Terms of Service

Last updated: October 18, 2026

Main Street Terminal (the "Service") is operated by Precision Decision LLC, an Arizona limited liability company ("we", "us", "our"). These Terms of Service (the "Terms") are a binding agreement between you and Precision Decision LLC. By creating an account, signing in, subscribing, purchasing lifetime access, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

Your agreement is the act itself — creating an account, signing in, or starting a purchase. We also keep a record of it: each time you sign in, and when a purchase is prepared in the Service (before the store completes it), we log that your account accepted the version of the Terms then in force. That record is our evidence of your agreement; if for any reason it is not written, your agreement is not affected and neither is your purchase.

Please read Section 15 (Dispute Resolution). To the extent permitted by applicable law, it requires individual arbitration of most disputes and waives class actions, with a 30-day opt-out. Mandatory local consumer and court rights remain unaffected.

1. Eligibility

You must be at least 18 years old, or the age of majority where you live if that is higher, to use the Service. By using the Service you represent that you meet this requirement and that you are legally able to enter into these Terms.

2. What the Service Is

Main Street Terminal is a research and decision-support tool for equity options around earnings and other public events. It provides scan engines, event calendars, earnings workflows, option chains, charts, watchlists, alerts, decision briefs, comparison tools and related information.

The Service is not a broker-dealer, investment adviser, exchange, clearing firm, custodian, bank or money transmitter. It does not place, route or execute orders, hold funds or securities, manage accounts, or give you personalized investment advice.

3. Risk Disclosure — Read Carefully

Options trading involves substantial risk and is not suitable for every investor. You can lose the entire amount you pay for an option, and certain option strategies can lose more than the amount invested. Prices around earnings and other events can move sharply, gap, or become illiquid; implied volatility can collapse after an event even when the price moves in the expected direction.

Nothing in the Service is a prediction, a signal, a recommendation, or a promise of any outcome. Engine outputs, scores, rankings, candidate contracts, "expected move" figures, scenario descriptions, trigger and invalidation levels, briefs and any similar material are analytical descriptions produced by software from third-party data. They describe conditions; they do not tell you what will happen or what you should do. Past results, whether shown in the Service or anywhere else, do not indicate future results.

You are solely responsible for every trading and investment decision you make, including deciding whether any information from the Service is accurate, current, complete or suitable for your objectives, financial situation, experience and risk tolerance. Before acting on anything, verify it independently and consider consulting a licensed professional. Before trading options you should read the Options Clearing Corporation's Characteristics and Risks of Standardized Options.

4. No Investment, Legal, Tax or Accounting Advice

We do not provide investment, legal, tax or accounting advice, portfolio management, position-sizing guidance or securities recommendations, and nothing in the Service should be read that way. We are not registered as an investment adviser or broker-dealer with the SEC, FINRA or any state regulator, and we do not know your individual circumstances.

5. Accounts and Security

Some features require an account. You agree to give accurate information, keep your sign-in method and devices secure, and tell us promptly at the contact below if you believe your account has been compromised. You are responsible for activity under your account. You may not share access, impersonate anyone, use another person's account, or attempt to bypass sign-in, entitlement or access controls.

Account deletion is available from the Account page and is described in our Privacy Policy.

6. Membership, Billing, Renewal and Cancellation

The Service is a paid product. Basic, Plus and Premium memberships are billed monthly or annually. Lifetime is a one-time purchase of Premium access. The price, billing period, included capabilities and applicable taxes are shown before payment. The same membership applies on desktop and phone; creating an account alone does not grant access to paid tools.

Recurring membership and cancellation. Monthly and annual memberships renew automatically until cancelled. For a website purchase processed through Stripe, use Manage Billing on the Account page to cancel future renewals. Cancellation normally takes effect at the end of the paid period, and access continues until then. Cancellation alone does not request a refund. After the initial-purchase refund window below, we do not voluntarily refund renewal charges or unused portions of a paid period.

