Terms & Conditions

We provide an AI-powered educational platform that simplifies stock market data and analysis to help beginner investors learn about stocks and financial markets, including AI-generated stock summaries, structured interactive lessons, and a token-based system for accessing AI insights (Services).

In these Terms, when we say you or your, we mean you as an individual if you are accepting these Terms for yourself. If you are accepting these Terms on behalf of an entity (such as your employer) and you are authorised to do so, then you or your means that entity. When we say we, us, or our, we mean Stocksguide.AI Ltd, a company registered in England and Wales with company number 16945001.

Our contact details:
Geographical address: 128 City Road, London, United Kingdom, EC1V 2NX
Email address: support@learnstocks.ai

These terms and conditions (Terms) form our contract with you, and set out our obligations as a service provider and your obligations as a customer. We will provide the Services to you in accordance with these Terms and all applicable law.

Your right to change your mind

The following applies only where your use of the Services is as a ‘consumer’ under the Consumer Rights Act 2015:

• Except as set out below, you have the right to cancel your purchase of the Services, and receive a full refund of the Fees, without giving any reason, any time up to 14 days after the day you accept these Terms (Cancellation Period).
• When you don't have the right to change your mind: We agree not to provide the Services to you during the Cancellation Period, unless you make an express request for us to do so. You acknowledge and agree that after you have accepted these Terms, if you instruct us to provide you with the Services (including by logging into the Services) during the Cancellation Period, this will be taken to be an express request by you, and you will lose your right to cancel.
• Tell us you want to cancel these Terms: If you want to cancel or terminate these Terms in accordance with this clause, you should contact us using the contact details set out at the start of these Terms.
• When your refund will be made: We will refund you within 14 days of you telling us you have changed your mind.

1. Engagement and Term

1. These Terms apply from the time you agree to these Terms, until the date these Terms are terminated in accordance with their Terms (Term).
2. Subject to your compliance with these Terms, we will provide you with access to the Services.
3. We will not be responsible for any other services unless expressly set out in these Terms or on our Site.
4. If we provide you with access to any new or beta Services, you acknowledge that because of the developmental nature of such Services, you use them at your own risk and we have no obligation to maintain or provide error corrections. Any new or beta Services we provide you with access to are for evaluation purposes only and not for production use, and we may discontinue those Services at any time at our sole discretion.
5. We may amend these Terms at any time, by providing written notice to you. By clicking “I accept” or continuing to use the Services after the notice or 30 days after notification (whichever date is earlier), you agree to the amended Terms. If you do not agree to the amendment, you should cease using the Services. If you have paid upfront for recurring access to any of the Services (excluding one-time purchases) and you would like to cancel them, please contact us in writing within 30 days of receiving notice to cancel that recurring access and we will issue you a pro-rata refund for such Services.

2. Account

1. You must sign up for an Account in order to access and use the Services. You must be at least 16 years of age to set up an Account.
2. You may create an Account using a supported third-party single sign-on provider (such as Google, Facebook, Clerk, or Apple) (SSO Provider). Where you use an SSO Provider to create or access your Account, you may be subject to that SSO Provider's own terms and conditions, and we are not responsible for the services provided by any SSO Provider.
3. While you have an Account with us, you agree to:
   • keep your information up-to-date (and ensure it remains true, accurate and complete);
   • keep usernames and passwords secure and confidential, and protect them from misuse or being stolen; and
   • notify us if you become aware of, or have reason to suspect, any unauthorised access to your Account or any logins linked to your Account.
4. If you close your Account, you will lose access to the Services.

