Terms and Conditions
Version 2026-11-09
- Ask Mr Market is a low-cost research tool. It is not investment advice, and nothing in it tells you to buy, sell or hold anything.
- It is provided as is. It runs automatically on third-party data and can be wrong, incomplete or out of date. We do not guarantee that anything in it is correct.
- Every investment decision is yours alone, and so is every loss.
- As far as the law allows, we are not liable for your losses, and a claim faces a high bar: written notice first, then proof of intentional misconduct or gross negligence.
- As far as the law allows, you cannot sue us in court: disputes go to binding, individual arbitration, and class actions are excluded.
This summary is for convenience. The full Terms below are what apply.
1. These Terms
1.1These Terms are a binding contract between you and [registered company name] (“we”, “us”), which operates Ask Mr Market (the “Service”).
1.2You accept these Terms by using the Service, by ticking the box when you sign in, or by buying a subscription. If you do not accept them, do not use the Service.
1.3You must be at least 18 years old and able to enter into a binding contract.
2. What the Service is
2.1The Service is a low-cost, general research tool. It applies fixed, automated rules to public filings, market data and third-party data to produce estimates, and it shows the same output to everyone.
2.2It is offered for general information and education only.
3. No investment advice
3.1Nothing in the Service is investment, financial, legal, tax or accounting advice, a personal recommendation, or an offer or solicitation to buy or sell any security.
3.2Words such as “Possible buy”, “Buy price”, “Fair value”, “Great deal”, “Watch”, “Investigate”, “Avoid” and “Sell target”, and every verdict, rating, score, list and price, are the mechanical results of a formula. They are labels for research. They are not recommendations, forecasts or promises, and they take no account of your circumstances, objectives or tolerance for risk.
3.3We are not an investment adviser, broker, dealer, bank or other regulated financial firm. We do not manage money and we do not act as your adviser or fiduciary. Using the Service creates no client relationship.
3.4We and people connected with us may hold or trade securities that the Service covers.
3.5Before any investment decision, do your own research and, where appropriate, consult a qualified and licensed adviser.
4. The information can be wrong
4.1The Service is built from data we do not control, through automated processes we do not check by hand. Any figure, price, estimate, valuation, category, peer, name, title, tenure, photo or statement in it may be wrong, incomplete, delayed, out of date, attributed to the wrong company or person, or misleading. Some of it will be.
4.2Valuations are estimates that rest on assumptions which may not hold. A result can be wrong even when the data behind it is right, and the method can change.
4.3Highlighted figures, warning signs and common industry concerns are prompts for your own research. They are not findings about any company.
4.4Information about directors and officers comes from public filings and public databases. It may be out of date and says nothing about anyone’s ability or conduct.
4.5Always check anything that matters to you against the primary source, such as the company’s own filings.
5. Investing carries risk
You can lose some or all of the money you invest. Past results do not predict future results. A price below an estimated value does not mean a security is cheap or safe. Forward-looking figures are estimates and may never come true.
6. Provided “as is”
To the fullest extent the law allows, the Service and everything in it are provided “as is” and “as available”, without any warranty, guarantee or condition of any kind, whether express, implied or statutory. That includes any warranty of accuracy, completeness, timeliness, reliability, availability, merchantability, satisfactory quality, fitness for a particular purpose or non-infringement, and any warranty that the Service will be uninterrupted, secure or free of errors, or will produce any particular result.
7. Limits on our liability
7.1You use the Service at your own risk, and you alone are responsible for your investment decisions and every other decision you make.
7.2To the fullest extent the law allows, we are liable to you only for loss that you prove was caused directly by our intentional misconduct or gross negligence.
7.3To the fullest extent the law allows, we are not liable for any trading or investment loss, any loss of profit, revenue, opportunity, goodwill or data, or any indirect, incidental, special, consequential, exemplary or punitive loss, however it arises and even if we were told it could happen.
7.4To the fullest extent the law allows, our total liability for all claims together is limited to what you paid for the Service in the 12 months before the event that gave rise to the claim. If you paid nothing, that amount is zero.
7.5These limits apply to every kind of claim, whether in contract, tort (including negligence), statute or anything else. You accept that the low price of the Service reflects them.
7.6Our owners, directors, officers, employees, contractors, agents, licensors and data providers (“Related Parties”) have no personal liability to you in connection with the Service and, to the fullest extent the law allows, you agree not to bring any claim against them personally. They may rely on sections 3 to 9 and 15 of these Terms.
