Terms of Service
Updated 2026-06-12
I SEE STOCKS — Terms of Service
1. Acceptance and Eligibility
1.1 Acceptance
By creating an account, clicking "I agree," or otherwise accessing or using the Service, you (the "User") agree to be bound by these Terms of Service ("Terms"), the Privacy Policy, the Refund Policy, and the Disclaimer (collectively, the "Agreement"). If you do not agree, you must not use the Service.1.2 Age
The Service is offered only to individuals who are at least eighteen (18) years of age (the age of majority in Delaware). Users in jurisdictions with a different age of majority must additionally meet that local threshold. We do not knowingly permit registration by persons under thirteen (13) years of age (United States COPPA), under fourteen (14) years of age (Republic of Korea PIPA), or under thirteen (13) years of age (Japan APPI). If you become aware that a minor has registered, please notify [email protected].1.3 Capacity
By accepting these Terms you represent that you have the legal capacity to enter into a binding contract, and, if you are acting on behalf of an entity, that you are authorized to bind that entity.2. The Service — What It Is and What It Is Not
2.1 What the Service Is
The Service is a community platform on which Users publish, in their own voice, retrospective accounts of investment decisions they have already closed, and discuss them with other Users. All posts are first-person retrospectives authored by Users. The Service is offered as a tool for personal reflection, peer learning, and post-hoc discussion.2.2 What the Service Is NOT
The Service is NOT, and Hatdown LLC does NOT provide:2.3 No Fiduciary Relationship
No fiduciary, advisory, agency, partnership, or similar relationship is created between Hatdown LLC and any User, or between any two Users, by reason of use of the Service.3. User Accounts
3.1 Registration
You may register using email + password, Google OAuth, or Kakao OAuth. You must provide accurate registration information and keep it current.3.2 Handle
At registration you must choose a public handle ("@handle") consisting of three (3) to twenty (20) characters from the set [a-z0-9_], not on the reserved-word blocklist (e.g., admin, support, iseestocks). Your handle may be changed one (1) time after creation, after which it is locked. The Company reserves the right to reclaim impersonating, trademark-infringing, or abusive handles.3.3 Credentials
You are responsible for safeguarding your password and any OAuth-linked accounts and for all activity conducted under your account.3.4 One Account per Person
Each natural person may maintain only one (1) account. Multi-accounting to evade moderation, inflate engagement, or circumvent these Terms is prohibited.3.5 Termination by User
You may terminate your account at any time via `/settings`. Termination triggers the soft-delete and hard-delete procedure described in the Privacy Policy.3.6 Termination by Company
We may suspend or terminate your account, with or without notice, for material breach of these Terms, suspected fraud, abuse, legal risk, or as required by law. Where notice is practicable and lawful, we will give it.4. User Content and the User-Content Safe Harbor
4.1 Ownership of User Content
You retain all intellectual-property rights to the content you author and post on the Service ("User Content"), including retrospective post bodies, comments, memos, and (subject to underlying broker/exchange rights, if any) uploaded screenshots.4.2 License to Hatdown LLC
You grant Hatdown LLC a non-exclusive, royalty-free, worldwide, sublicensable, transferable license to host, store, reproduce, display, distribute, and create derivative works of your User Content solely for the purpose of operating, improving, and promoting the Service. This license terminates within a reasonable period after you delete the content or your account (see soft-delete + 30-day hard-delete + backup-rotation timeline in the Privacy Policy).4.3 No Attribution to Company
User Content reflects the personal views and personal historical experience of the User who authored it. User Content is not attributable to, endorsed by, or adopted by Hatdown LLC. This Section 4.3 is intended to invoke the structural posture taken by the U.S. Securities and Exchange Commission in its Marketing Rule (17 CFR §275.206(4)-1) and related no-action guidance regarding third-party content not adopted or selected by the entity hosting it.4.4 No Curation, Selection, Ranking, Recommendation, or Promotion
To preserve the user-content posture described in Section 4.3 and the hosting-provider posture under the EU Digital Services Act ("DSA") Articles 4 and 6 (formerly e-Commerce Directive Article 14), Hatdown LLC expressly does NOT:4.5 ROI Watermark
Every numeric return-on-investment value displayed on the Service is rendered with a "Self-reported · Unverified" watermark, both visually (badge component) and, for uploaded screenshots, pixel-baked into the image itself, alongside the author's handle and the version of this disclaimer.4.6 Closed Past-Tense Verbs Only
The composer accepts only the following six verbs and no others: `bought`, `sold`, `held`, `added`, `trimmed`, `exited`. The server rejects any post whose period-end date is in the future. The Service does not offer any field for price targets, target prices, or future entry prices, and the server rejects any payload containing such a field.5. Prohibited Content and Conduct
You may NOT use the Service to:
The Company reserves the right to remove offending content and to terminate accounts.
