Terms of Service

You must be at least 18 years old and able to form a binding contract. You agree to these Terms by using the Service, and — when you subscribe to a paid plan — by ticking the agreement box before checkout. That tick is your electronic signature, with the same effect as a handwritten one under the U.S. Electronic Signatures in Global and National Commerce Act and applicable state law.

When you subscribe, we record the version of these Terms, the Disclaimer and the Privacy Policy you accepted, the exact statement you ticked, the time, your account email, your IP address and your browser. We keep that record for as long as your account exists and for as long afterwards as the law allows, so that both of us can show what was agreed.

FinPile reads public company data — SEC filings, FINRA short-interest reports, market data from licensed providers and similar sources — and presents it in plain language: fundamental, technical, risk and dilution reads, halal screening, seasonality and gap history, earnings history, a watchlist, Guardian monitoring alerts, and an agent on each stock page that answers questions from that company's stored data.

FinPile publishes one rating per stock — Buy, Hold or Sell — as the output of a checklist described on the Methodology page, together with historical odds for setups that read the same way and a public record of past ratings. The rule decides; software applies it identically to every stock; the agent can only explain what the rule produced. We do not publish price targets, forecasts or "fair values."

Every fact on the Service carries a date and a source. Data may be delayed, incomplete or wrong at the source, and our reads inherit those limits.

All content on the Service is information and education only. It is general, not tailored to you, and it is not an offer, solicitation or recommendation to buy, sell or hold any security, nor a representation that any security or strategy is suitable for you.

Your use of the Service creates no advisory, fiduciary, broker, agency or other professional relationship with Spinnex. We do not know your financial situation, objectives or risk tolerance and have not considered them.

You agree not to rely on the Service as the basis for any investment decision, to do your own research, and to consult a licensed financial, tax or legal professional before acting. You accept full responsibility for every decision you make and every result that follows, including loss of money.

Answers from the stock-page agent are generated by software from the company data FinPile has stored. They are explanations of FinPile's own reads, not advice, and they can contain errors; they do not change any rating and carry no more weight than the page they describe.

FinPile's halal screen applies published, mechanical AAOIFI-based criteria to public financial data. It is not a fatwa, religious ruling or scholarly opinion, and its result may lag the most recent data or omit considerations a scholar would weigh. Consult a qualified Islamic scholar or certified Islamic finance professional before relying on it.

Free plan. Free accounts receive a limited number of stock lookups each calendar month, a small watchlist and Guardian on one stock. We may change those limits with notice on the Service.

Pro. Pro is sold on three terms, priced in U.S. dollars as shown at checkout — currently an annual term, a six-month term and a monthly term. The price displayed in checkout at the moment you subscribe is the price you pay for that term.

Automatic renewal. Pro renews automatically at the end of each term, for a further term of the same length, at the then-current price for that term, charged to your saved payment method — until you cancel. We will tell you by email at least 30 days before a price change takes effect on your renewal.

Cancelling. Cancel at any time from your profile's billing portal. Cancelling stops the next renewal; it does not end the term you have already paid for, which runs to its last day, after which the account returns to the free plan.

Refunds. Fees are non-refundable and we do not pro-rate unused time, except where the law requires a refund or we choose to give one. If you believe you were charged in error, write to us within 30 days of the charge.

Legacy prices. Members who subscribed on an earlier price keep renewing at that price for as long as their subscription stays active; nothing in this version changes that.

Payments are processed by Stripe. By subscribing you also agree to Stripe's terms. We never see or store your full card number.

Taxes. Prices exclude any sales, use or value-added tax that may apply, which we may add where we are required to collect it.

You are responsible for your account and for everything done through it. Keep your login private; do not share your account or let anyone else use it. One account is for one person. Tell us at once if you believe your account has been compromised.

Licence. We grant you a personal, limited, revocable, non-exclusive, non-transferable licence to use the Service and to view its content for your own, personal, non-commercial research while your account is in good standing. Everything on the Service — ratings, scores, verdicts, odds, reads, alerts, agent answers, charts, tables, text, design, the methodology as expressed on the Service, and the way the data is assembled — is FinPile's content and is protected by copyright, database and other intellectual-property laws. All rights not granted here are reserved.

You agree that you will not, and will not help anyone else to:

• share, post, publish, forward or redistribute FinPile's content outside your own account — including ratings, verdicts, scores, odds, Guardian alerts, agent answers, charts, tables, screenshots or screen recordings of any part of the Service — whether in public or private: on social media, in forums, chat groups or messaging channels (for example X, Reddit, Discord, Telegram, WhatsApp, Facebook groups), in newsletters, videos, livestreams, blogs or websites, or by email or text to other people, and whether free or for payment;
• present FinPile's content as your own, or as a recommendation to anyone;
• use FinPile's content for any commercial purpose, including advising others, selling signals or running a paid community;
• scrape, crawl, bulk-download, cache or systematically copy any part of the Service, or access it with bots, scripts or automated tools, or at a rate exceeding ordinary personal use;
• use FinPile's content to build or train a dataset, model, product or service that competes with or substitutes for the Service;
• remove or alter any source attribution, date, notice or label;
• reverse-engineer, decompile or attempt to extract source code, rules, thresholds or data structures from the Service other than what we publish on the Methodology page;
• share your login or circumvent any limit, paywall or access control;
• use the Service for any unlawful purpose, to manipulate any market, or to impersonate any person.

