Terms of Service
1. Acceptance of Terms
By accessing or using StackAlpha's services, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our service.
2. Description of Service
StackAlpha provides investment intelligence and research insights derived from analysis of podcasts, interviews, and other public sources. Our service includes:
- Investment research reports and analysis
- Market insights and commentary
- Tools for filtering and searching investment information
- Email alerts and notifications
3. User Accounts
To access certain features, you must create an account. You are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Providing accurate and current information
- Notifying us immediately of any unauthorized use
4. Subscription and Payment Terms
Free Trial
We may offer free trials for new users. Free trials automatically convert to paid subscriptions unless cancelled before the trial period ends.
Subscription Plans
- Free: Limited access to insights and summaries
- Pro Monthly: $49/month - Full access to all features
- Pro Annual: $470/year - Full access with 20% savings
Billing and Cancellation
- Subscriptions automatically renew unless cancelled
- You may cancel at any time through your account settings
- Refunds are not provided for partial subscription periods
- Price changes will be communicated 30 days in advance
5. Acceptable Use & Prohibited Activities
You agree not to:
- Legal violations: Use our service for any illegal, fraudulent, or unauthorized purpose
- Account sharing: Share your account credentials with others or create multiple accounts
- Content redistribution: Redistribute, resell, republish, or commercially exploit our content without written permission
- Automated access: Use bots, scrapers, crawlers, or other automated systems to access or download content
- Reverse engineering: Attempt to extract, copy, or reverse engineer our algorithms, AI models, or proprietary technology
- Security violations: Upload malicious code, attempt to breach our security, or interfere with service operation
- Market manipulation: Use our platform to manipulate security prices or engage in pump-and-dump schemes
- False information: Provide false, misleading, or fraudulent information during registration or use
- Harassment: Harass, abuse, or harm other users or our staff
- Circumvention: Attempt to bypass paywalls, subscription limits, or access controls
Enforcement: We reserve the right to suspend or terminate accounts that violate these terms without notice or refund.
6. Investment Disclaimer
IMPORTANT: StackAlpha provides educational and informational content only. We are not:
- A registered investment advisor
- Providing personalized financial advice
- Making investment recommendations
- Guaranteeing investment returns
All investment decisions are your own responsibility. Past performance does not guarantee future results. Always conduct your own research and consider consulting with a qualified financial advisor.
7. Intellectual Property
Our service and content are protected by intellectual property laws. You may:
- Access and use our content for personal, non-commercial purposes
- Download content for offline reading (Pro subscribers only)
You may not reproduce, distribute, or create derivative works without written permission.
8. Data and Privacy
We collect and process your data as described in our Privacy Policy. By using our service, you consent to our data practices.
9. Service Availability
We strive to provide reliable service but cannot guarantee 100% uptime. We reserve the right to:
- Modify or discontinue features with reasonable notice
- Perform maintenance that may temporarily affect availability
- Suspend access for violations of these terms
10. Limitation of Liability & Disclaimers
MAXIMUM LIABILITY CAP: Our total liability to you for any claims shall not exceed the amount you paid to us in the 12 months prior to the claim.
To the maximum extent permitted by law, StackAlpha shall not be liable for:
- Investment losses: Any financial losses, investment damages, or trading losses of any kind
- Consequential damages: Indirect, incidental, special, punitive, or consequential damages
- Business losses: Loss of profits, revenue, data, business opportunities, or goodwill
- Third-party content: Errors or omissions in content from external sources
- Service interruption: Damages from system downtime, maintenance, or technical failures
- Data loss: Loss or corruption of user data or account information
- Security breaches: Unauthorized access to accounts (unless due to our gross negligence)
- AI/Algorithm errors: Inaccuracies in AI-generated content or algorithmic recommendations
Service "As Is": Our service is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement.
11. Indemnification
You agree to indemnify and hold harmless StackAlpha from any claims, damages, or expenses arising from your use of our service or violation of these terms.
12. Termination
Either party may terminate this agreement at any time. Upon termination:
- Your access to paid features will cease
- We may delete your account and associated data
- Sections related to liability and intellectual property survive termination
13. Changes to Terms
We may update these terms from time to time. Material changes will be communicated via email or prominent notice on our website. Continued use after changes constitutes acceptance.
14. Governing Law
These terms are governed by the laws of the jurisdiction where StackAlpha operates, without regard to conflict of law principles.
15. Contact Information
For questions about these terms, please contact us at:
Email: legal@stackalpha.io
Website: stackalpha.io