Terms of Service

1. Acceptance of These Terms

By accessing or using OreStocks.com and any associated websites, applications, dashboards, APIs, tools, alerts, emails, or other services (collectively, the "Services"), you agree to be bound by these Terms of Service (the "Terms") and our Privacy Policy. If you create an account or log in, you will see: "By clicking continue, you agree to our Terms of Service and Privacy Policy." If you do not agree, do not access or use the Services.

We may update these Terms from time to time. When we make material changes, we will post the updated Terms and revise the Effective Date above. Your continued use of the Services constitutes acceptance of the updated Terms.

These Terms apply globally. Additional written agreements (e.g., a master services agreement) prevail over these Terms to the extent of any express conflict.

2. Description of the Services

The Services provide online information and analytics. We collect, organize, and present content from public disclosures, licensed vendors, and other lawful sources, and may transform such content through software and automation for your internal use.

Any references to capabilities on the site are illustrative and non‑contractual. We may add, change, or remove functionality at any time.

3. Eligibility & Accounts

• Age and Authority. You must be at least the age of majority in your jurisdiction to use the Services. If you use the Services on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.
• Account Security. You are responsible for all activity under your account and for maintaining the confidentiality of your credentials. Notify us promptly at info@orestocks.com of any suspected unauthorized access.
• Accurate Information. You agree to provide accurate, complete, and up‑to‑date information, including for billing and tax purposes where applicable.

4. No Investment or Professional Advice; No Offer

All content available through the Services—including data, analytics, summaries, comparisons, ratings or scores, badges or indicators, commentary, and any automated or AI‑generated outputs—is for informational and educational purposes only. It is not investment, financial, legal, tax, accounting, or other professional advice, and not an offer, solicitation, recommendation, endorsement, or opinion to buy, sell, or hold any security or financial instrument. We are not a broker‑dealer or investment adviser and do not provide regulated research. You are solely responsible for your decisions and should independently verify information and consult qualified professionals.

5. Data Sources, Accuracy & Automated Processing

• Sources & Timeliness. Content may be obtained from third parties and public disclosures and may be delayed, incomplete, erroneous, misclassified, or outdated. Forward‑looking statements are subject to risks and uncertainties.
• Transformations. Data may be extracted, classified, summarized, compared, or scored using software, rules, and models that can misinterpret context or omit material facts. Automated and AI outputs can be wrong.
• Traceability. Where feasible, we provide citations or references to underlying sources; absence of a citation does not guarantee accuracy.
• No Duty to Update. We may, but are not obligated to, update any content. Information may change without notice.

6. Sponsored Content & Advertising

The Services may include paid or sponsored content, which will be clearly labeled (e.g., "Sponsored," "Promoted," or similar). Sponsored content does not constitute an endorsement or recommendation. Sponsors are responsible for the accuracy and legality of their materials. We may decline or remove sponsorships at our discretion.

7. Subscriptions, Trials, Billing & Taxes

• Plans & Fees. Some or all of the Services may require a paid subscription. Prices, features, and limits may be described at sign‑up or in your account. Fees are billed in advance and are non‑refundable except as required by law or expressly stated otherwise.
• Auto‑Renewal. Subscriptions auto‑renew for successive terms (e.g., monthly or annually) unless you cancel before the renewal date via your account settings or by contacting support. You authorize us and our payment processors to store your payment method and automatically charge fees, applicable taxes, and any overage charges.
• Trials & Promotions. If you enroll in a free or discounted trial, you will be charged at the regular rate when the trial ends unless you cancel beforehand.
• Price Changes. We may change prices prospectively for your next renewal, with prior notice where required. If you do not agree, cancel before the change takes effect.
• Refunds. Except where prohibited by law or explicitly promised by us in writing, fees are non‑refundable and no credits are issued for partial periods, downgrades, or unused Services.
• Consumer Rights. You may have mandatory consumer rights under the laws of your jurisdiction (e.g., withdrawal or cooling‑off periods for digital services). We will honor such rights where they apply.

