Legal Notice, Disclaimer & Terms of Use
Review the agreement that applies to your use. The notice below is also presented for acceptance in the corresponding JOStocks app release. Your installed build records the version you accept; an older build may contain an earlier notice.
For data handling and privacy controls, read the Privacy page. For installation and product help, visit Support. Contact support@jostocks.com for legal notices, privacy requests or license questions.
Market analysis for your independent research. JOStocks provides general, automated market information. It does not manage your money, execute orders or assess whether a transaction is suitable for you. You make every investment decision.
Every reading has limits. Prices, Trade stages, estimated levels, news, statistics and alerts may be wrong, delayed or unavailable. A favorable reading does not promise a profit, and a displayed stop does not limit a loss.
Your agreement matters. Sections 9 and 12 address warranties and liability. Sections 18 and 19 address individual arbitration, the 30-day arbitration opt-out, and court proceedings. Mandatory legal rights remain protected.
1. Acceptance of these terms
These Terms govern the JOStocks application, its related market-information and notification services (together, the “Software”), and the JOStocks website at jostocks.com (the “Website”). References to the “Services” mean both. The “Operator” is the provider that supplies your JOStocks license and operates the related Services, reachable at support@jostocks.com. The “Providers” means the Operator and the developers, owners, contributors, licensors and distributors involved in providing the Services, together with their respective officers, employees and agents. “You” means the person using the Services.
The Software presents these Terms for affirmative acceptance. Selecting “I agree to the Terms” confirms your agreement to the version displayed. The Software records the accepted text identifier, build version and acceptance time locally on your device. If you disagree, do not accept or use the Software; you may close it and contact support about your license and any applicable refund rights.
The Website makes these Terms available before installation. Its informational disclaimers apply to Website content. Merely viewing the Website does not constitute affirmative acceptance of the arbitration or jury-trial waiver. A license, payment or distribution arrangement does not confer any right to personalized investment advice.
2. Safety of use: what the Software does and does not do
No order execution or custody. The Software has no order-entry capability, does not place, modify or cancel orders, and does not take custody of money or securities. Market-data API credentials, if supplied, authenticate market-data requests. When you explicitly connect Positions on an Apple device, the Software also reads your Webull account identifiers, US stock/ETF holdings and order history through the official API to calculate quantity and average cost locally. This optional feature may require Webull account authorization or 2FA. Do not enter brokerage passwords; use API access limited to the read operations you need, without order-entry or withdrawal permissions.
Private positions and cost calculations. Account authorization tokens remain in this device's Keychain. Imported holdings and the cost ledger stay in local files excluded from backup and are not sent to the Providers' notification service or included in watchlist/iCloud synchronization. An initial broker average is labeled WB; independent weighted averages require a confirmed opening basis or your review of available order history. Missing fills, transfers, splits and corrected orders may require reconciliation. Historical profit reports identify incomplete coverage and may rely on your explicit confirmation of complete history from a flat opening account. Sharing a selected report opens the device's share sheet; the exported image omits account identifiers. Displayed returns exclude fees and are not tax cost-basis records.
No JOStocks account or advertising tracking. The Software does not request your name, email address, telephone number, identity document or payment details to run. It contains no advertising, behavioral analytics or third-party tracking SDKs. This does not mean that all information associated with use is anonymous: network addresses, device notification tokens, license records and support correspondence can identify, or be linked to, an individual.
Activation and license checks. Your activation code is a credential issued for your license. It is stored on your device, in the system keychain on Apple platforms where available. License checks download a signed, published file and compare the code locally against one-way values; the checks do not upload your code or watchlists. The same file is served to all users. Hosting services can observe ordinary request information, including IP address and requested resource. The code and its derived value may be associated with the Operator’s separate license-administration records.
