1.1 本公司通過網站 www.stkdata.tech（下稱"本網站"）提供美股市場數據的整理、分析及可視化研究報告服務（下稱"本服務"）。
1.2 本服務爲數據訂閱服務。所有報告均基於公開市場數據整理編制，用於向用戶呈現市場數據與資金流向等客觀信息。
1.3 本服務不提供任何形式的證券買賣推薦、投資建議、交易指導、資產管理或理財顧問服務。本服務所呈現的一切內容均不構成對任何證券的買入、賣出或持有之建議。
2.1 本服務的運營主體爲一家擬於香港特別行政區註冊成立的公司（下稱"本公司"）。公司法定名稱、註冊地址及商業登記信息將在公司註冊完成後於本條款中補充更新。
2.2 在本公司註冊完成前，本網站及本服務暫由運營籌備方負責日常維護。用戶與本服務之間的一切權利義務關係，於本公司註冊完成後自動由本公司承繼，本條款效力不受影響。
3.1 用戶須年滿18週歲並具備完全民事行爲能力方可註冊本服務。
3.2 用戶註冊時應提供真實、準確、完整的郵箱地址及密碼，並妥善保管賬戶信息。因用戶保管不善導致賬戶被盜用或信息泄露的，由用戶自行承擔相應後果。
3.3 同一用戶僅可註冊一個賬戶。禁止將賬戶轉讓、出借、出售或以其他方式交由第三方使用。
3.4 用戶應確保註冊郵箱真實有效。本服務的重要通知（含到期提醒、條款變更等）將通過該郵箱發送，用戶未及時查收的，不構成本公司未履行通知義務。
4.1 本服務提供免費體驗及付費訂閱（月付/年付）等不同檔位，具體內容、價格與權益以本網站訂閱頁面屆時公佈爲準。
4.2 訂閱費用以本網站屆時標示的幣種與金額爲準，通過本網站支持的支付渠道收取。
4.3 本公司有權根據運營情況調整價格。價格調整不影響已生效訂閱週期；續費時按調整後的價格執行。
4.4 免費體驗用戶可在試用期內體驗本服務部分功能，無需綁定支付方式；試用期屆滿後如未訂閱付費計劃，本服務自動停止。
4.5 免費試用期屆滿後，本公司不會自動扣費，亦不會自動將試用賬戶轉爲付費計劃；如您希望繼續使用付費服務，須主動選擇付費計劃並完成訂閱。
5.1 用戶訂閱付費計劃時，可在下列兩種續費方式中自行選擇其一，並可隨時在「個人中心」切換：
（1）自動續費：用戶授權本公司在每個計費週期開始時，從用戶指定的支付賬戶自動扣取下一計費週期的訂閱費用。自動續費可隨時取消，取消後本服務於當前計費週期屆滿時停止，此後不再扣費；
（2）手動續費：每個計費週期屆滿前，由用戶主動確認並支付下一計費週期的費用。用戶未在當期屆滿前完成續費的，本服務於當期屆滿後自動停止。
5.2 由自動續費切換爲手動續費的，自下一計費週期起生效；由手動續費切換爲自動續費的，需用戶重新完成支付授權。
6.1 月付用戶：訂閱後7個自然日內（冷靜期）如不滿意，可申請全額退款；超過冷靜期的，已支付的當期費用不予退還，只需停止續費（自動續費用戶取消自動續費；手動續費用戶不再續費），本服務於當期屆滿後停止即可。
6.2 年付用戶：訂閱後14個自然日內（冷靜期）如不滿意，可申請全額退款；超過冷靜期後申請退訂的，按本網站公佈的退費規則獲得部分退款。詳細的退費計算、冷靜期申請流程與舉例，請參閱《訂閱與退費條款》。
6.3 冷靜期退款的申請時限，以《訂閱與退費條款》載明的規則爲準。
7.1 本網站及本服務的全部內容（包括但不限於報告、圖表、數據編排、界面設計、文字、商標、標識）之知識產權歸本公司或相應權利人所有，受香港特別行政區及國際知識產權法律保護。
7.2 用戶僅可將本服務內容用於個人學習與研究參考。未經本公司書面許可，禁止：轉售、再分發、公開發布、複製傳播本服務生成的報告，或利用本服務內容從事任何商業活動；亦不得通過自動化工具抓取本網站數據。
7.3 本服務報告中可能包含由第三方市場數據服務商提供的數據（下稱"第三方數據"）。第三方數據之知識產權歸相應權利人所有；用戶對本服務的授權使用，不構成對第三方數據任何形式的轉授權或再分發許可。
用戶承諾在使用本服務過程中遵守適用法律及本條款，不得實施下列行爲：
10.1 在適用法律允許的最大範圍內，本公司對用戶因使用或無法使用本服務而產生的任何間接損失、附帶損失、特殊損失、懲罰性損失或後果性損失（包括但不限於利潤損失、投資損失、數據丟失）不承擔責任。
10.2 本公司對用戶承擔的全部累計賠償責任，不超過用戶就引發索賠的訂閱週期已向本公司實際支付的費用總額。
11.1 本公司有權基於業務調整、技術升級或合規要求，變更、暫停或終止本服務的全部或部分功能，並將在合理可行的情況下提前通知用戶。
11.2 用戶違反本條款任何約定的，本公司有權暫停或終止其賬戶及服務，且已付費用不予退還。
11.3 用戶可隨時停止使用本服務，並按《訂閱與退費條款》處理未履行完畢的付費週期。
11.4 賠償：如因用戶違反本條款（包括但不限於轉售或再分發報告、擅自抓取數據、侵犯第三方權利）導致本公司或第三方遭受索賠、損失或費用的，用戶應賠償本公司因此遭受的全部損失，並承擔本公司爲應對該等索賠支出的合理費用（包括合理的律師費）。
13.1 本公司可不時修訂本條款。修訂後的條款將在本網站公佈並自公佈之日起生效；對於重大變更，本公司將通過註冊郵箱或本網站顯著位置通知用戶。
13.2 用戶在條款更新後繼續註冊或使用本服務，即視爲接受更新後的條款。若用戶不同意更新內容，應停止使用本服務並可按退費規則處理未履行完畢的付費週期。
如對本條款或本服務有任何疑問、意見或投訴，歡迎聯繫我們：
📧 客服郵箱：service1@stkdata.tech
1.1 We provide a research-report service on U.S. stock market data — including data compilation, analysis, and visualisation — through the website www.stkdata.tech (the "Website") (the "Service").
