Terms of Service

Effective date: October 21, 2026  ·  Beta version — subject to revision before public launch

1. Who We Are

Koinlux is a financial research platform that analyzes company insider buying activity alongside other public market information and uses the proprietary Koinlux Rating to organize that information into research grades and supporting context. Koinlux is an informational research tool only — not investment advice or recommendations. The Koinlux Rating (A+, A, B) is a proprietary, model-generated research label — not a buy, sell, hold, or other transaction recommendation.

Koinlux is intended to operate as a publisher of general, impersonal financial research under the publisher's exclusion in Section 202(a)(11)(D) of the Investment Advisers Act of 1940, which excludes the publisher of bona fide newspapers, news magazines, or business or financial publications of general and regular circulation from the definition of investment adviser. Koinlux does not provide advice based on any user's financial situation, objectives, risk tolerance, portfolio, holdings, investment horizon, tax status, or personal circumstances. Koinlux's proprietary ratings, signal logic, and research content are general and impersonal. User-selected watchlists, filters, or alert preferences may change which content is displayed or delivered to a user, but they do not cause Koinlux to evaluate the suitability, appropriateness, or advisability of any security, transaction, strategy, or course of action for that user.

2. Acceptance of Terms

By accessing Koinlux, submitting a beta application, creating an account, viewing beta content, or using any Koinlux service, you agree to these Terms of Service. If you do not agree, do not use the platform.

3. Beta Program

Koinlux is currently in a closed beta phase covering the Insider Signals product. The beta is expected to last approximately 30 days; Koinlux may shorten or extend it. Beta access is provided free of charge, without a credit card requirement and without creating any paid subscriber relationship. By participating, you acknowledge and agree to the following:

• The platform is provided as-is and as-available, without warranty of any kind.
• The platform may contain bugs, errors, delays, outages, incorrect calculations, missing signals, incomplete data, or inaccurate proprietary signal outputs.
• Features, data sources, proprietary ratings, thresholds, models, and functionality may change without notice during the beta period.
• To the maximum extent permitted by applicable law, Koinlux is not liable for any trading or investment decisions made based on beta-period content, beta-period alerts, or beta-period data.
• Beta access is limited to 100 active testers and is non-transferable.
• Koinlux reserves the right to revoke beta access at any time, for any reason, without notice.
• A beta account with no login for 7 consecutive days will lose its beta spot, which will be given to an applicant on the waitlist.
• Beta access does not convert to a paid subscription automatically. Koinlux may offer an optional paid Founding Member subscription only to beta participants who complete the beta testing period (remain active and meet the requirements in Section 4 through the end of the beta); any paid subscription requires a separate sign-up and is governed by the terms presented at that time.
• When the beta ends, participants who do not subscribe may continue with a free account offering limited access, subject to Koinlux's account policies.

After the beta, Free accounts will not receive a named open Insider Signal, its company-linked grade, or its open-signal research, alerts, summaries, or Watchlist. Free access is planned to include an aggregate open-signal count, the three most recently completed example signals, the public Signal Ledger of completed signals, selected aggregate Research, market context, and the Guide. The exact access shown at launch will be stated on the Pricing page; no open signal is tied to a company for Free.

4. Beta Participation Requirements

These are requirements for joining and staying in the beta. By accepting a beta invitation, you agree to the following; if you do not meet them, your beta access will end:

• Log in and use Koinlux at least once per week during the beta period. No login for 7 consecutive days ends your beta access (see Section 3).
• Join the private Koinlux Discord community when invited; it is where beta feedback and discussion take place.
• Share feedback at least once per week in the Koinlux Discord.
• Keep beta content confidential and not share access credentials, screenshots, signal data, proprietary ratings, narratives, dashboard views, or other non-public platform content with anyone except as expressly permitted in writing by Koinlux.
• Not scrape, crawl, harvest, bulk download, copy, reproduce, redistribute, resell, reverse engineer, or use automated scripts, bots, or similar tools to access Koinlux data, proprietary ratings, signals, narratives, or platform content.

5. No Investment Advice

Koinlux is a publisher of general, impersonal financial information, not a registered investment adviser, broker-dealer, financial planner, commodity trading adviser, tax adviser, legal adviser, portfolio manager, or trade execution platform. The Koinlux Rating is a proprietary research label based on publicly disclosed insider purchases and other research inputs. Market-environment readings are shown separately as context and do not currently affect the Rating. Nothing on this platform should be construed as a personalized recommendation to buy, sell, hold, or otherwise transact in any security.