6. Reporting and Moderation
6.1 Report Codes
Users may report any post or comment using one of: `forward_advice_signals`, `doctored_screenshot`, `pump`, `spam`, or `other`.6.2 Review
The Company reviews reports within fourteen (14) days, or sooner upon accumulation of reports, and may hide (soft-delete), remove, or suspend the offending content or account.6.3 No Reverse Curation
Moderation actions are subtractive only. The Company does not feature, pin, promote, or otherwise elevate content as a result of moderation. There is no "trending after moderation" or "featured after report" workflow.6.4 Pseudonymity of Reporters
Reporter identities are not disclosed to reported Users.6.5 Appeals
A User whose content has been removed may appeal in writing to [email protected] within thirty (30) days. The Company will respond within fourteen (14) days. Appeals available to EU Users under DSA Article 20 are preserved.7. Premium Subscription and Billing
7.1 Plans and Pricing
The Premium subscription is offered in two billing cycles, in U.S. dollars, processed by Stripe, Inc.:7.2 Auto-Renewal and Cancellation
Subscriptions auto-renew at the end of each billing cycle. You may cancel at any time, with no penalty, by: (a) using the Stripe Customer Portal accessible from `/billing`, or (b) e-mailing [email protected].On cancellation, you retain Premium access until the end of the then-current billing cycle, after which your account reverts to the Free tier.
7.3 Payment Card Storage
Hatdown LLC does NOT store card numbers, CVCs, or expiration dates. All such data is processed and stored directly by Stripe.7.4 Failed Payments
Failed recurring payments trigger Stripe's automatic retry (dunning) policy. If all retries fail, the subscription terminates automatically and the account reverts to the Free tier.7.5 Groups on Downgrade
If a Premium subscriber owns a Group and cancels (or fails to renew) their subscription, the Group continues normally through the end of the paid period, after which the Group is archived (read-only) — no new posts, no new member approvals, no invite-code rotation; existing members retain read access; re-subscribing restores write access. No User data is deleted as a consequence of downgrade.7.6 Refunds
Refunds are governed by the Refund Policy, which is incorporated by reference and has the same legal force as these Terms.7.7 Stripe as Payment Processor
Stripe, Inc. acts as the payment processor under its own terms of service. We are not a money transmitter and do not hold User funds.8. Intellectual Property
8.1 Service IP
The Service software, brand, marks, design, code, and database structures are the property of Hatdown LLC and its licensors.8.2 Trademarks
"I SEE STOCKS" and the I SEE STOCKS logo are unregistered trademarks of Hatdown LLC. All other trademarks referenced on the Service are the property of their respective owners.8.3 DMCA / Copyright Notice
Notices of alleged copyright infringement under the U.S. Digital Millennium Copyright Act (17 U.S.C. §512) may be sent to [email protected] with the subject "DMCA Notice." Notices must include the elements required by 17 U.S.C. §512(c)(3).9. Disclaimers and No Warranty
9.1 As-Is
THE SERVICE AND ALL USER CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.9.2 No Investment Advice
NOTHING ON THE SERVICE — WHETHER POSTED BY THE COMPANY OR ANY USER — CONSTITUTES INVESTMENT ADVICE, A RECOMMENDATION TO BUY, SELL, OR HOLD ANY SECURITY OR OTHER FINANCIAL INSTRUMENT, A PRICE PREDICTION, OR A SOLICITATION. ALL POSTS ARE PERSONAL RETROSPECTIVES BY INDIVIDUAL USERS, AND ALL DISPLAYED RETURNS ARE SELF-REPORTED AND UNVERIFIED.9.3 Past Performance
PAST PERFORMANCE IS NOT A GUIDE TO, INDICATIVE OF, OR A GUARANTEE OF FUTURE PERFORMANCE.9.4 Mandatory Local Rights
These disclaimers do not waive non-waivable consumer-protection rights you may have under the law of your country of residence, including but not limited to the Republic of Korea Act on the Regulation of Terms and Conditions (약관규제법) and the EU Unfair Contract Terms Directive (93/13/EEC).10. Limitation of Liability
10.1 Cap
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HATDOWN LLC'S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE TOTAL SUBSCRIPTION FEES ACTUALLY PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD 100).10.2 Excluded Damages
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HATDOWN LLC SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOST OPPORTUNITY, EVEN IF ADVISED OF THE POSSIBILITY THEREOF.10.3 Carve-outs
The limitations in Sections 10.1 and 10.2 do not apply (a) to gross negligence, willful misconduct, or fraud by the Company; (b) where prohibited by applicable mandatory consumer-protection law; or (c) to indemnification obligations of either party for third-party claims.11. Indemnification
You agree to defend, indemnify, and hold harmless Hatdown LLC, its officers, members, employees, contractors, and agents from and against any and all third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
The Company will provide prompt notice of any claim subject to indemnification and reasonable cooperation. The Company reserves the right to control the defense of any matter for which it is entitled to indemnification, at your expense.
