Disclaimer & Regulatory Notice

01 — General

Position of this disclaimer

The provisions of this page apply, on a consolidated basis, to every website, broadcast, deliverable, and service operated by SG Group, whether free of charge or paid. Where an individual agreement exists for a specific service, that agreement prevails; matters that are not expressly overridden by such an agreement are supplemented by the provisions of this page.

Operator

SG Group is operated as a sole proprietorship. It is not incorporated. The expressions “the operator,” “this business,” and “SG Group” on this page all refer to the same operating entity.

Amendment

This disclaimer may be amended without prior notice in response to legislative change, modifications to the services, or other circumstances. Amendments take effect when posted to this page. Users are expected to confirm the most recent version on each occasion of use.

02 — Systems-engineering services

Notice regarding development engagements

In relation to the development engagements provided by the operator — the design, implementation, and maintenance of web applications, business systems, websites, and software components (“the development services”) — the scope of work, the allocation of responsibility, and the handling of deliverables are set out below. The purpose is to make the operator’s premises and the client’s expectations clear at the outset of any engagement.

Approach to specification

Development services proceed on the basis of a written specification. Feature additions, requirement changes, and scope expansions beyond what has been agreed in the specification are addressed under a separate quotation and supplementary agreement. Requests made verbally or through informal channels — including social messaging applications and chat — are treated as formal change requests only once they have been reduced to writing.

Use and operation of deliverables

Following acceptance and full payment, the use, operation, maintenance, revision, third-party distribution, commercial deployment, and other handling of the deliverable are, save as otherwise agreed, undertaken at the client’s responsibility. The host environment, operational policies, backup, security operations, access controls, and user training are matters for the client to establish; the operator does not bear direct responsibility for these.

Reliance on third-party libraries and external services

The construction or execution of a deliverable may rely on open-source libraries, commercial libraries, cloud services, external APIs, and other third-party offerings. Where the specifications, outages, discontinuation, licence changes, price revisions, or other circumstances of such third-party offerings affect the function or behaviour of the deliverable, the operator will endeavour to respond on a reasonable basis but bears no liability for damages arising from such effects.

No guarantee of outcome

The operator exercises ordinary care in carrying out the development services, but offers no guarantee that the client’s business or operational objectives — including increased sales, operational efficiency, cost reduction, user acquisition, or the attainment of specific performance characteristics — will be achieved through use of the deliverable.

Bug handling and maintenance

Post-delivery defect handling is performed without additional charge within the scope and period set out in the relevant individual contract. Matters falling outside the specification, events arising from environmental changes on the client side, the introduction of other systems, third-party modifications, or matters arising after the maintenance period has elapsed are addressed under a separate paid maintenance contract or individual quotation.

03 — Financial-analysis tools & market publications

Disclaimer for financial-analysis tools and market publications

The indicators, scripts, visual studies, Macro Research Workbench, FX/CFD calculators, Trade Cost Calculator, Financial Templates Hub, and other analytical-support tools provided by SG Group for TradingView, MetaTrader, and other charting or business platforms are software, templates, and operational-support tools for visualising, calculating, organising, recording, and exporting price, volume, volatility, market structure, public macro data, user-entered values, user settings, and similar information in the user’s own environment. The operator may provide technical or functional customisation of display items, formulas, template wording, export formats, UI, analytical-support functions, alert conditions, and similar features, provided that such customisation does not involve investment advice, trading suggestions, instrument recommendations, order execution, or asset management.

Non-advisory technical customisation

The operator may provide technical or functional customisation of financial templates, lot-size calculators, trade-cost calculators, macro-research tools, TradingView / MetaTrader-related tools, and other software based on user-supplied specifications, general formulas, display conditions, document structures, UI requirements, export formats, public-data import methods, code requirements, and similar technical inputs. Such customisation does not recommend, advise on, or optimise any trading, holding, entry, exit, profit-taking, stop-loss, instrument selection, portfolio allocation, or other investment decision by taking into account a particular user’s financial situation, investment objectives, risk tolerance, assets, positions, account status, trading experience, local regulation, or other individual circumstances.

