Terms of Service

1. Acceptance of Terms

By accessing or using Prowess Picks (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

2. NOT INVESTMENT ADVICE - CRITICAL DISCLAIMER

3. Risk Disclosure

Trading and investing in securities involves substantial risk of loss. You acknowledge and agree that:

• All investments carry risk, and you may lose some or all of your invested capital.
• Statistical models, machine learning predictions, and historical data analysis do not guarantee future performance.
• Market conditions can change rapidly and unpredictably.
• You are solely responsible for evaluating the merits and risks of any investment decisions.
• We make no representations or warranties about the accuracy, completeness, or reliability of any data, statistics, or predictions.

4. No Guarantees or Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Accuracy, reliability, or completeness of any data, statistics, predictions, or research findings
• Uninterrupted or error-free operation of the Service
• Results obtained from using the Service

5. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PROWESS PICKS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Investment losses or trading losses of any kind
• Damages arising from your use of or inability to use the Service
• Reliance on any information, data, statistics, or predictions provided by the Service

YOU AGREE THAT YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY DISPUTE WITH US IS TO STOP USING THE SERVICE.

6. User Responsibilities

You agree to:

• Use the Service only for lawful purposes and in accordance with these Terms
• Not use the Service to make investment decisions without consulting a licensed financial professional
• Conduct your own due diligence and research before making any investment decisions
• Understand that statistical models and predictions are not guarantees of future performance
• Not hold Prowess Picks liable for any investment losses or trading decisions
• Maintain the confidentiality of your account credentials
• Not share, resell, or redistribute data obtained from the Service without authorization

7. Data and Research Methodology

Our Service aggregates data from various sources and applies statistical and machine learning models to generate research findings. You acknowledge that:

• Data sources may contain errors, omissions, or inaccuracies
• Machine learning models are based on historical patterns that may not repeat
• Statistical analysis cannot predict future market movements with certainty
• Research findings are generated algorithmically and have not been individually verified

8. Indemnification

You agree to indemnify, defend, and hold harmless Prowess Picks and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Investment decisions made based on information from the Service
• Your violation of any rights of another party

9. Subscription and Payment Terms

If you purchase a subscription to the Service:

• Subscriptions automatically renew unless cancelled before the renewal date
• All fees are non-refundable except as required by law
• We reserve the right to change subscription prices with advance notice
• You are responsible for all charges incurred under your account

10. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, with or without notice. You may terminate your account at any time by contacting us.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes by posting the updated Terms on the Service. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of [YOUR STATE/JURISDICTION], without regard to its conflict of law provisions. Any disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Contact Information

For questions about these Terms, please contact us at: [YOUR CONTACT EMAIL]