You acknowledge that insider buying activity is one of many factors that may affect a stock's price, and that no signal, proprietary rating, alert, narrative, watchlist entry, insider sell alert, or model output guarantees any outcome. Investments involve risk, including the possible loss of principal.

Your use of Koinlux does not create an investment adviser-client relationship, fiduciary relationship, brokerage relationship, agency relationship, financial planning relationship, or any duty to monitor your portfolio, financial condition, or investment decisions.

6. Data and Delivery Limitations

Koinlux may rely on public and third-party data sources including SEC insider filings (Forms 3, 4 and 5), market data and trend analysis, and macroeconomic indicators. These sources can be delayed, incomplete, inaccurate, amended, corrected, stale, unavailable, or affected by ticker changes, issuer changes, source outages, filing amendments, disclosure delays, or vendor limitations. Alerts, emails, Discord and Telegram messages, dashboards, and other notifications may be delayed, fail to deliver, be filtered, or not reflect real-time market conditions. You should independently verify any information before relying on it.

Market-context readings and event dates, when available, come from Federal Reserve Board H.15 and H.10 releases, the Federal Reserve Bank of New York's Empire State Manufacturing Survey and Survey of Consumer Expectations, and Federal Reserve and U.S. Bureau of Labor Statistics schedules. The panel identifies the observation period and carries source notices. Market context is separate from the Rating. Price data used for signal outcomes requires separate licensed sourcing.

7. Eligibility

You must be at least 18 years of age and legally permitted to access financial research platforms in your jurisdiction to use Koinlux. By using the platform, you represent that you meet these requirements.

8. Data Collection and Use

When you join the waitlist, we collect your email address and a record of your consent. When you submit a beta application, we also collect your name and any information you provide in the application form (including Discord username, Twitter/X handle, and your responses to application questions). Account data includes your sign-in, plan and beta status, watchlist and alert settings, visit record, and any product-update requests. This information is used to review beta eligibility, communicate about Koinlux, operate the beta program, send product updates, improve the platform, prevent abuse, and maintain records related to beta participation.

Koinlux may use third-party service providers, including form, email, analytics, hosting, and community platforms, to collect, process, store, and communicate this information.

We do not sell your personal information. See the Privacy Policy for full details on data collection and use.

You can request deletion or delete your account from the Account page. When self-service deletion succeeds, it removes your account and linked beta application, subject to the limited suppression, provider-log, backup, and email-delivery retention described in the Privacy Policy. An application submitted under a different email address requires a separate request. Paid-account cancellation and any billing-record retention will be stated before paid subscriptions are offered.

9. Intellectual Property and Proprietary Methodology

Koinlux's proprietary ratings, algorithms, platform design, branding, narratives, selection, organization, scoring, presentation, compiled outputs, and derived research are the exclusive property of Koinlux or its licensors. Unauthorized reproduction, distribution, public display, or commercial use is prohibited. Underlying SEC insider filings (Forms 3, 4 and 5), market data and trend analysis, and macroeconomic indicators may be public or provided by third-party sources, but Koinlux's selection, organization, scoring, presentation, narratives, compiled outputs, and derived research are proprietary to Koinlux.

The Koinlux proprietary Rating method and related algorithms are confidential and proprietary to Koinlux to the maximum extent permitted by law. Users may not attempt to reverse engineer, derive, replicate, reconstruct, approximate, infer, extract, or otherwise reproduce that method by any means, including systematic observation of outputs, data mining, scraping, automated analysis, benchmarking, model training, or comparison against source data.

Users are granted a limited, personal, non-exclusive, non-transferable, revocable license to access and view Koinlux content for their own private research purposes only during authorized beta access. This license does not include the right to copy, redistribute, resell, sublicense, publicly display, publish, mirror, frame, create derivative databases from, or use Koinlux content to train, fine-tune, validate, or develop any artificial intelligence model, machine learning system, scoring system, research product, or competing product.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Koinlux and its owner(s), affiliates, service providers, and representatives shall not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages, including trading losses, market losses, lost profits, lost data, lost opportunities, missed alerts, data errors, delayed delivery, service outages, or losses arising from your use of the platform, any signal, proprietary rating, alert, narrative, model output, or any trading or investment decision you make.

Because beta access is provided free of charge, Koinlux's total aggregate liability arising out of or relating to the beta platform, beta content, beta alerts, or these Terms shall not exceed $0. If a court of competent jurisdiction determines that a monetary liability cap greater than $0 is legally required, the total aggregate cap shall be $100. Your sole remedy for dissatisfaction with the platform is to discontinue use.

