Terms of Use

1. No investment advice

The Content is provided for informational and educational purposes only. It is not financial, investment, legal, or tax advice, and you should not treat it as such.

Nothing on the Service is a recommendation, solicitation, endorsement, or offer to buy or sell any security or other financial instrument. The Content is general in nature and does not consider your individual objectives, financial situation, or needs. Altoalpha is not your broker, investment adviser, or fiduciary.

You alone are responsible for evaluating the merits and risks of using the Content before making any decision. Investing involves risk, including the possible loss of principal, and past performance does not guarantee future results.

2. Use of the Service

2.1 License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Service for your own personal, non-commercial purposes. The Service and Content are protected by intellectual property laws, and all rights not expressly granted are reserved.

2.2 Updates

The Service is evolving. We may update, change, or discontinue features at any time, with or without notice to you.

2.3 Restrictions

You agree that you will not:

• license, sell, rent, lease, transfer, reproduce, distribute, or otherwise commercially exploit the Service or Content;
• modify, translate, adapt, or create derivative works of, or reverse engineer, decompile, or disassemble any part of the Service;
• use any automated means, including bots or scrapers, to access or download data from the Service;
• use the Service to build a similar or competing product or service;
• remove, alter, or obscure any proprietary notices; or
• use metatags, framing, or other techniques that misuse our name, logos, or trademarks.

2.4 Unauthorized use

You will not interfere with or damage the Service, including through viruses, harmful code, or denial-of-service attacks, and you will not attempt to gain unauthorized access to the Service, other users' accounts, or our systems.

2.5 Communications

By using the Service, you agree to receive communications from us, including emails and in-app or push notifications. You may opt out of marketing emails by following the unsubscribe instructions in those emails; we may still send you service-related messages.

3. Registration and accounts

Some features require you to register for an account. You agree to provide accurate, current, and complete information and to keep it up to date. You are responsible for safeguarding your password and for all activity that occurs under your account. If we terminate your access for a violation of these Terms, you agree not to register again without our permission. If you sign in through a third-party service we support (such as Google or Apple), you authorize us to access certain information from that account as permitted by its terms.

4. Fees, billing, and renewals

4.1 Fees and payment

If you purchase a paid subscription, you agree to pay all applicable fees and authorize us and our payment processor to charge your payment method. Payments are processed by our third-party payment processor, Stripe, and you must provide a valid payment method.

4.2 Subscription fees

Subscription fees are billed in advance for the period you select. Except as required by law or expressly stated in these Terms, fees are non-refundable.

4.3 Automatic renewal

Your subscription automatically renews at the end of each term for an additional term of the same length, at our then-current price, unless you cancel before the renewal date. Promotional or first-year pricing applies only to the stated period; renewals are billed at the standard price in effect at the time of renewal. You can cancel at any time through your account or billing portal; cancellation stops future renewals but does not refund the current term.

4.4 Price changes

We may change our fees from time to time. Price changes apply to your next renewal after we provide notice, and your continued use after the change takes effect constitutes acceptance of the new price.

4.5 Taxes

Fees are exclusive of any applicable taxes. You are responsible for any sales, use, or similar taxes associated with your purchase, other than taxes based on our net income.

5. Ownership

We and our licensors own all right, title, and interest in the Service and Content, including all related intellectual property. You receive no ownership interest in the Service or in your account. The Altoalpha name, logo, and related marks are our trademarks and may not be used without our permission. If you send us feedback or suggestions, you grant us the right to use them without restriction or any obligation to you.

6. Indemnification

You agree to indemnify and hold harmless Altoalpha and its affiliates, officers, employees, and agents from any claims, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any law or the rights of any third party.

7. Disclaimer of warranties

To the fullest extent permitted by law, the Service and Content are provided on an "as is" and "as available" basis, with all faults and without warranties of any kind, whether express or implied, including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Service will meet your requirements, be uninterrupted, timely, secure, or error-free, or that any Content will be accurate, complete, or reliable.

8. Limitation of liability

To the fullest extent permitted by law, Altoalpha will not be liable for any indirect, incidental, special, consequential, or exemplary damages, or for any loss of profits, revenue, or data, arising out of or related to your use of the Service.

Our total liability for any claim will not exceed the greater of the amount you paid us in the subscription period in which the claim arose or fifty dollars ($50).

9. Term and termination

These Terms apply while you use the Service. We may suspend or terminate your access at any time if you violate these Terms or for conduct we consider inappropriate. You may cancel at any time by closing your account. Upon termination, your right to use the Service ends, and we may delete your account and associated Content. Provisions that by their nature should survive termination will survive.

10. Governing law and disputes

These Terms are governed by the laws of the State of [State], without regard to its conflict-of-laws principles. You agree that any dispute relating to these Terms or the Service will be resolved in the state or federal courts located in [State], and you consent to their jurisdiction, except that either party may seek relief in small claims court or seek injunctive relief to protect its intellectual property.

11. Changes to these Terms

We may modify these Terms at any time. When we make changes, we will update the "Last updated" date above and post the revised Terms on the Service. If you do not agree to the changes, you must stop using the Service; otherwise, your continued use constitutes acceptance of the updated Terms.

12. How to contact us

If you have any questions about these Terms, contact us at support@altoalpha.com.