Version 2.4 (Beta)
Effective: September 12, 2026
Last updated: September 24, 2026 (corrected the state of incorporation; no other changes)
These Terms of Service (these "Terms") govern your use of the Catalyst mobile application and web platform (collectively, the "App"), operated by Catalyst Finance, Inc., a Delaware corporation ("Catalyst," "we," "us"). By creating an account, checking the acceptance box, or using the App, you agree to these Terms. If you do not agree, do not use the App.
PLEASE READ THESE NOTICES:
THE APP PROVIDES INFORMATION ONLY. IT DOES NOT PROVIDE INVESTMENT ADVICE, RECOMMENDATIONS, BROKERAGE SERVICES, OR ANY PERSONALIZED FINANCIAL GUIDANCE. CONTENT IN THE APP — INCLUDING INSIGHTS, ARTICLES, DIGESTS, PORTFOLIO BRIEFS, TICKER STATES, PRICE MODELS AND MODELLED TARGETS, RESEARCH NOTES, SIGNALS, THEMES, SENTIMENT OR "MOOD" LABELS, AND CHAT RESPONSES — IS GENERATED BY AUTOMATED SYSTEMS WITHOUT HUMAN REVIEW PRIOR TO DISPLAY AND MAY BE INACCURATE. SEE SECTION 4.
IF YOU CONNECT AN EXTERNAL AI ASSISTANT OR AGENT TO CATALYST, INFORMATION FROM YOUR ACCOUNT — INCLUDING YOUR FINANCIAL ACCOUNT AND PORTFOLIO INFORMATION — MAY BE SENT TO AN ARTIFICIAL-INTELLIGENCE PROVIDER THAT YOU CHOOSE AND THAT CATALYST DOES NOT CONTROL. SEE SECTION 6A BEFORE CONNECTING.
SECTION 13 CONTAINS A BINDING INDIVIDUAL ARBITRATION AGREEMENT AND A CLASS ACTION AND JURY TRIAL WAIVER, WITH A 30-DAY RIGHT TO OPT OUT. IT AFFECTS YOUR LEGAL RIGHTS.
1.1 Eligibility. You must be at least 18 years old and able to form a binding contract to use the App. The App is offered solely to residents of the United States during the beta period. By creating an account, you represent that you meet these requirements, that you are not located in a country subject to a U.S. Government embargo or designated a "terrorist supporting" country, and that you are not on any U.S. Government prohibited or restricted-party list. The App is operated from the United States and your information is processed and stored in the United States; if you access the App from outside the United States, you do so on your own initiative, at your own risk, and you are responsible for compliance with local laws.
1.2 Beta Software. The App is beta software provided "AS IS" and "AS AVAILABLE." It may contain errors or inaccuracies, and features, content, and data (including data you enter) may be modified, suspended, deleted, or discontinued at any time without notice, and access to the App or particular features may be conditioned on installing an update. We make no service-level commitment, and to the maximum extent permitted by applicable law we will have no liability arising from the App's beta status, subject to Section 12. Maintain independent records of any information you enter into the App.
1.3 Fees. The App is currently provided free of charge. We may introduce paid features, subscriptions, or paid programmatic access in the future upon notice, and any fees will apply only if you affirmatively agree to them.
1.4 Beta Confidentiality.
(a) Confidential Information. As a beta participant, you may receive access to non-public information about the App, including: pre-release or unreleased features, functionality, user interfaces, designs, and content; the existence and details of features not yet publicly available; the design, prompts, behavior, outputs, and methodology of the Catalyst AI assistant ("Spark"); any algorithmic signals, scoring, ranking, or trading-related models or methodologies, whether or not surfaced in the App; non-public performance or benchmarking data and non-public information about bugs or defects in unreleased features; and other information that is marked or identified as confidential at or near the time of disclosure, or that is clearly of a confidential or pre-release nature given the circumstances ("Confidential Information"). Confidential Information does not include your own opinions, ratings, or descriptions of your personal experience using publicly visible aspects of the App, or any information you may lawfully include in a consumer review.
(b) Your obligations. Subject to subsections (c) and (d), you will: (i) keep Confidential Information confidential and not disclose it to any third party; (ii) not publish, post, or share screenshots, screen recordings, or descriptions that reveal pre-release or unreleased features, non-public user interfaces, or specific non-public performance or benchmarking data; (iii) use Confidential Information solely to participate in the beta; and (iv) not use Confidential Information or your beta access to build, train, benchmark against, or assist a competing product or service. This section supplements, and does not limit, the use restrictions in Section 3 and the Feedback terms in Section 3.3; if they overlap, the more protective restriction applies.
(c) Exceptions. Your obligations do not apply to information that: (i) is or becomes public through no fault of yours; (ii) you already lawfully knew or independently develop without using Confidential Information; or (iii) you must disclose by law or legal process (with reasonable advance notice to us where legally permitted).
(d) Permitted disclosures; your right to review and to report. Notwithstanding subsection (b), nothing in this section prevents you from: (i) telling others that you are participating in the Catalyst beta and generally describing that Catalyst is an app providing AI-generated market information; (ii) publishing honest reviews, ratings, opinions, or descriptions of your own experience using the App, including its general performance, reliability, and the features available to you — this right controls over any contrary provision of this section; or (iii) reporting suspected violations of law to, or otherwise communicating or cooperating with, any government agency or regulator, or exercising any right that cannot be waived by agreement. This section does not apply to your own personal information or to information about your own financial accounts, and nothing in it waives any right you may have under the Consumer Review Fairness Act (15 U.S.C. § 45b) or any comparable law to comment on the App. Any provision of this section that would be void or unenforceable under those laws is severable, and the remainder continues in effect.
