Terms of use

Informational Only. Everything in the Service, including data, charts, screens, scores, AI Content, and articles, is provided for general informational and educational purposes. It is not financial, investment, legal, tax, or other professional advice, and it is not a recommendation or solicitation to buy, sell, or hold any security or to follow any investment strategy.

No Ratings or Price Targets. We do not issue buy, sell, or hold ratings or price targets. Scores and grades in the Service, such as dividend consistency scores, describe historical data and are not recommendations. Analyst estimates and other third-party information are reported information, not our views.

No Advisory Relationship. Using the Service does not create an advisory, fiduciary, or other professional relationship between you and the Company.

You Bear All Risks. You are solely responsible for your own investment research and decisions. All investments involve risk, including the possible loss of principal. Past performance, including historical data shown in the Service, does not guarantee future results. We strongly urge you to consult a qualified, licensed financial professional before making investment decisions.

AI Features. The Service includes content generated by artificial intelligence, such as market briefings, bull and bear cases, earnings explanations, portfolio briefings, and responses from the research assistant (“AI Content”).

May Be Inaccurate or Incomplete. AI Content is generated automatically from third-party data, filings, and news. It can contain errors, omissions, outdated information, or incorrect explanations of why a price moved. Some AI Content is checked automatically before it is published, but those checks do not guarantee that it is accurate or complete.

Verify Before You Rely. AI Content is subject to the Not Investment Advice section above and does not consider your objectives, financial situation, or needs. Check important information against primary sources, such as company filings, before relying on it. You are solely responsible for how you use AI Content.

Your Inputs and Limits. What you submit to AI features is processed as described in our Privacy Policy, so do not submit information you are not authorized to share. We may limit your use of AI features, for example by the number of requests per period, and may change or discontinue them at any time.

You must be at least 18 years of age to use the Service. You may not use the Service if you are located in, or ordinarily resident in, a country or region subject to comprehensive U.S. sanctions, or if you are on a U.S. government restricted-party list.

You agree to provide accurate, current, and complete information when you register. You are responsible for safeguarding the sign-in methods you use to access your account, including your email account and any third-party accounts you sign in with, and for activity under your account. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

You agree not to do any of the following:

• Use the Service for any illegal or unauthorized purpose or engage in, encourage, or promote any activity that violates these Terms.
• Share your account credentials, or sell, transfer, or sublicense your access to the Service to any other person.
• Scrape, reverse-engineer, decompile, disassemble, or otherwise attempt to discover the source code or underlying algorithms of the Service.
• Use any automated systems (including bots or spiders) to access the Service in a manner that sends more requests than a human can reasonably produce in the same period.
• Remove, alter, or obscure any copyright, trademark, or other proprietary rights notices on the Service.
• Use the Service to transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature.

Personal Use Only. Market data, financial information, news, and analytics in the Service are provided in part by third-party providers under license, and are for your personal, non-commercial use. You may not redistribute, republish, resell, or commercially exploit them without our express written permission.

Accuracy and Timeliness. We rely on third-party providers and do not guarantee the accuracy, completeness, or timeliness of their data. Prices and other data may be delayed or contain errors.

FRED Data. Economic data on the Macro pages, and the Treasury yields and consumer prices used in backtests, come from FRED®, Federal Reserve Bank of St. Louis. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis. By using the Service, you agree to be bound by the FRED® API Terms of Use.

Beta Features. Some features are offered as beta, preview, or experimental features. They may be incomplete, contain errors, work differently than described, or change or be withdrawn at any time. You use them at your own risk.

Beta Plan. Members admitted to the HexPoint beta receive the Essential plan at no charge while the beta runs. When the beta ends, the complimentary plan continues to the end of its current monthly period and then ends unless you subscribe to a paid plan.

Paid Plans. Paid plans are billed monthly in advance at the price shown when you subscribe. Your subscription renews automatically each month at the then-current price until you cancel.

Payment Processing. Purchases are processed by Polar Software, Inc. (“Polar”), which acts as merchant of record and reseller of HexPoint subscriptions. Polar's buyer terms, which you accept at checkout, govern payment, billing, taxes, and refunds. These Terms govern your use of the Service.

Complimentary Plans. We may give you a plan at no charge, for a set period or until we end it. It is not billed, and when it ends your account returns to the plan you would otherwise have.

Cancellation. You can cancel at any time from your account settings. Cancellation takes effect at the end of the current billing period, and you keep access to your plan until then.

Price Changes. We will notify you before a price change applies to your subscription, and you can cancel before it takes effect.

Refunds. Except where required by law or provided in Polar's buyer terms, payments are non-refundable, and there are no refunds or credits for partially used periods.

You may stop using the Service at any time. You can delete your account from your account settings. Deleting your account permanently deletes your account data, as described in our Privacy Policy, and cancels any paid subscription immediately, without a refund for the current billing period except where required by law.

We may suspend or terminate your access to the Service immediately if you breach these Terms, if required by law, or to protect the Service or its users. We may also end your access or discontinue the Service for any other reason by giving you notice. If we do so while you have a paid subscription and you have not breached these Terms, we will refund the unused portion of your current billing period.

Upon termination, your right to use the Service ends. Provisions that by their nature should survive termination will survive, including those on investment advice, AI Content, data use, feedback, intellectual property, amounts owed, warranty disclaimers, limitation of liability, indemnification, and governing law.

Governing Law: These Terms are governed by the laws of the State of Iowa, United States, without regard to its conflict of law provisions.

Venue: Any legal action or proceeding arising out of these Terms or the Service shall be brought exclusively in the state or federal courts located in Scott County, Iowa, and you and the Company consent to their jurisdiction.

Entire Agreement: These Terms, together with any terms you accept at checkout, including Polar's buyer terms, are the entire agreement between you and the Company regarding the Service and supersede all prior agreements.

Consumer Rights: Nothing in these Terms limits rights you have under consumer protection laws that cannot be waived by contract.

Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign them in connection with a merger, acquisition, or sale of all or part of our business.

Severability: If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

No Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.