Terms and Conditions

App Name: SKA Market Lens

Developer: SKA Global Partners

Bundle ID: com.skaglobal.marketlens.app

Effective Date: January 1, 2025

Last Updated: January 1, 2025

Acceptance of Terms

By downloading, installing, or using SKA Market Lens (the "App"), you ("User," "you," or "your") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use the App.

Mandatory In-App Acceptance: You will be required to explicitly accept these Terms within the App before first use. Continued use constitutes ongoing acceptance.

1. License Grant

SKA Global Partners grants you a limited, non-exclusive, non-transferable, revocable license to use the App on devices you own or control, subject to these Terms and the applicable platform EULA (Apple Standard EULA or Google Play Terms).

1.1 License Restrictions

You may NOT:

• ❌ Modify, reverse engineer, decompile, or disassemble the App
• ❌ Remove copyright, trademark, or proprietary notices
• ❌ Rent, lease, lend, sell, redistribute, or sublicense the App
• ❌ Use the App for commercial purposes (e.g., selling trading signals)
• ❌ Use the App for illegal activities or market manipulation
• ❌ Circumvent technical limitations or security features
• ❌ Extract data via automated scraping or bots

1.2 Ownership

The App, including all code, design, graphics, and content, is owned by SKA Global Partners and protected by copyright, trademark, and other intellectual property laws. Your purchase grants a license to use, not ownership of, the App.

2. Educational Purpose Only

2.1 What the App Does

• ✅ Provides tools to explore technical indicators (EMA, RSI, ATR, volume, etc.)
• ✅ Allows users to adjust parameters and observe effects on historical data
• ✅ Enables portfolio tracking for educational comparison purposes
• ✅ Displays publicly available market data from third-party sources

2.2 What the App Does NOT Do

• ❌ Does NOT provide personalized financial advice or recommendations
• ❌ Does NOT execute trades or connect to brokerage accounts
• ❌ Does NOT predict future stock prices or guarantee profitability
• ❌ Does NOT automate trading decisions
• ❌ Does NOT claim superior performance over other methods
• ❌ Does NOT endorse specific stocks or investment strategies

3. Financial Disclaimers

3.1 Not Financial Advice

The App and its developers are NOT registered investment advisors, broker-dealers, or financial planners. The App does NOT provide:

• Investment advice or recommendations
• Buy/sell signals or trading strategies
• Portfolio management services
• Tax, legal, or accounting advice

You should consult a qualified financial advisor before making investment decisions.

3.2 No Investment Performance Guarantees

We make NO guarantees or representations regarding:

• Accuracy of technical indicator calculations
• Profitability of any strategy explored within the App
• Future performance based on historical patterns
• Suitability of the App's educational content for your needs

3.3 Risk Acknowledgment

By using the App, you acknowledge and accept that:

• ⚠️ Investing in securities involves substantial risk, including possible loss of principal
• ⚠️ Past performance does NOT indicate future results
• ⚠️ Technical analysis is NOT foolproof and may produce false signals
• ⚠️ Market conditions can change rapidly and unpredictably
• ⚠️ You are solely responsible for your investment decisions and outcomes
• ⚠️ You should only invest money you can afford to lose

4. Third-Party Data and APIs

4.1 Yahoo Finance API

The App uses the publicly accessible Yahoo Finance API to retrieve stock market data. You acknowledge that:

• Yahoo Finance is a third-party service not controlled by us
• Data may be delayed, inaccurate, incomplete, or unavailable
• Yahoo may change, restrict, or discontinue the API at any time
• We do NOT guarantee the accuracy or timeliness of Yahoo Finance data
• Your use of Yahoo Finance data is subject to Yahoo Terms of Service

4.2 Wikipedia API

The App uses Wikipedia to fetch the S&P 500 company list. You acknowledge that:

• Wikipedia is a community-edited resource and may contain errors
• The S&P 500 list may be outdated or incomplete
• Your use of Wikipedia data is subject to Wikimedia Terms of Use

4.3 No Guarantee of Data Availability

We do NOT guarantee uninterrupted access to third-party APIs. If Yahoo Finance or Wikipedia becomes unavailable, the App's functionality may be limited or non-functional. We are not liable for losses resulting from API unavailability.

