Terms of Service

Introduction

These Terms of Service ("Terms", "Terms of Service") govern your use of the RyxelData website at ryxel.io and the RyxelData financial data API (known together or individually as "Service"). Throughout these Terms, "Ryxel" refers to the operator of RyxelData ("us", "we", or "our").

Our Privacy Policy also governs your use of our Service and explains how we collect, safeguard and disclose information that results from your use of our service. Please read it here.

Your agreement with us includes these Terms and our Privacy Policy ("Agreements"). You acknowledge that you have read and understood such Agreements, and agree to be bound by them.

If you do not agree with (or cannot comply with) these Agreements, then you may not use the Service, but please let us know by emailing at [email protected] so we can try to find a solution. These Terms apply to all visitors, users and others who wish to access or use the Service.

Thank you for being responsible.

Communications

By creating an Account on our Service, you agree to subscribe to newsletters, marketing or promotional materials and other information we may send. However, you may opt out of receiving any, or all, of these communications from us at any time by following the unsubscribe link.

Subscriptions

Some parts of our Service are billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring and periodic basis ("Billing Cycle"). Billing cycles are set either on a monthly or annual basis, depending on the type of subscription plan you select when purchasing a Subscription.

At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you cancel it or Ryxel cancels it. You may cancel your Subscription renewal either through your online account management page or by contacting our customer support via [email protected].

A valid payment method, including credit card, is required to process the payment for your subscription. You shall provide Ryxel with accurate and complete billing information including full name, address, state, zip code, telephone number, and a valid payment method. By submitting such payment information, you automatically authorize Ryxel to charge all Subscription fees incurred through your account to any such payment method.

Should automatic billing fail to occur for any reason, Ryxel will issue an electronic invoice indicating that you must proceed manually, within a certain deadline date, with the full payment corresponding to the billing period as indicated on the invoice.

Fee Changes

Ryxel, in its sole discretion and at any time, may modify Subscription fees for the Subscriptions. Any Subscription fee change will become effective at the end of the then-current Billing Cycle.

Ryxel will provide you with reasonable prior notice of any change in Subscription fees to give you an opportunity to terminate your Subscription before such change becomes effective.

Your continued use of Service after the Subscription fee change comes into effect constitutes your agreement to pay the modified Subscription fee amount.

Refunds

Except when required by law, paid Subscription fees are non-refundable.

Prohibited Uses

You may use Service only for lawful purposes and in accordance with Terms. You agree not to use Service:

• In any way that violates any applicable national or international law or regulation.
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.
• To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter," "spam," or any other similar solicitation.
• To impersonate or attempt to impersonate Ryxel, a Ryxel employee, another user, or any other person or entity.
• In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.
• To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of Service, or which, as determined by us, may harm or offend Ryxel or users of Service or expose them to liability.

Additionally, you agree not to:

• Use Service in any manner that could disable, overburden, damage, or impair Service or interfere with any other party's use of Service, including their ability to engage in real time activities through Service.
• Use any robot, spider, or other automatic device, process, or means to access Service for any purpose, including monitoring or copying any of the material on Service.
• Use any manual process to monitor or copy any of the material on Service or for any other unauthorized purpose without our prior written consent.
• Use any device, software, or routine that interferes with the proper working of Service.
• Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of Service, the server on which Service is stored, or any server, computer, or database connected to Service.
• Attack Service via a denial-of-service attack or a distributed denial-of-service attack.
• Take any action that may damage or falsify Ryxel rating.
• Otherwise attempt to interfere with the proper working of Service.

Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

We also encourage you to review the Google's policy for safeguarding your data: https://support.google.com/analytics/answer/6004245

Accounts

Service is intended only for access and use by individuals at least eighteen (18) years old. By accessing or using any of Ryxel, you warrant and represent that you are at least eighteen (18) years of age and with the full authority, right, and capacity to enter into this agreement and abide by all of the terms and conditions of Terms. If you are not at least eighteen (18) years old, you are prohibited from both the access and usage of Service.

When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on Service.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.

We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in our sole discretion.

Intellectual Property

1. Ownership

All aspects of the Service, including but not limited to:

• Proprietary AI algorithms and signal generation methodologies
• Machine learning models and training data
• AI analysis systems and pattern recognition technology
• Software, source code, object code, and technical documentation
• User interface design, look and feel, and information architecture
• Database structures, data organization, and presentation methods
• Text, graphics, logos, icons, and data compilations
• All content, features, and functionality

are owned by Ryxel and protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

2. Trademarks

Ryxel, Proprietary Signals, Digest Intelligence, and Portfolio Command Center, along with associated logos and designs, are trademarks or registered trademarks of Ryxel. You may not use these marks without our prior written consent.

