Terms of Service & Legal Disclaimers
Critical compliance summary
Please read these Terms of Service carefully before using Stock Insight. All analysis is generated entirely by artificial intelligence, is provided for educational and informational purposes only, and is not financial advice. The Operator's total liability is limited to the greater of the amounts paid by you in the preceding 12 months or US$100, subject to rights that cannot lawfully be excluded.
핵심 준수 사항 요약
Stock Insight를 이용하기 전에 본 이용약관을 주의 깊게 읽어주시기 바랍니다. 모든 분석은 인공지능(AI)이 100% 자동 생성한 것으로, 교육 및 정보 제공 목적으로만 제공되며 금융 자문이 아닙니다. 운영자의 총 배상 책임은 직전 12개월 동안 귀하가 지불한 금액과 미화 100달러(US$100) 중 더 큰 금액으로 제한되며, 법률상 배제할 수 없는 권리는 그대로 보장됩니다.
合规要点摘要
在使用 Stock Insight 之前，请仔细阅读本服务条款。所有分析均由人工智能（AI）完全自动生成，仅供教育和参考之用，不构成任何金融建议。运营者的全部赔偿责任以您在过去 12 个月内支付的费用总额或 100 美元（US$100）中较高者为限，法律规定不可排除的权利不受影响。
重要事項の要約
Stock Insight をご利用になる前に、本利用規約をよくお読みください。すべての分析は AI によって完全に自動生成されたものであり、教育および情報提供のみを目的とし、金融アドバイスではありません。運営者の賠償責任の総額は、過去12か月間にお支払いいただいた金額または100米ドル（US$100）のいずれか高い方を上限とします。法律上排除できない権利は保障されます。
Resumen de cumplimiento esencial
Lea atentamente estos Términos del Servicio antes de utilizar Stock Insight. Todos los análisis son generados íntegramente por inteligencia artificial, se ofrecen únicamente con fines educativos e informativos y no constituyen asesoramiento financiero. La responsabilidad total del Operador se limita al mayor de los importes pagados por usted en los últimos 12 meses o 100 USD, sin perjuicio de los derechos que no puedan excluirse legalmente.
Resumo essencial de conformidade
Leia atentamente estes Termos de Serviço antes de utilizar o Stock Insight. Todas as análises são geradas integralmente por inteligência artificial, destinam-se apenas a fins educacionais e informativos e não constituem aconselhamento financeiro. A responsabilidade total do Operador limita-se ao maior valor entre as quantias pagas por você nos últimos 12 meses ou US$ 100, ressalvados os direitos que não possam ser legalmente excluídos.
Zusammenfassung der wichtigsten Hinweise
Bitte lesen Sie diese Nutzungsbedingungen sorgfältig, bevor Sie Stock Insight verwenden. Alle Analysen werden vollständig durch KI erstellt, dienen ausschließlich Bildungs- und Informationszwecken und stellen keine Finanzberatung dar. Die Gesamthaftung des Betreibers ist auf den höheren Betrag aus den von Ihnen in den letzten 12 Monaten gezahlten Entgelten oder 100 US-Dollar begrenzt; gesetzlich nicht ausschließbare Rechte bleiben unberührt.
1. Parties, Acceptance & Eligibility
These Terms of Service and Legal Disclaimers (the "Terms") are an agreement between you and the operator of Stock Insight (the "Operator"), a sole trader based in Australia. "Service" means the Stock Insight website, its analysis engine, and related interfaces. "Reports" means the analytical dashboards, grades, narratives, and other outputs the Service generates.
You accept these Terms by ticking the consent box, creating or signing in to an account, or requesting an analysis. If you do not agree, do not use the Service.
Eligibility: the Service is available only to persons aged 18 or over. By using the Service you confirm that you meet this requirement.
Report viewers: where a Report is made available to a person who has not accepted these Terms (for example, a cached Report served to another user's identical request), access to that Report is conditioned on, and limited by, the disclaimers, acceptable-use restrictions, warranty disclaimers, and liability limitations set out in Sections 2–6 and 9–12 of these Terms.
2. 100% AI-Generated Content & Absence of Human Advice
All analytical outputs, metrics, grades, indicators, and ratings (including the Investment Grade Pyramid, Competitive Moat ratings, and SWOT grids) presented by the Stock Insight Agent Suite are generated entirely programmatically by automated artificial intelligence algorithms, quant models, and Large Language Models (LLMs).
There is no human expert involvement, review, verification, or professional oversight.
None of the reports or information have been compiled, checked, or validated by a certified financial analyst, licensed broker-dealer, registered investment adviser, or any qualified financial professional. System outputs represent automated qualitative and quantitative syntheses of public disclosures and historical pricing data, which are subject to mechanical errors, algorithmic errors, or data inaccuracies.
Generative-AI accuracy notice: generative AI systems can produce output that is incomplete, outdated, or factually wrong (sometimes called "hallucinations"). Any figure, rating, or narrative statement in a Report may contain such errors and should be independently verified against primary sources (official filings, exchange data) before being relied on for any purpose.
