MarketCrunch AI™BETA

MarketCrunch AI

Terms of Service

MarketCrunch AI, Inc.

Effective Date: Nov 4, 2025


1. Introduction & Acceptance

These Terms of Service (the "Terms") constitute a binding legal agreement between you and MarketCrunch AI, Inc., a Delaware corporation ("MarketCrunch AI," "we," "us," or "our"). These Terms govern your access to and use of our website at marketcrunch.ai and all related subdomains, dashboards, feeds, alerts, mobile applications, APIs, integrations, and any other services we provide (collectively, the "Service").

By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy (available at https://marketcrunch.ai/privacy), which is incorporated by reference. If you do not agree to these Terms, you may not access or use the Service.

We reserve the right to modify these Terms at any time in accordance with Section 19. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

These Terms constitute the entire agreement between you and MarketCrunch AI regarding the Service and supersede any prior agreements.


2. Eligibility & Account Registration

2.1 Age and Capacity. You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

2.2 Account Creation. To access certain features of the Service, you must create an account. We use Google Firebase authentication for account creation and login. By creating an account, you agree to:

  • Provide accurate, current, and complete information (including your name and email address);
  • Maintain and promptly update your account information;
  • Maintain the security and confidentiality of your account credentials;
  • Notify us immediately of any unauthorized access or security breach; and
  • Accept responsibility for all activities that occur under your account.

2.3 Account Security. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities conducted through your account. We are not liable for any loss or damage arising from your failure to protect your account information.


3. Description of the Service

MarketCrunch AI provides AI-driven research and analytical tools for educational and informational purposes related to financial markets. The Service includes, but is not limited to:

  • AI-Driven Stock Price Predictions: Machine learning models that generate predictions for next-day and next-week price movements of publicly traded securities;
  • Real-Time Algorithmic Feed: A Twitter-style feed delivering market insights, news classifications, and sentiment analysis based on price action and market data;
  • Options Calculator: Tools that estimate potential gains and losses for options strategies based on MarketCrunch AI's price targets and user-specified parameters;
  • Broker Integration & Alerts: Integration with your brokerage account via Plaid to provide read-only access to holdings and deliver non-personalized, automated alerts regarding securities you hold.

The Service is a research and educational tool only. We do not execute trades, hold custody of funds or securities, provide individualized advice, or perform any brokerage, advisory, or fiduciary functions. All outputs are impersonal and algorithmic in nature.


4. No Investment Advice; Not Registered; No Fiduciary Duty

4.1 Not Investment Advice. MarketCrunch AI provides impersonal, general-purpose research and educational content. We do not provide investment, legal, tax, accounting, or financial advice; we do not make recommendations or determinations about the suitability of any security or strategy for any person; and we do not execute trades.

The Service does not constitute:

  • Investment advice or recommendations;
  • An offer to buy or sell securities;
  • Individualized counsel regarding your financial situation;
  • A solicitation or endorsement of any particular security, strategy, or course of action; or
  • Any form of personalized financial planning or advisory service.

4.2 Not a Registered Entity. MarketCrunch AI is not a broker-dealer, investment adviser, commodity trading advisor, financial planner, or money services business. We are not registered with the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), the Commodity Futures Trading Commission (CFTC), or any similar regulatory authority in any jurisdiction.

We do not provide services that require such registration, and nothing in the Service should be construed as requiring or implying such registration.

4.3 No Fiduciary Duty. We owe you no fiduciary duty or similar obligation. We do not assess the suitability of any investment for your particular circumstances, risk tolerance, financial situation, or investment objectives.

4.4 Your Responsibility. You are solely responsible for your investment decisions. Before making any investment decision, you should:

  • Conduct your own research and due diligence;
  • Consult with qualified legal, tax, accounting, and financial advisers;
  • Review all relevant offering documents, disclosures, and risk factors; and
  • Evaluate the suitability of any investment in light of your own financial circumstances, risk tolerance, and investment objectives.

