Terms of Service

1. Description of Service

SafetyMargin.io is a free, web-based stock analysis tool that provides financial data, valuation models (including DCF analysis), historical fundamentals, and research tools. The Service is designed for educational and informational purposes only.

2. Not Financial Advice

The Service does not provide financial, investment, tax, legal, or accounting advice. All data, calculations, and analysis are provided for informational purposes only. Please refer to our Financial Disclaimer for full details.

3. Service Provided "As Is"

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to:

• Implied warranties of merchantability or fitness for a particular purpose
• Warranties that the Service will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy or completeness of any data or content

4. Third-Party Data

Financial data displayed on the Service is sourced from Yahoo Finance and other third-party providers. We do not guarantee the accuracy, completeness, or timeliness of this data. The availability and quality of third-party data may change without notice, which may affect the functionality of the Service.

5. Your Data

Notes, checklist responses, DCF scenarios, and other user-generated content are stored exclusively in your browser's Local Storage. We do not have access to this data.

• You are responsible for backing up any data you consider important.
• Clearing your browser data will permanently delete all saved notes and settings.
• We are not liable for any loss of data stored in Local Storage.

6. Acceptable Use

You agree not to:

• Use automated scripts or bots to excessively scrape data from the Service
• Attempt to interfere with the proper functioning of the Service
• Redistribute, resell, or commercially exploit the data obtained through the Service without authorization
• Use the Service in any manner that violates applicable laws or regulations

7. Limitation of Liability

To the fullest extent permitted by applicable law, the operator of SafetyMargin.io shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Service. This includes, without limitation, damages for loss of profits, data, or other intangible losses.

8. Changes to the Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

9. Changes to These Terms

We may update these Terms of Service from time to time. The updated version will be published on this page with a revised date. Your continued use of the Service after changes are posted constitutes your acceptance of the revised terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Germany, without regard to conflict of law provisions. Any disputes shall be subject to the jurisdiction of the competent courts in Germany.

11. Contact

If you have questions about these Terms, please contact us at info@sabertec.net.