Disclaimer & Terms of Service

1. No Financial Advice

PLEASE READ CAREFULLY:

• Zero Deficit™: Pulse provides tools and information, not personalized financial advice
• AI-generated stock recommendations are based on algorithms and market data, NOT professional analysis
• Past performance does NOT guarantee future results
• You are solely responsible for your investment decisions
• We are NOT registered investment advisors, brokers, or financial planners
• Consult a licensed financial advisor before making investment decisions

2. Investment Risks

INVESTING IN STOCKS INVOLVES SUBSTANTIAL RISK:

• Loss of Capital: You may lose some or ALL of your invested money
• Volatility: Stock prices can fluctuate dramatically
• Market Risk: Entire markets can decline
• AI Limitations: AI predictions are NOT guaranteed and can be wrong
• IPO Risk: New public companies are highly speculative
• No Guarantees: We make NO warranties about investment outcomes

3. AI & Data Accuracy

Our AI system:

• Is experimental and continuously learning
• May produce inaccurate or incomplete analysis
• Relies on third-party data that may be delayed or incorrect
• Should be used as ONE of many research tools, not the sole basis for decisions

Data Sources: We use Alpha Vantage, Yahoo Finance, USPTO, and other APIs. We are NOT responsible for their data accuracy or availability.

4. No Warranties

Zero Deficit™: Pulse is provided "AS IS" without warranties of any kind, including:

• Accuracy of data or AI predictions
• Uninterrupted or error-free operation
• Fitness for a particular purpose
• Merchantability

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• We are NOT liable for any investment losses
• We are NOT liable for missed asset expirations
• We are NOT liable for data errors or AI inaccuracies
• We are NOT liable for system downtime or data loss
• Maximum liability: Amount paid for service (currently $0)

6. Intellectual Property Tracking Disclaimer

For Domains, Trademarks, and Patents:

• We provide tracking tools but are NOT legal advisors
• Expiration dates may be inaccurate - verify with official sources (USPTO, WHOIS)
• You are responsible for renewing your assets on time
• We are NOT liable for missed renewals or lost intellectual property

7. Third-Party Services

We integrate with third-party services (Alpha Vantage, Google OAuth, Resend, etc.). We are not responsible for:

• Their service availability or reliability
• Their data accuracy
• Their privacy practices (review their own policies)
• Rate limits or API restrictions

8. User Responsibilities

By using Zero Deficit™: Pulse, you agree to:

• Conduct your own research before making investment decisions
• Verify all data with official sources
• Not rely solely on our AI recommendations
• Use the service in compliance with all applicable laws
• Not abuse or reverse-engineer the service

9. Modifications

We reserve the right to:

• Modify or discontinue features at any time
• Change pricing (with 30 days notice)
• Update these terms (significant changes will be notified via email)
• Terminate accounts for violations

10. Governing Law

These terms are governed by the laws of the United States. Any disputes will be resolved in applicable courts.

11. Contact

Questions about these terms?

Email: legal@zerodeficitpulse.com