Terms of Service & Disclaimer

Last Updated: November 18, 2025

Acceptance of Terms

Welcome to MarketPulse AI. By accessing or using our website, mobile application, or any related services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). These Terms constitute a legally binding agreement between you and MarketPulse AI.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

COMPREHENSIVE INVESTMENT DISCLAIMER

NOT FINANCIAL ADVICE

ALL CONTENT PROVIDED ON MARKETPULSE AI IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NOTHING ON THIS WEBSITE CONSTITUTES FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE.

We Are NOT Registered Advisors

We are NOT registered investment advisors (RIAs) with the Securities and Exchange Commission (SEC) or any state securities regulator
We are NOT licensed financial advisors, planners, or consultants
We are NOT broker-dealers registered with FINRA or any regulatory authority
We are NOT certified public accountants or tax advisors
We do NOT provide personalized investment recommendations tailored to your specific financial situation

All Investments Carry Risk

INVESTING IN SECURITIES INVOLVES SUBSTANTIAL RISK OF LOSS. You may lose some or all of your invested capital. Risk factors include but are not limited to:

Market Risk: Overall market declines can affect all securities
Volatility Risk: Prices can fluctuate dramatically, especially in short-term periods
Company-Specific Risk: Individual companies may fail or underperform
Economic Risk: Recessions, inflation, and economic downturns
Liquidity Risk: Inability to sell securities quickly at fair prices
Currency Risk: Foreign exchange fluctuations for international investments
Interest Rate Risk: Changes in interest rates affecting security values
Political and Regulatory Risk: Government actions and policy changes
Cybersecurity Risk: Data breaches and technology failures
Black Swan Events: Unexpected global events (pandemics, wars, natural disasters)

Past Performance Does NOT Indicate Future Results

Any historical returns, performance data, or statistics presented on our Service are for illustrative purposes only. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. Securities that have performed well in the past may perform poorly in the future. Do not rely on historical performance as a predictor of future returns.

AI-Generated Content Limitations

Our content is generated by artificial intelligence systems and subject to significant limitations:

May contain errors, inaccuracies, or outdated information
May exhibit biases inherited from training data
May miss important context or nuanced market dynamics
Is not reviewed or approved by human financial experts
Should never be the sole basis for any investment decision

Not Liable for Losses

WE ARE NOT LIABLE FOR ANY INVESTMENT LOSSES, FINANCIAL DAMAGES, OR ADVERSE CONSEQUENCES ARISING FROM YOUR USE OF OUR SERVICE OR RELIANCE ON ANY INFORMATION PROVIDED.

This includes but is not limited to: direct losses, indirect losses, consequential damages, loss of profits, loss of opportunity, emotional distress, or any other damages of any kind.

YOU MUST CONSULT QUALIFIED PROFESSIONALS

Before making ANY investment decision, you MUST:

Consult with a licensed, qualified financial advisor who understands your specific situation
Conduct your own thorough research and due diligence
Understand your personal risk tolerance and investment goals
Consider your financial circumstances, time horizon, and liquidity needs
Seek legal advice regarding legal implications
Consult a tax professional regarding tax consequences

YOU ARE SOLELY RESPONSIBLE FOR YOUR OWN INVESTMENT DECISIONS AND THEIR OUTCOMES.

No Warranty - "AS IS" Service

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. We expressly disclaim all warranties, including but not limited to:

Warranties of Merchantability: We do not warrant that the Service is suitable for any particular purpose
Warranties of Fitness for a Particular Purpose: We do not warrant that the Service will meet your specific requirements
Warranties of Non-Infringement: We do not warrant that the Service does not infringe third-party rights
Warranties of Accuracy: We do not warrant the accuracy, completeness, or reliability of any content
Warranties of Availability: We do not warrant that the Service will be uninterrupted, timely, secure, or error-free
Warranties of Data Quality: We do not warrant that market data is real-time, current, or free from errors

You use the Service at your own risk. We make no guarantees regarding results, performance, or outcomes.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MARKETPULSE AI, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS SHALL NOT BE LIABLE FOR:

Investment losses or financial damages of any kind, whether based on contract, tort, strict liability, or otherwise
Indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, revenue, data, or business opportunities
Damages arising from your reliance on any information, analysis, or recommendations provided through the Service
Damages resulting from errors, omissions, or inaccuracies in content or data
Damages from service interruptions, downtime, or technical failures
Damages from unauthorized access to your data or account
Damages from third-party actions or content

This limitation applies even if we have been advised of the possibility of such damages and regardless of whether a remedy fails of its essential purpose.

