Terms of Service | Small St Value

1. Acceptance of Terms

By accessing or using the website smallstvalue.com (the "Service") operated by Small St Value ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. Please also review our Privacy Policy, which describes how we handle your personal information.

2. Description of Service

Small St Value provides financial research, analysis, and commentary through articles and other content on the Service. Some content may be available only to registered users or paid subscribers.

3. Account Registration

To access certain features of the Service, you must create an account by signing in with Google. You agree to:

Provide accurate and complete information during registration
Maintain the security of your account credentials
Accept responsibility for all activity that occurs under your account
Notify us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Subscriptions and Payments

We may offer paid subscription plans that provide access to premium content and features. By subscribing, you agree to the following:

Billing — Payments are processed by Stripe. You agree to provide valid payment information and authorize recurring charges at the applicable subscription rate.
Renewal — Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date.
Cancellation — You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. You will retain access to paid content until then.
Refunds — Payments are generally non-refundable. If you believe you have been charged in error, contact us at info@smallstvalue.com and we will review your case.
Price changes — We may change subscription pricing with at least 30 days' notice. Continued use of the Service after a price change constitutes acceptance of the new pricing.

5. Intellectual Property

All content on the Service — including articles, analysis, graphics, logos, and software — is owned by Small St Value or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without our prior written permission.

You may share links to our content and quote brief excerpts for personal, non-commercial use with proper attribution.

6. Not Financial Advice

The content provided on the Service is for informational and educational purposes only. It does not constitute financial advice, investment advice, trading advice, or any other form of professional advice. You should not make any investment decisions based solely on information found on the Service. Always do your own research and consult with a qualified financial advisor before making investment decisions.

We make no representations or warranties regarding the accuracy, completeness, or timeliness of any information on the Service. Past performance is not indicative of future results. Investing involves risk, including the potential loss of principal.

7. Acceptable Use

You agree not to:

Use the Service for any unlawful purpose
Attempt to gain unauthorized access to any part of the Service or its systems
Scrape, crawl, or use automated means to access the Service without our written permission
Redistribute, resell, or republish our content without authorization
Interfere with or disrupt the operation of the Service
Impersonate any person or entity

8. Limitation of Liability

To the maximum extent permitted by applicable law, Small St Value and its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or investment losses, arising out of or related to your use of the Service.

Our total liability to you for any claims arising from your use of the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim, or $100, whichever is greater.

9. Disclaimer of Warranties

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or secure.

10. Indemnification

You agree to indemnify and hold harmless Small St Value and its owners, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorney's fees) arising out of your use of the Service or violation of these Terms.

11. Account Deletion and Data Rights

You may request deletion of your account and all associated personal data at any time by emailing info@smallstvalue.com. We will process your request within 30 days, subject to any legal obligations that require us to retain certain data (e.g., billing records).

If you are located in the European Economic Area, United Kingdom, or Switzerland, you have additional rights under the GDPR as described in our Privacy Policy, including the right to access, rectify, port, and erase your personal data, as well as the right to lodge a complaint with your local data protection authority.

12. Termination

We may suspend or terminate your access to the Service at our sole discretion, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination (including Limitation of Liability, Disclaimer, and Indemnification) shall survive.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the State of New York, without regard to its conflict of law principles. Any disputes arising under these Terms shall be resolved in the state or federal courts located in New York, New York, and you consent to the jurisdiction of such courts.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last updated" date. Where required by law, we will notify you by email. Your continued use of the Service after changes are posted constitutes your acceptance of the revised Terms.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Contact Us

If you have any questions about these Terms, please contact us at: info@smallstvalue.com