Terms of Service

1. Acceptance of Terms

By accessing or using DailyIQ ("the Service"), you agree to be bound by these Terms of Service and by our Privacy Policy, which is incorporated here by reference. If you do not agree, please do not use the Service.

2. Description of Service

DailyIQ provides market intelligence, stock and ETF analysis, technical indicators, valuation models, news sentiment, screeners, portfolio tracking, email alerts and a public data API. The Service is designed to help users research and analyze financial markets.

Much of the written analysis on the Service is generated automatically from public market data, including by AI models, and is not individually reviewed by a person before publication. It may contain errors, omissions or stale figures.

3. Important Disclaimer

4. Market Data

Market data, prices, fundamentals and filings displayed on the Service are sourced from third parties and from public regulatory filings. Data may be delayed, incomplete, adjusted, or incorrect, and some instruments are shown on delayed feeds. Prices shown are indicative only and must not be relied on for trade execution or for determining the value of any position.

5. User Accounts

When you create an account, you agree to:

• Be at least 13 years old, and old enough to form a binding contract where you live
• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Accept responsibility for all activity under your account

You may delete your account at any time from your account settings. Deletion is scheduled 30 days out and can be cancelled from the same page at any point in that window; once it completes, your data cannot be recovered. You can download a copy of your data from the same page before deleting.

6. Subscriptions, Billing and Cancellation

• Paid plans are billed on a recurring basis through Stripe, our payment processor. By subscribing you also agree to Stripe's terms.
• New subscriptions start with a 14-day trial. A one-time trial fee, shown on the pricing page and on the Stripe checkout page, is charged when you start the trial and is non-refundable. No plan charge is made during the trial.
• When the trial ends, the plan you selected is charged in full and subscriptions renew automatically at the end of each billing period until cancelled.
• You may cancel at any time from your account page. Cancellation takes effect at the end of the current trial or billing period; access continues until then and nothing further is charged. Cancelling during the trial means the plan is never charged. You can undo a cancellation from the same page at any point before it takes effect.
• Prices displayed in a local currency on our pricing page are estimates based on approximate location and current exchange rates. The actual amount and currency charged are determined by Stripe at checkout.
• Except where required by law, fees already paid are non-refundable, including for partial billing periods.
• We may change plan pricing or features with advance notice; changes take effect at your next renewal.
• If a payment fails or a subscription lapses, premium features may be suspended without notice.

Referral program

• Subscribers on an active or trialing plan are issued a referral code and share link. A new subscriber who applies a valid code at checkout pays a reduced one-time fee for their 14-day trial in place of the standard trial fee, after which the plan they selected renews at its regular price.
• When someone opens your share link, the pricing page shows them your first name so they know whose code is being applied. Do not share your link if you do not want that.
• When a referred subscriber pays their first full-price monthly or annual invoice, the referrer receives a credit equal to one month of the monthly plan, applied automatically to the referrer's Stripe balance and drawn down on their next invoice. On an annual plan the credit reduces the next renewal. Credit that exceeds one invoice carries forward. The trial fee itself does not count as a full-price invoice.
• If the referrer has no active subscription when the credit is earned, it is held and applied when they next subscribe.
• Referral credit has no cash value, cannot be transferred or withdrawn, and is forfeited if the referrer's account is deleted.
• If the referred subscriber's first full-price payment is refunded or disputed within 30 days, the corresponding credit is reversed.
• Codes may not be used on your own account or on an account that has previously held a subscription. We may withhold or reverse credit where we reasonably believe the program is being abused, and may change or end the program at any time.

7. API Access

API keys issued to you are personal and confidential. You agree to:

• Keep your keys secret and not share, publish or resell them
• Accept responsibility for all requests made with your keys
• Respect published rate limits and not circumvent them through multiple keys, addresses or accounts
• Not redistribute, resell, republish or build a competing data product from API responses without our written permission

We may rate-limit, suspend or revoke any key at any time, including for abuse, excessive load, or breach of these Terms.

8. Connected Brokerage Accounts

If you connect a third-party brokerage account, you authorize us to access and store the account data described in our Privacy Policy for the purpose of displaying it back to you. You represent that you are authorized to grant that access.

The connection is read-only: DailyIQ does not place, modify or cancel trades, and does not move funds. Data shown is a copy that may be delayed or out of sync with your broker, which remains the authoritative record. You may revoke the connection at any time here or with your broker.

9. Alerts and Email

Alerts and notification emails are provided on a best-effort basis. Delivery may be delayed, duplicated, or fail entirely due to market data gaps, scheduling, or email provider behaviour, and an alert may trigger on stale or corrected data. Do not rely on alerts as your only mechanism for time-sensitive decisions. By creating an account you agree to receive transactional email (verification, password resets, billing and service notices); you can disable alert emails from your settings.

10. User Content

You retain ownership of the content you submit — portfolio entries, transactions, journal notes, alert configurations and watchlists. You grant us a limited licence to store and process that content solely to operate the Service for you, as described in the Privacy Policy. You are responsible for the accuracy and legality of what you submit, and you should keep your own records rather than relying on the Service as a system of record.

11. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose, including market manipulation or insider trading
• Attempt to gain unauthorized access to any part of the Service, other accounts, or our infrastructure
• Interfere with or disrupt the Service or servers, or impose an unreasonable load on them
• Scrape, crawl, or use automated means to access the Service outside the documented API and its limits
• Redistribute or resell any data from the Service without authorization
• Circumvent paywalls, rate limits, authentication, or usage restrictions
• Impersonate any person or entity, or misrepresent your affiliation

12. Intellectual Property

The Service and its original content, features, and functionality are owned by DailyIQ and protected by international copyright, trademark, and other intellectual property laws. Underlying market data remains the property of its respective providers.

You may not copy, modify, distribute, sell, or lease any part of our Service or included software, nor may you reverse engineer or attempt to extract the source code.

13. Third-Party Links, Services and Advertising

The Service may contain links to, and integrations with, third-party websites and services that are not owned or controlled by DailyIQ, and may display third-party advertising. We have no control over, and assume no responsibility for, the content, products, privacy policies, or practices of any third party.

14. Disclaimer of Warranties and Limitation of Liability

The Service is provided "as is" and "as available" without warranties of any kind, express or implied, 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, or that any data or information will be accurate, timely, reliable, or complete.

To the maximum extent permitted by law, DailyIQ shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use the Service
• Any unauthorized access to or use of our servers or your data
• Any interruption, delay, or cessation of transmission to or from the Service
• Any errors, omissions, delays or inaccuracies in any content or market data
• Failed, delayed, duplicated or erroneous alerts
• Investment or trading decisions made using the Service

To the maximum extent permitted by law, our total aggregate liability arising out of or relating to the Service is limited to the greater of the amount you paid us in the twelve months preceding the claim, or CAD $100.

15. Indemnification, Termination and Governing Law

You agree to defend, indemnify, and hold harmless DailyIQ and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses arising from your use of the Service or violation of these Terms.

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination your right to use the Service ceases; Sections 3, 4, 10, 12, 14 and 15 survive.

We reserve the right to modify these Terms at any time and will post the updated Terms on this page with a revised "Last Updated" date. Material changes will be notified to account holders by email. Your continued use after changes take effect constitutes acceptance.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Nothing in these Terms limits any non-waivable rights you have under the consumer protection laws of your place of residence.

16. Contact Us

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

Email: dailyiqme@gmail.com