These Terms of Service ("Terms") govern your access to and use of Turning Tide(the "Service"), operated by Turning Tide ("we," "us," or "our"). By creating an account or using the Service you agree to these Terms. If you do not agree, do not use the Service.
References to "you" or "your" mean the individual accessing the Service.
The following terms have the meanings set out below whenever they appear in these Terms:
Turning Tide is a financial research and analytics platform. It gives you access to aggregated market data, screening tools, options flow summaries, short interest data, macroeconomic indicators, valuation models, and a strategy backtester.
The Service is informational only. Nothing on turningtide.io — including any data, chart, screen result, alert, AI-generated narrative, backtested result, or any other output — constitutes investment advice, a recommendation to buy or sell any security, an offer or solicitation to engage in any investment transaction, or a recommendation to follow any particular investment strategy. Turning Tide is not a registered investment adviser, broker-dealer, or financial planner, and does not act in a fiduciary capacity toward any user.
Past performance of any strategy, ticker, or indicator shown in the Service does not predict or guarantee future results. You are solely responsible for your own investment decisions and any losses that result from them.
We aggregate data from third-party sources and make no warranty that any data displayed is accurate, complete, timely, or free from errors. Always verify material information independently before acting on it.
Subject to your compliance with these Terms and (for paid features) your active Subscription, Turning Tide grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial investment research.
This license does not include the right to: (a) reproduce, distribute, or publicly display any Content; (b) create derivative works based on the Service or its Content; (c) sublicense, sell, or otherwise transfer access to the Service; or (d) use the Service to build any competing product or service. All rights not expressly granted here are reserved by Turning Tide.
You must be at least 18 years old to use the Service. By accepting these Terms you represent that you meet this requirement and that you have the legal capacity to enter a binding agreement.
The Service is available to individuals only. Institutional or commercial redistribution of data requires a separate written agreement withTurning Tide.
Account creation and authentication are handled by Clerk, Inc. You are responsible for maintaining the security of your credentials and for all activity that occurs under your account. Notify us immediately at hello@turningtide.io if you suspect unauthorized access.
We reserve the right to suspend or terminate accounts that violate these Terms, that we reasonably believe are being used to scrape or redistribute data, or that create legal or security risk for us or other users.
Turning Tide offers a Free tier and three paid Subscription plans:
All payments are processed by Stripe, Inc. By subscribing you authorize us to charge your payment method on a recurring basis at the rate applicable to your selected plan. Prices are listed in USD and exclude applicable taxes. Subscriptions renew automatically at the end of each billing period unless you cancel before the renewal date.
Cancellation. You may cancel your Subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period; you retain access to paid features through that date. We do not issue prorated refunds for the remaining portion of a cancelled monthly period.
Refunds. All Subscription payments — monthly and annual — are non-refundable, including for partially used billing periods. Because the Free tier lets you evaluate the Service at no cost before you pay, we do not provide refunds once a paid billing period has begun. This does not limit any non-waivable refund or withdrawal right you may have under the mandatory consumer-protection law of your jurisdiction (for example, the statutory withdrawal right available to certain consumers in the EEA or UK). Where such a right applies, contact us at hello@turningtide.io with your account email and we will honor it.
Price changes. We may change Subscription prices at any time. We will provide at least 30 days' written notice before a price increase takes effect for existing subscribers.
Failed payments. If a charge fails, we may retry the payment and/or downgrade or suspend your account until payment is resolved.
Free tier. The Free tier is provided at no charge and may be modified, restricted, or discontinued at any time without notice or liability.
You agree not to:
We may monitor usage patterns to detect abuse and enforce these restrictions. Violations may result in immediate account termination without refund.
The Service — including its interface, codebase, brand assets, and proprietary analytical models — is owned by Turning Tide and protected by applicable intellectual property law. These Terms do not transfer any ownership interest to you.
Market data displayed in the Service is aggregated from third-party sources and may be subject to those sources' own licensing terms. You may use data outputs for your personal investment research. You may not republish, sell, or incorporate them into any commercial product.
User Content remains yours. You grant us a limited license to store, process, and display that User Content solely to provide the Service to you. We do not use your User Content to train AI models or for any purpose beyond operating the Service.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR ACCURACY OF DATA.
We do not warrant that the Service will be uninterrupted, error-free, or free from data gaps or delays. Market data is delivered with varying latency depending on source and plan tier.
BACKTESTED AND SIMULATED STRATEGY RESULTS SHOWN IN THE SERVICE ARE HYPOTHETICAL. They do not represent actual trading results and do not account for slippage, commissions, liquidity constraints, or the psychological factors that affect real trading. Hypothetical results have inherent limitations and may differ substantially from actual results.
AI-GENERATED CONTENT (including pre-market briefs, analytical narratives, and any summary text) is generated by automated systems and may contain errors, omissions, or outdated information. Do not rely on AI-generated content as a sole basis for any investment decision.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TURNING TIDE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOST PROFITS, LOST DATA, OR INVESTMENT LOSSES — ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING UNDER THESE TERMS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) USD $100.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions our liability is limited to the fullest extent permitted by law.
You agree to indemnify, defend, and hold harmless Turning Tide and its officers, directors, employees, and agents from any claim, liability, loss, damage, or expense (including reasonable attorneys' fees) arising from: (a) your use of the Service; (b) your violation of these Terms; or (c) your violation of any third party's rights.
Either party may terminate these Terms at any time. You may close your account from your account settings at any time; no further charges will be made after your current billing period ends. We may suspend or terminate your access immediately if you violate these Terms, if we reasonably suspect fraud or abuse, or if we discontinue the Service.
On termination, your right to access the Service ends and we may delete your User Content after a 30-day grace period. Sections covering definitions, intellectual property, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution survive termination.
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles.
Any dispute arising from these Terms or your use of the Service that cannot be resolved informally shall be submitted to binding arbitration under the rules of the American Arbitration Association, conducted in English and seated in Delaware. Each party bears its own attorneys' fees unless the arbitrator awards otherwise. Class actions and class arbitrations are waived to the extent permitted by law.
Before initiating arbitration, you agree to contact us at hello@turningtide.io and give us 30 days to resolve the dispute informally.
We may update these Terms from time to time. When we make material changes we will update the effective date above and, where reasonably practicable, notify you by email or in-app notice at least 14 days before changes take effect for existing users. Continued use of the Service after the updated Terms take effect constitutes your acceptance of the revised Terms.
If any provision of these Terms is found unenforceable by a court of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.
These Terms, together with our Privacy Policy and any order forms or Subscription confirmations, constitute the entire agreement between you andTurning Tide regarding the Service and supersede all prior agreements, representations, and understandings. No waiver of any provision of these Terms will be effective unless in writing and signed by Turning Tide.
Questions about these Terms? Reach us at hello@turningtide.io. A postal mailing address is available on request by email.