Terms of Service

Four Horsemen Services LLC

1. Acceptance of Terms

By accessing or using the financial data platform (“Service” or “Platform”) operated by Four Horsemen Services LLC (“Company,” “we,” “us,” or “our”), you (“User” or “you”) agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must not use the Service.

By clicking “Register,” creating an account, or otherwise accessing the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Age Requirement. You must be at least 18 years of age to use this Service. By registering, you represent and warrant that you are 18 years of age or older. If you are under 18, you must immediately discontinue use of the Service.

Business Users. If you are registering on behalf of a company, organization, or other legal entity, you represent and warrant that you have authority to bind that entity to these Terms, and “you” shall refer to both you individually and that entity.

Separate Account Types. These Terms govern both Personal accounts and Business accounts. Where terms differ by account type, such differences are expressly noted.

Electronic Signature. By accessing the Service, clicking “Register,” completing the registration process, or otherwise using the Platform, you are providing your electronic signature and legally binding yourself to these Terms in accordance with applicable electronic signature laws, including the Electronic Signatures in Global and National Commerce Act (E-SIGN). Electronic acceptance has the same legal effect as a physical signature.

2. Description of Services

2.1 What the Platform Is

The Platform is a financial data aggregation and analysis platform that collects, processes, and presents publicly available and licensed market data for investment research purposes. The Platform provides:

• Stock Analysis — Fundamental metrics, valuation ratios, growth indicators, profitability analysis, analyst ratings, earnings estimates, technical indicators, SEC filing summaries, and insider transaction data for publicly traded equities.
• ETF Analysis — Holdings breakdown, sector allocation, weighted-average fundamental analysis across ETF holdings, and expense ratio/distribution data.
• Technical Analysis — Calculated indicators including Simple Moving Averages (SMA), Exponential Moving Averages (EMA), Relative Strength Index (RSI), MACD, Bollinger Bands, Keltner Channels, and Average True Range (ATR) applied to historical price data.
• Earnings Intelligence — Earnings calendar, analyst EPS and revenue estimates, historical beat/miss data, EPS revision trends, and valuation projection tools.
• Market Overview — Daily top gainers/losers, market news with sentiment data, sector benchmarks, leaderboard rankings, and Big Tech comparison matrices.
• Portfolio Research Tools — Custom watchlists, side-by-side stock comparison, and comprehensive metrics matrix export.

2.2 What the Platform Is Not

The Platform is not a brokerage, investment advisor, registered investment adviser (RIA), broker-dealer, bank, or financial institution. The Platform does not:

• Execute trades or hold assets on your behalf
• Provide personalized investment advice or recommendations
• Act as a custodian for securities or funds
• Offer tax, legal, or accounting advice

2.3 Subscription Tiers and Feature Access

Feature access varies by subscription tier. Current feature availability for each tier is described on the Platform’s subscription page, which the Company may update from time to time in accordance with Section 14.

2.4 Service Availability

The Company will use commercially reasonable efforts to make the Platform available 24 hours a day, 7 days a week, except for: (i) scheduled maintenance; and (ii) unavailability caused by circumstances beyond the Company’s reasonable control, including but not limited to acts of God, government actions, natural disasters, civil unrest, internet service provider failures, or denial-of-service attacks. The Company does not guarantee uninterrupted or error-free operation of the Platform.

3. Account Registration and Security

3.1 Registration Information

To create an account, you must provide accurate and complete information including:

• Required for all accounts: First name, last name, email address, and password
• Required for Business accounts: Phone number and country code
• Optional: Phone number (Personal accounts), country code (Personal accounts), referrer email

You agree to maintain the accuracy of your registration information and to promptly update it if it changes.

3.2 Account Uniqueness

• Each email address may be associated with only one account (enforced across both Personal and Business tiers).
• For Business accounts, the combination of country code and phone number must be unique within the Business account tier.

3.3 Password Requirements and Security

• Passwords must be at least 8 characters in length.
• Passwords are stored using industry-standard cryptographic password hashing and are never stored in plaintext.
• You are solely responsible for maintaining the confidentiality of your password and account credentials.
• You agree to notify us immediately at the contact address in Section 17 of any actual or suspected unauthorized use of your account.
• We are not liable for any loss or damage arising from your failure to maintain the confidentiality of your credentials.

