Terms of Service

Last updated: November 1, 2025

Please read these Terms of Service ("Terms") carefully before using PremiseLab ("Service"). By accessing or using the Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using PremiseLab, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of the Terms, you may not access the Service.

2. Description of Service

PremiseLab provides AI-powered investment research tools that analyze user-provided investment premises and return relevant securities information. The Service is designed to assist with investment research and analysis.

3. Not Financial Advice

Important: PremiseLab is a research tool and does not provide personalized financial, investment, tax, or legal advice. The information provided through our Service should not be construed as a recommendation to buy, sell, or hold any security. Always consult with a qualified financial advisor before making investment decisions.

4. User Accounts

To access certain features, you must create an account. You agree to:

  • Provide accurate and complete registration information
  • Maintain the security of your account credentials
  • Promptly notify us of any unauthorized access
  • Accept responsibility for all activities under your account

5. Subscription and Payment

Certain features require a paid subscription. By subscribing, you agree to pay all fees associated with your chosen plan. Subscriptions automatically renew unless cancelled before the renewal date. Refunds are available within 14 days of initial purchase.

6. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt the Service
  • Scrape, crawl, or use automated means to access the Service without permission
  • Redistribute or resell access to the Service
  • Use the Service to generate spam or misleading content

7. Intellectual Property

The Service and its original content, features, and functionality are owned by PremiseLab and are protected by international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our express written permission.

8. User Content

You retain ownership of any content you submit to the Service. By submitting content, you grant us a worldwide, non-exclusive license to use, store, and process that content to provide the Service.

9. Data Accuracy

While we strive to provide accurate information, we do not guarantee the accuracy, completeness, or timeliness of any data provided through the Service. Market data, financial metrics, and AI-generated analysis may contain errors or become outdated. Users should independently verify any information before making investment decisions.

10. Limitation of Liability

To the maximum extent permitted by law, PremiseLab shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses resulting from:

  • Your use or inability to use the Service
  • Any investment decisions made based on information from the Service
  • Unauthorized access to your account
  • Any third-party content or conduct

11. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

12. Indemnification

You agree to indemnify and hold harmless PremiseLab and its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of the Service or violation of these Terms.

13. Termination

We reserve the right to terminate or suspend your account at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

16. Contact

If you have questions about these Terms, please contact us at:

  • Email: legal@premiselab.io
  • Address: 548 Market St, Suite 96966, San Francisco, CA 94104