3. License Grant

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for personal investment research purposes only. This license does NOT permit you to:

• Reverse engineer, decompile, or disassemble any part of the Service
• Copy, reproduce, distribute, or create derivative works from the Service
• Remove or alter any proprietary notices or labels
• Use the Service for commercial purposes or resale
• Use any automated means to access or scrape the Service
• Use AI outputs to train competing AI models or systems
• Sublicense, transfer, or assign your access to third parties

This license terminates immediately upon any violation of these Terms or cancellation of your subscription.

4. Trade Secrets

Our AI signal generation methodology, algorithms, training data, and related technical processes constitute valuable trade secrets of Ryxel. Unauthorized disclosure, use, or misappropriation of these trade secrets will result in immediate termination of your account and may result in legal action seeking injunctive relief and damages.

5. User-Generated Content

If you create watchlists, notes, portfolios, or other content within the Service:

• You retain ownership of your original input content
• You grant us a license to store, process, and display your content as necessary to provide the Service
• We own all AI-generated analyses, signals, and insights derived from your data
• Aggregate, anonymized data may be used to improve our Service

Content and AI-Generated Summaries

Ryxel uses artificial intelligence (AI) technology to provide summaries of public information, including headlines and SEC filings, and strives to ensure accuracy and relevance. However, AI-generated summaries may contain inadvertent inaccuracies or misinterpretations. All information provided through Ryxel, including but not limited to summaries, analyses, and other insights, is intended solely for informational purposes and does not constitute financial, investment, or legal advice.

We encourage users to verify the accuracy of any information displayed through Ryxel by consulting original sources, which we provide wherever possible. Ryxel makes no claims that AI-generated summaries are verbatim reproductions of the original sources, nor are they a substitute for professional advice.

By using our Service, you acknowledge and agree that all information provided is for educational and informational purposes only and should not be relied upon as the sole basis for making investment decisions.

Error Reporting and Feedback

You may provide us either directly at [email protected] or via third party sites and tools with information and feedback concerning errors, suggestions for improvements, ideas, problems, complaints, and other matters related to our Service ("Feedback"). You acknowledge and agree that: (i) you shall not retain, acquire or assert any intellectual property right or other right, title or interest in or to the Feedback; (ii) Ryxel may have development ideas similar to the Feedback; (iii) Feedback does not contain confidential information or proprietary information from you or any third party; and (iv) Ryxel is not under any obligation of confidentiality with respect to the Feedback. In the event the transfer of the ownership to the Feedback is not possible due to applicable mandatory laws, you grant Ryxel and its affiliates an exclusive, transferable, irrevocable, free-of-charge, sub-licensable, unlimited and perpetual right to use (including copy, modify, create derivative works, publish, distribute and commercialize) Feedback in any manner and for any purpose.

Links To Other Websites

Our Service may contain links to third party web sites or services that are not owned or controlled by Ryxel.

Ryxel has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

YOU ACKNOWLEDGE AND AGREE THAT RYXEL SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH USE OF OR RELIANCE ON ANY SUCH CONTENT, GOODS OR SERVICES AVAILABLE ON OR THROUGH ANY SUCH THIRD PARTY WEB SITES OR SERVICES.

WE STRONGLY ADVISE YOU TO READ THE TERMS OF SERVICE AND PRIVACY POLICIES OF ANY THIRD PARTY WEB SITES OR SERVICES THAT YOU VISIT.

Disclaimer Of Warranty

THESE SERVICES ARE PROVIDED BY RYXEL ON AN "AS IS" AND "AS AVAILABLE" BASIS. RYXEL MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THEIR SERVICES, OR THE INFORMATION, CONTENT OR MATERIALS INCLUDED THEREIN. YOU EXPRESSLY AGREE THAT YOUR USE OF THESE SERVICES, THEIR CONTENT, AND ANY SERVICES OR ITEMS OBTAINED FROM US IS AT YOUR SOLE RISK.

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

NEITHER RYXEL NOR ANY PERSON ASSOCIATED WITH RYXEL MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SERVICES. WITHOUT LIMITING THE FOREGOING, NEITHER RYXEL NOR ANYONE ASSOCIATED WITH RYXEL REPRESENTS OR WARRANTS THAT THE SERVICES, THEIR CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE SERVICES OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE SERVICES OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

RYXEL HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Research Activity

You retain exclusive responsibility for any and all actions, transactions, or decisions taken through or in connection with Ryxel. This extends to actions, transactions, or decisions conducted outside the Ryxel platform, as we accept no liability or responsibility for such events.

Ryxel is designed for self-directed use only.

You are solely responsible for any and all actions that are taken through the Ryxel platform. You understand that all actions are unsolicited and based solely on your own decisions.

Ryxel and any of its employees do not provide investment recommendations of any security, transaction, or order. We do not offer investment advice.

Ryxel does not handle users' funds or securities.

Ryxel does not receive compensation from brokerage firms, dealers, research providers, or funds.

