Legal
Terms of Use
Last updated June 23, 2026
These Terms of Use (the “Terms”) are a binding legal agreement between you (“you” or “User”) and MoatMint Technologies LLC, a Wyoming limited liability company (“MoatMint”, “we”, “us”, or “our”), governing your access to and use of the MoatMint websites, applications, mobile apps, data, tools, and related services (collectively, the “Service”). By accessing or using the Service, creating an account, or clicking to accept these Terms, you agree to be bound by these Terms and by our Privacy Policy and Investment & Information Disclaimer, each incorporated by reference. If you use the Service on behalf of a company or other entity, you represent that you have authority to bind it to these Terms, and “you” includes that entity. If you do not agree, do not access or use the Service.
1. Eligibility
The Service is intended only for residents of the United States who are at least eighteen (18) years old and able to form a legally binding contract. By using the Service, you represent and warrant that you meet these requirements, that all information you provide is accurate, and that your use complies with all applicable laws. The Service is not directed to children, and we do not knowingly collect information from anyone under 18. We may refuse, suspend, or terminate access to anyone, at any time, in our sole discretion.
2. The Service Is Not Investment Advice
MoatMint provides information, research tools, data, and educational content for general informational purposes only. Nothing on or available through the Service is, or should be construed as, investment, financial, legal, tax, accounting, or other professional advice, or a recommendation, offer, or solicitation to buy, sell, or hold any security or to adopt any investment strategy.
MoatMint is not a registered investment adviser, broker-dealer, financial planner, or tax advisor, and does not provide personalized advice or manage any account. No fiduciary or advisory relationship is created by your use of the Service. Data and figures may be inaccurate, incomplete, delayed, or out of date, and may be sourced from third parties we do not control. Past performance does not guarantee future results, and all investing involves the risk of loss, including loss of principal.
You are solely responsible for evaluating the merits and risks of any decision and for your own investment decisions. You should consult a licensed financial, legal, or tax professional before acting. See our Investment & Information Disclaimer for further detail, which forms part of these Terms.
3. The Service
The Service lets you research public companies, view fundamentals and financial data, build watchlists, screen and compare companies, and access related tools and content. We may add, change, suspend, or remove features at any time without notice. We do not guarantee that the Service, or any data or feature, will be available, uninterrupted, accurate, complete, or error-free.
Availability. We do not guarantee that the Service will be available at any particular time and may take it down for maintenance, updates, or for any other reason without notice. We are not liable for any unavailability, downtime, delay, or loss of data, and you are responsible for keeping your own backup of anything important to you. Downtime or feature changes are not grounds for a refund or credit.
4. Accounts and Security
Some features require an account. You agree to provide accurate information, to keep it current, and to keep your credentials confidential. You are responsible for all activity under your account. Notify us promptly at legal@moatmint.com of any unauthorized use. We are not liable for any loss arising from unauthorized use of your account. You may not maintain more than one account, and you may not sell, transfer, or let anyone else use your account.
5. Subscriptions, Fees, and Billing
Portions of the Service may be offered for a fee or on a subscription basis. Free trials, if offered, are for new subscribers only (one per person), and we may modify or end them at any time. Prices, features, and billing terms will be disclosed at the point of purchase and may change prospectively. Unless required by applicable law or expressly stated otherwise at purchase, all fees are non-refundable, and recurring subscriptions renew automatically until cancelled through your account settings. You authorize us and our payment processors to charge your selected payment method for all applicable fees and taxes. Failure to pay may result in suspension or termination of access.
6. Acceptable Use
You agree not to, and not to permit anyone else to:
- use the Service for any unlawful, infringing, fraudulent, or harmful purpose, or in violation of any securities, market-data, or other applicable law or regulation;
- scrape, crawl, harvest, mirror, frame, resell, redistribute, or create derivative products from the Service, its data, or its content, or use it to build or train any competing or machine-learning product;
- access the Service through automated means except as we expressly permit, or exceed any rate limits, or circumvent any access, usage, or security controls;
- reverse engineer, decompile, or attempt to derive source code, or interfere with, overburden, or disrupt the Service or its infrastructure;
- upload malicious code, infringe any intellectual property or privacy right, impersonate others, or misuse another user’s account; or
- remove, obscure, or alter any proprietary notices.
7. Intellectual Property; License to You
The Service and all software, design, text, data compilations, analytics, trademarks, and other content (excluding User Content and third-party data) are owned by MoatMint or its licensors (including third-party financial-data providers) and are protected by intellectual-property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal, non-commercial purposes. We reserve all rights not expressly granted. “MoatMint” and our logos are our trademarks and may not be used without our prior written consent.
8. User Content and Feedback
“User Content” means anything you submit or create through the Service, such as watchlists, notes, screens, and settings. You retain ownership of your User Content and grant us a worldwide, royalty-free, non-exclusive license to host, store, reproduce, and use it solely to operate, provide, secure, and improve the Service. You represent that you have the rights to your User Content and that it does not violate these Terms or any law. We may remove User Content or aggregate and de-identify usage data for any lawful purpose. We are not responsible for any loss of User Content, and you are responsible for keeping your own backups.
If you send us suggestions, ideas, or feedback, you agree we may use them for any purpose without restriction, attribution, or compensation, and that they are not confidential.
9. Third-Party Data, Content, and Links
The Service includes financial and market data, content, and links provided by third parties. We do not create, endorse, verify, or guarantee third-party data or content and are not responsible for it. Third-party data may be subject to the providers’ own terms and may be delayed or inaccurate. Your dealings with any third party are solely between you and that third party.