Local storage and iCloud. Watchlists, configuration, alert state, price targets and accuracy history are stored locally. On Apple platforms, supported watchlist and alert settings, including price targets, also synchronize through your own iCloud account. The Providers do not receive that iCloud record. API credentials are excluded from that synchronization, are stored locally, and are transmitted only to the issuing data provider to authenticate requests. Device backups, shared devices and your Apple account are subject to your settings and the relevant platform’s policies.
Optional server notifications. Enabling any server-delivered alert category registers your installation with the Providers’ notification service. Registration transmits the following operational information:
- Your activation code, over an encrypted connection, to verify your license. The registration service converts it into a one-way license value and does not retain the submitted raw code in the registration record.
- The Apple notification token for your installation, platform, app version and development or production notification environment.
- The symbols and timeframes selected for alerts; per-category symbol selections and action or direction filters; the selected Conservative or Aggressive analysis mode; confirmed-trend filtering; enabled categories (signals, economic releases, earnings, price targets, optimal-trade-entry, MACD, SAR and Trade); and any pause setting and its end time.
- The deduplicated symbols in your watchlists, for earnings notifications, without watchlist names, folders, ordering or notes.
- Price-target definitions: symbol, target price, direction, BUY/SELL label, creation time, recurrence setting and whether the target has fired.
Registration does not upload your API credentials, accuracy history, brokerage accounts, positions or balances. The Providers use the registration and related delivery state to operate and troubleshoot notifications. Apple processes device tokens and notification contents through Apple’s Push Notification service, and the network and hosting services involved process traffic to deliver the service. Notifications may include symbols, readings, Trade stages, calendar events and market levels. Anyone with access to your device or lock screen may see them; control their visibility in your operating-system settings. Widgets, Live Activities and Dynamic Island views can also show selected symbols, prices and Trade states on the device’s system surfaces. Live Activity quote updates are supplied on-device, without a separate JOStocks quote-push registration.
Withdrawal and deletion. Turning every alert category off requests removal of that installation’s server registration. Removal requires the request to reach and be successfully processed by the service; an offline device or failed request may delay it. Other registered devices remain registered until separately withdrawn. Invalid device tokens and expired or revoked licenses are removed when detected by the service. Uninstalling the app alone does not send a withdrawal request. Contact support if you need removal confirmed or performed manually.
Other network requests. The Software retrieves public market data, options, news, economic and earnings calendars, and instrument lists from third-party sources. Those sources receive ordinary request information and the instruments or queries requested. Some requests carry a randomly generated request identifier or credentials you supplied. Requests to the Providers’ shared market-climate and economic-news endpoints can occur even with alerts off; those requests do not include your activation code, watchlists or notification token. Opening an external article or website sends you to the publisher or service, whose own terms and privacy practices apply.
Website and correspondence. The Website contains no JavaScript, advertising trackers or analytics scripts and does not itself set cookies. Its fonts and stylesheet are hosted with the site. Hosting and security services necessarily process request information, including IP address and requested page. If you email support or arrange a license, the Operator receives the information you supply and may retain records needed for support, license administration, legal obligations and dispute resolution. Do not send passwords, API secrets, brokerage credentials or unnecessary sensitive information. Privacy requests may require proportionate verification to protect the right person’s records.
Security has limits. These descriptions explain the Software’s intended functions; they are not a guarantee against every security incident, defect, device compromise or financial loss. Protect your device, activation code and API credentials, keep supported software current, and independently verify market information. The Privacy page explains these practices further. Neither these Terms nor a privacy summary removes rights provided by applicable privacy or consumer law.
3. License, ownership and permitted use
Ownership and license. The Software, its interface, text and proprietary analysis logic remain the property of their respective owners. Subject to these Terms and your agreed license period, you receive a limited, personal, non-exclusive, non-transferable, non-sublicensable license for your own analysis. Website content may be read and used for your own research. No ownership or broader data license is transferred. Rights under third-party open-source and font licenses, including the MIT and SIL Open Font licenses supplied with the Software, remain unaffected.
