Poorguru — See what smart money sees.

Acceptance of Terms

By accessing and using Poorguru's investment tracking platform and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Description of Service

Poorguru provides an investment research and tracking platform that aggregates and presents publicly available information about institutional investors and their portfolio holdings. Our services include:

Analysis of SEC 13F filings and other public investment disclosures
Portfolio tracking and performance metrics
Investment research and market insights
Educational content about institutional investing
Email newsletters and updates

Investment Disclaimer

IMPORTANT INVESTMENT DISCLAIMER:

Not Financial Advice: The information provided on our platform is for educational and informational purposes only and should not be considered as financial, investment, or trading advice.
No Investment Recommendations: We do not provide personalized investment recommendations or advice. All investment decisions should be made based on your own research and consultation with qualified financial professionals.
Historical Performance: Past performance of investments or investors does not guarantee future results.
Risk Warning: All investments carry risk, including the potential loss of principal. You should carefully consider your investment objectives and risk tolerance before making any investment decisions.
Data Accuracy: While we strive for accuracy, we cannot guarantee that all information is complete, current, or error-free.

User Responsibilities

As a user of our platform, you agree to:

Provide accurate and current information when creating an account
Maintain the security of your account credentials
Use the service only for lawful purposes
Not attempt to gain unauthorized access to our systems
Not reproduce, distribute, or create derivative works from our content without permission
Not use automated tools to scrape or download our data
Comply with all applicable laws and regulations

Data Sources and Accuracy

Our platform aggregates information from various public sources, including:

SEC EDGAR database (13F filings, proxy statements, etc.)
Public company earnings reports and press releases
Market data providers
Other publicly available financial information

While we make reasonable efforts to ensure data accuracy, we cannot guarantee that all information is complete, current, or error-free. Users should verify information independently before making investment decisions.

Intellectual Property

The Poorguru platform, including its design, functionality, content, and analysis, is protected by intellectual property laws. You are granted a limited, non-exclusive license to use our platform for personal, non-commercial purposes.

You may not reproduce, distribute, modify, or create derivative works from our platform or content without our express written permission.

Subscription and Payment

Certain features of our platform may require a paid subscription. By subscribing, you agree to:

Pay all applicable fees and charges
Automatic renewal unless cancelled
Our refund policy as stated separately
Price changes with appropriate notice

You may cancel your subscription at any time through your account settings. Cancellations will take effect at the end of the current billing period.

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information. By using our platform, you consent to the collection and use of information as outlined in our Privacy Policy.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, POORGURU SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

Investment losses or financial damages
Loss of profits, data, or business opportunities
Service interruptions or technical issues
Errors or omissions in data or analysis
Third-party actions or content

Our total liability to you for any damages shall not exceed the amount you paid for our services in the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless Poorguru, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising from your use of our platform, violation of these terms, or infringement of any rights of another party.

Termination

We may terminate or suspend your access to our platform at any time, without prior notice, for:

Violation of these terms of service
Fraudulent or illegal activity
Non-payment of applicable fees
At our sole discretion for any reason

Upon termination, your right to use the platform ceases immediately, though certain provisions of these terms will survive termination.

Governing Law

These terms shall be governed by and construed in accordance with the laws of [Your State/Country], without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts in [Your Jurisdiction].

Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes by posting the updated terms on our platform and updating the "Last updated" date above. Your continued use of the platform after such changes constitutes acceptance of the new terms.

Contact Information

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

Email: [email protected]

Severability

If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining terms will remain in full force and effect.