10. Disclaimer of Warranties
THE SERVICE, INCLUDING ALL DATA, CONTENT, TOOLS, AND FEATURES, IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, MOATMINT AND ITS SUPPLIERS, LICENSORS, OFFICERS, MEMBERS, EMPLOYEES, AND AGENTS (THE “MOATMINT PARTIES”) DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
THE MOATMINT PARTIES MAKE NO WARRANTY THAT THE SERVICE OR ANY DATA WILL BE ACCURATE, RELIABLE, COMPLETE, CURRENT, TIMELY, SECURE, UNINTERRUPTED, OR ERROR-FREE, OR THAT IT WILL MEET YOUR REQUIREMENTS OR PRODUCE ANY PARTICULAR RESULT. YOU USE THE SERVICE AND RELY ON ANY DATA OR CONTENT ENTIRELY AT YOUR OWN RISK. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY EXCLUSIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
11. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE MOATMINT PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST INVESTMENTS OR TRADING LOSSES, LOSS OF DATA, BUSINESS INTERRUPTION, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, AND WHETHER OR NOT THE MOATMINT PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT WILL THE MOATMINT PARTIES’ TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID TO MOATMINT FOR THE SERVICE IN THE SIX (6) MONTHS IMMEDIATELY BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).
THESE LIMITATIONS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE AND ARE A FUNDAMENTAL BASIS OF THE BARGAIN BETWEEN YOU AND MOATMINT. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU; IN THAT CASE OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
12. Assumption of Risk
You acknowledge that investing in securities involves substantial risk, including the possible loss of your entire investment, and that markets are volatile and unpredictable. You assume full responsibility for, and all risks of, any decision you make in connection with the Service. You acknowledge that you are not relying on the Service, or any data or content in it, as a basis for any investment or other decision, and that every decision you make is based on your own independent judgment and research. You agree that the MoatMint Parties are not responsible for any investment or financial loss you may incur, and, to the fullest extent permitted by law, you release the MoatMint Parties from any claim arising out of your reliance on any information or content obtained through the Service.
13. Indemnification
You agree to indemnify, defend, and hold harmless the MoatMint Parties from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms or any law or third-party right; or (d) any investment or other decision you make. We may assume the exclusive defense of any matter subject to indemnification, and you agree to cooperate.
14. Binding Arbitration and Class-Action Waiver
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.
You and MoatMint agree that any dispute, claim, or controversy arising out of or relating to the Service or these Terms will be resolved exclusively by final and binding individual arbitration, rather than in court, except that either party may bring an individual claim in small-claims court or seek injunctive relief for intellectual-property infringement. This agreement to arbitrate is governed by the Federal Arbitration Act.
The arbitration will be administered by the American Arbitration Association (AAA) under its applicable Consumer Arbitration Rules, before a single arbitrator, seated in Laramie County, Wyoming or, at your election, by telephone, videoconference, or document submission. You and MoatMint waive any right to a jury trial.
CLASS-ACTION WAIVER: All disputes will be brought solely in an individual capacity, and not as a plaintiff or class member in any purported class, consolidated, representative, or private-attorney-general proceeding. The arbitrator may not consolidate more than one person’s claims and may not preside over any representative or class proceeding. If this class-action waiver is found unenforceable as to a particular claim, that claim (and only that claim) will be severed and may proceed in court.
30-Day Opt-Out. You may opt out of this arbitration agreement by emailing legal@moatmint.com with your name and account email and the statement “I opt out of arbitration” within thirty (30) days of first accepting these Terms. Opting out will not affect any other part of these Terms.
15. Governing Law and Venue
These Terms and any dispute are governed by the laws of the State of Wyoming, without regard to its conflict-of-laws rules, and by applicable U.S. federal law. To the extent any dispute is not subject to arbitration, you and MoatMint agree to the exclusive jurisdiction and venue of the state and federal courts located in Laramie County, Wyoming, and you waive any objection to venue or inconvenient forum. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
16. Time Limit on Claims
Any claim arising out of or relating to the Service or these Terms must be filed within one (1) year after the claim arose; otherwise, the claim is permanently barred, to the maximum extent permitted by law.
17. Termination
You may stop using the Service at any time. We may suspend or terminate your access at any time, with or without cause or notice, including for any violation of these Terms. Upon termination, your license ends and you must stop using the Service. Sections that by their nature should survive termination — including Sections 2 and 7 through 16 and 18 — will survive.
18. Changes to the Terms and the Service
We may modify these Terms at any time by posting the updated Terms and revising the “Last updated” date. Material changes take effect when posted, and your continued use of the Service after they take effect constitutes acceptance. If you do not agree, you must stop using the Service. We may also change, suspend, or discontinue all or part of the Service at any time.
19. Electronic Communications and Consent
You consent to receive communications from us electronically, and you agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that they be in writing.
20. Copyright (DMCA)
If you believe content on the Service infringes your copyright, send a notice with the information required by the Digital Millennium Copyright Act to legal@moatmint.com. We may remove allegedly infringing material and terminate repeat infringers.
21. Miscellaneous
These Terms, together with the Privacy Policy and Investment & Information Disclaimer, are the entire agreement between you and MoatMint regarding the Service and supersede any prior agreements. If any provision is held unenforceable, it will be limited or severed so that the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our consent; we may assign them freely. There are no third-party beneficiaries (other than the MoatMint Parties). You and MoatMint are independent contractors, and these Terms create no partnership, joint venture, agency, or employment relationship. Force majeure: we are not liable for any delay or failure caused by events beyond our reasonable control. Headings are for convenience only.
22. Contact
Questions about these Terms? Contact us at legal@moatmint.com.