Terms of Service

Last updated: September 20, 2026

Main Street Terminal (the "Service") is operated by Precision Decision LLC ("we", "us", "our"). These Terms of Service (the "Terms") are a binding agreement between you and Precision Decision LLC. By creating an account, signing in, subscribing, purchasing lifetime access, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

Your agreement is the act itself — creating an account, signing in, or starting a purchase. We also keep a record of it: each time you sign in, and when a purchase is prepared in the Service (before the store completes it), we log that your account accepted the version of the Terms then in force. That record is our evidence of your agreement; if for any reason it is not written, your agreement is not affected and neither is your purchase.

Please read Section 15 (Dispute Resolution). It requires individual arbitration of most disputes and waives class actions, with a 30-day opt-out.

1. Eligibility

You must be at least 18 years old, or the age of majority where you live if that is higher, to use the Service. By using the Service you represent that you meet this requirement and that you are legally able to enter into these Terms.

2. What the Service Is

Main Street Terminal is a research and decision-support tool for equity options around earnings and other public events. It provides scan engines, event calendars, earnings workflows, option chains, charts, watchlists, alerts, decision briefs, comparison tools and related information.

The Service is not a broker-dealer, investment adviser, exchange, clearing firm, custodian, bank or money transmitter. It does not place, route or execute orders, hold funds or securities, manage accounts, or give you personalized investment advice.

3. Risk Disclosure — Read Carefully

Options trading involves substantial risk and is not suitable for every investor. You can lose the entire amount you pay for an option, and certain option strategies can lose more than the amount invested. Prices around earnings and other events can move sharply, gap, or become illiquid; implied volatility can collapse after an event even when the price moves in the expected direction.

Nothing in the Service is a prediction, a signal, a recommendation, or a promise of any outcome. Engine outputs, scores, rankings, candidate contracts, "expected move" figures, scenario descriptions, trigger and invalidation levels, briefs and any similar material are analytical descriptions produced by software from third-party data. They describe conditions; they do not tell you what will happen or what you should do. Past results, whether shown in the Service or anywhere else, do not indicate future results.

You are solely responsible for every trading and investment decision you make, including deciding whether any information from the Service is accurate, current, complete or suitable for your objectives, financial situation, experience and risk tolerance. Before acting on anything, verify it independently and consider consulting a licensed professional. Before trading options you should read the Options Clearing Corporation's Characteristics and Risks of Standardized Options.

4. No Investment, Legal, Tax or Accounting Advice

We do not provide investment, legal, tax or accounting advice, portfolio management, position-sizing guidance or securities recommendations, and nothing in the Service should be read that way. We are not registered as an investment adviser or broker-dealer with the SEC, FINRA or any state regulator, and we do not know your individual circumstances.

5. Accounts and Security

Some features require an account. You agree to give accurate information, keep your sign-in method and devices secure, and tell us promptly at the contact below if you believe your account has been compromised. You are responsible for activity under your account. You may not share access, impersonate anyone, use another person's account, or attempt to bypass sign-in, entitlement or access controls.

Account deletion is available from the Account page and is described in our Privacy Policy.

6. Membership, Billing, Renewal and Cancellation

The Service is a paid product. Access is sold as a recurring membership (monthly or annual) or as a one-time lifetime access purchase. What each level includes is shown in the Service at the time of purchase and may change prospectively. Creating an account does not by itself grant access to the Service's tools.

Where you buy through the Apple App Store, Google Play or another store or payment provider, that provider's terms govern the price, taxes, billing, renewal, cancellation and refunds of your purchase, and your payment information is handled by that provider, not by us. In particular:

• Recurring memberships renew automatically at the end of each billing period until cancelled. You can cancel at any time through the store or provider where you subscribed; cancellation takes effect at the end of the current paid period, and periods already billed are not refunded except where the provider's policy or applicable law requires.
• Lifetime access is a one-time purchase for the lifetime of the Service as offered by us. It is not transferable and, except as required by law or the provider's policy, is not refundable once delivered. "Lifetime" refers to the life of the Service, not yours; see Section 12 on changes and discontinuation.
• Deleting your account does not cancel a store subscription; cancel it with the store first.

Paid access buys access to the Service. It does not buy any result, return, data accuracy, uptime or the availability of any market opportunity. We may correct, revoke, expire or adjust entitlements to address billing errors, refunds, chargebacks, fraud or misuse.

7. Market Data and Third-Party Sources

The Service displays and processes data from third parties, including options market data, quotes and related feeds from our licensed market-data vendor; public filings and company facts from the U.S. Securities and Exchange Commission (EDGAR); study records from ClinicalTrials.gov; advisory-committee calendars from the U.S. Food and Drug Administration; release calendars from the Bureau of Labor Statistics and the Bureau of Economic Analysis; calendars and rates from the Federal Reserve and the Federal Reserve Bank of New York; Treasury auction and other government feeds; and charting software from TradingView (Lightweight Charts™, Apache 2.0).

None of these organizations is affiliated with, sponsors or endorses the Service or Precision Decision LLC. Data may be delayed, incomplete, unavailable, stale, estimated, revised or wrong; official records are corrected, postponed and withdrawn by their sources. Where the Service labels something as estimated, anticipated or unverified, treat it that way. Registry milestones such as an "estimated primary completion" are a sponsor's anticipated schedule, not an announcement date. You may not redistribute third-party data obtained through the Service.

