# MarketPug Terms of Use
Effective Date: 【07 10, 2026】
These Terms of Use ("Terms") govern your use of the mobile application MarketPug and all related services (the "Service"), operated by 【Business / Developer Name】 (the "Company"). By using the Service, you agree to be bound by these Terms.
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## 1. Purpose
These Terms set out the rights, obligations, and responsibilities of the Company and users, as well as the conditions and procedures for using the Service.
## 2. Definitions
1. "Service" means the MarketPug application and all related services provided by the Company.
2. "User" means any person, whether registered or not, who uses the Service.
3. "Member" means a User who accesses the Service by signing in (e.g., with a Google or Apple account).
4. "Premium Subscription" means a paid subscription that unlocks the Service's extended features.
5. "Content" means all information provided by the Service, including stock quotes, charts, news, financial data, institutional holdings, similar-pattern analysis, and AI chat responses.
## 3. Effect and Amendment of Terms
1. These Terms take effect when posted within the Service or otherwise notified to Users.
2. The Company may amend these Terms within the limits permitted by applicable law. Any amendment will be announced within the Service, stating the effective date and reason.
3. If you do not agree to the amended Terms, you may stop using the Service and delete your account. If you continue to use the Service after the effective date of the amendment, you are deemed to have accepted it.
## 4. Description of the Service
1. The Company provides the following:
- Stock quotes, charts, and related market data
- News, financial data, institutional holdings, and similar-pattern analysis
- AI-based conversational information (AI Chat)
- Other features developed or provided by the Company, including through partnerships
2. Free users may access only limited features (for example, viewing a restricted set of symbols) A Premium Subscription unlocks the full feature set.
3. The Company may change the content, composition, and method of providing the Service as needed for operational or technical reasons.
## 5. Investment Information Notice and Disclaimer
1. All Content provided by the Service (quotes, charts, news, financial and institutional data, AI chat responses, etc.) is **for informational purposes only** and **does not constitute investment advice, a solicitation, or a recommendation to buy or sell any security.**
2. Content may be sourced from third parties or automatically collected and processed, and may contain delays, errors, or omissions. The Company does not guarantee its accuracy, completeness, or timeliness.
3. **Responses generated by AI Chat may be inaccurate or incorrect** and should be treated as reference information only.
4. All investment decisions, and any resulting profits or losses, are solely your own responsibility. The Company is not liable for any investment decisions you make based on the Content.
## 6. Premium Subscription and Payment
1. Premium Subscriptions are offered as **weekly, monthly, and annual** auto-renewing subscriptions.
2. All payment, billing, and refund processing is handled through **the Google Play Store's billing system and policies**.
3. Subscriptions **renew automatically**. Unless auto-renewal is turned off **at least 24 hours before** the end of the current period, your Google Play account will be charged for the next period.
4. You can cancel or manage auto-renewal at any time in **Google Play Store > Subscriptions**. Deleting the app alone does not cancel your subscription.
5. Prices, currency, and taxes may vary depending on your country and Google Play policies.
## 7. Refunds
1. Refunds for paid subscriptions are subject to **the Google Play Store's refund policy and procedures**. Refund requests are, in principle, processed through Google Play.
2. Any right of withdrawal or refund granted under applicable consumer protection laws is preserved.
3. For digital content that has already been provided and for periods of use that have already elapsed, refunds may be limited to the extent permitted by applicable law and Google Play policies.
## 8. User Obligations
1. Users must not:
- Misappropriate another person's account or payment information
- Reproduce, distribute, sell, or commercially exploit the Content without authorization
- Interfere with the normal operation of the Service, or collect data by abnormal means such as reverse engineering or crawling
- Engage in any act prohibited by applicable law or these Terms
2. Users are responsible for managing their own account information.
## 9. Intellectual Property
1. All copyright and intellectual property rights in the Service and its software, design, trademarks, logos, text, and graphics belong to the Company or its rightful owners.
2. Users may not use information obtained through the Service for commercial purposes, or allow third parties to do so, without the Company's prior written consent.
## 10. Suspension and Modification of the Service
1. The Company may restrict or suspend all or part of the Service in the event of system maintenance, equipment repair, communication failures, or other significant operational reasons.
2. The Company may modify, suspend, or change all or part of the Service as needed for its policies and operations, and, unless otherwise required by law, will not provide separate compensation for such changes.
## 11. Limitation of Liability and Disclaimer
1. The Company is not liable for damages arising from causes beyond its reasonable control, including force majeure, natural disasters, the User's own fault, or the acts of third-party data providers.
2. Unless otherwise required by applicable law, the Company is not liable in connection with the use of services provided free of charge.
3. In accordance with Section 5, the Company is not responsible for the accuracy of the Content or for the outcome of any User's investment decisions.
## 12. Termination and Restriction of Use
1. You may terminate this agreement at any time by deleting your account.
2. The Company may restrict use of the Service or terminate this agreement, with prior notice (or subsequent notice in urgent cases), if you violate these Terms or applicable law.
## 13. Protection of Personal Information
The Company protects users' personal information in accordance with applicable law and its **Privacy Policy**. Please refer to the Privacy Policy within the Service for details.
## 14. Governing Law and Jurisdiction
1. These Terms are governed by and construed in accordance with the laws of the Republic of Korea.
2. Any dispute between the Company and a User arising from use of the Service shall be subject to the competent court determined under applicable law as the court of first instance.
## 15. Contact
For questions regarding the Service or these Terms, please contact us:
- App Name: MarketPug
- Contact Email: 【[email protected]】
- Operator: 【Formerry / JLabs】