Restrictions. Except where applicable law or a third-party license permits it, you must not share or publish your activation code; sell, sublicense or redistribute the Software; remove legal notices or version identifiers; circumvent access controls; reverse engineer or copy proprietary logic; scrape or overload the Services; or use their content for unlawful activity, market manipulation or violation of third-party rights. You must not present the output as licensed professional advice or use it to operate a signal-selling, advisory or managed-account service for other people. Nothing here prevents lawful criticism, reporting to authorities, or rights that cannot be restricted by contract.
License term and fees. Your term and any agreed fees are those disclosed when the Operator supplies your license. These Terms do not create an automatic renewal or authorize an undisclosed charge. Renewal requires agreement. Access may end when that term expires, agreed fees remain unpaid after notice, or you materially breach these Terms. Where a breach or non-payment can reasonably be corrected, the Operator will give notice and a reasonable opportunity to correct it. A disclosed or compromised code may be disabled promptly to prevent unauthorized access. The Operator may also suspend access where reasonably necessary to address a security threat or comply with law, with notice when practicable. Mandatory refund and consumer rights are preserved.
License verification and interruption. The Software periodically checks the signed license file described in §2. Expiration or revocation can stop every device using the affected code on the next check. An installation with a previously verified license can ordinarily continue for up to fourteen days without retrieving a current file, subject to the code’s own expiry and the verification checks. A new installation needs a current file. Signed files older than thirty days are not accepted. Consequently, loss of connectivity or failure to publish a current signed file can interrupt even a paid-up license. The Software displays license-status warnings; consult them and contact support promptly. Availability is also subject to §§9, 11 and 17. These technical limits do not extinguish any remedy required by law.
4. Nature of the Software: no investment advice
The Services provide general market information and educational analysis. They are not offered as personalized financial, investment, trading, tax, accounting or legal advice, or as an offer or solicitation to transact. They do not assess your finances, holdings, objectives, experience or ability to bear a loss. Selecting symbols, timeframes, modes or alert preferences configures the analysis; it does not create a suitability assessment or an advisory relationship.
Labels describe calculations. UP, DOWN, HOLD, bullish, bearish, consensus, conviction and similar terms describe an automated interpretation of the available inputs. Trade stages and labels such as entry, exit, target, stop, confirmation, invalidation, protective stop, risk/reward, Conservative, Aggressive, Normal, Sharp, OTE or optimal describe a model or setting. BUY/SELL labels attached to a price target reflect a configured label, not an order. None instructs you to transact, certifies that a trade is safe or suitable, or promises that a condition will occur. “Conservative” does not mean capital-protected or low risk; “optimal” does not mean the best achievable price or result. “ENTRY”, “MANAGE”, “PROTECT”, target reached, stop hit and other Trade states describe a hypothetical setup’s observed progression, not an actual fill, position, exit or profit. Protective levels and their adjustments are estimates; no stop is sent to a broker.
Automated assessments and “AI”. Directional reads and plain-English rationales are generated mechanically from market inputs and fixed rules, on the device or by related services as applicable. The term “AI” is a feature label, not a representation of human review, professional judgment, superior accuracy or knowledge of your circumstances. Different modes, data times, sources and settings may produce different results. Readings are conditional estimates, not guarantees or independently verified forecasts.
5. No registration; no advisory or fiduciary relationship
JOStocks is offered as market-analysis software, not as a registered investment adviser, broker-dealer, commodity trading advisor, futures commission merchant or other regulated financial intermediary. It is not represented as approved by the SEC, FINRA, CFTC, NFA, CVM or another regulator. Buying a license, receiving support or configuring alerts does not itself create an advisory, brokerage, agency or fiduciary relationship. Support concerns operation of the product and is not personal investment advice.
These descriptions do not determine regulatory status or waive duties that applicable law imposes. Nothing in these Terms excuses any Provider from registration or other requirements that legally apply to its actual activities, or waives a non-waivable fiduciary, statutory or consumer-protection duty.
