📄 Terms of Service – Stox.ai

1. Acceptance of Terms

By accessing or using Stox.ai, you confirm that:

• You are at least 18 years old.
• You agree to be bound by these Terms.

2. Critical Financial and Investment Disclaimers

You Acknowledge and Understand:

• No Investment Advisory Services: We are not registered with the SEC, SEBI, or any financial regulatory authority and do not provide investment advice.
• AI Limitations and Biases: Our AI models may produce errors, biases, inaccurate analysis, or incomplete information based on historical patterns.
• Your Sole Responsibility: You are entirely responsible for your own investment research, decisions, and all consequences thereof.
• Professional Consultation Mandatory: You must consult with qualified, licensed financial advisors before making any investment decisions.
• Past Performance Fallacy: Historical data, backtesting results, and past performance do not guarantee or predict future results.
• Market Risk Reality: All investments carry substantial risk of loss, including the potential loss of your entire investment.
• No Guarantees or Warranties: We make no representations about the accuracy, completeness, or timeliness of any information.
• Third-Party Data Limitations: External data sources may be delayed, inaccurate, incomplete, or discontinue service.

3. User Responsibilities and Legal Obligations

Financial and Investment Responsibilities

• Investment Decision Accountability: You acknowledge that you are solely responsible for all investment decisions and their consequences, including any losses.
• Professional Consultation Requirement: You agree to consult qualified, licensed financial professionals before making any investment decisions based on our content.
• Independent Research Obligation: You will conduct your own independent research and due diligence before making any financial decisions.
• Risk Understanding and Acceptance: You fully understand and accept all risks associated with investing and trading in financial markets.
• No Reliance on AI Analysis: You will not use our AI analysis as the sole or primary basis for investment decisions.
• Market Risk Acknowledgment: You understand that market conditions can change rapidly and that all investments carry risk of substantial loss.

Legal and Regulatory Compliance

• Lawful Use Only: Use the Service only for lawful purposes and in compliance with all applicable laws and regulations in your jurisdiction.
• Securities Law Compliance: Comply with all applicable securities laws and regulations (SEC, SEBI, etc.) in your jurisdiction.
• Anti-Money Laundering: Not use our Service for money laundering, terrorism financing, or any illegal activities.
• Tax Obligations: Fulfill all tax reporting and payment obligations related to your investments.
• Age and Capacity: You are at least 18 years old and have the legal capacity to enter into this agreement.

Platform Use Requirements

• Accurate Information: Provide accurate, current, and complete information when creating an account or using our services.
• Account Security: Maintain the confidentiality of your account credentials and immediately notify us of any unauthorized use.
• Prohibited Activities: Not engage in market manipulation, illegal trading activities, or securities fraud.
• System Integrity: Not attempt to reverse engineer, hack, or manipulate our AI models or platform systems.
• Intellectual Property Respect: Not copy, distribute, or misuse our proprietary content without permission.

4. Account and Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

5. AI Technology and Service Limitations

AI Model and Algorithm Limitations

• Historical Data Dependency: AI models are trained on historical data and may not reflect current market conditions, unprecedented events, or future trends.
• Inherent Biases and Errors: AI models may contain biases from training data, developer assumptions, or systematic limitations, potentially leading to skewed analysis.
• High Error Probability: AI-generated analysis, predictions, and recommendations may be significantly incorrect, incomplete, or misleading.
• Context Misunderstanding: AI may misinterpret context, nuance, market sentiment, or the specific circumstances of your queries.
• Prediction Impossibility: AI cannot predict future market movements, and any analysis should never be interpreted as market forecasting.
• Rapid Market Changes: Financial markets change faster than AI models can be retrained, updated, or adapted.
• Black Box Limitations: AI decision-making processes may not be fully explainable, transparent, or auditable.

Data Quality and Source Limitations

Technical System and Service Limitations

• "AS IS" and "AS AVAILABLE" Service: The Service is provided without any warranties or guarantees of availability, performance, or functionality.
• System Downtime and Failures: Technical failures, maintenance, outages, or cyber attacks may interrupt or disable service availability.
• Performance Variability: Analysis speed, quality, and availability may vary significantly based on system load, server capacity, or technical issues.
• Version and Model Changes: AI model updates, algorithm changes, or system modifications may alter analysis results without notice.
• Browser and Device Compatibility: Platform functionality may vary across different devices, browsers, or operating systems.
• Internet Dependency: Reliable, high-speed internet connection required for proper platform access and functionality.

6. Intellectual Property

All content, code, and design elements are the property of Stox.ai or its licensors. You may not copy, modify, or distribute them without permission.