What the tools do not provide

The tools and any related customisation do not provide individual or specific buy/sell instructions, automated trading, broker-API connectivity, order execution, asset management, discretionary investment management, brokerage, or consulting or advisory services on how to profit from trading or investing in financial instruments or crypto-assets. Even where mechanical display conditions, alert conditions, markers, colour coding, aggregates, scores, template outputs, or calculation results are shown, they are functional displays for the user’s own configuration or review and are not a trading recommendation or substitute for the user’s own investment decision.

Public and open-source policy for TradingView and similar tools

For TradingView indicators and similar tools, even where a user’s request triggers development, the operator’s operating policy is to make the resulting work available, where technically feasible and permitted by platform terms, as a public or open-source item that an unspecified number of users may view or add through the operator’s TradingView profile, public repository, public page, or similar channel. Such a request does not create exclusive trading advice, a private signal, an individual investment decision, or a dedicated regulated financial service for that user. Publication method, licence, maintenance, continued availability, and compatibility may change depending on platform terms, technical constraints, and the operator’s operational judgement.

Completely free public TradingView indicators

The TradingView indicators published by the operator are completely free public scripts for which the operator charges no usage fee and, subject to TradingView’s terms, are available for an unspecified number of persons to view, add, or use through the SG Group TradingView profile. Even where a user’s request triggers a feature addition, that user acquires no exclusive right, exclusive use, private delivery, dedicated maintenance, or right to demand future updates. The user bears any third-party cost for a TradingView account, plan, market data, communications, or similar service.

User responsibility

Users use the tools as one item of reference information, at their own responsibility; users are solely responsible for their own trading and investment decisions and for all profits, losses, costs, tax consequences, and other results arising from those decisions.

Macro research, calculators, templates, and free indicators

Macro Research Workbench, the FX & CFD Lot Size Calculator, the Trade Cost Calculator, Financial Templates Hub, TradingView Free Indicators, MetaTrader-related tools, and other financial tools are software or templates provided under standard specifications or non-advisory customisation for visualising public or user-entered data, producing estimates, assisting document drafting, and supporting chart display. They are not provided after reviewing the user’s country of residence, account type, broker terms, tax position, regulatory status, suitability, financial situation, or investment objectives.

• Macro-research displays mechanically organise public data such as COT, rates, real yields, EIA inventories, gold, and oil, or user-added local data; they are not market forecasts, trading decisions, or advice to hold any position.
• Calculations of lot size, margin, trade cost, break-even, swap, funding, and similar outputs are estimates based on user inputs and general formulas, and do not warrant or fully reflect the latest broker specifications, spreads, fees, taxes, slippage, rejected fills, stop-out rules, or price gaps in fast markets.
• Templates, QA checks, translations, and export outputs from Financial Templates Hub are drafting aids only and are not a substitute for review or advice by lawyers, tax advisers, accountants, financial-regulatory specialists, advertising-review personnel, or other professionals.
• TradingView Free Indicators and indicators developed in response to customer requests are, as a general operating policy, provided publicly or as open-source items; however, no warranty is given as to compatibility, continued availability, operation on any particular platform, future updates, or permanence of any particular licence condition.

Online delivery, updates, upgrades, and notice method

All or part of the financial tools, paid plans, calculators, templates, dashboards, storage or export functions, and other Services are provided online. With or without notice, the operator may maintain, update, upgrade, correct, replace, add, remove, suspend, or migrate functions, formulas, algorithms, data sources, displays, UI, storage methods, export formats, APIs, access conditions, plan content, usage limits, supported environments, security specifications, and any other aspect of the Services. Emergency maintenance, security response, incident recovery, third-party-service changes, or legal, platform, or payment-provider requirements may be implemented immediately without prior notice.