(e) Security reporting. If you discover a security vulnerability, please report it privately to contact@catalystfinance.ai and give us a reasonable opportunity to remediate before any public disclosure. We will not pursue legal action against good-faith security research that respects user privacy, avoids service disruption, does not access or exfiltrate data beyond what is needed to demonstrate the issue, and otherwise complies with these Terms.
(f) Duration; remedies. Your obligations as to each item of Confidential Information continue until the earlier of (i) the date it becomes publicly available through no fault of yours, or (ii) two (2) years after the public release of the App or the end of your beta participation; provided that, for any Confidential Information that is a trade secret under applicable law, your obligations continue for as long as it remains a trade secret. You acknowledge that unauthorized disclosure or use of Confidential Information may cause Catalyst irreparable harm for which monetary damages would be inadequate, and that Catalyst may seek injunctive or other equitable relief (consistent with Section 13.3) in addition to other remedies; the liability cap in Section 12 does not limit your obligations under this section. We may suspend or terminate your beta access at any time, including for any actual or suspected breach of this section.
(g) Platform terms. This section supplements, and does not limit, any confidentiality or beta-testing obligations imposed by the platform through which you access the beta (including Apple's TestFlight and Beta Software terms). Apple is not a party to these Terms.
You may register using an email address and password or through a supported sign-in provider (such as Google or Apple). You agree to provide accurate registration information, to keep your credentials confidential, and to notify us promptly of any unauthorized use of your account. You are responsible for activity under your account. You may delete your account at any time in the App's settings; we may suspend or terminate your account or access to the App at any time, with or without notice, including for any violation of these Terms.
3.1 License. We grant you a personal, non-exclusive, non-transferable, revocable license to access and use the App for your own noncommercial purposes and, where we expressly authorize an External AI Connection under Section 6A, to use that connection in accordance with these Terms.
3.2 Restrictions. You may not: (a) copy, sell, redistribute, sublicense, or commercially exploit the App or its content or data, except as we expressly permit in writing; (b) reverse engineer or create derivative works of the App; (c) use any automated means to access the App or collect its content, including for training or grounding any artificial-intelligence model, except through an External AI Connection or other programmatic access that we expressly authorize under Section 6A and that you use in accordance with these Terms; or (d) use the App to build or assist a competing product or service. The App may install updates automatically, including over-the-air updates, and you consent to such updates.
3.3 Ownership; Feedback. Catalyst and its licensors own all rights in the App and its content. If you submit feedback or suggestions (including through any in-app feedback feature), you grant us a perpetual, irrevocable, royalty-free right to use them without restriction or compensation.
3.4 Your Compliance Obligations. You are solely responsible for determining whether your use of the App and your resulting activity comply with all laws, rules, and obligations applicable to you, and for that compliance. Without limiting the foregoing: (a) you will comply with all applicable securities, commodities, tax, anti-money-laundering, sanctions, privacy, and data-protection laws and with all applicable exchange, market, and self-regulatory-organization rules; (b) you will not use the App or its content in connection with insider trading, the misuse of material non-public information, market manipulation, spoofing, front-running, wash trading, or any other unlawful or manipulative trading practice; (c) you are responsible for determining the tax treatment and reporting of your own transactions, and Catalyst does not provide tax advice or tax reporting; (d) if you are an employee, officer, director, or associated person of a broker-dealer, investment adviser, bank, public company, or other regulated or restricted entity, or are otherwise subject to trading preclearance, blackout, reporting, duplicate-statement, or account-disclosure requirements, you are responsible for obtaining any required approvals and complying with those requirements before linking an account, establishing an External AI Connection, or acting on App content; and (e) you will not use the App in violation of any contractual, fiduciary, employment, or confidentiality obligation you owe to another person.
4.1 No Investment Advice; No Advisory Relationship. Catalyst provides information and analysis for informational purposes only. Catalyst Finance, Inc. is not a registered investment adviser or broker-dealer and is not registered with the SEC, any state securities regulator, or FINRA. Nothing in the App — including AI chat responses, insights, articles, digests, portfolio briefs, ticker states, signals, research notes, ratings, themes, price models, modelled price targets, scenario bands, probability estimates, entry, stop, or target levels, sentiment or "mood" labels (such as bullish or bearish), risk scores, screeners, price alerts, notifications, content delivered through an External AI Connection, or content selected, ordered, or generated based on your preferences, watchlists, or linked accounts — is investment, legal, tax, or accounting advice, a recommendation, an offer or solicitation, or a determination that any security, digital asset, or strategy is suitable for you. Sentiment labels, signals, ratings, ticker states, modelled targets, and similar outputs are automated model outputs generated from public data and model assumptions; however they are labeled, scored, or presented — including where a feature is titled a research note, rating, target, or recommendation — they are produced without human review prior to display, are not the product of a licensed analyst or adviser, are not personalized to you, and are not an instruction, inducement, or recommendation to transact in any security or digital asset. No fiduciary, advisory, agency, brokerage, partnership, joint-venture, or confidential relationship is created between you and Catalyst, and Catalyst has no duty to update information or to monitor your investments. App content is not a substitute for advice from a qualified professional, and you agree not to rely on it as a sole source of truth or as the sole basis for any investment, legal, tax, or other financial decision. You are solely responsible for your investment decisions; evaluate App content for accuracy and appropriateness, and consult a licensed financial professional before acting on anything in the App.
