Terms of Service

1The agreement and who we are#

1.1These Terms of Service ("Terms") are a binding agreement between you and the operator of the app you use, and they govern your use of the Insider Stock Trader mobile applications for Android and for iPhone and iPad, their alerts and related websites (together, the "Service"):

• if you got the Android app from Google Play, the operator is CallistoVentures;
• if you got the iPhone and iPad app from the App Store, the operator is Roman Balkan FOP, an individual entrepreneur registered in Ukraine.

"We", "us" and "our" mean that operator. Their addresses and contact details are in section 20.

1.2By creating an account, buying a subscription or otherwise using the Service, you confirm that you have read and agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2Definitions#

• "Account" means the personal account you create to use the Service.
• "Content" means the information the Service displays, including trade summaries, scores, charts, alerts and digests.
• "SEC Filings" means statements of changes in beneficial ownership on SEC Form 4 and Form 4/A, published by the U.S. Securities and Exchange Commission (the "SEC") on its EDGAR system.
• "Store" means Google Play, from which you get the Android app, or the Apple App Store, from which you get the iPhone and iPad app.
• "Subscription" means paid access to the Service purchased through Google Play or the Apple App Store.

3Information only, not advice#

3.1The Service presents information derived from public SEC Filings: transactions that company officers, directors and significant shareholders report in the securities of their own companies. It explains those filings in plain language, ranks open-market purchases with an indicative "signal strength" score, shows charts of what happened to share prices after past filings, and sends alerts based on criteria you choose.

3.2Information only, not investment advice. Nothing in the Service is investment, financial, legal or tax advice, or a recommendation, solicitation or offer to buy or sell any security. Scores and alerts are mechanical summaries of public data, applied in the same way to every filing. Charts of past results show what happened in the past; they are not a prediction of what will happen. Insiders trade for many reasons that are unrelated to a company's prospects.

3.3Insider Stock Trader is an information app, not a broker. We are not a broker-dealer, investment adviser, bank or other financial institution, and we are not registered as one with any regulator. The Service does not execute trades, route orders, hold money or securities, or manage portfolios.

3.4The Service is a general publication. Every subscriber receives the same impersonal information, drawn from public filings and published on a regular schedule as filings arrive. It is not tailored to your finances, objectives or circumstances, and we do not advise any person on whether to buy, sell or hold a particular security. We provide no investment services or activities within the meaning of the EU Markets in Financial Instruments Directive (MiFID II) or the UK equivalent, and we owe you no fiduciary duty.

3.5No company, insider or broker pays us to show, rank or send alerts about any filing. The Service uses no artificial intelligence to produce Content.

3.6You alone are responsible for your investment decisions. Investing involves risk, including the loss of the money you invest. Consider consulting a qualified, independent professional before making investment decisions.

4Eligibility: 18 or over#

You must be 18 or over, and able to enter into a binding contract under the law that applies to you, to use the Service. The Service is not directed to children. By using the Service you confirm that you meet these requirements and that your use complies with the laws of the country you live in.

5Your Account#

5.1You may sign in with your Google account, with your Apple Account (Sign in with Apple) or with your email address and a 6-digit code, in either app. Sign-ins with the same verified email address belong to the same Account, and you can link another sign-in method in Settings → Sign-in methods. You must give accurate information and keep it up to date.

5.2You are responsible for keeping access to your Google account, Apple Account and email secure and for all activity under your Account. Accounts are personal: you may hold one Account and must not share, sell or transfer it.

5.3Tell us without delay at contact@callisto.ventures if you believe someone has used your Account without your permission.

5.4You can delete your Account at any time in the app or by email, as described on the Delete your account page.

6Subscriptions and billing#

6.1A subscription is required to use Insider Stock Trader. There is no free trial.

6.2Subscriptions are sold on yearly, monthly or weekly terms, in the Android app through Google Play and in the iPhone and iPad app through the Apple App Store. You are billed by the Store you subscribed in, and that Store's terms apply to the payment. The price is shown in Google Play or the App Store before you subscribe. It includes any applicable taxes, there are no other fees, and you confirm the purchase there.

6.3One Subscription for both apps. One Subscription unlocks the Service in both the Android app and the iPhone and iPad app when you sign in to the same Account. It stays with the Store you subscribed in, and you manage, cancel and request refunds for it there, whichever app you use.

