Terms of Service

Last Updated: December 25, 2025

Introduction

Welcome to Minalyst. These Terms of Service ("Terms") govern your access to and use of Minalyst's AI-powered investment analysis platform, including our website, services, tools, and features (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use the Service.

1. Acceptance and Modifications

1.1 Agreement to Terms

By creating an account, accessing our platform, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy. These Terms constitute a legally binding agreement between you and Minalyst.

1.2 Modifications to Terms

We reserve the right to modify, update, or change these Terms at any time at our sole discretion. We will notify you of material changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of the Service after such changes constitutes your acceptance of the modified Terms. We encourage you to review these Terms periodically.

1.3 Eligibility

You must be at least 18 years of age to use our Service. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

2. Description of Service

Minalyst is an AI-powered investment analysis platform designed to help users conduct research and analysis on publicly traded companies and financial markets. Our Service includes, but is not limited to:

• AI-powered investment analyst with natural language interaction
• Financial data, reports, and analytics on publicly traded companies
• Company screening and comparison tools
• Data visualization, charts, and dashboards
• Document analysis and information extraction from financial filings
• Saved reports, workspaces, and personalized recommendations

The Service relies on AI technology, including large language models and machine learning algorithms, to analyze financial data and generate insights. While we strive for accuracy, AI-generated content may contain errors or inaccuracies (see Section 5).

3. User Accounts and Security

3.1 Account Creation

To access certain features of the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials (username and password) and for all activities that occur under your account. You agree to:

• Use a strong, unique password
• Not share your account credentials with others
• Notify us immediately of any unauthorized access or security breach
• Log out of your account at the end of each session when using shared devices

3.3 Account Integrity

You may not create an account using false information, impersonate another person or entity, or create multiple accounts to circumvent restrictions or limitations. We reserve the right to suspend or terminate accounts that violate these provisions.

4. Acceptable Use and Prohibited Conduct

4.1 Permitted Use

You may use the Service for lawful personal or professional research and analysis purposes related to investment decision-making, subject to these Terms.

4.2 Prohibited Activities

You agree not to:

• Use the Service for any illegal purpose or in violation of any local, state, national, or international law
• Reverse engineer, decompile, disassemble, or attempt to extract the source code of our software or AI models
• Scrape, crawl, or use automated tools to extract large amounts of data from the Service without our express written permission
• Interfere with, disrupt, or place unreasonable burden on our servers, networks, or infrastructure
• Attempt to gain unauthorized access to any portion of the Service, other user accounts, or computer systems
• Transmit viruses, malware, or any other malicious code
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Harass, abuse, threaten, or otherwise violate the rights of others
• Use the Service to engage in market manipulation, insider trading, or other fraudulent activities
• Redistribute, resell, or sublicense access to the Service without our express written consent

5. AI-Specific Terms and Disclaimers

5.1 Nature of AI-Generated Content

Our Service uses artificial intelligence and machine learning to analyze data and generate insights. You acknowledge and understand that:

• AI-generated content may contain errors, inaccuracies, or incomplete information
• AI models can produce unexpected, incorrect, or misleading outputs ("hallucinations")
• AI analysis is based on available data and may not capture all relevant factors or future developments
• The quality of AI outputs depends on the quality and completeness of input data

5.2 User Responsibility for Verification

You are solely responsible for verifying all AI-generated information before making any investment decisions or taking any action based on our Service. Always cross-reference data with original sources, conduct your own independent research, and consult with qualified financial professionals.

5.3 Your Data and AI Training

6. Financial and Investment Disclaimers

6.2 Investment Risk

All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. You should:

• Carefully consider your financial situation, investment objectives, and risk tolerance
• Consult with qualified financial, tax, and legal advisors before making investment decisions
• Conduct your own due diligence and independent research
• Not rely solely on information or analysis provided by our Service

6.3 No Guarantee of Accuracy or Completeness

While we strive to provide accurate and timely information, we make no representations or warranties regarding:

• The accuracy, completeness, or timeliness of any data, analysis, or content
• The reliability of AI-generated insights or recommendations
• The suitability of any information for your specific situation or objectives

Data may be delayed, incomplete, or contain errors. Market conditions can change rapidly, and information may become outdated quickly.

7. Intellectual Property Rights

7.1 Minalyst's Intellectual Property

The Service and all content, features, functionality, software, code, designs, graphics, logos, trademarks, and other materials are owned by Minalyst or our licensors and are protected by copyright, trademark, patent, and other intellectual property laws.

7.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business purposes. This license does not include any right to:

• Reproduce, distribute, modify, or create derivative works of our content
• Use our trademarks, logos, or branding without prior written consent
• Commercially exploit any part of the Service

7.3 User Content and Data Ownership

You retain ownership of any content, data, or information you upload, submit, or provide through the Service. By using the Service, you grant us a limited license to use, store, and process your content solely for the purpose of providing the Service to you, as described in our Privacy Policy.

8. Third-Party Services and Content

Our Service may integrate with or contain links to third-party websites, services, data providers, or content. We do not control, endorse, or assume responsibility for:

• The accuracy, completeness, or reliability of third-party data or content
• The privacy practices or terms of service of third-party providers
• Any damages or losses resulting from your use of third-party services

Your use of third-party services is at your own risk and subject to their respective terms and conditions.

9. Service Availability and Modifications

9.1 Service Availability

We strive to provide reliable, uninterrupted access to the Service, but we cannot guarantee that the Service will always be available, error-free, or secure. The Service may be subject to:

• Scheduled or emergency maintenance
• Technical issues, outages, or disruptions
• Limitations imposed by third-party data providers

9.2 Right to Modify or Discontinue

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice, for any reason. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

10. Limitation of Liability

In jurisdictions that do not allow the exclusion or limitation of liability for certain damages, our liability shall be limited to the maximum extent permitted by law. In no event shall our total liability exceed the amount you paid us in the twelve (12) months preceding the event giving rise to liability.

11. Disclaimers of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding the accuracy, reliability, completeness, or timeliness of content
• Warranties that the Service will be uninterrupted, secure, or error-free
• Warranties regarding the results obtained from using the Service

12. Indemnification

You agree to indemnify, defend, and hold harmless Minalyst, its affiliates, and their respective officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any rights of another person or entity
• Investment decisions or financial losses based on your use of the Service

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting us or using account settings. Upon termination, your right to access and use the Service will cease immediately.

13.2 Termination by Minalyst

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, at our sole discretion. Reasons for termination may include:

• Violation of these Terms or our policies
• Suspected fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Requests by law enforcement or regulatory authorities

13.3 Effect of Termination

Upon termination, all rights and licenses granted to you will immediately cease. Sections of these Terms that by their nature should survive termination (including disclaimers, limitations of liability, indemnification, and governing law) shall survive.

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

14.2 Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service shall be resolved through good faith negotiations. If negotiations fail, disputes shall be resolved through binding arbitration or in the courts located in Delaware, as mutually agreed.

14.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Minalyst regarding the Service and supersede all prior agreements and understandings.

15.2 Severability

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

15.3 No Waiver

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

15.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms at any time without notice.

16. Contact Information

If you have any questions, concerns, or feedback regarding these Terms of Service, please contact us:

Email: lidar@minalyst.com

Website: minalyst.com

Subject Line: Terms of Service Inquiry