Terms of Service

Last updated: September 28, 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 and by our Privacy Policy. If you do not agree, do not use the Service.

These terms apply to all users, including free accounts, trial users and Pro subscribers. If you use our iOS app, Apple's Licensed Application End User License Agreement also applies to your use of the app. Use of our free public MCP server and data feeds is governed by our API Terms.

2. Description of Service

Market Eyes Live is a market research and education platform that provides:

• Ratings: a 0 to 100 score and a conviction tier for U.S. listed stocks and ETFs, built from eight factor scores, with versions of the model for funds, REITs, crypto and commodities
• Hero Picks, Movers, Discover and Wild Cards: lists of rated names and of highly volatile stocks, refreshed during market hours
• Trade plans: suggested entry zones, alert levels and model position sizes
• Alerts and notifications about ratings, prices, market conditions and Lock Radar
• The Sim: paper trading with simulated money, with leaderboards, leagues, duels, streaks and chat
• Lock Radar: an educational read on mortgage rate lock or float timing for a closing window, reprice alerts and homeowner calculators
• Live and delayed market data, insider activity from SEC Form 4 filings, and an economic calendar
• A free public MCP server and data feeds, described in the API Terms

Our figures are computed from public company filings and from third party data providers (see Section 7.3), and are provided as is. We do not guarantee the accuracy, completeness or timeliness of any data or output.

3. Accounts

You must provide accurate information, keep your sign in credentials secure, and use the Service only for yourself. You may not share your account or use another person's account. Your Sim handle and display name must not impersonate anyone or be offensive.

We may suspend or terminate accounts that violate these terms.

4. Free Trial & Subscriptions

Free trial: New accounts created through August 4, 2027 receive a 30 day free Pro trial automatically, with no payment details required. When the trial ends, your account returns to the free plan unless you subscribe. A free account includes limited features, such as a set number of free ratings.

Website subscriptions: Web checkout prices are:

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

You enter a payment method at checkout. If you subscribe while a trial is still running, your first charge happens when that trial ends; if your trial has already been used, you are charged when you subscribe. Web payments are processed by Stripe.

App Store subscriptions: Subscriptions purchased inside the iOS app are billed by Apple through the App Store, and the App Store price may differ from the web prices above (the App Store price is currently $9.99/month or $85/year). Eligible new subscribers receive the introductory free period that Apple shows at purchase (currently one month). Payment is charged to your Apple ID, and App Store purchases are subject to Apple's terms and Apple managed billing.

Subscriptions renew automatically unless cancelled; App Store subscriptions must be cancelled at least 24 hours before the end of the current period. You may cancel at any time: from your account settings for web subscriptions, or in your Apple ID subscription settings for App Store subscriptions. Cancelling stops future renewals, and your access continues until the end of the period you paid for. Deleting your account cancels a web subscription but does not cancel an App Store subscription. No refunds are issued for partial billing periods except where required by law; refunds for App Store purchases are handled by Apple. Prices may change, and any change will be shown before you subscribe or renew. We do not store your payment card information.

5. Acceptable Use and Community Rules

You agree not to:

• Scrape, copy, or redistribute data from the Service, or access it with automated tools without our permission, except as the API Terms allow for the public MCP server and feeds
• Use the Service for any unlawful purpose
• Attempt to reverse engineer, overload, or interfere with the platform
• Share access credentials with third parties

Leagues, chats, direct messages, the Arena board and profiles contain content posted by members. We have no tolerance for objectionable content or abusive members. You agree not to post or send content that:

• Harasses, threatens, bullies or demeans anyone, or promotes hate or violence
• Is sexually explicit, graphic, or otherwise objectionable
• Is spam, a scam, or an attempt to manipulate the price of any security, including coordinated "pump and dump" promotion
• Impersonates any person or company, or claims to be a licensed adviser when you are not
• Shares another person's private information without permission
• Contains malware or breaks the law

An automatic filter checks the text members post for objectionable words. You can report or block a member from their profile: tap their name or photo, for example on a leaderboard or in a league, and choose Report or Block. A person on our team reviews every report, and the member you report is not told who reported them. Blocking stops that member from messaging you. You can see the members you have blocked, and unblock them, in your blocked list. We remove content and accounts that break these rules. Content posted by members is their own opinion, not advice from us; a person does not review posts before they appear, and we do not endorse them.

6. Intellectual Property and Your Content

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, except as the API Terms allow.

You keep ownership of the messages, photos, voice notes and other content you post. You give us a license to host, store, display and transmit that content as needed to operate and improve the Service. You are responsible for the content you post.