Do not rely on the Service as the basis for any investment decision.


5. Market, Options, and Trading Risk Disclosure

5.1 General Market Risks. Investing in securities involves substantial risk of loss. You may lose some or all of your invested capital. Market conditions, economic factors, geopolitical events, and other variables can cause rapid and substantial fluctuations in security prices.

5.2 Options and Leveraged Trading. Options involve a high degree of risk and are not suitable for all investors. Options trading can result in the total loss of your investment in a short period of time. Factors affecting option prices include, but are not limited to:

  • Changes in the underlying security's price, volatility, and liquidity;
  • Time decay;
  • Changes in interest rates;
  • Dividend payments; and
  • Market sentiment and other factors.

Before trading options, you must review the Characteristics and Risks of Standardized Options disclosure document (the "Options Disclosure Document" or "ODD") provided by your broker and available from The Options Clearing Corporation. You should carefully consider your investment objectives, risk tolerance, and financial situation before engaging in options trading.

5.3 No Suitability Determination. MarketCrunch AI does not assess the suitability of any security, strategy, or investment for any user. The outputs provided by the Service are impersonal and do not take into account your individual circumstances, risk tolerance, financial situation, or investment objectives.

5.4 Volatility and Liquidity. Certain securities, particularly smaller-capitalization stocks, leveraged instruments, and derivatives, may be subject to extreme price volatility and limited liquidity. Trading in such securities can result in rapid and substantial losses.


6. Performance, Backtesting & Testimonials Disclaimers

6.1 Hypothetical and Illustrative Results. All performance figures, backtests, hit rates, price targets, confidence scores, compound annual growth rates (CAGR), examples, and similar metrics presented on the Service are hypothetical and provided for illustrative purposes only.

Hypothetical performance results have many inherent limitations, including but not limited to:

  • Survivorship bias: Backtests may exclude securities that failed, were delisted, or otherwise ceased trading;
  • Look-ahead bias: Models may inadvertently incorporate information that would not have been available at the time;
  • Overfitting: Models may be optimized to historical data in ways that do not generalize to future conditions;
  • Market impact: Hypothetical results do not account for the impact that actual trades would have on market prices and liquidity;
  • Trading costs: Hypothetical results may not fully reflect transaction costs, commissions, fees, slippage, and taxes;
  • Model changes: Actual models and strategies may differ materially from those used in backtests;
  • Changed conditions: Historical market conditions, volatility, and correlations may not persist in the future.

6.2 Past Performance. Past performance, whether actual or hypothetical, is not indicative of future results. No representation is being made that any account, product, or strategy will or is likely to achieve profits or losses similar to those shown in any backtest, example, or performance metric.

6.3 Testimonials. Testimonials and user reviews presented on the Service represent the individual experiences of those users and are not typical. Testimonials are provided voluntarily and without compensation. They do not guarantee that you will experience similar results. No representation is made that any user will or is likely to achieve results similar to those described in testimonials.

6.4 Predictive Confidence and Accuracy Metrics. Any "predictive confidence," "accuracy," "hit rate," or similar metric is based on historical analysis and simulations. These metrics are subject to the limitations described above and should not be relied upon as an indicator of future accuracy or performance.

6.5 Substantiation of Performance Claims. Any stated accuracy, hit rate, confidence, price target, or CAGR shown in the Service or marketing must be current, accurate, and reasonably substantiated by documented methodologies. We may modify or remove claims that become inaccurate or insufficiently supported.


7. Data Sources; Timeliness; Alerts

7.1 Third-Party Data. The Service relies on market data, news, financial information, and other content obtained from third-party vendors, including but not limited to Alpaca Markets and Polygon.io. We do not independently verify third-party data and make no representations or warranties regarding the accuracy, completeness, timeliness, or reliability of such data.

Third-party data may be:

  • Delayed (data feeds may not be real-time);
  • Incomplete or missing key information;
  • Inaccurate or subject to errors and omissions; or
  • Subject to revisions, restatements, or corrections.

