Terms of Service

1. Agreement to Terms

By accessing or using the Outpick website at outpick.xyz ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service. The Service is published and operated by Outpick ("Publisher," "we," "us," or "our"), an independent financial research publication.

2. Description of Service

Outpick is an educational and informational publication that provides stock market research, portfolio tracking, and investment analysis. The Service includes access to a curated portfolio of stock picks, performance data, research notes, and email alerts delivered on a subscription basis. Content reflects the portfolio decisions and opinions of the Publisher and is provided for your general information and education only.

3. Not Investment Advice — No Fiduciary Relationship

Nothing on the Service constitutes investment advice, financial advice, trading advice, tax advice, legal advice, or any other form of professional advice. Nothing on the Service is a recommendation or solicitation to buy, sell, or hold any security.

The Publisher is not registered as an investment adviser, broker-dealer, financial planner, or fiduciary with the U.S. Securities and Exchange Commission (SEC), any state securities regulatory authority, or any other regulatory body. No advisory relationship, fiduciary relationship, or special duty of care is created between you and the Publisher by your use of the Service or your subscription.

The Service operates as a bona fide financial publication under the publisher's exclusion of the Investment Advisers Act of 1940. Content is impersonal in nature, available to all subscribers on the same terms, and published on a regular schedule. No content is tailored to any individual subscriber's financial situation, risk tolerance, tax circumstances, or investment objectives.

You are solely responsible for evaluating any information on the Service and for all investment decisions you make. You should consult with qualified, licensed professionals (including financial, tax, and legal advisers) before making any investment or financial decision.

By using the Service, you acknowledge that you understand the risks of investing — including the possible loss of your entire investment — and that you accept full and exclusive responsibility for your own financial decisions and outcomes.

4. No Reliance; Your Own Due Diligence

Any research, commentary, portfolio data, or stock picks published through the Service describe what the Publisher owns, is considering, or has owned — not what you should do. You agree not to treat any content as a directive, instruction, or personalized recommendation.

You agree to conduct your own independent research and due diligence before acting on any information from the Service. Past performance of the Publisher's portfolio or any individual pick is not indicative of future results and is no guarantee of your results if you choose to invest similarly.

5. Conflicts of Interest Disclosure

The Publisher and its operators hold positions in securities discussed through the Service. We may buy, sell, or hold any security mentioned in our publications at any time, before or after publication, without notice to subscribers.

We do not receive compensation from any company whose securities are featured in the Service. Our sole source of revenue is subscription fees paid by members. We do not accept advertising, sponsored content, or affiliate commissions from brokerage firms or financial institutions.

6. Subscription and Payment

Access to the Service requires a paid annual subscription. Outpick is the seller of the Service. Stripe is our payment processor and provides hosted checkout, billing, and invoicing. Stripe Tax calculates applicable sales tax, VAT, or similar taxes based on the information provided at checkout and our registered jurisdictions.

By subscribing, you authorize recurring annual charges to your chosen payment method. The standard subscription fee is $1,000 USD per year, billed annually, plus applicable taxes. Eligible founders accounts pay $250 USD for the first annual period only and $1,000 USD per year thereafter, plus applicable taxes.

You may cancel your subscription at any time through your account settings through the Stripe Customer Portal. Cancellation takes effect at the end of your current billing period. We do not offer prorated refunds for partial subscription periods.

7. Refund Policy

Due to the nature of the Service (immediate access to proprietary research and portfolio data), all sales are final. We do not offer refunds except where required by applicable law or at our sole discretion in exceptional circumstances. Refund requests may be directed to us at [email protected].

8. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access or use.

Each subscription is for a single individual. You may not share your login credentials, distribute our content, or resell access to the Service. Violation of this provision may result in immediate termination of your account without refund.

9. Intellectual Property

All content provided through the Service — including research notes, analysis, portfolio data, and website design — is the intellectual property of the Publisher and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or publicly display any content from the Service without our prior written consent.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components. We make no representations or warranties regarding the accuracy, reliability, timeliness, or completeness of any content, including stock picks, analysis, or performance data.

11. Limitation of Liability

To the maximum extent permitted by applicable law, the Publisher, its operators, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages — including loss of profits, loss of data, loss of investment, trading losses, or any other financial losses — arising from or related to your use of, reliance on, or inability to use the Service, whether or not we have been advised of the possibility of such damages.

Without limiting the foregoing, the Publisher is not responsible for any investment losses you incur, whether or not those losses relate to content published through the Service, securities mentioned in the Service, or decisions you make based on the Service.

Our total aggregate liability to you for all claims arising out of or related to the Service shall not exceed the greater of (a) the amount you paid to us in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars ($100). This limitation applies regardless of the form of action, whether in contract, tort, strict liability, or otherwise.

12. Assumption of Risk

You expressly acknowledge that investing in securities involves substantial risk and that you may lose some or all of your invested capital. You assume all risk associated with any investment or trading decisions you make, including decisions made after reading, viewing, or relying on any content from the Service. You agree that the Publisher bears no responsibility for your investment outcomes.

13. Indemnification

You agree to indemnify, defend, and hold harmless the Publisher, its operators, and contributors from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your investment, trading, or financial decisions; or (d) your violation of any law or the rights of any third party.

14. Modifications

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or through the Service at least fourteen (14) days before they take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must cancel your subscription before the effective date.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United States and the state in which the Publisher is domiciled, without regard to conflict-of-law principles.

Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, except that either party may seek injunctive relief in court for intellectual property or unauthorized use of the Service. The arbitrator's decision shall be final and binding.

You agree that dispute resolution will be conducted only on an individual basis and not as a class action, class arbitration, or other representative proceeding. You waive any right to participate in a class action lawsuit or class arbitration against the Publisher.

16. Severability

If any provision of these Terms is found 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.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Publisher with respect to the Service and supersede all prior or contemporaneous communications, whether electronic, oral, or written.

18. Contact

For questions regarding these Terms, contact us at [email protected].