Terms of Service

Welcome to MarketRoom.ai ("MarketRoom", "the Platform", "the Website", "the Service", "we", "us" or "our").

MarketRoom.ai is an AI-powered investment research and market analysis platform that provides users with tools, AI agents, stock analysis, portfolio analysis, market summaries, reports, insights and other general information related to financial markets.

These Terms of Service govern your access to and use of the Website, Platform, dashboard, analysis tools, content, reports, subscriptions, credits and any other service or feature offered by MarketRoom.ai.

By using the Website, creating an account, purchasing a subscription, purchasing credits or using any part of the Service, you confirm that you have read, understood and agreed to these Terms.

If you do not agree to these Terms, you must not use the Website or the Service.

The Service is intended only for users who are at least 18 years old, or the age of legal majority in their country, whichever is higher.

By using the Service, you represent and warrant that:

• you are legally permitted to use the Service and enter into these Terms

• you are not prohibited from using the Service under any law applicable to you

• you are not located in any country or region where use of the Service is prohibited by law, sanctions or regulatory restrictions

• you will use the Service in accordance with these Terms and all applicable laws

MarketRoom.ai is not intended for minors and does not knowingly collect information from minors. If we become aware that a minor has used the Service or provided personal information, MarketRoom.ai may delete the account and related information.

MarketRoom is a market data analysis platform. The platform provides users with tools to gather, organize, and analyze publicly available financial information to support their own independent decision-making process. MarketRoom does not provide investment advice, financial recommendations, or trading signals of any kind. All decisions based on information obtained through the platform are made solely by the user, and the user bears full responsibility for those decisions.

The Service may include, among other things:

• analysis of stocks, companies, industries and markets

• portfolio analysis

• AI-generated reports and insights

• comparisons based on different investment strategies or approaches

• stock screeners, watchlists, alerts and dashboards

• market summaries, financial information, historical data and third-party data

• scores, summaries, conclusions or "Final Verdicts" generated by AI

The Service is provided for informational, research and educational purposes only.

MarketRoom.ai is not an investment adviser, financial adviser, portfolio manager, broker, bank, exchange, trading platform or regulated financial institution.

Nothing on the Website or generated through the Service should be considered or interpreted as:

• investment advice

• financial advice

• trading advice

• tax advice

• legal advice

• a recommendation to buy, sell, hold, short, subscribe for, redeem or take any other action regarding any security, stock, fund, financial instrument, digital asset or investment product

• an offer or solicitation to invest

• a personal recommendation tailored to the user's financial situation, objectives, needs, experience, risk tolerance or personal circumstances

Even when the Service analyzes information provided by the user, including a portfolio, list of stocks, preferences, questions or other personal data, the output is general, informational and does not constitute personal advice.

All investment decisions are made at the user's sole responsibility. Before making any investment decision, the user should conduct independent research and consult a licensed investment adviser, financial adviser, tax adviser or legal adviser, as appropriate.

Use of MarketRoom.ai does not create any fiduciary, advisory, agency, trustee-beneficiary, professional-client or other special relationship between the user and MarketRoom.ai.

MarketRoom.ai does not review the user's personal financial situation, does not monitor the suitability of investments for the user's needs and does not determine whether any investment is suitable or appropriate for the user.

Investing in financial markets involves risk. The user may lose some or all of the money invested. Financial markets are volatile, unpredictable and affected by many factors outside the control of MarketRoom.ai.

The user acknowledges and understands that:

• every investment involves risk

• past performance does not indicate future results

• no analysis, model, forecast, score or conclusion guarantees profit

• market data may be inaccurate, incomplete, delayed or unavailable

• AI outputs may contain errors, inaccuracies, incorrect assumptions or missing information

• the Service should not be relied upon as the sole basis for making investment decisions

The Service uses artificial intelligence, automation, external or internal models, algorithms, prompts, analytical systems and various sources of information.

AI outputs may:

• contain factual, mathematical, financial, logical or interpretive errors

• be based on partial, incorrect, delayed or outdated information

• fail to reflect recent events, company filings, news, regulatory changes or market movements

• generate different answers to the same or similar inputs

• include assumptions that are not expressly shown to the user

• be unsuitable for the user's needs or circumstances

MarketRoom.ai does not guarantee that Service outputs will be accurate, complete, current, continuous, error-free, profitable or suitable for any particular use.

The Service may use, display, process or analyze information from third-party sources, including market data providers, financial APIs, public filings, company reports, news sources, exchanges, information websites and other public or commercial sources.

MarketRoom.ai does not guarantee that third-party information will be accurate, complete, current, continuous or suitable for trading or investment decisions.

Market data may be delayed, incorrect, incomplete or unavailable. The user agrees not to rely on the Service as the sole source of market data or for immediate trading decisions.

To use certain parts of the Service, the user may be required to create an account and provide accurate, complete and current information.

