Terms of Service

1. Acceptance of Terms

Welcome to MarketUpdate.net. These Terms of Service ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and MarketUpdate.net ("we," "us," "our," or "Company") governing your access to and use of our website, mobile applications, and related services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use our Services.

2. Description of Services

MarketUpdate.net provides a comprehensive financial data platform offering:

• Real-time and delayed market data for stocks, cryptocurrencies, forex, commodities, ETFs, and bonds
• Interactive charts, technical analysis tools, and market indicators
• Financial news aggregation and market commentary
• Stock screeners, watchlists, and portfolio tracking tools
• Economic calendars and market event notifications
• Currency converters and financial calculators
• Market heatmaps and visualization tools
• Educational content about financial markets and trading

The Services may be offered in both free and premium subscription tiers. Some features and data may be restricted based on your subscription level.

3. Eligibility

To use our Services, you must:

• Be at least 18 years of age (or the age of majority in your jurisdiction)
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using the Services under applicable laws or regulations
• Comply with all local laws regarding online conduct and financial information access
• Not be located in a country subject to U.S. government embargo or designated as a "terrorist supporting" country

By using the Services, you represent and warrant that you meet these eligibility requirements.

4. User Accounts and Registration

4.1 Account Creation

Certain features require you to create an account. When registering, you must:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Choose a strong, secure password
• Not impersonate any person or entity or misrepresent your affiliation

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach
• Ensuring you log out at the end of each session, especially on shared devices

We are not liable for any loss or damage arising from your failure to protect your account credentials.

4.3 Account Types

We may offer different account types (Free, Premium, Professional) with varying features, data access, and usage limits. You agree to use the Services only in accordance with your account type and subscription plan.

5. User Conduct and Responsibilities

5.1 Acceptable Use

You agree to use the Services only for lawful purposes and in compliance with these Terms. You agree NOT to:

• Violate any applicable laws, regulations, or third-party rights
• Use the Services for any illegal, fraudulent, or unauthorized purpose
• Distribute viruses, malware, or other harmful code
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with or disrupt the Services or servers
• Reverse engineer, decompile, or disassemble any part of the Services
• Use automated tools (bots, scrapers, crawlers) without our explicit written permission
• Collect or harvest user data without consent
• Create derivative works based on our Services without authorization
• Remove, alter, or obscure any copyright, trademark, or proprietary notices

5.2 Data Usage Restrictions

Market data and information provided through our Services are subject to additional restrictions:

• You may not redistribute, retransmit, or republish market data to third parties
• You may not use market data for commercial purposes without a proper license
• You may not create competing services using our data
• You must comply with usage limits and rate restrictions
• Real-time data may be subject to additional licensing terms from data providers

5.3 Professional Use

If you use the Services for professional or commercial purposes (e.g., as a financial advisor, trader, or investment firm), you may need a Professional subscription and must comply with additional terms and licensing requirements.

5.4 User-Generated Content

If you submit content (comments, reviews, forum posts), you:

• Grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display that content
• Represent that you own or have rights to the content and it doesn't violate third-party rights
• Agree not to post defamatory, abusive, obscene, or illegal content
• Acknowledge that we may remove content that violates these Terms without notice

6. Intellectual Property Rights

6.1 Our Intellectual Property

The Services, including all content, features, functionality, software, designs, logos, trademarks, and service marks, are owned by MarketUpdate.net or our licensors and are protected by copyright, trademark, patent, and other intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial purposes.

6.2 Restrictions

You may not:

• Copy, modify, distribute, sell, or lease any part of our Services
• Use our trademarks, logos, or branding without written permission
• Create derivative works or attempt to extract source code
• Use the Services to build competing products or services

6.3 Feedback

If you provide feedback, suggestions, or ideas about our Services, we may use them without any obligation to compensate you.

7. Market Data and Information

7.1 Data Sources

We obtain market data from third-party providers, including TradingView and other licensed data vendors. The accuracy, completeness, and timeliness of data depend on these external sources.

7.2 Data Accuracy

While we strive to provide accurate information, we do not guarantee:

• The accuracy, completeness, or timeliness of any data
• That the Services will be uninterrupted or error-free
• That data will be available in real-time (delays may occur)
• That historical data is complete or free from errors

7.3 Data Delays

Unless you have a real-time data subscription, market data may be delayed by 15-20 minutes or more, depending on the exchange and data provider.

7.4 Third-Party Data Terms

Your use of certain data may be subject to additional terms imposed by exchanges and data providers. You agree to comply with all such terms.

8. Disclaimers and Investment Risks

8.1 Not Investment Advice

THE SERVICES ARE FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. WE DO NOT PROVIDE INVESTMENT, FINANCIAL, LEGAL, OR TAX ADVICE. Nothing on our platform should be construed as:

• A recommendation to buy, sell, or hold any security or financial instrument
• Investment advice or personalized financial guidance
• An offer or solicitation of securities or financial products
• A guarantee of future performance or returns

8.2 Investment Risks

You acknowledge and understand that:

• All investments carry risk, including potential loss of principal
• Past performance does not guarantee future results
• Market data and analysis do not predict future market movements
• You are solely responsible for your investment decisions and their consequences
• You should consult qualified financial professionals before making investment decisions

8.3 Regulatory Status

MarketUpdate.net is not a registered investment advisor, broker-dealer, or financial institution. We are not regulated by the SEC, FINRA, or any similar regulatory body as a financial services provider.