4.2 AI-Generated Content. App content — including chat responses, insights, articles, digests, portfolio briefs, ticker states, signals, research notes, themes, price models, and sentiment labels — is generated by automated systems without human review prior to display and may contain errors, omissions, outdated information, or fabricated information, including specific numbers (such as prices, price targets, ratings, estimates, and statistics) and statements that appear factual, sourced, cited, or authoritative but are not. Modelled price targets, scenario bands, probability or "odds" figures, ratings, and other quantitative outputs are hypothetical, automated estimates derived from public data and model assumptions; they are not forecasts of actual future prices or events and frequently will not be achieved.
App content is also produced using machine-learning models, automated classification, and agentic systems that infer relationships among companies, events, industries, and market conditions; assign categories, themes, scores, and labels; and describe apparent cause-and-effect relationships. Inferred relationships, attributions of causation, thematic groupings, and classifications are automated statistical estimates, not verified findings of fact, and may be incorrect, unsupported, or misleading even where stated in confident or declarative terms. App content is non-deterministic: the same question or ticker may produce different outputs at different times, and no output should be treated as a stable, reproducible, or independently verified conclusion. Catalyst does not independently verify, fact-check, or editorially review App content before it is displayed.
We do not warrant the accuracy, completeness, or timeliness of any content. Do not rely on any App content without independently verifying it against official sources. You are responsible for independently verifying App content before acting on it, and this responsibility is heightened where a decision could result in financial, legal, regulatory, tax, or other material consequences.
4.3 Personalization and Portfolio-Based Content. The App personalizes what you see in two ways. First, your stated preferences, goals, experience, inferred preferences, watchlists, and linked accounts are used to select, filter, and organize content that is published generally to all users. Second, certain features — such as the portfolio brief and portfolio-related chat responses — generate automated, informational summaries that describe your own holdings and account activity using public market information (for example, which of your holdings moved, the publicly reported news that may explain the move, and descriptive characteristics of your account). These summaries are descriptive only: they report what happened, what is publicly scheduled, and how your account is composed. Where a feature responds to questions about your portfolio, its responses are informational and educational analysis of publicly available information as applied to positions you hold — generated without knowledge of your complete financial circumstances — and are not directives to transact. They are not investment advice or recommendations, are not based on any assessment of your financial situation, needs, or objectives, and are not a determination that any security, strategy, or action is suitable for you. The App does not tell you to buy, sell, hold, or take any other action with respect to any investment, and portfolio-based content is not a substitute for personalized advice from a licensed professional.
4.4 Third-Party Content; Conflicts. App content may summarize, cite, or link to third-party sources, including news publishers, analysts, and public filings. We do not endorse and are not responsible for third-party content, and third-party opinions reported in the App may be inaccurate, outdated, or incorrectly attributed. Past performance is not indicative of future results. Catalyst does not receive compensation from any issuer, promoter, underwriter, or dealer in exchange for including, describing, featuring, or characterizing any security or digital asset in App content. Catalyst and its personnel may, however, hold, acquire, or transact in securities or digital assets discussed in the App for their own accounts, including through automated or algorithmic trading systems that Catalyst operates for its own account. The App may display information derived from or associated with Catalyst's own models, signals, or trading activity, including positions Catalyst holds; any such display is informational only, may be delayed or change without notice, is not a solicitation or a recommendation that you make any transaction, and Catalyst may act inconsistently with any content displayed in the App.
4.5 Assumption of Investment Risk. You acknowledge and agree that: (a) investing and trading in securities, digital assets, options, and other financial instruments involve substantial risk, including the risk of losing some or all of your principal, and that with certain instruments losses can exceed the amount invested; (b) markets are volatile and prices can move rapidly and unpredictably; (c) past performance, backtested results, modelled outcomes, scenario bands, and hypothetical figures are not indicative of and do not guarantee future results; (d) every decision to buy, sell, hold, or refrain from transacting is yours alone, made in your independent judgment and on your own investigation; and (e) you assume full responsibility for, and all risk of loss associated with, your investment and trading activity. Catalyst is not responsible for any trading or investment loss, diminution in portfolio value, missed or foregone opportunity, opportunity cost, tax consequence, or other financial harm arising from or relating to your use of, or reliance on, the App or its content — including any loss resulting from content that was inaccurate, incomplete, delayed, unavailable, or not delivered.
4.6 No Guarantee. Catalyst does not guarantee, represent, or warrant that App content is or will be accurate, complete, current, reliable, verified, free from error or omission, suitable for any particular purpose, or sufficient to form the basis of any investment, trading, or other decision, or that the App will be available, uninterrupted, timely, or secure. No statement, description, or characterization of the App — whether in these Terms, in the App, in documentation, or in marketing or promotional materials — creates any warranty or guarantee beyond those expressly stated in these Terms, and no advice or information obtained from Catalyst or through the App creates any warranty not expressly stated here.
4.7 Data Sources. App content is derived from third-party and public sources, including SEC and other regulatory filings, earnings-call transcripts, press releases and newswires, news publishers, analyst estimates and price targets, exchanges and market-data vendors, government and central-bank publications, and other third-party APIs and datasets. Catalyst does not control these sources and does not warrant the accuracy, completeness, timeliness, availability, authenticity, provenance, or continued availability of any data obtained from them. Source data may be revised, restated, delayed, withdrawn, mis-tagged, duplicated, or falsified at the source, and Catalyst may reproduce such errors. Catalyst may add, change, or discontinue any data source at any time, including where a provider terminates or changes access, and is not liable for any resulting change to, degradation of, or loss of App content or functionality.
