Terms of Service

Effective Date: June 5, 2025

Last Updated: June 5, 2025

Welcome to Karios Insight, LLC ("Company," "we," "us," or "our"). By accessing or using our website, services, or products—including AI-generated sentiment data, bias overlays, alerts, and Discord-based access—you agree to comply with and be bound by these Terms of Service ("Terms"). If you do not agree, do not use our services.

Please also review our Privacy Policy, which governs how we collect and use your information.

1. SERVICES PROVIDED

Karios Insight provides macroeconomic sentiment data, bias overlays, alerts, and related research tools for educational and informational purposes only. Future products—including AI engines, downloadable local tools, or dashboards—may be offered through additional platforms.

We do not guarantee accuracy or completeness of the data. Sentiment indicators are inherently interpretative, and past results are not predictive of future outcomes.

2. NO FINANCIAL ADVICE – LEGAL DISCLAIMER

Our services do not constitute financial, legal, or tax advice.

Karios Insight is not a registered investment advisor, broker-dealer, or tax consultant.
No content should be interpreted as a recommendation to buy, sell, or hold any security or instrument.
Users should perform independent analysis and consult licensed professionals before making financial decisions.

3. SUBSCRIPTION & DISCORD ACCESS

Subscriptions are billed via Stripe. We do not store full payment details.
Access to proprietary Discord content is granted upon successful payment and Discord OAuth login.
Your Discord email must match the email used during checkout.
Subscriptions are non-transferable. Shared access will result in revocation without refund.
We reserve the right to remove access at our discretion for terms violations or abuse.

4. PAYMENT & REFUND POLICY

All sales are final. No refunds will be issued once access to any paid content is granted.
You may cancel at any time; access remains valid through the current billing period.
Cancel at least 24 hours prior to renewal to avoid additional charges.

5. USER CONDUCT & RESTRICTIONS

By using our services, you agree not to:

Reproduce, resell, or distribute data or insights without permission.
Scrape, mine, or exploit our service through automation or unauthorized tools.
Use the platform to commit financial fraud or manipulate markets.
Violate any applicable U.S. or Florida laws.

Violation may result in termination without refund and potential legal action.

6. INTELLECTUAL PROPERTY

All content, data visualizations, models, and tools are owned by Karios Insight, LLC and protected by U.S. copyright law.

Do not copy, modify, or commercially exploit any content without express permission.
All trademarks and branding elements remain the property of Karios Insight, LLC.

7. LIMITATION OF LIABILITY

We are not liable for trading losses, market timing errors, or misinterpretation of our sentiment outputs.
We do not guarantee service uptime, accuracy, or uninterrupted access.
You assume full responsibility for how you use our data or content.

8. GOVERNING LAW & JURISDICTION

These Terms are governed by the laws of the State of Florida. Any legal claims must be brought in a Florida court of appropriate jurisdiction.

9. MODIFICATIONS TO TERMS

We may update these Terms periodically. Continued use of the service after changes implies agreement with the revised Terms.

10. DISCORD IDENTITY REQUIREMENT

Access is tied to the Discord account used during checkout.

No alternate accounts or transfers are allowed.
Lost access to Discord requires a new subscription.

11. FUTURE PRODUCTS & AI TOOLS

We may release additional services (e.g. offline AI tools, dashboards, APIs) which will be governed by these Terms unless additional agreements are provided.

Use of any future local AI product will remain at the user's discretion and risk. No private data will be collected by default.

12. CONTACT INFORMATION

For questions or disputes, contact us at: 📧 support [at] kariosinsight [dot] com