Terms of Service

PLEASE READ CAREFULLY. THESE TERMS CONTAIN A BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER (SECTION 13) THAT AFFECT YOUR LEGAL RIGHTS. YOU MAY OPT OUT OF ARBITRATION WITHIN 60 DAYS OF FIRST ACCEPTING THESE TERMS.

1. Acceptance of Terms

These Terms of Service (the "Terms") are a binding agreement between you and Argmin Trading LLC, doing business as mrmarket.ai ("mrmarket.ai," "we," "us," or "our"). By accessing or using mrmarket.ai (the "Service"), you agree to be bound by these Terms. If you do not agree, do not use the Service. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

2. Description of Service

mrmarket.ai provides financial data analysis and visualization tools, including access to market data, natural language query capabilities, and customizable dashboards for financial research. Certain features may require a paid subscription.

The Service is provided for informational and research purposes only. We make no guarantees about the accuracy, completeness, or timeliness of any data, calculation, benchmark, screen, or analysis presented, and you are responsible for independently verifying all information before relying on it.

No commitment to features or data. We may add, modify, suspend, remove, or discontinue any feature, dataset, screen, benchmark, calculation, or other component of the Service at any time, with or without notice, and without liability to you. We make no commitment that any feature, metric, or data source available today will remain available in the future, or that any planned feature will ever be released.

3. User Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

You agree to provide accurate and complete information when creating your account and to keep that information current. You must be at least 18 years old to create an account.

4. Subscriptions, Billing, and Auto-Renewal

Paid features of the Service are offered on a subscription basis. By subscribing, you authorize mrmarket.ai and our payment processor (Stripe) to charge the payment method you provide on a recurring basis for the applicable subscription fees, plus any taxes, until you cancel.

Auto-renewal. Your subscription will automatically renew at the end of each billing period (monthly or annual, as selected at purchase) at the then-current rate, unless you cancel before the renewal date. We will provide reminders before renewal where required by applicable law.

Price changes. We may change subscription prices from time to time. We will provide advance notice of price changes, and changes will apply to your next renewal. Continued use of the Service after a price change takes effect constitutes acceptance of the new price.

Free trials. If we offer a free trial, the terms of that trial (including its duration and any conversion to a paid subscription) will be disclosed at signup. Unless cancelled before the trial ends, your subscription will automatically convert to paid at the then-current rate.

5. Cancellation and Refunds

You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of your current billing period, and you will continue to have access to paid features until then.

No refunds for partial periods. Except where required by applicable law, all fees are non-refundable, and we do not provide refunds or credits for partial billing periods, unused time, or downgrades.

Chargebacks. Initiating a chargeback or payment dispute for charges that comply with these Terms may result in immediate suspension or termination of your account.

6. Acceptable Use

You agree not to:

• Use the Service for any illegal purpose or in violation of any applicable laws or regulations
• Attempt to gain unauthorized access to our systems, other accounts, or related infrastructure
• Scrape, crawl, or systematically extract data from the Service, or use automated tools to access the Service except as expressly permitted
• Reverse engineer, decompile, or attempt to derive the source code of the Service
• Use the Service to train competing machine learning models or to build a competing product
• Resell, sublicense, or redistribute the Service or its outputs without our written permission
• Interfere with or disrupt the Service or impose an unreasonable load on our infrastructure
• Misrepresent your identity or affiliation with any person or entity

7. Financial Disclaimer

mrmarket.ai is a financial data analysis tool, not a registered investment advisor, broker-dealer, or financial planner. Nothing on the Service constitutes investment, legal, tax, or other professional advice, and nothing should be construed as a recommendation to buy, sell, or hold any security.

USE AT YOUR OWN RISK. ALL USE OF THE SERVICE, AND ALL TRADING, INVESTMENT, AND OTHER FINANCIAL DECISIONS YOU MAKE BASED ON OR IN CONNECTION WITH THE SERVICE, ARE ENTIRELY AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR YOUR DECISIONS AND THEIR OUTCOMES.

No accuracy guarantee. We make no representation or warranty — express, implied, or statutory — regarding the accuracy, completeness, timeliness, reliability, or fitness of any data, calculation, ratio, benchmark, screen, chart, or analysis presented through the Service. Market data, fundamentals, and computed metrics may be delayed, stale, incomplete, or contain errors. You should independently verify any information before relying on it.

You should consult with qualified financial, legal, and tax professionals before making any financial decision. Past performance is not indicative of future results.

8. Intellectual Property

All content, features, and functionality of the Service, including text, graphics, logos, software, and the structure, selection, and arrangement of data presented through the Service, are owned by mrmarket.ai or its licensors and are protected by copyright, trademark, and other intellectual property laws. No rights are granted to you other than as expressly set forth in these Terms.