This indemnity does not apply to claims by Users who are consumers in jurisdictions where such indemnification is not enforceable against consumers.
12. Termination
12.1 By User
You may terminate your account at any time via `/settings`, triggering the soft-delete and hard-delete procedure in the Privacy Policy.12.2 By Company
The Company may terminate or suspend your account for material breach of these Terms, for legal risk, for prolonged inactivity (subject to advance notice), or as required by law.12.3 Survival
Sections 4 (license), 8 (IP), 9 (disclaimers), 10 (limitation), 11 (indemnification), 13 (dispute resolution), and 14 (governing law) survive termination.13. Dispute Resolution
13.1 Good-Faith Negotiation
The parties shall first attempt to resolve any dispute amicably and in good faith by written notice to [email protected], with at least thirty (30) days for the Company to respond.13.2 Binding Arbitration (U.S. and Non-Consumer Users)
Except as provided in Section 13.3 and Section 14, any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved by good-faith negotiation shall be resolved by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, before a single arbitrator. Arbitration shall be seated in Wilmington, Delaware, conducted in English, and the arbitrator's award shall be enforceable in any court of competent jurisdiction. Each party shall bear its own costs and attorneys' fees except where the arbitrator awards otherwise. The Federal Arbitration Act (9 U.S.C. §1 *et seq.*) governs the interpretation and enforcement of this Section 13.2.13.3 Small-Claims Carve-out
Either party may, in lieu of arbitration, bring an individual action in small-claims court for disputes within that court's jurisdiction.13.4 No Class Actions (U.S. and Non-Consumer Users)
TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY WAIVES ANY RIGHT TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION against the other.13.5 Opt-Out of Arbitration
A new User may opt out of Section 13.2 and Section 13.4 by sending written notice to [email protected] with the subject "Arbitration Opt-Out" within thirty (30) days of account creation. Opt-out does not affect any other provision.13.6 Consumer Users in Other Jurisdictions
Sections 13.2 and 13.4 do not apply to:14. Governing Law and Jurisdiction
14.1 Governing Law
These Terms are governed by, and shall be construed in accordance with, the laws of the State of Delaware, U.S.A., excluding its conflict-of-laws rules and excluding the United Nations Convention on Contracts for the International Sale of Goods.14.2 Venue
For any dispute not subject to arbitration under Section 13, the state and federal courts located in New Castle County, Delaware shall have exclusive jurisdiction, subject always to the consumer carve-outs of Section 13.6.15. Korean Users — Preservation of Local Rights (해외사업자 약관 특례)
For Users resident in the Republic of Korea, nothing in these Terms (and in particular Sections 9, 10, 13, and 14) waives or limits:
Where any provision of these Terms conflicts with mandatory Korean consumer-protection law, the mandatory Korean law prevails for Korean-resident Users.
16. Changes to These Terms
The Company may modify these Terms. Material modifications take effect at least thirty (30) days after notice via the Service (and, for Premium subscribers, via e-mail); non-material modifications take effect at least seven (7) days after notice. Continued use after the effective date constitutes acceptance. If you do not accept, you may terminate your account.