7.2 News Classification and Sentiment Analysis. Our algorithmic news classification and sentiment analysis systems may misclassify events, misinterpret sentiment, or fail to capture the full context of market-moving information. You should not rely solely on our classifications or sentiment scores.

7.3 No Real-Time Guarantee. We do not guarantee that any data, prediction, alert, or other output will be delivered in real time or on any particular schedule. Delays may occur due to data provider latency, network conditions, system maintenance, or other factors.

7.4 Alerts and Notifications. Alerts and notifications regarding your holdings or other market events are provided on a best-efforts basis only. We do not guarantee the delivery, timeliness, accuracy, or completeness of any alert. Alerts may be delayed, throttled, filtered, or may fail to deliver due to technical issues, network conditions, device settings, or other factors beyond our control.

You should not rely on alerts as your sole or primary method of monitoring your investments or the markets. You remain responsible for actively monitoring your portfolio and market conditions.


8. Brokerage Connections via Plaid

8.1 Integration Overview. The Service allows you to link your brokerage account(s) using Plaid Technologies, Inc. ("Plaid"). This integration enables the Service to retrieve read-only information about your holdings and provide non-personalized alerts.

8.2 User-Initiated; Your Responsibility. Linking your brokerage account is entirely voluntary and initiated by you. By linking an account, you:

  • Authorize Plaid and MarketCrunch AI to access read-only information about your account and holdings;
  • Represent that you have the authority to provide such authorization;
  • Acknowledge that you are responsible for the accuracy of any information provided to Plaid and your broker;
  • Understand that MarketCrunch AI does not control Plaid, your broker, or their systems and is not responsible for their acts or omissions; and
  • Agree to comply with your broker's terms of service.

8.3 Scope of Access. The integration provides read-only access to holdings and account information. MarketCrunch AI does not execute trades, place orders, or transmit instructions to your broker on your behalf. All trading decisions and execution remain entirely under your control through your broker's platform.

8.4 Non-Personalized Outputs. Even after linking your brokerage account, all outputs and alerts provided by the Service remain impersonal, algorithmic, and non-advisory in nature. Alerts are generated based on algorithmic rules and do not constitute personalized advice or recommendations.

8.5 Third-Party Responsibility. Plaid and your broker operate under their own terms of service and privacy policies, which you must comply with. MarketCrunch AI is not responsible for:

  • Plaid's or your broker's systems, availability, security, or data practices;
  • Delays, errors, or failures in data transmission between Plaid, your broker, and MarketCrunch AI;
  • Actions taken by Plaid or your broker, including suspension or termination of access;
  • Any trading losses, missed opportunities, or other damages arising from the brokerage integration; or
  • Any breach of your broker's terms of service.

You acknowledge that disruptions in the Plaid integration or your broker's systems may affect the availability or accuracy of alerts and related features.


9. Acceptable Use Policy

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

  • Violate Laws: Use the Service in any manner that violates applicable federal, state, local, or international law or regulation, including but not limited to securities laws, export control laws, or laws prohibiting market manipulation or insider trading;
  • Scrape or Harvest: Use any robot, spider, scraper, crawler, or other automated means to access, monitor, extract, or copy any content from the Service, except as expressly permitted by us in writing or through documented API rate limits;
  • Reverse Engineer: Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, underlying algorithms, models, or proprietary methods used in the Service;
  • Competitive Use: Use the Service to develop, train, test, or improve a competing product or service, or to conduct competitive analysis, benchmarking studies, or performance comparisons that are published or distributed publicly;
  • Circumvent Restrictions: Attempt to bypass, disable, or interfere with any security features, access controls, rate limits, paywalls, or usage restrictions of the Service;
  • Interfere with Operations: Engage in any activity that disrupts, degrades, or impairs the Service or interferes with any other user's access to or use of the Service, including denial-of-service attacks, flooding, or excessive automated queries;
  • Misrepresent Identity: Impersonate any person or entity, falsely state or misrepresent your affiliation with any person or entity, or use a false identity;
  • Unauthorized Access: Access or attempt to access any systems, accounts, or data not intended for you, or probe, scan, or test the vulnerability of any system or network;
  • Market Manipulation: Use the Service to engage in or facilitate market manipulation, wash trading, spoofing, layering, front-running, or other manipulative or deceptive trading practices;
  • Redistribute Content: Reproduce, distribute, publicly display, sell, lease, sublicense, or otherwise transfer any content, outputs, predictions, or data from the Service at scale or for commercial purposes without our prior written consent;
  • Violate Third-Party Rights: Infringe or violate the intellectual property, privacy, publicity, or other rights of MarketCrunch AI or any third party; or
  • Prohibited Jurisdictions: Access or use the Service from a sanctioned country or jurisdiction, or in violation of any applicable export control or economic sanctions laws.