7. Termination

We may suspend or terminate your account at our discretion if you violate these Terms.

8. Comprehensive Limitation of Liability

Complete Exclusion of Investment-Related Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Stox.AI, Global Predictions Inc., and our respective affiliates, subsidiaries, officers, directors, employees, agents, partners, contractors, and licensors SHALL NOT BE LIABLE FOR:

Comprehensive Damage Exclusions

We shall not be liable for ANY direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Financial and Investment Losses: Any losses from investments, trading, or financial decisions made using our platform
• Opportunity Costs: Profits or gains you might have made with different investment decisions
• Data and Information Issues: Losses due to incorrect, delayed, incomplete, or unavailable data
• Technology Failures: System outages, technical malfunctions, or service interruptions
• Third-Party Problems: Issues with brokers, exchanges, data providers, or other third-party services
• Business Impact: Loss of business, revenue, profits, use, data, goodwill, or other intangible losses
• Legal and Professional Costs: Attorney fees, professional consultation costs, or other legal expenses
• Emotional Distress: Mental anguish, emotional distress, or psychological harm

Your Acknowledgment and Risk Acceptance

9. Comprehensive User Indemnification

Complete Indemnification Agreement

You agree to defend, indemnify, and hold harmless Stox.AI, Global Predictions Inc., and our respective affiliates, subsidiaries, officers, directors, employees, agents, partners, contractors, licensors, and service providers from and against ANY and ALL claims, damages, obligations, losses, liabilities, costs, debt, and expenses (including but not limited to reasonable attorney's fees and legal costs) arising from:

Indemnification Scope and Process

• Defense Obligation: You will provide and pay for legal defense against any covered claims
• Settlement Authority: We may settle any claims at your expense if we deem it appropriate
• Cooperation Required: You will cooperate fully with our defense of any claims
• Notice Requirements: We will promptly notify you of any claims requiring indemnification
• Survival Clause: This indemnification obligation survives termination of your account and these Terms

10. Governing Law and Dispute Resolution

Governing Law

These Terms of Service and any disputes arising from or relating to the Service shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of laws principles. This choice of law applies regardless of your location or residence.

Mandatory Arbitration Agreement

Arbitration Details

• Arbitration Organization: All disputes will be resolved through binding arbitration administered by JAMS (Judicial Arbitration and Mediation Services)
• Applicable Rules: Arbitration will be conducted under JAMS Comprehensive Arbitration Rules and Procedures
• Arbitrator Selection: One arbitrator with relevant legal and financial industry experience
• Location: Arbitration will take place in Delaware, USA, or via videoconference at arbitrator's discretion
• Language: All proceedings will be conducted in English
• Costs: Each party pays their own attorney fees; arbitration costs split equally unless arbitrator orders otherwise

Class Action and Representative Action Waiver

Limited Exceptions to Arbitration

The following disputes may be brought in court rather than arbitration:

• Small Claims Court: Disputes that qualify for small claims court in your jurisdiction
• Intellectual Property Claims: Claims for trademark, copyright, or patent infringement
• Injunctive Relief: Requests for injunctive or equitable relief to protect intellectual property
• Regulatory Proceedings: Investigations or proceedings by government regulatory agencies

Jurisdiction for Court Proceedings

For any legal proceedings that cannot be arbitrated, you agree that:

• Exclusive Jurisdiction: Any lawsuits shall be brought exclusively in the federal or state courts located in Delaware, USA
• Personal Jurisdiction: You consent to personal jurisdiction in Delaware courts
• Venue: You waive any objections to venue in Delaware courts
• Service of Process: You consent to service of process by any means authorized by Delaware law

International Users and Regulatory Compliance

11. Changes to Terms

We may update these Terms from time to time. Continued use of the Service after updates means you accept the revised Terms.

12. Additional Policies

Please review our additional policies:

• Shipping Policy
• Cancellation & Refunds

14. Regulatory Compliance and Registration Status

Regulatory Compliance Obligations and Rights

If regulatory authorities determine that our Service requires registration, licensing, or additional compliance measures, we reserve the right to:

• Service Modifications: Modify our Service features, content, or functionality to comply with regulatory requirements
• Geographic Restrictions: Restrict access to certain features, content, or services in specific jurisdictions
• User Verification: Require additional user verifications, disclosures, or compliance documentation
• Service Termination: Suspend or terminate the Service in jurisdictions where compliance is not feasible
• Registration Compliance: Register with appropriate authorities and modify our Service accordingly

International Users and Local Law Compliance