Terms of Service

1. Purpose

These Terms of Service govern the use of all services provided by Stockpolly (the "Service"), and define the rights, obligations, and responsibilities between the company and its members.

2. Definitions

• ·"Service" refers to the portfolio management dashboard and chat-based information service provided by Graphic Research Inc., accessible via web and mobile applications.
• ·"Member" refers to any person who has signed up and entered into a service agreement.
• ·"Content" refers to all information, data, analysis, and materials provided within the Service.
• ·"Credits" refers to the prepaid units used to access features within the Service.

3. Registration & Agreement

• ·Membership is established when the user agrees to these Terms, completes the registration form, and the company accepts the application.
• ·Registration is available via Google account or email sign-up.
• ·The company may refuse or restrict registration in the following cases: false information provided, prior account termination due to policy violation, or other cases inconsistent with company policy.

4. Service Description

• ·The Service is provided via web (stockpolly.com) and mobile applications (iOS and Android).
• ·The Service may be temporarily suspended for system maintenance, security updates, or other operational reasons.
• ·Some features require credits. Credit-related terms are defined in Section 6.

5. Member Obligations

• ·Members must provide accurate information when creating an account and promptly update it if changes occur.
• ·Members are responsible for maintaining the security of their account credentials and may not transfer or share them with third parties.
• ·Use of automated bots, scripts, or other abnormal means to access the Service is prohibited.
• ·Members may not reverse-engineer, scrape, or redistribute any data obtained through the Service.
• ·Members may not resell content or provide derivative services for commercial purposes using the Service.
• ·Members may not use the Service for any unlawful purpose.
• ·The company may restrict access or suspend accounts without prior notice if any of the above obligations are violated or abnormal usage that disrupts normal service operations is detected.

6. Credits & Billing

• ·Some features require credits, which can be purchased within the Service. Details on credit types, quantities, and pricing are provided within the Service.
• ·Credits may only be used for features within the Service and cannot be exchanged for cash or used outside the Service.
• ·Credits are personal to the account holder and may not be transferred, gifted, or sold to other users.
• ·The usage period and refund eligibility period for paid credits (from credit pack purchases) are limited to one (1) year from the date of payment. Unused paid credits will expire after one year.
• ·Free credits (100 per month) reset monthly and are not eligible for refund.
• ·The company reserves the right to modify credit pricing with reasonable notice.
• ·Due to the nature of prepaid products, certain card issuers and payment methods may be restricted.
• ·By making a purchase, you also agree to the terms of the applicable payment processor.

7. Credit Pack Refunds

• ·Credit packs are one-time purchases. Credits are granted immediately upon payment.
• ·Refund requests may be made within one (1) year of purchase.
• ·If no credits have been used, a full refund is issued. If some credits have been used, a proportional refund is calculated based on unused base credits only.
• ·Bonus credits are not included in the refund calculation. Upon refund, all remaining credits (including bonuses) are revoked.
• ·Refunds are processed to the original payment method only.
• ·Credit packs past the refund eligibility period (one year from the date of payment) are not eligible for refund.

8. General Refund Terms

• ·In the event of a billing error such as a duplicate charge, a full refund will be issued.
• ·In-app purchases (via Apple App Store or Google Play Store) are subject to the refund policies of the respective store. Refund requests for in-app purchases must be directed to Apple or Google.
• ·By completing a purchase, you acknowledge that credits are digital content and that your right of withdrawal is limited once credits are used, in accordance with applicable consumer protection laws.

9. Service Changes & Termination

• ·The company may modify all or part of the Service for operational or technical reasons.
• ·In the event of significant changes or termination of the Service, notice will be given at least 30 days in advance via email or in-app notification.
• ·Upon service termination, unused paid credits are eligible for refund. Free credits are not refundable.

10. Intellectual Property

• ·All content, features, and functionality of the Service are owned by Graphic Research Inc. and protected by intellectual property laws.
• ·Content generated by the Service is provided for personal use only and may not be commercially redistributed.

11. Disclaimer & Limitation of Liability

• ·The Service is provided "as is" without warranties of any kind, express or implied.
• ·The company does not provide investment advisory services. The Service is a utility that helps users record their holdings and look up related information. Features that constitute investment advice — including buy/sell recommendations, specific stock recommendations, price predictions, portfolio diagnosis, and rebalancing suggestions — are not offered anywhere in the Service, and any user requests of this nature are refused.
• ·The company is not responsible for any investment losses resulting from use of the Service.
• ·Stock prices, dividends, and financial data are sourced from external data providers, and accuracy or timeliness is not guaranteed.
• ·To the maximum extent permitted by law, the company shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.

12. Account Termination

• ·Members may request account deletion at any time through Settings.
• ·The company may suspend or terminate accounts that violate these terms and will notify the member via email with the reason in advance. In urgent cases (illegal activity, system breach, etc.), notification may be given afterward.
• ·Members may dispute a company-initiated termination by contacting customer support within 14 days of notification.
• ·Upon termination, all associated data will be deleted within 30 days.
• ·Unused credits are forfeited upon account termination. Credit packs with remaining refund eligibility may request a refund before terminating the account.

13. Privacy

The collection, use, storage, and disposal of member personal information is governed by our separate Privacy Policy, which is accessible within the Service.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Korea. Any disputes arising from or in connection with these Terms shall be subject to the exclusive jurisdiction of the Seoul Central District Court.

15. Changes to Terms

The company may update these terms as needed. Significant changes will be communicated via email or in-app notice at least 7 days prior to taking effect. Continued use of the Service after changes constitutes acceptance of the revised terms.