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account and access to the Service, and may expose you to civil and criminal liability.


10. Subscriptions, Billing, Auto-Renewal, Cancellation, No Refunds

10.1 Subscription Plans. Certain features of the Service require a paid subscription. Available subscription plans, pricing, and billing intervals (monthly, annually, or otherwise) are displayed on the Service and may be updated from time to time.

10.2 Payment Processing. All payments are processed by Stripe, Inc. ("Stripe"). By subscribing, you authorize MarketCrunch AI and Stripe to charge the payment method you provide for the applicable subscription fees and any applicable taxes.

You represent and warrant that:

  • You have the legal right to use the payment method provided;
  • The information you provide to Stripe is accurate and complete; and
  • You will promptly update your payment information if it changes.

10.3 Automatic Renewal. PAID SUBSCRIPTIONS AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD AT THE THEN-CURRENT SUBSCRIPTION PRICE AND BILLING INTERVAL UNLESS YOU CANCEL BEFORE THE RENEWAL DATE.

Renewal charges will be processed automatically using the payment method on file. You are responsible for ensuring that your payment information is current and that you have sufficient funds or credit available.

10.4 Cancellation. You may cancel your subscription at any time by navigating to Profile → Cancel within your account settings.

Cancellation takes effect at the end of your current billing period. You will retain access to paid features until the end of the period for which you have paid.

Cancellation does not entitle you to a refund for any unused portion of your subscription.

Upon cancellation, your subscription will not renew, and you will not be charged for subsequent billing periods.

10.5 No Refunds. ALL SALES ARE FINAL. WE DO NOT PROVIDE REFUNDS OR CREDITS FOR ANY SUBSCRIPTION FEES, INCLUDING PARTIAL MONTHS OR YEARS, EARLY CANCELLATIONS, OR DISSATISFACTION WITH THE SERVICE.

In the event of termination or suspension of your account for violation of these Terms, you forfeit any remaining subscription period and are not entitled to any refund.

10.6 Price Changes. We reserve the right to change subscription prices at any time. Price changes will take effect at the start of your next billing period after we provide you with advance notice (typically at least 30 days).

You will have the opportunity to cancel your subscription before the price change takes effect if you do not wish to pay the new price. Continued use of the Service after a price change constitutes acceptance of the new price.

10.7 Taxes. You are responsible for all taxes (including sales, use, value-added, and similar taxes) associated with your subscription, except for taxes based on MarketCrunch AI's net income. If we are required to collect or remit taxes, such amounts will be added to your subscription fees.

10.8 Free Trials. We may offer free trial periods for certain subscription plans. If you do not cancel before the end of the free trial period, your paid subscription will begin automatically and you will be charged the applicable subscription fee. Free trial eligibility may be limited, and we reserve the right to revoke free trial access at any time.


11. Intellectual Property; License; Feedback

11.1 Ownership. The Service, including all software, algorithms, models, user interfaces, dashboards, text, graphics, logos, icons, data compilations, outputs, predictions, and all other content and materials (collectively, "MarketCrunch Content"), is owned by MarketCrunch AI or its licensors and is protected by U.S. and international intellectual property laws.

