Terms of Use

You must be at least 18 years old to use the App. By using it, you confirm that you are 18 or older.

The App is an educational research tool. It applies publicly known value-investing formulas to publicly available financial data and presents the results, including quality scores, valuation estimates, price zones, and screening signals. See the in-App Disclaimer for the full statement on the informational, non-advisory nature of the App.

The App does not provide personalized investment, financial, legal, or tax advice, and nothing in it is a recommendation, offer, or solicitation to buy or sell any security. You are solely responsible for your own investment decisions. Refer to the Disclaimer for details.

You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. Notify us promptly of any unauthorized use. We are not liable for losses arising from unauthorized use of your account where we are not at fault.

You agree not to:

• use the App or its data for any unlawful purpose;
• copy, scrape, harvest, or systematically extract data from the App or its underlying services using automated means;
• reverse engineer, decompile, or attempt to derive source code, except where such restriction is prohibited by law;
• resell, redistribute, or make commercial use of the App's content without permission;
• interfere with, disrupt, or attempt to gain unauthorized access to the App, its servers, or connected systems.

Financial data may be delayed, incomplete, or inaccurate. We do not warrant the accuracy, completeness, timeliness, or reliability of any data or result shown. Past performance does not guarantee future results, and all investing involves risk, including possible loss of principal.

The App is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement, to the fullest extent permitted by law.

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or investment losses, arising from or related to your use of (or inability to use) the App, even if advised of the possibility of such damages.

We may update these Terms from time to time. Material changes will be reflected by an updated date and, where appropriate, a renewed acknowledgment prompt. Continued use after changes means you accept the updated Terms.

We may suspend or terminate your access to the App at our discretion, including for breach of these Terms.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law rules. You agree to the jurisdiction of the courts located in Ontario, Canada.

If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.

Your use of the App is also governed by our Privacy Policy, which explains what information we collect and how we use it.