Terms of Service - Smart Stock Analysis

1. Acceptance of Terms

By accessing and using Smart Stock Analysis ("Service", "Platform", "We", "Us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Service Description

2.1 Platform Services

Smart Stock Analysis provides educational and informational services including:
• Stock market data analysis and research tools
• Real-time market information and trends
• Educational content about financial markets
• Communication services via WhatsApp, LINE, Band, KakaoTalk, and other messaging platforms

2.2 Third-Party Messaging Services

We utilize various messaging platforms to provide personalized analysis:
• WhatsApp Business API: For instant analysis delivery and customer support
• LINE Official Account: Serving users in Japan, Korea, and Southeast Asia
• KakaoTalk Channel: Dedicated service for Korean users
• Band Groups: Community-based discussions and analysis sharing

3. Investment Disclaimer

IMPORTANT: All information provided is for educational purposes only and should not be considered as financial advice, investment recommendations, or solicitation to buy or sell securities.

• Past performance does not guarantee future results
• All investments carry risk of loss
• You should consult with qualified financial advisors before making investment decisions
• We are not registered investment advisors or brokers

4. Data Collection and Usage

4.1 Information We Collect

• Contact Information: Phone numbers, messaging app IDs for service delivery
• Usage Data: Search queries, analysis requests, platform interactions
• Technical Data: IP addresses, device information, browser data
• Communication Records: Messages sent via WhatsApp, LINE, KakaoTalk, Band

4.2 Data Processing Legal Basis

Under GDPR, CCPA, and other privacy laws, we process data based on:
• Consent: Explicit consent for marketing communications
• Contract Performance: Providing requested analysis services
• Legitimate Interest: Service improvement and fraud prevention

5. Messaging Platform Data Protection

5.1 WhatsApp Communications

• Messages are end-to-end encrypted by WhatsApp
• We store conversation metadata for service quality
• Business data is processed according to WhatsApp Business Policy
• Users can opt-out by blocking our business account

5.2 LINE, KakaoTalk, Band Services

• Communications subject to respective platform privacy policies
• We comply with local data protection laws (Japan APPI, Korea PIPA)
• User data processed only for service delivery and support
• Cross-border data transfers secured with appropriate safeguards

6. User Rights and Responsibilities

6.1 Your Rights

• Access: Request copies of your personal data
• Rectification: Correct inaccurate information
• Erasure: Request deletion of your data ("Right to be Forgotten")
• Portability: Receive your data in machine-readable format
• Objection: Opt-out of data processing for marketing

6.2 User Responsibilities

• Provide accurate information when requested
• Use services in compliance with applicable laws
• Respect intellectual property rights
• Not share account access with unauthorized parties

7. Cookie Policy

We use cookies and similar technologies for:
• Essential Cookies: Platform functionality and security
• Analytics Cookies: Understanding user behavior (Google Analytics)
• Marketing Cookies: Personalized advertising (with consent)
• Social Media Cookies: Integration with messaging platforms

You can manage cookie preferences through your browser settings.

8. International Data Transfers

Your data may be transferred to and processed in countries outside your residence, including:
• United States (adequate protection under Privacy Shield successor)
• Singapore (GDPR adequacy decision)
• Japan (GDPR adequacy decision)

All transfers are protected by appropriate safeguards including Standard Contractual Clauses.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:
• We provide services "as is" without warranties
• We are not liable for investment losses based on our information
• Our liability is limited to the amount paid for services
• We are not responsible for third-party platform outages or data breaches

10. Contact Information

Smart Stock Analysis LLC

Address: 2100 Geng Road, Suite 210, Palo Alto, CA 94303, USA
Email: [email protected]
Data Protection Officer: [email protected]
EU Representative: GDPR-Rep.eu, Avenue Huart Hamoir 71, 1030 Brussels, Belgium
Business Hours: Monday - Friday, 9:00 AM - 6:00 PM PST
Emergency Contact: +1 (650) 555-0123