All right, title, and interest in and to the Service and MarketCrunch Content, including all intellectual property rights, belong exclusively to MarketCrunch AI. These Terms do not transfer any ownership rights to you.

11.2 Limited License to Users. Subject to your compliance with these Terms, MarketCrunch AI grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial research and educational purposes (or, if you are an enterprise customer, solely for your internal business purposes).

This license does not permit you to:

  • Reproduce, distribute, modify, create derivative works of, publicly display, or publicly perform any MarketCrunch Content;
  • Use MarketCrunch Content for any commercial purpose outside your internal business operations (for enterprise customers);
  • Redistribute, resell, sublicense, or transfer access to the Service or any outputs;
  • Extract predictions, data, or outputs at scale for use in building, training, or improving any competing service or product;
  • Publish, display, or distribute MarketCrunch Content or outputs publicly, including in benchmarking studies, academic papers, or competitive analyses, without our prior written consent; or
  • Use MarketCrunch Content in any manner that violates the Acceptable Use Policy.

11.3 Usage Data and Preferences. You acknowledge and agree that MarketCrunch AI owns all data regarding your usage of the Service, including logs of your inputs and outputs, feature usage, preferences, and interaction patterns ("Usage Data"). We may use Usage Data to operate, maintain, improve, and secure the Service, subject to our Privacy Policy.

We do not use your inputs or Usage Data to train our machine learning models on your individual data, but we may use aggregated, anonymized Usage Data for research, analytics, and product development purposes.

11.4 Feedback License. If you provide any suggestions, comments, feedback, ideas, or other input regarding the Service ("Feedback"), you grant MarketCrunch AI a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, reproduce, modify, distribute, and commercialize such Feedback for any purpose without compensation or attribution to you.


12. Third-Party Services & Links

12.1 Third-Party Providers. The Service integrates with and relies upon third-party services, including:

  • Stripe: Payment processing;
  • Plaid: Brokerage account linking and data retrieval;
  • Alpaca Markets and Polygon.io: Market data;
  • Amazon Web Services (AWS) and Google Cloud Platform (GCP): Cloud hosting and infrastructure;
  • OpenAI and DeepSeek: AI model providers used to generate certain outputs as our processors. They process data solely to provide the Service at our direction and do not use your data to train their models.
  • Google Firebase: Authentication;
  • Google Analytics: Usage analytics; and
  • Other vendors and service providers as described in our Privacy Policy.
  • Alphavantage (free version) for news

12.2 No Control; No Responsibility. MarketCrunch AI does not control these third-party services and is not responsible for:

  • The availability, reliability, security, or performance of third-party services;
  • Any changes to third-party terms of service, privacy policies, or pricing;
  • Any data breaches, outages, errors, or failures of third-party services;
  • Any actions, omissions, or misconduct by third-party providers; or
  • Any loss, damage, or harm arising from your use of third-party services.

12.3 Third-Party Terms. Your use of third-party services is governed by the applicable third-party's terms of service and privacy policy. You are responsible for reviewing and complying with all such terms. Links to third-party terms may be provided on the Service, but you are responsible for locating and reviewing the current versions.

12.4 External Links. The Service may contain links to third-party websites, resources, or services for your convenience. MarketCrunch AI does not endorse, control, or assume responsibility for any third-party content, and accessing such links is at your own risk.


13. Privacy; Cookies; Analytics

13.1 Privacy Policy. Your use of the Service is also governed by our Privacy Policy, available at https://marketcrunch.ai/privacy and incorporated into these Terms by reference. Please review the Privacy Policy to understand how we collect, use, store, and protect your information.

