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Terms of Service

Last Updated: January 1, 2025 Effective Date: January 1, 2025 These Terms of Service (“Terms”) govern your access to and use of the Rallies.ai website, mobile application, and services (collectively, the “Service”) provided by Blotter Inc. (“Rallies,” “we,” “us,” or “our”). By accessing or using the Service, you agree to be bound by these Terms.

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1. Acceptance of Terms

By creating an account or using the Service, you confirm that:
  • You are at least 18 years old
  • You have the legal capacity to enter into this agreement
  • You will comply with these Terms and all applicable laws
  • You have read our Privacy Policy

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2. Description of Service

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What Rallies Provides

Rallies is an investment research and educational platform providing:
  • AI-powered investment research and analysis
  • Stock screening and filtering tools
  • Portfolio tracking and performance analysis
  • Watchlists and price alerts
  • Educational investing content

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What Rallies Does NOT Provide [REVIEW REQUIRED: Align with disclaimer]

Rallies is NOT a registered investment advisor, broker-dealer, or financial planner. We do not provide personalized investment advice, buy/sell/hold recommendations, financial planning, or tax/legal advice. See our Important Disclaimer.

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3. Account Terms

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Account Creation and Security

You agree to:
  • Provide accurate registration information
  • Maintain credential security and notify us of unauthorized access
  • Accept responsibility for all account activity
  • Use strong passwords and enable two-factor authentication
  • Maintain only one account per person

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Account Termination

By You: Delete your account anytime via settings. By Us: We may suspend or terminate accounts for Terms violations, fraudulent/illegal activity, abuse, or non-payment.

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4. Subscription and Billing [REVIEW REQUIRED: Verify Stripe configuration]

  • Tiers: Free and Pro subscriptions with features described on our pricing page
  • Billing: Pro subscriptions billed monthly or annually in advance via Stripe
  • Auto-Renewal: Subscriptions renew automatically unless cancelled
  • Refunds: Per our Refund Policy; generally no partial-period refunds
  • Price Changes: 30 days advance notice; effective at next billing cycle

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5. Acceptable Use Policy

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Permitted Use

Personal investment research, education, and portfolio tracking.

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Prohibited Activities

Misuse of Service:
  • Illegal use, unauthorized system access, service disruption
  • Circumventing access restrictions or rate limits
Data and Content:
  • Scraping, harvesting, or redistributing Service content
  • Using bots or automated tools; removing proprietary notices
Harmful Behavior:
  • Harassing users, impersonation, transmitting malware, market manipulation
Commercial Use:
  • Competing commercial purposes, reselling access, providing advisory services to others
[REVIEW REQUIRED: Add AI-specific prohibited activities]

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Enforcement

Violations may result in warnings, suspension, termination, or legal action.

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6. Intellectual Property

  • Our Content: Service, features, and original content are owned by Blotter Inc. and protected by IP laws
  • Your Content: You retain ownership of content you create; you grant us license to use it for providing the Service
  • Feedback: You grant us unrestricted rights to use feedback you provide
  • Third-Party Content: Remains property of respective owners

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7. Third-Party Services

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Brokerage Connections (Plaid) [REVIEW REQUIRED: Verify Plaid terms]

By connecting a brokerage, you authorize Plaid access and agree to their terms. We receive read-only holdings access.

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Payment Processing (Stripe)

Payments subject to Stripe’s terms and privacy policy.

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8. Disclaimers

THE SERVICE IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. NOTHING CONSTITUTES INVESTMENT ADVICE, FINANCIAL ADVICE, OR ANY SORT OF RECOMMENDATION. Conduct your own research and consult qualified professionals before making investment decisions.

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No Guarantees

We do not guarantee information accuracy/completeness/timeliness, investment outcomes, uninterrupted operation, or that the Service meets your requirements.

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”As Is” Service

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

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AI Limitations [REVIEW REQUIRED: Review AI disclaimers]

AI features may produce inaccurate/incomplete information, do not constitute professional advice, and should not be solely relied upon.

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9. Limitation of Liability [REVIEW REQUIRED: Verify enforceability]

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Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RALLIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR INVESTMENT LOSSES.

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Liability Cap

TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF (A) AMOUNTS PAID IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).

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10. Indemnification

You agree to indemnify and hold harmless Rallies and its officers, directors, employees, and agents from claims arising from your Service use, Terms violations, third-party rights violations, or investment decisions based on Service information.

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11. Dispute Resolution [REVIEW REQUIRED: Specify jurisdiction]

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Governing Law

These Terms are governed by [State] law, without regard to conflict of law provisions.

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Informal Resolution

Contact [email protected] first. We will attempt resolution within 30 days. Unresolved disputes go to binding arbitration under AAA rules in [City, State].

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Class Action Waiver

CLAIMS MAY BE BROUGHT ONLY INDIVIDUALLY, NOT AS PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION.

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Exceptions

Injunctive relief claims, IP disputes, and small claims court actions are not subject to arbitration.

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12. General Provisions

  • Entire Agreement: These Terms plus Privacy Policy constitute the full agreement
  • Severability: Unenforceable provisions do not affect remaining Terms
  • Waiver: Failure to enforce rights is not a waiver
  • Assignment: You may not assign without consent; we may assign freely
  • Modifications: Material changes notified via email or Service; continued use means acceptance
  • Notices: To you via email or Service; to us at [email protected]

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13. Contact Information

Email: [email protected] Mail: Blotter Inc. [REVIEW REQUIRED: Insert address]