Terms of Service

1. Acceptance of Terms

By accessing or using pocketDCF (the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the Service. Your continued use of the Service constitutes acceptance of these Terms and any future updates.

2. Not Financial Advice — Educational Use Only

pocketDCF does not provide financial, investment, legal, or tax advice. All content, valuations, signals, risk scores, and AI-generated text on this platform are produced algorithmically for educational and informational purposes only.

No information on this platform should be construed as a recommendation to buy, hold, or sell any security, nor as personalized investment advice tailored to your specific financial situation. DCF models and AI-generated narratives are illustrative models based on publicly available data and carry significant uncertainty.

Always conduct your own due diligence and consult a qualified, licensed financial advisor before making any investment decisions. Past performance does not guarantee future results.

3. Accuracy of Information

Financial data is sourced from third-party providers and may contain errors, delays, or inaccuracies. pocketDCF makes no representations or warranties, express or implied, regarding the completeness, accuracy, reliability, or fitness for any particular purpose of the information provided. You agree to use any data at your own risk.

4. Limitation of Liability

To the fullest extent permitted by applicable law, pocketDCF and its owners, operators, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or reliance on the Service, including but not limited to investment losses, lost profits, or trading decisions made based on information obtained from this platform.

5. Permitted Use

You may use the Service for lawful, personal, non-commercial purposes only. You agree not to:

• Scrape, copy, or redistribute data from the Service in bulk
• Attempt to reverse-engineer or circumvent any rate limits or security measures
• Use the Service to provide financial advisory services to third parties without appropriate licensing
• Present pocketDCF output as professional financial advice

6. Subscriptions & Payments

Premium access is available as a one-time payment processed through Stripe. All payments are final and non-refundable unless required by applicable law. By purchasing, you agree to Stripe’s Terms of Service.

7. Intellectual Property

All software, design, algorithms, and content on this platform are the intellectual property of pocketDCF. You may not copy, modify, or redistribute any part of the Service without prior written permission.

8. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. Changes to Terms

We reserve the right to update these Terms at any time. Material changes will be indicated by an updated “Last updated” date. Continued use of the Service after changes constitutes acceptance of the revised Terms.

10. Governing Law

These Terms are governed by and construed in accordance with applicable law. Any disputes arising from these Terms or your use of the Service shall be resolved in the appropriate courts of competent jurisdiction.