Terms of Service

1. Acceptance of Terms

By accessing and using SIMS (Smart Investment Metrics & Signals), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use this service. SIMS is an educational newsletter platform that provides market news summaries and learning resources.

2. Description of Service

SIMS provides: (a) curated market news summaries, (b) educational content about stock market concepts, (c) AI-generated sentiment analysis for educational illustration, (d) a watchlist feature for tracking stocks you want to learn about, and (e) email newsletters with market updates. SIMS does NOT provide investment advice, stock recommendations, or personalized financial guidance.

3. Educational Purpose Only

All content on SIMS is provided for educational and informational purposes only. Nothing on this platform constitutes investment advice, a recommendation to buy or sell securities, or an offer of financial services. You should always consult with a licensed financial advisor before making investment decisions. SIMS is not registered with the SEC, FINRA, or any other financial regulatory body.

4. User Accounts

You are responsible for maintaining the confidentiality of your account credentials. You agree to provide accurate information and to update it as necessary. You must be at least 18 years of age to create an account. You may not share your account with others or allow unauthorized access.

5. Premium Subscription

• Subscription fee: .99/month (USD)
• Billing occurs monthly on the same day you subscribed
• You may cancel anytime through your account settings
• Cancellation takes effect at the end of your current billing cycle
• We offer a 7-day money-back guarantee for new subscribers
• Price changes will be communicated 30 days in advance

6. Acceptable Use

You agree not to: (a) use the service for any unlawful purpose, (b) attempt to gain unauthorized access to our systems, (c) use automated tools or bots to access the service, (d) reproduce or redistribute our content without permission, (e) use the service to manipulate markets or engage in fraud, (f) harass other users or our staff.

7. Intellectual Property

All content, features, and functionality of SIMS are owned by the creators and protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

8. Disclaimer of Warranties

SIMS IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY INFORMATION IS ACCURATE OR COMPLETE. WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SIMS AND ITS CREATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR FINANCIAL LOSSES ARISING FROM YOUR USE OF THE SERVICE OR ANY INVESTMENT DECISIONS YOU MAKE.

10. Indemnification

You agree to indemnify and hold harmless SIMS and its creators from any claims, damages, or expenses arising from your use of the service, your violation of these terms, or your violation of any third-party rights.

11. Termination

We may terminate or suspend your account at any time for violation of these terms or for any other reason at our sole discretion. Upon termination, your right to use the service ceases immediately.

12. Changes to Terms

We may modify these terms at any time. Material changes will be communicated via email or prominent notice on the platform. Your continued use after changes constitutes acceptance of the new terms.

13. Governing Law

These terms shall be governed by the laws of the United States. Any disputes shall be resolved through binding arbitration in accordance with applicable rules.