4.8 Forward-Looking Content. Much of what the App produces is forward-looking: modelled price targets and target dates, scenario bands (such as bear, base, and bull cases), probability or "odds" estimates, expected-move figures, outlooks, projected events and timing, risk scores, and directional or thematic characterizations. Forward-looking content is inherently uncertain. It is generated by automated models from public data and from assumptions that may prove incorrect, and it is subject to known and unknown risks — including changes in company performance, markets, interest rates, regulation, and macroeconomic conditions, and events the models did not and could not anticipate. Actual results will differ from modelled results, often materially, and modelled outcomes frequently will not occur. Catalyst undertakes no obligation to update, revise, correct, or withdraw any forward-looking content, whether as a result of new information, changed assumptions, later events, or otherwise, including where earlier content has become inaccurate.
4.9 Hypothetical, Backtested, and Modelled Results; Track Records. Any performance figures the App displays — including backtested, simulated, hypothetical, or modelled results, historical signal or model outcomes, target-accuracy or hit-rate statistics, and any record of Catalyst's own positions or trading results — are illustrative only and have inherent limitations. In particular: (a) hypothetical and backtested results do not represent actual trading, no money was actually at risk, and they cannot fully account for the effect of financial risk in actual trading; (b) they are prepared with the benefit of hindsight and with knowledge of how markets in fact moved, and models may have been designed, selected, or adjusted with that knowledge; (c) they generally do not reflect commissions, fees, spreads, slippage, borrowing costs, taxes, liquidity constraints, position sizing, or the market impact of orders; (d) they may reflect only selected periods, securities, or conditions, and different selections or assumptions would produce materially different results; (e) they may be affected by survivorship, look-ahead, restatement, or data-quality bias in the underlying sources; and (f) no representation is made that any account will or is likely to achieve profits or losses similar to those shown. Where the App displays positions held or results achieved by Catalyst for its own account, those figures are not a recommendation, are not an audited or composite track record, are not verified by any independent party, reflect Catalyst's own objectives, capital, and constraints rather than yours, and may be delayed, incomplete, or unrepresentative. Past performance — actual, hypothetical, modelled, or simulated — is not indicative of future results.
The App includes an AI chat feature ("Spark") powered by third-party artificial intelligence providers, which process your messages, conversation history, and related context to generate responses. That context may include ticker symbols you select or that appear in your watchlists or linked holdings and content you attach; if you ask portfolio-related questions, it may also include data from your linked or manually entered accounts — such as holdings and quantities, cost basis, position and account values, institution and account names, and transaction history. We do not provide these providers with your name, email address, or account credentials. Your conversations are stored with your account, and chat interactions may be logged and reviewed after the fact — including through automated compliance checks and internal quality review — for quality, safety, and compliance purposes. Copies of your messages and related context processed by our AI providers, including any portfolio data included in them, are retained by those providers under their own policies, and deleting a conversation or your Catalyst account does not delete the copies those providers hold. Do not submit sensitive personal information through chat. Chat responses — including responses to questions about your portfolio — are App content subject to Section 4: they are informational and educational only, are generated by automated systems without knowledge of your complete financial circumstances, may be inaccurate, and are not a substitute for advice from a licensed financial professional. Evaluate and independently verify chat responses before acting on them, and do not use them as the sole basis for any investment decision.
6.1 Account Linking. You may connect brokerage, financial, or crypto-exchange accounts through third-party account aggregation services. You authorize those services, and us, to access, retrieve, and refresh your account and transaction information on your behalf; access is read-only, and your use of those services is subject to their own terms and privacy policies, which are presented when you connect an account. Your financial-institution login credentials are entered only on the aggregation provider's pages — we do not receive or store them.
6.2 Portfolio Data. Holdings, balances, transactions, valuations, and performance figures displayed in the App — whether retrieved through an aggregation provider or entered by you manually — may be delayed, incomplete, or inaccurate, and we do not guarantee them. You are solely responsible for the accuracy of data you enter manually.
6.3 Disconnecting. You may disconnect a linked account at any time in the App's settings, which stops further syncing and deletes the holdings and transactions synced from that account from our systems. Disconnecting in the App may not, by itself, revoke the aggregation provider's own connection or authorization with your financial institution; you can revoke that access directly through the aggregation provider or your financial institution. We may also automatically pause or disconnect a linked account after prolonged inactivity or persistent connection errors, with advance notice where reasonably possible; after an automatic disconnection, we stop syncing and revoke our access, and previously synced holdings and transactions may remain visible in the App until you remove them or delete your account. Deleting your Catalyst account revokes the account connections that are linked in the App at the time of deletion.
6.4 No Brokerage; No Trading; Digital Assets. You cannot buy, sell, or trade any security or digital asset through the App, and the App does not execute, route, facilitate, or recommend transactions. Catalyst is not a broker-dealer, exchange, money transmitter, or custodian and does not hold customer funds, securities, or digital assets. All disclaimers in these Terms regarding securities, market data, and informational content apply equally to digital assets, including cryptocurrency holdings displayed from your linked accounts; the App displays digital-asset information on a read-only basis only and does not custody, hold, store, transmit, exchange, or effect transactions in digital assets or funds.
6A.1 What this covers. We may allow you to connect the App to an artificial-intelligence assistant, agent, client, or other software that you choose or operate — for example through an application programming interface, a Model Context Protocol ("MCP") connection, or a similar integration (each, an "External AI Connection"). An External AI Connection allows software outside the App to request information from Catalyst on your behalf and to present, summarize, or act on that information within that software.
6A.2 Authorization required; your acknowledgment at connection. Automated access to the App is permitted only through an External AI Connection that we expressly authorize, and only in accordance with these Terms and any documentation, scopes, quotas, or limits we specify. Before an External AI Connection is established, you will be asked to review and accept the disclosures in this Section 6A.