8. Acceptable Use

You agree not to:

1. Scrape, harvest, or bulk‑download the Services or content by robot, spider, crawler, or other automated means without our prior written consent.
2. Resell, redistribute, frame, mirror, or publicly display the Services or substantial portions of content, except as permitted by written agreement.
3. Reverse engineer, decompile, or otherwise attempt to derive source code of the Services or models, except to the extent allowed by applicable law.
4. Circumvent security, access controls, rate limits, or usage caps; or probe, scan, or test the vulnerability of any system or network.
5. Upload or transmit malware or otherwise interfere with the proper working of the Services.
6. Use the Services to generate or disseminate unlawful content, personal data in violation of privacy laws, or material that is defamatory, deceptive, infringing, or otherwise unlawful.
7. Use outputs to train models or build substantially similar services that compete with OreStocks, except with our prior written consent.
8. Misrepresent sponsorships or endorsements, or remove/obscure source attributions.

We may set fair‑use thresholds, request usage justifications, and suspend or terminate accounts for abuse or violations.

9. Intellectual Property; License; Feedback

• Ownership. The Services—including software, designs, data selection/arrangement, models, UI, documentation, and trademarks—are owned by us or our licensors and protected by law.
• Limited License. Subject to these Terms, we grant you a limited, revocable, non‑exclusive, non‑transferable license to access and use the Services for your internal purposes. All rights not expressly granted are reserved.
• No Derivative Databases. Creating or distributing a derivative database from substantial parts of the Services is prohibited without our written consent.
• Feedback. If you provide ideas or suggestions, you grant us a perpetual, irrevocable, worldwide, royalty‑free license to use them without restriction or compensation.

10. User Content (if enabled)

If forum or community features are available, you retain ownership of your posts and grant us a worldwide, non‑exclusive, royalty‑free license to host, display, and distribute your content to operate and improve the Services. You represent that your content does not violate law or third‑party rights. We may remove content that violates these Terms.

11. APIs, Integrations & Third‑Party Services

Use of any API, webhook, or integration is subject to these Terms and any additional documentation or usage limits we publish. Third‑party services (e.g., identity, payments, data vendors) are provided by their respective owners and governed by their terms. We are not responsible for third‑party services and do not control their content or availability.

12. Privacy & Cookies

Your use of the Services is governed by our Privacy Policy and Cookie Policy.

13. Availability; Changes; Beta/Labs

We may modify, suspend, or discontinue any part of the Services at any time, including for maintenance, security, or legal reasons. Features labeled Beta, Labs, or similar are experimental, may be inaccurate or unavailable, and are provided as‑is with no commitments or support.

14. Disclaimers

To the maximum extent permitted by law, the Services are provided "as is" and "as available." We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non‑infringement, accuracy, timeliness, and reliability. We do not warrant that the Services will be error‑free, uninterrupted, secure, or that defects will be corrected, or that content is accurate or complete. You use the Services at your own risk and must independently verify information before relying on it.

15. Limitation of Liability

To the maximum extent permitted by law, OreStocks and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenues, data, goodwill, or business opportunities, arising out of or related to the Services or these Terms, even if advised of the possibility of such damages.

Our aggregate liability for all claims arising out of or related to the Services shall not exceed the greater of: (a) the amounts you paid to us for the Services in the twelve (12) months preceding the event giving rise to the liability, or (b) EUR €100. Some jurisdictions do not allow certain exclusions or limitations; in those cases, our liability will be limited to the maximum extent permitted by law. Nothing in these Terms excludes liability that cannot be excluded under applicable law (e.g., for fraud or willful misconduct).

16. Indemnification

You will defend, indemnify, and hold harmless OreStocks and its affiliates, officers, employees, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Services; (b) your content or data; (c) your breach of these Terms; or (d) your violation of law or third‑party rights.

17. Export, Sanctions & Restricted Jurisdictions

You represent that you are not located in, organized in, or a resident of any country or territory subject to comprehensive sanctions, and you are not a denied or restricted party under applicable export control or sanctions laws. You will not use the Services for any prohibited end‑use.

