Terms of Service

Effective 2026-09-01 · Last updated 2026-09-10

Pre-release notice. The Service is operated by RockTurners, LLC and is currently a private, invite-only research preview that is not open to the public. These Terms are published in advance and take effect on 2026-09-01; that advance publication exceeds the 14-day notice period described in § 15. This document is a working draft; references to organizational structure, indemnification, and governing law below will be re-issued in finalized form as the Service moves out of preview. By using the preview you acknowledge it is shared with named test users only.

Read this first. RockTurners is an educational and informational tool. Nothing in the product — including AI-generated analysis, scores, and verdicts — is investment, financial, legal, or tax advice. You are responsible for your own investment decisions. Consult a licensed financial professional before making any investment decisions.

1. Who we are

"RockTurners," "we," "us," and "our" refer to RockTurners, LLC, which operates the Service as a pre-release research preview, including the website at rockturners.com and the connected web application at rockturners.com/app/ (collectively, the "Service"). RockTurners is in a pre-release period; references to organizational structure in this document will be re-issued in finalized form as the Service moves out of preview.

By creating an account, signing in, or otherwise using the Service, you ("you" or "your") agree to these Terms of Service and our Privacy Policy and AI Disclosure. If you do not agree, do not use the Service.

2. What the Service does

RockTurners reads public-company filings and market data and produces structured, AI-assisted analysis through multiple built-in strategy frameworks in the tradition of published investing research. Full descriptions of every built-in strategy are published at rockturners.com. The Service lets you:

Save holdings and track portfolios.
Run two-stage scans (quantitative screen + AI qualitative evaluation).
Create and receive alerts on price and screen criteria.
Fork, edit, and generate analysis strategies.

The Service is a research tool, not a broker, dealer, investment adviser, financial planner, or custodian of funds. We do not execute trades, hold assets, or recommend specific securities for purchase or sale.

3. Not investment advice

Content produced by the Service — including but not limited to strategy verdicts (STRONG_MATCH, PARTIAL_MATCH, NO_MATCH), scores, categories, theses, and risk summaries — is generated by software, includes AI-written analysis, and may contain errors, omissions, and out-of-date information. The Service does not produce ratings or price targets.

You must independently verify any information before acting on it. Past performance of a strategy or a security is not indicative of future results. Markets involve substantial risk of loss, including the loss of principal.

RockTurners, LLC is not a registered investment adviser and is not registered with the U.S. Securities and Exchange Commission, FINRA, or any state securities regulator.

4. Eligibility and your account

You must be at least 18 years old and able to form a binding contract in your jurisdiction to use the Service. You agree to provide accurate information when creating your account, to keep your credentials confidential, and to notify us at [email protected] of any unauthorized access.

You are responsible for all activity on your account. We use Clerk for identity and session management; see our Privacy Policy for detail on how that data is handled.

By using the Service, you represent and warrant that you are not located in, ordinarily resident in, or accessing the Service from any country or territory subject to comprehensive U.S. economic sanctions or embargoes administered by the U.S. Treasury Department's Office of Foreign Assets Control (OFAC), and that you are not identified on any U.S. government denied-party, debarred, or specially designated nationals (SDN) list. The Service is not offered, and may not be used, where prohibited by applicable law, and access may be restricted by jurisdiction for sanctions compliance.

5. Plans, billing, and refunds

Paid plans are billed through Stripe. By subscribing you authorize recurring charges at the displayed price until you cancel. You can manage or cancel your subscription from the account area at any time; cancellation takes effect at the end of the current billing period.

Accounts previously enrolled in the pay-as-you-go option may continue to use the Service without a subscription: you pre-fund a wallet in amounts you choose, and metered compute charges for each operation are deducted from that balance at the rates displayed before the operation runs. Wallet funds are prepayments for Service compute, are drawn only for operations you initiate, never trigger an automatic or recurring charge, and are not transferable. The pay-as-you-go option is closed to new enrollment; accounts without a subscription or a prior enrollment may browse the Service and use its no-compute features free of charge.

