Terms of Use

1. Service Description

Smart Stock Insights provides AI-powered stock analysis and investment information through:

• Web Platform: Online stock analysis tools and reports
• Social Media Integration: WhatsApp, LINE, KakaoTalk, and Band communications
• AI Analysis: Automated stock predictions and market insights
• Educational Content: Investment guides and market analysis

2. Eligibility and Account Registration

2.1 User Requirements

• Must be at least 18 years old
• Must have legal capacity to enter into contracts
• Must comply with applicable laws in your jurisdiction
• Must not be restricted from using financial services

2.2 Account Responsibilities

• Provide accurate and complete information
• Maintain confidentiality of account credentials
• Notify us immediately of any unauthorized access
• Use the service for personal, non-commercial purposes only

3. Social Media Platform Usage

3.1 Supported Platforms

Platform	Service Type	Data Collection	Terms Governed By
WhatsApp	Direct messaging, report delivery	Phone number, message content	Meta Terms + Our Terms
LINE	Customer support, notifications	User ID, conversation history	LINE Terms + Our Terms
KakaoTalk	Analysis delivery, support	Kakao ID, profile data	Kakao Terms + Our Terms
Band	Group discussions, updates	Band ID, participation data	Naver Terms + Our Terms

3.2 Platform-Specific Terms

• Message Limits: We may limit the frequency of automated messages
• Content Restrictions: No spam, offensive content, or market manipulation
• Platform Compliance: Must follow each platform's community guidelines
• Service Availability: Subject to platform uptime and policies

4. Investment Disclaimers and Limitations

5. User Responsibilities and Prohibited Uses

5.1 Permitted Uses

• Personal research and educational purposes
• Analysis of publicly traded securities
• Learning about market trends and patterns
• Making informed investment decisions

5.2 Prohibited Activities

• Market Manipulation: Using our service to manipulate stock prices
• Resale: Redistributing our analysis without permission
• Automated Access: Using bots or scraping tools
• False Information: Providing incorrect or misleading data
• Illegal Activities: Any use that violates applicable laws
• Platform Abuse: Spamming or harassing other users

6. Intellectual Property Rights

• Our Content: All AI models, algorithms, and analysis remain our property
• User License: Limited, non-exclusive right to use for personal purposes
• Restrictions: No copying, modification, or commercial use without permission
• Trademarks: "Smart Stock Insights" and related marks are our trademarks

7. Data Usage and Privacy Rights

• Data Collection: As described in our Privacy Policy
• Analytics: We may use aggregated data to improve services
• Third Parties: Limited sharing with service providers only
• User Rights: Access, correction, and deletion rights available

8. Service Availability and Modifications

8.1 Service Levels

• We aim for 99.5% uptime but cannot guarantee continuous availability
• Maintenance windows may temporarily interrupt service
• Third-party platform outages may affect social media features
• Real-time data depends on market data provider availability

8.2 Service Changes

• We may modify features, pricing, or terms with 30 days notice
• Critical security updates may be implemented immediately
• Discontinued features will have 90 days transition period

9. Payment Terms and Refunds

9.1 Subscription Services

• Billing: Monthly or annual subscription options
• Auto-Renewal: Subscriptions renew automatically unless cancelled
• Price Changes: 30 days notice for subscription price increases
• Taxes: You are responsible for applicable taxes

9.2 Refund Policy

• 7-day money-back guarantee for new subscribers
• Pro-rated refunds for service issues lasting over 48 hours
• No refunds for violations of these terms
• Refund requests must be submitted within 30 days

10. Limitation of Liability

11. Indemnification

You agree to indemnify and hold us harmless from claims arising from:

• Your use of our service in violation of these terms
• Your investment decisions based on our analysis
• Your violation of third-party rights or applicable laws
• Unauthorized use of your account

12. Dispute Resolution

12.1 Governing Law

• US Users: Governed by New York State law
• EU Users: Local consumer protection laws apply
• Asia-Pacific: Singapore law for business disputes

12.2 Dispute Process

• Step 1: Direct negotiation (30 days)
• Step 2: Mediation through neutral third party
• Step 3: Binding arbitration or local court jurisdiction

13. Termination

13.1 User Termination

• You may cancel your account at any time
• Cancellation takes effect at end of current billing period
• Data deletion occurs 30 days after cancellation

13.2 Our Termination Rights

• Immediate termination for terms violations
• 30 days notice for service discontinuation
• Account suspension for payment issues

14. Contact Information

15. Miscellaneous

• Severability: Invalid provisions don't affect remaining terms
• Entire Agreement: These terms supersede all previous agreements
• Assignment: We may assign our rights; you may not assign yours
• Waiver: Our failure to enforce doesn't waive future enforcement