Terms of Service

Please read these terms carefully before using Stocx AI services.

Last updated: December 15, 2024

Important Notice

Trading involves substantial risk of loss. Stocx AI provides educational tools and analysis but does not guarantee profits or prevent losses. Past performance does not indicate future results.

By using our services, you acknowledge that you understand these risks and agree to trade responsibly.

1. Acceptance of Terms

By accessing or using Stocx AI ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service, including our mobile applications, website, and related services.

We reserve the right to update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the new Terms.

2. Description of Service

What We Provide

  • AI-powered market analysis and trading insights
  • Real-time market data and alerts
  • Portfolio tracking and analytics tools
  • Educational content and trading resources

What We Don't Provide

  • Investment advice or financial planning services
  • Guaranteed returns or profit promises
  • Direct trading execution or brokerage services
  • Tax or legal advice

3. User Accounts and Responsibilities

Account Creation

  • You must be at least 18 years old to create an account
  • Provide accurate and complete information during registration
  • Maintain the security of your account credentials
  • Notify us immediately of any unauthorized access

Prohibited Uses

  • Using the Service for illegal activities
  • Attempting to reverse engineer or hack our systems
  • Sharing your account with others
  • Using automated systems to access our Service
  • Violating any applicable laws or regulations

4. Financial Disclaimers

Not Financial Advice

All information provided by Stocx AI is for educational and informational purposes only. Nothing on our platform constitutes financial, investment, trading, or other advice. You should consult with qualified professionals before making investment decisions.

Risk Acknowledgment

Trading and investing involve substantial risk of loss. You acknowledge that:

  • You may lose some or all of your invested capital
  • Past performance does not guarantee future results
  • Market conditions can change rapidly and unpredictably
  • AI predictions and analysis may be incorrect

Your Responsibility

You are solely responsible for your trading and investment decisions. We strongly recommend that you only trade with money you can afford to lose and seek independent financial advice if you have any doubts.

5. Intellectual Property

Our Rights

The Service and its original content, features, and functionality are owned by Stocx AI and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

Your Rights

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

Restrictions

  • You may not copy, modify, or distribute our content
  • You may not reverse engineer our algorithms or software
  • You may not use our trademarks without permission
  • You may not create derivative works based on our Service

6. Privacy and Data

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use our Service. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

Key Points: We use bank-level encryption, never sell your data, and give you full control over your information. Read our fullPrivacy Policyfor details.

7. Subscription and Payments

Subscription Plans

Stocx AI offers various subscription plans with different features and pricing. Current pricing is available in the app and on our website.

Billing

  • Subscriptions are billed in advance on a recurring basis
  • Payments are processed through secure third-party providers
  • You authorize us to charge your payment method automatically
  • Failed payments may result in service suspension

Cancellation and Refunds

  • You can cancel your subscription at any time
  • Cancellation takes effect at the end of the current billing period
  • No refunds for partial months or unused portions
  • Free trial cancellations must be made before the trial ends

8. Limitation of Liability

Important Legal Notice

This section limits our liability. Please read carefully as it affects your legal rights.

Service Availability

We strive to maintain high service availability but cannot guarantee uninterrupted access. The Service is provided "as is" without warranties of any kind.

Limitation of Damages

To the maximum extent permitted by law, Stocx AI shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to trading losses, lost profits, or data loss.

Maximum Liability

Our total liability to you for all claims arising from your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

9. Termination

Termination by You

You may terminate your account at any time by contacting our support team or using the account deletion feature in the app. Upon termination, your access to the Service will cease immediately.

Termination by Us

We may terminate or suspend your account immediately, without prior notice, if you breach these Terms or engage in activities that harm our Service or other users.

Effect of Termination

  • Your right to use the Service will cease immediately
  • We may delete your account and data after a reasonable period
  • Provisions that should survive termination will remain in effect

10. Governing Law and Disputes

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Delaware, United States, without regard to its conflict of law provisions.

Dispute Resolution

We encourage you to contact us first to resolve any disputes. If we cannot resolve a dispute through direct communication, you agree to resolve disputes through binding arbitration rather than in court.

Class Action Waiver

You agree that any arbitration or legal proceeding shall be limited to the dispute between you and Stocx AI individually. You waive any right to participate in class action lawsuits or class-wide arbitrations.

11. Contact Information

If you have any questions about these Terms of Service, please contact us:

Email: legal@stocx.ai

Phone: +1 (555) 123-4567

Address: 123 Trading Street, Financial District, NY 10004

These terms are effective as of December 15, 2024