Where advance notice is given of an update, upgrade, planned maintenance, specification change, or similar matter, publication on the notice page is the formal method of notice. Publication on that page completes notice, and the operator has no duty to provide a separate email, telephone call, in-product notice, or other individual communication, unless mandatory law or an individual contract requires another method.

No warranty of accuracy, data sources, retention, or restoration

Every calculator, analytical tool, template, data import, translation, QA check, alert, score, graph, report, and generated document is an estimate or reference display based on inputs, general formulas, published materials, or third-party data. The operator does not warrant accuracy, completeness, currency, reproducibility, error-free operation, legal compliance, fitness for a particular purpose, conformity with professional standards, or agreement with actual trading or business results. Prices, rates, volume, interest rates, COT data, inventories, economic indicators, and other data may contain delay, omission, revision, restatement, rounding, unit, time-zone, currency-conversion, or provider differences. Material uses must be independently checked against source materials, brokers, exchanges, financial institutions, public authorities, and appropriately qualified professionals.

Even where storage, history, versioning, vault, sharing, download, or export functions are displayed, the Services are not a backup service, permanent archive, statutory book, regulatory recordkeeping system, audit trail, or disaster-recovery environment. Maintenance, updates, upgrades, data migration, incidents, suspension, cancellation, non-payment, account deletion, storage-limit overrun, or service termination may cause in-process, unsaved, or temporarily stored inputs, calculation results, generated documents, settings, history, share URLs, uploads, or other data to be lost, corrupted, overwritten, changed, or rendered unavailable. Users must regularly save, export, and back up all necessary data in their own controlled environment.

Business use, Financial Templates Hub, and third-party customers

Financial Templates Hub and other Services are also intended for use by financial-media operators, financial planners, IFAs, securities firms, banks, insurers, financial institutions, fintech businesses, and other businesses. The operator is not an adviser, fiduciary, agent, professional, or contracting party to any customer, prospect, counterparty, or principal of those businesses. The business user is solely responsible for customer explanations, suitability and appropriateness determinations, advertising and solicitation rules, internal approvals, professional review, statutory disclosures, record retention, data protection, KYC/AML, complaint handling, and verification of the final work product.

Even where a customer of a business user or another third party suffers investment loss, lost opportunity, tax, legal, or regulatory detriment, misstatement, inadequate explanation, data breach, or other damage, the operator, to the maximum extent lawfully permitted, does not accept a demand for damages, indemnification, refund, contribution, or other relief from that third party or the business user. Where such a third party brings a claim, investigation, dispute, regulatory response, cost, or legal fee against the operator, the business user shall indemnify, defend, and hold the operator harmless to the extent permitted by law, except to the extent exclusively caused by the operator’s wilful misconduct or gross negligence and indemnification cannot lawfully be required.

Paid plans, checkout consent, and subscription management

At a Stripe or other checkout designated by the operator, a purchase cannot be completed unless the user reviews the applicable conditions, Disclaimer, Privacy Policy, Notice under the Act on Specified Commercial Transactions, and the relevant plan’s price, automatic-renewal, refund, and cancellation terms and completes the prescribed affirmative consent action, such as checking the agreement box. The consent action, terms version, time, transaction identifier, customer identifier, selected plan, IP address, device or browser information, and other lawfully obtained records may be used as evidence of contract formation and the agreed terms. To the extent permitted by law, failure to open a link or read every provision is not a ground for denying the effectiveness of consent.

Through the Stripe customer portal, the user may, to the extent made available in the portal, change, adjust, and manage subscriptions, payment methods, billing information, plans, and cancellation at any time. Cancellation during a paid term stops a future renewal and does not result in a prorated refund, prorated adjustment, credit, set-off, or term extension. A plan change may constitute a new application and new payment for the destination plan; unless automatic termination of the former plan is expressly stated, the former plan must be cancelled separately. Renewal and duplicate charges caused by forgetting to cancel the former plan, misunderstanding the renewal date, failing to complete cancellation, using multiple accounts, or holding duplicate subscriptions are non-refundable. The user must confirm cancellation of the former plan when changing plans. This is subject to any refund required by mandatory law.