6. Decision-making tool only: you are the sole decision-maker
You decide whether and how to trade. Before taking action, independently verify the instrument, contract, currency, session, timestamps, executable bid and ask, and relevant information with your broker or another authoritative source. Assess your own exposure, liquidity, margin, costs and suitability, and seek qualified advice where appropriate. The Software does not monitor your actual portfolio or protect a position.
A displayed level, colored marker, confidence figure or alert is not a reason to omit independent research. Silence, HOLD, missing data or the absence of a warning does not establish that risk is absent. Your decision to act, wait, disregard information or use leverage remains your decision, subject to the legal protections preserved in these Terms.
7. Risk disclosure
Trading stocks, ETFs, futures, options and other instruments involves a substantial risk of loss. You may lose all invested capital, and margined, short or leveraged positions may create losses exceeding your initial deposit. Liquidity can disappear; trading may halt; prices can gap; and a broker may liquidate a position or require additional collateral without a price you anticipated.
Options can expire worthless and involve exercise, assignment and volatility risks. Futures involve contract, expiry, rollover and potentially delivery obligations. Continuous or front-month symbols may not match the specific contract you trade. Leveraged and inverse products may diverge from an underlying asset over time. Cryptoassets and crypto-linked instruments can be highly volatile and subject to distinct custody, market and regulatory risks. Exchange rates, local market rules and different trading sessions introduce additional risks. Estimated stops, targets and risk/reward ratios cannot ensure execution or bound losses; a displayed stop is not a broker order. Do not trade with funds you cannot afford to lose, and do not assume that any mode removes these risks.
8. Past, hypothetical and simulated performance
Past performance does not guarantee future results. Accuracy scores, hit rates, backtests, replays, examples and model returns are analytical measurements rather than statements of actual client performance. A direction scored as correct may still correspond to an unprofitable or unexecutable trade.
HYPOTHETICAL AND SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. THEY MAY BENEFIT FROM HINDSIGHT AND MAY NOT FULLY ACCOUNT FOR LIQUIDITY, SPREADS, SLIPPAGE, COMMISSIONS, FEES, TAXES, FINANCING, EXECUTION DELAYS OR THE ABILITY TO WITHSTAND LOSSES. NO REPRESENTATION IS MADE THAT ANY ACCOUNT WILL ACHIEVE SIMILAR PROFITS, LOSSES OR ACCURACY.
Measurements depend on the available sample, scoring horizon, selected instruments, data quality and model version. Small samples, selection bias, revisions and changing markets can make them misleading. A conviction or consensus score is not a calibrated probability of success unless explicitly identified and supported as such. Read the measurement’s scope and limitations; do not infer a guaranteed edge or expected return.
9. No warranty: provided “as is”
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES AND THEIR CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITH ALL FAULTS. THE PROVIDERS DISCLAIM IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. THEY DO NOT WARRANT UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE OPERATION, ACCURATE OR COMPLETE OUTPUT, OR ANY TRADING OR INVESTMENT RESULT.
The Providers may investigate and correct defects without guaranteeing a particular correction time. This section does not exclude an express obligation the Operator has agreed in writing or a warranty, remedy or service standard that cannot lawfully be excluded. The preservation of mandatory rights in §19 applies throughout these Terms.
10. Third-party data: accuracy, delays and availability
The Services use third-party prices, bars, options data, news, calendars and instrument lists. Sources may include Yahoo Finance, Webull, Cboe, B3, Nasdaq, TradingView and the Federal Reserve Bank of St. Louis (FRED). Economic news may include links indexed by GDELT, TechCrunch stories and Federal Reserve and Bureau of Economic Analysis releases. Sources and coverage may change. Their names identify sources; they do not imply a partnership, permission for unrestricted redistribution or endorsement.