1.2 The Service is a data subscription service. All reports are compiled from publicly available market data and are intended to present objective information such as market data and capital flows.
1.3 The Service does NOT provide any form of securities recommendation, investment advice, trading guidance, asset management, or financial advisory services. Nothing presented by the Service constitutes a recommendation to buy, sell, or hold any security.
2.1 The Service is operated by a company to be incorporated in the Hong Kong Special Administrative Region (the "Company"). The legal name, registered address, and business registration details of the Company will be supplemented to these Terms after incorporation.
2.2 Until the incorporation of the Company is completed, the Website and the Service are maintained by the operation preparation party. Upon incorporation, the Company shall automatically assume all rights and obligations between users and the Service, and these Terms shall remain in full force.
3.1 You must be at least 18 years old and have full legal capacity to register for the Service.
3.2 You must provide a true, accurate, and complete email address and password when registering, and keep your account credentials secure. You shall be solely responsible for any consequences arising from unauthorised use or disclosure caused by your failure to safeguard your account.
3.3 Each user may register only one account. Transferring, lending, selling, or otherwise making your account available to any third party is prohibited.
3.4 You must ensure that your registered email address is valid and active. Important notices (including expiry reminders and changes to terms) will be sent to that email address; failure to check such notices in a timely manner shall not constitute a failure by the Company to fulfil its notification obligations.
4.1 The Service offers a free trial and paid subscriptions (monthly/yearly) at different tiers. The specific content, prices, and benefits are subject to the subscription page of the Website as published from time to time.
4.2 Subscription fees are charged in the currency and amount indicated on the Website at the time, through payment channels supported by the Website.
4.3 The Company may adjust prices from time to time. Price adjustments do not affect an already-effective subscription period; renewals are charged at the adjusted price.
4.4 Free trial users may experience part of the Service during the trial period without binding a payment method. If you do not subscribe to a paid plan after the trial period ends, the Service will automatically cease.