Trial terms, per-operation AI costs, fair-use limits, and pay-as-you-go rates are shown in-product and in the pricing information published on our site. AI costs are passed through at the provider's rates plus a platform margin, which may differ between subscription and pay-as-you-go usage; we display an estimated cost before you run any paid operation and require confirmation above a threshold.

When your account is closed, any remaining prepaid wallet balance is refunded. Except for that wallet refund and where required by law, fees paid are non-refundable. Subscription fees are not refunded. Unused subscription compute is a plan benefit, not stored value, and does not convert to a refundable balance. If you believe a charge was made in error, contact [email protected] within 30 days.

6. Acceptable use

You agree not to:

Resell, relicense, or redistribute the Service or its output as a data feed or signal service without our written consent.
Reverse engineer, scrape, or attempt to extract our models, prompts, or aggregated market data except via the documented interfaces.
Redistribute, resell, publish, or otherwise make available to any third party the market data (end-of-day prices, closes, or values computed from them) shown in the Service; export or extract that market data in bulk or in machine-readable form (including CSV, Excel, JSON, or programmatic access); or use it to build, populate, or substitute for any dataset, feed, index, or product. The full market-data terms are in Section 7.
Use the Service to manipulate markets, harass issuers, or violate any applicable securities, privacy, or export-control law.
Automate requests in a way that degrades Service availability for others; our per-user rate limits are enforced and circumvention is a violation.
Submit content you do not have the right to submit, or that infringes the rights of others.
Use the Service to generate or disseminate content that misleads recipients into believing it is advice from a registered adviser.

7. Your content, AI-generated output, and licenses

You retain ownership of holdings, portfolio metadata, and custom strategies you create ("Your Content"). You grant us a limited, worldwide, royalty-free license to host, process, and display Your Content strictly to operate the Service on your behalf. We do not use Your Content to train foundation models.

AI-generated output. The Service produces AI-generated analysis — verdicts, scores, summaries, citations, and named unknowns ("Output"). To the extent we hold any intellectual-property rights in Output generated from your account's runs, we grant you a perpetual, non-exclusive, royalty-free license to use, copy, and share that Output for your personal research and internal purposes, subject to Section 6 — in particular, Output may not be resold or redistributed as a data feed or signal service. Output is non-exclusive by design: the Service applies the same published methodologies to the same public filings for every user, so the same or substantially similar Output may be generated for any other user, and nothing in these Terms restricts our ability to generate, publish, or license identical or similar analysis to others. Output is machine-generated general-circulation research, may contain errors, and is subject to Section 3 (Not investment advice) in every use you make of it. You are responsible for how you use Output, including compliance with any law that applies to your redistribution of it.

Market data. Prices, closes, and other market data shown in the Service, and the values the Service computes from them (such as position value, gain, and price-based ratios), are provided under license from our market-data provider (see Section 9) and are not Output. That data is made available to you for your personal research purposes only, whether you view it in the Service or obtain it through any limited export the Service offers for one or a few tickers. You may not redistribute, resell, or publish it, export or extract it in bulk or in machine-readable form, or use it to create a substitute for the provider's data (Section 6). If our license for that data ends, or we are otherwise required to do so, we may notify you that market data you obtained through the Service must be deleted, and you agree to delete it promptly upon notice. The restrictions in this paragraph survive termination of your account.

8. Our content and intellectual property

All software, design, strategy prompts, documentation, and brand marks ("RockTurners," the medallion mark, and the tagline Turn over every rock) are owned by RockTurners, LLC or its licensors and protected by copyright, trademark, and other laws. Nothing in these Terms grants you a license to our marks beyond the limited right to refer to the Service by name while you are a user.

9. Third-party data and services

The Service integrates with third parties to function. Their terms may apply to you where their logos or data are displayed:

AI model providers — model inference. Your strategy selects a provider from our catalog; the enabled providers (Anthropic, OpenAI, xAI, Google, and any others we add) are listed in our Privacy Policy § 5.
Clerk — authentication and session management.
Stripe — payments and subscription billing.
SendGrid — transactional email.
Twilio — SMS alerts (opt-in only).
Tiingo — end-of-day market prices. Market Data from Tiingo.com. Your use of that data is subject to Section 7 (Market data).
TradingView — optional in-app price-chart widget (rendering and data).
SEC EDGAR — primary-source filings (public data).