3.4 Session Security

• Authenticated sessions are subject to a 1-hour idle timeout enforced server-side. Your session will expire after 60 minutes of inactivity.
• Your browser may store a session cookie for up to 24 hours to facilitate re-authentication; this cookie does not extend the server-side idle timeout.
• You should log out of your account when using shared or public devices.

3.5 Account Non-Transferability

Accounts are personal and non-transferable. You may not share, sell, lend, or transfer your account credentials or access to any third party. Sharing account access with unauthorized users is a material breach of these Terms and may result in immediate account suspension.

4. Subscription Plans and Billing

4.1 Billing Provider

All payment processing is handled by Stripe, Inc., a PCI-DSS-compliant third-party payment processor. The Company never collects, stores, or has access to your full payment card number, CVV, or bank account details. By providing payment information, you agree to Stripe’s terms of service and privacy policy.

4.2 Subscription Tiers

The Company offers multiple subscription tiers, including a free trial tier (DEMO) and paid tiers for personal and business use. Current subscription options, pricing, and billing cycles are described on the Platform’s subscription page (subject to change with notice per Section 14).

4.3 Automatic Renewal

All paid subscriptions renew automatically at the end of each billing period (monthly or annual, as applicable to your plan) at the then-current subscription rate. By subscribing, you authorize the Company to charge your payment method on file with Stripe on a recurring basis without further authorization until you cancel.

You will receive a renewal notification from Stripe prior to each billing cycle. It is your responsibility to cancel before the renewal date if you do not wish to be charged.

4.4 Downgrade Policy

Founder subscribers who select a monthly billing cycle at renewal will be automatically downgraded to the Member tier at the monthly rate. The Founder tier is available on annual billing only. You will be notified of any such downgrade in advance.

4.5 Price Changes

We reserve the right to change subscription pricing. We will provide at least 30 days’ advance written notice (by email to the address on your account) of any price increase. Your continued use of the Service after the price change takes effect constitutes your agreement to pay the new price.

4.6 Free Trials

If you register for a DEMO account or are offered a promotional trial, your access is limited to trial-level features as described on the Platform’s subscription page. The Company may convert, modify, restrict, or terminate DEMO accounts at any time in its sole discretion.

4.7 Failed Payments

If a payment fails, Stripe will retry the charge according to its standard retry schedule. During this period, your access to paid features may be restricted or suspended. It is your responsibility to maintain a valid payment method on file. The Company is not liable for loss of access during payment processing issues.

4.8 Taxes

The Company’s subscription fees do not include any local, state, or federal taxes, levies, or duties of any kind. You are solely responsible for paying all applicable taxes associated with your subscription, excluding any taxes based on the Company’s net income or property. If the Company is required by law to collect taxes from you, such taxes will be added to your invoice or charge.

5. Cancellation and Refund Policy

5.1 How to Cancel

You may cancel your subscription at any time through the self-serve Stripe Customer Portal, accessible from your account management page. Upon cancellation:

• Your subscription will not renew at the end of the current billing period.
• You will retain access to paid features through the end of the period for which you have already been charged.
• No access is provided beyond the paid period following cancellation.

5.2 No Refunds

All subscription fees are non-refundable. The Company does not provide refunds, credits, or prorations for any unused portion of a subscription period, partial billing periods, or subscription fees already charged. This includes but is not limited to situations where:

• You cancel mid-period
• You do not use the Service during a paid period
• A feature is modified or removed
• Your account is terminated for violation of these Terms

This no-refund policy is a material term of your subscription agreement. If this policy is unacceptable to you, do not subscribe.

5.3 Operator-Initiated Termination

If the Company terminates your account for cause (violation of these Terms, fraudulent activity, abuse, or non-payment), you will not be entitled to a refund of any fees paid. If the Company terminates your account without cause, the Company will issue a pro-rata refund of any prepaid, unused subscription fees for the remaining days in your current billing period.

6. Account Termination and Data Handling Upon Termination

6.1 Termination by You

You may close your account at any time by canceling your subscription (Section 5.1) and contacting us at the address in Section 17 to request account deletion.

