Terms of Service

The agreement governing your use of RINS.

Effective Date: July 20, 2026  ·  Last Updated: July 20, 2026

These Terms of Service ("Terms") form a binding agreement between you ("you," "your," or "User") and RINS.COM LLC, operator of the website and application located at rins.com and any associated subdomains, tools, and services (collectively, the "Service," and the operator, "RINS," "we," "us," or "our"). By creating an account, clicking "I agree," or accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy and Disclaimers & Risk Disclosures, each incorporated by reference. If you do not agree, do not access or use the Service.

1. What RINS Is — and What It Is Not

1.1 RINS is a quantitative research and information tool. The Service provides statistical analysis, screening outputs, data visualizations, and educational materials relating to securities, currency pairs, and other instruments. This includes, without limitation, cointegration testing, mean-reversion statistics, time-series models, correlation and volatility measures, hedge-ratio and position-sizing calculations, backtested and hypothetical performance statistics, and rules-based screening ("eligibility") outputs.

1.2 RINS is not an investment adviser, broker-dealer, or financial planner. Nothing the Service produces is, or should be construed as, personalized investment advice, a recommendation, a solicitation, or an offer to buy, sell, or hold any security or instrument. All output is impersonal, general in nature, is not tailored to your individual financial situation, objectives, or risk tolerance, and is made available on the same basis to all similarly situated subscribers. RINS does not act as a fiduciary to any User.

1.3 You are solely responsible for your decisions. Any action you take in the markets is your own independent decision. You should consult your own licensed financial, legal, tax, and accounting advisers before making any investment decision. See the Disclaimers & Risk Disclosures for the full risk statement, which is a material part of these Terms.

1.4 No outcome is promised. Statistical signals, scores, and screening results describe historical and modeled relationships. They do not predict future results, and they confer no assurance of profit or protection against loss.

2. Eligibility and Accounts

2.1 Age and capacity. You must be at least 18 years old (or the age of majority in your jurisdiction, if higher) and able to form a binding contract to use the Service.

2.2 Accurate information. You agree to provide accurate, current, and complete registration information and to keep it updated.

2.3 Account security. You are responsible for safeguarding your credentials and for all activity under your account. Notify us promptly at legal@rins.com of any unauthorized use. We are not liable for losses arising from your failure to secure your account.

2.4 One person per account. Accounts are for a single named user. You may not share, resell, sublicense, or transfer your account or access credentials except under an applicable team or enterprise plan, if offered.

2.5 Eligibility to transact in markets. You represent that your use of the Service, and any transactions you choose to make, comply with all laws and regulations applicable to you, including any restrictions in your country of residence.

3. Subscriptions, Fees, and Billing

3.1 Plans. Access to certain features requires a paid subscription. Plan features, limits (for example, watchlist caps), and prices are described at the point of purchase and may change prospectively.

3.2 Billing and renewal. Paid subscriptions are billed in advance on a recurring basis (for example, monthly or annually) through our third-party payment processor, Stripe, Inc. ("Stripe"). Unless you cancel before the end of the current billing period, your subscription automatically renews and the then-current fee will be charged to your payment method.

3.3 Payment processor. We do not store full payment card numbers. Payment processing is handled by Stripe, subject to its terms and privacy policy. You authorize us and our processor to charge your selected payment method for all fees.

3.4 Cancellation. You may cancel at any time through your account settings or by contacting legal@rins.com. Cancellation stops future renewals. Access continues until the end of the current paid period.

3.5 Refunds. Except where required by law, fees are non-refundable and we do not provide refunds or credits for partial periods, unused features, or downgrades.

3.6 Taxes. Stated prices exclude taxes unless otherwise noted. You are responsible for all applicable sales, use, VAT, GST, or similar taxes, excluding taxes on our net income.

3.7 Price changes. We may change fees prospectively. We will provide reasonable advance notice, and changes take effect at your next renewal. Continued use after a price change constitutes acceptance.

3.8 Failed payments. If a charge fails, we may suspend or downgrade your access until payment is resolved (dunning). We may retry payment and update card details through our processor's account-updater services.

4. License and Acceptable Use

4.1 License to you. Subject to these Terms and your payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own internal, lawful purposes.

4.2 Restrictions. You will not, and will not permit others to:

• (a) copy, scrape, harvest, mirror, frame, or systematically extract data or output from the Service except through features we expressly provide;
• (b) resell, redistribute, sublicense, or commercially exploit the Service or its output, including republishing data or signals to third parties;
• (c) reverse engineer, decompile, or attempt to derive source code, models, or underlying data sources, except to the extent this restriction is prohibited by law;
• (d) use the Service to build or train a competing product, model, or dataset;
• (e) circumvent usage limits, access controls, rate limits, or authentication;
• (f) introduce malware, interfere with the Service's operation, or place an unreasonable load on our infrastructure;
• (g) use automated means (bots, scripts) to access the Service except via interfaces we authorize; or
• (h) use the Service in violation of any applicable law, regulation, or third-party right.

