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Please read these Terms carefully before using our Services. By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use immediately.

TERMS OF USE / DISCLAIMER

Last Updated: [January 10, 2025]

Welcome to [AIPredictStock.com] (the “Platform”). The Platform is owned and operated by Circuit Europe OÜ (the “Company,” “we,” “us,” or “our”), a company duly established under the laws of Estonia. These Terms of Use (the “Terms”) govern your (“you” or “User”) access to and use of the Platform and related services (collectively, the “Services”), including our free version and subscription-based “Pro” Membership. By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use immediately.

1. DEFINITIONS

1.1 “Platform”: Refers to the website https://www.aipredictstock.com/ and any associated web, mobile, or other applications operated by us.

1.2 “Services”: Includes financial news gathering, AI-based news summaries, stock/market predictions, and any other features made available via the Platform. Access to Services can vary depending on whether you are a free or Pro Member.

1.3 “User” / “you”: Means any individual or entity that visits, browses, signs up for, or in any way uses the Platform or Services.

1.4 “Pro Membership”: A paid subscription tier that grants access to additional or enhanced features compared to the free version.

1.5 “Content”: Refers to all text, images, graphics, data, software, code, audio, video, or other materials published, generated, or provided on the Platform.

2. ACCEPTANCE OF TERMS

2.1 Binding Agreement
These Terms constitute a legally binding agreement between you and the Company. By accessing or using the Platform, you confirm that you accept and will comply with these Terms.

2.2 Additional Policies
Your use of the Platform is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data. In the event of any inconsistency between these Terms and the Privacy Policy regarding data use and privacy, the Privacy Policy shall govern with respect to data privacy.

2.3 Territorial Restrictions & Legal Compliance
The Services are subject to Estonian law and applicable EU regulations. If your local laws prohibit your use of the Platform, you must discontinue use. You are solely responsible for complying with applicable laws where you access or use our Services.

3. USER ELIGIBILITY

3.1 Age Requirement
The Services are intended for individuals who are at least 16 years of age, or the equivalent minimum age in your jurisdiction. By using the Platform, you represent that you meet this age requirement. If you are under the required age, please discontinue use or seek parental/guardian consent.

3.2 Authority to Agree
If you are using the Platform on behalf of an entity or organization, you represent and warrant that you have the authority to bind that entity or organization to these Terms.

4. ACCOUNT REGISTRATION

4.1 Registration Process
To access certain features of the Services, you may be required to create an account. You may register by providing a valid email, username, password, and other required information or by using third-party login methods (Google, Apple, Facebook, etc.).

4.2 User Information
You agree to provide accurate, current, and complete information. You must promptly update your account information if it changes. Failure to do so may result in suspension or termination of your account.

4.3 Account Security
You are responsible for safeguarding your login credentials and all activities that occur under your account. Notify us immediately if you suspect unauthorized access to or use of your account.

4.4 Multiple Accounts
You may not create multiple accounts for disruptive or fraudulent purposes, including circumventing usage limits or obtaining multiple free trials.

5. SUBSCRIPTIONS AND PAYMENTS

5.1 Subscription Plans
We offer both a free tier (“Free Users”) and a paid subscription tier (“Pro Membership”). Pro Members may receive more frequent updates, additional data analysis, expanded AI summaries, or other enhanced features as described on the Platform.

5.2 Billing & Payment

  • Payment Methods: Subscription fees may be charged via credit/debit card, PayPal, or other payment methods specified on the Platform. By signing up for a Pro Membership, you authorize us to charge your chosen payment method at the applicable rate.
  • Billing Cycle: Subscriptions renew automatically at the end of each billing cycle (monthly or annually, as selected by you), unless canceled prior to renewal.
  • Price Changes: We reserve the right to modify our subscription fees. We will provide reasonable notice before any changes to the subscription rate become effective. If you disagree with the new rates, you may cancel your subscription.

5.3 Free Trials
We may offer free trials or promotional discounts from time to time. If you do not cancel during the free trial period, you will be charged at the end of the trial in accordance with the subscription plan you selected.

5.4 Cancellation & Refunds

  • Cancellation: You may cancel your Pro Membership at any time. Cancellations are effective at the end of the current billing cycle, and you will retain access to Pro features until the subscription term expires.
  • Refunds: Unless otherwise stated in your jurisdiction’s consumer protection laws (including EU consumer rights), all subscription fees are non-refundable once charged. However, we will comply with any applicable legal requirements regarding refunds (e.g., the EU 14-day cooling-off period, subject to exceptions when digital content is delivered immediately).

6. LICENSE AND PERMITTED USE

6.1 Limited License
Subject to these Terms, the Company grants you a personal, non-transferable, non-exclusive, revocable, limited license to access and use the Platform for your own internal, non-commercial purposes.

6.2 Usage Restrictions
You agree not to:

  • Violate any applicable law or regulation;
  • Modify, reproduce, distribute, republish, sell, or exploit any portion of the Platform or Services without our written consent;
  • Attempt to disrupt the proper functioning of the Platform through viruses, denial-of-service attacks, or other malicious activities;
  • Scrape, harvest, or use any automated means (e.g., bots, data mining, scripts) to collect information from the Platform unless explicitly permitted.

