Terms of Service

Effective date: April 30, 2026 · Last updated: April 30, 2026

These Terms of Service (“Terms”) form a binding agreement between you and Stock Chatter (a product of FamilyFinance) governing your access to and use of the Stock Chatter website, dashboard, email digests, and any related products (collectively, the “Service”). If you do not agree with any part of these Terms, do not use the Service.

1. The service

Stock Chatter aggregates publicly available market data (SEC filings, FDA catalysts, pre-market movers, prediction markets, social-media signals, and more) and uses AI to surface tickers our model finds interesting. The Service includes a web dashboard, a daily pre-market email digest, and watchlist tools. We continually update the data sources, AI models, and features and may change them at any time.

2. Not financial advice

3. Risk acknowledgement

By using the Service, you acknowledge and accept that:

• Trading and investing in securities involve substantial risk, including the risk of total loss of capital.
• Stock Chatter focuses heavily on small-cap, biotech, and event-driven names, which carry above-average volatility and risk.
• Past performance, simulated paper-trading results, and back-tests are not indicative of future results.
• AI models can be wrong, biased, or behave unpredictably. They can miss important information or overweight irrelevant signals.
• Data sources can be delayed, inaccurate, or unavailable. We use best efforts to validate inputs but make no guarantee of accuracy or completeness.
• Every decision you make — to buy, sell, hold, size, or hedge — is yours alone.

4. Eligibility & account

You must be at least 18 years old (or the legal age of majority where you live) to use the Service. You agree to provide accurate information when you sign up, to keep your login credentials secure, and to notify us promptly if you suspect unauthorised use of your account. You are responsible for everything that happens under your account.

5. Subscription & billing

Stock Chatter is offered on an annual subscription of AUD $199 per year (or the equivalent in your local currency, plus any taxes required by your jurisdiction). Payments are processed by Lemon Squeezy as our merchant of record. By subscribing you authorise us, via Lemon Squeezy, to charge the payment method you provide.

Subscriptions auto-renew at the end of each annual period unless you cancel before the renewal date. You can cancel at any time from your account or by contacting us. Cancellation stops future renewals; access continues until the end of the period you have already paid for. We do not generally offer pro-rated refunds for cancelled subscriptions, but we will consider exceptional circumstances on a case-by-case basis.

6. Acceptable use

You agree not to:

• Resell, rebroadcast, or share access to the Service with anyone outside your account.
• Scrape, copy, or systematically extract our content, signals, or AI outputs to build a competing service.
• Reverse-engineer, decompile, or otherwise attempt to derive the underlying source code or models.
• Interfere with the security or integrity of the Service, or use it to send spam, malware, or abusive content.
• Use the Service in any way that violates applicable law or the rights of others.

7. Intellectual property

We own (or licence) all content we publish — text, code, designs, logos, AI outputs, and the Stock Chatter brand itself. We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your own personal, non-commercial use during your subscription. We reserve all other rights.

You retain ownership of any notes or content you input. By submitting content to the Service you grant us a worldwide, royalty-free licence to host, store, and process that content as needed to operate the Service for you.

8. No warranty — service provided “as-is”

The Service is provided “as is” and “as available” without warranties of any kind, whether express, implied, statutory or otherwise. To the maximum extent permitted by law, we disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, quiet enjoyment, and non-infringement.

We use commercially reasonable efforts to keep the Service available, secure, and accurate, but we do not warrant that:

• The Service will be uninterrupted, timely, or error-free;
• Signals, prices, AI summaries, or any other data will be accurate, complete, or current;
• The Service will meet your investment goals or financial expectations;
• Defects will be corrected or that data will be preserved without loss.

9. Limitation of liability

10. Indemnification

You agree to indemnify and hold harmless Stock Chatter, FamilyFinance, and our team from any claim, loss, liability, or expense (including reasonable legal fees) arising from your use of the Service, your breach of these Terms, or your violation of any law or third-party rights.

11. Termination

You can stop using the Service and cancel your subscription at any time. We can suspend or terminate your account if you breach these Terms, attempt to abuse the Service, or use it for unlawful purposes. Sections of these Terms that by their nature should survive termination — including disclaimers, limitations of liability, indemnities, and intellectual-property provisions — will continue to apply.

12. Changes to the service or these terms

We may update the Service or these Terms from time to time. If we make a material change, we will notify active subscribers by email or in-app notice at least 14 days before the change takes effect (where reasonably practical). Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

13. Governing law & disputes

These Terms are governed by the laws of New South Wales, Australia, without regard to its conflict-of-laws principles. Any dispute will be resolved exclusively in the courts of New South Wales, Australia, except where applicable consumer law gives you the right to bring proceedings elsewhere.

14. Miscellaneous

If any part of these Terms is held invalid or unenforceable, the rest will remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our written consent; we may assign them without notice (for example, in connection with a merger or sale). These Terms (together with the Privacy Policy) are the entire agreement between you and us regarding the Service.

15. Contact

Questions about these Terms? hello@getfamilyfinance.com.