We do not support or facilitate placing orders, account opening, account transfers, or referrals. We are not an introducing broker and do not have an introducing broker agreement with any party.

You pay a monthly subscription to Ryxel for quality software. This is how we make money.

Data Retention

Active Account Data

While your account is active, we retain all data necessary to provide the Service, including:

• Account information and profile data
• Portfolio data and watchlists
• User preferences and settings
• Usage analytics and interaction data

Post-Cancellation

Upon cancellation of your subscription:

• Account access terminates immediately
• Personal data is retained for 30 days to allow for potential reactivation
• After 30 days, user data is permanently deleted except as required by law
• Aggregate, anonymized usage data may be retained indefinitely for analytics and service improvement

Legal Requirements

We may retain certain data for longer periods when required by:

• Applicable laws or regulations
• Pending or anticipated legal proceedings
• Accounting or tax requirements (typically 7 years)
• Legitimate business purposes such as fraud prevention

Your Rights

You may request deletion of your data at any time by contacting [email protected]. We will process requests within 30 days, except where retention is legally required.

Termination

We may terminate or suspend your account and bar access to Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of Terms.

If you wish to terminate your account, you may simply discontinue using Service.

All provisions of Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Governing Law

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

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding Service.

Changes To Service

We reserve the right to withdraw or amend our Service, and any service or material we provide via Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of Service is unavailable at any time or for any period. From time to time, we may restrict access to some parts of Service, or the entire Service, to users, including registered users.

Amendments To Terms

We may amend Terms at any time by posting the amended terms on this site. It is your responsibility to review these Terms periodically.

Your continued use of the Platform following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use Service.

Waiver And Severability

No waiver by Ryxel of any term or condition set forth in Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Ryxel to assert a right or provision under Terms shall not constitute a waiver of such right or provision.

If any provision of Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of Terms will continue in full force and effect.

Indemnification

You agree to indemnify, defend, and hold harmless Ryxel and its officers, directors, employees, contractors, agents, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees and court costs) arising out of or relating to:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any rights of any third party, including intellectual property rights
• Any investment decisions or financial losses you incur
• Any content you submit, post, or transmit through the Service
• Your violation of any applicable laws or regulations

This indemnification obligation will survive termination of these Terms and your use of the Service. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.

Limitation Of Liability

EXCEPT AS PROHIBITED BY LAW, YOU WILL HOLD US AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HARMLESS FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING ATTORNEYS' FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE, ARISING FROM THIS AGREEMENT AND ANY VIOLATION BY YOU OF ANY FEDERAL, STATE, OR LOCAL LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF RYXEL HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

To the fullest extent permitted by law, Ryxel is NOT liable for investment losses, trading losses, or any financial losses resulting from use of the Service or reliance on any information provided through Ryxel. All investment decisions are your sole responsibility.

EXCEPT AS PROHIBITED BY LAW, IF THERE IS LIABILITY FOUND ON THE PART OF RYXEL, IT WILL BE LIMITED TO THE AMOUNT EQUIVALENT TO ONE MONTH OF YOUR SUBSCRIPTION (for monthly subscriptions, this is one month's fee; for yearly subscriptions, this is one-twelfth of the yearly fee), AND UNDER NO CIRCUMSTANCES WILL THERE BE CONSEQUENTIAL OR PUNITIVE DAMAGES.

We are not liable for indirect, consequential, or punitive damages. You agree to hold us harmless from claims arising from your use of the Service.

SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE PRIOR LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. Some jurisdictions don't allow certain liability limitations, so some of the above may not apply to you.

Final Disclaimer

Google Sheets Add-on

RyxelData offers an optional Google Sheets add-on ("the Add-on") that allows subscribed users to retrieve financial datasets directly into their spreadsheets. Use of the Add-on is governed by these Terms of Service in addition to the following:

• You must have a valid RyxelData API key and an active subscription where required by the dataset. The Add-on is not usable without an API key.
• You are responsible for keeping your API key confidential. Do not share the spreadsheet containing an entered API key with untrusted parties. You can revoke compromised keys at any time from your dashboard at ryxel.io/dashboard/api-keys.
• Requests made through the Add-on count against your account's API rate limits and subscription quotas the same as direct API usage.
• Data retrieved through the Add-on is subject to the same usage restrictions as data retrieved through our direct API, including prohibitions on redistribution and resale without authorization.
• Our handling of the OAuth scopes granted to the Add-on is described in detail in our Privacy Policy.
• We may update the Add-on's functionality, available datasets, and supported Google Sheets features at any time. Continued use of the Add-on after updates constitutes acceptance of those changes.

Acknowledgement

BY USING SERVICE OR OTHER SERVICES PROVIDED BY US, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM.

Contact Us

Please send your feedback, comments, requests for technical support:

By email: [email protected]

For legal inquiries: [email protected]

For privacy concerns: [email protected]