Terms of Service

These Terms of Service (“Terms”) are an agreement between you and Coldpine LLC, a California limited liability company (“Coldpine,” “we,” “us”) (the “Service”). By creating an account or using the Service you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

Coldpine is a publisher of impersonal market research. We aggregate, organize, and score the financial-disclosure filings that members of Congress are legally required to make under the STOCK Act, sourced from the U.S. House Clerk and U.S. Senate Electronic Financial Disclosure portals and related public records (e.g., SEC EDGAR). The analysis, scores, and any digests we publish are the same for every subscriber of a given plan. They are general in nature and are not tailored to your financial situation, holdings, objectives, or risk tolerance.

The Service is a bona fide publication of general and regular circulation that distributes impersonal commentary, analysis, and educational content about publicly available Congressional financial disclosures and securities markets. Coldpine relies on the publisher’s exclusion under Section 202(a)(11)(D) of the Investment Advisers Act of 1940 (15 U.S.C. § 80b-2(a)(11)(D)) and does not provide individualized advice, tailored recommendations, or personalized portfolio management.

Coldpine is not an investment adviser, broker-dealer, financial planner, or fiduciary. Nothing on the Service is investment, legal, accounting, or tax advice, a recommendation or solicitation to buy, sell, or hold any security, or an offer of any advisory service. We do not provide personalized advice, manage assets, connect to your brokerage account, or place trades for anyone. No advisory or fiduciary relationship is created by your use of the Service. You are solely responsible for your own investment decisions and should consult your own licensed professionals before acting on any information.

Your acknowledgments. By using the Service, you acknowledge and agree that (i) you are not relying on Coldpine for investment, legal, accounting, or tax advice; (ii) Coldpine is not, and will not be, your sole source of information for any investment decision; (iii) you will independently evaluate any information from the Service and consult licensed professionals before acting on it; (iv) you understand that securities trading involves substantial risk, including the possible loss of all amounts you invest, and that past or hypothetical performance is no guarantee of future results; and (v) you assume full responsibility for any decision you make and any outcome that follows.

Any track record, “signal,” score, alpha figure, benchmark, or backtest shown on the Service is illustrative and largely hypothetical. Backtested and simulated results are calculated with the benefit of hindsight, do not represent actual trading, and have inherent limitations. Past or hypothetical performance is not indicative of and does not guarantee future results. We make no representation that any account will or is likely to achieve results similar to those shown. Markets involve risk, including the possible loss of principal.

You must be at least 18 years old and able to form a binding contract to use the Service, and you must use it only where permitted by law. You are responsible for your account credentials and for all activity under your account. Provide accurate information, keep your password secure, and notify us promptly of any unauthorized use.

Free plan: available at no cost and requires no payment method.

Pro plan: a paid subscription billed at $29 per month (or the price then shown at checkout) through our third-party payment processor, Stripe. By subscribing you authorize recurring charges to your payment method. Your subscription automatically renews each billing period until you cancel. You may cancel at any time from your account’s billing portal; cancellation takes effect at the end of the current paid period and you retain Pro access until then.

Applicable taxes may be added. We may change prices or plan contents prospectively with notice on this site or by email; changes do not affect the period you have already paid for. If a payment fails, we may retry and may downgrade or suspend Pro access until payment succeeds. You will not be charged without explicitly subscribing. We do not store your full card number; card data is handled by Stripe under its own terms.

Refunds. Normal user-initiated cancellations do not receive a refund. You keep your paid access through the end of the current billing period (monthly or annual) and your subscription stops renewing. If Coldpine discontinues the Pro service entirely, or materially removes core Pro features during your paid annual term, we will issue a prorated refund covering the unused months of that term. Prorated refunds are issued via Stripe to the original payment method within fourteen (14) days of the discontinuation or material change. This commitment is in addition to any non-waivable rights you have under applicable consumer-protection law.

California auto-renewal disclosure. In compliance with California Business and Professions Code §§ 17600 – 17606, California subscribers acknowledge that: (i) Pro is a continuous, automatically renewing service that continues until you cancel; (ii) your payment method will be charged at the start of each billing period at the then-current rate disclosed at checkout; (iii) you may cancel at any time, free of charge, through your account’s billing portal, by emailing hello@coldpine.io, or by following the instructions in any post-purchase confirmation email we send you; (iv) cancellation takes effect at the end of the then-current paid period; and (v) you may obtain a copy of these Terms at any time at coldpine.io/terms.