9. User Content

You retain ownership of content you create using the Service, such as saved charts, screens, and queries ("User Content"). You grant mrmarket.ai a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to host, store, reproduce, modify, display, and distribute your User Content solely as necessary to operate, provide, improve, and promote the Service.

When you publicly share User Content (for example, via a public share link), you additionally grant mrmarket.ai and other users a license to view, display, and share that content as enabled through the Service.

You are responsible for the User Content you create and share, and you represent that you have all rights necessary to grant the licenses above. You agree not to share content that is illegal, infringing, defamatory, or violates the rights of others.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, MRMARKET.AI DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE SPECIFICALLY DISCLAIM ANY WARRANTY THAT MARKET DATA, FUNDAMENTALS, FINANCIAL RATIOS, BENCHMARKS, SCREENS, OR ANY OTHER OUTPUT OF THE SERVICE WILL BE ACCURATE, RELIABLE, COMPLETE, TIMELY, OR FREE FROM ERRORS. ANY RELIANCE YOU PLACE ON THE SERVICE OR ITS OUTPUTS IS STRICTLY AT YOUR OWN RISK. Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, the above exclusions apply to the maximum extent permitted by law.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MRMARKET.AI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, TRADING LOSSES, INVESTMENT LOSSES, OR LOST OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE OR ANY DATA, CALCULATION, OR OUTPUT IT PROVIDES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS EXCLUSION APPLIES REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE) AND REGARDLESS OF WHETHER THE REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

IN NO EVENT SHALL MRMARKET.AI'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE AMOUNTS YOU HAVE ACTUALLY PAID TO MRMARKET.AI IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. IF YOU HAVE NOT PAID MRMARKET.AI ANY AMOUNTS DURING THAT PERIOD, OUR AGGREGATE LIABILITY TO YOU SHALL BE US$0 (ZERO DOLLARS). SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF CERTAIN DAMAGES; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

12. Indemnification

You agree to indemnify, defend, and hold harmless mrmarket.ai and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms; (d) your violation of any third-party right, including intellectual property or privacy rights; or (e) your violation of any applicable law.

13. Binding Arbitration and Class Action Waiver

Agreement to arbitrate. You and mrmarket.ai agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, and not in court. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Class action waiver. YOU AND MRMARKET.AI EACH AGREE THAT DISPUTES MUST BE BROUGHT ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING. If this class action waiver is found to be unenforceable, then the entirety of this Section 13 shall be null and void, and the Dispute shall proceed in court (but the remainder of these Terms shall remain in effect).

Opt-out. You may opt out of this arbitration agreement by emailing hello@mrmarket.ai within sixty (60) days of first accepting these Terms, with the subject line "Arbitration Opt-Out" and including your name and the email associated with your account. Opting out does not affect any other provision of these Terms.

Exceptions. Either party may bring an individual claim in small-claims court for Disputes within that court's jurisdiction, in lieu of arbitration. Either party may also seek injunctive or equitable relief in court to protect intellectual property rights.

Location and costs. Arbitration will be conducted in the county where you reside, or by telephone or video conference, at your election. Filing fees and arbitration costs will be governed by the AAA Consumer Arbitration Rules, which limit the fees payable by consumers.

This Section 13 survives termination of these Terms or your account. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

14. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-laws principles. For any Dispute not subject to arbitration under Section 13, you and mrmarket.ai agree to the exclusive jurisdiction and venue of the state and federal courts located in Delaware, and you waive any objection to such jurisdiction or venue.

15. Changes to Terms

We may modify these Terms from time to time. Material changes will be communicated by posting a notice on the Service or by email to the address associated with your account. Changes take effect on the "Last updated" date shown at the top of these Terms. Your continued use of the Service after that date constitutes acceptance of the updated Terms.

16. Termination

We may suspend or terminate your access to the Service at any time, with or without cause and with or without notice, including for violation of these Terms. You may terminate your account at any time through your account settings.

Upon termination, your right to use the Service ends immediately. We will handle your data in accordance with our Privacy Policy, including any provisions on retention of de-identified data. Sections that by their nature should survive termination (including Sections 7, 8, 10, 11, 12, 13, 14, and 17) will survive.

17. Miscellaneous

These Terms, together with our Privacy Policy, constitute the entire agreement between you and mrmarket.ai regarding the Service and supersede any prior agreements. If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force. Our failure to enforce any right or provision is not a waiver of that right or provision.

You may not assign or transfer these Terms without our prior written consent. We may freely assign these Terms in connection with a merger, acquisition, or sale of assets. There are no third-party beneficiaries to these Terms.

18. Contact

Questions about these Terms? Contact us at hello@mrmarket.ai.