Editorial and sale model for electronic publications

The operator may issue daily publications concerning the U.S. equity market and other markets, thematic analytical and explanatory articles including global-macro reports, features, and electronic reports (collectively in this section, “Publications”). A daily Publication may comprise a public section organising the day’s market data, economic indicators, corporate disclosures, policy announcements, principal news, and other facts, together with a paid section explaining background, economic transmission channels, cross-asset relationships, historical comparisons, competing interpretations, uncertainty, and matters requiring further confirmation.

Common content and no personalisation

The same issue, language, and edition is fixed as one standardised body and supplied commonly to individual purchasers, Bundle purchasers, and subscribers with the same coverage. The body, conclusions, instruments, order of presentation, and explanatory content are not varied by purchase method, amount paid, subscription term, email address, location, device, reading history, or another customer attribute. A correction or update is likewise applied consistently to each access path for that edition.

Scope of paid explanatory content

The fact that content is paid does not mean that it is investment advice, a trading signal, or a future forecast. The value of a paid section or specialist analytical article lies in structuring public information, organising sources, explaining relationships among data, economic mechanisms, the reading of corporate disclosures, historical background, competing interpretations, potentially falsifying information, and uncertainty.

Separation of access authentication and editorial processing

A persistent member account may not be required to use a Publication. The operator may use an email address, transaction identifier, Checkout Session, purchased product, subscription status, session, device or browser information, one-time code, or two-factor-authentication result to determine automatically whether access arises from an Individual Purchase, Bundle, or subscription. Such information is used for entitlement, payment, security, misuse prevention, and necessary communications and is not used to generate a user-specific article, instrument, market view, or investment decision.

Back issues, corrections, and withdrawal

An issued Publication may remain available for later Individual Purchase or under a covered Publication Plan while the operator retains and publishes it and displays it on a product page or back-issue catalogue. Permanent sale, listing, retention, or indefinite access is not guaranteed. The operator may correct typographical matters, figures, sources, translations, or revised data and replace or update the same issue, and may restrict, suspend, or discontinue sale, publication, or access, with or without notice, for legal compliance, rights clearance, data licensing, a material error, a third-party claim, security, maintenance, or business judgement.

Automated processing and generation assistance

A Publication may be prepared using published materials, third-party data, market data, reporting, calculation software, automated translation, generative AI, or other generation-assistance technology. Automated checks may address calculations, sources, time, market calendars, duplication, and prohibited language, but no guarantee is given of complete accuracy, completeness, immediacy, error-free operation, or future outcome. Where a quality or compliance gate is not passed, the operator may publish only the public section and withhold the paid section or the entire issue.

04 — Physical-goods business

Notice regarding the physical-goods business

In relation to the operator’s physical-goods business, the operating policy, current registration status, and framework for returns and complaints are set out below. By using the physical-goods service, customers are taken to have agreed to the matters stated in this section. For the per-item sale terms, delivery times, displayed prices, delivery charges, and other matters required to be disclosed under the Act on Specified Commercial Transactions, please refer to the separately published “Notice under the Act on Specified Commercial Transactions.”

Statement on the Secondhand Goods Business licence

The operator does not, at present, hold a Secondhand Goods Dealer licence under Japan’s Secondhand Goods Business Act. As stated above, the goods handled by the operator are limited to new items; the operator does not undertake the repeated and continuous purchasing and resale of secondhand goods that would fall within the scope of the Act. Should the business be expanded in future to include the handling of secondhand goods, the operator will state so on this page only after obtaining the requisite licence.

