Terms of Use

You must be at least 18 years old to use the Site or purchase our products. By using the Site, you represent that you are 18 or older and able to form a binding contract. If we learn that a user is under 18, we may cancel that user’s access.

Your use of the Site constitutes your acceptance of these Terms. If you purchase our research, you also accept these Terms at the time of purchase.

We may modify these Terms at any time. If we make material changes, we will post the updated Terms on the Site and revise the effective date. Your continued use of the Site after the changes take effect constitutes acceptance of the updated Terms.

We may also modify, suspend, or discontinue any part of the Site at any time, and may introduce fees for new features on reasonable notice.

The Site and all research, classifications, data, opinions, and other materials we provide (the “Content”) are provided for general informational and educational purposes only. The Content is impersonal, is made available to all users alike, and is not tailored to the financial situation, objectives, or needs of any individual.

Nothing on the Site is, or should be construed as, investment, tax, legal, or accounting advice, an offer or solicitation to buy or sell any security, or a recommendation of any security, portfolio, transaction, or strategy for any specific person. Hanalei is not a registered investment adviser, broker-dealer, or fiduciary, and does not provide personalized investment advice.

You are solely responsible for your own investment decisions and for determining whether any security or strategy is suitable for you.

All investing involves risk, including the possible loss of principal. Past performance is not a guarantee of, and may bear no relation to, future results. You should not assume that any security, classification, or strategy referenced on the Site was or will be profitable.

Some securities discussed may be small-capitalization or thinly traded and may carry greater risk, including higher volatility, lower liquidity, and less publicly available information. Performance data is obtained from sources believed to be reliable but is not guaranteed by us or those sources, and may be incomplete or out of date.

Any classifications, return ranges, multiples, projections, or examples referenced on the Site or in the Paid Information (for example, 3x, 5x, or 10x) are hypothetical, model-generated possibilities based on historical data and assumptions. They are illustrations only — not forecasts, price targets, promises, or guarantees of future performance.

Actual results may differ materially. Any historical examples shown are selected illustrations and are not representative of all results or of any actual client experience.

We offer research products, including tiered stock classifications (for example, Class A, Class B, and Class C) (the “Paid Information”), for the one-time fees stated on the Site. We may revise fees on reasonable notice; the fee in effect at the time of your purchase applies to that purchase.

The Paid Information is licensed to you for your personal, individual use only. You may not share, resell, republish, redistribute, forward, or otherwise make the Paid Information available to any other person.

Unauthorized Sharing. The Paid Information is confidential and licensed for your individual use only. If you share, resell, republish, redistribute, or otherwise make it available to any other person, you agree that: (a) we may immediately terminate your access; and (b) because actual damages resulting from unauthorized distribution are difficult to determine, you agree to pay liquidated damages of $10,000 for each breach of this provision. The parties agree that this amount represents a reasonable estimate of the anticipated harm resulting from unauthorized distribution and is not intended as a penalty. We may also seek injunctive relief and recover our reasonable attorneys’ fees and costs. This Section survives termination.

Unless we state otherwise in writing, all fees are final and nonrefundable, including for research that has already been delivered or made available to you, except where a refund is required by applicable law.

The Paid Information is general and impersonal and does not constitute personalized investment advice or a recommendation tailored to you.

We and/or our personnel may hold positions in, trade, or otherwise have interests in securities referenced in the Paid Information, and our interests may differ from or conflict with yours. Unless expressly disclosed in connection with particular Content, Hanalei does not accept compensation from an issuer, promoter, or other third party in exchange for featuring, classifying, or recommending a security in the Paid Information.

Certain features may require you to create an account. You agree to provide accurate and complete information, maintain only a single account, keep your login credentials confidential, and not share your account or allow others to use it.

You are responsible for all activity under your account and must notify us immediately of any unauthorized use. We are not liable for losses arising from unauthorized use of your account. We may suspend or terminate accounts at our discretion, including where we are unable to verify your identity.

You agree to use the Site only for lawful purposes and in compliance with these Terms and all applicable laws. You agree not to: (a) copy, reproduce, distribute, publicly display, sell, license, or create derivative works from the Content except as expressly permitted; (b) share Paid Information with any other person; (c) use any robot, spider, scraper, or other automated means to access, index, data-mine, or harvest the Site or its Content; (d) interfere with, disrupt, or attempt to gain unauthorized access to the Site or its security; (e) misrepresent your identity or affiliation, or imply that we endorse your statements without our written consent; (f) upload or transmit malware or any unlawful, infringing, or harmful content; or (g) use the Site in violation of anti-money-laundering, sanctions, or similar laws.

