Terms and Conditions - Tạp Chí Phố Wall

1. Agreement to Terms

By accessing and using Tạp Chí Phố Wall (the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Service Description

Tạp Chí Phố Wall is a Vietnamese-language financial news and analytics platform focused on the US stock market, providing:

Financial news and market analysis: Updates on news, stock market trends
Real-time stock data: Stock prices, charts, financial metrics
AI-powered insights: Stock analysis with real-time web and X (Twitter) search
Educational content: Courses, guides, videos on investing
Investment tools: RRG charts, earnings calendar, economic calendar
Community features: Comments, discussions, knowledge sharing

3. User Accounts

3.1 Account Registration

To access certain features, you must create an account. You must provide accurate, complete, and updated information. You are responsible for maintaining the security of your account credentials.

3.2 Account Responsibilities

You agree to:

Keep your login credentials secure
Notify us immediately of any security breach
Be responsible for all activities that occur under your account
Not share your account with others
Provide accurate and truthful information

3.3 Account Tiers

We offer multiple subscription tiers:

Free: Limited access to basic content and features
Tier 1, 2, 3: Increasing access to premium content, AI analysis, advanced tools, and educational content

4. Subscription and Payment

4.1 Billing

Paid subscriptions are billed on a monthly or annual cycle
Payments are processed securely via Stripe
Prices may change with 30 days notice
All fees are in USD or VND
Taxes may apply based on your location

4.2 Auto-Renewal

Your subscription will automatically renew unless you cancel before the renewal date. You are responsible for canceling if you do not wish to continue.

4.3 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of the current billing cycle. No refunds for unused months.

5. Acceptable Use Policy

You agree NOT to:

Violate any applicable laws or regulations
Infringe on others' intellectual property rights
Upload or transmit viruses or malicious code
Harass, abuse, or harm other users
Spam or send unsolicited promotional content
Scrape or collect data from the Service without permission
Use any bots, scripts, or automated tools
Impersonate any person or entity
Interfere with the normal operation of the Service
Attempt unauthorized access to our systems

6. Intellectual Property

6.1 Our Ownership

All content, features, and functionality of the Service (including but not limited to text, graphics, logos, icons, images, videos, AI analysis) are owned by Tạp Chí Phố Wall and protected by copyright, trademark, and intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes. This license does not include the right to:

Resell or make commercial use of the Service
Collect or use product listings, descriptions, or prices
Copy, reproduce, or duplicate content

6.3 User Content

You retain ownership of any content you submit to the Service (comments, reviews, etc.). However, by submitting, you grant us a worldwide, royalty-free license to use, copy, modify, and display that content in connection with the Service.

7. Financial Information Disclaimer

IMPORTANT WARNING: Information provided on Tạp Chí Phố Wall is for educational and informational purposes only. It is NOT professional financial, investment, or trading advice.

We are not licensed financial advisors. You should:

Consult with qualified financial professionals before making investment decisions
Conduct your own research and analysis
Understand the risks involved in investing
Not rely on our content as the sole basis for investment decisions
Recognize that past performance does not guarantee future results
Understand that investing carries risk of loss

Tạp Chí Phố Wall is not responsible for any financial losses or damages arising from use of our Service.

8. AI Analysis Disclaimer

Our AI analysis provides automated insights based on publicly available data. However:

AI analysis may not be accurate or complete
AI relies on third-party data that may contain errors
AI analysis cannot replace professional human judgment
We do not guarantee the accuracy or reliability of AI results
AI predictions and analysis are speculative

Always verify AI information with multiple sources and consult experts.

9. Third-Party Links and Services

Our Service may contain links to third-party websites or services. We do not control and are not responsible for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible, directly or indirectly, for any damage or loss caused by or in connection with use of such websites or services.

10. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our practices.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TẠP CHÍ PHỐ WALL AND OUR AFFILIATES, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

This includes but is not limited to:

Lost profits, data, or business opportunities
Business interruption
Financial losses from investment decisions
Errors or omissions in content

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind.

Our total liability to you for any claims arising from or related to these Terms or the Service shall be limited to the amount you paid us in the 12 months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless Tạp Chí Phố Wall and our affiliates, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising from or related to:

Your use or misuse of the Service
Violation of these Terms
Violation of any third-party rights
User content you submit

13. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including but not limited to:

Breach of these Terms
Request by law enforcement
Discontinuation or modification of the Service
Technical or security issues
Fraudulent or illegal activity
Engaging in conduct harmful to other users

Upon termination, your right to use the Service will cease immediately. All provisions which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

14. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after revisions become effective, you agree to be bound by the revised terms.

15. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Texas and federal law of the United States, without regard to its conflict of law provisions. Any legal disputes arising from or related to these Terms shall be resolved in the state or federal courts located in Texas.

16. Contact Information

If you have any questions about these Terms, please contact:

Tạp Chí Phố Wall
Email: [email protected]
Website: https://tapchiphowall.com