Terms of Service

1. Acceptance of Terms

By accessing or using Catalist ("the Service," "Platform," "we," "us," or "our"), you agree to comply with and be bound by these Terms of Service and our Privacy Policy. If you do not agree with these Terms, you must not use the Service.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

2. Eligibility

To use Catalist, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding contract
• Not be prohibited from using the Service under applicable laws
• Provide accurate and complete registration information

By creating an account, you represent and warrant that you meet these eligibility requirements.

3. Account Registration and Security

3.1 Account Creation

To access certain features, you must create an account by providing:

• A valid email address
• A secure password (or sign in with Google OAuth)
• Your name and other requested information

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your password
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Ensuring your account information is accurate and up to date

3.3 Account Restrictions

• One person may not maintain multiple accounts
• You may not share your account credentials with others
• You may not transfer or sell your account to another party

4. Subscription Plans and Billing

4.1 Subscription Tiers

Catalist offers the following subscription plans:

• Free Plan: Limited access with delayed data and restricted features
• Monthly Plan ($6/month): Full access to all features with monthly billing
• Yearly Plan ($64/year): Full access to all features with annual billing at a discounted rate

4.2 Payment Processing

Payments are processed securely through PayPlus, our third-party payment processor. By subscribing, you authorize us to charge your payment method on a recurring basis according to your selected plan.

4.3 Automatic Renewal

• Subscriptions automatically renew at the end of each billing period
• You will be charged the then-current subscription rate
• You can cancel at any time before the next billing cycle to avoid charges

4.4 Cancellation and Refunds

• You may cancel your subscription at any time from your account settings
• Cancellations take effect at the end of the current billing period
• No refunds are provided for partial billing periods
• Upon cancellation, you will retain access until the end of the paid period
• After cancellation, your account will revert to the Free plan

4.5 Price Changes

We reserve the right to change our subscription prices. We will notify you at least 30 days before any price increase takes effect. Your continued use of the Service after the price change constitutes acceptance of the new pricing.

5. Use of the Service

5.1 License Grant

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use Catalist for personal, non-commercial purposes.

5.2 Acceptable Use

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

• Use the Service for any illegal or unauthorized purpose
• Scrape, crawl, or use automated tools to extract data from the Platform
• Attempt to reverse engineer, decompile, or disassemble any part of the Service
• Circumvent any access restrictions or security measures
• Upload viruses, malware, or any harmful code
• Interfere with or disrupt the Service or servers
• Impersonate any person or entity
• Collect or harvest personal information of other users
• Redistribute, resell, or sublicense access to the Service
• Use the Platform to provide services to third parties

5.3 Commercial Use Restrictions

Individual subscriptions are for personal use only. If you wish to use Catalist for commercial purposes or on behalf of an organization, please contact us for enterprise licensing options.

6. Financial Data and Investment Disclaimer

6.1 Data Accuracy

• We strive to provide accurate and timely data, but we do not guarantee the accuracy, completeness, or timeliness of any information
• Data may be delayed according to exchange requirements and your subscription tier
• Information may contain errors, inaccuracies, or omissions
• We are not liable for any errors or delays in the data

6.2 AI-Generated Content

Catalist uses artificial intelligence to analyze and summarize financial information. Please note:

• AI-generated summaries may contain inaccuracies or misinterpretations
• You should verify all information independently before making decisions
• AI analysis is provided for convenience and should not be solely relied upon

6.3 Third-Party Data Sources

We aggregate data from various sources including news providers, SEC filings, and market data providers. We are not responsible for the accuracy or reliability of third-party content.

7. Intellectual Property Rights

7.1 Our Intellectual Property

All content, features, and functionality of Catalist, including but not limited to:

• Software, code, and algorithms
• Design, graphics, and user interface
• Logos, trademarks, and branding
• Original analysis and proprietary data

...are owned by Catalist and protected by copyright, trademark, and other intellectual property laws.

7.2 User Data

You retain ownership of any data you provide to us. By using the Service, you grant us a license to use your data as described in our Privacy Policy.

7.3 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us the right to use such feedback without compensation or attribution.

8. Termination

8.1 Termination by You

You may terminate your account at any time by:

• Canceling your subscription
• Deleting your account through your profile settings
• Contacting our support team

8.2 Termination by Us

We reserve the right to suspend or terminate your access to the Service at any time, without notice, for:

• Violation of these Terms of Service
• Fraudulent, abusive, or illegal activity
• Non-payment of subscription fees
• Any reason at our sole discretion

8.3 Effect of Termination

Upon termination:

• Your right to access the Service immediately ceases
• We may delete your account data after a reasonable period
• You remain responsible for any outstanding payment obligations
• Provisions that should survive termination (e.g., disclaimers, limitations of liability) will continue to apply

9. Disclaimers and Limitations of Liability

9.1 "AS IS" Disclaimer

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding accuracy, reliability, or availability of the Service
• Warranties that the Service will be uninterrupted or error-free
• Warranties regarding the security of data transmission

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CATALIST SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Investment losses or trading losses
• Damages resulting from errors or omissions in data
• Damages resulting from unauthorized access to your account
• Any damages exceeding the amount you paid us in the 12 months preceding the claim

9.3 Investment Risk Disclaimer

YOU ACKNOWLEDGE THAT:

• Investing in securities involves risk of loss
• You are solely responsible for your investment decisions
• We are not liable for any investment losses you incur
• You should perform your own due diligence before making any investment

10. Indemnification

You agree to indemnify, defend, and hold harmless Catalist, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your investment decisions or trading activity
• Any content or data you provide to us

11. Data Privacy

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review it carefully.

Key points:

• We collect account information, usage data, and payment information
• We use cookies and analytics tools (e.g., Google Analytics)
• We do not sell your personal information
• You have rights to access, update, and delete your data

12. Third-Party Services and Links

Our Service may contain links to third-party websites, services, or content, including:

• SEC filings and official documents
• External news sources and articles
• Stock exchange websites
• Financial data providers

We are not responsible for the content, privacy practices, or terms of use of any third-party services. Your interactions with third-party services are governed by their own terms and policies.

13. Geographic Restrictions

Catalist is based in and operates under the laws of the United States. The Service may not be available or appropriate for use in all jurisdictions. If you access the Service from outside the United States, you are responsible for compliance with local laws.

14. Dispute Resolution and Governing Law

14.1 Governing Law

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

14.2 Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through:

• First, informal negotiation by contacting us
• If unresolved, binding arbitration in accordance with the rules of the American Arbitration Association

14.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis only, and you waive any right to participate in a class action lawsuit or class-wide arbitration.

15. Miscellaneous

15.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Catalist regarding the Service.

15.2 Severability

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

15.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

15.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.

15.5 Force Majeure

We are not liable for any failure to perform due to circumstances beyond our reasonable control, including natural disasters, acts of war, or internet service disruptions.

16. Changes to These Terms

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

• Update the "Last Updated" date at the top of this page
• Notify you via email for material changes
• Display a notice on the Platform

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

17. Contact Us

If you have any questions about these Terms of Service, please contact us:

• Website: finalle.ai
• Support: Use the "Contact Us" form on our platform
• Legal Inquiries: For terms-related questions or disputes

We will respond to your inquiry within a reasonable timeframe.