Terms & Conditions

1. Acceptance of Terms

By accessing or using WiseOwl AI ("Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, please do not use our Service.

2. Description of Service

WiseOwl AI provides AI-powered financial analysis, market data, and investment research tools. Our Service includes:

• Real-time and historical market data
• AI-generated stock analysis reports
• Financial metrics and ratios
• Market news and insights
• Portfolio tracking tools

3. User Accounts

3.1 Account Creation

To use certain features, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Promptly update any changes to your information
• Accept responsibility for all activities under your account

3.2 Account Security

You are responsible for maintaining the confidentiality of your account. Notify us immediately of any unauthorized use.

4. Subscription and Payments

4.1 Subscription Plans

We offer various subscription tiers with different features and limitations. Prices and features are subject to change with notice.

4.2 Billing

• Subscriptions are billed in advance on a recurring basis
• You authorize us to charge your payment method automatically
• All fees are non-refundable unless otherwise stated

4.3 Cancellation

You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period.

5. Acceptable Use Policy

You agree not to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Distribute malware or harmful code
• Attempt to gain unauthorized access to our systems
• Scrape or harvest data without permission
• Resell or redistribute our data without authorization
• Use the Service for illegal trading activities
• Manipulate or interfere with the Service

6. Intellectual Property

6.1 Our Property

All content, features, and functionality of the Service are owned by WiseOwl AI and are protected by copyright, trademark, and other intellectual property laws.

6.2 Your License

We grant you a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes.

6.3 User Content

By submitting content to our Service, you grant us a worldwide, royalty-free license to use, modify, and display such content in connection with the Service.

7. Disclaimers

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. We specifically disclaim:

• The accuracy, completeness, or timeliness of financial data
• Investment results from using our Service
• The suitability of information for your particular needs
• Uninterrupted or error-free service

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WISEOWL AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR INVESTMENT LOSSES.

Our total liability shall not exceed the amount paid by you for the Service in the twelve months preceding the claim.

9. Indemnification

You agree to indemnify and hold harmless WiseOwl AI from any claims, damages, losses, or expenses arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your investment decisions

10. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to our collection and use of your information as described in the Privacy Policy.

11. Modifications to Service and Terms

We reserve the right to modify or discontinue the Service at any time. We may also update these Terms from time to time. Continued use after changes constitutes acceptance of the modified Terms.

12. Termination

We may terminate or suspend your account at any time for violation of these Terms or for any other reason. Upon termination, your right to use the Service will immediately cease.

13. Governing Law and Disputes

These Terms are governed by the laws of the State of Delaware, United States. Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

14. General Provisions

14.1 Entire Agreement

These Terms constitute the entire agreement between you and WiseOwl AI regarding the Service.

14.2 Severability

If any provision is found unenforceable, the remaining provisions will continue in full force.

14.3 Waiver

Our failure to enforce any provision shall not constitute a waiver of that provision.