Terms of Use &
Research Disclaimer

1. Scope and purpose

This notice covers the Wall Street Watchers Research Organizer website, desktop and browser tools, calculations, reports, AI summaries, citations and related content (the ?Service?). ?You? means a visitor, subscriber or other client using the Service. The Service supplies information and research assistance, not personalized investment, financial, legal or tax advice. It does not recommend that you buy, sell or hold a particular security. Access, payment or communication with support does not by itself establish an advisory, brokerage or fiduciary relationship.

2. Your interpretation and decisions

You exercise your own judgment in interpreting the Service. You are responsible for checking your inputs, assessing whether information is relevant to your circumstances, and independently verifying important facts before acting. Consult an appropriately qualified professional when needed. You retain full responsibility for your investment choices, transactions, omissions and their consequences, including gains, losses, fees and taxes, subject to rights and responsibilities that applicable law does not allow to be excluded.

3. Research and AI limitations

AI output can misread sources, omit context or produce incorrect statements. A citation identifies a source; it does not certify a summary or guarantee a publisher?s accuracy. Read original articles, company statements and regulatory filings, checking their publication dates. Company statements may reflect management?s views rather than independently verified facts. Coverage may be incomplete, delayed or cached. Links can change or become unavailable. Third-party references do not imply endorsement or affiliation.

Offline article excerpts and copyright

The pasted-article tool selects original sentences using fixed scoring rules. It does not use generative AI, answer questions, verify claims or guarantee that the most important information was selected. Excerpts can miss dates, qualifications, conflicting coverage and surrounding context. Review the complete sources before making decisions.

Only submit text you have permission or another lawful basis to process. Pasting articles does not transfer their ownership to you or the Company. Do not bypass access controls or redistribute copyrighted articles or exported excerpts without appropriate rights. Private processing, research purposes and a short output do not automatically establish fair use.

4. Investment risk and illustrative results

Investments can lose value, including your entire investment. Historical calculations, example reports, warning labels and conditional outlooks do not establish future performance or investment suitability. The Service is not a validated stock-price prediction system. A lack of warning flags does not mean an investment is safe. Results depend on supplied data and may exclude transaction costs, taxes, dividends and other factors. No return or successful outcome is promised.

5. Availability and warranties

To the extent permitted by law, the Service is provided as available, without warranties of accuracy, completeness, timeliness, fitness for a particular purpose or uninterrupted operation. Technical failures and data loss can occur. Keep independent backups; a local recovery archive is not a guarantee that a report can be restored. These limitations do not override express contractual commitments or mandatory statutory guarantees.

6. Responsibility and limitations of liability

You bear the market risks of the investment decisions you make. Subject to Section 7 and only where legally permitted, Wall Street Watchers is not responsible for trading losses, missed opportunities or indirect or consequential losses attributable to your reliance on research outputs, third-party information or unavailable features. This provision does not promise that every loss or claim is excluded. It does not limit remedies for our own conduct where applicable law prohibits doing so, and it does not require you to waive a non-waivable right.

7. Rights that remain protected

Nothing here excludes liability for fraud, intentional misconduct, gross negligence where it cannot lawfully be excluded, or any liability or consumer, securities or other statutory right that cannot legally be waived. If a provision is unenforceable, it applies only to the lawful extent and the remaining provisions continue to apply where permitted. The Company remains responsible for obligations imposed on it by applicable law.

8. Questions, disputes and policy status

Contact Raymond.Angel.Developer@gmail.com for service, billing or policy questions. Include a description and account email; do not send passwords, card security codes or API keys. You may contact us to seek a practical resolution, but doing so does not prevent you from contacting a regulator or exercising legal rights. These terms do not impose mandatory arbitration or a class-action waiver. Applicable law determines rights that cannot be varied by agreement.

The current integration accepts Stripe sandbox test transactions only. Live payment enrollment remains disabled. A privacy acknowledgment, support inquiry or selection of a plan alone is not an instruction to charge you.

9. Subscription renewal, cancellation and refunds

Best deal: US$200.00 every three months. Monthly plan: US$79.99 every month. Both plans automatically renew for the same term at the stated price unless you cancel before your next renewal. Recurring billing begins only after payment processing is connected and you explicitly authorize the recurring charges at checkout.

