Terms of Service

Effective date: May 25, 2026 Last updated: May 25, 2026 (Wave 13-D — picks-as-state architecture + 6 specialists) Operator: TIMxAI LLC, a Pennsylvania limited liability company ("TIMxAI", "we", "us", "our") Contact: legal@tickin.io

These Terms of Service ("Terms") govern your access to and use of the Tickin application, and any related websites, APIs, content, and services we make available (collectively, the "Service"). By creating an account, signing in, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. WHAT TICKIN IS — PLEASE READ FIRST

Tickin is an artificial-intelligence platform that publishes the opinions of six specialist AI investors — Value, Day-Trade, Macro, Activist, Technical, and Quant — trained on the patterns of well-known real investors. Each specialist publishes a rolling set of picks, owns its track record, and explains its reasoning in plain English.

THE SERVICE IS NOT INVESTMENT ADVICE, FINANCIAL ADVICE, TAX ADVICE, LEGAL ADVICE, OR ANY OTHER PROFESSIONAL ADVICE. NOTHING ON OR PROVIDED THROUGH THE SERVICE IS A PERSONALIZED RECOMMENDATION, SOLICITATION, OR OFFER TO BUY, SELL, OR HOLD ANY SECURITY OR OTHER FINANCIAL INSTRUMENT.

You acknowledge and agree that:

TIMxAI does not execute trades on your behalf, does not take custody of any funds, and is not connected to any brokerage, bank, or money-movement system. Everything Tickin produces is a research opinion. You execute (or don't) in your own broker.
TIMxAI is not a registered investment adviser under the Investment Advisers Act of 1940 or any state securities law.
TIMxAI is not a broker-dealer, is not registered with the U.S. Securities and Exchange Commission ("SEC") or the Financial Industry Regulatory Authority ("FINRA"), and is not a member of the Securities Investor Protection Corporation ("SIPC").
TIMxAI is not a financial planner, fiduciary, or custodian of your assets. No fiduciary, advisory, or special relationship is created between you and TIMxAI by your use of the Service.
The specialists' picks, theses, scores, "Get in around", "Cut losses at", and "Goal" values, watchlists, charts, simulations, summaries, news commentary, and AI-generated chat responses are generalized algorithmic output. They are computed identically for every user looking at a given ticker. They are not personalized to you, your financial situation, your goals, your risk tolerance, your tax position, your investment horizon, your life stage, or any other circumstance.
The Service's chat is general-purpose and refuses personalized buy/sell prompts. Even when the chat references a specific ticker, its answer is not investment advice and is not personalized to you.
Investing involves risk, including the possible loss of principal. Past performance — including the specialists' track records shown in the History tab — is not indicative of future results. Specialist track records reflect simulated picks; real-world performance may differ materially because of fees, taxes, slippage, liquidity, and market conditions.
All investment decisions are your sole responsibility. Consult a licensed financial professional before making any investment decision.

1.1 Tickin is an AI system. AI can and does make mistakes.

The specialists, the chat, and the score engine are powered by large language models, retrieval systems, and statistical algorithms operating over publicly available market data. These systems can and do produce inaccurate, incomplete, biased, hallucinated, or outdated information — including misstating facts, missing context, misreading filings, confusing tickers, and confidently asserting things that are wrong. You must independently verify anything Tickin tells you before acting on it.

Tickin's quality is expected to improve as models, data, and methods are updated. We make no guarantee of improvement or correctness.

1.2 No payment-for-pick conflicts.

We do not take broker kickbacks. We do not take payment-for-order-flow. We do not accept fund partnerships, paid placements, or sponsored picks. The specialists' picks reflect what the models think, not what someone paid for them to think.

1.3 No liability for losses.

TIMxAI is not responsible for any losses, missed opportunities, lost profits, tax consequences, or other financial outcomes you incur in reliance on the Service — whether the outcomes arise from accurate output, inaccurate output, AI errors, model hallucinations, data gaps, system downtime, your own misinterpretation, or any other cause. The detailed limitation of liability is in Section 9.

You agree not to rely on the Service as the sole basis for any investment decision. If you trade or make other financial decisions in reliance on anything you see on Tickin, you do so entirely at your own risk.

2. Eligibility

You may use the Service only if all of the following are true:

You are at least 18 years of age and have the legal capacity to enter into binding contracts.
You are a resident of the United States and accessing the Service from within the United States. The Service is not offered to residents of the European Union, the United Kingdom, or any jurisdiction in which the Service would be unlawful.
You are not barred from financial information products under applicable law and are not on any U.S. government list of prohibited or restricted parties.
You have not previously had an account terminated by TIMxAI for cause.

If you are creating or using an account on behalf of an entity, you represent you have authority to bind that entity, in which case "you" includes that entity.

3. Accounts

3.1 Account creation

Accounts are created by email magic link or by federated sign-in (Google or Apple) through our authentication provider. You must provide an email you control and accurate information.