4.3 Third-party data. Market data, prices, fundamentals, and similar inputs are provided by third-party data vendors (including Financial Modeling Prep). Your use of such data through the Service is subject to the vendors' restrictions, which generally prohibit redistribution and require that the data be used only for your personal, internal purposes. You may not extract or redistribute third-party data obtained through the Service.

5. User Content (Watchlists, Settings, Inputs)

5.1 Your content. You may submit inputs such as ticker selections, watchlists, parameter settings, and notes ("User Content"). You retain ownership of your User Content.

5.2 License to us. You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, and use your User Content solely to operate, secure, and improve the Service and to provide it to you.

5.3 Responsibility. You are responsible for your User Content and represent that you have the rights to submit it and that it does not violate law or third-party rights.

6. Intellectual Property

6.1 Our IP. The Service, including its software, models, methodology descriptions, scoring logic, user interface, text, graphics, and the RINS name and marks, is owned by us or our licensors and is protected by intellectual property laws. Except for the limited license in Section 4, no rights are granted to you.

6.2 Feedback. If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free license to use it without restriction or obligation to you.

7. Disclaimers

7.1 "As is." THE SERVICE AND ALL OUTPUT, DATA, SCORES, SIGNALS, AND CALCULATIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT.

7.2 No financial advice; no guarantee. Without limiting the Disclaimers & Risk Disclosures: we do not warrant that any output is accurate, complete, timely, or suitable for your purposes, that data is free of errors or delays, that signals will be profitable, or that the Service will be uninterrupted or secure.

7.3 Third-party data. We are not responsible for the accuracy, completeness, or timeliness of third-party data and are not liable for any decision made in reliance on it.

7.4 Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

8. Limitation of Liability

8.1 Exclusion of certain damages. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES, OFFICERS, EMPLOYEES, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, TRADING LOSSES, LOST DATA, OR LOST GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

8.2 Cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD 100.

8.3 Trading losses. WITHOUT LIMITING THE FOREGOING, WE ARE NOT LIABLE FOR ANY INVESTMENT OR TRADING LOSSES YOU INCUR. YOU ACKNOWLEDGE THAT TRADING INVOLVES SUBSTANTIAL RISK AND THAT YOU TRADE AT YOUR OWN RISK.

8.4 Basis of the bargain. These limitations are a fundamental basis of the agreement between you and us and apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless RINS and its affiliates, officers, employees, and licensors from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to (a) your use of the Service, (b) your User Content, (c) your violation of these Terms or any law, or (d) your investment or trading decisions.

10. Suspension and Termination

10.1 By you. You may stop using the Service and cancel your subscription at any time as described in Section 3.

10.2 By us. We may suspend or terminate your access, with or without notice, if you breach these Terms, if required by law or by a data vendor, to protect the Service or other users, or if your account is inactive or fraudulent.

10.3 Effect. On termination, your license ends and you must stop using the Service. Sections that by their nature should survive (including Sections 6–9, 11, and 12) survive termination.

11. Governing Law and Dispute Resolution

11.1 Governing law. These Terms are governed by the laws of the State of Illinois, USA, without regard to conflict-of-laws rules.

11.2 Dispute resolution. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the state and federal courts located in Lake County, Illinois, USA, and you consent to personal jurisdiction and venue in those courts and waive any objection of inconvenient forum.

11.3 Informal resolution. Before filing a claim, you agree to contact us at legal@rins.com and attempt to resolve the dispute informally for at least 30 days.

12. General

12.1 Changes to these Terms. We may update these Terms from time to time. We will post the updated Terms with a new "Last Updated" date and, for material changes, provide reasonable notice (for example, by email or in-app notice). Continued use after changes take effect constitutes acceptance.

12.2 Entire agreement. These Terms, together with the Privacy Policy and Disclaimers, are the entire agreement between you and us regarding the Service and supersede prior agreements.

12.3 Severability. If any provision is held unenforceable, the remaining provisions remain in effect.

12.4 No waiver. Our failure to enforce any provision is not a waiver.

12.5 Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.

12.6 Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control, including market-data outages, internet or hosting failures, and acts of God.

12.7 Notices. We may provide notices by email to your registered address or by posting in the Service. You may contact us at legal@rins.com.

13. Contact

RINS.COM LLC
707 Skokie Blvd, Suite 600, Northbrook, IL 60062, USA
Email: legal@rins.com