1. Who You Are Contracting With

InvestJournal is owned and operated by François Fournier, a sole proprietor established in the Province of Québec, Canada ("we", "us", "our"). InvestJournal is a trading name of that business. You can reach us at contact@investjournal.io.

2. Acceptance of These Terms

By creating an account or using InvestJournal (the "Service"), you agree to these Terms of Service and to our Financial Disclaimer and Privacy Policy, which are incorporated by reference. If you do not agree, do not create an account or use the Service.

3. The Service Is Informational Only

InvestJournal is a stock-research and portfolio-tracking tool provided for informational and educational purposes only. It does not constitute financial, investment, legal, accounting, or tax advice, and it does not take into account your personal financial situation, objectives, or risk tolerance.

4. No Recommendations and No Regulatory Registration

InvestJournal is not registered with the Autorité des marchés financiers (AMF) or any other securities regulatory authority, and is not your broker, dealer, adviser, or fiduciary. Nothing in the Service is a recommendation or solicitation to buy, sell, or hold any security or financial instrument. You are solely responsible for your own investment decisions and should consult a qualified, AMF-registered professional before acting.

5. AI-Generated Content

Some analysis, summaries, and commentary in the Service are generated automatically by artificial intelligence. This content is produced without review by a licensed financial professional, may be inaccurate or incomplete, and must not be relied upon as advice.

6. Third-Party Data

Financial data, ratios, prices, and valuations are sourced from third-party providers and may contain errors, omissions, or delays. We do not guarantee the accuracy, completeness, or timeliness of any information in the Service.

7. Your Account

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate information and to use the Service only for lawful purposes.

8. Limitation of Liability

To the fullest extent permitted by applicable law, InvestJournal and its developers shall not be liable for any errors or omissions, or for any loss or damage arising from your use of, or reliance on, the Service. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under the Civil Code of Québec or other applicable law, including liability for gross or intentional fault or for bodily or moral injury.

9. Changes

We may modify the Service or these Terms at any time. Material changes to these Terms will be reflected by an updated version, and continued use of the Service after such changes constitutes acceptance. We may suspend or discontinue the Service, in whole or in part, at any time.

10. Governing Law

These Terms are governed by the laws of the Province of Québec and the federal laws of Canada applicable therein. Any dispute is subject to the exclusive jurisdiction of the courts of the Province of Québec.

11. Contact

For any questions about these Terms, contact François Fournier at contact@investjournal.io, or through the InvestJournal application.