6.2 Termination by the Company

The Company may suspend or terminate your account, with or without notice, for:

• Material breach of these Terms (including Acceptable Use violations in Section 10)
• Fraudulent, abusive, or illegal activity
• Non-payment of subscription fees
• Providing false registration information
• Any conduct the Company reasonably determines to be harmful to the Service, other users, or third parties

6.3 Data Handling Upon Termination

Upon account termination:

• Session tokens are revoked immediately
• Cached operational data (market data, session data) expires on its natural rolling schedule
• Master account records stored in the Company’s account management system are retained for the period required by applicable law and for legitimate business purposes (e.g., billing audits, dispute resolution)
• Stripe billing records are retained by Stripe per their data retention policies

You may request deletion of your personal data subject to our obligations under applicable law. See Section 11 (Privacy and Data Handling) for more detail.

6.4 Survival

Sections 7 (Third-Party Data and Disclaimers), 8 (Investment Disclaimer), 9 (Intellectual Property), 11 (Privacy), 12 (Limitation of Liability), 13 (Indemnification), 15 (Governing Law and Dispute Resolution), and 16 (International Privacy) shall survive any termination of these Terms.

7. Third-Party Data Sources and Disclaimers

7.1 Data Providers

The Platform aggregates data from third-party providers. You acknowledge and agree that:

Licensed Third-Party Market Data Providers

• Provide stock fundamentals, ETF data, price history, earnings estimates, analyst ratings, news/sentiment data, and market activity data
• Data is subject to each provider’s respective terms of service and licensing restrictions
• Data may be delayed, subject to update schedules, or incomplete

SEC EDGAR (U.S. Securities and Exchange Commission)

• Provides company filing data (10-K, 10-Q, 8-K, etc.), XBRL financial facts, and diluted EPS history
• This is publicly available U.S. government data provided as-is without warranty
• Filings are processed and cached; the Platform is not an official SEC data redistribution channel

Third-Party Operational Services

• The Platform uses third-party services for operational functions (such as market status monitoring)
• These services are used solely for internal Platform operations; the Company does not execute trades through any third-party provider on your behalf

7.2 No Warranty on Third-Party Data

THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, TIMELINESS, OR FITNESS FOR PURPOSE OF ANY DATA OBTAINED FROM THIRD-PARTY SOURCES. Specifically:

• Market data, prices, financial statements, and metrics may contain errors or may be delayed
• Earnings estimates and analyst ratings represent third-party consensus data, not official company guidance
• SEC filing data is sourced from U.S. government public filings and may be subject to amendment or restatement by the issuing company
• Historical price and fundamental data may differ from other data sources

7.3 Data Caching

To provide reliable service, the Platform caches market data in our data infrastructure with rolling expiration windows. As a result, data displayed on the Platform may reflect cached values rather than the most current data available from the source provider.

8. Investment Disclaimer — Not Financial Advice

THIS IS A CRITICAL PROVISION. PLEASE READ IT CAREFULLY.

8.1 Informational Purposes Only

All data, analysis, metrics, scores, rankings, charts, indicators, projections, estimates, and visualizations made available through the Platform are provided for informational and educational purposes only. Nothing on the Platform constitutes, and nothing should be construed as:

• Investment advice
• Financial advice or planning
• Trading recommendations
• A solicitation or offer to buy or sell any security
• A recommendation to buy, hold, or sell any security or financial instrument

8.2 No Reliance

You acknowledge that:

• You will not rely solely on Platform data when making investment decisions
• You will independently verify any information obtained through the Platform before executing any financial transaction
• You will conduct your own independent research and due diligence
• You understand that financial markets involve risk, including the possible loss of principal
• Past performance and historical data, including technical indicators and analyst estimates, do not guarantee future results

8.3 Consult a Professional

You should consult a licensed financial advisor, broker-dealer, or other qualified financial professional before making any investment decision. The Platform is not a substitute for professional financial advice tailored to your individual circumstances, risk tolerance, and investment objectives.

8.4 No Liability for Investment Outcomes

The Company, its officers, directors, members, employees, contractors, and agents expressly disclaim all liability for any investment losses, missed opportunities, or financial harm of any kind arising from or related to your use of, or reliance on, any data, analysis, or information provided through the Platform.