By establishing or maintaining an External AI Connection, you confirm that you have read and accept this Section 6A, and you give the acknowledgments and authorizations in Sections 6A.3 through 6A.7 for the entire duration of the connection and for all information requested, delivered, or generated through it. These acknowledgments are given once, at connection, and apply continuously thereafter. Catalyst is not required to repeat any disclaimer, notice, warning, or disclosure in individual responses, tool results, messages, or other output delivered through an External AI Connection, and the absence of any such disclaimer from any output does not change the nature of the content, does not create any warranty, advice, recommendation, or assurance, and does not limit any provision of these Terms. Sections 4 and 12 apply in full to everything delivered through an External AI Connection.
6A.3 Your financial information may be sent to an AI provider you choose. Access to your financial information through an External AI Connection is off unless you enable it, and you authorize it separately for each connection. Once enabled, a connection can request information about your linked or manually entered financial accounts — such as holdings, quantities, cost basis, valuations, and institution labels (together, "Your Financial Information"). The specific fields a connection can and cannot retrieve, and the scope you approve (for example, all of your holdings or only selected accounts), are described in the disclosures presented to you when you authorize the connection, and may change as the feature develops. You acknowledge, agree, and instruct us as follows:
(a) when a request is made through the connection, Catalyst transmits the requested information — which may include Your Financial Information — to the external assistant, agent, or client you have connected, and, through that software, to the artificial-intelligence provider, model operator, hosting provider, and any other service that software relies on (each, an "External AI Provider");
(b) you, not Catalyst, select the software and the External AI Provider. Catalyst does not operate, control, vet, audit, certify, or endorse them, has no contractual relationship with them concerning your information, and cannot impose security, retention, confidentiality, or usage requirements on them;
(c) once information leaves Catalyst, its handling is governed by the terms, privacy policy, and settings of that software and its External AI Provider — not by Catalyst's Privacy Policy — and it may be logged, stored, retained, used to develop, improve, or train that provider's models, reviewed by that provider's personnel or contractors, combined with other information, or disclosed to others, in each case according to that provider's own practices;
(d) Catalyst cannot retrieve, correct, restrict, or delete information after it has been transmitted, and disconnecting the connection, deleting a conversation, or deleting your Catalyst account does not delete copies held by that software or its External AI Provider;
(e) you are responsible for reviewing the terms, privacy policy, retention practices, and available privacy settings of any software and External AI Provider before connecting, and for deciding whether to permit Your Financial Information to be sent to it;
(f) you authorize and instruct Catalyst to make these transmissions at your direction, and you accept responsibility for the consequences of that instruction, including any use, retention, disclosure, or loss of Your Financial Information by the software or External AI Provider you selected; and
(g) you should not establish an External AI Connection, and should not request Your Financial Information through one, unless you accept these conditions.
You may limit what an External AI Connection can request, where we make scope controls available, and you may disconnect at any time under Section 6A.7.
6A.4 Content delivered through a connection. Everything delivered through an External AI Connection is App content and is subject to Section 4 in full, including the disclaimers regarding automated generation, inference, causation, non-determinism, and absence of investment advice. You further acknowledge that the external software may summarize, reformat, translate, combine, restate, or draw conclusions from Catalyst content in its own words, and may present it without Catalyst's disclaimers, attribution, sources, timestamps, freshness indicators, or any indication that market data may be delayed. Output that an external assistant or agent generates from Catalyst content is that software's output, not Catalyst's, and Catalyst is not responsible or liable for it — including where that output states, implies, or is reasonably understood to be advice, a recommendation, a prediction, or a suitability determination. No content delivered through or derived from an External AI Connection is investment advice or a recommendation by Catalyst, regardless of how the external software characterizes or presents it.
6A.5 Your responsibility for the connection. You are responsible for all activity conducted through your credentials, keys, or tokens and for all requests made under them, whether by you, by any assistant, agent, or automated system, or by any other person, and whether or not you reviewed, approved, or were aware of a particular request. You will keep credentials, keys, and tokens confidential and notify us promptly of any suspected compromise. You acknowledge that agents may operate autonomously, at high volume, and without presenting each request or result to you, and that you remain responsible for what they request and for how the results are used.
6A.6 Restrictions. In connection with any External AI Connection, you may not: (a) use Catalyst content or data to train, fine-tune, ground, benchmark, or evaluate any artificial-intelligence or machine-learning model, except as we expressly authorize in writing; (b) redistribute, republish, resell, or otherwise make Catalyst content or data available to any third party, or use it to create a substitute for or competitor to the App; (c) exceed any rate, volume, scope, caching, or retention limit we specify, or circumvent any technical control; (d) request information relating to any person or account other than yourself or an account you are authorized to access; or (e) use the connection in any manner that violates Section 3.4, Section 7.1, or the terms of any data provider.
6A.7 Suspension; revocation; no continuity commitment. We may log, monitor, rate-limit, suspend, revoke, or discontinue any External AI Connection, in whole or in part, at any time and with or without notice, including to protect the App or its users, to comply with a data provider's requirements, or to address suspected misuse. You may disconnect at any time through the App's settings or through the external software. External AI Connections are provided "AS IS" and "AS AVAILABLE," with no availability, latency, throughput, or continuity commitment, and we may change or remove available capabilities at any time.
