Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of the Invescent website, Invescent mobile application, PennySearch application, and related products and services (collectively, the "Services").

By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you should not use the Services.

2. Informational Purpose

The Services provide market information, market-data tools, research features, news, analytics, financial information, screening tools, market signals, and related content.

The Services are intended for informational and educational purposes only.

Nothing provided through the Services constitutes investment, financial, legal, accounting, or tax advice.

3. No Investment Recommendation

Invescent does not recommend that you buy, sell, hold, or trade any particular security or financial instrument.

Information displayed through the Services should not be interpreted as an endorsement, solicitation, personalized recommendation, or guarantee regarding any investment.

You are solely responsible for your investment and trading decisions.

4. Market Data

Market prices, quotes, volume information, company information, news, financial statements, analyst information, insider activity, filings, and other data may be obtained from third-party providers.

Market data may be delayed, incomplete, inaccurate, unavailable, or subject to provider limitations.

We do not guarantee the accuracy, timeliness, completeness, or availability of any market data.

5. AI-Generated and Automated Content

Certain features may use artificial intelligence, automated analysis, algorithms, or rule-based systems to organize, summarize, classify, or analyze financial information.

Automated or AI-generated content may contain errors, omissions, outdated information, or inaccurate interpretations.

You should independently verify information before relying on it for any investment or financial decision.

6. Penny Stocks and Volatile Securities

PennySearch may display lower-priced stocks and other securities that can experience significant price volatility.

Lower-priced securities may involve increased risks, including:

• Significant price volatility
• Limited liquidity
• Large bid-ask spreads
• Limited publicly available information
• Rapid price movements
• Higher risk of substantial or total loss

7. Subscriptions and Purchases

Some features may require a paid subscription or in-app purchase.

Purchases made through the Apple App Store or Google Play are processed by the applicable platform and are subject to that platform's payment, renewal, cancellation, and refund policies.

Subscription pricing and available features may change over time.

Where applicable, subscriptions may automatically renew unless canceled according to the rules of the platform through which the subscription was purchased.

8. User Responsibilities

You agree to use the Services lawfully and responsibly.

You may not:

• Attempt to interfere with the operation of the Services
• Attempt to gain unauthorized access to systems, accounts, or infrastructure
• Use automated systems to overload or improperly scrape the Services
• Circumvent subscription or access restrictions
• Reverse engineer the Services except where permitted by applicable law
• Use the Services for unlawful or fraudulent purposes

9. Intellectual Property

The Services, including their software, design, branding, logos, user interfaces, features, original content, and underlying technology, are owned by or licensed to Invescent and are protected by applicable intellectual-property laws.

These Terms do not grant you ownership rights in the Services.

10. Third-Party Services and Content

The Services may include information, functionality, links, or content provided by third parties.

We are not responsible for the availability, accuracy, policies, security, or practices of third-party services.

11. Service Availability

We may modify, suspend, discontinue, limit, or update any part of the Services at any time.

We do not guarantee that the Services will operate continuously, without interruption, or without errors.

Market-data feeds, APIs, hosting providers, app-store services, and other external systems may also become unavailable.

12. Disclaimer of Warranties

To the fullest extent permitted by law, the Services are provided on an "as is" and "as available" basis.

We make no guarantee that the Services will be accurate, complete, uninterrupted, secure, current, or suitable for any particular investment strategy or purpose.

13. Limitation of Liability

To the fullest extent permitted by applicable law, Invescent and its owners, affiliates, employees, contractors, service providers, and partners will not be liable for investment losses, trading losses, lost profits, lost opportunities, lost data, indirect damages, incidental damages, special damages, consequential damages, or other losses resulting from the use of or inability to use the Services.

You remain solely responsible for evaluating any information before making investment or financial decisions.

14. Changes to These Terms

We may update these Terms periodically.

Continued use of the Services after updated Terms become effective constitutes acceptance of the updated Terms where permitted by applicable law.

15. Termination

We may restrict or terminate access to the Services when reasonably necessary to protect the Services, users, our rights, or comply with applicable law.

16. Applicable Law

These Terms are governed by applicable laws and regulations that apply to Invescent and your use of the Services.

Nothing in these Terms limits rights that cannot legally be waived under applicable consumer law.

17. Contact

Questions regarding these Terms may be sent to:

support@invescent.com