9. Intellectual Property

9.1 Company Property

The Platform — including but not limited to its software, code, architecture, design, user interface, compiled analytics (metrics matrices, leaderboards, benchmarks), and all derivative works thereof — is the proprietary property of Four Horsemen Services LLC and is protected by copyright, trade secret, and other applicable intellectual property laws. All rights not expressly granted herein are reserved.

9.2 Third-Party Data Rights

Raw market data sourced from third-party providers and U.S. government sources (including SEC EDGAR) remains subject to those providers’ respective terms of service and licensing restrictions. The Company holds a license to use such data in the provision of the Service; that license does not extend to you beyond your personal research use as described in Section 9.3.

9.3 License to You

Subject to your compliance with these Terms and payment of applicable fees, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform and its data for your own personal investment research purposes.

9.4 Restrictions

You may not, without the Company’s prior written consent:

• Copy, reproduce, distribute, or publicly display Platform data or analytics
• Sell, resell, sublicense, or commercially exploit Platform data
• Systematically extract, scrape, or download Platform data via automated means (bots, crawlers, scripts, or similar tools)
• Use Platform data to build, train, or improve a competing product or service
• Export or redistribute the Metrics Matrix, leaderboard data, or benchmark data for commercial purposes
• Remove or alter any proprietary notices, labels, or marks on the Platform

9.5 User-Provided Content

User-created content (including watchlist names and custom symbol lists) remains your property. By submitting such content to the Platform, you grant the Company a non-exclusive, royalty-free license to use that content in aggregate, anonymized form to improve the Service.

Additionally, if you provide the Company with any suggestions, enhancement requests, recommendations, or other feedback regarding the Platform (“Feedback”), you grant the Company a worldwide, perpetual, irrevocable, royalty-free license to use, incorporate, and distribute such Feedback in connection with any Company product or service, without obligation or compensation to you.

10. Acceptable Use Policy

By using the Platform, you agree that you will not:

1. Circumvent access controls — Attempt to access features, data, or account tiers beyond your subscription level
2. Share credentials — Share your account login, password, or session with any third party
3. Automate scraping — Use bots, scripts, crawlers, or automated tools to systematically extract Platform data
4. Overload the Platform — Engage in denial-of-service attacks, excessive API polling, or any activity that interferes with Platform operation
5. Reverse engineer — Decompile, disassemble, or reverse engineer any portion of the Platform software
6. Misrepresent identity — Impersonate another person or entity or provide false registration information
7. Violate law — Use the Platform in violation of any applicable law, regulation, or third-party rights
8. Market manipulation — Use Platform data in connection with any scheme to manipulate securities prices or markets
9. Bypass billing — Attempt to access paid features without a valid subscription
10. Competitive intelligence — Use the Platform to build or improve a competing financial data service

Violations of this Acceptable Use Policy may result in immediate account suspension or termination without notice or refund.

11. Privacy and Data Handling

11.1 Data We Collect

At registration, we collect the following personal information:

We do not collect or store:

• Full payment card numbers, CVV codes, or bank account details (handled by Stripe)
• Social Security numbers or government-issued ID numbers
• Precise geolocation data

11.2 How We Use Your Data

We use collected personal data to:

• Create and manage your account
• Authenticate your identity on each login
• Process and manage your subscription via Stripe
• Communicate account-related information (registration confirmations, billing receipts, password resets)
• Investigate and respond to support requests, disputes, or legal obligations
• Maintain billing and audit records as required by law

We do not sell your personal data to any third party.

11.3 Data Storage and Processors

Your data is processed by the following sub-processors:

11.4 Data Retention

11.5 Data Security

We implement reasonable technical and organizational measures to protect your personal data, including but not limited to:

• Industry-standard cryptographic password hashing
• HTTPS/TLS encryption for all data in transit
• Server-enforced session management with idle timeout
• Restricted access to account management systems

No security system is perfect. We cannot guarantee absolute security of your data.