Statement on qualified-invoice issuer registration

The operator is not, at present, registered as a qualified-invoice issuer (so-called “Invoice Issuer”) under Japan’s Consumption Tax Act. Accordingly, invoices and receipts issued by the operator do not carry a registration number (the 13-digit number prefixed with “T”), and are not eligible for the purchaser’s input-tax credit. The operator is a tax-exempt business whose taxable sales in the base period (the year before last) are JPY 10,000,000 or less, as set out in Article 9, Paragraph 1 of the Consumption Tax Act. Any consumption-tax equivalent reflected in the displayed price is incorporated on a tax-inclusive basis and is not remitted to the national treasury by the operator.

Payment processing

Credit-card settlement in the physical-goods business is processed through Stripe as the payment-service provider. Card numbers, expiry dates, and security codes are received and stored directly by Stripe and are not retained on the operator’s servers. For the detail of payment-related matters — including returns and refund processing, the bank account for remittance, and payment timing — please refer to the separately published “Notice under the Act on Specified Commercial Transactions” and to the relevant service pages (Merchandise / Systems Development / Financial-analysis tools, etc.).

Returns and exchange policy

Returns and exchanges are accepted only where the customer contacts the operator within seven days of delivery, with the goods unopened and unused, and where the case falls within the categories below.

• Clear initial defects (inoperability, damage, missing parts)
• Delivery of a product that differs from the product-page description
• Damage clearly sustained during transit (subject, where applicable, to investigation requests addressed to the carrier)

Returns and exchanges are declined, however, in the following cases.

• Returns for the customer’s own reasons (mismatched expectations, wrong size, no longer wanted, and similar)
• Goods that have been opened, used, processed, or modified
• Cases in which the outer box, accessories, tags, or similar items are missing or damaged
• Made-to-order or custom items, except in cases of defect or wrong dispatch
• Cases in which more than eight days have elapsed since receipt

Handling of complaints

Inquiries, complaints, and defect reports concerning goods are, to ensure accurate records and reliable follow-through, generally directed to the contact form or to the email channel. The operator may request cooperation in verifying the facts, providing photographs, or addressing investigation requests to the carrier. Urgent telephone enquiries are taken on a best-efforts basis during the response hours of weekdays 10:00 – 18:00 (JST). Public comments on social media or third-party platforms are not handled as a formal intake channel, as their nature makes reliable, traceable handling of individual cases impracticable.

Exclusions of liability

The operator bears no liability beyond what cannot lawfully be excluded for damages — to body, property, data, or foregone profit — sustained by the customer or any third party in connection with the use, storage, resale, transfer, or disposal of the goods. The intended use, method of use, and suitability of any item are matters for the customer to confirm by reference to the product specifications, instruction manuals, and statutory labelling, and to determine at their own judgement and responsibility.

05 — Marketing business

Notice regarding promotion and SNS-operation services

The operator offers SNS-operation services, content-production support, promotion design, and distribution support, centred on YouTube and other video platforms. These services are provided within the scope of production, operation, and proposal; they do not guarantee any specific outcome — including view counts, follower counts, revenue, or conversion.

No guarantee of outcome

Outcomes are affected by platform algorithms, user behaviour, competitive conditions, social context, terms-of-service amendments, and other variables. The operator exercises ordinary care in the design and operation of campaigns, but offers no guarantee as to the attainment of any specific numerical target, monetisation, growth in subscribers or followers, or increase in engagement.

Compliance with platform terms and applicable law

The operator does not accept assignments for content production or distribution that violate, or are likely to violate, the terms of service, community guidelines, or monetisation policies of any platform, nor those that violate the Act against Unjustifiable Premiums and Misleading Representations, the Act on Specified Commercial Transactions, the Unfair Competition Prevention Act, the Pharmaceutical and Medical Device Act, or other applicable laws. Should such a violation come to light after acceptance of an assignment, the operator may suspend or terminate the engagement, and bears no liability for the resulting loss.

Engagements that will be declined

The operator declines, as a general rule, any engagement falling within the categories below.

