Terms and Conditions

1. Use of the Service

Xiaoman provides AI-driven data analysis and decision-support tools intended to assist users in evaluating investment-related information. The service is provided for informational purposes only and does not constitute financial, legal, tax, or investment advice. You are solely responsible for any decisions made using information obtained through the service.

2. Eligibility

You must be of legal age and have the capacity to enter into a binding agreement in your jurisdiction to use this service. By using Xiaoman, you represent that you meet these requirements and that any information you provide is accurate and current.

3. Account Responsibilities

If an account is created to access certain features, you are responsible for maintaining the confidentiality of your login credentials and for all activity occurring under your account. Notify us promptly if you suspect unauthorized use of your account.

4. No Investment Advice

Nothing provided by Xiaoman, including analysis, reports, scores, or outputs generated by our tools, should be interpreted as a recommendation to buy, sell, or hold any financial instrument. All investment decisions carry risk, including potential loss of principal, and you should seek independent professional advice before acting on any information presented through the service.

5. Intellectual Property

All content, software, design elements, trademarks, and materials associated with Xiaoman are the property of Xiaoman or its licensors and are protected by applicable intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the service without prior written consent.

6. Acceptable Use

• Lawful use only. You agree not to use the service for any unlawful, fraudulent, or unauthorized purpose.
• No disruption. You may not attempt to interfere with, disable, or overburden the service's infrastructure or security features.
• No unauthorized access. Attempting to access accounts, systems, or data without authorization is strictly prohibited.
• No misrepresentation. You may not impersonate another person or misrepresent your affiliation with any entity.

7. Subscription and Payment

Where applicable, certain features of Xiaoman may require a paid subscription. Pricing, billing cycles, and cancellation terms will be presented at the point of purchase. We reserve the right to modify pricing with reasonable advance notice to existing subscribers.

8. Disclaimers

The service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not guarantee that the service will be uninterrupted, error-free, or that any analysis will be accurate or complete.

9. Limitation of Liability

To the fullest extent permitted by law, Xiaoman and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or investment losses, arising from your use of or inability to use the service, even if advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless Xiaoman, its officers, employees, and partners from any claims, damages, liabilities, and expenses arising out of your use of the service or violation of these Terms.

11. Termination

We reserve the right to suspend or terminate your access to the service at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users or the service itself.

12. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices or for legal, regulatory, or operational reasons. Updated versions will be posted on this page with a revised effective date. Continued use of the service after changes take effect constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Xiaoman operates, without regard to conflict of law principles. Specific jurisdictional details should be confirmed and inserted by legal counsel prior to publication.

14. Contact

If you have questions about these Terms, please reach out via the contact details provided on our Contact page.