11. Indemnification

You agree to indemnify and hold harmless Koinlux and its owner(s), affiliates, service providers, and representatives from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising from your misuse of the platform, violation of these Terms, violation of another person's rights, unauthorized sharing or redistribution of beta content, or any trading or investment decisions you make based on platform content.

12. Modifications

Koinlux reserves the right to modify these Terms at any time. Continued use of the platform after changes are posted constitutes acceptance of the revised Terms. We will notify beta users of material changes via email.

13. Governing Law and Venue

These Terms are governed by the laws of the State of Georgia, United States, without regard to conflict of law principles. Subject to applicable law, any dispute arising out of or relating to these Terms or your use of Koinlux shall be brought exclusively in the state or federal courts located in Georgia, and you consent to personal jurisdiction and venue in those courts.

14. Research Methodology and Rating Transparency

The Koinlux Rating (A+, A, B) is a proprietary, model-generated research label based on disclosed insider purchases and other research inputs. Market context is displayed separately and does not currently change a grade. Ratings reflect Koinlux's methodology, data availability, model assumptions, and historical research — they are not buy, sell, hold, or other transaction recommendations, and they are not suitability determinations for any individual investor.

The public Signal Ledger records each completed signal's measured stock-price change over its stated window; any SPY comparison is separate and labelled. These figures are not actual subscriber trading results and do not account for transaction costs, taxes, liquidity, slippage, subscription fees, or a subscriber's execution timing. Historical backtests are hypothetical; neither backtests nor measured Ledger outcomes guarantee future results.

15. Insider Sell Alerts and Watchlist

Insider sell alerts — notifications when an insider who made a graded buy later reports a sale of the same stock — are informational only. A reported sale does not establish why the insider sold. These alerts are not sell recommendations, risk-management instructions, or portfolio-management advice. Watchlist features are user-defined organizational tools that change display and delivery preferences only; they are not portfolio management, investment advice, suitability analysis, or monitoring of your holdings.

16. Congressional Trading Data

Koinlux does not currently include congressional trading disclosures. If Koinlux adds congressional or other public disclosure data in the future, that information will be presented for research purposes only, and its display will not imply wrongdoing, inside knowledge, illegal activity, unethical conduct, or any impropriety by any public official or other person.

17. AI-Generated Content

Koinlux signal narratives may be generated or assisted by artificial intelligence models. AI-generated content may contain errors, omissions, inaccuracies, or incomplete context. All AI-generated content is informational only and does not alter the impersonal, non-advisory nature of Koinlux content. No subscriber personal data is used as input to signal narrative generation.

18. User Feedback

Feedback, feature suggestions, survey responses, support messages, bug reports, and comments submitted through Koinlux or its affiliated Discord community may be used by Koinlux to improve the platform, develop features, refine copy, and operate the beta without compensation, attribution, ownership rights, or approval rights for the submitter.

19. Third-Party Services

Koinlux uses third-party service providers including Supabase, Resend, Cloudflare, Railway, Discord, and others to operate the platform. Koinlux does not control third-party platforms and is not responsible for their availability, outages, data practices, terms, errors, or policies. Signal delivery via email, Discord, Telegram, or other channels may be delayed, filtered, blocked, or unavailable due to factors outside Koinlux's control.

20. Product Changes

Koinlux reserves the right to change, rename, remove, delay, reprice, restrict, suspend, or discontinue any signal, proprietary rating, grade, product, delivery channel, dashboard feature, data source, model input, threshold, or platform functionality at any time without notice, especially during the beta period.

21. Planned Paid Subscriptions

No paid subscriptions or payment processing are offered during this beta. A paid subscription will require a separate sign-up, with the price, billing interval, renewal, cancellation and refund terms presented before payment is taken. Cancelling a future subscription will stop future renewals; the planned ordinary cancellation path keeps access through the paid period. Deleting a paid account will end account access and must cancel its subscription. These paid terms will be finalized before Stripe billing begins.

Options Flow and All Access are planned later products. Their features, availability and prices may change before they are offered. Beta access or an Insider Signals subscription does not itself include them.

22. Contact

Questions about these Terms? Email hello@koinlux.com.

This is a beta-period Terms of Service for closed beta access. A complete set of legal documents — Terms of Service, Privacy Policy, Financial Disclaimer, and Beta Tester Agreement — prepared for attorney review will replace or supplement this document before Koinlux's public launch.