7.1 Market Data. Market data and related content are supplied by third-party data providers on an "as is" basis, may be real-time or delayed, may be incomplete or inaccurate, and are provided without warranty of any kind. Market data is provided for your personal, noncommercial use only, and you may not redistribute, retransmit, or republish it. Sharing App content through a feature we provide for that purpose is not a violation of this Section, provided you do not extract, isolate, or republish underlying market data as a standalone dataset or feed. Our data providers are intended third-party beneficiaries of this section and disclaim all liability arising from the data. Charting and visualization components in the App may be provided by third parties and are subject to their terms.
7.2 Alerts and Notifications. If you enable them, the App may send push notifications, including price alerts you configure, automated insights and digests, and portfolio, earnings, economic-event, and chat-completion notifications. Notifications and alerts are informational only and are not advice or a recommendation to take any action. Alerts and notifications depend on third-party push, messaging, and network infrastructure and on your device, operating-system, carrier, and notification settings, and may be delayed, misdelivered, duplicated, suppressed, or not delivered at all. Catalyst does not guarantee that any alert or notification will be generated, delivered, delivered on time, or accurate. You must not rely on the App as your sole or primary means of monitoring your investments, your accounts, or market conditions, and you should independently monitor your positions and orders through your broker or other primary source. Catalyst is not liable for any loss arising from a delayed, inaccurate, duplicated, or undelivered alert or notification, from the discontinuation of any alert type, or from your reliance on the absence of an alert as an indication that no event has occurred. You can control notification categories in the App's settings or your device settings.
You retain ownership of content you submit to the App (such as watchlists, collections, notes, profile photos, manually entered positions, and feedback text). You grant Catalyst a non-exclusive, worldwide, royalty-free license to host, store, reproduce, display, and transmit that content as needed to operate, provide, and improve the App. You are solely responsible for content you submit, and you represent that it is lawful and does not infringe any third party's rights. We may remove or disable any content or share link at any time. Report claimed copyright infringement to contact@catalystfinance.ai.
9.1 Privacy Policy. Our Privacy Policy, available at https://catalystfinance.ai/privacy and within the App, describes how we collect, use, share, and retain information. By using the App you consent to: (a) receiving notices and communications from us electronically, including service and account emails, which satisfy any legal requirement that they be in writing; and (b) our transmitting information you provide or link — including financial account data accessed through our third-party account-aggregation providers and the contents of your interactions with our AI features — to third-party service providers (including hosting, data storage, product analytics, crash and error reporting, email delivery, push notification, account-aggregation, and artificial-intelligence providers) for processing as described in the Privacy Policy. If you establish an External AI Connection, you additionally authorize the transmissions described in Section 6A.3 to software and providers that you select and that we do not control. You may opt out of marketing emails at any time via the unsubscribe link; you cannot opt out of transactional communications while your account is active.
9.2 Biometrics. Optional biometric unlock (such as Face ID) is processed entirely on your device by your device's operating system; we never receive or store biometric data — only a pass/fail result. You can disable it at any time in settings.
If you access the App through an Apple platform: these Terms are between you and Catalyst only — not Apple Inc. ("Apple") — and Apple is not responsible for the App or its content. We grant you a non-transferable license to use the App on Apple-branded devices you own or control, as permitted by the App Store Usage Rules. Catalyst, not Apple, is solely responsible for the App, including maintenance and support, any warranties (to the extent not disclaimed), and addressing any claims relating to the App, including product-liability, legal or regulatory, consumer-protection, and third-party intellectual-property claims; if the App fails to conform to an applicable warranty, you may notify Apple for a refund of the purchase price (if any), and Apple has no other warranty obligation. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. Beta builds are pre-release software provided AS IS for evaluation; your use through TestFlight is also subject to Apple's TestFlight terms.
The App depends on, links to, and interoperates with services operated by third parties, including account-aggregation providers, brokerages and financial institutions, market-data and news providers, exchanges and self-regulatory organizations, government and regulatory data sources, artificial-intelligence and model providers, cloud hosting, analytics, email, and push-notification services, and any External AI Connection through which the App is accessed (collectively, "Third-Party Services"). Third-Party Services are not operated or controlled by Catalyst. Catalyst does not endorse, and is not responsible or liable for, any Third-Party Service or any act or omission of its operator, including any outage, interruption, latency, error, defect, inaccurate or incomplete data, discontinuation or withdrawal of access, change in terms or pricing, order handling or trade execution, account opening, maintenance, restriction or closure, margin or corporate-action processing, custody of assets, unauthorized access, data breach, or other security incident. Your relationship with each Third-Party Service is governed by that provider's own terms and privacy policy, and any dispute concerning a Third-Party Service is between you and that provider. Catalyst may add, change, suspend, or discontinue any integration at any time and is not liable for any resulting loss of functionality or data. Integration with a Third-Party Service does not make Catalyst a party to, or responsible for, any transaction, account, or agreement between you and that provider.
11.1 Your Indemnity. To the maximum extent permitted by law, you will defend, indemnify, and hold harmless Catalyst Finance, Inc., its affiliates, and its and their respective founders, officers, directors, employees, contractors, agents, service providers, data providers, and licensors (each, an "Indemnified Party") from and against any third-party claim, demand, action, proceeding, investigation, examination, or subpoena (each, a "Claim"), and all resulting liabilities, judgments, damages, losses, fines, penalties, settlements, costs, and expenses (including reasonable attorneys' fees and costs of defense), arising out of or relating to:
(a) your use or misuse of the App, or any use of the App under your account credentials, keys, or tokens;
(b) your investment, trading, financial, tax, or business decisions, including any transaction you enter into or decline to enter into;
(c) any action you take or fail to take based on App content, including insights, articles, digests, portfolio briefs, ticker states, research notes, ratings, signals, themes, price models or modelled targets, alerts, notifications, chat responses, screeners, or data;
(d) your violation of these Terms;
(e) your violation of any law or regulation — including securities, commodities, tax, anti-money-laundering, sanctions, privacy, or data-protection law — or of any court or regulatory order, exchange or market rule, or contractual or employer-imposed restriction applicable to you;
(f) your violation or infringement of the rights of any third party, including intellectual-property, privacy, publicity, and contractual rights;
(g) any content, data, instruction, or prompt you submit to the App, or that you share, publish, or redistribute from the App; and
(h) your establishment or use of an External AI Connection, including the transmission of Your Financial Information to software or an External AI Provider you selected, any act or omission of such software or provider, and any act or omission of any agent or automated system operating under your credentials or at your direction.