• Content involving false or exaggerated representations, claims of efficacy without an evidentiary basis, or undisclosed advertising (covert promotion)
• Artificial inflation of accounts, views, subscribers, likes, or comments — including purchased traffic, bot activity, and coerced reciprocal-follow schemes
• Use of material that infringes the copyright, trademark, image right, or other rights of a third party, or any participation in such infringement
• Defamation directed at a specific individual or organisation, discriminatory expression, or content that amounts to hate speech
• Content that misleads users into treating it as a substitute for medical treatment, or content otherwise problematic from a public-health perspective
• Multi-level marketing or pyramid schemes, unsubstantiated high-yield guarantees, or the promotion of exploitative info-product offerings
• Content contrary to public order or morality, content sexualising minors, or other content the operator deems inappropriate

Rights and material liability

Material supplied by the client — images, video, copy, audio, trademarks, likenesses, and so on — is treated as having been cleared by the client: necessary rights handling, talent consents, and licence confirmations are assumed to be complete on the client’s side. Claims, disputes, or damages arising from infringement of rights in such material remain the client’s responsibility, and the operator bears no liability for them.

05A — Web tools, landing-page audit & external marketplace

Disclaimers for browser tools, fixed-scope audit services, and external sales channels

The following statements apply to Free WebP Converter, Landing Page Audit / LP Copy-Paste Fix Pack, the operator’s storefront on CodeSter, and other web-tool or site-maintenance services.

Free WebP Converter

Image conversion is, as a general rule, performed in the user’s browser as a free tool. No warranty is given as to conversion quality, compression ratio, metadata retention, colour reproduction, display compatibility, or absence of file corruption. Users must keep backups of the original files at their own responsibility and warrant that they hold the copyright, image rights, trademark rights, and usage permissions required for the images being converted.

Landing Page Audit / LP Copy-Paste Fix Pack

The free audit is an automated check of a live public URL, and its results are mechanically generated reference values. The paid LP Copy-Paste Fix Pack is a fixed-scope product for one live public URL, delivered by email as a PDF and copy-paste-ready text containing up to five improvement items and draft copy for meta, OGP, first view, CTA, and similar elements. It does not include implementation, login work, CMS operation, CSS/JavaScript changes, form/booking/payment/membership-function changes, individual Q&A after delivery, advertising review, legal review, or any guarantee of conversion rate, revenue, search ranking, or ad-approval outcomes.

External marketplaces such as CodeSter

Purchases, settlement, downloads, licences, refunds, support, marketplace reviews, and dispute handling for scripts, plugins, templates, and digital assets listed on external marketplaces such as CodeSter are governed, as a general rule, by the terms and displayed conditions of the relevant external platform. After a user leaves the operator’s website for an external site, the operator does not warrant the operation, payment handling, display, availability, review process, or security of that platform.

06 — Affiliate & tie-up arrangements

Advertiser identification and disclosure of interests

Websites, videos, broadcasts, and SNS posts operated by, or involving, the operator may contain affiliate links, sponsored tie-ups, reviews of items supplied for that purpose, and content generating referral compensation. This section sets out the operator’s policy for the disclosure and liability handling of such content.

Identification as advertising

Content created in consideration of advertising fees, product supply, service supply, or other economic benefit is labelled within the content itself — using indicators such as “PR,” “Ad,” “Tie-up,” or “Supplied by …” — in accordance with the Act against Unjustifiable Premiums and Misleading Representations and the applicable platform guidelines. So-called covert marketing, in which the advertising character of the content is concealed, is not undertaken.

Affiliate compensation

Where a user purchases a product or service via an affiliate link, the operator may receive a referral fee from the partner programme in accordance with that programme’s terms. The operator handles such fees so that they do not influence the selection of products and services, the decision to introduce them, or the substance of the assessment offered; users are nevertheless asked not to treat such introductions as the sole basis for purchase, and to verify the specifications, prices, reviews, and contract terms on their own initiative.

