Terms of Service

1. Introduction

2. Your Acceptance

Your use of the Site is subject to this Terms of Service Agreement and our Privacy Policy. Each time you use the Site, you agree to be bound by these Terms of Service. If you do not agree to all of these conditions, then you must immediately discontinue your use of the Site.

FactorLens may revise these Terms of Service at any time, and it is your responsibility to review them for changes. Your continued use of the Site following any revision will signify your acceptance of the revised Terms of Service.

You affirm that you are over the age of 18, as the Site is not intended for children under 18. If a registered user is discovered to be under 18 years of age, their account will be deleted.

3. Important Financial Disclaimer

You understand that no content published on the Site constitutes a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. None of our content is personalized investment advice tailored to your specific situation.

You understand that investment in any security is subject to risks, including:

• Market volatility and potential loss of principal
• Limited liquidity in certain securities
• Currency and interest rate fluctuations
• Economic and political uncertainties

Factor models are based on historical data and may not accurately predict future performance. Past performance is not indicative of future results. Factor exposures can change over time, and the models used may not capture all relevant risks.

All data displayed is supplied by sources believed to be reliable, but calculations and data are not guaranteed by these sources or FactorLens, and may not be complete or current.

4. No Investment Recommendations or Professional Advice

The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by FactorLens or any third party.

You are solely responsible for determining whether any investment, security or strategy is appropriate for you based on your investment objectives and personal financial situation. You should consult qualified professionals regarding your specific legal, tax, or financial situation.

5. User Conduct and Account Responsibilities

To access certain features of the Site, you may need to create an account. By creating an account, you agree to:

• Provide accurate and complete information
• Maintain the security of your account password
• Not share your account credentials with others
• Notify us immediately of any unauthorized use of your account
• Be responsible for all activity under your account

You agree not to:

• Use the Site for any unlawful purpose
• Attempt to interfere with the Site's security or functionality
• Use automated systems, robots, or scrapers to access the Site
• Upload viruses, malware, or other harmful code
• Impersonate another person or misrepresent your identity
• Violate any applicable laws or regulations

FactorLens reserves the right to terminate your access to the Site for violations of these terms, in our sole discretion.

6. Data and Information Disclaimer

The Site may provide financial market data, quotes, forecasts, research, and other information obtained from various sources including data providers, exchanges, and computational algorithms. All information is provided "as is" for educational purposes only.

We do not guarantee the accuracy, completeness, timeliness, or correct sequencing of any information provided. You agree that FactorLens and our data providers shall not be liable for any inaccuracies, delays, interruptions, or cessation in data provision.

While we strive to ensure data accuracy, errors can occur. You should independently verify any information before relying on it for investment decisions.

7. Intellectual Property Rights

The Site and its content, including text, graphics, logos, software, and other materials, are protected by copyright and other intellectual property laws. FactorLens and our licensors retain all proprietary rights in the content.

You may access and use the content for personal, non-commercial purposes only. You may not copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any content without prior written permission.

Certain data provided by third-party information providers is subject to additional restrictions and licensing terms.

8. Disclaimer of Warranties

We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components. We do not guarantee the accuracy or reliability of any content or results obtained through the Site.

Some jurisdictions do not allow the exclusion of implied warranties, so these exclusions may not apply to you.

9. Limitation of Liability

Our total liability for all damages shall not exceed the amount paid by you, if any, for accessing the Site during the six months prior to your claim.

Some jurisdictions do not allow the limitation of liability for incidental or consequential damages, so these limitations may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless FactorLens, its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including attorney's fees) arising from:

• Your use of the Site
• Your violation of these Terms of Service
• Your violation of any third-party rights
• Any content you submit or transmit through the Site

11. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

By using the Site, you consent to the collection, use, and sharing of your information as described in our Privacy Policy.

You may delete your account and associated data at any time through your account settings. Upon deletion, your personal data will be permanently erased from our systems.

12. Termination

FactorLens may terminate or suspend your access to the Site at any time, with or without cause, and with or without notice, for violations of these Terms of Service or for any other reason.

You may terminate your use of the Site at any time by discontinuing access and, if applicable, deleting your account.

Upon termination, your right to use the Site will immediately cease, and we may delete your account and associated data.

13. Governing Law and Jurisdiction

These Terms of Service are governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.

Any disputes arising from these Terms of Service or your use of the Site shall be subject to the exclusive jurisdiction of the federal and state courts located in Delaware.

If you access the Site from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

14. Changes to These Terms

FactorLens reserves the right to modify these Terms of Service at any time. We will notify users of material changes by posting the updated terms on the Site with a new "Last Updated" date.

Your continued use of the Site following any changes constitutes your acceptance of the modified Terms of Service.

If you do not agree to the modified terms, your sole remedy is to discontinue use of the Site.

15. Miscellaneous

Entire Agreement: These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and FactorLens regarding the Site.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

No Waiver: Our failure to enforce any right or provision of these Terms does not constitute a waiver of such right or provision.

Assignment: You may not assign these Terms without our prior written consent. FactorLens may assign these Terms without restriction.

16. Contact Information