7. Methodology, Ratings, Picks & Trade Plans: Not Investment Advice

Market Eyes Live ratings, conviction tiers, picks, trade plans, alerts, market regime indicators and all other outputs are provided for educational and informational purposes only. The following applies in full:

• Ratings and picks are generated by algorithmic analysis of public filings and market data. No language model is used to compute a rating. They do not constitute financial, investment, trading, or securities advice of any kind, and they do not consider your finances, goals, or risk tolerance.
• Market Eyes Live is not a registered investment adviser (RIA), broker dealer, or any other licensed financial professional under federal or state securities laws.
• Scores, conviction tiers (Highest Conviction, Favorable, Hold and Unfavorable for established companies; Rising Star, Very Promising and Promising for speculative companies; the Runner! and Catalyst Watch flags; and the labels used for funds, REITs and crypto, such as Core Holding, Sector Leader, Steady, Lagging, Avoid and Stable Value) and factor breakdowns may be incomplete, delayed, or inaccurate due to data limitations outside our control. A tier describes how the model reads the data; it is not an instruction to act.
• Past performance is not indicative of future results. 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, funds, crypto, commodities, and other instruments involves significant risk.
• Aggressive or speculative assets (including crypto and high volatility stocks) carry substantially higher risk of loss than conservative ones. Risk classifications are informational only and are not 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

Our MELANY engine scores every stock against an eight factor composite model: (1) Valuation: the P/E ratio against its sector, PEG, EV/EBITDA, free cash flow yield and earnings yield against the 10 year Treasury; (2) Quality: the Piotroski F-Score, margins, return on equity, debt to equity and the Altman Z-Score; (3) Momentum: RSI, price against the 50 day and 200 day moving averages, strength relative to the S&P 500, the volume trend and distance from the 52 week low; (4) Earnings: the streak of earnings beats, the average surprise and estimate revisions; (5) Sentiment: news tone, analyst consensus and target price, short interest and insider buying; (6) Catalyst: upcoming earnings and dividend dates, mergers, spinoffs and activist filings, FDA decision dates and lockup expirations; (7) Risk-Adjusted: beta, the Sharpe ratio, drawdown, volatility and fit with the VIX level; (8) Macro Fit: the sector's momentum against the S&P 500, the yield curve, dollar exposure, credit spreads and, for cyclical sectors, the PMI. Factors are weighted differently for established and speculative companies. Theme strength (how strongly a stock's sector theme is moving) is used by the speculative model and for the Runner! flag. The composite (0 to 100) maps to the conviction tiers listed above. Funds, REITs, crypto and commodities are scored with versions of the model built for that asset type. Ratings are dated snapshots that change as the data changes.

7.2 Market regime detection

The market regime indicator (for example Calm Bull, Caution or Risk-Off) is computed by a three layer detector designed to require confirmation from more than one source before any defensive adjustment is made. Layer 1 (Macro) reads the VIX level, how fast the VIX is moving, the VIX9D premium over the VIX, and the S&P 500 trend versus its 50 and 200 day moving averages. Layer 2 (Tape) reads breadth (the share of widely watched names trading lower) and defensive versus growth sector rotation. Layer 3 (Events) reads scheduled high impact macro events within a 24 hour window (FOMC, CPI, NFP, PCE, GDP).

A single signal, even an extreme VIX reading, never triggers a defensive adjustment on its own. Risk-Off (which pauses new entry suggestions and reduces model position sizes to 0.25x) requires Layer 1 firing and Layer 2 or Layer 3 confirming. Caution (which reduces model position sizes to 0.5x) can be triggered by partial signals with tape confirmation, or by an imminent high impact event. Layer 1 alone produces only a warning label with no adjustment.

7.3 Data sources and freshness

Company fundamentals are derived by our MELANY engine from SEC EDGAR filings and cross checked against third party providers (Finnhub and Yahoo Finance), which are used only when a filing does not provide the answer. Prices come from Yahoo Finance and Nasdaq (including extended hours); Treasury yields from CNBC, Yahoo Finance and FRED; volatility data from Yahoo Finance; earnings dates and estimates from Finnhub, Alpha Vantage and Yahoo Finance; analyst estimates and news from Finnhub; insider activity from SEC Form 4 filings, with Finnhub as a fallback; crypto data from CoinGecko; and mortgage and macro data from FRED, Freddie Mac and published Federal Reserve and Bureau of Labor Statistics schedules. Mortgage bond (MBS) conditions are tracked through the iShares MBS ETF (MBB) as a proxy, not live TBA prices. These are not official exchange feeds. Data can be delayed, revised, incomplete, or wrong, and provider availability is outside our control and may degrade or interrupt ratings at any time.