Tie-up and PR engagements

In tie-up engagements, the operator may incorporate structural elements and key messages required under contract; the operator will not, however, accept clear falsehood, unsubstantiated claims of superiority, or expressions that infringe the rights of third parties. Responsibility for the products or services covered by a tie-up — including quality, safety, and contractual performance — lies, as a general rule, with the provider of those products or services; the operator does not stand in the position of guarantor.

Liability exclusion for third-party offerings

In relation to third-party products, services, and websites introduced via affiliate links, PR tie-ups, or reviews, the operator gives no warranty as to content, accuracy, safety, lawfulness, availability, or contract terms. Transactions, registrations, purchases, and contracts entered into via such destinations are concluded directly between the user and the relevant third party; the operator bears no liability for damages arising from those transactions.

07 — Content & intellectual property

Accuracy of information and handling of rights

Accuracy of information

Information published on the operator’s websites, broadcasts, deliverables, and SNS posts is prepared with reasonable care to be accurate as at the time of publication; the operator does not, however, warrant its completeness, currency, or fitness for a particular purpose. Use of the information is undertaken at the user’s own judgement and responsibility.

Copyright

Copyright and other intellectual-property rights in the text, images, diagrams, video, audio, source code, and any other content produced and published by the operator vest, except where otherwise indicated, in the operator or the relevant rights-holder. Reproduction, reposting, distribution, translation, and secondary use beyond the scope of personal use is prohibited without the prior written consent of the operator.

Third-party trademarks

Company names, product names, service names, and platform names appearing on this page and within the operator’s content are the trade names, trademarks, or registered trademarks of the respective owners. The operator is an independent party from those rights-holders and does not represent or act on their behalf.

07A — International access & regional compliance

Premises for use by international users

The operator’s websites and services may be accessed from various jurisdictions, but such access does not mean that the operator is registered, licensed, or authorised in each such jurisdiction for financial, legal, tax, investment-advisory, payment, mail-order, data-processing, advertising, medical, or other regulated activities.

• Users accessing the services from outside Japan must verify the laws, tax rules, financial regulations, consumer-protection rules, import/export controls, sanctions, data-protection requirements, and advertising rules of their country of residence, place of business, and place of use, and determine at their own responsibility whether use is permitted.
• The operator may refuse provision, suspend use, cancel orders, or restrict access to all or part of the services by region, country, sanctions status, risk assessment, payment-processor or platform request, or for compliance reasons.
• Users represent and warrant that they are not sanctioned persons, export-restricted persons, organised antisocial forces, terrorist organisations, or persons involved in money laundering, fraud, unauthorised access, or other unlawful conduct.
• To the maximum extent permitted by applicable law, claims by users must be brought on an individual basis and participation in, or consolidation with, class actions, representative actions, class arbitrations, or collective proceedings is not permitted.

08 — Limitation of liability

Scope of the operator’s liability

Save to the extent that liability cannot lawfully be excluded, the operator bears no liability for the following.