Data can be delayed or incorrect. Quotes and option chains may be delayed, indicative, incomplete, out of sequence or unavailable. Cboe option data is published on a delayed basis. Splits, dividends, contract rolls and other corporate or market events may be adjusted imperfectly. Last price is not an executable quote. Instruments and currencies can be misidentified. Data coverage differs by market, and missing inputs can change calculations without making the remaining inputs reliable. Brazilian futures views can combine an intraday proxy with dated exchange contract and settlement information; those are different instruments or reference prices. Currency conversions and cryptoasset proxies can introduce additional price and basis differences. Verify the actual contract, currency and source date.
Models are estimates. Dealer positioning, gamma exposure, option greeks, liquidity levels, market climate and expected-price ranges are derived interpretations, not direct knowledge of another trader’s positions or future prices. Assumptions can be wrong. Calendars, consensus figures and published economic results can be rescheduled, revised or misreported. A cross-check, where available, does not certify a figure; a result may be shown or notified before an independent source confirms it. Market Sentiment, market risk, volatility and economic-climate scores are model interpretations, not authoritative market classifications. Historical recorded snapshots and reconstructed estimates have different evidential value; neither is actual account performance. Correlation, capital-flow and order-book views cannot establish causation, future liquidity or another market participant’s intention.
News and external links. Headlines, summaries and articles are third-party content. Display, filtering and mechanical sentiment scoring do not verify the story, read all context, establish publisher reliability or show whether information is already priced in. Content can be stale, mistaken, promotional or about another entity. Linked sites are controlled by their operators. Verify the original publication and date. Do not redistribute protected news or data without the necessary rights.
Sources may restrict access, change interfaces or discontinue service without notice. You must comply with applicable data-provider and exchange terms. The Providers remain responsible for their own obligations; these Terms do not transfer their compliance duties to you.
11. Technical limitations; alerts and notifications
Alerts are best-effort information, not a position-management system. Notifications may be late, duplicated, out of order, suppressed or missed because of sampling intervals, thresholds, stale registration, app state, device settings, network failure, server interruption or Apple’s delivery policies. A condition can occur and reverse between observations. No alert means neither that a condition did not occur nor that your position is safe. Do not use alerts as your sole means of opening, closing, hedging or protecting a position.
Server-connected builds depend on the Providers’ service and Apple’s Push Notification service and do not automatically fall back to local delivery during an interruption. Registration health is shown in notification settings. Standalone builds may use local delivery. A server calculation and a foreground calculation may differ because of timing, source data or settings. Pauses, category preferences and withdrawal requests require successful synchronization; previously queued notifications may still arrive.
Widgets, Live Activities and stored views have independent refresh limits. Home-screen and lock-screen widgets, Live Activities, Dynamic Island, cached charts, saved readings and notification contents can remain visible after they become stale. Operating systems control background execution and system-surface refresh. A live quote update does not refresh a Trade signal unless a new scan supplies one, and a price change does not necessarily mean every associated indicator was recalculated at that instant. Open the Software, review timestamps and data status, and verify with an authoritative source before acting.
12. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PROVIDERS ARE NOT LIABLE FOR TRADING OR INVESTMENT LOSSES, LOST PROFITS, LOST OPPORTUNITIES, LOST OR CORRUPTED DATA, BUSINESS INTERRUPTION, OR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM THE SERVICES, THEIR CONTENT OR UNAVAILABILITY, OR THESE TERMS. THIS APPLIES TO CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY AND OTHER LEGAL THEORIES, EVEN IF SUCH LOSS WAS FORESEEABLE OR A PROVIDER WAS ADVISED OF ITS POSSIBILITY.
Subject to the exceptions below, the Providers’ combined aggregate liability for all claims arising from the Services or these Terms will not exceed the greater of USD 50.00 or the fees you actually paid the Operator for the Services in the twelve months preceding the event giving rise to liability. Multiple claims or claims against multiple Providers do not multiply that cap. This allocation reflects the Services’ informational role and does not insure your trading or investment exposure.
