Terms of use

The short version: Ticker Council is a research tool. Its calls can be wrong, you make your own decisions, and you use it at your own risk.

Who you're dealing with

Ticker Council is based in Ontario, Canada. To reach Ticker Council, email ethan@tickercouncil.com or use the Feedback form once you're signed in. By post: 168 Gosling Cres, Ottawa, ON K2W 0K7, Canada.

Not financial advice

• Nothing on Ticker Council is financial, investment, tax or legal advice, or a recommendation to buy, sell or hold anything.
• Every stock gets the same kind of read for everyone. It doesn't know your finances, goals or how much risk suits you.
• The calls come from AI models reading public data. They can be wrong, out of date or based on bad data, and past accuracy doesn't predict future results.
• Decide for yourself, talk to a licensed professional if you need advice, and only invest what you can afford to lose.

Your account

• You must be 18 or over to have an account.
• New accounts may need approval, and accounts can be paused or removed, for example for misuse.
• Keep your password to yourself. You're responsible for what happens under your account.
• One person per account.

Your API keys and costs

On Free, runs use the AI keys you add, and your AI provider bills you for them under its own terms. Ticker Council shows cost estimates, but they're estimates: check your provider's dashboard for what you're actually charged. On Pro and Elite, runs on Ticker Council's AI cost you nothing beyond your plan; runs you choose to make on your own key are billed by your provider as on Free.

Fair use

• Don't try to break, overload or get around the site's limits or sign-in.
• Don't scrape the site or resell its output as your own service.
• Don't copy, decompile or reverse-engineer how the council works (its prompts, weights, scoring or code), or try to get it out of the site.
• Don't use the site or its output to train, fine-tune or test an AI model, or to build a competing service.
• Sharing individual results you've made, with a link back, is fine.

The Community chat

• You must be 18 or over to post.
• Talk about stocks, not people: no insults, harassment or hate. Slurs are blocked.
• No links to other sites, no promotions, paid groups, "DM me" offers or pump-and-dump hype. Don't post anything to move a stock's price, anything you know is false about a company or a person, or anything that isn't yours to share (like private or inside information, or someone else's paid content).
• Nothing anyone posts is financial advice: not the Council's, not the owner's, not other members'. Do your own research.
• Don't impersonate anyone, and pick a username that's not rude.
• What you post stays yours, and you're responsible for it. By posting you let Ticker Council show it to members in the chat, keep it in backups, and remove it.
• Breaking these rules can get messages deleted and you muted or banned from the chat. A chat ban doesn't close your account.

Bonus runs

• Bonus runs (for being here in Beta, for joining, for inviting a friend, for a streak) are a gift on top of your plan. They run on your own AI key, have no cash value, can't be sold or swapped, and some expire on the date shown.
• Invite people you know, one account per person. Bonus runs from fake or duplicate accounts, or from spamming invite links, can be removed.

Paid plans

• Pro and Elite are subscriptions, paid monthly or yearly in US dollars through Stripe. The price, the billing period and any tax are shown at checkout before you pay, and you tick a box to accept these terms. In the EU and the UK, VAT is charged where you live, and the total you pay is shown before you pay.
• They renew automatically at the end of each month or year until you cancel, at your plan's price (a promo code's discount lasts only as long as the code says). You can cancel online at any time in Settings → Your plan → Manage billing; no need to write or call.
• When you cancel, you keep the plan until the end of the period you've paid for, then move to Free. Payments already made aren't refunded, except where the law says otherwise (see the next point). If something went wrong, get in touch (details above).
• If you live in the EU or the UK, you have the right to cancel within 14 days of first subscribing, without giving a reason. Your plan starts right away because you ask for that at checkout, so if you cancel in those 14 days you get your money back less a fair share for the days you've already had the plan. To cancel this way, cancel in Settings → Your plan → Manage billing within the 14 days, or tell us by email (details above) or with the form below; you don't have to use the form. You'll get the refund within 14 days of cancelling, to the card you paid with.
• You'll get a receipt by email for each payment. On a yearly plan you'll also get a reminder by email before it renews, with the price and how to cancel.
• If a payment fails, Stripe tries again for a while. If it still can't be collected, the plan ends and the account moves to Free.
• Founding prices stay the same for as long as that subscription stays active. If you cancel and subscribe again later, the price at that time applies.
• Paid plans run on Ticker Council's AI, within the weekly runs shown on the plans page. Features marked "Coming soon" aren't part of what you're paying for until they arrive. If your plan's runs or features are cut back in a way that matters, you'll be told by email at least 30 days before, and you can cancel before then.
• Prices may change for new subscribers. If the price of your plan changes, you'll be told by email at least 30 days before it applies to you, and you can cancel before then.

Cancelling within 14 days (EU and UK): a form you can use

Where the data comes from

The seats read public market data from outside sources, including SEC EDGAR, the House and Senate trade disclosures, the St. Louis Fed's FRED, the Bank of Canada and market-data providers. Prices can be delayed, and any source can be late, wrong or missing. None of these sources is connected with Ticker Council or endorses it. This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis; FRED data is used under its terms of use.

No guarantees

The site is provided as it is. It may be down, slow, change or stop, and data may be lost. As far as the law allows, Ticker Council isn't liable for any loss, including trading losses, that comes from using it or relying on it.

The law that applies

These terms are governed by the laws of Ontario and of Canada that apply there. That never takes away the consumer rights you have under the law where you live.

Changes

These terms may change as the site grows. If they change in a way that matters, you'll hear about it by email or in the app before it applies. Your data is handled as described on the Privacy page.