Terms of Service

§ 01

Agreement to these Terms.

These Terms of Service ("Terms") form a legally binding agreement between you and SAR SOLUTIONS, LLC ("ATLAS", "we", "us", or "our"), which owns and operates the ATLAS platform at atlas-stocks.com and its subdomains (the "Services").

By creating an account, subscribing, or otherwise using the Services, you accept these Terms, our Privacy Policy, and our Disclaimer, which are incorporated here by reference. If you do not accept them, do not use the Services.

If you are accepting on behalf of a company or other organization, you represent that you have authority to bind it, and "you" means that organization.

§ 02

The company.

The Services are owned and operated by:

ATLAS is the commercial name and product through which we provide the Services. All intellectual property, contracts, and user relationships relating to ATLAS are held by this entity.

§ 03

Eligibility.

You must be at least 18 years old and legally able to enter into a contract. The Services are not available to anyone previously removed from the platform, or to anyone barred from receiving them under U.S. sanctions or export laws.

You are responsible for making sure that using the Services is lawful where you live. Some jurisdictions restrict the distribution of investment-related content. If yours does, do not use ATLAS.

§ 04

What ATLAS is — and what it is not.

ATLAS is a quantitative research tool. It runs Monte Carlo simulations and other statistical models over historical market data to estimate probabilities of price outcomes, and it presents dashboards, portfolio tools, reports, and written summaries generated with the help of AI.

Using the Services does not create a fiduciary, advisory, or agency relationship between you and us. Read the full Disclaimer at /disclaimer before you rely on anything ATLAS produces.

§ 05

Your account.

You must give accurate, complete information when registering and keep it current. One person, one account, unless we agree otherwise in writing.

You are responsible for your credentials and for everything that happens under your account. Tell us immediately if you suspect unauthorized use. We may suspend or close an account that violates these Terms, creates legal risk, or has been inactive and unpaid for an extended period.

§ 06

Plans, credits, and billing.

ATLAS offers a base tier with a monthly allowance of credits, one-time credit packs, and paid subscription plans. Credits are consumed when you run simulations and other compute-intensive features. The current plans, prices, and credit allowances are shown at /pricing and in your account.

• Payments are processed by Stripe. By subscribing, you authorize us and Stripe to charge your payment method for the plan price plus any applicable taxes.
• Subscriptions renew automatically at the end of each billing period, at the then-current price, until you cancel.
• We will tell you before any price increase takes effect, and you can cancel before it applies.
• Monthly credits reset at the start of each cycle and do not roll over. Purchased credit packs do not expire while your account is open.
• Credits have no cash value, are not property, and cannot be transferred, resold, or exchanged for money.
• If a payment fails, we may retry it and may suspend access until it clears.

§ 07

Cancellation and refunds.

You can cancel at any time from Settings, or by emailing us. Cancellation stops the next renewal; your paid access continues until the end of the period you have already paid for. We do not require you to call anyone or speak to a retention agent to cancel.

Except where the law requires otherwise, fees already paid are non-refundable, and we do not provide partial refunds for unused time or unused credits.

Consumers in the EEA and the UK have a statutory 14-day right of withdrawal, and consumers in Mexico have rights under the Ley Federal de Protección al Consumidor. See section 21.

§ 08

Your content.

You keep ownership of everything you put into ATLAS — portfolios, positions, watchlists, notes, preferences ("Your Content").

You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, analyze, and display Your Content solely to operate, secure, and improve the Services for you. This license ends when you delete the content or close your account, except for backups pending deletion and for aggregated, de-identified data that no longer identifies you.

§ 09

Third-party data and integrations.

ATLAS relies on third-party data and services, including market data vendors, news providers, payment processors, and AI model providers. Each is governed by its own terms.

We do not control third-party data and do not warrant that it is accurate, complete, timely, or uninterrupted. Market data may be delayed, revised, or wrong. We are not liable for losses caused by errors, delays, or outages in third-party feeds.

§ 10

Acceptable use.

You agree not to:

• Use the Services for anything unlawful, fraudulent, deceptive, or in breach of securities law — including market manipulation or trading on material non-public information.
• Scrape, crawl, or use bots to extract data from the Services, or run automated queries at a volume that burdens our infrastructure.
• Reverse-engineer, decompile, or attempt to derive our source code, models, prompts, or methodology.
• Resell, sublicense, redistribute, or publicly display the Services or their outputs without our written consent.
• Use ATLAS outputs to train, fine-tune, benchmark, or build a competing model, product, or service.
• Share your account, circumvent credit limits or paywalls, or misuse trials or promotional codes.
• Upload malware, attempt to breach our security, or interfere with other users.
• Present ATLAS outputs as personalized investment advice, or use them to give such advice to others without the licenses that requires.

We may investigate suspected violations and suspend or terminate access, with or without notice, where we reasonably believe these rules have been broken.

§ 11

Confidentiality of our materials.

Our models, prompts, methodologies, unpublished backtests, institutional reports, and any materials marked or reasonably understood to be confidential are our confidential information. You may use them for your own personal or internal business purposes only.

You agree not to disclose them to third parties, publish them, or use them to develop a competing product. This obligation survives termination for as long as the information stays confidential. It does not apply to information that is or becomes public through no fault of yours, that you already had, or that you must disclose by law — in which case, tell us first if you legally can.

This does not restrict you from discussing publicly available ATLAS outputs, from posting about your own results, or from reviewing or criticizing the product.

§ 12

Intellectual property.

All rights in the Services — software, models, algorithms, prompts, datasets, reports, dashboards, designs, text, and the ATLAS name and marks — belong to SAR SOLUTIONS, LLC or its licensors, and are protected by copyright, trade secret, and other laws.

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for your own personal, non-commercial investment research, in line with these Terms. Nothing else is granted, expressly or by implication.

§ 13

Feedback.

If you send us ideas, suggestions, or feedback, we may use them freely, without obligation or compensation to you. Please do not send us anything you consider confidential.

§ 14

Availability and changes.

We may change, suspend, or discontinue any part of the Services at any time. We aim for high availability but do not promise uninterrupted or error-free operation. Scheduled maintenance, outages at our providers, and market data failures happen.

We may update these Terms. If a change is material, we will give you notice by email or in the platform before it takes effect. Continued use after that is acceptance. If you do not accept, stop using the Services and cancel.

§ 15

Disclaimers.

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT ANY DATA IS ACCURATE OR COMPLETE, OR THAT ANY PROBABILITY, SIMULATION, OR ESTIMATE WILL BE REALIZED. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. INVESTING INVOLVES RISK, INCLUDING THE POSSIBLE LOSS OF PRINCIPAL.

§ 16

Limitation of liability.

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER SAR SOLUTIONS, LLC NOR ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, TRADING LOSSES, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. Where that is the case, these limits apply to the maximum extent permitted, and nothing here excludes liability for fraud, willful misconduct, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded.

§ 17

Indemnification.

You will defend, indemnify, and hold harmless SAR SOLUTIONS, LLC and its members, managers, officers, employees, and agents from any claims, damages, liabilities, losses, and costs (including reasonable legal fees) arising from your use of the Services, Your Content, your breach of these Terms, or your violation of any law or third-party right. This does not apply to the extent the claim arises from our own gross negligence or willful misconduct.

§ 18

Termination.

You may stop using the Services and delete your account at any time. We may suspend or terminate your access if you breach these Terms, if we are required to by law, or if we discontinue the Services.

On termination, your license to use the Services ends. Sections that by their nature should survive — including confidentiality, intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law — survive.

§ 19

Dispute resolution and arbitration (U.S. users).

This section applies to users in the United States. It does not apply to consumers in the EEA, the UK, or Mexico — see section 21.

Talk to us first

Before starting a formal proceeding, email info@atlas-stocks.com with a description of the dispute and the relief you want. We will try in good faith to resolve it within 60 days.

Binding arbitration

If we cannot resolve it, you and we agree that any dispute arising out of or relating to these Terms or the Services will be settled by final and binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before one arbitrator, seated in Wilmington, Delaware, in English. The Federal Arbitration Act governs.

Class action waiver

Disputes will be arbitrated only on an individual basis. You and we waive any right to bring or participate in a class, collective, consolidated, or representative action. The arbitrator may not consolidate claims or preside over any form of representative proceeding.

Exceptions

Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court to protect intellectual property or confidential information.

Opt out — 30 days

You can reject this arbitration agreement by emailing info@atlas-stocks.com within 30 days of first accepting these Terms, with the subject line "Arbitration Opt-Out" and your name and account email. Opting out does not affect any other part of these Terms.

§ 20

Governing law.

These Terms and any dispute arising from them are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law rules. Where section 19 does not apply, the state and federal courts located in Delaware have exclusive jurisdiction, and you consent to their jurisdiction and venue.

This does not deprive consumers of the protection of the mandatory law of the country where they habitually reside. See section 21.

§ 21

Regional terms.

EEA and UK consumers

Nothing in these Terms limits your mandatory statutory rights. You have a 14-day right of withdrawal from the date you subscribe; if you ask us to start providing the Services immediately, you acknowledge you may lose that right once the Services are fully performed, and otherwise you may be charged pro rata for what you used. Section 19 (arbitration and class waiver) does not apply to you. You may bring proceedings in the courts of your country of residence, and we may only sue you there. The EU Online Dispute Resolution platform is available at ec.europa.eu/consumers/odr.

Mexican consumers

Nothing in these Terms limits your rights under the Ley Federal de Protección al Consumidor. Section 19 (arbitration and class waiver) does not apply to you. You may bring proceedings before the competent courts of your domicile, and you may seek conciliation through PROFECO (profeco.gob.mx).

All non-U.S. users

The Services are provided from the United States. We make no representation that the Services are appropriate or available in your country, and you are responsible for compliance with local law.

§ 22

General.

• Entire agreement — these Terms, the Privacy Policy, and the Disclaimer are the whole agreement between us and replace any prior understanding.
• Severability — if a provision is held unenforceable, it is modified to the minimum extent needed, or severed, and the rest remains in force.
• No waiver — our failure to enforce a right is not a waiver of it.
• Assignment — you may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.
• Force majeure — we are not liable for failures caused by events beyond our reasonable control, including outages at our providers, exchange failures, and acts of government.
• Notices — we will send notices to the email on your account. You send notices to us at the address in section 02.
• Language — if we publish a translation of these Terms and there is a conflict, the English version controls, except where local law says otherwise.

§ 23

Contact.

Questions or notices about these Terms: