Terms of Service Summary
This is a plain-language summary of our Terms of Service. The full legal document governs your use of Rallies.The Short Version
- Rallies provides investment research tools, not investment advice
- You’re responsible for your own investment decisions
- Don’t misuse the service or violate others’ rights
- We can update these terms and will notify you of significant changes
- Disputes are resolved through arbitration
What Rallies Is (and Isn’t)
What We Provide
- AI-powered stock and investment research tools
- Stock screening and analysis features
- Portfolio tracking to monitor your holdings
- Watchlists and price alerts
- Educational investing content
What We Don’t Provide
We are NOT investment advisors. This means:- We don’t tell you what to buy, sell, or hold
- We don’t give personalized recommendations
- We don’t provide financial planning or tax advice
- The AI will not make investment decisions for you
Your Account
| Requirement | Your Responsibility |
|---|---|
| Age | At least 18 years old |
| Information | Provide accurate details |
| Security | Keep your password secure |
| Activity | You’re responsible for all account activity |
Account Security Tips
- Use a strong, unique password
- Enable two-factor authentication
- Don’t share your login credentials
- Report unauthorized access immediately
Account Termination
You can delete your account anytime through settings. We may close accounts that violate terms, engage in fraud, abuse the platform, or don’t pay for subscriptions.Subscription and Payments [REVIEW REQUIRED: Verify tier names]
| Feature | Free | Pro |
|---|---|---|
| Basic research tools | Yes | Yes |
| Limited AI queries | Yes | Yes |
| Unlimited AI queries | No | Yes |
| Advanced features | No | Yes |
Billing Basics
- Pro subscriptions paid monthly or annually
- Auto-renews unless you cancel
- Payments processed securely through Stripe
- Prices may change with 30 days notice
What You Can and Can’t Do
Permitted Uses
- Research investments for personal use
- Track your portfolio
- Learn about investing
- Use the AI assistant for research
Prohibited Activities
Don’t:- Use the service for illegal purposes
- Hack or access systems without permission
- Scrape data or use bots
- Redistribute content without permission
- Harass other users or impersonate others
- Provide advisory services to others using our platform
Who Owns What
- Our Content: We own the platform, tools, algorithms, and original content
- Your Content: You own watchlists, notes, etc. You give us permission to use it for the service
- Third-Party Content: Market data providers own their content
Third-Party Services
Brokerage Connections (Plaid) [REVIEW REQUIRED: Verify terms]
- Plaid securely accesses your account
- We only get read-only access to holdings
- We never see your brokerage password
- You’re subject to Plaid’s terms
Payment Processing (Stripe)
Stripe handles payments. Your payment info is subject to their terms.Important Disclaimers
Not Investment Advice
Everything on Rallies is for information and education only. We don’t give investment advice. You make your own decisions.No Guarantees
We don’t guarantee:- Information accuracy
- Investment results
- Uninterrupted service
- AI correctness
”As Is” Service
The service is provided without warranties—we don’t promise it will be perfect.Liability Limits [REVIEW REQUIRED: Confirm amounts]
What We’re Not Liable For
- Investment losses
- Indirect or consequential damages
- Lost profits or data
- Third-party service problems
Maximum Liability
If we’re liable, the max is the greater of what you paid in the past 12 months or $100.If We Disagree [REVIEW REQUIRED: Verify terms]
- Try to work it out: Contact [email protected] first
- Arbitration: Unresolved disputes go to binding arbitration
- No class actions: Claims must be individual, not class actions
Other Important Points
- Changes: We may update terms with notice; continued use means acceptance
- Governing Law: [State] law applies [REVIEW REQUIRED: Insert state]
Quick Reference
| Topic | Key Point |
|---|---|
| Minimum age | 18 years old |
| Investment advice | We don’t provide any |
| Account security | Your responsibility |
| Billing | Auto-renews until cancelled |
| Data scraping | Not allowed |
| Our liability | Limited to fees paid (max 12 months) |
| Disputes | Arbitration, no class actions |