3. Fees

1. You may choose to purchase Services from us, as set out on our Site (Paid Services). Paid Services may include one-time purchases or recurring Services. You must pay all amounts due under these Terms in accordance with these Terms or as set out on our Site (as applicable).
2. We may offer free trials for certain Paid Services, which may include limited access to the platform and a limited number of tokens. At the end of the free trial, you will either begin to be charged for the relevant Paid Service or lose access to it (unless you sign up to it as a Paid Service), as specified in the trial offer you sign up to.
3. Details of our Paid Services, including features, limitations, fees and billing cycles (for recurring Services) are set out on our Site. For recurring Services, you will be billed on a regular basis, as set out on our Site, at the beginning of each billing cycle. All other Paid Services must be paid for at the time you order the Service.
4. You may upgrade or downgrade any recurring Services at any time through your Account. Changes to your recurring Services will take effect as follows:
   • Upgrades: Immediately, with pro-rata charges applied for the current billing cycle.
   • Downgrades: At the beginning of the next billing cycle.
5. Cancellation: All recurring Services continue for the agreed Service Term (that you selected when purchasing the Service) (Service Term). At the end of each Service Term, provided you have paid all fees owing, your recurring Services will be automatically renewed for recurring monthly periods (each of which will be considered a Service Term). If you wish to cancel your recurring Services, you may do so through your Account. Your cancellation will take effect at the end of your current Service Term, and the Services will not be renewed.
6. Tokens: Where your subscription includes a token allowance, you will receive a set number of tokens per billing cycle (Token Allowance) as specified on our Site. Tokens may be used to access certain features of the Services, including AI-generated stock analysis and insights. Any unused tokens at the end of a billing cycle will not be carried forward to the next billing cycle. You may purchase additional tokens on a pay-as-you-go basis at any time through your Account, as set out on our Site. Additional tokens purchased on a pay-as-you-go basis are non-refundable once purchased.
7. Our payment methods will be set out at the time you purchase the Services. If you choose to pay your fees using one of our third-party payment processors, you may need to accept their terms and conditions.
8. You must not pay, or attempt to pay, any fees due under these Terms or as a result of your use of the Services by fraudulent or unlawful means. If you make payment by debit or credit card, you must be the authorised card holder.
9. If any fees due under these Terms or as a result of your use of the Services are not paid on time, we may:
   • suspend your access to the Services; and
   • charge interest at a rate equal to the Bank of England's base rate, from time to time, plus 4% per annum, calculated daily and compounding monthly.
10. You are responsible for paying any levies or taxes associated with your use of the Services, for example sales taxes, value-added taxes or withholding taxes (unless we are required by law to collect these on your behalf).
11. We will display the fees including all fees, taxes and additional amounts to be paid.

4. Licence

1. During the Term, we grant you a right to use our basic Services in accordance with these Terms. This right cannot be passed on or transferred to any other person.
2. When you purchase our Paid Services, your access rights will vary based on the type of service. For one-time purchases, we grant you the right to access the purchased Service until the earlier of the specified duration of access, the termination of these Terms or your cancellation of the specific Service. For recurring services, we grant you a right to access the relevant Services only for the duration that you continue to pay for the Service, subject to these Terms.
3. Each Account is personal to the individual or entity that registered it. You must not share your Account, login credentials, or access to the Services or any Paid Services with any other individual or entity.
4. You must not:
   1. access or use the Services in any way that is improper or breaches any laws, infringes any person's rights, or gives rise to any civil or criminal liability;
   2. interfere with or interrupt the supply of the Services, or any other person's access to or use of the Services;
   3. introduce any viruses or other malicious software code into the Services;
   4. use any unauthorised or modified version of the Services, including for the purpose of building similar or competitive software;
   5. attempt to access any data or log into any server or account that you are not expressly authorised to access;
   6. use the Services in any way that involves service bureau use, outsourcing, renting, reselling, sublicensing, concurrent use of a single user login, or time-sharing;
   7. circumvent user authentication or security of any of our networks, accounts or hosts or those of any third party;
   8. access or use the Services to transmit, publish or communicate material that is defamatory, offensive, abusive, indecent, menacing, harassing or unwanted; or
   9. use the Services if you are not based in the United Kingdom, or use a virtual private network (VPN) or any other tool or method to circumvent this geographical restriction or to disguise your location.

5. Consumer Cancellation Right

1. This clause 5 applies to the extent that you purchase Services from us as a “consumer”, as defined in the Consumer Rights Act 2015.
2. Subject to clauses 5.3 and 5.5, you may cancel the Services within 14 days of your acceptance of these Terms (Cancellation Period).
3. Unless you expressly request us to commence the provision of the Services during the Cancellation Period, we will not commence the provision of the Services during the Cancellation Period. Where you expressly request us to commence the provision of the Services during the Cancellation Period, you will lose your right to cancel the Services if the relevant Services are fully performed by us.
4. If you exercise your right to cancel the Services under this clause 5, you will be liable to pay to us an amount for the relevant Services supplied up to when you inform us that you intend to cancel, proportionate to the full fees for the relevant Services.
5. You do not have a right to change your mind and cancel these Terms in respect of Services that have been performed during the Cancellation Period, where you have expressly requested us to commence the provision of the Services during that period.
6. If you want to cancel the Services, you should email us using the contact details at the start of these Terms.
7. Subject to clauses 5.3 and 5.5, where you have paid any fees upfront and have cancelled the Services in accordance with this clause 5, we will provide you with a refund within 14 days of you telling us that you have changed your mind.