Exceptions and mandatory rights. These exclusions and the cap do not apply to fraud, fraudulent misrepresentation, willful misconduct, gross negligence, death or personal injury caused by negligence, or any liability, statutory remedy or obligation that applicable law prohibits excluding or limiting. They do not reduce a refund or other remedy that mandatory consumer law requires. Where a restriction is unlawful, only that restriction is limited to the lawful extent; lawful protections remain.
13. Indemnification
To the extent permitted by applicable law, you will indemnify the Providers against third-party claims and reasonable resulting losses and legal costs caused by your unlawful use, material breach of these Terms, infringement of third-party rights, unauthorized redistribution, or provision of the Services’ output to others as your own advisory service. This applies only to the extent the claim is attributable to your conduct; it does not apply to the Providers’ own wrongful conduct or shift non-transferable legal obligations to you. It does not require you to pay for bringing a good-faith claim against a Provider or exercising a protected legal right.
The affected Provider must give prompt notice of the claim, allow you a reasonable opportunity to participate in its defense, and reasonably cooperate. Delay reduces your obligation to the extent it materially prejudices you. No settlement may impose an admission, non-monetary obligation or unreimbursed liability on you without your consent, which must not be unreasonably withheld.
14. No affiliation; third-party names and marks
JOStocks is not affiliated with, sponsored by or endorsed by any exchange, broker, market operator, data provider or index provider merely because its name, instrument, content or data appears in the Services. This includes the New York Stock Exchange, Intercontinental Exchange, Nasdaq, B3, Cboe, Yahoo, Webull and TradingView. Names and marks belong to their respective owners and are used for identification. No regulator, exchange or data source is represented as having approved the product or its analysis.
15. Eligibility and compliance with local law
You must be at least eighteen and of legal age to form a binding contract where you live. If acting for an entity, you must have authority to bind it. Use must be lawful where you access the Services. You are responsible for laws and exchange, broker and data-use rules applicable to your own activities, including taxation and lawful redistribution. The Providers remain responsible for obligations applicable to them. The Services are not directed to children or offered where their provision or use would be unlawful.
16. Changes to the Software and to these Terms
Features, sources, interfaces and supported platforms may change as the Software is maintained. Material changes to these Terms will be presented in the Software for affirmative acceptance before further use under the amended version. The Software also requests acceptance for a new build. Publication on the Website alone does not record app acceptance. Amendments operate prospectively and do not retroactively change an accrued claim or an existing arbitration opt-out.
If you do not accept amended Terms, stop using the Software and contact the Operator about your remaining license period and any applicable rights. Changes do not displace a specific written commitment or mandatory right. A material change to data practices will be reflected in the privacy disclosures, with additional notice or consent where law requires it.
17. Ongoing provision, maintenance and updates
The Providers presently intend to maintain and improve JOStocks and investigate reported defects. No particular update cadence, feature, source, supported platform or indefinite availability is guaranteed. TestFlight and other distribution channels have their own build-expiry and access conditions; a current license does not remove those platform limits. Use an available supported build and keep copies of information you need, subject to third-party rights.
Third-party outages, changes in law or platform policy, security incidents and events outside reasonable control may interrupt provision. If the Operator plans to discontinue the Services, it will use reasonable efforts to give advance notice through the app, Website or usual distribution channel and address unfulfilled paid periods as required by the license agreement and applicable law. Nothing here excuses performance or remedies that the Operator has expressly agreed or that law requires.
18. Dispute resolution; individual claims only
IF YOU AFFIRMATIVELY ACCEPT THESE TERMS, THIS SECTION GENERALLY REQUIRES INDIVIDUAL ARBITRATION INSTEAD OF A COURT OR JURY TRIAL, SUBJECT TO ITS EXCEPTIONS AND YOUR RIGHT TO OPT OUT WITHIN THIRTY DAYS. IT DOES NOT WAIVE RIGHTS OR REMEDIES THAT APPLICABLE LAW MAKES NON-WAIVABLE.