3.2 One account per person

You may maintain one (1) account per natural person. No creating multiple accounts to evade limits, bans, or paid-tier requirements.

3.3 No account sharing

You may not share magic links, federated sign-in credentials, session tokens, or account access. You are responsible for all activity under your account.

3.4 Security

Promptly notify us at legal@tickin.io of any suspected unauthorized access to your account. We are not liable for losses arising from your failure to safeguard your account or credentials.

4. Acceptable use

You agree not to, and not to let anyone acting on your behalf:

Use the Service in violation of law;
Scrape, crawl, harvest, mirror, or systematically extract content except as expressly permitted by us in writing;
Reverse engineer, decompile, disassemble, or derive the source code or model weights;
Probe, scan, or test the vulnerability of the Service, or breach any auth, rate-limit, or security measure;
Interfere with the Service, including with malicious code, denial-of-service traffic, or abusive prompts;
Operate any automated trading bot, broker integration, order router, or execution system that interacts with the Service or treats its output as a real-time trading signal;
Use the Service to develop a competing product or to train a machine-learning model;
Resell, sublicense, rent, lease, or commercially redistribute the Service or its content;
Use the Service to harass, defame, or harm any person, or to publish anything unlawful, defamatory, harassing, or infringing;
Misrepresent your identity, age, residency, or eligibility;
Remove, obscure, or alter any proprietary notice, branding, or disclaimer.

We may rate-limit, throttle, suspend, or terminate access for any violation.

5. Subscriptions, billing, and refunds

5.1 Plans

The Service offers a free tier and one or more paid subscription plans (monthly and annual). Current pricing is displayed in the application. We may change pricing on a forward-looking basis on 30 days' notice.

5.2 What the free tier includes

One sample pick per horizon (Daily, Weekly, Monthly, Yearly) — four sample picks total.
Chat with paywall guardrail (general questions answered; paid-only topics return an upsell).
Watchlist limited to 5 tickers.

5.3 What the paid tier includes

All 40 active picks (10 per horizon × 4 horizons), each with full thesis, In/Goal/Cut levels, conviction, and position size.
Full History tab — every closed pick with the original thesis and the reason Tickin exited.
Specialist change-logs (raised target, lowered stop, modified thesis, closed).
Specialist scorecards — lifetime win rate per school.
Deep ticker analysis, Day-Trade intraday signals, Discover surfaces (Sectors, Shorts, Insiders, Earnings), threshold alerts, and unlimited chat with deep research.
Unlimited watchlist.

5.4 Auto-renewal

Paid subscriptions automatically renew at the end of each billing period at the then-current price, until you cancel. You authorize us and our payment processor to charge your selected payment method on each renewal.

5.5 Cancellation

Cancel at any time in account settings or by emailing legal@tickin.io. Cancellation takes effect at the end of the then-current billing period; you keep access to paid features until that date.

5.6 Refund policy

We offer a 7-day refund window on initial paid subscription purchases. Cancel within seven (7) days of your first paid charge and email legal@tickin.io and we will refund in full. After the 7-day window, fees are non-refundable except where required by law. Renewals are non-refundable.

5.7 Taxes

Prices are exclusive of sales, use, value-added, or similar taxes. You are responsible for taxes where applicable. We may collect and remit taxes through our payment processor.

5.8 Payment processor

Payments are processed by Stripe, Inc. or a successor we designate. Your payment information is handled subject to that processor's terms and privacy policy. We do not store your full payment card number.

6. Intellectual property

6.1 Our content

The Service, including all software, models, scores, picks, theses, designs, logos, and trademarks, is owned by TIMxAI or its licensors and is protected by U.S. and international IP laws. We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial informational purposes, subject to these Terms.

6.2 Your content

You retain ownership of any content you submit (chat messages, watchlists, simulator configurations, notes). By submitting content, you grant TIMxAI a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, and display it solely to operate, secure, debug, and improve the Service. We do not claim ownership and we do not sell it.

6.3 Feedback

If you send suggestions, you grant us a perpetual, irrevocable, royalty-free license to use that feedback for any purpose, with no obligation to you.

6.4 Third-party data

The Service displays market data, news, fundamentals, SEC filings, FINRA short-interest data, FRED macro data, and reference data sourced from third parties (including Massive Stocks Advanced). That content belongs to its respective owners and is subject to their terms. We make no representation about its accuracy or completeness.

7. DMCA / copyright complaints

If you believe content on the Service infringes a copyright you own, send a written notice to our designated agent that complies with 17 U.S.C. § 512, including:

Your physical or electronic signature.
Identification of the copyrighted work.
Identification of the allegedly infringing material and information sufficient for us to locate it.
Your contact information.
A good-faith statement that the use is not authorized.
A statement, under penalty of perjury, that the information is accurate and that you are authorized to act.