11.2 Exclusions. Your obligations under Section 11.1 do not apply to the extent a Claim arises from an Indemnified Party's own fraud, gross negligence, willful misconduct, or violation of law, and nothing in this Section requires you to indemnify an Indemnified Party for any liability that applicable law does not permit to be indemnified.
11.3 Procedure. Catalyst will notify you promptly of any Claim for which it seeks indemnification; a delay in notice relieves you of your obligations only to the extent you are materially prejudiced by the delay. You will not settle, compromise, or consent to entry of judgment on any Claim in a manner that imposes any liability, monetary obligation, injunctive or other non-monetary obligation, admission of fault or wrongdoing, or unreimbursed cost on any Indemnified Party, or that does not include an unconditional release of the Indemnified Parties, without Catalyst's prior written consent. Catalyst may, at its option and at your expense, assume the exclusive defense and control of any Claim subject to indemnification, in which case you will cooperate reasonably with that defense; if Catalyst does not assume control, it may nonetheless participate in the defense at its own expense with counsel of its choosing. You will provide reasonable cooperation, information, and assistance in connection with any Claim.
11.4 No Indemnity or Defense by Catalyst; Your Own Disputes. Catalyst has no obligation to defend, indemnify, reimburse, or contribute to the defense of you or any other person in connection with any claim, demand, investigation, examination, inquiry, arbitration, or proceeding arising out of your own trading, investing, business, or other activity, your use of the App, or your compliance or non-compliance with any law, regulation, market rule, or contractual restriction — including any proceeding brought by a governmental or self-regulatory authority, a broker-dealer, an employer, or a counterparty. The fact that App content, data, or outputs were used, consulted, referenced, or relied on in connection with such a matter does not create any obligation of Catalyst to you, and you will not seek to recover your own defense costs, attorneys' fees, fines, penalties, disgorgement, or settlement amounts from Catalyst on that basis. This Section does not limit any claim you may have against Catalyst arising from Catalyst's own conduct, which remains subject to Sections 12 and 13, and does not waive any right that cannot be waived under applicable law.
11.5 Relationship to Limitation of Liability. The limitation of liability in Section 12 limits Catalyst's liability to you; it does not limit your obligations under this Section 11.
THE APP AND ALL CONTENT — INCLUDING AI-GENERATED INSIGHTS, ARTICLES, DIGESTS, PORTFOLIO BRIEFS, TICKER STATES, SIGNALS, RESEARCH NOTES, THEMES, PRICE MODELS AND MODELLED TARGETS, SENTIMENT OR "MOOD" LABELS, CHAT RESPONSES, CONTENT DELIVERED THROUGH AN EXTERNAL AI CONNECTION, PRICE ALERTS, PORTFOLIO DATA, AND THIRD-PARTY MARKET DATA — ARE PROVIDED "AS IS" AND "AS AVAILABLE," FOR INFORMATIONAL PURPOSES ONLY, AND MAY BE INACCURATE, INCOMPLETE, DELAYED, OR GENERATED BY AUTOMATED SYSTEMS WITHOUT HUMAN REVIEW PRIOR TO DISPLAY. CATALYST MAKES NO WARRANTIES OR CONDITIONS OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AND ANY WARRANTY ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. CATALYST DOES NOT WARRANT THAT THE APP OR ITS CONTENT WILL BE UNINTERRUPTED, TIMELY, SECURE, COMPLETE, CURRENT, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE APP IS FREE OF HARMFUL COMPONENTS. CATALYST IS NOT A BROKER-DEALER, INVESTMENT ADVISER, OR FIDUCIARY, AND NOTHING IN THE APP IS INVESTMENT, FINANCIAL, LEGAL, OR TAX ADVICE OR A RECOMMENDATION TO BUY, SELL, OR HOLD ANY SECURITY OR OTHER ASSET. YOU ALONE ARE RESPONSIBLE FOR YOUR INVESTMENT DECISIONS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) NEITHER CATALYST NOR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, SERVICE PROVIDERS, DATA PROVIDERS, OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST TRADING OR INVESTMENT GAINS, TRADING OR INVESTMENT LOSSES, LOST OR MISSED OPPORTUNITIES OR OPPORTUNITY COSTS, LOSS OF GOODWILL, LOSS OF DATA, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS, UNDER ANY THEORY OF LIABILITY — WHETHER CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, WARRANTY, STATUTE, OR OTHERWISE — EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE; AND (B) CATALYST'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS WILL NOT EXCEED THE TOTAL AMOUNTS YOU PAID CATALYST FOR THE APP IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY. THE EXISTENCE OF MORE THAN ONE CLAIM DOES NOT ENLARGE THIS LIMIT. IF APPLICABLE LAW REQUIRES THAT A REMEDY REMAIN AVAILABLE NOTWITHSTANDING THIS LIMIT, CATALYST'S LIABILITY IS LIMITED TO THE SMALLEST AMOUNT PERMITTED BY THAT LAW.