8. Acceptable Use

You agree to use the Service lawfully and only for your own personal or internal business research. You may not:

• copy, scrape, harvest, resell, redistribute, publish or commercially exploit the Service, its data or its outputs;
• reverse engineer, decompile or attempt to extract the source code, models or engine logic of the Service;
• bypass or probe security, authentication, entitlement, rate-limit or access controls, or access accounts, systems or providers without authorization;
• overload, disrupt or interfere with the Service or its providers, or use automated means to access it except through interfaces we publish for that purpose;
• present the Service's outputs as personalized advice, guaranteed results or a solicitation to anyone else;
• use the Service for any unlawful, deceptive, manipulative or harmful purpose, including market manipulation.

9. Intellectual Property

The Service — its software, engines, interface, design, text, branding, analytics and related materials — is owned by Precision Decision LLC or its licensors and is protected by intellectual-property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for its intended purpose under these Terms. No other rights are granted. "Main Street Terminal" and associated marks are marks of Precision Decision LLC.

10. Feedback and Submissions

If you send us feedback, suggestions, bug reports, support messages or other content, you confirm you have the right to do so and you grant us a perpetual, royalty-free license to use, store and act on it to operate, support and improve the Service. Do not send confidential information or personal information that is not needed for your request.

11. Availability

We aim for the Service to be available but do not promise it will be. It may be interrupted or unavailable because of maintenance, provider outages, data-source changes, security events, technical failures or other causes, and we may modify, limit or remove features at any time.

12. Changes to the Service and to These Terms

We may change the Service, its features, plans and prices prospectively. We may also update these Terms. When we do, we will post the updated Terms in the Service with a new "Last updated" date and, for material changes affecting paid members, give notice in the Service or by email before they take effect. Your continued use after the effective date means you accept the updated Terms. If you do not accept them, stop using the Service and cancel any membership.

If we discontinue the Service, we will give reasonable notice where practical. Lifetime access ends when the Service ends.

13. Termination

We may suspend or terminate your access if you breach these Terms, misuse the Service, create legal, security or operational risk, or if a store or payment provider reverses your purchase. You may stop using the Service at any time and delete your account from the Account page. Sections that by their nature should survive (including 3, 4, 7, 9, 14, 15, 16 and 17) survive termination.

14. Disclaimer of Warranties

THE SERVICE AND EVERYTHING IN IT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, TIMELINESS, COMPLETENESS OR UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT ANY OUTPUT IS CORRECT OR THAT ANY TRADE BASED ON IT WILL BE PROFITABLE OR AVOID LOSS. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

15. Dispute Resolution — Arbitration and Class-Action Waiver

Informal resolution first. If you have a dispute with us, contact us at the address in Section 19 with a description of the problem and what you would like done. We will try to resolve it within 60 days. Most concerns can be settled this way.

Binding arbitration. If we cannot resolve a dispute informally, you and Precision Decision LLC agree that any dispute, claim or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court if it qualifies, and either party may seek injunctive relief in court for infringement or misuse of intellectual property. The Federal Arbitration Act governs this section. The arbitrator's award is final and may be entered in any court with jurisdiction. Arbitration may be conducted by video, telephone or written submissions, and any in-person hearing will take place in a location reasonably convenient to you within the United States.

Class-action waiver. YOU AND PRECISION DECISION LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims of more than one person. If this waiver is found unenforceable for a particular claim, that claim must be brought in court and this arbitration section will not apply to it.

Opt-out. You may opt out of this arbitration agreement by sending written notice to the contact address in Section 19 within 30 days after you first accept these Terms, stating your name, the email on your account and that you opt out of arbitration. Opting out does not affect any other part of these Terms.

Time limit. Any claim must be brought within one year after it arises, or it is permanently barred, to the extent the law allows.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, PRECISION DECISION LLC AND ITS MEMBERS, OFFICERS, CONTRACTORS, LICENSORS AND DATA PROVIDERS WILL NOT BE LIABLE FOR ANY TRADING OR INVESTMENT LOSSES, LOST PROFITS, LOST OPPORTUNITIES, DATA ERRORS OR OMISSIONS, SERVICE INTERRUPTIONS, OR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, ARISING OUT OF OR RELATING TO THE SERVICE, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE OR ONE HUNDRED U.S. DOLLARS (US$100). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

17. Indemnification

You agree to defend, indemnify and hold harmless Precision Decision LLC and its members, officers, contractors and licensors from any claims, losses, liabilities, damages and expenses (including reasonable attorneys' fees) arising out of your use of the Service, your trading or investment activity, your breach of these Terms, or your violation of any law or third-party right.

18. Governing Law, Electronic Communications and General Terms

These Terms are governed by the laws of the state in which Precision Decision LLC is organized and by applicable U.S. federal law, without regard to conflict-of-law rules; any court proceeding permitted by Section 15 will take place in the state and federal courts of that state, and you consent to their jurisdiction. You agree that we may communicate with you electronically, including by email and notices in the Service, and that electronic notices satisfy any legal requirement that a communication be in writing. These Terms and the Privacy Policy are the entire agreement between you and us about the Service. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor. The Service is intended for users in the United States; you are responsible for compliance with local laws elsewhere.

19. Contact

Precision Decision LLC · [email protected]. Support is also available from the Account page in the Service.