13.2 Summary of Data Practices. In summary (and without limiting the Privacy Policy):

  • Account Information: We collect your name and email address via Google Firebase authentication;
  • Usage Data: We log inputs, outputs, and usage patterns to operate and improve the Service;
  • Cookies and Analytics: We use cookies and Google Analytics to analyze usage and improve the Service;
  • Data Storage: Data is stored on servers located in the United States;
  • Data Security: We implement password protection and access controls, but no system is completely secure;
  • No Model Training on Individual Data: We do not use your individual inputs or Usage Data to train machine learning models, but we may use aggregated, anonymized data for research and product improvement;
  • Brokerage Data: When you link your brokerage account via Plaid, we receive read-only information about your holdings for the purpose of delivering alerts. This data flow is governed by Plaid's and your broker's terms and policies.

13.3 Data Subject Requests. If you wish to access, correct, delete, or export your personal data, please contact us at info@marketcrunch.ai (or privacy@marketcrunch.ai if such an address is established). We will respond to requests in accordance with applicable law.

Data subject rights are currently processed manually. We will make reasonable efforts to respond within 30 days, but response times may vary depending on the complexity of the request.

13.4 Cookies. We use cookies and similar technologies to provide, secure, and improve the Service. By using the Service, you consent to our use of cookies as described in the Privacy Policy. Most web browsers allow you to control cookies through settings, but disabling cookies may limit your ability to use certain features.


14. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MARKETCRUNCH AI AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, THE "MARKETCRUNCH PARTIES") DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT;
  • WARRANTIES REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS, OR QUALITY OF ANY CONTENT, DATA, PREDICTIONS, OR OUTPUTS;
  • WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS;
  • WARRANTIES THAT DEFECTS WILL BE CORRECTED OR THAT THE SERVICE WILL MEET YOUR REQUIREMENTS; AND
  • WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

The MarketCrunch Parties make no representations or warranties regarding:

  • The accuracy, reliability, or timeliness of market data, predictions, backtests, or any other content;
  • The availability, security, or functionality of the Service or any third-party services;
  • The suitability of any investment, strategy, or security for any user;
  • The results you may or may not achieve by using the Service; or
  • Whether the Service or any content complies with laws or regulations applicable to you.

You acknowledge that:

  • The Service is subject to limitations, delays, and errors inherent in internet-based services and third-party data;
  • Machine learning models and predictions are inherently uncertain and subject to error;
  • Market conditions are volatile and unpredictable; and
  • You use the Service entirely at your own risk.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. In such jurisdictions, our liability is limited to the greatest extent permitted by law.


15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE MARKETCRUNCH PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF OR INABILITY TO USE THE SERVICE, INCLUDING BUT NOT LIMITED TO:

  • LOST PROFITS, TRADING LOSSES, OR INVESTMENT LOSSES;
  • LOSS OF DATA, REVENUE, GOODWILL, OR BUSINESS OPPORTUNITIES;
  • BUSINESS INTERRUPTION;
  • COST OF SUBSTITUTE SERVICES;
  • FAILURE TO REALIZE EXPECTED GAINS OR AVOID LOSSES;
  • DAMAGES ARISING FROM RELIANCE ON ANY CONTENT, DATA, PREDICTION, OR OUTPUT;
  • DAMAGES ARISING FROM ERRORS, DELAYS, INTERRUPTIONS, OR UNAVAILABILITY OF THE SERVICE;
  • DAMAGES ARISING FROM THIRD-PARTY SERVICES, INCLUDING PLAID, STRIPE, BROKERS, OR DATA PROVIDERS; OR
  • ANY OTHER DAMAGES, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF THE MARKETCRUNCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF THE MARKETCRUNCH PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT, OR OTHERWISE, SHALL NOT EXCEED THE TOTAL AMOUNT OF SUBSCRIPTION FEES YOU PAID TO MARKETCRUNCH AI FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

If you have not paid any fees, our total liability shall not exceed $100.

The limitations in this section apply:

  • Regardless of the form of action (contract, tort, negligence, strict liability, or otherwise);
  • Even if any limited remedy fails of its essential purpose; and
  • To the fullest extent permitted by applicable law.