8.4 No Warranties

THE SERVICES ARE 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, TITLE, AND NON-INFRINGEMENT.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

9.1 Disclaimer of Damages

IN NO EVENT SHALL MARKETUPDATE.NET, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Investment losses or trading losses based on information from our Services
• Damages arising from unauthorized access to your account
• Any damages resulting from your reliance on information provided through the Services

9.2 Maximum Liability

Our total liability to you for all claims arising from or related to the Services shall not exceed the greater of: (a) $100, or (b) the amount you paid us in the 12 months preceding the claim.

9.3 Exceptions

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless MarketUpdate.net and its officers, directors, employees, agents, licensors, and service providers from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Services
• Your violation of these Terms
• Your violation of any rights of third parties
• Your investment decisions or trading activities
• Any content you submit or transmit through the Services
• Your breach of any representations or warranties

11. Subscriptions and Payments

11.1 Subscription Plans

We offer various subscription plans with different features and pricing. Subscription details, including pricing and features, are available on our website and may change with notice.

11.2 Billing and Payments

• Subscriptions are billed in advance on a recurring basis (monthly or annually)
• You authorize us to charge your payment method for applicable fees
• You are responsible for providing accurate payment information and updating it as needed
• If payment fails, we may suspend or terminate your subscription
• All fees are non-refundable except as required by law or as specified in our refund policy

11.3 Automatic Renewal

Subscriptions automatically renew unless you cancel before the renewal date. You can cancel anytime through your account settings or by contacting customer support.

11.4 Free Trials

We may offer free trials for premium features. After the trial period, you will be charged unless you cancel. We may require payment information to start a free trial.

11.5 Price Changes

We may change subscription prices with at least 30 days' notice. Continued use after a price change constitutes acceptance of the new price.

11.6 Taxes

Fees do not include applicable taxes. You are responsible for all sales, use, VAT, and other taxes associated with your subscription.

12. Termination and Suspension

12.1 Termination by You

You may terminate your account at any time by:

• Accessing your account settings and following the cancellation process
• Contacting customer support
• Ceasing to use the Services

Termination does not entitle you to a refund of prepaid subscription fees.

12.2 Termination by Us

We may suspend or terminate your access to the Services at any time, with or without notice, if:

• You violate these Terms or any applicable laws
• You engage in fraudulent or abusive behavior
• Your account has been inactive for an extended period
• We discontinue the Services or cease operations
• Required by law or regulatory authorities

12.3 Effect of Termination

Upon termination:

• Your right to access and use the Services immediately ceases
• We may delete your account data in accordance with our data retention policies
• Provisions of these Terms that by their nature should survive termination will survive
• You remain liable for any obligations incurred before termination

13. Third-Party Services and Links

Our Services may contain links to third-party websites, applications, or services that are not owned or controlled by MarketUpdate.net. We are not responsible for:

• The content, privacy practices, or terms of third-party services
• Any damage or loss caused by third-party services
• The accuracy or reliability of third-party information

We integrate TradingView widgets and may use other third-party data and chart providers. Your use of these embedded services may be subject to their respective terms and privacy policies.

14. Modifications to Services and Terms

14.1 Service Modifications

We reserve the right to:

• Modify, suspend, or discontinue any aspect of the Services at any time
• Change features, functionality, or data offerings
• Impose usage limits or restrictions
• Update system requirements or technical specifications

14.2 Terms Modifications

We may update these Terms from time to time. When we make material changes, we will:

• Update the "Last Updated" date
• Notify you via email or prominent notice on our website
• Provide a reasonable opportunity to review the changes

Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

15. Dispute Resolution and Arbitration

15.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to first contact us and attempt to resolve the dispute informally for at least 30 days.

15.2 Binding Arbitration

If informal resolution fails, you agree that disputes will be resolved through binding arbitration rather than in court, except for:

• Small claims court matters (up to $10,000)
• Intellectual property disputes
• Claims for injunctive or equitable relief

15.3 Arbitration Rules

Arbitration will be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitrator's decision is final and binding.

15.4 Class Action Waiver

You agree to resolve disputes individually. You waive the right to participate in class actions, class arbitrations, or representative proceedings.

15.5 Opt-Out

You may opt out of arbitration by sending written notice to us within 30 days of first accepting these Terms.

16. Governing Law

These Terms are governed by the laws of [State/Country], without regard to conflict of law principles. Any disputes not subject to arbitration shall be brought exclusively in the courts located in [Jurisdiction].

If you are a resident of the European Union, you may have additional rights under local consumer protection laws.

17. Miscellaneous Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and MarketUpdate.net regarding the Services.

17.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

17.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

17.4 Assignment

You may not assign or transfer these Terms or your account without our written consent. We may assign our rights and obligations without restriction.

17.5 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, acts of war, government actions, or technical failures.

17.6 Export Compliance

You agree to comply with all applicable export and import control laws and regulations.

17.7 U.S. Government Users

If you are a U.S. government entity, the Services are "commercial computer software" as defined under applicable regulations.

17.8 Language

These Terms are written in English. Any translations are provided for convenience only. In case of conflicts, the English version prevails.

18. Contact Information

By using MarketUpdate.net, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.