7. INTELLECTUAL PROPERTY

7.1 Ownership
All content on the Platform (including text, images, trademarks, logos, software code, and compilations) is owned or licensed by the Company, unless otherwise stated. Your use of the Platform does not grant any right or license to any intellectual property.

7.2 User-Generated Content
If you post or submit content (e.g., comments, feedback) on or through the Platform, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, and modify such content for the purpose of operating and improving our Services.

8. FINANCIAL DISCLAIMER

8.1 No Investment Advice

  • The Company provides AI-generated insights, summaries of financial news, and potential predictions of stock or market movements. These are for informational purposes only and do not constitute professional investment advice, financial guidance, or any guarantee of future market performance.
  • Always perform your own due diligence or consult a qualified financial advisor before making any investment decisions.

8.2 Accuracy of Information
We strive to ensure that our data, analyses, and predictions are as up-to-date and accurate as possible, but we cannot and do not guarantee the completeness, reliability, or accuracy of any data. Markets are volatile and subject to rapid change.

8.3 No Liability for User Decisions
Any actions or investment decisions you make based on information on the Platform are solely your responsibility. We assume no liability for any losses, direct or indirect, that result from your use of or reliance on the Services.

9. LIMITATION OF LIABILITY

9.1 Disclaimer of Warranties
To the fullest extent permitted by law:

  • The Platform and all Services are provided on an “AS IS” and “AS AVAILABLE” basis, without any express or implied warranties of any kind, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy.
  • We do not warrant that the Platform will be uninterrupted, error-free, or completely secure.

9.2 Exclusion of Damages
In no event will the Company (including its officers, directors, employees, agents, affiliates) be liable to you for any indirect, consequential, incidental, special, or punitive damages (including, without limitation, loss of data, revenue, or profit, or business interruption) arising out of or relating to your use of or inability to use the Platform, even if we have been advised of the possibility of such damages.

9.3 Cap on Liability
In jurisdictions where limitations of liability are permissible, the Company’s total aggregate liability for any and all claims related to your use of the Platform shall not exceed the amounts paid by you (if any) for the specific subscription or service in the three (3) months preceding the event that gave rise to the claim or €100, whichever is greater.

9.4 Exceptions
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. Where these laws apply, some of the above limitations may not apply to you.

10. INDEMNIFICATION

You agree to indemnify and hold harmless the Company and its affiliates from any claims, actions, damages, losses, or liabilities (including legal fees) arising out of or related to your breach of these Terms or your misuse of the Services.

11. TERMINATION AND SUSPENSION

11.1 By the Company
We reserve the right to suspend or terminate your access to the Platform at any time, with or without notice, if we suspect that you have violated these Terms, applicable law, or engaged in fraudulent or harmful activities.

11.2 By You
You may terminate your use of the Platform by canceling any active subscription and ceasing to access the Services. Termination of a Pro Membership does not entitle you to a refund unless otherwise stated in these Terms or required by law.

11.3 Effect of Termination
Upon termination, all rights granted to you under these Terms immediately cease. Any provisions intended to survive termination (e.g., disclaimers, liability limitations, intellectual property) will remain in effect.

12. MODIFICATIONS TO THE PLATFORM AND TERMS

12.1 Changes to Services
We may update, discontinue, or modify the Platform or any of its features (including subscription plans) at our sole discretion. We are not liable for any changes to the Services.

12.2 Amendments to Terms
We may revise these Terms from time to time. If we make material changes, we will post the revised Terms on the Platform and, if appropriate, notify you by email. Your continued use after the effective date of the updated Terms constitutes your acceptance of the changes.

13. GOVERNING LAW AND JURISDICTION

13.1 Governing Law
These Terms and any dispute arising from your use of the Services shall be governed by and construed in accordance with the laws of Estonia and applicable EU regulations, without regard to conflict-of-law principles.

13.2 Dispute Resolution
If a dispute arises, the parties shall first attempt to resolve it amicably. Any unresolved disputes shall be submitted to the exclusive jurisdiction of the courts of Estonia, unless otherwise required by mandatory consumer protection laws in your country of residence.

14. MISCELLANEOUS

14.1 Severability
If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

14.2 No Waiver
No waiver of any part of these Terms by us shall be deemed a further or continuing waiver of that term or any other term.

14.3 Entire Agreement
These Terms, together with any referenced policies (including our Privacy Policy), constitute the entire agreement between you and the Company regarding the Services and supersede all prior understandings or agreements.

14.4 Assignment
You may not assign or transfer any rights or obligations under these Terms without our prior written consent. We may freely assign or transfer our rights and obligations under these Terms without restriction.

14.5 Language
These Terms are provided in English. If a translation of these Terms conflicts with the English version, the English version shall prevail.

15. CONTACT US

If you have any questions or concerns regarding these Terms, the Services, or you wish to exercise any legal rights you may have (e.g., under EU consumer protection laws), please contact us at:

Circuit Europe OÜ
Tallinn, Estonia
Email: [support@aipredictstock.com]

BY USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO THESE TERMS. If you do not agree to any part of these Terms, you must discontinue your use of the Platform.

Thank you for choosing [AIPredictStock.com]! We appreciate your trust in our Services.