⚠ DRAFT — attorney review required before publishing, especially §3 (what this is NOT) and §8 (liability cap) — the two clauses that matter most for a product that outputs stock signals. Written in plain English on purpose; the attorney can formalize. Replace every [bracketed] item and set the date.

Terms of Service

Effective date: [DATE PUBLISHED]

1. Who we are

[PRODUCT NAME] ("we," "us") provides a subscription stock-research information service, operated by [COMPANY LLC, a Virginia limited liability company / Donovan Isaiah Corbin, sole proprietor — use whichever is true on the effective date]. Contact: [hello@yourdomain].

2. What the service is

We generate automated discounted-cash-flow valuations, factor scores, screens, backtests, and (optional) AI-written commentary from third-party financial data, and deliver them through our website and email. The service is information and education only.

3. What the service is NOT — read this section

Not investment, financial, legal, or tax advice. We are not a registered investment adviser or broker-dealer and do not act as one. Subscribing creates no advisory or fiduciary relationship.
Impersonal and general. Fair values, scores, "buy" labels, rankings, and backtests are model outputs of general application. They are not tailored to you, do not account for your finances or goals, and are not recommendations or solicitations to buy or sell any security.
No guarantee of accuracy. Data comes from third parties that contain errors and change without notice. Model outputs depend on assumptions that can be materially wrong.
Backtests are hypothetical. Past and backtested performance is not indicative of future results and has inherent limitations (including survivorship and look-ahead bias, which we disclose in the product).
You alone are responsible for your investment decisions and their outcomes. Verify independently and consider consulting a licensed professional.

4. Accounts and subscriptions

You must be at least 18 and provide accurate information; one subscription is for one person. Paid plans bill [monthly] via Stripe; prices are shown at checkout and may change with [30] days' notice. Cancel anytime, effective at the end of the current billing period. Refunds: [DEFINE — suggest 14-day full refund for first-time subscribers, none thereafter; decide before launch].

5. Acceptable use

Use the outputs for your own research. You may not resell, republish, scrape, or systematically redistribute our data or outputs, share login credentials, reverse engineer, or overload the service. We may suspend accounts that do.

6. Intellectual property

The compilation, analysis, formatting, and software are ours. Underlying facts and government filings are public — we claim no ownership of them, only of our value-added work.

7. Third-party services

We rely on providers including Stripe (payments), [email provider], our hosting provider, and market-data vendors (e.g., SEC EDGAR and [FMP]). Their outages and errors are outside our control; §8 applies, and vendor data is subject to vendor terms.

8. Disclaimer of warranties; limitation of liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THE SERVICE IS LIMITED TO THE FEES YOU PAID US IN THE [12] MONTHS BEFORE THE CLAIM, AND WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES, INCLUDING LOST PROFITS OR TRADING/INVESTMENT LOSSES. [Attorney: confirm enforceability in VA and add consumer-law carve-outs as required.]

9. Indemnification

You will hold us harmless from claims arising out of your use of the service or the outputs in violation of these terms, including any representations you make to third parties based on our outputs.

10. Changes; termination

We may update these terms with notice by email or site banner; continued use is acceptance. We may discontinue the service with [30] days' notice (pro-rated refunds for prepaid periods).

11. Governing law; disputes

Virginia law governs. Venue: the state or federal courts covering [Henrico County], Virginia. [Attorney: confirm venue and whether an arbitration clause is worth it at this scale.]

Contact: [hello@yourdomain].