal, without the need to observe any minimum notice period. Once cancellation has been requested, no new charges will be made from the end of the period already paid for, and access to the contracted plan will be maintained until that date.

Cancelling the automatic renewal does not refund amounts already paid. A consumer who withdraws within the withdrawal period is refunded as the next section describes.

Right of withdrawal

A Client who contracts a paid plan as a consumer may withdraw from the contract within 14 calendar days from the day it is concluded, without giving any reason. Changing plan and the automatic renewal of a subscription do not conclude a new contract and do not open a new withdrawal period.

The Platform is a digital service supplied immediately. For that reason, before paying, the Client is asked to tick a checkbox, which is not pre-ticked and without which payment cannot be completed, by which the Client expressly requests that the subscription start immediately, within the withdrawal period, and acknowledges that, if they withdraw, they will pay for the service already provided, and that they lose the right of withdrawal once the service has been fully provided. OPTION PANEL keeps a record of that request, with its date and the version of the text accepted, and confirms it to the Client in the email that confirms the start of the subscription.

To withdraw, the Client may use the “Withdraw from contract here” function on the subscription page of their OPTION PANEL account, available throughout the withdrawal period, or send an unequivocal statement of their decision to info@optionpanel.com. The function asks the Client for their name and the email address where they wish to receive the confirmation, identifies the contract, and asks them to confirm the withdrawal. OPTION PANEL confirms receipt of the withdrawal by email without delay, stating its content and the date and time it was received.

When the Client withdraws, the subscription ends immediately and the Client pays an amount proportional to the service provided until OPTION PANEL received the withdrawal, calculated on the total price paid for the contract: that price multiplied by the time elapsed since the contract was concluded, divided by the time between its conclusion and the end of the period that price paid for. OPTION PANEL refunds the rest without undue delay and in any event within 14 days of receiving the withdrawal, using the same means of payment the Client used, at no cost to the Client.

Limitation of liability and exclusion of warranties of the Platform

The Client acknowledges and expressly accepts that they use the platform under their exclusive responsibility.

In accordance with articles 13 to 17 of the LSSI, which transpose articles 12 to 15 of Directive 2000/31/EC, OPTION PANEL, in its capacity as an information society service provider, will not be liable for the content, information or data generated, stored or transmitted by Users or by third parties through the Platform, unless it has actual knowledge that the stored information is unlawful or that it harms the property or rights of a third party susceptible to compensation.

Furthermore, the Client acknowledges and expressly accepts that the Platform is provided in accordance with the commercial information set out on the website, as well as in these Terms and Conditions of Contract. OPTION PANEL does not guarantee that the Platform will operate uninterruptedly, continuously or error-free; that it will produce accurate, complete or real-time updated results; or that it will be compatible with the Client’s systems, devices or configurations.

OPTION PANEL provides a technological tool to the Client and will not be liable, directly or indirectly, for any damage, harm or loss that the Client or third parties may suffer, including, by way of example but not limited to:

• a) economic losses, investment losses, loss of profits, loss of opportunities or losses arising from financial operations carried out by the Client,
• b) investment decisions made by the Client based on information, metrics or analysis displayed on the Platform,
• c) losses arising from market volatility, operational errors by the Client or actions of third parties,
• d) incidents, outages, disconnections, delays or errors in services provided by brokers, exchanges, data providers or integrated third parties,
• e) unauthorized access arising from the Client’s negligence in safeguarding their credentials.

The Client expressly acknowledges that all financial trading is carried out at their own discretion, risk and exclusive responsibility.

Under no circumstances will OPTION PANEL assume any liability for operations executed in external broker accounts or for losses arising from financial instruments of any kind.

The Platform may display market data from external providers that have no connection whatsoever with OPTION PANEL, with information relating to prices, quotes, financial metrics, implied volatility or derived indicators (“greeks”), among others. Consequently, OPTION PANEL assumes no liability for third-party content nor guarantees that such data is accurate, complete, truthful or updated in real time.

The Client acknowledges and accepts that such data is purely informative and indicative in nature, and that it does not in any case constitute financial advice, an investment recommendation, or an offer or solicitation to buy or sell financial instruments.

Should the information displayed prove to be incorrect, incomplete or displayed with delay due to failures, errors or interruptions of the external provider that supplies such data, OPTION PANEL will assume no liability for any losses, damages or investment decisions that the Client makes based on such information. Where the applicable law does not allow the total exclusion of liability, OPTION PANEL’s maximum aggregate liability will be limited, in any case, to the amount actually paid by the Client during the six (6) months prior to the event giving rise to the claim.

Suspension and termination for breach

Account suspension

OPTION PANEL may temporarily suspend the Client’s access to the Platform where necessary to protect the security, integrity or proper functioning of the service, or where there are reasonable indications of a breach of these Terms and Conditions or of the DSA.

Suspension may occur, among other cases by way of example but not limited to, in the event of:

• security risks or suspicious access;
• abusive or anomalous use of the Platform;
• technical incidents that may affect the service;
• non-payment of amounts due;
• internal investigations into possible unlawful or fraudulent uses;
• legal, judicial or administrative requirements;
• remediable breaches of these conditions.

The suspension will be provisional in nature and will be maintained for the time strictly necessary to verify the facts, resolve the incident or ensure the security of the Platform.

Termination for breach

OPTION PANEL may permanently cancel the Client’s account and terminate the contractual relationship immediately where there is a serious or repeated breach of these Terms and Conditions for reasons not attributable to OPTION PANEL.