We may require information to verify your identity, and may suspend or terminate access for any violation of this Section.

The Site and all Content, and all copyrights, trademarks, service marks, logos, and other intellectual property in them, are owned by Hanalei or its licensors. We grant you a limited, personal, non-exclusive, non-transferable, and revocable license to access and use the Content for your own personal, non-commercial use, and to download or print copies for that purpose provided you retain all proprietary notices.

You acquire no ownership rights by using the Site, and all rights not expressly granted are reserved. “StockIntellectuAI” and our logos are our marks; all other marks are the property of their respective owners.

The Site may contain links to, or content from, third parties. We do not control or endorse, and are not responsible for, any third-party sites or content. Your use of them is at your own risk and subject to their terms and policies.

THE SITE AND ALL CONTENT AND PRODUCTS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES RELATING TO THE ACCURACY, TIMELINESS, OR COMPLETENESS OF ANY CONTENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

TO THE FULLEST EXTENT PERMITTED BY LAW, HANALEI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST SAVINGS, OR TRADING OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO THE SITE, THE CONTENT, OR ANY PRODUCT, UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE AMOUNT YOU PAID US, IF ANY, FOR THE PRODUCT OR SERVICE GIVING RISE TO THE CLAIM DURING THE SIX (6) MONTHS BEFORE THE CLAIM AROSE. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING IT. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

You agree to indemnify, defend, and hold harmless Hanalei and its officers, directors, employees, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to (a) your violation of these Terms, (b) your use of the Site or the Content, or (c) your violation of any law or of the rights of any third party. This Section survives termination of these Terms.

We may suspend or terminate your access to the Site or any product at any time, with or without notice, including for any violation of these Terms or as required by law. Provisions that by their nature should survive termination (including Sections 3 through 16) will survive.

We respect the intellectual property of others and expect our users to do the same. If you believe content on the Site infringes your copyright, please send our Copyright Agent a written notice that includes: (a) a physical or electronic signature of the copyright owner or a person authorized to act on their behalf; (b) identification of the copyrighted work claimed to be infringed; (c) identification and location (URL) of the material claimed to be infringing; (d) your name, address, telephone number, and email; (e) a statement that you have a good-faith belief that the use is not authorized; and (f) a statement, under penalty of perjury, that the information in your notice is accurate and that you are the owner or authorized to act on the owner’s behalf.

Copyright Agent: contact@stockintellectuai.com. Under 17 U.S.C. § 512(f), any person who knowingly materially misrepresents that material is infringing may be liable for damages.

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

Any dispute, claim, or controversy arising out of or relating to these Terms, the Site, the Paid Information, or your use thereof (a “Dispute”) shall be resolved exclusively through final and binding arbitration on an individual basis, rather than in court, except that you may bring an individual claim in small claims court if it qualifies. The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, and will take place in Clark County, Nevada, or by telephone or videoconference where permitted. The arbitrator’s award may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver. You and Hanalei agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person’s claims or otherwise preside over any form of class or representative proceeding.

Affirmative Agreement and Opt-Out. Where required by applicable law, your agreement to this arbitration provision will be obtained through a separate or otherwise specific affirmative authorization. You may opt out of this arbitration and class action waiver within 30 days of first accepting these Terms by emailing contact@stockintellectuai.com with your name and a statement that you wish to opt out. Opting out will not affect any other provision of these Terms.

Severability. If any portion of this Section is found unenforceable, that portion will be severed, and any Dispute not subject to arbitration will be brought exclusively in the state or federal courts located in Clark County, Nevada.

To the fullest extent permitted by applicable law, these Terms and any dispute arising out of or relating to these Terms, the Site, the Content, or the Paid Information will be governed by the laws of the State of Nevada, without regard to its conflict-of-laws principles. Subject to Section 16 regarding arbitration and applicable law, any dispute that is not required to be resolved through arbitration shall be brought exclusively in the state or federal courts located in Clark County, Nevada, and you consent to the personal jurisdiction and venue of those courts.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Hanalei regarding the Site and supersede all prior or contemporaneous agreements. If any provision is found unenforceable, it will be severed and the remaining provisions will remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our consent; we may assign them freely. Section headings are for convenience only.

The Site is intended for users in jurisdictions where access is lawful; you are responsible for compliance with local laws. By using the Site or purchasing our products, you consent to receive communications from us electronically. We may require you to sign a non-electronic version of these Terms.

Questions about these Terms: contact@stockintellectuai.com