Terms of Service

Last Updated: September 18, 2026

1. Acceptance of Terms

By accessing or using MarketCatalyst (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not access or use the Service.

2. Description of Service

MarketCatalyst provides market recaps, analyst-call summaries, data visualizations, and related financial commentary strictly for informational and educational purposes. We are not a registered investment advisor, broker-dealer, or financial planner. MarketCatalyst does not manage client assets, nor do we provide personalized investment advice, stock-picking, or trade-alert services. Trading stocks and options carries inherent risk, including the possible loss of principal. Please consider your own financial goals, time horizon, and risk tolerance, and consult a qualified financial professional before making any investment decisions.

3. User Accounts

• You must provide accurate, current information when creating an account.
• You are responsible for maintaining the confidentiality and security of your account credentials and for all activity that occurs under your account.
• You must be at least 18 years old, or the age of legal majority in your jurisdiction, to use the Service.
• Accounts are for individual use only; you may not share your account or credentials with any other person.
• You must notify us promptly of any unauthorized use of your account.

4. Acceptable Use

You agree that you will not:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation;
• Reverse engineer, decompile, or attempt to derive the source code, algorithms, or underlying methodology of the Service;
• Scrape, crawl, harvest, or systematically download or extract content or data from the Service by automated means.
• Share, sell, rent, or otherwise transfer your paid account credentials or access to any other person or entity;
• Use the Service to transmit spam, or to harass, abuse, defame, or harm any person or entity;
• Attempt to probe, scan, or test the vulnerability of the Service, or attempt to gain unauthorized access to our systems, accounts, or networks.

5. Intellectual Property

• MarketCatalyst LLC owns all right, title, and interest in and to the Service, including its software, articles, analysis, design, and other proprietary content (collectively, "Our Content"), except for third-party and user-submitted content as described below.
• Certain market, pricing, and financial data displayed on the Service may be licensed from third-party data providers and remains subject to those providers' rights and restrictions.
• You may not copy, reproduce, distribute, publicly display, or create derivative works from Our Content without our prior written permission, except for personal, non-commercial use or as otherwise expressly permitted by these Terms.
• You retain ownership of any content you submit to the Service (such as comments or feedback), but you grant MarketCatalyst a non-exclusive, worldwide, royalty-free license to use, display, and distribute that content in connection with operating and promoting the Service.

6. Subscription Terms

• Paid subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date.
• Any free trial of a paid tier is offered once per customer, applies to that customer's first subscription to that tier, and constitutes your evaluation period; charges after the trial ends are non-refundable except as required by law.
• We may change subscription pricing with at least 30 days' advance notice to existing subscribers; continued use of a paid subscription after a price change takes effect constitutes acceptance of the new price.
• You may cancel your subscription at any time through your account settings; cancellation takes effect at the end of the current billing period.

7. No Investment Advice

Nothing on the Service constitutes, or should be relied upon as, investment, legal, tax, or financial advice, or a recommendation or solicitation to buy or sell any security, instrument, or asset. All content is provided for informational and educational purposes only. You are solely responsible for evaluating the merits and risks of any investment decision, and should consult a qualified, licensed financial advisor before making one. Trading securities, options, and other financial instruments involves risk, including the possible loss of principal.

8. Disclaimer of Warranties

THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR TIMELINESS. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY DATA OR ANALYSIS PROVIDED WILL BE ACCURATE OR COMPLETE.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL MARKETCATALYST LLC, ITS OFFICERS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION ANY TRADING OR INVESTMENT LOSSES, LOST PROFITS, OR LOSS OF DATA, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Indemnification

You agree to indemnify, defend, and hold harmless MarketCatalyst LLC, its officers, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Service, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any violation of these Terms or for any other reason at our discretion. You may stop using the Service, or close your account, at any time. Upon termination, your right to access the Service ends immediately; provisions of these Terms that by their nature should survive termination (including Sections 5, 8, 9, 10, and 12) will continue to apply.

12. Governing Law

These Terms are governed by, and will be construed in accordance with, the laws of [State/Jurisdiction, e.g., "the State of Delaware"], without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Service will be subject to the exclusive jurisdiction of the courts located in [County, State].

13. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice, such as by posting a notice on the Service or updating the "Last Updated" date above. Your continued use of the Service after any changes take effect constitutes your acceptance of the revised Terms.

14. Contact Information

If you have questions about these Terms, please contact us at contact@marketcatalyst.ai.