Terms of Service

Please read these Terms of Service carefully. By creating an account or using Stockonomy, you agree to be bound by them. If you do not agree, do not create an account and do not use the Service.

1. Who we are; acceptance

"Stockonomy," "we," "us," and "our" refer to the operator of the Stockonomy website and application (the "Service"). "You" refers to the person or entity accessing the Service. These Terms of Service (the "Terms") form a legally binding agreement between you and us. By clicking to accept, creating an account, or otherwise accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements and that all information you provide is accurate.

3. What the Service is

Stockonomy is an informational and educational research tool. It retrieves publicly available filings from the U.S. Securities and Exchange Commission (SEC) EDGAR system and applies automated calculations and artificial-intelligence ("AI") models to summarize, score, and surface possible signals in that data. Outputs may include numeric ratings, signals (such as "Buy," "Hold," or "Sell"), forensic scores, alerts, and written commentary. These are generated by software and AI for general informational purposes only.

4. NOT INVESTMENT ADVICE

Stockonomy is not a registered investment adviser, broker-dealer, financial planner, or tax or legal adviser, and provides no personalized financial, investment, legal, accounting, or tax advice. Nothing on the Service is, or should be construed as, a recommendation, solicitation, or offer to buy, sell, or hold any security or to engage in any investment strategy.

Any ratings, scores, signals, or commentary are impersonal, automated outputs that do not account for your individual circumstances, objectives, or risk tolerance. No fiduciary, advisory, or other special relationship is created by your use of the Service. You should not make any investment decision in reliance on the Service. Always do your own research and consult a licensed financial professional before making any investment decision.

5. No warranties — provided "AS IS"

The Service is provided on an "AS IS" and "AS AVAILABLE" basis, with all faults and without warranties of any kind, whether express, implied, or statutory. To the maximum extent permitted by law, we disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Service, or any data, score, AI output, or other content, is accurate, complete, current, reliable, timely, or error-free. Source data may be delayed, incomplete, or inaccurate, and AI systems can produce incorrect, misleading, or fabricated output. Past performance and historical signals do not guarantee future results. You acknowledge that any reliance on the Service is at your own risk.

6. Assumption of risk; release

You understand that investing involves substantial risk, including the possible loss of your entire investment. You are solely responsible for your own investment, financial, and trading decisions. You knowingly and voluntarily assume all risks arising from your use of the Service and any decisions you make based on it.

To the fullest extent permitted by law, you hereby release, waive, and forever discharge us and our owners, operators, officers, employees, contractors, and agents (the "Released Parties") from any and all claims, demands, losses, liabilities, and causes of action of any kind arising out of or relating to your use of the Service or any investment or financial decision you make, whether or not based on information obtained from the Service.

7. Limitation of liability

To the maximum extent permitted by applicable law, in no event will the Released Parties be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or investment or trading losses, arising out of or relating to the Service or these Terms, whether based on contract, tort (including negligence), strict liability, or any other theory, even if advised of the possibility of such damages.

In all cases, the total aggregate liability of the Released Parties for any and all claims arising out of or relating to the Service or these Terms will not exceed the greater of (a) the total amounts you paid to us, if any, in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US $100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you; in such cases our liability is limited to the smallest amount permitted by law.

8. Indemnification

You agree to defend, indemnify, and hold harmless the Released Parties from and against any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms or any law; (c) your investment, financial, or trading decisions; or (d) your violation of any rights of a third party.

9. Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate information and to notify us promptly of any unauthorized use. We may suspend or terminate accounts at our discretion.

10. Subscriptions and payments

The Service is currently offered free of charge. If we introduce paid features or subscriptions in the future, those paid plans will be billed in advance on a recurring basis through our third-party payment processor until cancelled; you will be able to cancel at any time, effective at the end of the then-current billing period. Except where required by law, fees are non-refundable. We may change pricing on a prospective basis with notice.

11. Acceptable use

You agree not to misuse the Service, including by: scraping or excessively automating requests; attempting to disrupt or reverse-engineer the Service; reselling or redistributing outputs as a competing service; or using the Service for any unlawful purpose. The SEC EDGAR data accessed by the Service is subject to the SEC's own access policies.

12. Intellectual property

The Service, including its software, design, and original content, is owned by us and protected by applicable laws. Underlying SEC filings are public records. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial research, subject to these Terms.

13. Third-party data and services

The Service relies on third-party sources and providers, including SEC EDGAR, market-data feeds, AI model providers, and payment and infrastructure vendors. We are not responsible for the accuracy, availability, or conduct of any third party.

14. Termination

You may stop using the Service at any time. We may suspend or terminate your access at any time, with or without cause or notice. Sections relating to disclaimers, assumption of risk, release, limitation of liability, indemnification, and governing law survive termination.

15. Changes to these Terms

We may update these Terms from time to time. Material changes will be reflected by updating the "Last updated" date above and, where appropriate, by notice. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

16. Governing law and disputes

These Terms are governed by the laws of the State of Texas, United States, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Service will be resolved through final and binding individual arbitration, and you and we waive the right to a jury trial and to participate in any class or representative action, to the maximum extent permitted by law. Notwithstanding the foregoing, either party may bring an individual claim in small-claims court.

17. Miscellaneous

If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect, and the unenforceable provision will be enforced to the maximum extent permitted by law. These Terms constitute the entire agreement between you and us regarding the Service. Our failure to enforce any right is not a waiver of that right.

18. Contact

Questions about these Terms can be sent to sealers.firm_4k@icloud.com.