TO THE EXTENT PERMITTED BY APPLICABLE LAW, ANY CLAIM ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CLAIM ACCRUES; OTHERWISE IT IS PERMANENTLY BARRED. THE LIMITATIONS IN THIS SECTION LIMIT CATALYST'S LIABILITY TO YOU AND DO NOT LIMIT YOUR OBLIGATIONS UNDER SECTION 11.
THE LIMITATIONS IN THIS SECTION DO NOT APPLY TO LIABILITY ARISING FROM CATALYST'S FRAUD, GROSS NEGLIGENCE, OR WILLFUL MISCONDUCT, OR TO ANY OTHER LIABILITY THAT CANNOT BE LIMITED OR EXCLUDED UNDER APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU; IN THAT CASE, CATALYST'S LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. EACH PROVISION OF THIS SECTION IS SEVERABLE: IF ANY PART IS HELD UNENFORCEABLE, IT WILL BE ENFORCED TO THE MAXIMUM EXTENT PERMITTED AND THE REMAINING PARTS WILL REMAIN IN FULL EFFECT. YOU ACKNOWLEDGE THAT THE DISCLAIMERS AND LIMITATIONS IN THIS SECTION ARE A FUNDAMENTAL BASIS OF THE BARGAIN FOR A SERVICE PROVIDED FREE OF CHARGE OR AT THE FEE YOU HAVE AGREED TO PAY.
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.
13.1 Informal Resolution First. Before starting an arbitration, the party raising a dispute must first send the other a written notice describing the dispute and the relief sought (to Catalyst: contact@catalystfinance.ai; to you: your account email), and both parties will try in good faith to resolve the dispute within 60 days after the notice. Completing this step is a condition precedent to starting arbitration.
13.2 Agreement to Arbitrate. Except as provided in Section 13.3, you and Catalyst agree that any dispute, claim, or controversy arising out of or relating to these Terms or the App will be resolved exclusively by final and binding arbitration before a single arbitrator, on an individual basis, administered by JAMS under its Streamlined Arbitration Rules and Procedures and its Consumer Arbitration Minimum Standards then in effect. The Federal Arbitration Act governs this arbitration agreement. The arbitrator, and not any court, will decide all disputes about the interpretation, applicability, or enforceability of this arbitration agreement, except that only a court may decide the enforceability of the Class Action Waiver in Section 13.4. Arbitration will be conducted in the county where you reside or, at either party's election, by telephone or videoconference. Catalyst will pay all JAMS fees and costs except your share of the initial filing fee, which will not exceed the amount specified in JAMS' Consumer Arbitration Minimum Standards. Judgment on the award may be entered in any court of competent jurisdiction.
13.3 Carve-Outs. Either party may (a) bring an individual claim in small claims court, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction for actual or threatened infringement or misuse of intellectual property or unauthorized access to or abuse of the App.
13.4 Class Action and Jury Trial Waiver. YOU AND CATALYST EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN ANY CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR OTHER REPRESENTATIVE PROCEEDING. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to resolve that party's individual claim. If this Class Action Waiver is held unenforceable as to a particular claim, that claim (and only that claim) must be severed and proceed in court, not in arbitration on a class or representative basis, and the remainder of this Section remains in full force.
13.5 Mass Filings. You and Catalyst agree that JAMS' Mass Arbitration Procedures and Mass Arbitration Procedures Fee Schedule will apply whenever their threshold requirements are met.
13.6 30-Day Right to Opt Out. You may opt out of this arbitration agreement and the Class Action Waiver — without affecting the rest of these Terms — by emailing contact@catalystfinance.ai within 30 days after the date you first accept these Terms or, if a later update materially changes this Section 13, within 30 days after you accept that update, stating your name, account email, and that you opt out of arbitration. Opting out does not affect your ability to use the App.
13.7 Governing Law; Venue. These Terms and any dispute arising out of them are governed by the laws of the State of Florida and applicable U.S. federal law, without regard to conflict-of-laws rules, except that the Federal Arbitration Act governs this arbitration agreement. If a claim proceeds in court (including after a valid opt-out), you and Catalyst consent to the exclusive jurisdiction of the state and federal courts located in Hillsborough County, Florida, subject to any non-waivable right you may have to proceed in the courts of your state of residence.
We may revise these Terms from time to time. If we make material changes, we will notify you through the App or by email, and the updated Terms will state their effective date. Your continued use of the App after the effective date constitutes acceptance; for significant changes we may require you to re-accept. Changes to Section 13 will not apply to any dispute that arose, or for which either party provided notice under Section 13.1, before the change took effect. If you do not agree to updated Terms, stop using the App and delete your account.
If any provision of these Terms is held unenforceable, it will be limited to the minimum extent necessary and the remaining provisions will remain in full force. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may assign them without restriction. Sections 1.2, 1.4, 3.2, 3.3, 3.4, 4 (including 4.8 and 4.9), 5 (final sentence), 6.4, 6A.3 through 6A.6, 7.1, 8 (license), 10A, 11, 12, 13, and 15 survive termination of these Terms or your account. Except for Apple (Section 10), our data providers (Section 7.1), and the Indemnified Parties (Section 11), there are no third-party beneficiaries of these Terms. These Terms are the entire agreement between you and Catalyst regarding the App; our Privacy Policy separately describes our data practices.
Contact. Catalyst Finance, Inc., 501 Knights Run Ave Apt 1302, Tampa, Florida 33602 — contact@catalystfinance.ai.
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