Some jurisdictions do not allow the limitation or exclusion of liability for certain types of damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability is limited to the greatest extent permitted by law.


16. Indemnification

You agree to indemnify, defend, and hold harmless the MarketCrunch Parties from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:

  • Your use or misuse of the Service;
  • Your violation of these Terms, including the Acceptable Use Policy;
  • Your violation of any applicable law, regulation, or third-party right;
  • Your investment decisions or trading activities;
  • Any content, Feedback, or other materials you submit to the Service;
  • Any dispute between you and a third party (including your broker, Plaid, or any other user);
  • Your breach of any representation or warranty in these Terms; or
  • Any negligent or wrongful conduct by you.

MarketCrunch AI reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims. You will not settle any claim that affects MarketCrunch AI without our prior written consent.

This indemnification obligation survives termination of these Terms and your use of the Service.


17. Arbitration; Class Action Waiver; Governing Law

17.1 Governing Law. These Terms and any disputes arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.

17.2 Agreement to Arbitrate. You and MarketCrunch AI agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (each, a "Dispute") shall be resolved by binding arbitration on an individual basis, rather than in court, except as set forth below.

Arbitration uses a neutral arbitrator instead of a judge or jury, and is subject to limited review by courts. Arbitration may be more limited in discovery than court proceedings.

17.3 Arbitration Procedures. Arbitration shall be conducted by JAMS under its Comprehensive Arbitration Rules and Procedures (available at www.jamsadr.com) or, alternatively, by the American Arbitration Association (AAA) under its Commercial Arbitration Rules (available at www.adr.org), as selected by the party initiating the arbitration.

  • Location: Arbitration shall take place in Delaware or, at your option, in the federal judicial district in which you reside.
  • Costs: Each party will be responsible for its own arbitration fees and costs, except that MarketCrunch AI will pay your share of arbitration filing fees if applicable law requires or if you demonstrate that such fees would be prohibitive compared to litigation costs.
  • Arbitrator Authority: The arbitrator may award any relief that a court could award, including attorneys' fees and costs, if authorized by law. The arbitrator's decision shall be final and binding, except for limited rights of appeal under the Federal Arbitration Act.

17.4 Class Action Waiver. YOU AND MARKETCRUNCH AI AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, REPRESENTATIVE, OR COLLECTIVE ACTION OR PROCEEDING.

CLASS ARBITRATIONS, CLASS ACTIONS, PRIVATE ATTORNEY GENERAL ACTIONS, CONSOLIDATION WITH OTHER ARBITRATIONS, AND REPRESENTATIVE ACTIONS ARE NOT PERMITTED. Only individual relief is available.

If a court or arbitrator determines that this class action waiver is unenforceable as to a particular claim or request for relief, then that claim or request for relief shall be severed and proceeded with in court, while any remaining claims shall be arbitrated.

17.5 Jury Trial Waiver. YOU AND MARKETCRUNCH AI WAIVE ANY RIGHT TO A JURY TRIAL FOR ANY DISPUTE.

17.6 Exceptions to Arbitration. Notwithstanding the foregoing, either party may seek equitable or injunctive relief in any court of competent jurisdiction to protect intellectual property rights, confidential information, or to prevent irreparable harm. Additionally, you may bring a claim in small claims court if it qualifies and remains in small claims court.

17.7 Opt-Out Right. You have the right to opt out of this arbitration agreement. To opt out, you must notify MarketCrunch AI in writing within 30 days of first accepting these Terms. Your opt-out notice must include:

  • Your full name;
  • Your email address associated with your MarketCrunch AI account;
  • A clear statement that you wish to opt out of the arbitration agreement; and
  • Your signature (electronic signature is acceptable).

Send your opt-out notice to:

MarketCrunch AI, Inc.
Attn: Arbitration Opt-Out
490 Post St. STE 500 #2010, San Francisco, CA 94102
Email: info@marketcrunch.ai

If you opt out, all other terms of these Terms will continue to apply, but disputes will be resolved in court rather than arbitration. Opting out of arbitration does not affect any other provisions of these Terms.

