SCROOGENIE

Terms of Service

Effective date: August 18, 2026

These Terms set out the conditions for using Scroogenie and the rights and responsibilities of the service and its users.

1. Purpose

  • These Terms govern the conditions and procedures for using Scroogenie (the “Company”) and the rights, obligations, and responsibilities of the Company and users.

2. Service

  • The Company provides corporate financial, price, and market information; intrinsic-value analysis; analysis history; portfolio and asset management; a stock lab; and related features.
  • The scope and interface of the Service may change due to operational, security, technical, or third-party data-provider circumstances.

3. Posting and Changes

  • The Company posts these Terms within the Service.
  • Changes are announced at least 7 days before they take effect. Material changes or changes unfavorable to users are announced at least 30 days in advance through the Service or individual notice.

4. Registration and Accounts

  • Users must provide accurate information and are responsible for maintaining their account credentials.
  • Using another person’s account, registering false information, or interfering with Service operations is prohibited.

5. User Responsibilities

  • Users must comply with applicable law and these Terms. Unauthorized copying, resale, bulk collection, or automated access to the Service or its data is prohibited.
  • Circumventing systems, reverse engineering, exploiting security vulnerabilities, compromising another person’s data or account, and disrupting normal Service operations are also prohibited.

6. Data and Analysis Results

  • Financial, price, disclosure, and market data may include public or third-party data and may be affected by corrections, delays, omissions, or changes in provider policies.
  • Intrinsic values, discounts, simulations, and analysis results are reference information based on the available data and models. The Company does not guarantee their accuracy, completeness, timeliness, or any particular outcome.

7. Investment Information Notice

  • Scroogenie does not provide security recommendations, individualized investment advice, brokerage, or guaranteed returns.
  • Users are solely responsible for investment decisions and resulting gains or losses, and should not make decisions based solely on analysis results. The Company does not cover investment losses or guarantee returns.

8. Analysis Engines and Records

  • The Company may improve models, data processing methods, and analysis engines.
  • Results for the same company or period may therefore differ from earlier records. Users should review the analysis date, data range, and applied engine together with each result.

9. User Data and Privacy

  • The Company processes portfolios, transaction records, watchlists, analysis history, and other information entered by users as needed to provide the Service.
  • Personal-information processing is governed by the separate Privacy Policy. The Company may use de-identified, aggregated statistics to improve the Service where permitted by law and the Privacy Policy.

10. Changes or Suspension of Service

  • The Company may modify or temporarily suspend all or part of the Service for operational, security, technical, or external data-provider reasons.
  • The Company will provide notice where practical. When advance notice is not feasible, such as for urgent security measures or a provider outage, notice may be provided afterward.

11. Restrictions and Account Deletion

  • If a user materially violates these Terms or applicable law, the Company may restrict use or terminate the agreement after prior notice. This does not apply where immediate action is required for security or legal reasons.
  • Users may request account deletion through the Service or customer support. Information subject to a legal retention obligation may be retained for the required period.

12. Paid Services

  • If paid features are introduced, the Company will clearly disclose pricing, duration, payment methods, cancellation rights, and refund standards before payment and in supplemental terms.
  • The Company will provide advance notice before converting a free feature to a paid feature.

13. Limitation of Liability

  • The Company is liable in accordance with applicable law for damage caused by its willful misconduct or gross negligence.
  • To the extent permitted by law, the Company may limit liability for damage arising from events beyond its reasonable control, including natural disasters, network failures, and third-party data interruptions or errors.

14. Disputes and Governing Law

  • Service-related questions or disputes may be submitted through customer support, and the Company and users will seek to resolve them in good faith.
  • These Terms are governed by the laws of the Republic of Korea. If a dispute cannot be resolved, the court with jurisdiction under the Korean Civil Procedure Act will have jurisdiction.