Terms of Service

1. Agreement

These Terms of Service (“Terms”) are an agreement between you and Injoyments LLC, a New Jersey limited liability company (“Injoyments”, “we”, “us”), covering your use of injoyments.com and its features (the “Service”). By creating an account or using the Service, you agree to these Terms, our Privacy Policy and our Disclaimer, which are part of these Terms. If you don’t agree, don’t use the Service.

2. Educational use only

The Service helps you learn to read and compare company financial data. It is not investment, financial, tax or legal advice, and nothing in it is a recommendation or offer to buy, sell or hold any security. Injoyments is not a registered investment adviser or broker-dealer, and we don’t provide advice tailored to you. You are solely responsible for your investment decisions. The Disclaimer explains this in more detail.

3. Who can use Injoyments

You must be at least 18 years old and able to enter a binding contract. The Service is operated from the United States and intended for users there.

4. Your account

Give us accurate information when you sign up and keep it current. Keep your password secure and don’t share your account. One account is for one person. You’re responsible for activity on your account, so tell us right away at admin@injoyments.com if you think someone else has used it.

5. Plans, billing and cancellation

The free plan includes a limited number of stock lookups and AI explanations each calendar month. The Pro plan costs $5.99 per month (plus any applicable taxes) and removes those limits.

• Automatic renewal: Pro renews every month and charges the card on file until you cancel. By subscribing, you authorize these recurring charges.
• Cancelling: you can cancel anytime from the billing page in your account. Cancellation takes effect at the end of the current billing month, and you keep Pro until then.
• Refunds: payments are non-refundable, and we don’t give credit for partly used months, except where the law requires it. If you think you were charged by mistake, email us and we’ll look into it.
• Failed payments: if a renewal payment fails, your account may return to the free plan.
• Price changes: we’ll give you at least 30 days’ notice by email before a price change applies to your subscription, so you can cancel first if you choose.

Payments are processed by Stripe, and your payment information is subject to Stripe’s terms and privacy policy.

6. Acceptable use

You agree not to:

• Scrape, crawl or bulk-download data from the Service, or access it through bots or other automated means.
• Copy, resell, redistribute or publish the Service’s data, scores or AI explanations as part of another product or service.
• Get around usage limits, for example by creating multiple free accounts.
• Interfere with, probe or attack the Service, or reverse engineer it.
• Use the Service for anything unlawful or to harm anyone.

7. Data and AI explanations

Financial data on the Service is derived from public company financial statements and refreshed periodically. AI explanations are generated automatically. Either can be delayed, incomplete or wrong. We provide them for learning and don’t guarantee that they are accurate, complete or current, so check important figures against the company’s official filings.

8. Our content and your license

The Service, including its software, design, lessons, scores and compilations of data, belongs to Injoyments or our licensors. We give you a personal, non-transferable license to use it for your own non-commercial learning while you follow these Terms. You may quote small portions for personal or educational discussion with credit to Injoyments.

9. Feedback

If you send us ideas or suggestions, we may use them without any obligation to you.

10. Disclaimer of warranties

The Service is provided “as is” and “as available”. To the fullest extent the law allows, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We don’t promise that the Service will be uninterrupted, error-free or secure.

11. Limitation of liability

To the fullest extent the law allows, Injoyments and its members, employees and agents will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any trading or investment losses, lost profits or lost data, arising from your use of or reliance on the Service, even if we were told they were possible.

Our total liability for any claim relating to the Service is limited to the greater of the amount you paid us in the 12 months before the claim arose or $50. Some places don’t allow these limits, so they may not all apply to you.

12. Indemnity

You agree to cover any claims, losses and costs, including reasonable legal fees, that arise from your misuse of the Service or your breach of these Terms.

13. Suspension and termination

You can stop using the Service and ask us to delete your account at any time. We may suspend or close accounts that break these Terms or put the Service or other users at risk. If we close a paid account without cause, we’ll refund the unused part of your current month. Sections 2, 7, 8 and 10 to 15 continue to apply after your account ends.

14. Changes to these Terms

We may update these Terms. We’ll change the date at the top, and for significant changes we’ll email you or show a notice on the site before they take effect. If you keep using the Service after that, you accept the updated Terms.

15. Governing law and disputes

These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-law rules. Any dispute will be decided exclusively in the state courts located in Ocean County, New Jersey, or the United States District Court for the District of New Jersey, and you and we consent to those courts. Either of us may bring a qualifying claim in small claims court instead.

16. General

If any part of these Terms is found unenforceable, the rest stays in effect. If we don’t enforce a right, we haven’t waived it. You may not transfer these Terms without our consent; we may transfer them as part of a merger, acquisition or sale of the business. These Terms, the Privacy Policy and the Disclaimer are the entire agreement between you and us about the Service.

17. Contact

Injoyments LLC, New Jersey. admin@injoyments.com