3. Factual Informational Publisher & Licensing Exemptions
The Operator acts solely as an impersonal informational publisher. The Service and any generated Reports are entirely impersonal, disinterested, and are not customized, tailored, or adjusted to suit any specific user's investment goals, financial context, risk profiles, or individual objectives.
- Australia (ASIC): Pursuant to ASIC Regulatory Guide 244 (RG 244), the website provides strictly objective, formula-driven factual information. It does not provide personal financial advice and operates without an Australian Financial Services Licence (AFSL) under the Corporations Act 2001 (Cth).
- United States (SEC/FINRA): To preserve the Publisher's Exclusion under the Investment Advisers Act of 1940 (consistent with Lowe v. SEC, 1985), all stock screens and diagnostics are published generally and regularly. The Operator does not take direct positions in covered securities for the purpose of benefiting from the publication of Reports, has no undisclosed material financial interest in any covered company, and conducts no broker-dealer operations. Any incidental exposure through broad-market diversified funds does not influence the content of any Report.
- South Korea (FSC/FSS): This platform is a non-advisory quantitative simulation. It is not registered as an investment advisory or discretionary investment management service under the Financial Investment Services and Capital Markets Act (FSCMA). No direct "Buy/Sell" (매수/매도) instructions are provided.
4. ASIC General Advice Warning (Australia, Regulatory Guide 244)
This warning is mandatory for all Australian users pursuant to ASIC Regulatory Guide 244.
ASIC General Advice Warning
This information does not take into account your personal objectives, financial situation or needs. You should consider whether the information is appropriate to your situation before making any financial or investment decision.
The content provided on this platform is factual, formula-driven, and entirely impersonal. It is provided under the factual information exemption and does not constitute "financial product advice" under the Corporations Act 2001 (Cth). The operator does not hold an Australian Financial Services Licence (AFSL) and is not required to hold one for the provision of purely factual information consistent with ASIC RG 244.
5. U.S. Informational Publisher Notice (SEC, Investment Advisers Act of 1940)
This material is provided for general informational use only and does not constitute investment advice as defined under the Investment Advisers Act of 1940 (consistent with Lowe v. SEC, 472 U.S. 181, 1985). To preserve the Publisher's Exclusion, all screens, diagnostics, and outputs are published generally, regularly, and impersonally. The Operator holds no direct positions taken to benefit from the publication of any Report, has no undisclosed material financial interest in any companies mentioned, and conducts no broker-dealer operations.
These materials have not been reviewed or approved by the U.S. Securities and Exchange Commission, FINRA, or any other regulatory body. They are for general educational and informational purposes only.
6. Market Data Delays & Third-Party Providers
Market quotes, price charts, volume indicators, and financial statements processed by this platform are sourced from commercial data providers — principally Financial Modeling Prep (FMP) — under their applicable licence terms, and corporate logo assets are served by logo.dev.
Market data may be delayed by 15 minutes or more and must not be treated as real-time.
Data is provided "as is" and "as available" strictly for informational and educational purposes. The Operator does not guarantee the timeliness, sequencing, accuracy, or completeness of any market data. This platform must not be utilized for live active trading, order placement, or transaction timing.
These Terms do not create any rights enforceable by you against FMP, logo.dev, or any other third-party data provider, and no data provider is a party to these Terms.
7. Accounts & Report Availability
You are responsible for the security of your sign-in credentials and for activity occurring under your account. The Operator may suspend or terminate an account, with notice where practicable, if these Terms are breached or if the law requires it.
Shared cache: to keep the Service fast and affordable, analyses are cached for 24 hours. If another user requests the same ticker within that window, the identical cached Report may be served to them. Reports analyse publicly listed companies using public data and contain no personal information about the requesting user.
Availability and retention: Reports are made available for a limited period as described on the Service and may be regenerated, superseded, or removed. Access to Reports ends when an account is closed; users should export any Reports they wish to keep before closing an account.
8. Intellectual Property & Licence
The Service — including its software, prompts, design system, templates, and branding — is owned by the Operator or its licensors. Subject to these Terms, the Operator grants you a personal, non-commercial, non-transferable, revocable licence to view and retain copies of Reports generated for you.
You must not resell, republish, or systematically redistribute Reports or substantial portions of them, and you must not present Report content to third parties as professional or personalised financial advice.
9. Acceptable Use
You must not:
- scrape, crawl, or bulk-harvest the Service or Reports, or access the Service by automated means except through interfaces the Operator provides for that purpose;
- circumvent access controls, authentication, rate limits, or the caching and refresh mechanics of the Service;
- reverse engineer, decompile, or attempt to extract the prompts, models, or source code of the Service except where the law permits;
- use the Service in violation of applicable law, or to provide regulated financial advice to others.
10. Disclaimer of Warranties
To the maximum extent permitted by applicable law, the Service and all Reports are provided "as is" and "as available", and the Operator disclaims all implied warranties and conditions, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. The Operator does not warrant that the Service will be uninterrupted, error-free, or secure, or that any Report will be accurate, complete, or current.
