Terms of Service

1. Agreement to Terms

By accessing or using Intrinsic Investor ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Intrinsic Investor provides:

• Stock analysis and screening tools
• Portfolio tracking functionality
• Algorithmic trading signals
• Paper trading simulation
• Integration with third-party brokerage services (Alpaca)

3. Not Financial Advice

You should not make any investment decisions based solely on the information provided by this Service. You should conduct your own research and/or consult with a qualified financial advisor before making any investment decisions.

4. Trading Signals

The trading signals provided by Intrinsic Investor are generated by computer algorithms based on quantitative factors. These signals:

• Are not personalized investment recommendations
• May not be suitable for your financial situation
• May result in losses if followed
• Are provided "as is" without any warranty

Past performance of any trading strategy does not guarantee future results.

5. Brokerage Integration

When you connect your Alpaca brokerage account:

• We do not have access to your password
• We store API credentials securely to execute trades on your behalf
• You retain full control and can disconnect at any time
• You are responsible for reviewing and approving each trade
• Intrinsic Investor is not liable for any trading losses

6. Risk of Loss

By using the trading features of this Service, you acknowledge that:

• You understand the risks of trading
• You are trading with money you can afford to lose
• Past performance does not guarantee future results
• The algorithms may fail or produce unexpected results

7. Limitation of Liability

To the maximum extent permitted by law, Intrinsic Investor and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or data
• Trading losses
• Service interruptions
• Errors in data or analysis
• Unauthorized access to your account

8. 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:

• Provide accurate account information
• Keep your password secure
• Notify us immediately of any unauthorized access
• Not share your account with others

9. Subscription and Payment

Paid subscriptions are billed on a recurring basis. You can cancel at any time, and you will continue to have access until the end of your billing period. We offer a 7-day money-back guarantee for new subscribers.

10. Termination

We reserve the right to suspend or terminate your account at any time for violation of these terms or for any other reason. Upon termination, your right to use the Service will immediately cease.

11. Changes to Terms

We may modify these terms at any time. We will notify users of material changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the new terms.

12. Contact

If you have any questions about these Terms, please contact us at support@intrinsic-investor.com