Terms of Service

Minto is a trade-mirroring service. One operator-managed strategy makes trading decisions across stocks, options, and prediction markets, and Minto replicates those trades, scaled to your account size, into accounts that belong to you.

Minto is not a registered investment adviser, broker-dealer, or fiduciary, and nothing Minto publishes or executes is investment advice or a recommendation tailored to your situation. The strategy does not know your finances, goals, or risk tolerance. You alone decide whether mirroring this strategy is appropriate for you, and you should consult a qualified professional if you are unsure.

Minto is beta software offered to a small, invited group. It is provided as-is, without warranties of any kind, express or implied. You should expect defects: bugs, outages, delayed or missed trades, incorrect notifications, and interruptions of the mirroring service can all occur, and features may change or be withdrawn without notice.

To the maximum extent permitted by law, Minto's aggregate liability to you is limited to the subscription fees you paid in the three months before the event giving rise to the claim. Minto is never liable for trading losses, lost profits, or consequential damages.

Mirroring only works if Minto is the sole actor in the connected accounts. You agree to connect brokerage accounts and wallets that are dedicated to Minto: no manual trades, no other bots, and no withdrawals that bypass the app's flows. If you trade in a connected account yourself, reconciliation will detect the drift and pause mirroring for that account to protect you; repeated interference may lead to termination of the service.

For stock and options accounts you supply API keys that authorize trading but not withdrawals wherever the broker supports that separation. For prediction markets on Polymarket, the protocol requires a funded wallet's private key. By connecting Polymarket you place that key in Minto's custody: it is encrypted at rest with per-credential envelope encryption and used only to sign orders for your account, but you accept that Minto holds a key that controls those funds. Never hand Minto a wallet holding more than you allocate to the strategy. See the Risk Disclosure for details.

Trading is risky. The strategy takes leveraged and short-dated positions that can lose value quickly, and you can lose some or all of the capital in your connected accounts. Past performance of the operator's own accounts does not guarantee future results, and your results will differ from the operator's because of account size, rounding, fill timing, and fees. Do not subscribe with money you cannot afford to lose.

Minto is billed monthly through Braintree in tiers based on the total capital Minto manages for you: Starter (up to $10,000), Growth (up to $50,000), and Scale (unlimited). If your managed capital grows past your tier's ceiling you get a 14-day grace period to upgrade or reduce capital; after that, new positions pause while existing positions continue to be managed. You can change tiers or cancel at any time from the billing page; cancellation stops mirroring at the end of the paid period and open positions are wound down in an orderly way.

Minto is invite-only. You must be at least 18, legally able to trade the relevant instruments in your jurisdiction, and the sole owner of the accounts you connect. You are responsible for keeping your login secure and for all activity under your account.

You can cancel at any time. Minto may suspend or terminate the service for breach of these terms, suspected abuse, or wind-down of the beta, in which case mirroring stops and open positions are exited in an orderly way. Sections 1, 2, 5, and 9 survive termination.

These terms may change as the beta evolves. Material changes are announced in the app and take effect when you next accept them; continued mirroring after notice counts as acceptance for non-material changes. Questions go to the operator who invited you.