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access the Service for your own non-commercial use. You may not: scrape, crawl, bulk-download, resell, sublicense, or redistribute the Service or its data or scores; share your account or access credentials; reverse engineer or attempt to derive source code; circumvent security, rate limits, or access controls; access other users’ data; or use the Service to violate any law or third-party right. We may suspend or terminate accounts that do.

The Service, including its software, design, scoring methodology, and original content, is owned by Coldpine LLC and protected by intellectual property laws. Underlying Congressional disclosure data is public government information and is not claimed by us. We welcome feedback; if you send it, you grant us a perpetual, royalty-free license to use it without obligation to you.

Disclosure data comes from third-party government sources and can be delayed, incomplete, amended, mis-categorized, or contain errors at the source. By law, members’ reports may disclose trades weeks or months after they occur. Coldpine’s scores are derived heuristics, not statements of fact or guarantees of accuracy, completeness, or future results. The Service relies on third-party providers and may be unavailable, interrupted, or changed at any time.

The Service is provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory, including merchantability, fitness for a particular purpose, accuracy, and non-infringement, to the maximum extent permitted by law.

To the maximum extent permitted by law, Coldpine LLC and its members, managers, officers, employees, contractors, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any trading or investment losses, lost profits, lost revenue, lost data, lost goodwill, business interruption, or loss of business opportunity, arising from or related to these Terms or your use of (or inability to use) the Service, regardless of the form of action (contract, tort, statute, strict liability, or otherwise), and even if we have been advised of the possibility of such damages or if any limited remedy provided in these Terms fails of its essential purpose.

Our total aggregate liability for all claims arising out of or relating to these Terms or the Service, in the aggregate and not per-claim, is limited to the greater of (a) the amount you paid Coldpine in the twelve (12) months preceding the event giving rise to the claim or (b) one hundred U.S. dollars (US $100). Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, the limits above apply to the fullest extent permitted by law.

You agree to indemnify and hold harmless Coldpine and its operators from any claims, losses, and expenses (including reasonable legal fees) arising out of your misuse of the Service, your violation of these Terms, or your violation of any law or third-party right.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you breach these Terms or to protect the Service or other users. Sections that by their nature should survive termination (including ownership, disclaimers, limitation of liability, and indemnification) will survive.

Talk to us first. Most disputes are resolved fastest informally. Before filing anything formal, please email hello@coldpine.io with a description of the issue; we will respond promptly and in good faith.

(a) Binding individual arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service (including the formation, breach, interpretation, enforceability, or validity of these Terms) that is not resolved informally will be resolved by binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules then in effect, or, if JAMS is unavailable, by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will be conducted in English, the seat of arbitration will be Los Angeles County, California, and the arbitrator’s award is final and may be entered as a judgment in any court of competent jurisdiction.

(b) Class-action and jury-trial waiver. You and Coldpine each waive any right to bring claims as a class, collective, or representative action, and waive any right to a trial by jury. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of class or representative proceeding. If this waiver is found unenforceable for a particular dispute, that dispute (and only that dispute) will be resolved in court under paragraph (e); the rest of this arbitration agreement remains in effect.

(c) 30-day opt-out. You may opt out of this arbitration agreement by sending written notice (email is fine: hello@coldpine.io) within thirty (30) days of first creating your account. Your notice must include your full name, the email on your account, and a clear statement that you opt out of arbitration. Opting out has no other effect on these Terms and does not affect any other right or obligation under these Terms.

(d) Carve-outs.Either party may (i) bring an individual action in small-claims court if the dispute qualifies under that court’s rules and dollar limits, and (ii) seek injunctive or other equitable relief in court to protect intellectual-property rights or to enforce confidentiality obligations, in each case without invoking arbitration.

(e) Governing law and venue for non-arbitrable claims. These Terms are governed by the laws of the State of California, without regard to conflict of laws principles. For any matter not subject to arbitration (including the carve-outs in paragraph (d) and any matter where the arbitration agreement is found unenforceable), the parties consent to the exclusive jurisdiction of the state and federal courts located in Los Angeles County, California, and waive any objection to venue or forum non-conveniens. In any such court action to enforce these Terms, the prevailing party will be entitled to recover reasonable attorneys’ fees and costs.

We may update these Terms; material changes will be reflected by the “last updated” date above and, where appropriate, an in-app or email notice. Continued use after a change means you accept it. Questions: hello@coldpine.io.