Terms of Service.

By creating a Pocketwatch account, installing the agent into a chat, or otherwise using the service (collectively, the "Service"), you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

We may update these Terms. When we make material changes, we will post the new version here and email active users at least 14 days before they take effect. Continuing to use the Service after that date means you accept the new Terms.

• You must be at least 18 years old.
• You must have the legal capacity to enter into a binding contract in your jurisdiction.
• You must not be barred from receiving the Service under US law (e.g. on a sanctions list).
• If you use the Service on behalf of an entity, you represent that you have authority to bind that entity to these Terms.

You're responsible for safeguarding your account credentials and for all activity that happens through your account. Notify us immediately at fiankobuckle@gmail.com if you suspect unauthorized access. You agree to provide accurate information at sign-up and to keep it current.

One human, one account. No bots, no shared logins, no resale of accounts.

Pocketwatch connects to brokerage accounts you authorize, computes profit-and-loss across your positions, and posts activity cards and a leaderboard to group chats where you install the agent. We currently support Robinhood and Coinbase; additional institutions may be added or removed at our discretion.

The Service is offered on a best-effort basis. Features may be added, changed, or removed. Brokerage availability depends on third-party APIs we do not control and may be intermittent.

We use Plaid Inc. to connect to your brokerage accounts. By linking an account, you also agree to Plaid's end-user terms and privacy policy. You authorize Pocketwatch and Plaid to access your brokerage data on a read-only basis, including balances, holdings, and transactions, for the purposes described in our Privacy Policy.

• We do not have, and cannot obtain, the authority to place trades or move money on your behalf.
• You may revoke connections at any time inside Pocketwatch and at my.plaid.com.
• Your underlying relationship with Robinhood, Coinbase, or any other brokerage is governed by their own agreements. Pocketwatch is not a broker-dealer, custodian, or investment adviser.

You agree not to:

• Connect an account that you do not legally own and have authority over.
• Misrepresent your identity, your PnL, or another user's PnL.
• Use the Service to harass, dox, threaten, or defame anyone.
• Reverse engineer, decompile, scrape, rate-limit-evade, or otherwise abuse our systems.
• Use the Service to compete with us or to build a competing product.
• Introduce malware or attempt to gain unauthorized access to any account or system.
• Use the Service in violation of applicable law, including securities, sanctions, AML, and tax laws.

We may suspend or terminate accounts that violate this section, with or without notice.

You retain ownership of the content you submit to the Service — usernames, avatars, captions on shared cards, and chat messages directed at the agent (collectively, "Your Content"). You grant Couthless a worldwide, non-exclusive, royalty-free license to host, store, transmit, display, and adapt Your Content solely as necessary to operate and improve the Service.

You are responsible for Your Content. You represent that you have all rights necessary to grant the license above and that Your Content does not violate these Terms or any law.

The Service is currently free to use during private beta. We may introduce paid plans in the future. If we do, we will give you at least 30 days' notice and you will have the chance to accept the new terms or stop using paid features. Any fees we collect are non-refundable except where required by law.

The Service, including the Pocketwatch name, logo, designs, software, and underlying technology, is owned by Couthless Inc. and its licensors and is protected by intellectual-property laws. We grant you a personal, non-transferable, revocable license to use the Service in accordance with these Terms. That's the only license. No trademark or other rights are granted by implication.

Feedback you send us about the Service is non-confidential, and we may use it without obligation to you.

Pocketwatch is not a broker-dealer, investment adviser, tax advisor, or financial planner. The information we display — including PnL figures, charts, and leaderboards — is for informational and entertainment purposes only. It is not a recommendation to buy, sell, or hold any security or asset.

Cost basis and PnL calculations are derived from data we receive from third parties and may be incomplete, delayed, or wrong. Always confirm against your brokerage of record before making any decision. Investing involves risk, including loss of principal. Past performance does not predict future results. Your friends are not financial professionals (presumably).

The service is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation. Couthless does not warrant that PnL figures are correct, that the service will be error-free, or that data from third parties (including Plaid and your brokerages) is accurate or timely.

To the maximum extent permitted by law, Couthless and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost data, lost trading opportunities, or reputational harm, arising out of or related to the service. Couthless's total aggregate liability for all claims arising out of or related to the service will not exceed the greater of (a) the amounts you paid us in the twelve months preceding the claim, or (b) one hundred US dollars ($100).

Some jurisdictions do not allow these limitations; in those places, the limitations apply to the maximum extent permitted.

You agree to defend, indemnify, and hold harmless Couthless and its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) Your Content, (c) your violation of these Terms, or (d) your violation of any law or third-party right.

• You may stop using the Service and delete your account at any time from Settings → Account.
• We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice — though we will give notice when reasonably possible.
• On termination, your license to use the Service ends. Sections that by their nature should survive (IP, disclaimers, liability, indemnity, disputes, general) will survive termination.
• We follow the deletion timelines in our Privacy Policy after account closure.

Please read this section carefully. It affects your legal rights, including your right to sue in court and participate in a class action.

Informal resolution first

Before filing a claim, you and Couthless agree to try to resolve the dispute informally for at least 60 days by emailing fiankobuckle@gmail.com with a description of the claim and the relief you want.

Binding arbitration

If we can't resolve the dispute, you and Couthless agree to resolve any dispute arising out of or related to these Terms or the Service through binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, in San Francisco, California, in English. The arbitrator decides all issues, including arbitrability. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action waiver

You and Couthless agree to bring claims only in an individual capacity, not as a plaintiff or class member in any class, collective, or representative action. The arbitrator may not consolidate claims or preside over a class.

Exceptions

• Either party may bring an individual action in small-claims court.
• Either party may seek injunctive relief in court for IP or unauthorized-access claims.

30-day opt-out

You can opt out of this arbitration agreement by emailing fiankobuckle@gmail.com within 30 days of first accepting these Terms with the subject line "Arbitration Opt-Out" and your account email. If you opt out, neither you nor Couthless is bound by the arbitration or class-waiver provisions, and disputes will be resolved in the courts identified in §16.

Governing law

These Terms are governed by the laws of the State of California, excluding its conflict-of-laws rules. The federal arbitration act governs §15.

Venue

For claims not subject to §15, the state and federal courts in San Francisco, California have exclusive jurisdiction.

Assignment

You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets.

Severability

If any provision is held unenforceable, the rest remains in effect.

No waiver

Our failure to enforce a provision is not a waiver of that provision.

Force majeure

Neither party is liable for failures caused by events outside reasonable control (natural disasters, internet outages, third-party API failures, etc.).

Entire agreement

These Terms and our Privacy Policy are the entire agreement between you and Couthless regarding the Service.

Legal & disputes

fiankobuckle@gmail.com

Privacy

fiankobuckle@gmail.com

Security disclosures

fiankobuckle@gmail.com

General

fiankobuckle@gmail.com

Mailing address

Couthless Inc., 2634 Weddington Place, Marietta, GA 30068