Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and Perspectec Inc. ("Perspectec," "we," "us," or "our"), a corporation incorporated under the laws of Canada, regarding your use of the Perspectec platform and services.

By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you may not use our services.

2. Description of Services

Perspectec provides AI-powered equity research and financial analysis services, leveraging generative artificial intelligence and human expertise. Our services include:

• Multi-modal AI agents for financial analysis (text, voice, video)
• PDF document processing and classification
• Financial model generation from documents
• Real-time data analysis and reporting
• Credit-based usage system
• Research document library and tools

Our platform is designed for institutional buy-side investors, sell-side analysts, and financial professionals.

3. User Accounts and Registration

Account Creation

• You must be at least 18 years old to create an account
• You must provide accurate and complete information during registration
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account

Account Security

• You must notify us immediately of any unauthorized use of your account
• We reserve the right to suspend or terminate accounts that appear to be compromised
• You must not share your account with others or allow others to access your account

4. Credit System and Payments

Credit-Based Usage

• Our services operate on a credit-based system at $0.01 per credit
• New users receive 2 free credits upon registration
• SMS verification provides an additional 5 credits
• Credits are consumed based on service usage (e.g., PDF processing, AI interactions)
• Credit consumption is tracked in real-time and displayed in your account

Payment Terms

• Credit purchases are processed through Stripe, our payment processor
• All payments must be made in advance of service usage
• Prices are in Canadian dollars (CAD) unless otherwise specified
• We reserve the right to change pricing with 30 days' notice

No Refunds Policy

IMPORTANT: All credit purchases are final and non-refundable. Credits do not expire, but may not be transferred or exchanged for cash. We do not provide refunds for unused credits under any circumstances.

5. Acceptable Use Policy

Permitted Uses

You may use our services for legitimate financial research and analysis purposes in compliance with applicable laws and regulations.

Prohibited Uses

You agree not to:

• Use our services for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems or other users' accounts
• Upload malicious software, viruses, or harmful content
• Interfere with or disrupt the integrity or performance of our services
• Attempt to reverse engineer, decompile, or extract source code
• Use automated systems to access our services without permission
• Share, resell, or redistribute our services without authorization
• Use our services to create competing products or services
• Upload confidential information belonging to third parties without authorization
• Engage in market manipulation or insider trading based on our analysis

6. Intellectual Property Rights

Our Intellectual Property

• Perspectec owns all rights to the platform, software, algorithms, and proprietary content
• The Perspectec name, logo, and branding are our trademarks
• All AI models, analysis frameworks, and methodologies are our proprietary technology

Your Content

• You retain ownership of documents and data you upload to our platform
• You grant us a license to process your content to provide our services
• You represent that you have the right to upload and process your content
• We may retain anonymized, aggregated data for service improvement

7. Disclaimers and Limitations

Investment Disclaimer

Service Availability

• We strive for 99.5% uptime but do not guarantee uninterrupted service
• We may temporarily suspend services for maintenance or updates
• We are not liable for service interruptions or data loss

AI-Generated Content

• Our AI analysis may contain errors or inaccuracies
• You should verify all information independently
• We do not warrant the accuracy or completeness of AI-generated content

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PERSPECTEC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF OUR SERVICES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM RELATED TO OUR SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

9. Indemnification

You agree to indemnify, defend, and hold harmless Perspectec and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses arising out of or relating to:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Your content or data uploaded to our platform

10. Termination

Termination by You

You may terminate your account at any time by contacting us at general@perspectec.com. Unused credits will not be refunded upon termination.

Termination by Us

We may suspend or terminate your account immediately if you:

• Violate these Terms
• Engage in fraudulent or illegal activities
• Pose a security risk to our platform or other users
• Fail to pay for services when due

Effect of Termination

• Your access to our services will cease immediately
• We may delete your account data after 30 days
• Unused credits will be forfeited
• Provisions regarding liability, indemnification, and governing law will survive

11. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

View our Privacy Policy

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website
• Updating the "Last Updated" date
• Sending notice to your registered email address for significant changes

Your continued use of our services after changes take effect constitutes acceptance of the updated Terms.

13. Governing Law and Dispute Resolution

Governing Law

These Terms are governed by and construed in accordance with the laws of Canada and the Province of Ontario, without regard to conflict of law principles.

Jurisdiction

Any legal action or proceeding arising under these Terms will be brought exclusively in the federal or provincial courts located in Toronto, Ontario, Canada, and you hereby consent to personal jurisdiction and venue therein.

Dispute Resolution

Before filing any legal action, you agree to first contact us at general@perspectec.com to attempt to resolve any dispute informally. We will work in good faith to resolve any issues within 30 days.

14. Miscellaneous

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Perspectec regarding the use of our services.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Waiver

Our failure to enforce any provision of these Terms will not constitute a waiver of such provision or any other provision.

Assignment

You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms without restriction.

15. Contact Information

If you have any questions about these Terms, please contact us: