1. Acceptance of Terms
By accessing or using the SmartMoneyKumo website, dashboards, or related services (the "Service"), you agree to these Terms of Use. If you do not agree, do not use the Service.
SmartMoneyKumo is a market intelligence and educational analysis platform. The public website does not custody funds and does not execute trades.
2. Educational and Research Use Only
The Service is provided for educational and research purposes only. All content — including market structure analysis, Wyckoff phases, Ichimoku readings, TV-C scores, AI-generated narratives, and any associated commentary — is informational.
Not financial advice. Nothing on the Service constitutes financial, investment, tax, legal, or trading advice, an offer to buy or sell any security or digital asset, or a personalized recommendation.
No guaranteed profits. No analysis, signal, score, or narrative produced by the Service guarantees a profit, a successful outcome, or any specific result.
3. User Responsibility
User responsibility. You are solely responsible for your own trading and investment decisions, including position sizing, risk management, tax reporting, and compliance with the laws of your jurisdiction. You should consult a licensed professional before acting on any information you obtain from the Service.
You acknowledge that trading carries substantial risk of loss and that you may lose more than you initially commit.
4. No Brokerage, Custody, or Execution
SmartMoneyKumo is not a broker, exchange, custodian, or investment adviser. The Service does not custody funds and does not execute trades on your behalf through the public website. We do not request exchange API keys via the public homepage.
5. Account Access
Certain features of the Service may be made available only to approved users in a gated, beta, or invite-only capacity. We may grant, restrict, suspend, or revoke access at our discretion, including to enforce these Terms or to protect platform integrity.
6. Acceptable Use
You agree not to:
- abuse, harass, or interfere with other users, our staff, or our infrastructure;
- scrape, crawl, or systematically harvest data from the Service except as permitted by a written agreement;
- reverse engineer, decompile, or attempt to derive the source code of any non-open component of the Service;
- use the Service to facilitate illegal activity, market manipulation, fraud, or violations of applicable law or third-party terms;
- circumvent rate limits, access controls, or security mechanisms;
- resell, sublicense, or redistribute Service content without our prior written consent.
7. Intellectual Property
The SmartMoneyKumo name, logo, branding, methodology presentations, scoring framework, dashboards, written content, and user interface are protected by intellectual property and unfair-competition laws. You receive a limited, revocable, non-exclusive, non-transferable license to use the Service for personal, non-commercial research and education only. All other rights are reserved.
8. Third-Party Data and Services
The Service relies on third-party market data sources (for example, public exchange data, CoinGecko, and Yahoo Finance) and may rely on third-party infrastructure providers. These third parties operate independently of us and have their own terms and privacy policies.
You acknowledge that market data may be delayed, incomplete, or unavailable. We make no guarantee about the timeliness, accuracy, or completeness of any third-party data, and we are not liable for outages, errors, or omissions originating with such third parties.
9. Disclaimer of Warranties
The Service is provided on an "AS IS" and "AS AVAILABLE" basis. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation.
We do not warrant that signals, scores, analyses, or narratives are accurate, error-free, complete, or suitable for any particular trading or investment purpose.
10. Limitation of Liability
To the maximum extent permitted by law, SmartMoneyKumo, its operators, and contributors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or other intangible losses, arising out of or relating to your use of, or inability to use, the Service — even if advised of the possibility of such damages.
Where liability cannot be excluded, our aggregate liability for any claim relating to the Service is limited to the greater of (a) the amount you paid us for the Service in the twelve months preceding the claim, or (b) USD 100.
11. Changes to These Terms
We may update these Terms from time to time. The updated version will be posted at https://smartmoneykumo.com/terms.html with a new "Last updated" date. Continued use of the Service after changes are posted constitutes acceptance of the revised Terms.
12. Contact
Questions about these Terms can be sent through the contact form on the homepage. We do not publish a public inbox to limit phishing risk.
Beta access and support form: https://smartmoneykumo.com/#contact