8. What these Terms do not limit
Nothing in these Terms excludes or limits any liability or right that cannot be excluded or limited under the law that applies to you. That includes liability for fraud and intentional misconduct and, where the law requires it, for gross negligence or for death or personal injury caused by negligence, and the mandatory rights of consumers. In those cases the limits in these Terms apply only as far as that law permits.
9. Your responsibility to us
To the fullest extent the law allows, you will indemnify us and our Related Parties against claims by third parties, and the resulting losses and reasonable legal costs, that arise from your breach of these Terms, your misuse of the Service, or your use or publication of its output.
10. Accounts
You sign in with a link sent to your email address, so keep that inbox secure. You are responsible for what happens under your account. We may suspend or close an account at any time if we believe these Terms have been broken.
11. Pro subscriptions
11.1Pro adds personal conveniences, such as a saved watchlist. It does not add any guarantee, and it does not make any output more reliable.
11.2Pro is sold by Paddle, our merchant of record, which handles checkout, tax, billing, refunds and cancellation. Paddle’s buyer terms apply to your purchase.
11.3A subscription renews automatically until you cancel it. You can cancel at any time and keep access until the end of the period you paid for.
11.4Any statutory right you have to withdraw from a purchase or to a refund is unaffected.
12. Acceptable use
The Service is for your personal, non-commercial research. You must not scrape, copy in bulk, resell or redistribute its data or output; present its output to others as advice; feed it into automated trading; use it unlawfully, including for market abuse; or try to interfere with the Service or get around its limits or security.
13. Ownership
The Service and its content belong to us or our licensors. We give you a limited, personal, non-exclusive, non-transferable and revocable licence to use it under these Terms. Third-party data remains the property of its owners. Company names and logos belong to their owners and imply no endorsement. Photos are used under the licences credited beside them.
14. Changes to the Service
We may change, suspend or end any part of the Service at any time, including its methods, data sources and coverage. To the fullest extent the law allows, we are not liable for doing so.
15. Disputes
15.1Notice first. Before starting any claim you must send written notice to [legal contact email] that states who you are, what happened, the loss you say you suffered, how you calculated it, and your evidence. We then have 60 days to try to resolve it with you in good faith, and no proceedings may start before those 60 days end.
15.2Time limit. To the fullest extent the law allows, you must give that notice within one year after you knew or should have known of the facts behind the claim. After that the claim is barred.
15.3Binding arbitration. To the fullest extent the law allows, any dispute arising out of or relating to these Terms or the Service, including any question about their existence, validity or scope, will be finally resolved by binding arbitration and not in court. You and we each give up the right to sue in court and to a trial by jury. There will be one arbitrator, under the rules of [arbitration body and rules]. The seat of arbitration is [city] and the language is English. The award is final and may be enforced in any competent court.
15.4Individual claims only. To the fullest extent the law allows, claims may be brought only individually, and not as part of any class, collective, consolidated or representative action.
15.5Costs. Each side bears its own legal costs unless the arbitrator decides otherwise. The arbitrator may order a party who brings a frivolous claim or one in bad faith to pay the other side’s costs.
15.6Consumers where arbitration cannot be required. If you are a consumer and the law that applies to you does not allow a binding arbitration agreement made before a dispute arises, as in the European Union and the United Kingdom, sections 15.3 to 15.5 apply only if we both agree to them after the dispute has arisen. Otherwise the courts with jurisdiction under that law decide the dispute, and the rest of these Terms continue to apply.
15.7Exceptions. Either side may ask a court for urgent relief or to protect intellectual property, and either side may bring an individual claim in a small claims court that has jurisdiction.
16. Governing law
These Terms are governed by [governing law], without regard to its conflict of laws rules. If you are a consumer, you keep the protection of the mandatory law of the country where you live.
17. Changes to these Terms
We may change these Terms. The new version will appear on this page with a new date, and we will tell signed-in users about material changes. If you keep using the Service after a change takes effect, you accept it. If you do not accept it, stop using the Service.
18. General
18.1If any part of these Terms is found invalid or unenforceable, it is limited or removed only as far as needed, and the rest stays in force.
18.2These Terms are the whole agreement between you and us about the Service. If we do not enforce a right, we have not given it up. You may not transfer these Terms; we may. We are not liable for events beyond our reasonable control. The English version prevails over any translation.
18.3Sections 3 to 9 and 15 to 18 continue after you stop using the Service.
19. Contact
[registered company name], [registered address]. Email: [legal contact email].