Terms of Use

Welcome to Smart Stock Insights. These Terms of Use ("Terms") govern your access to and use of our website, services, and AI-powered stock analysis tools. By accessing or using our service, you agree to be bound by these Terms and our Privacy Policy.

We are committed to protecting your privacy and handling personal data in accordance with applicable legal requirements. Our company maintains strict policies for data protection and information security to ensure your information is handled responsibly.

Please read these Terms carefully before using our service. If you do not agree with any part of these Terms, you should not use our service.

Service Description: Smart Stock Insights provides an AI-powered stock analysis platform that processes market data and generates informational reports based on stock symbols or company names entered by users. Our service utilizes advanced algorithms to analyze publicly available market information and present insights in an accessible format.

Information Nature: All information, analysis, and insights provided through our platform serve as reference material for educational purposes and general market commentary. The content is based on historical data, market trends, and algorithmic analysis of publicly available information.

Accuracy Disclaimer: While we strive for accuracy and employ sophisticated analytical methods, we do not guarantee the completeness, accuracy, timeliness, or usefulness of any information provided. Market conditions change rapidly, and past performance does not predict future results.

By using Smart Stock Insights, you acknowledge and agree to the following responsibilities:

• Independent Decision Making: You are solely responsible for all investment and financial decisions. You must conduct your own research and analysis before making any investment decisions.
• Professional Consultation: You agree to consult with qualified financial advisors, investment professionals, or other appropriate experts before making significant financial decisions.
• Risk Understanding: You understand that all investments carry risk, including the potential loss of principal, and that market conditions can change rapidly.
• Appropriate Use: You will use our service only for lawful purposes and in accordance with these Terms. You will not use our service for any illegal, harmful, or unauthorized activities.
• Account Security: You are responsible for maintaining the security of any account information and for all activities that occur under your account.
• Accurate Information: You will provide accurate and complete information when using our service and will promptly update any information that becomes inaccurate.

Current Service: The basic functions of Smart Stock Insights are currently available free of charge. This includes access to our AI analysis tool and basic market insights.

Future Services: We may introduce premium features or paid services in the future. If we do so, we will:

• Provide clear pricing information and service descriptions
• Present transparent contract terms and conditions
• Offer clear payment methods and billing procedures
• Establish fair cancellation and refund policies
• Provide advance notice of any changes to pricing or service terms

Service Modifications: We reserve the right to modify, suspend, or discontinue any aspect of our service at any time, with or without notice, though we will strive to provide reasonable advance notice when possible.

You agree not to engage in any of the following prohibited activities:

• Unauthorized Access: Attempting to gain unauthorized access to our systems, servers, or networks
• Content Misuse: Copying, reproducing, distributing, or creating derivative works from our content without permission
• System Interference: Interfering with or disrupting the operation of our service or servers
• Automated Access: Using bots, scrapers, or other automated tools to access our service without permission
• False Information: Providing false, misleading, or inaccurate information
• Rights Infringement: Violating the intellectual property rights or other rights of third parties
• Illegal Activities: Using our service for any illegal purposes or activities that violate applicable laws
• Harmful Conduct: Engaging in conduct that is harmful, threatening, abusive, or harassing to other users or our staff
• Commercial Misuse: Using our service for unauthorized commercial purposes or reselling our services

Our Content: All content, features, and functionality of Smart Stock Insights, including but not limited to text, graphics, logos, analysis algorithms, and software, are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws.

Limited License: We grant you a limited, non-exclusive, non-transferable license to access and use our service for personal, non-commercial purposes in accordance with these Terms.

User Content: You retain ownership of any content you provide to us, but you grant us a license to use such content as necessary to provide our services.

Service Disclaimer: Our service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

No Liability for Damages: We will not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Investment losses or financial damages
• Loss of profits or business opportunities
• Data loss or corruption
• Service interruptions or delays
• Third-party actions or content

Maximum Liability: In no event shall our total liability to you exceed the amount you have paid us for our services in the twelve months preceding the claim.

Force Majeure: We are not responsible for delays or failures in performance resulting from acts beyond our reasonable control, including but not limited to natural disasters, war, terrorism, strikes, or government actions.

You agree to indemnify, defend, and hold harmless Smart Stock Insights, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or relating to:

• Your use of our service
• Your violation of these Terms
• Your violation of any rights of third parties
• Any content you provide to us

Governing Law: These Terms are governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Dispute Resolution: Any disputes arising out of or relating to these Terms or our service will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

Class Action Waiver: You agree that any arbitration or legal proceeding will be conducted on an individual basis and not as part of a class action or collective proceeding.

We may update these Terms from time to time to reflect changes in our service, legal requirements, or business practices. When we make changes, we will:

• Post the updated Terms on our website
• Update the effective date
• Provide notice of significant changes through our website or other communications
• Allow a reasonable period for you to review the changes

Your continued use of our service after changes take effect constitutes acceptance of the updated Terms.