Terms of Service

1. Acceptance of Terms

Welcome to TodayTrend® ("Service," "we," "our," or "us"). By accessing or using our stock intelligence platform, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Service.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and TodayTrend®.

2. Description of Service

TodayTrend® is a subscription-based stock market intelligence platform that provides:

• Daily personalized stock briefs powered by AI
• Real-time and historical stock market data
• Stock portfolio tracking and monitoring
• Email notifications and market insights
• Access to curated financial information and analysis

Service Limitations:

Our Service is provided for informational and educational purposes only. TodayTrend® does NOT:

• Provide investment advice or recommendations
• Act as a registered investment advisor or broker
• Guarantee investment returns or outcomes
• Offer personalized financial planning services

3. Account Registration and Eligibility

Account Creation:

To use TodayTrend®, you must:

• Be at least 18 years of age
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access

Account Responsibility:

You are responsible for:

• All activities that occur under your account
• Maintaining the confidentiality of your password
• Any consequences of unauthorized use of your account
• Ensuring your account information is current and accurate

Account Termination:

We reserve the right to suspend or terminate your account if:

• You violate these Terms of Service
• You provide false or misleading information
• Your account is used for fraudulent or illegal activities
• Payment for subscription services fails
• We cease operations or discontinue the Service

4. Subscription and Payment Terms

Subscription Plans:

TodayTrend® offers:

• Free Trial: 30-day trial period (one-time per user)
• Paid Subscription: $9.99/month recurring subscription
• Subscription provides full access to all platform features

Payment Processing:

• Payments are processed securely through Stripe
• You authorize recurring charges to your payment method
• Prices are in U.S. Dollars (USD)
• All fees are non-refundable except as required by law

Free Trial:

• New users receive a 30-day free trial
• Trial can only be used once per user
• Credit card required for trial activation
• Automatically converts to paid subscription unless canceled
• Cancel anytime during trial to avoid charges

Billing and Renewal:

• Subscriptions automatically renew monthly
• You will be charged on the same day each month
• We will notify you before charging your payment method
• Price changes will be communicated 30 days in advance
• Continued use after price change constitutes acceptance

Cancellation and Refunds:

• Cancel your subscription at any time through your account settings
• Access continues until the end of your current billing period
• No refunds for partial months or unused time
• No refunds for free trial conversions
• Exceptions may be made at our sole discretion

5. Acceptable Use Policy

Permitted Use:

You may use TodayTrend® for lawful purposes including:

• Personal stock market research and education
• Tracking your investment portfolio
• Receiving market insights and analysis
• Learning about financial markets

Prohibited Activities:

You may NOT:

• Use the Service for illegal activities or fraud
• Share your account credentials with others
• Attempt to circumvent subscription requirements
• Scrape, copy, or redistribute our content without permission
• Use automated tools to access the Service (bots, scrapers)
• Reverse engineer, decompile, or disassemble our platform
• Interfere with or disrupt Service functionality
• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit viruses, malware, or harmful code
• Impersonate others or misrepresent your affiliation
• Harass, abuse, or harm other users or our staff

6. Intellectual Property Rights

Our Content:

All content on TodayTrend®, including but not limited to:

• Text, graphics, logos, and images
• Software, code, and platform design
• Stock briefs, analysis, and insights
• Trademarks and branding

are the exclusive property of TodayTrend® and are protected by copyright, trademark, and other intellectual property laws.

Limited License:

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use the Service for personal use
• View and download content for personal reference
• Print materials for your own records

You may NOT:

• Reproduce, distribute, or publicly display our content
• Create derivative works based on our Service
• Use our content for commercial purposes
• Remove copyright or proprietary notices

7. Disclaimers and Limitations of Liability

Data Accuracy:

While we strive for accuracy:

• Market data may be delayed or contain errors
• AI-generated content may have inaccuracies
• We do not guarantee completeness or timeliness
• You should verify information before acting on it

Service Availability:

We provide the Service on an "AS IS" and "AS AVAILABLE" basis:

• No guarantee of uninterrupted or error-free service
• Maintenance and updates may cause temporary downtime
• We may suspend or discontinue features at any time
• No warranty of merchantability or fitness for a particular purpose

Limitation of Liability:

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We are not liable for any investment losses or damages
• Our total liability is limited to amounts you paid in the past 12 months
• We are not liable for indirect, incidental, or consequential damages
• This includes loss of profits, data, or business opportunities

8. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Key points:

• We collect and use data as described in our Privacy Policy
• We implement security measures to protect your information
• We do not sell your personal data
• You have rights to access, modify, and delete your data

9. Third-Party Services

Payment Processing:

• Stripe processes all payments securely
• Stripe's terms and privacy policy apply to payment data
• We do not store complete credit card information

Data Providers:

• Market data provided by Databento and other licensed sources
• Subject to third-party terms and conditions
• Data accuracy is provider-dependent

AI Services:

• Content generated using Google Gemini API
• AI-generated content may contain errors or biases
• You should verify AI-generated information

10. Modifications to Terms and Service

Terms Changes:

We reserve the right to modify these Terms at any time:

• Material changes will be notified via email
• Updated Terms will be posted on our platform
• Effective date will be updated
• Continued use after changes constitutes acceptance
• You may terminate if you disagree with changes

Service Changes:

We may:

• Add, modify, or remove features
• Change subscription pricing with 30 days notice
• Discontinue the Service with reasonable notice
• Update technology and infrastructure

11. Termination

Termination by You:

You may terminate your account at any time by:

• Canceling your subscription through account settings
• Contacting our support team
• Following account closure procedures

Termination by Us:

We may terminate or suspend your account immediately if:

• You violate these Terms of Service
• You engage in fraudulent or illegal activities
• Payment failures occur repeatedly
• Required by law or legal process
• We discontinue the Service

Effect of Termination:

Upon termination:

• Your access to the Service will cease
• You remain liable for any outstanding fees
• Certain provisions of these Terms survive termination
• We may delete your data after a retention period

12. Dispute Resolution

Governing Law:

These Terms are governed by the laws of the United States, without regard to conflict of law principles.

Arbitration Agreement:

Any disputes arising from these Terms or your use of the Service will be resolved through binding arbitration, except:

• You may bring claims in small claims court
• We may seek injunctive relief in court for IP violations

Class Action Waiver:

You agree to resolve disputes individually and waive the right to participate in class actions or representative proceedings.

Informal Resolution:

Before initiating arbitration, you agree to attempt informal resolution by contacting us at support@todaytrend.com

13. Contact Information

For questions, concerns, or support:

By using TodayTrend®, you acknowledge that you have read and understood these Terms, agree to be bound by these Terms, are legally able to enter into this agreement, understand this is not investment advice, and accept all risks associated with stock market investing.