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Terms of Service

Last updated: May 2026  ·  Effective immediately upon account creation

1. Acceptance of Terms

By creating an account or using Market Eyes Live ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

These terms apply to all users including free accounts, trial users, and Pro subscribers.

2. Description of Service

Market Eyes Live is a real-time market intelligence platform that provides:

• Live market data including Treasury yields, MBS prices, equities, commodities, and economic indicators
• Signal Picks — algorithmically ranked stock picks refreshed during market hours
• Stock and Commodity Scorer — on-demand composite scoring analysis across 8 scoring components
• Rate scoring models and lock/float signals
• Reprice alerts and early warning signals
• AI-powered market analysis tools
• Economic calendar with event countdown alerts

All data is sourced from third-party providers (Yahoo Finance, FRED, and others) and is provided as-is. We do not guarantee the accuracy, completeness, or timeliness of any data.

3. Accounts

You must provide accurate information when creating your account. You are responsible for maintaining the security of your account credentials. You may not share your account with others or use another person's account.

We reserve the right to suspend or terminate accounts that violate these terms.

4. Free Trial & Subscriptions

New accounts receive a 10-day free trial with full Pro access. No credit card is required to start a trial.

After the trial period, continued Pro access requires a paid subscription:

• Monthly: $9.99/month, billed monthly
• Annual: $79/year, billed annually (save 34%)

Subscriptions automatically renew unless cancelled. You may cancel at any time from your account settings. No refunds are issued for partial billing periods.

Payments are processed securely by Stripe. We do not store your payment information.

5. Acceptable Use

You agree not to:

• Scrape, copy, or redistribute data from the Service
• Use the Service for any unlawful purpose
• Attempt to reverse engineer or interfere with the platform
• Share access credentials with third parties
• Use automated tools to access the Service without our permission

6. Intellectual Property

All content, software, scoring models, and design elements of Market Eyes Live are owned by Market Eyes Live and protected by applicable intellectual property laws. You may not reproduce or distribute any part of the Service without written permission.

7. Methodology, Signal Picks & Stock Scoring — Not Investment Advice

Market Eyes Live Signal Picks, composite scoring outputs, and market regime indicators are provided for educational and informational purposes only. The following applies in full:

• Signal Picks and scores are generated by algorithmic analysis of publicly available data. They do not constitute financial, investment, trading, or securities advice of any kind.
• Market Eyes Live is not a registered investment advisor (RIA), broker-dealer, or any other licensed financial professional under federal or state securities laws.
• Scores, composite ratings (Highest Conviction / Hold / Unfavorable), and component breakdowns may be incomplete, delayed, or inaccurate due to third-party data limitations outside our control.
• Past performance is not indicative of future results. Algorithmic signals that performed well historically may not perform well in the future.
• You may lose part or all of your invested capital. Investing in equities, commodities, and other instruments involves significant risk.
• Aggressive-classified assets (including crypto and high-volatility stocks) carry substantially higher risk of loss than Conservative-classified assets. Risk classifications are informational only and do not constitute a suitability assessment for any individual investor.
• Always consult a licensed financial advisor, accountant, or other qualified professional before making any investment decision.

7.1 How the scoring engine works

Every ticker is evaluated against an 8-component composite scoring model that combines: (1) Valuation — trailing and forward P/E, PEG, EV/EBITDA, free-cash-flow yield; (2) Quality — gross margin, operating margin, return on equity, and debt-to-equity; (3) Momentum — price action relative to 50-day and 200-day moving averages, distance from 52-week high/low, volume ratio; (4) Sentiment — analyst consensus, target price upside, short interest; (5) Earnings — recent EPS beats, surprise magnitude, guidance trajectory; (6) Risk — volatility regime, sector concentration, VIX environment; (7) Theme — sector tailwind classification; (8) Catalyst — upcoming earnings, FDA milestones, macro events. Components are weighted differently for mature versus speculative profiles. The composite output (0–100) is mapped to color-coded labels: Highest Conviction, Runner!, Very Promising, Promising, Hold, Unfavorable, plus speculative tiers (Rising Star, Catalyst Watch).

7.2 Market regime detection

The market regime indicator (presented as Calm Bull, Caution, Risk-Off, or Cautious Tape) is computed by a triple-layer detector designed to require multi-source confirmation before any defensive action is taken. Layer 1 (Macro) reads VIX absolute level, VIX 30-minute velocity, VIX9D-versus-VIX backwardation premium, and SPY trend versus 50/200-day moving averages. Layer 2 (Tape) reads intraday breadth (percentage of widely-watched names trading red) and defensive-versus-growth sector rotation (consumer staples, utilities, healthcare versus technology, consumer discretionary). Layer 3 (Events) reads scheduled macro events within a 24-hour window (FOMC, CPI, NFP, PCE, GDP) and freshness-filtered macro news headlines from licensed sources.

Gating decisions follow strict confirmation rules: a single signal — even an extreme VIX print — never triggers any user-facing gating action. Risk-Off gating (which pauses new Enter Now suggestions and reduces suggested position sizing to 0.25x) requires Layer 1 firing AND Layer 2 confirming. Caution states (which reduce suggested position sizing to 0.5x without pausing Enter Now) can be triggered by partial signals plus tape confirmation, or by imminent high-impact events. Layer 1 alone (a VIX spike with calm tape) produces only a soft-warn pill with no gating — this is the engine's deliberate false-flag protection.

7.3 Data sources and freshness

Equity and ETF pricing data are sourced from Yahoo Finance (free-tier API; subject to redistribution constraints) and Polygon.io / Massive (licensed). Fundamentals data are sourced from Polygon.io / Massive (primary, licensed) with Yahoo Finance fallback for debt-to-equity coverage. Earnings data are sourced from Finnhub (primary) and Alpha Vantage (fallback). Macro news is sourced from Finnhub and Yahoo Finance with an enforced freshness gate — per-article age must be 60 minutes or less before the article can confirm any regime signal. Data freshness, API quotas, and provider availability are outside Market Eyes Live's control and may degrade or interrupt scoring at any time.

7.4 Trade plans, position sizing, and stops

Suggested entry zones, position sizes, target levels, and stop levels presented in the trade-plan UI are algorithmic outputs of the scoring engine, not personalized investment advice. Suggested position sizes are scaled automatically by the prevailing market regime — from 1.0x in normal regimes down to 0.5x during Caution and 0.25x during confirmed Risk-Off. Stop levels in elevated-volatility regimes are tightened by the same engine but are subject to a 5% floor so that normal intraday volatility does not produce false exits. None of these outputs account for individual financial circumstances, risk tolerance, tax situation, or investment objectives.

By using Signal Picks, the Stock Scorer, the market regime indicator, or any other Market Eyes Live output, you acknowledge that you have read and understood this disclaimer and agree that Market Eyes Live bears no responsibility for any investment decisions you make based on information provided by the Service.

8. Disclaimer of Warranties

The Service is provided "as is" without warranties of any kind. We do not warrant that the Service will be uninterrupted, error-free, or that data will be accurate or current. Market data can be delayed, incorrect, or unavailable due to third-party data provider issues outside our control.

9. Limitation of Liability

To the maximum extent permitted by law, Market Eyes Live shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, including but not limited to: financial losses resulting from lock/float decisions, investment or trading losses resulting from Signal Picks or composite scoring outputs, or any other decisions made using data or analysis provided by the platform.

10. Changes to Terms

We may update these terms from time to time. Continued use of the Service after changes constitutes acceptance of the new terms. We will notify users of material changes via email.

11. Contact

For questions about these terms, contact us at team@marketeyeslive.com.