5. Pricing and Payment

5.1 One-Time Purchase

The App is a paid application priced at $99.99 USD (or equivalent in your local currency). Payment is processed once via the Apple App Store or Google Play Store.

• ✅ One-time payment - no recurring charges
• ✅ No subscriptions
• ✅ No in-app purchases
• ✅ Lifetime access (subject to platform availability and these Terms)

5.2 What the Fee Covers

The $99.99 fee compensates the developer for:

• App development, maintenance, and updates
• Educational content creation (tutorial, help documentation)
• User interface design and testing
• Technical support

5.3 What the Fee Does NOT Cover

The fee is NOT:

• ❌ Payment for Yahoo Finance API access (the App uses free public endpoints)
• ❌ A subscription to a trading signal service
• ❌ A guarantee of profitability or financial results
• ❌ Compensation for financial advisory services

5.4 Refund Policy

Refunds are subject to the policies of the Apple App Store or Google Play Store:

• Apple App Store: Request a refund for apps or content that you bought from Apple
• Google Play Store: Return and refund policy for Google Play

We do not directly process refunds. All refund requests must go through the respective app store.

6. User Responsibilities

6.1 Compliance with Laws

You agree to use the App in compliance with all applicable laws and regulations, including but not limited to:

• Securities laws and regulations
• Export control laws (if applicable)
• Local financial regulations

6.2 Prohibited Uses

You may NOT use the App to:

• ❌ Engage in illegal trading activities (e.g., insider trading, market manipulation)
• ❌ Sell or resell App-generated data or insights commercially
• ❌ Create derivative works or competing products
• ❌ Violate intellectual property rights
• ❌ Transmit malware or interfere with App functionality

6.3 Due Diligence

You are solely responsible for:

• ✅ Verifying all data and information before making investment decisions
• ✅ Consulting qualified professionals (financial advisors, CPAs, attorneys)
• ✅ Understanding the risks associated with securities investing
• ✅ Ensuring the App meets your specific needs (evaluate via tutorials/demos)

7. Warranty Disclaimers

7.2 No Guarantee of Accuracy

We do NOT warrant that:

• Technical indicator calculations are error-free
• Data from third-party APIs (Yahoo Finance, Wikipedia) is accurate or current
• The App will meet your specific requirements
• Bugs or defects will be corrected promptly

7.3 Platform EULA Warranty Terms Apply

In addition to the above disclaimers, warranty terms in the Apple Standard EULA (for iOS users) or Google Play Terms (for Android users) also apply. Apple and Google provide limited warranties for app functionality, as described in their respective terms.

8. Limitation of Liability

8.2 Third-Party Liability

We are NOT liable for:

• Losses resulting from inaccurate Yahoo Finance or Wikipedia data
• Disruptions caused by third-party API outages
• Platform issues (iOS, Android) beyond our control

8.3 Jurisdictional Variations

Some jurisdictions do not allow exclusion of implied warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

9. Indemnification

You agree to indemnify, defend, and hold harmless SKA Global Partners, its officers, directors, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:

• Your use or misuse of the App
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Investment losses resulting from your decisions

10. Updates and Modifications

10.1 App Updates

We may release updates to the App to:

• Fix bugs or improve performance
• Add new educational features
• Comply with platform requirements (iOS, Android updates)
• Address security vulnerabilities

Updates are provided at our discretion and are not guaranteed. You are responsible for updating the App to the latest version.

10.2 Terms Modifications

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting within the App or at the URL provided. Continued use after changes constitutes acceptance of the modified Terms.

Notification: Significant changes will be communicated via an in-app notice or email (if contact information is voluntarily provided).

11. Termination

11.1 Termination by You

You may stop using the App at any time by uninstalling it from your device. Uninstallation does NOT entitle you to a refund unless you meet the app store's refund policy criteria.

11.2 Termination by Us

We reserve the right to:

• Discontinue the App at any time without prior notice
• Refuse service to users who violate these Terms
• Remove the App from app stores for any reason

No Liability for Termination: We are not liable for losses resulting from App discontinuation or termination.

