Terms of Service - Model Opinions

1. Acceptance of Terms

By accessing or using Model Opinions ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, you must not use the Service.

2. Description of Service

Model Opinions is an AI-powered stock analysis platform. The Service collects publicly available financial data, regulatory filings, and news, then uses large language models (LLMs) to generate probabilities, volatility metrics, scenarios, and qualitative assessments for publicly traded securities.

The Service is provided for informational and educational purposes only. It does not provide financial advice, investment recommendations, or any form of professional advisory service.

3. AI-Generated Content Disclaimer

All analysis on Model Opinions is generated by artificial intelligence and is NOT financial advice.

AI-generated opinions may be inaccurate, incomplete, or outdated. Models can produce errors, hallucinate facts, or misinterpret data.
Probabilities, scenarios, and volatility metrics are model-generated estimates, not guarantees of future performance.
Past information or modelled scenarios are not reliable indicators of future results.
The Service does not consider your personal financial situation, risk tolerance, or investment objectives.
You should always consult a qualified financial advisor before making any investment decisions.

By using the Service, you acknowledge that you understand these limitations and accept full responsibility for any investment decisions you make.

4. User Accounts

You may create an account to access additional features such as watchlists and access to AI-generated stock analysis. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You may delete your account at any time through your account settings. Account deletion is permanent and removes all associated data.

5. Acceptable Use

You agree not to:

Use the Service for any unlawful purpose or in violation of applicable regulations.
Attempt to reverse-engineer, scrape, or systematically extract data from the Service beyond normal use.
Redistribute AI-generated opinions or analysis commercially without prior written consent.
Misrepresent AI-generated content as professional financial advice.
Interfere with or disrupt the Service or its infrastructure.

6. Intellectual Property

The Service, including its design, code, and AI-generated content, is the property of Model Opinions and its licensors. You may view and use AI-generated opinions for personal, non-commercial purposes. You may not reproduce, distribute, or create derivative works from the Service without permission.

7. Limitation of Liability

To the maximum extent permitted by law, Model Opinions and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to financial losses from investment decisions influenced by AI-generated content.

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. You may stop using the Service and delete your account at any time.

9. Changes to Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page. Continued use of the Service after changes constitutes acceptance of the revised Terms.

10. Governing Law

These Terms shall be 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 the jurisdiction in which Model Opinions operates.

11. Contact

If you have questions about these Terms, please contact us at legal@modelopinions.com.