Informal resolution. Before starting an ordinary dispute proceeding, either party should send written notice describing the dispute and requested resolution to the other. Notices to the Operator may be emailed to support@jostocks.com. The parties will attempt good-faith resolution for sixty days after receipt. This process does not prevent a small-claims filing, urgent protective relief, reporting to an authority or filing needed to preserve a statutory deadline.
Arbitration agreement. Except for the carve-outs below, disputes between you and the Operator arising from the Services or these Terms will be resolved by one neutral arbitrator, individually, through the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules and applicable Consumer Due Process Protocol. The rules and fee information are available at adr.org. The Federal Arbitration Act governs this agreement to arbitrate. A competent court decides disputes about its formation, validity, enforceability and scope, including the class waiver. This agreement also covers claims against a Provider arising from its role in supplying JOStocks; that Provider may invoke this section, subject to mandatory law and §21, and the Operator remains responsible for the business-side arbitration fees described below. The arbitrator may award the individual relief available in court, subject to lawful limitations in these Terms.
Fees and hearings. Your administrative fee will not exceed the applicable AAA consumer filing fee; the Operator pays the remaining administrative and arbitrator fees as required by the rules. Fee waivers and mandatory cost protections remain available. Each party pays its own counsel unless applicable law or an award provides otherwise. Hearings may be remote or on documents where the rules permit; if an in-person hearing is required or properly requested, it will take place near your residence or at another mutually agreed location. The Operator will comply with AAA clause-review, registration and payment requirements. If AAA cannot administer the dispute, the parties may agree on a comparable administrator. If they cannot agree, or administration is declined because the Operator has not complied with AAA’s requirements, either party may proceed in a competent court under §19.
Carve-outs. Either party may bring an individual claim in a competent small-claims court or seek urgent provisional relief to preserve rights or protect intellectual property pending resolution. Nothing prevents a complaint to a regulator, cooperation with an authority, or pursuit of relief that law does not allow these Terms to subject to arbitration or restrict to an individual proceeding.
INDIVIDUAL PROCEEDINGS. TO THE EXTENT PERMITTED BY LAW, YOU AND THE OPERATOR OR A COVERED PROVIDER MAY BRING CLAIMS AGAINST EACH OTHER ONLY INDIVIDUALLY, NOT AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, COLLECTIVE OR REPRESENTATIVE ACTION. AN ARBITRATOR MAY NOT COMBINE DIFFERENT PEOPLE’S CLAIMS WITHOUT ALL PARTIES’ CONSENT. THIS DOES NOT LIMIT ANY PUBLIC INJUNCTIVE OR OTHER RELIEF THAT CANNOT LAWFULLY BE WAIVED.
30-day opt-out. You may reject the arbitration agreement and individual-action waiver by emailing support@jostocks.com within thirty days after first affirmatively accepting these Terms. Include your name, enough information to identify your license or purchase, and a clear statement that you opt out. Do not send your activation code. Acceptance of this September 30, 2026 revision provides a fresh thirty-day opt-out opportunity for existing users. A previous valid opt-out remains effective. Opting out does not affect access or other Terms, and later updates do not revoke it.
Severability. If the individual-action waiver cannot lawfully apply to a particular claim, that claim proceeds in court; any legally separable claims may remain in arbitration. If the arbitration agreement itself is unenforceable, the dispute proceeds in a competent court. No substitute procedure may deprive you of mandatory protections.
19. Governing law and venue (State of Florida)
Governing law. Except for the Federal Arbitration Act’s application under §18, Florida law governs these Terms, without applying its conflict-of-laws rules or the United Nations Convention on Contracts for the International Sale of Goods, subject to mandatory protections of the law applicable to you.
Court proceedings. Subject to the small-claims and mandatory-rights exceptions, court proceedings will be brought in the state courts in Broward County, Florida, or, where federal subject-matter jurisdiction exists, the United States District Court for the Southern District of Florida. The parties consent to personal jurisdiction there. This does not prevent a small-claims case near your residence or proceedings in a forum that mandatory consumer law entitles you to use.