Non-excludable rights (savings clause): Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy you may have under applicable law — including the Australian Consumer Law — that cannot be lawfully excluded, restricted, or modified. Where such a guarantee or right applies and the Operator is permitted to limit (rather than exclude) its liability for failing to comply, that liability is limited, at the Operator's option and to the maximum extent the law allows, to re-supplying the relevant informational services or paying the cost of having them re-supplied.
11. Limitation of Liability
PLEASE READ THIS SECTION CAREFULLY. IT LIMITS YOUR LEGAL RECOURSE.
To the maximum extent permitted by applicable law, the Operator's total aggregate liability for any and all claims, damages, losses, costs, or expenses arising out of or relating to the Service, the Reports, or these Terms — whether in contract, tort (including negligence), strict liability, or otherwise — is limited to the greater of (a) the total amounts paid by you to the Operator for the Service in the twelve (12) months immediately preceding the event giving rise to the claim, and (b) one hundred U.S. dollars (US$100).
To the maximum extent permitted by applicable law, the Operator is not liable for any special, indirect, incidental, consequential, exemplary, or punitive damages — including, but not limited to, investment losses, lost profits, trading capital depletion, data loss, or emotional distress — even if advised of the possibility of such damages.
Non-excludable rights: this Section applies subject to the savings clause in Section 10. Nothing in this Section limits liability that cannot lawfully be limited, including liability arising from the Operator's fraud or wilful misconduct.
12. User Responsibility, Risk Acceptance & Indemnity
You acknowledge and agree that investing in securities is inherently risky and can lead to complete loss of capital. Past performance of any company, backtest, or algorithmic screen is no guarantee or predictor of future investment outcomes. You are solely and entirely responsible for your own investment decisions.
To the maximum extent permitted by applicable law, you agree to indemnify the Operator, its developers, and affiliates against third-party claims, liabilities, and reasonable costs (including reasonable legal fees) to the extent arising out of: (a) your breach of these Terms; (b) your violation of applicable law; or (c) your misuse of the Service or Reports, including republishing Report content or presenting it to others as professional or personalised financial advice.
This indemnity does not apply to the extent a claim arises from the Operator's own fraud, gross negligence, or wilful misconduct, or from rights that cannot be lawfully excluded. The Operator will conduct the defence of any indemnified claim reasonably and will not settle a claim in a way that imposes obligations on you without your consent (not to be unreasonably withheld).
13. Dispute Resolution & Governing Law
Talk first: before commencing proceedings (other than for urgent injunctive relief), a party must give the other written notice describing the dispute, and both parties must attempt in good faith to resolve it for at least thirty (30) days.
Governing law and venue: these Terms are governed by the laws of the State of New South Wales and the Commonwealth of Australia. The parties submit to the jurisdiction of the courts of that State and of the Federal Court of Australia. This clause does not limit any non-excludable right you may have as a consumer to bring proceedings in the courts of your place of residence or under the mandatory consumer-protection laws of that place.
Claims notice: to the extent permitted by applicable law, notice of a claim must be given within twelve (12) months of the date the claimant first became aware (or reasonably should have become aware) of the facts giving rise to it.
14. Changes to the Service & These Terms
The Operator may modify, suspend, or discontinue features of the Service. The Operator may update these Terms from time to time; updates take effect when posted on this page with a revised "Last updated" date, and material changes will be announced via the Service or by email where reasonably practicable.
Continued use of the Service after an update takes effect constitutes acceptance of the updated Terms. If you do not agree to an update, you may stop using the Service; where you have prepaid for paid features, you will receive a pro-rata refund of unused prepaid fees affected by a material adverse change.
15. Privacy & Data
To operate accounts and the Service, the Operator processes: the email address and sign-in identity you authenticate with, basic usage and log data, a session cookie used for authentication, and a theme preference stored locally in your browser. Reports analyse publicly listed companies using public data and do not contain personal information about you; the Service does not collect financial-profile data such as income, net worth, or risk tolerance.
A standalone Privacy Policy covering access, correction, deletion, and data-handling practices in detail will be published on the Service. Until then, privacy enquiries may be directed to the Operator via the contact method published on the Service.
16. General Provisions
- Severability and read-down: if any provision of these Terms is found unenforceable, it shall be read down or severed only to the extent necessary, and the remaining provisions continue in full force.
- Entire agreement: these Terms are the entire agreement between you and the Operator regarding the Service and supersede prior understandings on that subject.
- Assignment: you may not assign these Terms. The Operator may assign them to a corporate entity that succeeds to the operation of the Service, with notice posted on the Service.
- No waiver: a failure to enforce a provision is not a waiver of it.
- Force majeure: the Operator is not liable for delay or failure caused by events beyond its reasonable control, including outages of third-party data providers, cloud infrastructure, or AI model providers.
- Survival: Sections 2–6, 8, and 10–16 survive termination of these Terms or closure of an account.
- No professional relationship: nothing in the Service creates an adviser–client, fiduciary, or professional relationship between you and the Operator.