These Terms of Service govern your access to and use of PnL Plus at https://pnl.plus and related services. Please read them carefully. By creating an account, connecting a trading account, publishing a public profile, or otherwise using the Service, you agree to these Terms.
The Service is operated by LAYERONE SYSTEMS PTE. LTD., a company registered in Singapore with UEN 202554830W, at 10 Anson Road, #20-05, International Plaza, Singapore 079903. In these Terms, PnL Plus, we, us, and our refer to LAYERONE SYSTEMS PTE. LTD.
If you do not agree to these Terms or our Privacy Policy, do not use the Service.
PnL Plus is a premium trading journal and verified track-record platform. It connects to supported trading accounts, including MetaTrader MT4/MT5, Exante, and Interactive Brokers (IBKR), reads account data read-only, and computes statistics, analytics, dashboards, and optional public performance profiles.
The Service is provided through the website at https://pnl.plus. There is no PnL Plus mobile app.
PnL Plus is not a broker, exchange, trading venue, investment adviser, financial adviser, tax adviser, legal adviser, asset manager, copy-trading service, or money manager. We do not place, modify, or close trades. We do not submit orders. We do not hold, deposit, withdraw, transfer, or move funds.
The Service is informational and analytical. You remain solely responsible for your trading, investment, tax, legal, and financial decisions.
You must be at least 18 years old and have legal capacity to enter into these Terms. By using the Service, you represent that you meet these requirements and that your use of the Service is lawful in the country where you are located.
If you use the Service on behalf of a company or other organisation, you represent that you have authority to bind that organisation to these Terms.
Registration is open to users who meet these Terms. You must provide accurate account information and keep it up to date. You are responsible for keeping your login credentials secure and for all activity under your account.
You must promptly notify us at support@pnl.plus if you suspect unauthorised access to your account, trading account connection, or broker credentials.
You may choose to sign in with Google. If you do, your use of Google Identity Services is subject to Google's own terms and privacy policies. PnL Plus receives your Google account email address, Google-verified email status, and basic profile information from the ID token to authenticate you.
We do not request access to your Google contacts, files, Google Drive, mailbox, calendar, or other Google account content.
When you connect a trading account, you authorise us to use the broker login, server, password, API key, or other credentials you provide only to read that trading account and provide the Service. You must have the right to connect the account and share its data with PnL Plus.
Where your broker offers a read-only or investor password, you should use it. Disconnecting an account deletes the stored broker credentials immediately.
You acknowledge that PnL Plus is designed for read-only access. The Service never places, modifies, or closes trades, never changes orders, and never moves funds. If a broker, API, or third-party system makes capabilities available beyond read-only access, you agree not to provide us credentials intended for trading or fund movement where a read-only alternative is available.
You are responsible for reviewing your broker's permissions, account settings, and terms before connecting an account.
PnL Plus calculates journals, statistics, analytics, charts, verification signals, and performance summaries from data read from your broker or brokerage. These outputs depend on third-party data, broker availability, account settings, instrument metadata, time zones, and calculations performed by the Service.
You should verify important information against your broker's official records. PnL Plus records and analytics are not official brokerage statements and should not be treated as a substitute for broker confirmations, tax records, or regulated financial reporting.
Public performance profiles are optional and off by default. If you enable a public profile, you are responsible for the information displayed and for ensuring that publication is lawful and not misleading.
Privacy layers may allow monetary amounts to be hidden, shown as percentages, or masked. Your private journal layer, including notes, tags, and playbooks, is never published in a public profile. You may unpublish or change a public profile at any time.
You retain ownership of trading data, notes, tags, playbooks, feedback, and other content that you submit to the Service, subject to any rights held by your broker or other third parties.
You grant us a worldwide, non-exclusive, royalty-free licence to host, store, process, reproduce, display, and transmit your content solely as needed to operate, secure, improve, and provide the Service, including displaying public-profile information that you choose to publish. This licence ends when the relevant content is deleted from our active systems, except for backup copies and lawful retention.
You agree not to:
The Service depends on third-party and user-directed systems, including brokers and brokerages, MetaTrader MT4/MT5 servers, Exante, IBKR, Google Identity Services if you use Google sign-in, email infrastructure, hosting providers, and domain providers.
Third-party services are governed by their own terms, privacy policies, availability, fees, and security practices. We are not responsible for third-party systems, outages, data errors, permission changes, account restrictions, or actions taken by your broker or other third parties.
Our Privacy Policy explains how we collect, use, share, retain, and protect personal data. By using the Service, you acknowledge that personal data will be processed as described in the Privacy Policy.
We may send service, security, verification, account, and administrative messages to the email address associated with your account. System emails may be sent from noreply@pnl.plus. You can contact support at support@pnl.plus.