Market data shown in the Service is end-of-day (the prior trading session's close), not real-time, and may be delayed, incomplete, or incorrect. We do not warrant the accuracy, timeliness, or completeness of any third-party data displayed in the Service.

10. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR QUIET ENJOYMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY AI-GENERATED OUTPUT IS CORRECT.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ROCKTURNERS, LLC, ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

12. Indemnification

You agree to indemnify and hold harmless RockTurners, LLC and its operators, contributors, and agents from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising out of (a) your use or misuse of the Service, (b) Your Content, (c) your violation of these Terms, or (d) your violation of any law or third-party right.

13. Termination

You may terminate your account at any time from the account area or by emailing [email protected]. We may suspend or terminate your access if you materially breach these Terms, if required by law, or if continued provision is no longer commercially reasonable. Sections that by their nature should survive termination — including 3, 7–8, 10–12, 14, and 15 — will survive.

14. Governing law and dispute resolution

This Section is drafted for counsel review during the pre-release period (see the Pre-release notice above) and will be confirmed or revised in the finalized re-issue of these Terms.

14.1 Governing law. These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Colorado, without regard to its conflict-of-laws rules, and by applicable U.S. federal law (including the Federal Arbitration Act with respect to Section 14.3).

14.2 Talk to us first. Before starting any formal proceeding, you agree to give us a chance to resolve the issue informally: email [email protected] with a description of the dispute and what outcome you are seeking, and allow 30 days for us to respond and attempt resolution. Most issues are resolved this way. The same obligation applies to us before we start a proceeding against you.

14.3 Binding arbitration. Except as provided in Section 14.4, any dispute that is not resolved informally will be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be conducted by a single arbitrator, in English, by videoconference or written submissions unless an in-person hearing is required by the AAA rules, in which case it will take place in Colorado or the U.S. county where you reside, at your election. Payment of AAA filing, administration, and arbitrator fees is governed by the AAA Consumer Arbitration Rules; we will pay those fees where the rules require it or where your claim is for less than $10,000 and is not frivolous. BY AGREEING TO THESE TERMS, YOU AND WE EACH WAIVE THE RIGHT TO A TRIAL BY JURY.

14.4 What arbitration does not cover. Either party may (a) bring an individual claim in small-claims court if it qualifies there, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction for actual or threatened infringement or misuse of intellectual property or confidential information (including Section 6 violations such as scraping or redistributing the Service's output as a data feed). Issues of arbitrability required by law to be decided by a court stay with the court.

14.5 Class-action waiver. ALL DISPUTES ARE RESOLVED ON AN INDIVIDUAL BASIS ONLY. NEITHER YOU NOR WE MAY BRING A CLAIM AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION, AND THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OF MORE THAN ONE PERSON. If this class-action waiver is found unenforceable as to a particular claim, then that claim (and only that claim) must proceed in court rather than arbitration, and the waiver continues to apply to all other claims.

14.6 Your right to opt out. You may opt out of Sections 14.3 and 14.5 (arbitration and the class-action waiver) by emailing [email protected] with the subject "Arbitration opt-out" from your account email within 30 days of first accepting these Terms. Opting out does not affect any other provision of these Terms, including Section 14.1 (governing law) and 14.2 (informal resolution).

14.7 Forum for non-arbitrable claims. Any claim that is not subject to arbitration under this Section and does not qualify for small-claims court must be brought exclusively in the state or federal courts located in Colorado, and you and we each consent to personal jurisdiction and venue there.

15. Changes to these Terms

We may update these Terms from time to time. Material changes will be announced in the Service and/or by email at least 14 days before they take effect. Continued use of the Service after the effective date constitutes acceptance. The current version and effective date are always available at rockturners.com/legal/terms.

16. Contact

[email protected]