What the site offers,
and what it does not.

The site is a research workspace. It shows public market data (company financial statements and ratios from filings, price history, commodity contracts and macroeconomic indicators) and publishes statistical time-series projections for economic series, foreign exchange rates, a market index and commodity contracts, each with calibrated error bands and a public accuracy record. Where the valuation tab is shown, the site also computes model valuation ranges for listed companies; these are estimates from stated assumptions and carry no accuracy record.

Company pages show filed fundamentals and price history. Where a valuation tab is shown, it holds a model estimate: a range of values per share computed from those filed figures, the stored price history and the assumptions listed on the page, each with its source. Some of those assumptions (a risk premium, a risk-free rate, long-run inflation) are extracted from web search results by a language model and are used only after the site's operator has accepted them; each one links to its source. The estimate changes when an assumption changes, it can be wrong, and it is never a recommendation, a rating or a price target.

The site issues no buy or sell signals, no ratings and no recommendations, it has no portfolio or trading features and no order execution, and it never holds or moves money.

A signed-in account can keep private notes and theses. A thesis is your own view: you give it a direction (such as long or short) and the conditions that would confirm or invalidate it. The site compares each condition you stated with its stored data and shows how many hold. That check is arithmetic on your own statements. It is not a signal, a rating or advice from the site, and the site records no positions or holdings.

Everything on the site is information for research and education. It is not investment, financial, legal or tax advice, it is not an offer or a solicitation to buy or sell any instrument, and it is not personalized to you. A projection is a statistical estimate with a stated error band, and it can be wrong. Decisions you make after reading the site are yours; speak to a licensed adviser for advice on your situation.

Figures come from third-party feeds and from models. The site shows each series' source and its measured accuracy, and it corrects errors it finds, but it does not promise that any figure is complete, accurate or current.

An account is opened with an email address, through a one-time code or link sent by email, or a Google sign-in. Keep access to that mailbox and that Google account to yourself; actions taken through your account are yours. You can sign out at any time and can ask for the account to be deleted (see the privacy notice).

Notes and theses you write stay yours and are private to your account. You give the site only the permission it needs to store them, to show them to you and, when you turn on “Use my notes in answers”, to send excerpts to the model provider with your own questions (see the privacy notice). The site does not publish them, sell them or train models on them.

Notes are your own opinions. A thesis check and any text the desk analyst drafts from your notes are produced automatically, can be wrong, and are not investment advice. Storage limits apply per plan, and a write that would pass them is refused.

• Free. A small daily allowance of forecast requests, shown on the pricing page.
• Paid plans. Pro and Desk are recurring subscriptions with larger daily allowances, saved watchlists and exports. The price and billing period are shown in checkout before you subscribe, and a subscription renews until you cancel it in the billing portal; cancellation keeps access until the end of the paid period.
• Merchant of record. Checkout, invoices, taxes and refunds are handled by Polar as the merchant of record under its own customer terms. Refund requests go through the billing portal or the support address below.
• Allowances and budgets. Daily allowances, per-minute limits and shared model budgets bound forecast requests on every plan; a request that is refused for one of these limits is not a failure of service.
• Team pilots are agreed and invoiced separately.

You can use the site, and export the data your plan allows, for your own research and for work within your organization. You must not resell, redistribute or publish the site's data feeds or projections as a product, scrape or bulk-download the site, run automated requests beyond the documented API limits, probe or disrupt the service, or present the site's figures as advice to others.

Market and macro series are supplied through third-party market data feeds and the publishers each page names, and their terms apply to further use of that data.

The site is provided as it is and as available. Data feeds, models and third-party services can fail, change or lag, and the site can be changed, paused or withdrawn. To the fullest extent the law allows, the site and its operator are not liable for any loss, including trading or investment loss, lost profit or lost data, that arises from using or relying on the site. Where liability cannot be excluded, it is limited to the amount you paid for the service in the twelve months before the claim.

When these terms change, the date at the top changes with it, and continued use after that date is acceptance of the new terms. Questions, refund requests and account requests go to hajiwansau15@gmail.com.