6.4Automatic renewal. Your Subscription renews automatically at the end of each billing period, for the same period and at the then-current price, unless you cancel it at least 24 hours before the period ends. The Store charges the renewal to the payment method of your Google Play or Apple Account.

6.5Cancellation. Cancel anytime in the Store you subscribed in. For Google Play, cancel in Google Play → Payments & subscriptions → Subscriptions; for the App Store, cancel on your iPhone or iPad in Settings → your name → Subscriptions. After cancellation you keep access until the end of the period you have already paid for. Deleting your Account or uninstalling the app does not cancel a Subscription in either Store.

6.6Refunds. Refunds for Google Play purchases are handled by Google Play under its refund policies. Refunds for App Store purchases are handled by Apple under its policies, and you request them from Apple at https://reportaproblem.apple.com; we cannot issue App Store refunds ourselves. Our Refund Policy explains how to ask. This does not affect any refund or withdrawal rights you have under mandatory consumer protection law.

6.7Price changes. We may change Subscription prices for future billing periods. Your Store will tell you in advance and, where its rules or the law require, ask for your agreement. You may cancel before the new price applies.

7Data sources and accuracy#

7.1Content is derived from SEC Filings that we retrieve from EDGAR. Where the app shows charts of past results, they are computed from end-of-day market prices supplied by a licensed market-data provider, and that provider's data may also be delayed or contain errors. Filers may report late, incompletely or incorrectly, and may later amend their filings. EDGAR may be delayed or unavailable.

7.2We work to process filings promptly and accurately (see our Transparency page), but Content is provided as we receive it. It may be delayed, incomplete or contain errors, and we do not promise that it is complete, accurate, current or available at any particular time. Before relying on any information, check it against the original filing linked in the app.

7.3Not affiliated with or endorsed by the U.S. Securities and Exchange Commission. The SEC does not sponsor the Service.

8Alerts#

Alerts depend on your device, its settings, your connection and the push services of Google and Apple. They may arrive late or not at all, and quiet hours and digest settings delay them on purpose. Do not rely on an alert as your only source of information. You can turn alerts off at any time in the app or in your phone's settings.

9Acceptable use#

You agree not to:

• copy, scrape, crawl, harvest or systematically download Content, or access the Service by automated means;
• resell, redistribute, publish or commercially exploit Content or alerts, including by forwarding them to third parties as a service or feeding them into another product;
• share your Account or Subscription, or get around any access or payment control;
• reverse engineer, decompile or interfere with the Service, its servers or its security, except where the law allows this despite these Terms;
• use the Service in breach of any law, including securities laws, or to mislead others.

SEC Filings themselves are public, and you can get them from SEC.gov at any time. These limits apply to the Service and to Content as we present it.

10Intellectual property#

10.1The Service, including its software, design, text, scoring method, its own logos and the Insider Stock Trader name, belongs to us or our licensors and is protected by intellectual property laws. Open-source components and fonts are used under their own licences (see Credits and licences).

10.2Subject to these Terms and an active Subscription, we grant you a personal, limited, non-exclusive, non-transferable and revocable licence to use the Service for your own non-commercial purposes.

10.3If you send us ideas or feedback, we may use them to improve the Service without any obligation to you.

10.4Company names and logos shown in the Service are trademarks of their respective owners. They are shown only to identify the companies; their use implies no affiliation with, or endorsement by, those owners.

11Third-party services#

The Service relies on third parties, including Google Play (distribution and billing of the Android app), Apple (distribution and billing of the iPhone and iPad app through the App Store, Sign in with Apple, and push notifications through Apple Push Notification service), Google Firebase (notifications and diagnostics), RevenueCat (subscription management), Brandfetch (company logos) and our hosting providers. Their own terms and privacy policies apply to their services. Links to SEC.gov and other external sites are provided for convenience; we are not responsible for their content.

12Suspension and termination#

12.1You may stop using the Service and delete your Account at any time.

12.2We may suspend or end your access, with notice where reasonably possible, if you materially breach these Terms, if the law requires it, or to protect the Service or other users. We may also discontinue the Service. If we do, we will give reasonable notice in the app, stop renewals and, where required, arrange refunds of prepaid Subscription fees through Google Play or, for App Store purchases, refer you to Apple's refund process.

12.3Sections 3, 7, 10, 13, 14, 15, 17 and 19 survive termination.

