Terms of Service

Effective date: June 13, 2026 · Last updated: June 13, 2026

SoloTerminal is a research and portfolio-tracking tool. It is not a broker, dealer, or registered investment adviser, and nothing it produces is investment, legal, tax, or accounting advice.

These Terms of Service (the “Terms”) form a binding agreement between you and SoloTerminal, a personal-portfolio research and tracking service operated by Howard Cheng Huang as an individual (“SoloTerminal,” “we,” “us”). By creating an account, accessing, or using the service at soloterminal.com (the “Service”), you agree to these Terms. If you do not agree, do not use the Service.

1. What the Service is — and is not

SoloTerminal is software that helps you track holdings you enter yourself and run research, analytics, and AI-generated commentary on them. It is an informational and educational tool only.

SoloTerminal is not a broker-dealer, is not a registered investment adviser or financial planner, and does not provide personalized investment, legal, tax, or accounting advice. We do not execute trades, place orders, hold or custody your money or securities, or connect to your brokerage to transact on your behalf. We have no fiduciary relationship with you. You are solely responsible for your own financial decisions. See our Disclaimer.

2. AI-generated content and third-party data

Features such as the persona panel, bull/bear debate, reasoning ledger, signals, scores, and briefs are generated by statistical models and automated processes. They are illustrative, may be incomplete, outdated, or wrong, and must not be relied upon as fact or advice.

Market data, prices, earnings dates, sentiment, and filings are sourced from third parties and may be delayed, inaccurate, or unavailable. We do not warrant the accuracy, completeness, or timeliness of any data.

3. Eligibility and accounts

You must be at least 18 years old and able to form a binding contract. You must provide a valid email address and verify it. You are responsible for your credentials and for all activity under your account. Notify us promptly of any unauthorized use.

4. Plans, billing, trials, and cancellation

  • Free tier. Available at no cost; features may change over time.
  • Pro tier. A paid subscription billed at the price shown at checkout (currently US$15/month) through our payment processor, Stripe. By subscribing you authorize recurring charges until you cancel.
  • Free trial. Pro includes a 30-day free trial. Unless you cancel before the trial ends, the subscription converts to paid and your payment method is charged.
  • Cancellation. You may cancel at any time. Access continues until the end of the current billing period; we do not provide prorated or partial-period refunds except where required by law.
  • Price changes. We may change prices or plan features with reasonable advance notice; changes apply to the next billing period.
  • Taxes. Prices exclude any applicable taxes, which are your responsibility.

5. Acceptable use

You agree not to:

  • scrape, crawl, or bulk-extract data, or circumvent rate limits or access controls;
  • resell, sublicense, or redistribute the Service or its output;
  • reverse engineer, interfere with, or attempt to gain unauthorized access to the Service or other users’ data;
  • upload unlawful content or use the Service to violate any law or third-party right.

6. Your content

Holdings, watchlists, notes, and theses you enter remain yours. You grant us a limited license to store and process this content solely to operate and improve the Service for you. We handle personal data as described in our Privacy Policy.

7. Intellectual property

The Service, including its software, design, and generated reports (excluding your content), is owned by us and protected by law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use.

8. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE OR ANY DATA OR OUTPUT WILL BE ACCURATE, UNINTERRUPTED, OR ERROR-FREE.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, OR FOR ANY TRADING OR INVESTMENT LOSSES, LOST PROFITS, OR LOST DATA, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR (B) US$100. Some jurisdictions do not allow certain limitations; in that case the limitations apply to the fullest extent permitted.

10. Indemnification

You agree to indemnify and hold us harmless from claims, losses, and expenses (including reasonable legal fees) arising from your use of the Service or your violation of these Terms.

11. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access if you breach these Terms or to comply with law. Sections that by their nature should survive termination (including 6–10 and 12) survive.

12. Governing law

These Terms are governed by the laws of Canada and the province in which the operator resides, without regard to conflict-of-law rules. If you use the Service from outside Canada, you remain responsible for compliance with local law, and any mandatory consumer protections of your jurisdiction continue to apply.

13. Changes to these Terms

We may update these Terms from time to time. Material changes will be posted here with a new effective date and, where appropriate, notified by email. Continued use after changes take effect constitutes acceptance.

14. Contact

Questions about these Terms: [email protected].