Send notices to: legal@tickin.io (subject: "DMCA Notice"). Repeat infringers' accounts will be terminated.

8. NO WARRANTY

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS, AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, TIMxAI AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT:

THE SERVICE WILL BE UNINTERRUPTED, TIMELY, ERROR-FREE, OR SECURE;
PICKS, SCORES, THESES, OR AI-GENERATED CONTENT IS ACCURATE, COMPLETE, RELIABLE, OR CURRENT;
ANY AI-GENERATED RESPONSE IS FREE FROM HALLUCINATION, ERROR, BIAS, OR OUTDATED DATA;
THE SERVICE WILL MEET YOUR REQUIREMENTS;
DEFECTS WILL BE CORRECTED.

YOU USE THE SERVICE AT YOUR OWN RISK.

9. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

IN NO EVENT WILL TIMxAI, ITS AFFILIATES, OR THEIR OFFICERS, MEMBERS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, INVESTMENT RETURNS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

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

TIMxAI IS NOT RESPONSIBLE FOR ANY INVESTMENT LOSS, MISSED OPPORTUNITY, OR TAX CONSEQUENCE YOU INCUR IN RELIANCE ON THE SERVICE.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of this Section 9 may not apply to you. In that case, our liability is limited to the smallest amount permitted by law.

10. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless TIMxAI, its affiliates, and their officers, members, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

Your use or misuse of the Service;
Your violation of these Terms;
Your violation of any law;
Your violation of any third party's rights;
Any investment, financial, or tax decision you make in reliance on the Service.

We may, at our option, assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate.

11. Dispute resolution — binding arbitration and class-action waiver

11.1 Informal resolution

Before any formal dispute, contact us at legal@tickin.io describing the claim and the relief sought. The parties will try in good faith to resolve within thirty (30) days.

11.2 Binding arbitration

If informal resolution fails, any dispute ("Dispute") will be resolved exclusively by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, except as provided in Section 11.4. A single arbitrator decides. The seat of arbitration is Philadelphia, Pennsylvania, unless the parties agree otherwise. The arbitrator has exclusive authority on threshold issues, including arbitrability.

11.3 CLASS-ACTION WAIVER

YOU AND TIMxAI EACH AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, COLLECTIVE, OR REPRESENTATIVE ACTION. If this waiver is found unenforceable, the entire arbitration agreement in this Section 11 is void.

11.4 Exceptions

Either party may bring (a) an individual action in small-claims court, or (b) a claim for injunctive or equitable relief in court to prevent infringement or unauthorized access.

11.5 30-day opt-out

You may opt out of this arbitration agreement by emailing legal@tickin.io within thirty (30) days of first accepting these Terms with the subject "Arbitration Opt-Out" and your full name and email. Opting out does not affect the rest of these Terms.

11.6 Governing law and venue

These Terms and any Dispute are governed by the laws of the Commonwealth of Pennsylvania (TIMxAI LLC is organized in Pennsylvania, not Delaware), without regard to conflict-of-laws rules. For any matter not subject to arbitration, the exclusive venue is the state or federal courts located in Philadelphia County, Pennsylvania, and each party consents to personal jurisdiction there.

12. Termination

We may suspend or terminate your access at any time and for any reason, including for violation of these Terms, suspected fraud, or risk to other users or to the Service. We may also discontinue the Service in whole or in part. On termination, your right to access the Service immediately ends, but Sections 1, 6, 7, 8, 9, 10, 11, and 13–15 survive.

You may stop using the Service at any time. To delete your account, use the in-app deletion flow at /settings (which calls /api/account/delete) or email privacy@tickin.io.

13. Changes to these Terms

We may update these Terms from time to time. Material changes will be posted in the Service and announced via email at least thirty (30) days before they take effect. Your continued use after the effective date constitutes acceptance. If you do not agree, stop using the Service.

14. Miscellaneous

Entire agreement. These Terms and the Privacy Policy are the entire agreement and supersede all prior agreements.
Severability. If any provision is unenforceable, the rest remain in force.
No waiver. Failure to enforce a provision is not a waiver.
Assignment. You may not assign without our written consent. We may assign in connection with a financing, merger, or sale of assets.
No third-party beneficiaries. Except for TIMxAI's affiliates and indemnitees.
Force majeure. Neither party is liable for delays caused by events beyond reasonable control.
Notices to you may be sent to the email on your account. Notices to us must be sent to legal@tickin.io.
U.S. government users. The Service is "commercial computer software" with only those rights granted under these Terms.
Export. You may not use or export the Service in violation of U.S. export laws.

15. Contact

Questions about these Terms? legal@tickin.io

TIMxAI LLC (Pennsylvania, U.S.A.)

By using Tickin, you confirm that you have read, understood, and agreed to these Terms of Service and to our Privacy Policy.

Last updated 2026-05-25.