If you want to quote or show FinPile's content anywhere outside your account — in a review, article, class or video — ask us first; we grant permission in writing for specific uses.

Enforcement. A breach of this section is a material breach of these Terms. We may suspend or terminate your account immediately and without refund, remove or demand removal of the shared content, and pursue any other remedy available to us, including damages and injunctive relief. You agree that unauthorised sharing of FinPile's content causes us harm that money alone may not repair, so we may seek a court order to stop it without having to post a bond where the law allows.

The Service relies on data from third parties, including the U.S. Securities and Exchange Commission, FINRA, licensed market-data providers and other public sources. We do not control those sources, do not guarantee their accuracy, completeness or timeliness, and are not responsible for their errors, delays or outages. Some data is delayed. Third-party providers may require you to comply with their own terms, which we will identify on request.

We may add, change, limit or remove features, data sources, rules, thresholds or plans at any time. Where a change to a published rule affects the rating record, we say so on the Service. If we discontinue Pro entirely during a term you have paid for, we will refund the unused portion of that term.

THE SERVICE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, TIMELINESS, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE, THAT ANY DEFECT WILL BE CORRECTED, OR THAT ANY RATING, ODDS FIGURE, ALERT OR OTHER CONTENT WILL BE ACCURATE OR WILL PRODUCE ANY PARTICULAR RESULT. HISTORICAL ODDS DESCRIBE THE PAST; THEY ARE NOT A PREDICTION. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

TO THE FULLEST EXTENT PERMITTED BY LAW, SPINNEX LLC AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS AND DATA PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, INVESTMENTS, TRADING LOSSES, LOST OPPORTUNITY, DATA OR GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE, ITS CONTENT, OR ANY DECISION YOU MAKE OR ACTION YOU TAKE IN RELIANCE ON IT, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE SAME EXTENT, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND (B) FIFTY U.S. DOLLARS (US$50).

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY; IN THOSE JURISDICTIONS OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT THE LAW PERMITS. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW.

You agree to defend, indemnify and hold harmless Spinnex LLC and the people and companies listed in section 11 from any claim, demand, loss, liability, cost or expense (including reasonable attorneys' fees) arising out of or relating to (a) your use of the Service, (b) any investment or other decision you make in connection with it, (c) your breach of these Terms — including any sharing or redistribution of FinPile's content — or (d) your violation of any law or of any third party's rights.

These Terms, and any dispute arising out of or relating to them or the Service, are governed by the laws of the State of Minnesota and applicable U.S. federal law, without regard to conflict-of-law rules.

Talk to us first. Before starting any formal proceeding, you agree to send a written description of the dispute to legal@finpile.ai and to give us 30 days to try to resolve it with you informally. We agree to do the same before starting one against you.

Venue. Any proceeding not resolved informally shall be brought exclusively in the state or federal courts located in Hennepin County, Minnesota, and you consent to their personal jurisdiction, except that either party may seek injunctive relief in any court of competent jurisdiction to protect its intellectual property or to stop unauthorised sharing of content. Each of us waives trial by jury to the extent the law allows.

Time to bring a claim. To the extent the law allows, any claim against us must be filed within one (1) year after it arose, or it is permanently barred.

You may stop using the Service and close your account at any time. We may suspend or terminate your access, with or without notice, if you breach these Terms, if required by law or a data provider, or to protect the Service or other members; a termination for breach carries no refund. Sections 3, 7 and 10 through 17 survive termination.

We may update these Terms. When we do, we change the effective date and version at the top of this page, and we may also notify you by email or on the Service. For changes that matter to members — pricing, renewal, your licence, the limits on liability, dispute terms — paid members are asked to read and accept the new version on their next visit before continuing to use Pro. Continued use of the Service after the effective date of any other change means you accept it. If you do not accept a change, stop using the Service and cancel any paid plan.

These Terms, the Privacy Policy and the Disclaimer are the entire agreement between you and Spinnex about the Service and replace any earlier terms. If any part of these Terms is found unenforceable, the rest stays in force and the unenforceable part is read to achieve its intent as nearly as the law allows. Our not enforcing a term is not a waiver of it. You may not assign these Terms; we may assign them to a successor to the Service. Notices to you may be sent to your account email. Headings are for convenience only.

Spinnex LLC, operator of FinPile.ai. Questions about these Terms, permission requests to quote FinPile content, and dispute notices:

legal@finpile.ai