Terms of Service

Effective Date: 12/26/2024

Last Updated: 12/26/2024

Welcome to ReturnsGuard (the "Service"), a financial data service for investment tracking. By accessing or using our Service, you agree to the following Terms of Service ("Terms"). Please read these carefully.

1. Acceptance of Terms

By creating an account, accessing, or using our Service, you agree to be bound by these Terms, our Privacy Policy, and any additional policies referenced herein. If you do not agree, you must not use the Service.

2. Description of Service

Our Service provides tools for tracking and analyzing investment data. ReturnsGuard does not offer financial advice, and all data, analytics, and insights provided are for informational purposes only. Always consult a qualified financial professional before making any investment decisions.

3. Account Registration

To access certain features, you must register an account by providing accurate and complete information, including your name, email address, and any other required details. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Subscription and Payment Terms

1. Subscription Plans: Certain features of the Service may require a paid subscription. Subscription details and pricing are available on our Home Page.
2. Billing: By subscribing, you authorize us to charge the applicable fees to your payment method. All payments are non-refundable unless otherwise specified.
3. Cancellation: You may cancel your subscription at any time. Cancellation will take effect at the end of the current billing cycle.

5. Data Accuracy and Disclaimer

1. Data Sources: The Service aggregates data from various third-party sources. While we strive for accuracy, we do not guarantee the completeness or correctness of the data provided.
2. No Financial Advice: The Service is for informational purposes only and does not constitute financial, investment, or legal advice. You acknowledge that past performance is not indicative of future results.

6. User Conduct

When using the Service, you agree to:

• Use the Service for lawful purposes only.
• Not upload, post, or transmit harmful, misleading, or unauthorized content.
• Not reverse-engineer, scrape, or attempt to bypass any security measures of the Service.

We reserve the right to terminate accounts for violations of these Terms.

7. Intellectual Property

All content, features, and functionality of the Service, including text, graphics, software, and trademarks, are owned by ReturnsGuard or its licensors. You may not reproduce, distribute, or use any content without our express written permission.

8. Limitation of Liability

To the fullest extent permitted by law:

• ReturnsGuard and its affiliates shall not be liable for any direct, indirect, incidental, or consequential damages resulting from your use of the Service.
• The Service is provided "as is" and "as available" without any warranties of any kind, either express or implied.

9. Indemnification

You agree to indemnify and hold harmless ReturnsGuard, its officers, directors, and affiliates from any claims, liabilities, damages, or expenses arising out of your use of the Service, violation of these Terms, or infringement of any rights of a third party.

10. Termination

We reserve the right to suspend or terminate your account or access to the Service at any time for any reason, including violation of these Terms.

11. Governing Law

These Terms shall be governed by the laws of Tennessee without regard to its conflict of law provisions.

12. Changes to Terms

We may update these Terms from time to time. Changes will be posted on this page, and the "Last Updated" date will reflect the revision date. Continued use of the Service after changes constitutes your acceptance of the updated Terms.

13. Contact Information

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

• Email: support@ReturnsGuard.com