4.5 After the free trial period ends, we will not automatically charge you or automatically convert your trial account to a paid plan; if you wish to continue using the paid Service, you must actively select a paid plan and complete the subscription.
5.1 When subscribing to a paid plan, you may choose one of the following renewal methods, and may switch at any time in your "Account Centre":
(1) Auto-renewal: You authorise the Company to automatically charge the subscription fee for the next billing period from your designated payment account at the start of each billing period. Auto-renewal may be cancelled at any time; after cancellation, the Service will stop at the end of the current billing period and no further fees will be charged;
(2) Manual renewal: Before the end of each billing period, you actively confirm and pay the subscription fee for the next billing period. If you do not complete renewal before the end of the current period, the Service will automatically cease after the current period ends.
5.2 Switching from auto-renewal to manual renewal takes effect from the next billing period; switching from manual renewal to auto-renewal requires you to complete payment authorisation again.
6.1 Monthly subscribers: If you are not satisfied, you may request a full refund within 7 calendar days of subscribing (the "cooling-off period"); after the cooling-off period, fees paid for the current period are non-refundable — simply stop renewing (cancel auto-renewal, or do not renew manually) and the Service will stop at the end of the current period.
6.2 Yearly subscribers: If you are not satisfied, you may request a full refund within 14 calendar days of subscribing (the "cooling-off period"); if you request early termination after the cooling-off period, you may receive a partial refund in accordance with the refund rules published on the Website. Please refer to the Subscription & Refund Policy for the detailed refund formula, cooling-off application process, and examples.
6.3 The deadline for applying for a cooling-off refund shall be governed by the rules set out in the Subscription & Refund Policy.
7.1 All content on the Website and in the Service (including but not limited to reports, charts, data compilations, interface design, text, trademarks, and logos) is owned by the Company or its respective rights holders and is protected by the laws of the Hong Kong Special Administrative Region and international intellectual property law.
7.2 You may use the content of the Service only for personal study and research. Without the Company's prior written consent, you are prohibited from reselling, redistributing, publicly publishing, reproducing, or disseminating the reports generated by the Service, or using the content of the Service for any commercial activity; you are also prohibited from scraping data from the Website through automated tools.
7.3 The reports of the Service may contain data provided by third-party market data providers ("Third-Party Data"). The intellectual property rights in Third-Party Data belong to their respective right holders; the licence granted to you under these Terms does not constitute any sub-licence or redistribution right in Third-Party Data.
You agree to comply with applicable laws and these Terms when using the Service, and shall not:
10.1 To the maximum extent permitted by applicable law, the Company shall not be liable for any indirect, incidental, special, punitive, or consequential losses (including but not limited to loss of profits, investment losses, and data loss) arising from your use of or inability to use the Service.
10.2 The aggregate liability of the Company to you shall not exceed the total fees you have actually paid to the Company for the subscription period giving rise to the claim.
11.1 The Company may, based on business adjustments, technical upgrades, or compliance requirements, change, suspend, or terminate all or part of the Service, and will notify users in advance where reasonably practicable.
11.2 If you breach any provision of these Terms, the Company may suspend or terminate your account and the Service, and paid fees shall not be refunded.
11.3 You may stop using the Service at any time and settle any unexpired paid periods in accordance with the Subscription & Refund Policy.
11.4 Indemnification: If your breach of these Terms (including, without limitation, reselling or redistributing reports, unauthorised scraping of data, or infringing third-party rights) gives rise to any claim, loss, or expense against the Company or a third party, you shall indemnify the Company for all losses incurred thereby and reimburse the Company for reasonable expenses (including reasonable legal fees) incurred in responding to such claims.
13.1 The Company may revise these Terms from time to time. Revised Terms will be published on the Website and take effect from the date of publication; for material changes, the Company will notify users via their registered email or a prominent notice on the Website.
13.2 By continuing to register or use the Service after the Terms are updated, you are deemed to accept the updated Terms. If you do not agree with the updates, you should stop using the Service and may settle any unexpired paid periods in accordance with the refund rules.
If you have any questions, comments, or complaints regarding these Terms or the Service, please contact us:
📧 Customer Service Email: service1@stkdata.tech