The user is responsible for:

• keeping login credentials confidential

• all activity that occurs under the user's account

• keeping account information updated

• promptly notifying MarketRoom.ai of any suspected unauthorized access, misuse or security breach

MarketRoom.ai may suspend, restrict or close an account if there is concern that the account has been compromised, used unlawfully, misused or used in violation of these Terms.

The user may enter, upload or provide information to the Service, including lists of stocks, portfolio holdings, watchlists, preferences, questions, prompts, notes, files or other content ("User Content").

The user retains rights in the User Content provided by the user.

By providing User Content, the user grants MarketRoom.ai a limited, worldwide, non-exclusive and royalty-free permission to use, process, analyze, store, display and generate outputs from such User Content, solely for the purpose of providing, maintaining, securing, improving and supporting the Service, and complying with legal requirements.

The user represents that:

• the user is permitted to provide the User Content

• the User Content does not violate any law or third-party rights

• the User Content is not false, misleading, unlawful, malicious or harmful

MarketRoom.ai is not responsible for any decisions, losses or damages resulting from User Content provided by the user.

The user agrees not to:

• use the Service for any unlawful, fraudulent, misleading, harmful or abusive purpose

• violate securities laws, privacy laws, intellectual property laws, sanctions, export laws or any other applicable law

• copy, scrape, crawl, resell, reverse engineer or attempt to extract code, models, algorithms, prompts, data structures or methods of the Service

• attempt to gain unauthorized access to accounts, systems, APIs, data or infrastructure

• interfere with the proper operation of the Service

• use the Service to develop a competing product

• bypass usage limits, credits, subscription limits, security measures or access controls

• upload malicious code, viruses, spyware, phishing content or harmful material

• present Service outputs as professional advice provided by MarketRoom.ai

• use the Service in any country, region or manner where such use is prohibited by law

Certain parts of the Service may be offered for payment, as part of a subscription, credit purchase, one-time payment or other plan.

By purchasing a subscription, credits or any paid service, the user authorizes MarketRoom.ai and its payment providers to charge the payment method provided for the plan, service, credits, taxes and applicable charges.

Unless stated otherwise on the checkout page:

• subscriptions renew automatically until cancelled

• credits may be consumed based on usage, including analyses, reports, AI requests, portfolio analysis or other actions

• unused credits may expire according to the plan terms

• cancellation of a subscription stops future charges, but does not automatically entitle the user to a refund for a period already paid

• prices may change from time to time

• taxes, VAT, sales tax or other charges may be added depending on the user's country and applicable law

The user is responsible for reviewing the plan terms, price, renewal date, usage limits and credit rules before making a purchase.

All fees paid to MarketRoom are non-refundable. By completing a purchase, you acknowledge that you have reviewed the features of the plan or credit package and agree that no refunds, credits, or exchanges will be provided. This policy applies without exception. See our Refund Policy for full details.

MarketRoom.ai may, at its sole discretion, correct genuine billing errors. Cancellation of a subscription stops future charges but does not entitle the user to a refund for any amount already charged. Nothing in this section limits mandatory consumer rights that cannot be waived under applicable law.

If the user opens a payment dispute, chargeback or transaction reversal, MarketRoom.ai may suspend or restrict the account until the dispute is resolved.

MarketRoom.ai may provide payment providers with information and evidence related to the transaction, including account creation time, purchase confirmation, Service usage, credit consumption, technical logs, IP addresses, correspondence and other relevant documentation.

False chargebacks, repeated disputes or misuse of payment mechanisms may result in account termination and blocking of future use of the Service.

All rights in the Website, Platform, software, design, interfaces, text, graphics, logo, brand, reports, templates, prompts, models, algorithms, databases, workflows and any other content or component of the Service belong to MarketRoom.ai or its licensors.

The user receives a limited, personal, non-exclusive, non-transferable right to use the Service only in accordance with these Terms.

The user may not copy, reproduce, distribute, sell, rent, license, modify, reverse engineer, create derivative works from, publish or commercially exploit any part of the Service without prior written approval from MarketRoom.ai.

If the user provides MarketRoom.ai with ideas, suggestions, comments, improvement requests or any other feedback, the user grants MarketRoom.ai the right to use, incorporate, modify and develop products or services based on such feedback without additional approval and without payment to the user.

The Service may include links, integrations or use of third-party services, including payment providers, AI providers, data providers, analytics providers, cloud services, support tools and external websites.

MarketRoom.ai is not responsible for the content, availability, security, accuracy, terms, privacy policies or practices of third parties.

Use of third-party services may be subject to the terms and policies of those third parties.

Use of the Service is subject to the MarketRoom.ai Privacy Policy, which explains how personal information is collected, stored, processed and shared.

By using the Service, the user acknowledges that personal information, usage data, User Content, prompts and AI outputs may be processed by MarketRoom.ai and its service providers, including AI, hosting, payment, analytics, security and support providers, in accordance with the Privacy Policy.