11.6 Your Rights

You may contact us at the address in Section 17 to:

• Request access to the personal data we hold about you
• Request correction of inaccurate personal data
• Request deletion of your account and associated personal data (subject to legal retention obligations)
• Request information about our data processing practices

12. Limitation of Liability

12.1 Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY OF DATA, NON-INFRINGEMENT, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

12.2 Limitation of Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR:

• Investment losses or financial harm of any kind arising from use of or reliance on Platform data
• Indirect, incidental, special, consequential, or punitive damages of any kind
• Loss of profits, revenue, data, goodwill, or business opportunities
• Damages arising from third-party data inaccuracies, service interruptions, or unauthorized account access

12.3 Liability Cap

IN ANY EVENT, THE COMPANY’S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

12.4 Essential Basis

The limitations in this Section reflect a fair allocation of risk between the parties and are an essential basis of the bargain between the parties. These limitations shall apply notwithstanding any failure of essential purpose of any limited remedy.

12.5 Jurisdictional Variations

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain types of damages. In such jurisdictions, the Company’s liability shall be limited to the greatest extent permitted by applicable law.

13. Indemnification

13.1 User Indemnification

You agree to indemnify, defend, and hold harmless Four Horsemen Services LLC, its officers, directors, members, employees, contractors, and agents from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

• Your use of the Service in violation of these Terms
• Your violation of any applicable law, regulation, or third-party right (including intellectual property rights)
• Any content or data you submit to or through the Platform
• Your investment decisions or financial activities undertaken in connection with use of the Platform

13.2 Company Indemnification

The Company will defend you against any third-party claim that the Platform, when used in accordance with these Terms, infringes or misappropriates that third party’s intellectual property rights, and will indemnify you from any damages, attorneys’ fees, and costs finally awarded as a result of such a claim; provided that you: (a) promptly give the Company written notice of the claim; (b) give the Company sole control of the defense and settlement of the claim; and (c) provide the Company all reasonable assistance at the Company’s expense. The Company’s obligations under this Section do not apply to claims arising from your modification of the Platform, your combination of the Platform with third-party products not authorized by the Company, or your use of the Platform in violation of these Terms.

14. Modifications to the Service and Terms

14.1 Service Modifications

The Company reserves the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice, for maintenance, improvement, or business reasons. The Company is not liable to you for any such modification, suspension, or discontinuation.

14.2 Pricing Changes

Any changes to subscription pricing will be communicated via email to the address on your account at least 30 days before the change takes effect.

14.3 Terms Modifications

The Company may update these Terms at any time. We will notify you of material changes by email and/or by posting a notice on the Platform. Your continued use of the Service after the effective date of updated Terms constitutes your acceptance of the updated Terms. If you do not agree to updated Terms, you must cancel your subscription and discontinue use of the Service.

15. Governing Law and Dispute Resolution

15.1 Governing Law

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

15.2 Informal Resolution

Before initiating any formal dispute process, the parties agree to attempt good-faith informal resolution. You agree to provide the Company with written notice of any dispute (including a brief description of the dispute and the relief you seek) at the contact address in Section 17. The Company will attempt to respond within 30 days. The parties agree to negotiate in good faith for 30 days following such notice before initiating arbitration or other proceedings.

15.3 Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute, controversy, or claim arising out of or relating to these Terms or the Service that is not resolved through the informal process in Section 15.2 shall be finally resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (or, at your election, the JAMS arbitration rules), as modified by these Terms. The arbitration shall be conducted in the State of Colorado. The arbitrator’s decision shall be final and binding, and judgment on the arbitration award may be entered in any court having jurisdiction.

Notwithstanding the foregoing, either party may bring an individual action in a small claims court of competent jurisdiction for disputes within that court’s jurisdictional limits, without waiving the right to arbitrate other claims. Additionally, either party may seek injunctive or other equitable relief from a court of competent jurisdiction to protect intellectual property rights or to prevent unauthorized access to the Service, without waiving the right to arbitrate other claims.

15.4 Class Action Waiver

YOU AND THE COMPANY EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. All disputes shall be resolved on an individual basis only. This waiver is a material term of this agreement. If a court finds this class action waiver unenforceable, the arbitration agreement in Section 15.3 shall be null and void with respect to the dispute in question (but shall remain in effect for all other disputes).