Termination may occur, by way of example but not limited to, in the event of:

• use of the Platform for unlawful or fraudulent purposes,
• serious infringement of intellectual or industrial property rights,
• manipulation of, attack on, or unauthorized access to the Platform’s systems or infrastructure,
• use of bots, scraping, reverse engineering or unauthorized data extraction,
• use of the Platform for activities contrary to the applicable financial or market regulations,
• falsity of data or identity theft,
• repetition of previously suspended breaches,
• use of the Platform by minors.

Termination will entail the permanent loss of the right to access and use the Platform, without any right to a refund of the amounts paid.

Following the end of the contractual relationship, OPTION PANEL will retain the Client’s information and data hosted on the Platform for a period of 90 days, solely for the purpose of allowing it to be downloaded before its definitive deletion by OPTION PANEL.

To this end, once the end of the contractual relationship has been notified, within the aforementioned 90-day period, OPTION PANEL will make available to the Client, in the “User settings” section of the Client’s account, an export of all data available at that time, in order to facilitate its download and retention by the Client.

For all of the above, use of the Platform is carried out under the exclusive responsibility of the Client, who will be responsible for any damages, losses or expenses arising from the use they make of it, to the extent that they are not attributable to wilful misconduct or gross negligence on the part of OPTION PANEL.

Support

OPTION PANEL will make commercially reasonable efforts to ensure that the Platform operates substantially in accordance with these terms and conditions. However, availability may be affected by force majeure, third-party failures or the client’s breach.

As part of Client Support in the use of the Platform, OPTION PANEL makes available to the Client a section called “Help” through which they can request support or report any incident regarding the Platform.

In addition, OPTION PANEL provides Support to its Clients in writing through the following email addresses:

• For general matters: info@optionpanel.com
• For technical support: support@optionpanel.com
• For sales and related matters: sales@optionpanel.com

The contact hours are Monday to Friday from 9:00 to 18:00 (CET). Notwithstanding the above, the response time for requests received is as follows:

• Standard support: between 24 and 48 hours
• Priority support (for Clients who have subscribed to the “Pro” Plan or “Prime” Plan): within 12 hours

In any case, OPTION PANEL will make reasonable efforts to provide Support services in accordance with standard industry practices.

Process for reporting any illegal content on our Platform

Means of notifying illegal content by Clients

The Client may report any issue if they consider that there is illegal content on the OPTION PANEL platform. Accordingly, the user may send their notification through the support form in the Contact section of the platform, selecting “legal issue” as the Topic.

Out-of-court dispute resolution

In any case, OPTION PANEL allows users the possibility of accessing certified out-of-court dispute resolution bodies to resolve disputes relating to decisions made by OPTION PANEL. OPTION PANEL will likewise cooperate in good faith with the selected certified out-of-court dispute resolution body in order to resolve the dispute.

However, OPTION PANEL is not obliged to cooperate where the dispute has already been previously resolved regarding the same information and on the same grounds of alleged illegality and incompatibility of the content, with which it must cooperate in good faith. Such certified bodies must be impartial, independent and competent, offering clear, fair, and electronically accessible procedures.

The bodies’ decisions are communicated to the parties within a maximum of 90 days, extendable up to 180 days in complex cases. If the dispute is resolved in favour of the user, the platform covers all the body’s fees and reimburses the user’s reasonable costs; if it is resolved in favour of the platform, the user does not have to pay, except in cases of manifest bad faith.

Intellectual and industrial property rights

All content of the Platform, including by way of example but not limited to texts, images, graphics, logos, icons, photographs, designs, user interface, source and object code, software, algorithms, analysis models, databases, trademarks, trade names, know-how and any other element susceptible to protection, are the exclusive property of OPTION PANEL or its licensors, and are protected by national and international intellectual and industrial property law.

Access to the Platform does not grant the User any intellectual or industrial property right over its content, software or elements. The User has only a limited, personal, non-exclusive, non-transferable and revocable right of use, strictly confined to access to and browsing of the Platform in accordance with these Terms of Use and, where applicable, to the use of the contracted features in accordance with the Terms and Conditions of Contract.

The reproduction, distribution, public communication, transformation, making available or any other form of exploitation, in whole or in part, of the content of the Platform without the prior, express and written authorization of OPTION PANEL is expressly prohibited.

In particular, and without limitation, it is prohibited to: (i) copy, download or store the content of the Platform for purposes other than the User’s personal and private use; (ii) reverse engineer, decompile, disassemble or obtain the source code of the Platform’s software; (iii) extract, reuse or systematically exploit the content of the Platform’s databases by means of scraping, crawling, data mining or similar techniques; (iv) remove, alter or manipulate any copyright notice, trademark or other identifying sign.

Data protection

By creating an account or using the Platform, the Client acknowledges that they have read and accept OPTION PANEL’s Privacy Policy, which forms an integral part of these Terms and Conditions and which sets out in full the processing operations.

Updates to the Terms and Conditions

OPTION PANEL reserves the right to modify these Terms and Conditions whenever it deems appropriate or in order to adapt these texts to legislative changes.

OPTION PANEL will inform its Clients of any adaptations to these Terms and Conditions of Contract by sending them an informational email.

Applicable law and jurisdiction

In the event that any conflict or discrepancy arises in the interpretation or application of these contractual conditions, the parties agree to submit to Spanish law and, in general, to the Courts and Tribunals of Valencia, Spain.