Terms of service

1. Our service

HowBullish helps individual investors interpret user-provided information by generating stock signals, short explanations and source references. HowBullish is operated by Teamory Investment Limited ("we", "us" and "our"). These Terms of service govern your use of HowBullish at howbullish.com.

AI outputs may be incomplete or incorrect. Ratings describe implications of the supplied content; they are not personalized investment advice, verified facts, price forecasts or promises of investment returns. You remain responsible for your decisions. HowBullish does not execute trades or hold client funds.

2. Accounts and your content

You must be at least 18 and legally able to enter an agreement. Keep your account access secure and provide accurate account information. Do not create additional accounts to circumvent the lifetime Free allowance.

You retain rights in the content you submit. Only submit material you are entitled to use and authorize us to process it as necessary to provide the requested analysis. Do not upload unlawful content, infringe others’ rights, bypass access restrictions, disrupt the service or attempt unauthorized access.

Our software, brand and interface remain the property of their respective owners. AI outputs may not be unique; third-party source content remains subject to its owners’ rights.

3. Plans, credits and billing

Free costs US$0 and includes three AI credits once per account, for its lifetime. Pro is proposed at US$9.99 per month with 300 AI credits per billing month. One successful source analysis uses one credit. See Pricing for included features.

When paid subscriptions launch, Pro will renew monthly until cancelled. Any applicable taxes and the total charge will be disclosed before purchase. Cancelling stops future renewals; it does not itself request a refund. Cancellation instructions and the credit reset, rollover and failed-job rules must be finalized before sales begin.

For purchases processed by Paddle, the checkout identifies the seller of record and applicable buyer terms. This prototype does not yet have an active checkout or subscription management system.

4. Refund policy

We offer a full refund for any purchase if you request it within 14 calendar days of the payment date. This includes initial subscription payments and renewals.

You can request a refund for any reason. No explanation is required, and there are no usage limits, credit-consumption requirements or other conditions attached to this 14-day refund promise.

To request your refund, visit Paddle Buyer Support and select “Request refund”, or use the support link in your payment receipt. Provide your purchase email or order reference so Paddle can locate the payment.

Paddle processes refunds for payments it handles. See the Paddle Refund Policy and Paddle Buyer Terms for payment processing and consumer rights. This HowBullish refund promise provides additional rights and does not limit any rights or remedies available under applicable law.

5. Privacy and service availability

Our Privacy policy explains data processing. Source availability and import quality depend on third-party platforms and content formats. We may need to suspend access for maintenance, security or material misuse, with notice where reasonably possible.

6. Limitations and disputes

To the extent permitted by applicable law, the service is provided without guarantees of uninterrupted availability or error-free AI output. Nothing in these terms excludes liability or consumer remedies that cannot lawfully be excluded.

Governing law and dispute contact will be specified after the operator jurisdiction is confirmed. Mandatory protections available in your country of residence remain applicable. Material changes to paid terms will be communicated before they take effect.

7. Contact

Legal operator: Teamory Investment Limited
Registered address: [to be confirmed]
Support and legal email: [to be confirmed]