Terms of Service

Last updated: [DATE]

These terms govern your use of StratGraph (the "Service"), operated by COMPANY LEGAL NAME], a [STATE] [ENTITY TYPE] ("we", "us"). By using the Service you agree to these terms and to our [Disclaimer and Privacy Policy.

Accounts

You must be at least 18 and provide an accurate email address. You are responsible for activity under your account. One subscription is for one individual.

Subscriptions, automatic renewal and cancellation

• Paid plans are billed in advance, monthly or yearly. [IF USING LEMON SQUEEZY OR PADDLE: "Our order process is conducted by our online reseller [Lemon Squeezy / Paddle.com]. [Lemon Squeezy / Paddle.com] is the Merchant of Record for all our orders and handles customer service inquiries and returns related to payment."] [IF USING STRIPE: "Payments are processed by Stripe."]
• Your subscription renews automatically at the end of each billing period at the then-current price until you cancel.
• You can cancel at any time online from your account page ("Manage billing / cancel"). Cancellation takes effect at the end of the current paid period, and you keep access until then.
• For yearly plans we email a reminder before renewal. We will notify you in advance of any price change, and you may cancel before it applies.
• Except where required by law, payments are non-refundable and partial periods are not refunded. [REFUND POLICY, IF ANY]
• Applicable sales tax may be added at checkout.

License and acceptable use

We grant you a personal, non-transferable, non-commercial license to read the Service. You may not:

• copy, resell, redistribute or publicly display paid content, or share your account;
• scrape, crawl or bulk-download the Service, or use it to train machine-learning models;
• interfere with the Service's security or operation.

Brief quotation with attribution and a link is fine.

Not investment advice

The Service is general, impersonal research and not investment advice; see the Disclaimer.

Intellectual property

The Service's original content, design and software belong to us or our licensors. Company names and trademarks belong to their owners and are used only to identify them; no endorsement is implied. Underlying SEC filings are public records.

Disclaimers and limitation of liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY TRADING OR INVESTMENT LOSSES, AND OUR TOTAL LIABILITY IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM.

Termination

We may suspend or end access for violations of these terms. You may stop using the Service at any time.

Changes

We may update these terms; material changes will be emailed to subscribers or posted on this page in advance.

Governing law and disputes

These terms are governed by the laws of the State of California. [DISPUTE RESOLUTION CLAUSE TO BE COMPLETED BY COUNSEL]

Contact

[CONTACT EMAIL]