6. Availability, Disruption and Downtime

1. While we strive to always make the Services available to you, we do not make any promises that these will be available 100% of the time. The Services may be disrupted during certain periods, including, for example, as a result of scheduled or emergency maintenance.
2. The Services may interact with, or be reliant on, products or services provided by third parties, such as cloud hosting service providers. To the maximum extent permitted by law, we are not liable for disruptions or downtime caused or contributed to by these third parties.
3. We will try to provide you with reasonable notice, where possible, of any disruptions to your access to the Services.

7. Intellectual Property and Data

1. We own all intellectual property rights in the Services. This includes how the Services look and function, as well as our copyrighted works, trademarks, inventions, designs and other intellectual property. You agree not to copy or otherwise misuse our intellectual property without our written permission, and you must not alter or remove any confidentiality, copyright or other ownership notice placed on the Services.
2. We own or have licenses to all content displayed on the Services (Content). You do not have any ownership rights in any Content on the Services. Subject to your compliance with these Terms, we grant you a non-exclusive, revocable, non-sublicensable and non-transferable licence to view the Content, solely for your own personal use.
3. You must not, unless expressly authorised by us or these Terms:
   • circumvent or disable any content protection system or technical protection measure used in the Services or the Content;
   • copy or modify, in whole or in part, any of the Content;
   • reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or otherwise commercialise the Content to any third party; or
   • breach, or allow any third party to breach, any intellectual property rights in the Content.
4. We may use any feedback or suggestions that you give us in any manner which we see fit, and to the maximum extent permitted by law, you waive the right to, and no such benefit will be owed to you as a result of any use by us of your feedback or suggestions.
5. When you use the Services, we may create anonymised statistical data from your usage of the Services. Once anonymised, we own that data and may use it for our own purposes, such as to provide and improve the Services, to develop new services or product offerings, to identify business trends, and for other uses we communicate to you.
6. This clause 7 will survive the termination or expiry of these Terms.

8. Confidential Information and Personal Data

1. While using the Services, you may share confidential information with us, and you may become aware of confidential information about us. You agree not to use our confidential information, and to take reasonable steps to protect our confidential information from being disclosed without our permission, and we agree to do the same for your confidential information.
2. However, either you or we may share confidential information with legal or regulatory authorities if required by law to do so.
3. We collect, hold and disclose and use any personal data you provide to us in accordance with our privacy policy, available on the Site, and applicable privacy laws.
4. You must only disclose personal data to us if you have the right to do so (such as having the individual's express consent).
5. We may need to disclose personal data to third parties, such as our related companies or our service providers (for example, IT and administrative service providers and our professional advisors).
6. Where we are required by law to report on our activities, you acknowledge that from time to time we may request certain information from you in order to meet our requirements, and you agree to provide us with such information within the timeframes reasonably requested by us.
7. This clause 8 will survive the termination or expiry of these Terms.

9. Indemnity

You agree to indemnify us against all liabilities, costs, expenses, damages and losses arising from your breach of these Terms or your use of the Services in a manner not permitted by these Terms.

