1.1 本公司通过网站 www.stkdata.tech（下称"本网站"）提供美股市场数据的整理、分析及可视化研究报告服务（下称"本服务"）。
1.2 本服务为数据订阅服务。所有报告均基于公开市场数据整理编制，用于向用户呈现市场数据与资金流向等客观信息。
1.3 本服务不提供任何形式的证券买卖推荐、投资建议、交易指导、资产管理或理财顾问服务。本服务所呈现的一切内容均不构成对任何证券的买入、卖出或持有之建议。
2.1 本服务的运营主体为一家拟于香港特别行政区注册成立的公司（下称"本公司"）。公司法定名称、注册地址及商业登记信息将在公司注册完成后于本条款中补充更新。
2.2 在本公司注册完成前，本网站及本服务暂由运营筹备方负责日常维护。用户与本服务之间的一切权利义务关系，于本公司注册完成后自动由本公司承继，本条款效力不受影响。
3.1 用户须年满18周岁并具备完全民事行为能力方可注册本服务。
3.2 用户注册时应提供真实、准确、完整的邮箱地址及密码，并妥善保管账户信息。因用户保管不善导致账户被盗用或信息泄露的，由用户自行承担相应后果。
3.3 同一用户仅可注册一个账户。禁止将账户转让、出借、出售或以其他方式交由第三方使用。
3.4 用户应确保注册邮箱真实有效。本服务的重要通知（含到期提醒、条款变更等）将通过该邮箱发送，用户未及时查收的，不构成本公司未履行通知义务。
4.1 本服务提供免费体验及付费订阅（月付/年付）等不同档位，具体内容、价格与权益以本网站订阅页面届时公布为准。
4.2 订阅费用以本网站届时标示的币种与金额为准，通过本网站支持的支付渠道收取。
4.3 本公司有权根据运营情况调整价格。价格调整不影响已生效订阅周期；续费时按调整后的价格执行。
4.4 免费体验用户可在试用期内体验本服务部分功能，无需绑定支付方式；试用期届满后如未订阅付费计划，本服务自动停止。
4.5 免费试用期届满后，本公司不会自动扣费，亦不会自动将试用账户转为付费计划；如您希望继续使用付费服务，须主动选择付费计划并完成订阅。
5.1 用户订阅付费计划时，可在下列两种续费方式中自行选择其一，并可随时在「个人中心」切换：
（1）自动续费：用户授权本公司在每个计费周期开始时，从用户指定的支付账户自动扣取下一计费周期的订阅费用。自动续费可随时取消，取消后本服务于当前计费周期届满时停止，此后不再扣费；
（2）手动续费：每个计费周期届满前，由用户主动确认并支付下一计费周期的费用。用户未在当期届满前完成续费的，本服务于当期届满后自动停止。
5.2 由自动续费切换为手动续费的，自下一计费周期起生效；由手动续费切换为自动续费的，需用户重新完成支付授权。
6.1 月付用户：订阅后7个自然日内（冷静期）如不满意，可申请全额退款；超过冷静期的，已支付的当期费用不予退还，只需停止续费（自动续费用户取消自动续费；手动续费用户不再续费），本服务于当期届满后停止即可。
6.2 年付用户：订阅后14个自然日内（冷静期）如不满意，可申请全额退款；超过冷静期后申请退订的，按本网站公布的退费规则获得部分退款。详细的退费计算、冷静期申请流程与举例，请参阅《订阅与退费条款》。
6.3 冷静期退款的申请时限，以《订阅与退费条款》载明的规则为准。
7.1 本网站及本服务的全部内容（包括但不限于报告、图表、数据编排、界面设计、文字、商标、标识）之知识产权归本公司或相应权利人所有，受香港特别行政区及国际知识产权法律保护。
7.2 用户仅可将本服务内容用于个人学习与研究参考。未经本公司书面许可，禁止：转售、再分发、公开发布、复制传播本服务生成的报告，或利用本服务内容从事任何商业活动；亦不得通过自动化工具抓取本网站数据。
7.3 本服务报告中可能包含由第三方市场数据服务商提供的数据（下称"第三方数据"）。第三方数据之知识产权归相应权利人所有；用户对本服务的授权使用，不构成对第三方数据任何形式的转授权或再分发许可。
用户承诺在使用本服务过程中遵守适用法律及本条款，不得实施下列行为：
10.1 在适用法律允许的最大范围内，本公司对用户因使用或无法使用本服务而产生的任何间接损失、附带损失、特殊损失、惩罚性损失或后果性损失（包括但不限于利润损失、投资损失、数据丢失）不承担责任。
10.2 本公司对用户承担的全部累计赔偿责任，不超过用户就引发索赔的订阅周期已向本公司实际支付的费用总额。
11.1 本公司有权基于业务调整、技术升级或合规要求，变更、暂停或终止本服务的全部或部分功能，并将在合理可行的情况下提前通知用户。
11.2 用户违反本条款任何约定的，本公司有权暂停或终止其账户及服务，且已付费用不予退还。
11.3 用户可随时停止使用本服务，并按《订阅与退费条款》处理未履行完毕的付费周期。
11.4 赔偿：如因用户违反本条款（包括但不限于转售或再分发报告、擅自抓取数据、侵犯第三方权利）导致本公司或第三方遭受索赔、损失或费用的，用户应赔偿本公司因此遭受的全部损失，并承担本公司为应对该等索赔支出的合理费用（包括合理的律师费）。
13.1 本公司可不时修订本条款。修订后的条款将在本网站公布并自公布之日起生效；对于重大变更，本公司将通过注册邮箱或本网站显著位置通知用户。
13.2 用户在条款更新后继续注册或使用本服务，即视为接受更新后的条款。若用户不同意更新内容，应停止使用本服务并可按退费规则处理未履行完毕的付费周期。
如对本条款或本服务有任何疑问、意见或投诉，欢迎联系我们：
📧 客服邮箱：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