In jurisdictions that do not allow the exclusion or limitation of liability for consequential or incidental damages, our liability shall be limited to the maximum extent permitted by law.

Intellectual Property Rights

All content on the Service, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, AI-generated analysis, and the compilation thereof (collectively, the "Content"), is the exclusive property of MarketPulse AI or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

Restrictions on Use

You may NOT, without our express written permission:

Reproduce, duplicate, copy, or republish any Content
Sell, rent, lease, license, or distribute any Content
Modify, create derivative works, or reverse engineer any Content
Use automated systems (bots, scrapers, crawlers) to access or download Content
Remove copyright notices, trademarks, or other proprietary markings
Frame or mirror any portion of the Service
Use Content for commercial purposes without authorization

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes only, subject to these Terms.

User Conduct and Prohibited Activities

You agree NOT to engage in any of the following prohibited activities:

Illegal and Harmful Activities

Use the Service for any illegal purpose or in violation of any laws or regulations
Transmit any viruses, malware, trojans, or other malicious code
Engage in any activity that could harm, disable, or impair the Service
Attempt to gain unauthorized access to any systems or networks
Interfere with or disrupt the Service or servers

Abusive Behavior

Harass, threaten, intimidate, or abuse other users
Post false, misleading, or defamatory content
Impersonate any person or entity or misrepresent your affiliation
Collect or store personal information about other users

Market Manipulation

Engage in market manipulation, pump-and-dump schemes, or fraudulent trading practices
Post content intended to manipulate stock prices
Coordinate with others to artificially influence markets

Spam and Exploitation

Post spam, advertisements, or unsolicited promotional content
Use automated systems to create accounts or generate content
Exploit bugs, glitches, or vulnerabilities for personal gain

Third-Party Links and Content

Our Service may contain links to third-party websites, services, resources, or content not owned or controlled by MarketPulse AI. These links are provided for your convenience only.

We have no control over and assume no responsibility for:

The content, privacy policies, or practices of any third-party sites
The accuracy or reliability of third-party information
Any products, services, or investments offered by third parties
Any damages or losses caused by third-party content or services

Your interactions with third-party websites and services are solely between you and the third party. We strongly recommend reviewing the terms and privacy policies of any third-party sites you visit.

Data Accuracy and Timeliness

Market data displayed on our Service may be delayed and should not be considered real-time.

Stock prices may be delayed by 15 minutes or more
Data is sourced from third-party providers and may contain errors
We do not guarantee the accuracy, completeness, or timeliness of any data
Company information and financial metrics may be outdated
News and articles may not reflect the latest developments

Always verify critical information with official sources before making decisions. Consult real-time data from your broker or authorized market data provider.

Indemnification

You agree to indemnify, defend, and hold harmless MarketPulse AI, its parent company, subsidiaries, affiliates, partners, officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, damages, obligations, losses, liabilities, costs, debt, and expenses (including attorney's fees) arising from:

Your use of or access to the Service
Your violation of these Terms
Your violation of any third-party rights, including intellectual property or privacy rights
Any investment decisions you make based on information from the Service
Any content you submit or post through the Service
Your negligence or willful misconduct

This indemnification obligation will survive termination of these Terms and your use of the Service.

Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in California, and you hereby consent to personal jurisdiction and venue therein.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect.

Changes to These Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. Material changes will be notified through:

Posting the updated Terms on this page
Updating the "Last Updated" date
Sending email notifications (for significant changes)
Displaying prominent notices on the Service

Your continued use of the Service after any changes constitutes acceptance of the new Terms.If you do not agree to the new Terms, you must stop using the Service immediately.

Contact Information

If you have any questions about these Terms or our Disclaimer, please contact us:

Legal Inquiries: legal@marketpulse-ai.com
General Support: garrett.collett@caghousing.com
Website: marketpulse-ai.com

FINAL ACKNOWLEDGMENT

By using MarketPulse AI, you explicitly acknowledge and agree that:

You have read, understood, and agree to be bound by these Terms and Disclaimer
You understand that we are NOT financial advisors and do NOT provide investment advice
You understand that all investments carry substantial risk and you may lose money
You understand that past performance does NOT indicate future results
You are solely responsible for your own investment decisions and their consequences
You will consult qualified professionals before making any investment decisions
We are NOT liable for any losses or damages arising from your use of the Service

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THIS SERVICE.