Terms of Use & Legal Disclaimer

1. Not Investment Advice

NickFS (“the Site”) is an independent financial data and research utility operated for informational and educational purposes only. Nothing on this Site constitutes investment advice, a recommendation, or a solicitation to buy, sell, or hold any security, investment product, or asset of any kind. No content on this Site — including financial data, valuation models, AI-generated analysis, commentary, or any other material — should be construed as personalized investment advice or as an endorsement of any particular security, company, investment strategy, or course of action.

The information provided does not take into account your individual investment objectives, financial situation, risk tolerance, tax circumstances, or other personal needs. You should not make any investment decision based solely or primarily on content from this Site.

2. Not a Registered Adviser or Broker

NickFS is not a registered investment adviser under the Investment Advisers Act of 1940, not a broker-dealer registered with the U.S. Securities and Exchange Commission (“SEC”) or any state securities authority, and not a member of FINRA or any other self-regulatory organization. No principal or operator of this Site holds a Series 65, Series 7, or any other securities license in connection with the operation of this Site.

Use of this Site does not create any advisory, fiduciary, brokerage, or other professional relationship between you and NickFS.

3. AI-Generated Content

This Site uses artificial intelligence (Anthropic Claude) to generate analysis, summaries, and commentary about publicly traded companies. AI-generated content is produced automatically and has not been reviewed or verified by a licensed financial professional. It may contain errors, omissions, hallucinations, or outdated information.

AI-generated analysis is provided as a dynamic research utility only — it does not reflect the views of NickFS, does not constitute investment advice, and should not be relied upon for any investment decision. The AI system does not know your personal financial situation and cannot provide personalized advice.

4. Accuracy of Financial Data

Financial data displayed on this Site is sourced from third-party data providers (including ROIC.ai, Finnhub, and SEC EDGAR) and is provided “as is” without any warranty of accuracy, completeness, or timeliness. Data may be delayed, restated, estimated, or otherwise inaccurate.

NickFS makes no representations or warranties, express or implied, as to the accuracy, reliability, or completeness of any information on this Site. You should independently verify all financial data before relying on it for any purpose.

5. Past Performance

Any historical financial data, stock performance, or valuation metrics displayed on this Site are for informational reference only. Past performance is not indicative of future results. Valuation models and projections involve assumptions that may prove incorrect. No representation is made that any investment strategy will or is likely to achieve results similar to any historical data shown.

6. Limitation of Liability

To the fullest extent permitted by applicable law, NickFS and its operators shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, this Site or any content herein — including any investment losses or financial decisions made in reliance on content from this Site.

Your use of this Site is entirely at your own risk.

7. Consult a Professional

Before making any investment decision, you should consult a qualified, licensed financial professional — such as a registered investment adviser (RIA) or certified financial planner (CFP) — who can evaluate your individual circumstances and provide advice appropriate to your specific situation.

8. No Endorsement

References to any company, security, ETF, index, or other investment product on this Site do not constitute an endorsement, recommendation, or offer to buy or sell that security or product. Company names, ticker symbols, and logos are the property of their respective owners and are used for identification purposes only.

9. User Accounts

Account registration and authentication are handled by Clerk. By creating an account, you agree to Clerk’s Terms of Service and Privacy Policy. NickFS does not store passwords. Account data (email, name) is used solely to provide access to the Site’s features.

10. Changes to These Terms

These terms may be updated at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised terms. The effective date at the top of this page will reflect the most recent update.