15.5 Jury Trial Waiver

BY AGREEING TO THESE TERMS, YOU WAIVE YOUR RIGHT TO A TRIAL BY JURY for any claims subject to these Terms.

15.6 Venue for Non-Arbitrable Claims

For any claims that are not subject to arbitration (including claims for injunctive relief under Section 15.3), the parties consent to exclusive jurisdiction and venue in the state and federal courts located in Colorado.

15.7 Statute of Limitations

Any claim arising under these Terms must be brought within one (1) year after the event giving rise to the claim, or such claim shall be permanently barred.

16. International Privacy Addenda

This section applies to users located outside the United States. All data processing occurs in the United States. By using the Service from outside the United States, you consent to the transfer of your personal data to the United States.

16.1 European Union and European Economic Area (GDPR)

If you are located in the EU or EEA, the following additional rights apply to you under the General Data Protection Regulation (GDPR):

Legal Basis for Processing. We process your personal data on the following legal bases:

• Contract performance — to provide the Service you have subscribed to
• Legitimate interests — to operate, improve, and secure the Platform
• Legal obligation — to comply with applicable law

Your GDPR Rights. You have the right to:

• Access — Request a copy of the personal data we hold about you
• Rectification — Request correction of inaccurate personal data
• Erasure — Request deletion of your personal data (“right to be forgotten”), subject to our legal obligations to retain certain records
• Portability — Request your personal data in a machine-readable format
• Restriction — Request that we restrict processing of your personal data in certain circumstances
• Object — Object to processing based on legitimate interests

To exercise any of these rights, contact us at the address in Section 17. We will respond within 30 days.

International Transfers. Your data is processed in the United States, which may not provide the same level of data protection as your home jurisdiction. We rely on appropriate transfer mechanisms (including Standard Contractual Clauses where applicable) for such transfers.

Supervisory Authority. You have the right to lodge a complaint with your local data protection supervisory authority if you believe we have processed your data unlawfully.

16.2 California Residents (CCPA / CPRA)

If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to Know — You may request that we disclose the categories and specific pieces of personal information we have collected about you, the categories of sources, the business purposes for collection, and the categories of third parties with whom we share it.
• Right to Delete — You may request deletion of your personal information, subject to certain exceptions.
• Right to Correct — You may request correction of inaccurate personal information.
• Right to Opt-Out of Sale/Sharing — We do not sell or share your personal information for cross-context behavioral advertising. No opt-out is required, but you may contact us to confirm.
• Right to Non-Discrimination — We will not discriminate against you for exercising your CCPA rights.

To submit a CCPA rights request, contact us at the address in Section 17.

16.3 Canadian Users (PIPEDA)

If you are located in Canada, your personal information is subject to the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

You have the right to:

• Access the personal information we hold about you
• Challenge the accuracy and completeness of your personal information and request correction

Your personal information is transferred to and processed in the United States. By using the Service, you consent to this transfer. We take reasonable steps to ensure your information is protected in accordance with applicable Canadian law.

To exercise your rights under PIPEDA, contact us at the address in Section 17.

17. General Provisions

17.1 Entire Agreement

These Terms, together with any applicable subscription order forms or addenda, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements, representations, and understandings.

17.2 Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of the remaining provisions.

17.3 Waiver

The Company’s failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

17.4 Assignment

You may not assign or transfer your rights under these Terms without the Company’s prior written consent. The Company may assign these Terms in connection with a merger, acquisition, sale of assets, or operation of law without restriction.

17.5 Force Majeure

The Company shall not be liable for any delay or failure in performance resulting from events beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, government action, labor disputes, power failures, internet outages, or failures of third-party service providers.

17.6 No Third-Party Beneficiaries

These Terms are for the benefit of the parties only and do not create any third-party beneficiary rights.

17.7 Notices

The Company may provide notices to you via email to the address on your account, or via prominent display on the Platform. You may provide notices to the Company at the contact address below.

18. Contact Information

Four Horsemen Services LLC
Legal / Support Inquiries:

Email: support@thefourhorsemenservices.com

For privacy-related requests (GDPR, CCPA, PIPEDA), account deletion requests, and dispute notices, please include your registered email address and the nature of your request in the subject line.

© 2026 Four Horsemen Services LLC. All rights reserved.