Cancel online: Sign in to your client account, open Billing information and select Cancel subscription renewal. Cancellation turns off future renewal. You may continue using the program through the remainder of the period you have already paid for. Stripe access ends at the exact paid-through time shown in Billing information. Manually recorded access ends at 00:00 UTC on its exclusive expiration date. Canceling does not shorten or extend that period.

No refunds. No prorated reimbursements. Canceling before the end of a paid period does not entitle you to a refund, partial refund, prorated reimbursement or credit for unused days or time. This policy applies except where a refund or other remedy is required by applicable law; it does not waive rights that cannot legally be waived.

The public static site accepts no payments. When configured, the secure portal offers Stripe sandbox checkout for test payments, with a seven-day trial for eligible new subscribers. Checkout shows the recurring amount and first charge date before confirmation. Cancel before the trial ends to prevent the conversion charge; trial access continues until its scheduled end. Stripe subscription cancellations are sent to Stripe, and success is shown only after Stripe confirms the change. Live billing is not enabled. An inquiry is not authorization to charge you.

10. Accounts and account security

Provide accurate account information, including your email and birth date, and keep it current by contacting support when corrections are needed. The software's age check permits ages 13 through 108; that check does not establish legal capacity to enter a contract. Before paid enrollment, you must have legal capacity or obtain any parent or guardian authorization required by applicable law. Do not use someone else's identity or payment method without authorization.

Your account is for your use. Keep your password and any authenticator or recovery information private, and tell us promptly if you suspect misuse. We do not recover readable passwords from account storage; verified recovery uses a reset procedure. Client and administrator authenticator enrollment and code checks are temporarily paused. Password sign-in and server-enforced account permissions remain required. Authenticator requirements can be restored later. You remain responsible for activity you authorize, subject to rights relating to fraud or unauthorized payments that applicable law protects.

11. Permitted use and your information

Subject to these terms and any applicable subscription, you may use the provided tools for your own research, save your reports, and export information through the available controls. This permission does not transfer ownership of the software, branding, third-party articles or market data. Separate licenses and lawful-use rights may apply to each source. Public redistribution, resale or commercial republication of material owned by us requires permission unless applicable law independently allows it.

You retain your rights in your own notes and other original submissions. You give us permission to process that information as needed to deliver features you request, store and recover reports, provide support, and protect the service as described in the Privacy Notice. That permission does not grant us general ownership of your submissions. Submit only information you have a lawful basis to use. An export does not grant rights to republish someone else's content.

12. Acceptable use

Do not attempt to access another client's records, evade authentication or payment controls, submit malicious code, overload the service, or use it for fraud or other unlawful conduct. Do not collect or redistribute protected content through unauthorized bulk extraction. These restrictions do not prohibit normal keyboard navigation, screen readers, voice input or other accessibility tools. Report suspected security problems privately to the contact above.

13. Independent providers and separate charges

Stripe processes payments under the arrangements described in our Privacy Notice. Wall Street Watchers remains the provider of this research service; Stripe does not provide our research or guarantee its accuracy. Optional Stripe consumer services, wallets or other payment methods may present additional terms. Clients are not required merely by buying our service to accept the business agreement between Wall Street Watchers and Stripe.

AI research requires your own supported provider account and API key. Provider usage charges are separate from your Wall Street Watchers subscription and may apply even when an AI response fails or is withheld. The provider's terms, usage limits and retention practices apply to requests you authorize. The service does not promise access to every provider model, publisher or data source, or that third-party material will remain available.

14. Changes, suspension and ending service

We may change features or restrict access to address security threats, misuse, legal requirements or operational problems. Where practical and appropriate, we will explain a restriction and provide a contact route; urgent protective action may occur first. Suspending access does not itself cancel a Stripe subscription, so contact billing support if you cannot reach your cancellation controls. Any billing adjustment or refund required by law remains available.

You may stop using the service and cancel renewal from your account. Account deletion and renewal cancellation are separate requests; contact us for deletion after addressing active billing. Export information you wish to keep before closure where possible. Retention and recovery are governed by the Privacy Notice and applicable obligations.

We will identify material policy changes and provide any notice or renewed consent required by law. Posting new language does not itself authorize a different subscription price, a new charge or materially different processing. If a provision cannot be enforced, it is limited or separated only to the extent the law permits; protected rights and the remaining lawful provisions continue to apply.