This draft is designed to read more like production SaaS terms than placeholder copy, but it should still be reviewed by a licensed attorney before production use.
These Terms of Service govern your access to and use of Stock.Agent, including our website, research tools, AI features, newsletters, portfolio features, alerts, watchlists, and related software, content, and services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms.
If you use the Service on behalf of a company, fund, adviser, or other legal entity, you represent that you have authority to bind that entity to these Terms, and "you" includes both you and that entity.
Stock.Agent is a software and information platform. It is not a broker-dealer, investment adviser, tax adviser, law firm, fiduciary, or financial planner. Nothing in the Service constitutes personalized investment advice, tax advice, legal advice, a recommendation to buy or sell any security, or a guarantee of future results.
Market data, AI-generated outputs, summaries, rankings, forecasts, alerts, and research content may be incomplete, delayed, inaccurate, or unsuitable for your particular objectives. You are solely responsible for your decisions, including whether to trade, hold, rebalance, subscribe, rely on, or disregard any output from the Service.
You must be legally able to enter into a binding agreement and comply with all applicable laws to use the Service. You agree to provide accurate, current, and complete registration and billing information and to keep that information updated.
You are responsible for maintaining the confidentiality of your credentials, controlling access to your devices and accounts, and promptly notifying us if you suspect unauthorized use, credential compromise, billing misuse, or security incidents affecting your account.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for your internal personal or business use in accordance with your plan and feature limits.
You may not: copy or resell the Service except as expressly authorized; reverse engineer or attempt to extract source code except where prohibited by law; scrape or harvest non-public data; bypass access controls, rate limits, or security mechanisms; interfere with system integrity; upload malicious code; use the Service to violate securities, privacy, consumer protection, sanctions, export, or other applicable laws; or use the Service to build a competing product from non-public features or outputs.
The Service may generate AI-assisted responses, reports, summaries, alerts, legal or compliance-style checklists, and other automated content. These outputs are generated probabilistically and may contain errors, omissions, or outdated information. You must independently review material outputs before relying on them in financial, legal, business, or operational contexts.
You remain responsible for prompts, uploaded content, settings, workflow actions, and how outputs are used or distributed. You may not represent AI output as independently verified analysis unless you have actually reviewed and validated it.
You retain ownership of content, prompts, portfolio data, documents, notes, and other materials you submit to the Service ("User Content"). You grant us and our subprocessors a worldwide, non-exclusive license to host, store, reproduce, process, transmit, and use User Content as necessary to operate, secure, improve, support, and provide the Service.
If you provide product feedback, feature requests, workflow suggestions, or redline ideas, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use them without restriction or compensation to you.
Paid plans, trials, promotional offers, credits, pricing tiers, and usage limits may be offered from time to time. Unless otherwise stated, subscriptions renew automatically at the end of each billing period until canceled. You authorize us and our payment processors to charge the payment method on file for recurring fees, taxes, and other amounts due.
You are responsible for canceling before renewal if you do not want the next billing cycle charged. Promotional offers and trial terms may be modified, limited, suspended, or withdrawn at any time to the extent permitted by law. If a promotion or free access was granted in error, we may revoke it.
Except where required by applicable law or expressly stated in writing, fees are non-refundable once charged. Canceling a subscription prevents future renewals but does not automatically entitle you to a refund for the current billing period.
If you delete your account or terminate paid access, certain data may remain in backups, logs, billing records, or security systems for a reasonable period as described in our Privacy Policy and internal retention practices.
The Service, including our software, design, workflows, models, prompts, compilations, trademarks, trade dress, datasets, graphics, interfaces, and proprietary non-user content, is owned by us or our licensors and protected by intellectual property and other laws.
These Terms do not transfer any ownership rights to you. Except for the limited access rights expressly granted, all rights are reserved by us and our licensors.
The Service may depend on third-party providers for market data, AI processing, payments, email delivery, infrastructure, authentication, analytics, storage, monitoring, and other functions. Third-party terms and policies may apply to portions of the Service.
We are not responsible for outages, delays, inaccuracies, service interruptions, model changes, billing failures, data gaps, or policy changes caused by third-party providers, although we may work in good faith to mitigate issues where commercially reasonable.
You agree to use the Service in compliance with all applicable laws, regulations, and contractual obligations, including those relating to securities, privacy, export controls, sanctions, anti-money laundering, anti-fraud, and consumer protection where applicable to your use case.
We may monitor, investigate, log, throttle, suspend, or block usage to protect the Service, users, data providers, or the public; to enforce these Terms; to respond to security issues; or to comply with law, legal process, or regulator requests.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, DATA ACCURACY, TITLE, SECURITY, QUIET ENJOYMENT, AVAILABILITY, OR ERROR-FREE OPERATION.
We do not warrant that the Service will be uninterrupted, secure, timely, profitable, suitable for your risk profile, legally sufficient for regulated use, or free from bugs, data errors, or model hallucinations.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, STOCK.AGENT AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, TRADING LOSSES, MISSED OPPORTUNITIES, OR BUSINESS INTERRUPTION ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM AROSE OR (B) USD $100.
You agree to defend, indemnify, and hold harmless Stock.Agent and its affiliates, officers, directors, employees, contractors, licensors, and service providers from and against claims, liabilities, damages, judgments, losses, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to your use of the Service, your User Content, your violation of these Terms, or your violation of law or the rights of any third party.
We may suspend, restrict, or terminate your access immediately if we believe you breached these Terms, created risk, failed to pay amounts due, misused the Service, threatened system integrity, or exposed us, users, or third parties to legal or security harm.
You may stop using the Service at any time. Sections that by their nature should survive termination, including those regarding payment obligations, intellectual property, disclaimers, limitations of liability, indemnification, dispute resolution, and miscellaneous terms, will survive.
These Terms are governed by the laws of the State of Tennessee, without regard to conflict of laws principles.
Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state or federal courts located in Tennessee, and you consent to personal jurisdiction and venue in those courts.
You consent to receive notices, disclosures, invoices, and other communications from us electronically, including by email, in-product messages, dashboard notices, or other reasonable methods. You are responsible for keeping your contact information current.
Legal notices to us should be sent to: newsletter@stockagent.online.
We may modify the Service, pricing, plan features, limits, policies, or these Terms from time to time. If we make a material change, we will provide notice through the Service, by email, or through another reasonable method before the updated Terms become effective unless immediate changes are required for security, legal, or abuse-prevention reasons.
Your continued use of the Service after the effective date of revised Terms constitutes acceptance of the updated Terms.
You may not assign or transfer these Terms or your access rights without our prior written consent. We may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets. If any provision is held unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce a provision is not a waiver.
These Terms, together with any applicable order forms, pricing pages, promotional terms, and incorporated policies such as the Privacy Policy, constitute the entire agreement between you and us regarding the Service unless a separate written agreement signed by both parties governs your use.