Terms of Service

1. Acceptance of Terms

By accessing or using The Insider Index mobile application, website, or any related services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

We may modify these Terms at any time. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms.

2. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

You are responsible for ensuring that your use of the Service complies with all applicable laws and regulations in your jurisdiction.

3. Description of Service

The Insider Index is a market intelligence platform that aggregates, normalizes, and analyzes institutional data from multiple sources including congressional disclosures, SEC filings, index fund holdings, and social sentiment data.

The Service is for informational and research purposes only. The Service does NOT:

• Provide investment advice, recommendations, or opinions
• Execute trades or manage portfolios
• Serve as a broker, dealer, or investment advisor
• Guarantee the accuracy or completeness of any data
• Predict future market movements or investment returns

4. User Accounts

To access certain features of the Service, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

5. User Conduct

You agree not to:

• Use the Service for any unlawful purpose
• Scrape, crawl, or use automated means to access the Service without authorization
• Reverse engineer, decompile, or disassemble any aspect of the Service
• Attempt to gain unauthorized access to any systems or networks
• Interfere with or disrupt the Service or servers
• Transmit any malware, viruses, or harmful code
• Use the Service to develop a competing product
• Redistribute, resell, or sublicense access to the Service
• Use data from the Service to provide services to third parties
• Misrepresent your identity or affiliation

6. Intellectual Property

The Service, including all content, features, and functionality, is owned by The Insider Index and is protected by copyright, trademark, and other intellectual property laws.

Our trademarks, trade names, logos, and service marks (collectively, "Marks") may not be used without our prior written consent.

You are granted a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial purposes, subject to these Terms.

7. Third-Party Content and Links

The Service may contain links to third-party websites or display content from third parties. We do not endorse, control, or assume responsibility for any third-party content or websites. Your interactions with third parties are solely between you and such third parties.

8. No Investment Advice

THE SERVICE DOES NOT PROVIDE INVESTMENT ADVICE.

All information provided through the Service is for informational purposes only and should not be construed as financial, investment, tax, or legal advice.

You should consult with qualified professionals before making any investment decisions. We are not registered as a broker, dealer, investment advisor, or in any similar capacity.

Past performance of any investment is not indicative of future results. Investing involves risk, including the possible loss of principal.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY, RELIABILITY, OR COMPLETENESS OF DATA
• UNINTERRUPTED OR ERROR-FREE OPERATION

We do not warrant that the Service will meet your requirements or that any errors will be corrected.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE INSIDER INDEX AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or use
• Any trading losses or investment losses
• Any damages arising from reliance on information provided through the Service
• Any damages arising from interruption or unavailability of the Service

Our total liability for any claims arising from your use of the Service shall not exceed the amount you paid for the Service in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless The Insider Index and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of another party.

12. Changes to Service

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

13. Governing Law and Disputes

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

Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in any court of competent jurisdiction.

14. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

15. Severability

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