MarketRoom.ai may change, update, suspend, discontinue, restrict or remove any part of the Service at any time and at its discretion.

MarketRoom.ai does not guarantee that the Service will be available at all times, operate without errors, be completely secure, include any specific features or always support certain models, data, reports or capabilities.

The Service is provided "AS IS" and "AS AVAILABLE".

To the maximum extent permitted by law, MarketRoom.ai makes no warranties or representations, express or implied, including warranties of accuracy, completeness, timeliness, reliability, availability, fitness for a particular purpose, merchantability, non-infringement, profitability or suitability for investment decisions.

MarketRoom.ai does not guarantee that:

• the Service will be continuous, secure or error-free

• the data will be accurate, complete or current

• AI outputs will be correct or suitable

• use of the Service will result in profit

• the Service will prevent losses

• errors will be corrected

• the Service will meet the user's expectations

To the maximum extent permitted by law, MarketRoom.ai, its employees, managers, representatives, suppliers, partners and anyone acting on its behalf will not be liable for any indirect, consequential, special, incidental, punitive or other damages, including loss of profits, investment losses, trading losses, loss of data, reputational harm, business interruption or reliance damages.

In no event shall MarketRoom's total liability to you for any claims arising out of or related to your use of the platform exceed the fees paid by you to MarketRoom in the thirty (30) days immediately preceding the event giving rise to the claim. This limitation applies regardless of the theory of liability.

In some jurisdictions, certain liability limitations may not be permitted. In such cases, liability will be limited to the maximum extent permitted by law.

The user agrees to indemnify, defend and hold harmless MarketRoom.ai, its employees, managers, representatives, suppliers, partners and anyone acting on its behalf from any claim, demand, damage, loss, cost or expense, including reasonable attorneys' fees, arising from or related to:

• the user's use of the Service

• violation of these Terms

• violation of law by the user

• User Content provided by the user

• investment decisions or reliance on Service outputs

• any dispute between the user and a third party

MarketRoom.ai may suspend, restrict or terminate the user's access to all or part of the Service at any time if it believes that:

• the user violated these Terms

• the user misused the Service

• there is concern regarding fraud, security, chargeback or prohibited activity

• the payment method failed or was disputed

• the use creates legal, financial, operational, security or reputational risk

• this is required by law or by a third-party provider

The user may stop using the Service at any time and may request account deletion, subject to the Privacy Policy and legal data retention obligations.

Termination does not affect provisions that by their nature should continue to apply, including payments, intellectual property, disclaimers, limitation of liability, indemnification, privacy and dispute resolution.

The user may not use the Service if subject to sanctions, export restrictions, regulatory prohibitions or other legal restrictions.

MarketRoom.ai may block, restrict or terminate use of the Service for compliance, sanctions, fraud prevention, risk management, security or legal reasons.

MarketRoom.ai may update these Terms from time to time.

In the event of a material change, MarketRoom.ai may publish a notice on the Website, send an email notice or provide notice by another reasonable method.

Continued use of the Service after the Terms have been updated constitutes acceptance of the updated Terms.

Unless mandatory law provides otherwise, these Terms will be governed by and interpreted in accordance with the laws of the State of Israel.

Subject to any mandatory consumer protection laws, the exclusive jurisdiction for any dispute arising from the Service or these Terms will be the competent courts of Tel Aviv-Jaffa, Israel.

If any provision of these Terms is found to be unlawful, invalid or unenforceable, the remaining provisions will continue in full force and effect.

Failure by MarketRoom.ai to enforce any right will not be considered a waiver of that right.

The user may not assign or transfer any rights or obligations under these Terms without prior written approval from MarketRoom.ai.

MarketRoom.ai may assign or transfer its rights and obligations in connection with the Service, including as part of a restructuring, merger, acquisition, sale of business or transfer of assets.

By using MarketRoom, you acknowledge that: (a) you are using the platform as an independent decision-maker; (b) MarketRoom is not providing you with investment advice; (c) all investment decisions are your own, made at your own risk; and (d) all purchases are final and non-refundable.

You further acknowledge that you have reviewed our Risk Disclaimer and Refund Policy, which form part of these Terms.

By creating an account, providing your email address or using the Service, you agree that MarketRoom.ai may send you emails, notifications and other messages from time to time, including service updates, account notifications, product news, offers, promotions and other marketing communications.

Marketing communications are sent for the purpose of informing you about features, content, plans, credits, promotions and updates that may be relevant to you.

You may opt out of marketing communications at any time by using the unsubscribe link included in our emails or by contacting us at support@marketroom.ai. Even if you opt out of marketing communications, MarketRoom.ai may still send you essential, non-promotional service messages, such as account, security, billing, legal or transactional notices, which are necessary to provide the Service.

Where required by applicable law, marketing communications will only be sent in accordance with the consent you provided and your rights under applicable data protection and anti-spam laws.

For questions regarding these Terms of Service, you may contact us at:

support@marketroom.ai