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Terms of Service — Defense Invest

Draft — Last updated: [DATE]

⚠️ This is a working draft prepared with AI assistance, not a legal document reviewed by a lawyer. Before publishing this on a paying product, have it reviewed by a lawyer qualified in your jurisdiction(s) of operation — particularly Section 4 (No Investment Advice), given the regulatory question flagged separately for this product.

1. Who we are

Defense Invest ("we", "us", "the Service") is an information and research platform covering publicly traded companies in the defense, aerospace, and adjacent technology sectors. This Service is operated by [LEGAL ENTITY NAME — TO BE DETERMINED], [ADDRESS — TO BE DETERMINED].

2. Acceptance of these Terms

By creating an account or otherwise accessing the Service, you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Service. We may update these Terms from time to time; continued use after an update constitutes acceptance of the revised Terms.

3. The Service

Defense Invest aggregates publicly available information — news articles, regulatory filings, government contract data, insider transaction data, and market data — about companies operating in the defense and aerospace sectors, and presents this information alongside AI-generated summaries and two internally computed scores (a "conviction" score and a "timing" score).

4. No Investment Advice

This is the single most important section of these Terms.

  • The Service is provided for informational and research purposes only. Nothing on the Service constitutes investment advice, a recommendation to buy or sell any security, or a solicitation of any kind.
  • The internal conviction and timing scores are produced by an internal, automated methodology applied to third-party data. They are not a credit rating, an analyst rating, or professional financial advice, and should not be relied upon as such. AI-generated review notes only describe why a score moved; they never set or adjust a score.
  • We are not a registered investment adviser, broker-dealer, or financial planner in any jurisdiction. [TO CONFIRM WITH COUNSEL: depending on jurisdictions served, this section may need to state a specific regulatory status, an explicit disclaimer under local securities law, or restrict the Service from certain jurisdictions entirely.]
  • You are solely responsible for your own investment decisions. Consult a licensed financial advisor before making any investment decision.
  • Past performance, trends, or scores displayed on the Service are not indicative of future results.

5. Data Sources and Accuracy

  • The Service aggregates data from third-party sources (including but not limited to SEC EDGAR, USASpending.gov, SAM.gov, TED (EU public procurement), Yahoo Finance, and various news outlets). We do not control, and cannot guarantee, the accuracy, completeness, or timeliness of this third-party data.
  • AI-generated summaries, review notes and computed scores are produced by automated systems and may contain errors, omissions, or misinterpretations. We do not warrant their accuracy.
  • Market data (prices, charts) is provided for informational display purposes and may be delayed.

6. Accounts and Access

  • You must provide accurate information when creating an account and are responsible for maintaining the confidentiality of your credentials.
  • [IF/WHEN PAID SUBSCRIPTIONS ARE INTRODUCED: this section will need clauses covering subscription tiers, billing cycles, cancellation, refunds, and trial periods.]
  • We may suspend or terminate access to the Service, with or without notice, for violation of these Terms, non-payment, or misuse.

7. Acceptable Use

You agree not to:

  • Scrape, crawl, or systematically extract data from the Service beyond normal individual use;
  • Redistribute, resell, or republish content from the Service without our prior written consent;
  • Attempt to circumvent access controls, rate limits, or authentication;
  • Use the Service for any unlawful purpose.

8. Intellectual Property

  • The Service's design, code, computed scores, and AI-generated summaries are our property or licensed to us. Underlying third-party news content remains the property of its original publishers; we display only excerpts/summaries and links, not full reproductions.

9. Limitation of Liability

To the maximum extent permitted by law, we disclaim all warranties regarding the Service and shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of the Service, including but not limited to investment losses. [TO CONFIRM WITH COUNSEL: enforceability of liability caps varies significantly by jurisdiction, especially for consumer contracts under EU law.]

10. Governing Law

[TO BE DETERMINED WITH COUNSEL — depends on the legal entity's jurisdiction and target markets.]

11. Contact

Questions about these Terms: [CONTACT EMAIL — TO BE DETERMINED]