18. Termination & Suspension

We may suspend or terminate your access immediately for any violation of these Terms, suspected fraud, security risk, non‑payment, or legal/regulatory reasons. You may cancel your subscription at any time via your account settings; cancellation is effective at the end of your current term unless otherwise stated. Upon termination, your license ends and you must cease using the Services. Sections intended to survive (including IP, disclaimers, limitations of liability, indemnities, and governing law) will survive.

19. Governing Law & Dispute Resolution (General)

These Terms are governed by the laws of Sweden, without regard to conflict‑of‑laws principles. Exclusive venue for disputes is the courts of Sweden, and you consent to personal jurisdiction there. However, for users in the United States or Canada, the specific dispute‑resolution terms in Section 22 apply and control in the event of conflict.

20. Notices of Alleged Infringement

If you believe content on the Services infringes your rights, please email info@orestocks.com with: (a) your contact details; (b) identification of the material claimed to be infringing; (c) a statement of your good‑faith belief; and (d) a statement under penalty of perjury that the information is accurate and you are authorized to act. We may remove content at our discretion and/or as required by law.

21. Miscellaneous

• Entire Agreement. These Terms and any referenced policies are the entire agreement between you and us regarding the Services.
• Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign or delegate at our discretion.
• Severability. If any provision is held invalid, the remainder remains in effect.
• No Waiver. Failure to enforce a provision is not a waiver.
• Force Majeure. We are not responsible for delays or failures due to events beyond our reasonable control.
• Headings. Headings are for convenience only.

22. US & Canada Addendum (Marketing, Subscriptions & Disputes)

This US & Canada Addendum applies when: (i) you reside in, are established in, or access the Services from the United States or Canada; or (ii) we market or offer the Services to audiences in the United States or Canada. It supplements and, where expressly stated, controls over the Terms in case of conflict.

22.1 Marketing, Sponsorships & Securities‑Law Disclosures

• Informational Only. All content is for informational and educational purposes only and does not constitute investment, financial, legal, tax, accounting, or other professional advice; nor an offer, solicitation, recommendation, endorsement, or opinion to buy, sell, or hold any security or financial instrument. You are solely responsible for your decisions and should independently verify information and consult qualified professionals.
• Compensated Content. Where we publish sponsored, promoted, or paid materials relating to an issuer or security, we will clearly label such materials and, where required by law, disclose the identity of the sponsor/promoter and the amount and nature of any compensation. We intend to comply with applicable US federal securities laws (including Section 17(b) of the Securities Act) and analogous Canadian securities laws and stock‑exchange policies regarding promotional or compensated communications.
• No Performance Claims. We do not guarantee performance, outcomes, or results. Past performance is not indicative of future results.

22.2 Auto‑Renewal & Negative‑Option Disclosures (Subscriptions)

The Section on Subscriptions, Trials, Billing & Taxes applies with these clarifications:

1. Clear Terms & Consent. Before purchase, we present key auto‑renewal terms (price, renewal frequency, how to cancel). Completing the purchase constitutes affirmative consent.
2. Post‑Purchase Acknowledgment. We send an acknowledgment (e.g., email) with key terms and how to cancel (see 22.2(4)).
3. Advance Renewal Reminders. For annual terms and trials converting to paid, we send advance reminders before renewal where required by law.
4. Easy Cancellation Methods. Cancel anytime (effective at end of current term unless stated otherwise):
   • • In‑app: Account → Billing → Cancel Subscription
   • • Email: Send from your account email to info@orestocks.com with subject "Cancel Subscription" and your account identifier.
   We will not impose unreasonable barriers. If local law requires an online cancellation mechanism, the in‑app method satisfies that requirement.
5. Refunds. Fees remain non‑refundable, except where applicable law mandates a refund, credit, or cooling‑off right. We honor any non‑waivable consumer rights.

22.3 Free Trials & Introductory Offers

• We disclose the length of the trial, the price and cadence that will apply after the trial, and how to cancel before charges begin.
• Where required, we send an advance reminder before the first charge after a trial ends.
• Trials may be limited to one per customer and may be withdrawn or modified at our discretion.