12. Privacy and Data Handling

Your use of the App is also governed by our Privacy Policy. Key privacy points:

• ✅ The App does NOT collect personal information
• ✅ All portfolio and configuration data is stored locally on your device
• ✅ No user accounts, logins, or authentication required
• ✅ No analytics, tracking, or advertising
• ⚠️ Third-party APIs (Yahoo Finance, Wikipedia) may log requests per their own privacy policies

Read the full Privacy Policy at: privacy-policy.html

13. Intellectual Property Rights

13.1 App Content

All content within the App, including but not limited to:

• Source code and algorithms
• User interface design and graphics
• Tutorial and help text
• Icons, logos, and trademarks

...is owned by SKA Global Partners and protected by copyright, trademark, and other intellectual property laws. Unauthorized use is prohibited.

13.2 Trademarks

"SKA Market Lens" and associated logos are trademarks of SKA Global Partners. You may NOT use these trademarks without prior written permission.

13.3 Third-Party Intellectual Property

The App may display data sourced from Yahoo Finance and Wikipedia, which are owned by their respective providers. We claim no ownership of this third-party data.

14. Export Control

The App may be subject to U.S. export control laws. You agree NOT to export, re-export, or transfer the App to countries or entities prohibited by U.S. law.

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to conflict of law principles.

15.2 Dispute Resolution

Any disputes arising from these Terms or your use of the App shall be resolved as follows:

1. Informal Resolution: Contact us at support@skaglobalpartners.com to attempt good-faith negotiation (30 days).
2. Binding Arbitration: If informal resolution fails, disputes shall be resolved by binding arbitration under the American Arbitration Association (AAA) rules, conducted in Delaware.
3. Class Action Waiver: You agree to resolve disputes individually, not as part of a class action or collective lawsuit.

15.3 Platform-Specific Dispute Terms

In addition to the above:

• Apple App Store Users: Apple is not a party to these Terms. In case of disputes, Apple is not responsible for the App or your use of it. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them.
• Google Play Store Users: Google is not a party to these Terms and is not responsible for the App. Google Play's dispute resolution policies also apply.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of law, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with the Privacy Policy and the applicable platform EULA (Apple Standard EULA or Google Play Terms), constitute the entire agreement between you and SKA Global Partners regarding the App. These Terms supersede any prior agreements or communications.

18. No Waiver

Our failure to enforce any provision of these Terms shall not be deemed a waiver of that provision or our right to enforce it in the future.

19. Assignment

You may NOT assign or transfer these Terms or your license to use the App without our prior written consent. We may assign these Terms to a successor or affiliate without restriction.

20. Contact Information

For questions, support, or legal inquiries regarding these Terms:

• General Support: support@skaglobalpartners.com
• Legal Inquiries: support@skaglobalpartners.com
• Developer: SKA Global Partners
• App Name: SKA Market Lens
• Bundle Identifier: com.skaglobal.marketlens.app

21. Platform-Specific Provisions

21.1 Apple App Store Users

If you downloaded the App from the Apple App Store, the following additional terms apply:

• You acknowledge that these Terms are between you and SKA Global Partners, not Apple.
• Apple has no obligation to provide maintenance or support for the App.
• In the event of any failure of the App to conform to applicable warranties, you may notify Apple for a refund (if eligible). Apple has no other warranty obligation.
• Apple is not responsible for addressing claims related to the App (product liability, legal compliance, intellectual property infringement).
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
• You represent that: (a) you are not in a U.S.-embargoed country, and (b) you are not on any U.S. government prohibited or restricted party list.

Full Apple Standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

21.2 Google Play Store Users

If you downloaded the App from the Google Play Store, the following additional terms apply:

• You acknowledge that these Terms are between you and SKA Global Partners, not Google.
• Google has no obligation to provide maintenance or support for the App.
• Google is not responsible for the App, its content, or any claims related to it.
• You agree to comply with Google Play's Developer Distribution Agreement and current Android Market Terms of Service.

Google Play Terms of Service: https://play.google.com/intl/en-US_us/about/play-terms/

22. Acknowledgment of Understanding