You are responsible for keeping your email address current and for monitoring service messages that relate to account security or important changes.
PnL Plus is currently free and in beta. We do not currently process payments through the Service. We may introduce paid plans or paid features in the future. If we do, we will clearly present the applicable pricing and terms before charging you.
We may change free, beta, or paid features on a going-forward basis. We will not charge you for paid features unless you have been given the applicable payment terms and have agreed to them where required.
We aim to provide a reliable Service, but we do not guarantee that it will be uninterrupted, error-free, secure, or available at all times. The Service may be affected by maintenance, updates, outages, broker availability, network issues, security events, or factors outside our control.
We may add, change, suspend, limit, or discontinue features at any time. Where practical, we will try to provide reasonable notice of material changes that significantly affect active users.
The Service, including its software, source code, databases, design, user interface, text, graphics, logos, trademarks, trade names, and other materials, is owned by us or our licensors and is protected by intellectual property and other laws.
Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable right to access and use the Service for its intended purpose. No rights are granted except as expressly stated in these Terms.
If you send us ideas, suggestions, bug reports, or other feedback, you grant us the right to use that feedback without restriction or compensation to you. We may use feedback to improve the Service, but we are not required to implement it or treat it as confidential.
The Service does not provide investment, financial, trading, tax, legal, accounting, or regulatory advice. No analytics, ranking, chart, statistic, public profile, verification signal, or communication from PnL Plus is a recommendation to buy, sell, hold, copy, or otherwise trade any instrument or strategy.
Trading involves risk, and past performance does not guarantee future results. Broker data may be delayed, incomplete, unavailable, duplicated, misclassified, or incorrect. We do not warrant that data received from brokers or analytics produced by the Service will be complete, accurate, current, or suitable for your purposes.
To the fullest extent permitted by law, the Service is provided as is and as available, without warranties of any kind, whether express, implied, statutory, or otherwise. We disclaim all warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, availability, security, and reliability.
Nothing in these Terms excludes warranties or rights that cannot be excluded under applicable law, including mandatory consumer rights that may apply where you live.
To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, trading gains, trading losses, business, goodwill, data, credentials, use, or opportunity, even if we have been advised of the possibility of such damages.
To the fullest extent permitted by law, our total liability for all claims relating to the Service or these Terms will not exceed the greater of SGD 100 or the amount you paid us for the Service in the 12 months before the event giving rise to the claim.
To the fullest extent permitted by law, you agree to indemnify and hold harmless LAYERONE SYSTEMS PTE. LTD., its officers, directors, employees, contractors, and service providers from claims, losses, liabilities, damages, costs, and expenses, including reasonable legal fees, arising from your use of the Service, your content or public profile, your connected trading accounts, your breach of these Terms, your violation of law, or your infringement of another person's rights.
You may stop using the Service and delete your account at any time. We may suspend, restrict, or terminate your access if we reasonably believe that you breached these Terms, created risk for the Service or other users, used the Service unlawfully or abusively, or if suspension is needed for security, legal, or operational reasons.
After termination, your right to use the Service ends. Sections that by their nature should survive, including intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute provisions, will continue to apply.
We will not be responsible for failure or delay caused by events beyond our reasonable control, including internet or hosting failures, broker or third-party outages, cyberattacks, acts of government, regulatory changes, natural events, labour disputes, war, terrorism, civil unrest, power failures, or other events that prevent or impair operation of the Service.
You may not assign or transfer these Terms or your account without our prior written consent. We may assign or transfer these Terms, the Service, or related rights and obligations as part of a merger, acquisition, reorganisation, sale of assets, change of control, or by operation of law.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable, where permitted by law. Our failure to enforce a provision is not a waiver of our right to do so later.
These Terms, together with the Privacy Policy and any additional terms presented for specific features, form the entire agreement between you and us regarding the Service.
These Terms are governed by the laws of Singapore, without regard to conflict-of-laws rules. Subject to any mandatory consumer rights or local laws that cannot be waived, the courts of Singapore will have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Service.
Before starting formal proceedings, you agree to contact us at support@pnl.plus and try to resolve the dispute informally. Nothing in this section limits either party's right to seek urgent injunctive or equitable relief where appropriate.
We may update these Terms from time to time. We will post the updated version on this page and update the Last updated date. For material changes, we will provide additional notice where appropriate.
If you continue to use the Service after updated Terms take effect, you accept the updated Terms. If you do not agree to the updated Terms, you must stop using the Service.
Questions about these Terms should be sent to support@pnl.plus or by post to LAYERONE SYSTEMS PTE. LTD., 10 Anson Road, #20-05, International Plaza, Singapore 079903.