Non-waivable rights and deadlines. These Terms do not waive mandatory securities, commodities, privacy or consumer rights, including applicable rights under the Florida Deceptive and Unfair Trade Practices Act. The applicable statutory limitation periods govern claims; these Terms do not shorten them. Where a provision conflicts with a mandatory right or remedy, that right or remedy prevails.
JURY TRIAL WAIVER. FOR COURT PROCEEDINGS BETWEEN YOU AND THE OPERATOR OR A PROVIDER COVERED BY §18, EACH PARTY WAIVES A JURY TRIAL ONLY TO THE EXTENT APPLICABLE LAW PERMITS AN ENFORCEABLE, KNOWING AND VOLUNTARY WAIVER. IF YOU VALIDLY OPT OUT UNDER §18, THIS JURY WAIVER ALSO DOES NOT APPLY. IT DOES NOT LIMIT NON-WAIVABLE RIGHTS.
20. General provisions
Entire agreement and priority. These Terms, the stated privacy disclosures and any specific license or payment terms expressly agreed in writing constitute the agreement concerning the Services. A specific written agreement controls its subject matter in the event of conflict. Mandatory law and applicable third-party licenses take precedence where required. Section 21 addresses Apple distribution. Promotional examples, screenshots and support explanations do not promise investment performance or modify these Terms. Nothing here excludes liability for misleading statements or reliance that applicable law protects.
Severability and waiver. Subject to §18’s specific rule, an invalid provision is limited or severed to the minimum necessary, leaving the remaining lawful terms effective. Failure or delay to enforce a provision is not a waiver. An express waiver must be in writing and applies only to its stated scope.
Assignment and survival. You may not transfer your license except as law or applicable platform rules permit. The Operator may transfer the Services and associated obligations in a merger, acquisition or business transfer, subject to applicable law and without reducing your accrued rights. Ownership, restrictions relevant to retained copies, lawful disclaimers and liability limits, indemnification for covered conduct, and dispute provisions survive termination to the extent applicable.
Beneficiaries and contact. Each Provider may invoke the lawful protections expressly granted to it; no unrelated person gains rights under these Terms, except Apple as described in §21. Questions, legal notices and privacy requests may be sent to support@jostocks.com, the Operator’s published contact and designated address for written notices under these Terms.
21. Apple platforms: additional terms
Applicable agreements. For copies obtained through the App Store, Apple’s standard Licensed Application End User License Agreement applies unless a custom agreement is provided through that channel. TestFlight use is also subject to Apple’s applicable beta-testing terms. These Terms supplement the applicable Apple agreements; they do not replace them or override their required license rights. In a conflict, mandatory platform terms govern to the extent required, and these Terms otherwise apply to the relationship with the Operator.
License scope. Use on Apple-branded products you own or control is subject to Apple’s Usage Rules, including Family Sharing or volume-purchase rights where applicable. The restrictions in §3 apply only consistently with those rights and applicable law.
Responsibility. These Terms are between you and the Operator, not Apple. As between Apple and the Operator, the Operator is responsible for the Software and its content, support, applicable product warranties, product and regulatory claims, and investigation, defense and resolution of third-party intellectual-property claims. Apple has no obligation to provide maintenance or support for the Software.
Warranty claims. If an App Store copy fails to conform to an applicable warranty, you may notify Apple and seek a refund of the purchase price paid to Apple as its terms provide. Apple has no further warranty obligation to the maximum extent permitted by law. The Operator remains responsible for obligations that cannot lawfully be disclaimed. The lawful limitations in §§9 and 12 apply consistently with mandatory law and Apple’s applicable agreements.
Compliance and beneficiaries. You must comply with applicable third-party terms and export or sanctions laws and must not use the Software where prohibited by a U.S. embargo or as a person on an applicable U.S. prohibited-party list. Apple and its subsidiaries are third-party beneficiaries entitled to enforce the applicable provisions of these Terms upon your acceptance.