Version: 2026-04-29

Personal License Schedule

Effective Date: April 29, 2026

This Personal License Schedule ("Personal License") supplements and is incorporated into the Terms. The Personal License governs your use of the Service if you select your license category as "Personal" and you meet the eligibility requirements listed below. Capitalized terms not defined here have the meanings given in the Terms.

1. Eligibility

1.1.Subject to the eligibility requirements of the Terms, a Personal License is available only to a natural person who qualifies as a "Non-Professional User."
1.2.A "Non-Professional User" is an individual who:
  • accesses and uses the Service solely for their own personal, non-commercial purposes; and
  • is not a Securities Professional.
1.3.A "Securities Professional" is any individual who:
  • is registered or qualified with any securities, commodities, or derivatives regulatory authority or self-regulatory organization (including, without limitation, the SEC, FINRA, CFTC, NFA, or any foreign equivalent);
  • is employed by or associated with a broker-dealer, investment adviser, bank, insurance company, hedge fund, proprietary trading firm, or other financial institution, in a capacity that involves securities, commodities, or derivatives trading, analysis, research, or advisory services;
  • uses the Service, or Content in connection with any business, commercial, or professional activity, including for the benefit of an employer, client, or other third party;
  • uses the Service to develop, support, or operate any product, service, or system that involves the trading, analysis, or distribution of financial instruments or market data; or
  • uses Content in connection with any business or commercial activity.
1.4.For the avoidance of doubt, an individual who uses the Service solely to manage their own personal investments and not for the benefit of any other person or entity will be considered a Non-Professional User.
1.5.By accessing the Service under a Personal License, you certify that you are not a Securities Professional and that your use of the Service is in accordance with the Personal License Terms. If this certification is false, it will constitute a material breach of the Agreement.

2. Scope of License

2.1.The Personal License grants you a non-exclusive, non-transferable, revocable right to access and view content through the Service on a single device at a time, for your own personal informational use. Each Account with a Personal License supports one active session at a time. Signing in on a new device will terminate any existing session.
2.2.You may not share your Account with any other person, including family members or household members. Each individual user requires their own license.

3. Restrictions

3.1.Under a Personal License, the following uses are prohibited:
  • You may not share, forward, or redistribute Content to anyone, including friends and family.
  • You may not use Content to inform or support trading decisions made on behalf of any third party.
  • You may not access or use any Content for any professional or commercial purpose, including but limited to for the benefit of an employer, client, or other third party.

4. Reclassification

4.1.If your circumstances change and you become a Securities Professional or begin using the Service for any commercial purpose, you must notify us and upgrade to a Professional License within thirty (30) days.
4.2.We reserve the right to audit usage patterns and reclassify accounts from Personal to Professional if we reasonably determine that usage is inconsistent with personal, non-commercial use. We will notify you before any reclassification takes effect and provide an opportunity to respond. Upon reclassification, you will be required to obtain a Professional License at the then-current rate.
4.3.Where we reasonably determine that non-compliant use occurred during your Personal License term, we may charge the difference between the Personal License fees you paid and the Professional License fees that would have applied for the same period (the "Back-Billing Amount"). The Back-Billing Amount will be calculated at the Professional License rate in effect during the relevant period, prorated for the duration of such use. We will provide you with a written calculation of any Back-Billing Amount before collection, and you will have fourteen (14) days to dispute the calculation in writing.

5. Termination

5.1.In addition to any termination rights listed in the Terms, if a modification to the Service materially and adversely affects the core paid functionality available to you under a Personal License, you may terminate your Subscription by notifying us in writing within thirty (30) days of receiving notice of such change, and we will provide a pro-rata refund of any prepaid, unused Fees for the remainder of your then-current term.
5.2.This termination right does not apply to modifications required by Applicable Law, a court or regulatory order, a Third-Party Provider, security or abuse-prevention reasons, or to modifications that are solely beneficial to you.
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