• Damages arising from or in connection with use of, inability to use, or the results of using the operator’s websites, services, content, or deliverables
• Business damages, lost opportunities, and third-party claims arising from the operation, revision, deployment to third-party environments, or commercial use of a deliverable in a development engagement
• Damages — to body, property, data, or foregone profit — arising in connection with the use, storage, resale, transfer, or disposal of goods supplied through the physical-goods business
• Damages arising from the failure to achieve a specific numerical outcome — including view counts, subscriber counts, revenue, or conversion — in connection with marketing engagements
• Damages relating to the content, safety, contract terms, or performance of products, services, or websites accessible via affiliate or tie-up arrangements
• Damages arising from outages, terms-of-service amendments, or service discontinuations of third-party systems — including communication lines, platforms, external APIs, and payment providers
• Non-performance or delay caused by force majeure, including natural disasters, war, civil disturbance, the spread of infectious disease, legislative change, and administrative disposition
• Loss, corruption, overwriting, incompatibility, or irrecoverability of inputs, calculation results, templates, generated documents, history, settings, share URLs, or other data arising from maintenance, updates, upgrades, specification changes, data migration, suspension, incidents, account termination, or storage limits
• Damages arising from error, inaccuracy, delay, omission, obsolescence, misinterpretation, or unverified use of any calculator, analytical tool, template, translation, QA check, data import, alert, score, report, or generated item
• A third party’s investment loss, lost opportunity, inadequate explanation, suitability, regulatory, or data-protection issue, data breach, or third-party claim arising from a financial-media operator, financial planner, IFA, securities firm, financial institution, or other business user providing or using the Services or outputs for a customer or other third party
• Claims concerning forgotten cancellation of a former plan, incomplete cancellation, misunderstanding of a renewal date, duplicate subscriptions, multiple accounts, a new charge upon plan change, or non-use of a paid term

Where mandatory legislation — including Japan’s Consumer Contract Act — prevents the complete exclusion of the operator’s liability, the operator’s liability is capped at the amount of consideration actually paid by the user to the operator in respect of the specific service or transaction giving rise to the damage. Indirect, special, consequential, and loss-of-profit damages are excluded from such liability.

This Disclaimer does not increase a more specific or lower liability cap stated in the Terms of Service or an individual agreement; to the extent legally effective, the more specific or lower cap prevails. A series of events arising from the same or related cause is treated as one event, and the liability cap applies in the aggregate to all related claims regardless of cause of action, legal theory, number of claimants, categories of loss, or number of proceedings.

No third-party beneficiary or duty to third parties

No contractual, agency, fiduciary, professional, or duty-of-care relationship arises between the operator and a user’s customer, prospect, counterparty, principal, member, reader, or other third party merely because the Services or an output are used. Such third party is not a third-party beneficiary of this Disclaimer, the Terms of Service, or an individual agreement and acquires no direct right of claim against the operator, except where mandatory law provides otherwise.

User indemnity

Where user inputs, submitted materials, target URLs, images, use of template outputs, infringement of third-party rights, breach of law or platform terms, false declarations, payment fraud, abusive chargebacks, breach of regional restrictions, or other circumstances attributable to the user give rise to claims, investigations, disputes, costs, damages, legal fees, or other burdens for the operator, the user shall indemnify, defend, and hold the operator harmless to the extent permitted by law.

The preceding paragraph includes claims by the user’s customers or other third parties; unlawful collection, entry, sharing, or storage of Third-Party Data; unverified use of a financial-tool or template output; presentation of an output as investment advice, a trading signal, a professional opinion, or a warranted calculation; breach of the user’s duties concerning customer explanation, suitability, advertising, record retention, or data protection; and disputes concerning forgotten cancellation of a former plan, duplicate subscriptions, or chargebacks.

09 — Governing law & jurisdiction

Governing law and agreed jurisdiction

Governing law

This disclaimer and all matters relating to the services provided by the operator are governed by, and construed in accordance with, the laws of Japan.

Agreed jurisdiction

Disputes arising between the operator and a user are submitted, on a first-instance and exclusive basis, to the Tokyo District Court or the Tokyo Summary Court, as appropriate to the value in dispute, except where mandatory law requires another forum.

Language

This page is provided with English as the controlling language for international users, and Japanese is included as a convenience translation. In the event of any discrepancy between the two versions, the English text prevails, except where mandatory law requires a Japanese-language disclosure to prevail.

Severability

Should any provision of this disclaimer be held invalid or unenforceable under applicable law, the validity and enforceability of the remaining provisions are unaffected.

10 — Contact

Inquiries regarding this page

Inquiries regarding the content, scope, or relationship to a specific service of this disclaimer may be sent through the contact form or the email address below. Inquiries are handled in writing — by email or equivalent — only.

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