Terms of Service

By using RatioLens at ratiolens.io, you agree to these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By accessing or using RatioLens, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use our service.

2. Description of Service

RatioLens provides commodity ratio tracking, historical data analysis, portfolio tools, and market intelligence features. The service is provided for informational purposes only.

3. Not Financial Advice

Nothing on RatioLens constitutes financial, investment, legal, or tax advice. All content, signals, ratio data, backtest results, and AI analysis are provided for informational and educational purposes only. Past performance is not indicative of future results. You should consult a qualified financial advisor before making any investment decisions.

RatioLens makes no representations or warranties about the accuracy, completeness, or timeliness of any data on the platform. Market data may be delayed and should not be used as the sole basis for trading decisions.

4. Accounts

You must provide accurate information when creating an account. You are responsible for maintaining the security of your account credentials. You must notify us immediately of any unauthorized use of your account.

5. Subscriptions and Billing

Paid plans are billed on a monthly or annual basis. Your subscription will automatically renew unless cancelled before the renewal date. You may cancel at any time through the billing portal accessible from your account.

We offer a 7-day free trial for new paid subscribers and a 7-day money-back guarantee on your first payment. Refunds after 7 days are at our discretion. Annual subscriptions are non-refundable after 30 days.

We reserve the right to change pricing with 30 days notice. Existing subscribers will be notified by email before any price changes take effect.

6. Acceptable Use

You may not use RatioLens to scrape or republish our data, circumvent access controls, attempt to reverse engineer our platform, or use our service in any way that violates applicable laws.

7. Intellectual Property

All content, features, and functionality of RatioLens are owned by us and protected by applicable intellectual property laws. You may not reproduce or distribute any part of our service without written permission.

8. Disclaimer of Warranties

RatioLens is provided "as is" without warranties of any kind. We do not guarantee that the service will be uninterrupted, error-free, or that data will be accurate or complete. Market data is sourced from third-party providers and we are not responsible for errors in that data.

9. Limitation of Liability

To the maximum extent permitted by law, RatioLens shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service, including any investment losses made based on information from our platform.

10. Termination

We reserve the right to suspend or terminate your account at any time for violation of these terms. You may terminate your account at any time by contacting us at support@ratiolens.io.

11. Governing Law

These terms are governed by the laws of the State of Michigan, United States, without regard to its conflict of law provisions.

12. Changes to Terms

We may update these terms from time to time. We will notify you of material changes by email. Your continued use of the service after changes take effect constitutes acceptance of the new terms.

13. Contact

Questions about these Terms of Service should be sent to support@ratiolens.io.