22.4 Electronic Communications & E‑Sign Consent

By using the Services, you consent to receive electronic communications (e.g., emails, in‑product messages) related to your account, purchases, legal notices, and disclosures. You may withdraw consent by contacting info@orestocks.com; doing so may affect your ability to use the Services. Keep your contact details current.

22.5 Dispute Resolution — United States (Binding Arbitration; Class‑Action Waiver; Opt‑Out)

This Section 22.5 applies to users who reside in the United States.

1. Arbitration Agreement. You and OreStocks agree that any dispute, claim, or controversy arising out of or relating to the Services or these Terms (collectively, "Disputes") shall be resolved by binding arbitration on an individual basis, not in court, except that either party may bring an individual claim in small‑claims court where jurisdictional requirements are met. The Federal Arbitration Act (FAA) governs the interpretation and enforcement of this arbitration agreement.
2. Rules & Forum. Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (or, if you are a business user, the Commercial Arbitration Rules), as modified by this Section. The arbitration venue will be your county of residence or another location mutually agreed by the parties, or by remote/virtual hearing where permitted.
3. Class‑Action & Jury‑Trial Waiver. You and OreStocks waive any right to a jury trial and to participate in a class or representative action. Disputes must be brought individually. If a court determines that applicable law precludes enforcement of any of these limitations as to a particular claim, then that claim (and only that claim) must be severed and may proceed in court.
4. Costs. Payment of filing, administration, and arbitrator fees will be governed by the AAA rules. The arbitrator may award fees and costs to the prevailing party to the extent permitted by law.
5. Opt‑Out. You may opt out of this arbitration agreement by emailing info@orestocks.com with subject "Arbitration Opt‑Out" and your account details within 30 days of (a) your first acceptance of these Terms or (b) the Effective Date above, whichever is later. Your opt‑out will not affect other terms of the ToS.
6. Injunctive Relief. Notwithstanding the foregoing, either party may seek temporary or preliminary injunctive relief in a court of competent jurisdiction to preserve the status quo pending arbitration.

22.6 Dispute Resolution — Canada

For users who reside in Canada:

• The parties will first attempt to resolve Disputes through good‑faith negotiation. If unresolved within 30 days, Disputes shall be referred to binding arbitration under the ADRIC Arbitration Rules (or other mutually agreed rules). The seat of arbitration will be the party's province/territory of residence, the language will be English, and hearings may be conducted virtually. Either party may bring an individual claim in small‑claims court where jurisdictional requirements are met.
• Consumer Rights Preserved. Nothing in these Terms limits any non‑waivable statutory rights under federal or provincial/territorial law.

22.7 Anti‑Spam, Marketing Emails & Unsubscribe (US/Canada)

We comply with applicable anti‑spam laws, including CAN‑SPAM (US) and CASL (Canada), for commercial electronic messages. Marketing emails include a functional unsubscribe mechanism, and we maintain suppression lists as required.

22.8 Children's Use (US COPPA)

The Services are not directed to children under 13. By using the Services, you represent that you are at least 13 years old (or older where local law requires a higher minimum age). If we learn we have collected personal information from a child contrary to law, we will take reasonable steps to delete it.

22.9 Export Controls & Sanctions (US/Canada)

You agree to comply with all applicable export‑control and sanctions laws, including those administered by OFAC (US), BIS (US), and Global Affairs Canada/DFATD (Canada). You represent that you are not a denied, debarred, or sanctioned party and will not use the Services for any prohibited end‑use.

22.10 Consumer Protections & Non‑Waiver

Nothing in these Terms is intended to waive any non‑waivable consumer protection rights under US federal/state law or Canadian federal/provincial/territorial law. To the extent any provision conflicts with such rights, the mandatory protections control.

22.11 Relationship to Main Terms

Except as modified by this Section 22, the Terms remain in full force and effect. If there is a conflict between the main Terms and this Section 22 for users in the United States or Canada, this Section 22 controls with respect to the conflicting subject matter.