Terms of Service

Last updated: January 16, 2026

Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and MarketSavvy ("we," "our," or "us") governing your access to and use of the MarketSavvy website, mobile application, and services (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

Description of Service

MarketSavvy is a financial intelligence platform that provides information and alerts about:

• Corporate insider trading activity (SEC Form 4 filings)
• Congressional and political trading disclosures
• Institutional investor holdings (13F filings)
• Earnings announcements and financial results
• Analyst ratings and price targets
• Government contracts and awards
• Lobbying activity and disclosures
• Dividend announcements

The Service aggregates publicly available data from official government sources and provides tools to filter, analyze, and receive alerts about this information.

Important Disclaimers

Not Financial Advice

THE SERVICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE.

MarketSavvy is not a registered investment advisor, broker-dealer, or financial planner. The information provided through the Service should not be construed as personalized investment advice or a recommendation to buy, sell, or hold any security.

You should consult with qualified professionals before making any investment decisions. Past performance of any security is not indicative of future results. All investments involve risk, including the possible loss of principal.

No Guarantee of Accuracy

While we strive to provide accurate and timely information, we do not guarantee the accuracy, completeness, or timeliness of any data displayed through the Service. Information is sourced from third-party providers and government databases, which may contain errors or delays.

You should independently verify any information before relying on it for investment decisions.

Account Registration

To access certain features of the Service, you must:

• Be at least 18 years of age
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Promptly update your information if it changes
• Accept responsibility for all activity under your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent or abusive behavior.

Subscription and Payments

Free and Paid Features

The Service offers both free and paid subscription tiers. Paid subscriptions provide access to additional features, higher alert limits, and premium data.

Billing

Paid subscriptions are billed in advance on a monthly or annual basis. By subscribing, you authorize us to charge your payment method for the subscription fee plus any applicable taxes.

Automatic Renewal

Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You can cancel at any time through your account settings.

Refunds

Subscription fees are generally non-refundable except as required by law or at our sole discretion. If you cancel during a billing period, you will continue to have access until the end of that period.

Price Changes

We may change subscription prices with reasonable notice. Price changes will take effect at the start of your next billing period following notice.

Acceptable Use

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws
• Redistribute, resell, or commercially exploit Service content without authorization
• Use automated systems (bots, scrapers, etc.) to access the Service without permission
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Impersonate any person or entity
• Upload or transmit viruses or malicious code
• Harass, abuse, or harm other users
• Use the Service to send spam or unsolicited communications

Intellectual Property

Our Content

The Service, including its design, features, software, and content (excluding user content and public data), is owned by MarketSavvy and protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial purposes in accordance with these Terms.

Public Data

Much of the financial data displayed through the Service is derived from public government sources (SEC, congressional disclosures, etc.). Our proprietary interest is in the compilation, analysis, presentation, and alerting functionality we provide.

Third-Party Services

The Service may contain links to third-party websites or integrate with third-party services. We are not responsible for the content, privacy practices, or terms of any third-party services. Your use of third-party services is at your own risk.

SMS and Email Communications

By opting in to alerts, you agree to receive automated SMS messages and/or emails from MarketSavvy. Message and data rates may apply for SMS. See our SMS Terms for details.

You can opt out of SMS messages by replying STOP or adjusting your preferences in account settings. You can unsubscribe from marketing emails via the unsubscribe link in each email.

Disclaimer 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. We do not warrant that:

• The Service will be uninterrupted, secure, or error-free
• Any information will be accurate or complete
• Any defects will be corrected
• The Service will meet your requirements

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MARKETSAVVY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNTS YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you.

Indemnification

You agree to indemnify, defend, and hold harmless MarketSavvy and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any investment decisions you make based on Service information

Modifications 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 discontinuation.

Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including if you breach these Terms.

Upon termination, your right to use the Service will immediately cease. Provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

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 principles.

Any dispute arising from these Terms or 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 court for intellectual property violations or unauthorized access.

YOU AGREE TO WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the updated Terms.

Severability

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

Entire Agreement

These Terms, together with our Privacy Policy and SMS Terms, constitute the entire agreement between you and MarketSavvy regarding the Service and supersede any prior agreements.

Contact Us

If you have questions about these Terms, please contact us:

• Email: legal@marketsavvy.com
• Support: support@marketsavvy.com
• Website: marketsavvy.com