7.4 Trade plans, position sizing, and alert levels

Suggested entry zones (a floor, a suggested entry and a ceiling), alert levels, safety lines, model position sizes and any target or reference levels are algorithmic outputs of the scoring engine, not personalized investment advice. A model position size is a percent of a model portfolio; it is capped, and it is reduced in cautious market regimes and for overheated names. The position calculator converts that percent into dollars for any amount you type; it does not know your finances and is not advice about how much to invest. An alert level is a reference price at which the model would look again at its read; it is not an automatic stop loss, and prices can gap past any level. Fill estimates (such as "about 4 in 5") are averages from a hypothetical backtest across many stocks, not a forecast for any single stock. None of these outputs account for your financial circumstances, risk tolerance, tax situation, or investment objectives.

7.5 Picks, Discover and Wild Cards

Hero Picks, Movers and Discover show names ranked by the engine; appearing in a list is not a recommendation. Wild Cards are highly volatile stocks that can jump 50% or drop 40% in a single day, and many give back their gains quickly. The "in 100" figures on Wild Cards come from a hypothetical backtest of the past two years across stocks that are listed today, so companies that failed or delisted are missing (survivorship bias), which tends to make results look better than reality. They measure how often similar past cases touched a higher or lower price at some point within about a month; they describe groups of past cases, not a forecast for any stock.

7.6 Backtests, Track Record and the validation record

The engine's risk and portfolio rules were backtested on U.S. market data from 2007 to 2026. Backtested and simulated results, including MEL Baskets statistics, are hypothetical: they are prepared with the benefit of hindsight, do not reflect trading in real accounts, and have inherent limitations. Some of our test sets include delisted companies and some do not. Published ratings have been recorded and graded against what the market does next since August 2026; that record is young and covers the ratings we capture, not every rating produced on demand. The in app Track Record shows how currently rated stocks moved over past windows, measured on price only with no dividends, fees, or slippage; it is not the result of past calls or of any account. MEL Baskets (also shown as MEL ETFs) are model baskets built by the engine, not registered funds you can buy.

7.7 Alerts and notifications

Alerts are generalized market commentary, not personalized recommendations. Some alerts are grouped and sent at set times rather than instantly, and any alert can be delayed or missed. Push notifications are short and do not repeat these disclaimers, which still apply to them.

7.8 The Sim and community features

The Sim uses simulated money only. Simulated dollars, positions, returns, streak rewards, and league, duel and clash results have no cash value, cannot be withdrawn, transferred, or redeemed, and may be reset. No real money prizes are offered. Simulated orders fill at prices taken from live or delayed market data, and simulated results do not predict real trading results. Some community accounts on leaderboards and in the Arena are operated by Market Eyes Live. Messages and posts from members, including anything shared in chat, are the members' own views and are not advice from us.

7.9 Lock Radar and mortgage tools

Lock Radar is an educational read of market conditions (the 10 year Treasury yield and its direction, the MBS proxy, the rate environment and scheduled economic events) for a closing window. It is not a rate quote, a lock recommendation, a loan estimate, or a commitment to lend, and it does not know your lender's pricing, your loan, your lock terms, or your fees. Homeowner calculators use published state averages (for example property tax, insurance and home price data) that may not match your county or property. Market Eyes Live is not a licensed mortgage broker, lender, or loan originator and holds no NMLS ID. Confirm rates and lock decisions with an NMLS licensed loan officer, whose license you can verify at nmlsconsumeraccess.org.

7.10 Insider activity

The insider activity card summarizes SEC Form 4 filings (or vendor data when a filing read is unavailable). Insiders buy and sell for many reasons, and their trades are not investment advice.

By using ratings, picks, trade plans, alerts, the Sim, Lock Radar, 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, trading, or mortgage 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. When live data is unavailable, some values may be missing, out of date, or based on default assumptions.

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 or float decisions, investment or trading losses resulting from ratings, picks, trade plans, alerts, or other outputs, or any other decisions made using data or analysis provided by the platform.

10. Termination

You may stop using the Service and delete your account at any time, as described in our Privacy Policy. We may suspend or end your access if you break these terms or if we stop offering the Service.

11. Changes to Terms

We may update these terms from time to time. The date at the top shows the latest version. Continued use of the Service after changes constitutes acceptance of the new terms. We will notify users of material changes by email or in the app.

12. Contact

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