13Disclaimers#

To the fullest extent permitted by law, the Service and all Content are provided "as is" and "as available", without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, timeliness and non-infringement. If you are a consumer, this does not affect the statutory rights you have where the Service is not as described or not of satisfactory quality.

14Limitation of liability#

14.1To the fullest extent permitted by law, we are not liable for any investment decision, trading loss or lost profit arising from your use of, or reliance on, the Service or Content, or for any indirect, incidental, special or consequential damages.

14.2To the fullest extent permitted by law, our total liability for all claims relating to the Service is limited to the Subscription fees you paid in the 12 months before the event giving rise to the claim.

14.3Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, such as liability for death or personal injury caused by negligence, for fraud, or for gross negligence or intentional misconduct, or any rights you have as a consumer under mandatory law.

15Indemnity#

To the extent the law allows, you will compensate us for reasonable losses and costs arising from a third-party claim caused by your breach of section 9 (acceptable use) or your breach of the law when using the Service. If you are a consumer, this applies only where you are at fault.

16Changes#

16.1We may change or improve the Service. We will not remove a core feature you have paid for during your current billing period without a fair reason and notice.

16.2We may update these Terms from time to time. We will post the updated version on this page with a new date and, for material changes, notify you in the app at least 14 days before they take effect. If you continue to use the Service after that date, you accept the updated Terms; if you do not agree, you may cancel your Subscription and delete your Account.

17Governing law and disputes#

These terms are governed by the laws of Ukraine.

Before starting any formal proceedings, please contact us so we can try to resolve the matter informally. If you are a consumer, you also keep the protection of the mandatory laws of your country of residence and may bring proceedings in its courts. Nothing in these terms limits rights you have under consumer protection law.

18App Store terms#

This section applies to copies of the app you get from the Apple App Store, in addition to the rest of these Terms. Your licence to use the app itself is also governed by Apple's Licensed Application End User License Agreement (the standard EULA). Where this section conflicts with another section, this section applies to those copies.

18.1Acknowledgement. These Terms are concluded between you and Roman Balkan FOP only, and not with Apple Inc. ("Apple"). Roman Balkan FOP, not Apple, is solely responsible for the app and its content.

18.2Scope of licence. The licence in section 10 is, for these copies, a non-transferable licence to use the app on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the app may be accessed and used by other accounts associated with you through Family Sharing or volume purchasing. A Subscription stays tied to the Account that holds it (section 5.2).

18.3Maintenance and support. Roman Balkan FOP is solely responsible for providing any maintenance and support services for the app, as set out in these Terms or as required by applicable law. Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the app.

18.4Warranty. Roman Balkan FOP is solely responsible for any product warranties, whether express or implied by law, to the extent they are not effectively disclaimed. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the app (if any) to you. To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the app, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty are the responsibility of Roman Balkan FOP, to the extent these Terms and applicable law provide.

18.5Product claims. Roman Balkan FOP, not Apple, is responsible for addressing any claims by you or any third party relating to the app or your possession and use of it, including: (a) product liability claims; (b) any claim that the app fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy or similar legislation.

18.6Intellectual property rights. If a third party claims that the app, or your possession and use of it, infringes that third party's intellectual property rights, Roman Balkan FOP, not Apple, is solely responsible for the investigation, defence, settlement and discharge of that claim.

18.7Legal compliance. You represent and warrant that (a) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.

18.8Developer contact. Questions, complaints or claims about the app should be directed to Roman Balkan FOP at the contact details in section 20.

18.9Third-party terms. When you use the app, you must comply with applicable third-party terms of agreement, such as your mobile data service agreement.

18.10Third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms. Once you accept these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

19General#

If any provision of these Terms is held unenforceable, the remaining provisions stay in effect. Our failure to enforce a provision is not a waiver of it. We are not responsible for delays or failures caused by events beyond our reasonable control, such as outages of EDGAR, of the app stores or of our providers, war or natural disasters. You may not assign these Terms without our consent; we may assign them in connection with a reorganisation or transfer of the Service, and this will not reduce your rights. These Terms, together with the Privacy Policy, are the entire agreement between you and us about the Service. These Terms are written in English, and we may send you notices in the app or by email.

20About us and contact#

Google Play operator

CallistoVentures, John Lennon 1, Lviv 79079, Ukraine

App Store operator

Roman Balkan FOP, an individual entrepreneur registered in Ukraine, John Lennon 1, Lviv 79079, Ukraine

Email

contact@callisto.ventures