17.8 Changes to Arbitration Terms. If MarketCrunch AI makes any material changes to this arbitration section (other than a change to the mailing address), you may reject the change by sending written notice to the address above within 30 days of the change. Rejection of a material change does not affect any other provisions of these Terms or any prior agreement to arbitrate.


18. Export & Sanctions; Geographic Restrictions

18.1 Export Controls. The Service and the underlying technology may be subject to U.S. export control and economic sanctions laws and regulations. You agree to comply with all applicable export control and sanctions laws, including the Export Administration Regulations (EAR) and regulations administered by the U.S. Treasury Department's Office of Foreign Assets Control (OFAC).

You represent and warrant that:

  • You are not located in, organized under the laws of, or a resident of any country or territory subject to comprehensive U.S. sanctions (including, as of the Effective Date, Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine);
  • You are not identified on any U.S. government restricted party list, including the Specially Designated Nationals and Blocked Persons List, the Entity List, or the Denied Persons List;
  • You will not access or use the Service in violation of any U.S. export embargo, prohibition, or restriction; and
  • You will not use the Service for any purpose prohibited by applicable law, including proliferation of weapons of mass destruction.

18.2 Geographic Restrictions. The Service is controlled and operated from the United States. We make no representation that the Service is appropriate, available, or legal for use in other jurisdictions.

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

We reserve the right to restrict access to the Service in any jurisdiction at any time, with or without notice.


19. Changes to Terms; Termination; Survival

19.1 Changes to Terms. We reserve the right to modify these Terms at any time. When we make changes, we will:

  • Update the "Effective Date" at the top of these Terms;
  • Post the revised Terms on the Service; and
  • Provide notice of material changes through the Service, by email, or by other reasonable means.

Your continued use of the Service after changes are posted constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service and cancel your subscription.

19.2 Termination by You. You may terminate your account and discontinue use of the Service at any time by following the cancellation process described in Section 10.4. Termination does not entitle you to a refund of any subscription fees.

19.3 Termination or Suspension by MarketCrunch AI. We reserve the right, in our sole discretion and without prior notice, to:

  • Suspend or terminate your access to the Service;
  • Deactivate or delete your account; and
  • Remove or delete any content or data associated with your account.

Grounds for termination or suspension include, but are not limited to:

  • Violation of these Terms, including the Acceptable Use Policy;
  • Conduct that we believe may harm MarketCrunch AI, other users, or third parties;
  • Suspected fraudulent, abusive, or illegal activity;
  • Extended periods of inactivity;
  • Required by law or legal process; or
  • For any reason or no reason, at our discretion.

If we terminate or suspend your account for violation of these Terms, you forfeit any remaining subscription period and are not entitled to a refund.

19.4 Effect of Termination. Upon termination or expiration of your account:

  • Your license to use the Service immediately terminates;
  • You must cease all use of the Service;
  • We may delete your account data and any content associated with your account, subject to our Privacy Policy and applicable law; and
  • Sections that by their nature should survive termination (including Sections 4, 6, 11, 14, 15, 16, 17, and 19.5) will survive termination.

19.5 Survival. The following provisions survive termination or expiration of these Terms: No Investment Advice; Performance Disclaimers; Intellectual Property; Feedback License; Disclaimer of Warranties; Limitation of Liability; Indemnification; Arbitration and Governing Law; and any other provisions that by their nature should survive.


20. Contact

If you have questions about these Terms or the Service, please contact us at:

MarketCrunch AI, Inc.
Email: info@marketcrunch.ai
Privacy Inquiries: privacy@marketcrunch.ai

For data subject requests (access, correction, deletion, export), please email info@marketcrunch.ai or privacy@marketcrunch.ai with the subject line "Data Request". We will respond in accordance with applicable law.


By using MarketCrunch AI, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you must discontinue use of the Service immediately.

Last Updated: Nov 4, 2025