10. Liability

1. Nothing in these Terms limits any liability which cannot legally be limited, including Liability for:
   • death or personal injury caused by negligence; and
   • fraud or fraudulent misrepresentation.
2. This clause applies to the extent that the Services are considered digital content and you are a ‘consumer’ under the Consumer Rights Act 2015. If the Services are defective and this damages a device or digital content belonging to you and this is caused by our failure to use reasonable care and skill, we will either repair the damage or pay you compensation. However, we will not be liable for damage which you could have avoided by following our advice.
3. Subject to the clauses above, to the maximum extent permitted by law, we will not be liable for any Liability caused or contributed to by, arising from or in connection with:
   1. your computing environment (for example, your hardware, software, information technology and telecommunications services and systems); or
   2. any use of the Services by a person or entity other than you.
4. Subject to the clauses above, but despite anything else to the contrary in these Terms, to the maximum extent permitted by law:
   1. if you are not a ‘consumer’ as defined in the Consumer Rights Act 2015, neither Party will be liable for Consequential Loss;
   2. if you are a ‘consumer’ and you use the Services for any commercial, investment, business or re-sale purpose, we will have no Liability to you for any loss of profit, loss of business, loss of data, business interruption, or loss of business opportunity;
   3. a Party's liability for any Liability under these Terms will be reduced proportionately to the extent the relevant Liability was caused or contributed to by the acts or omissions of the other Party; and
   4. our aggregate liability to you for any Liability arising from or in connection with these Terms will be limited to the amount of any fees paid by you to us during the 12 months immediately preceding the event giving rise to the Liability, or if you have not paid for the Service, to £100.
5. This clause 10 will survive the termination or expiry of these Terms.

11. Suspension and Termination

Suspension

We may suspend your access to the Services where we reasonably believe there has been any unauthorised access to or use of the Services (such as the unauthorised sharing of login details for the Services). If we suspend your access to the Services, we will let you know within a reasonable time of doing so, and we will work with you to resolve the matter, or if it cannot be resolved, then we may terminate these Terms and your access to the Services will end.

Termination

1. We may terminate these Terms (meaning you will lose access to the Services, and any recurring Services will be cancelled) if:
   • you fail to pay your fees when they are due;
   • you breach these Terms and do not remedy that breach within 14 days of us notifying you of that breach;
   • you breach these Terms and that breach cannot be remedied;
   • you experience an insolvency event (including bankruptcy, receivership, administration, liquidation, or entering into creditors' schemes of arrangement).
2. You may terminate these Terms if:
   • we breach these Terms and do not remedy that breach within 14 days of you notifying us of that breach; or
   • we breach these Terms and that breach cannot be remedied, and if you have paid fees for recurring Services upfront, you will be issued a pro-rata refund.
3. You may also terminate these Terms at any time by notifying us through your Account or to our email for notices, and if you have purchased any recurring services, termination will take effect at the end of your current Services period.
4. Termination of these Terms will not affect any other rights or liabilities that we or you may have.
5. This clause 11 will survive the termination or expiry of these Terms.

12. General

1. Assignment: You may not transfer or assign these Terms to any third party without our prior written consent. We may assign or transfer these Terms to a third party.
2. Complaints and Feedback: We are always looking to improve our services and products. If you have any feedback or a complaint, please notify us on our contact details set out in these Terms.
3. Contracts (Rights of Third Parties) Act 1999: Nothing in these Terms confers or is intended to confer any right to enforce any of its terms on any person who is not a party to it.
4. Disputes: A Party may not commence court proceedings relating to any dispute arising from, or in connection with, these Terms without first meeting a representative of the other Party within 14 days of notifying that other Party of the Dispute.
5. Events Outside Our Control: We will not be liable for any delay or failure to perform our obligations, if such delay or failure is caused or contributed to by an event or circumstance beyond our reasonable control.
6. Governing law: These Terms are governed by the laws of England and Wales and both parties submit to the exclusive jurisdiction of the courts operating in England and Wales.
7. Illegal Requests: We reserve the right to refuse any request for or in relation to the Services that we deem inappropriate, unethical, unreasonable, illegal or otherwise non-compliant with these Terms.
8. Nature of Legal Relationship: These Terms do not create, and should not be interpreted so as to create, a partnership, joint venture, employment or agency relationship between us and you.
9. Notices: Any notice you send to us must be sent to the email set out at the beginning of these Terms. Any notice we send to you will be sent to the email address registered against your Account.
10. Privacy: We will comply with all applicable data protection laws, and your personal data will be handled in accordance with our privacy policy (available on our Site).
11. Professional Services Disclaimer: The Services are provided for educational and informational purposes only and do not constitute, and are not a substitute for, personalised financial, investment, legal or risk management advice. Nothing in the Services or any content generated through the Services should be construed as a recommendation to buy, sell or hold any financial instrument or security. Stocksguide.AI Ltd is not authorised or regulated by the Financial Conduct Authority.