What Lifetime includes. One payment provides Premium access, its included data and Premium updates for as long as Main Street Terminal operates, without a recurring membership fee. Separately sold future products and optional paid data feeds are not included. Increased hosting or provider costs do not by themselves create a recurring membership charge for an existing Lifetime purchase. Lifetime includes standard support through the Service's support channels, without a guaranteed response time or uptime. It is nontransferable. "Lifetime" means the life of the Service, not the purchaser's life; access ends if the Service ends, as described in Section 12. There is currently no fixed quantity cap or end date for new Lifetime sales.

Use and capacity. The purchased tier's existing saved-record capacities and technical safeguards apply. Lifetime follows Premium's capacities. There are no per-scan allowances. Account sharing, unauthorized scraping or redistribution, bypassing controls and abusive automated use remain prohibited under Sections 5, 7 and 8; this policy adds no new usage cap and does not restrict the open-data rights preserved in Section 7.

Initial-purchase refunds. You may request a full refund within 14 calendar days after successful payment for an initial monthly or annual membership purchase, or a Lifetime purchase. The window runs from payment, not from first use. Request the refund through Support on the Account page or the contact in Section 19, identifying the purchase; do not send passwords or payment-card details. Automatic subscription renewals do not start a new refund window. After this window, we do not offer voluntary refunds or partial refunds for unused time. A full refund ends access supplied by the refunded purchase; a refunded recurring membership must also have its future billing stopped. Refunds are returned through the original payment method, with processing time determined by the payment provider and financial institution.

Changing from a subscription to Lifetime. You pay the full Lifetime price shown at checkout. The previous subscription stops after the Lifetime payment is confirmed, and Lifetime access replaces it. Unused subscription time is not credited against the purchase or automatically refunded. An unpaid or abandoned Lifetime checkout leaves the existing subscription in place. The initial-purchase refund policy applies to the Lifetime purchase; refunding it does not automatically restart the former subscription.

Purchase channels and required rights. We administer the policy above for website purchases processed through Stripe. If a purchase is made through an app store, use that store's billing and refund process; applicable store rules also apply. The 14-day initial-purchase refund policy is a voluntary policy in addition to any rights required by applicable law. Its restrictions on renewal refunds, unused time and Lifetime conversion credit do not limit a mandatory right of withdrawal, cancellation, refund or other remedy, including rights concerning renewals where applicable. Signing in or beginning to use the Service does not by itself waive a statutory withdrawal right. Any legally available method of exercising those rights remains available. Nothing in these Terms limits an applicable store or payment-provider requirement. Payment information is handled by the payment provider, not by us.

Account deletion. For a Stripe subscription linked to the account, the Service must successfully stop future billing before deletion proceeds. Any subscription bought through a separate app store must be cancelled through that store. Deleting an account does not itself request or issue a refund; use the refund process above.

Paid access buys access to the Service. It does not buy any result, return, data accuracy, uptime or the availability of any market opportunity. We may correct, revoke, expire or adjust entitlements to address billing errors, refunds, chargebacks, fraud or misuse.

7. Market Data and Third-Party Sources

The Service displays and processes data from third parties, including options market data, quotes and related feeds from our licensed market-data vendor; economic statistics, rates, auction schedules, calendars, filings and publications from the U.S. government (the Bureau of Labor Statistics, the Bureau of Economic Analysis, the Department of the Treasury and TreasuryDirect, the Board of Governors of the Federal Reserve System, the Commodity Futures Trading Commission, the Census Bureau, the Securities and Exchange Commission (EDGAR), the Food and Drug Administration and the White House); rates and market-operations data from the Federal Reserve Bank of New York; study records from ClinicalTrials.gov; map and reference data from the World Bank, the Uppsala Conflict Data Program, OpenStreetMap contributors, Global Energy Monitor, Natural Earth, Wikidata, OurAirports, the U.S. Geological Survey, the Energy Information Administration, the Environmental Protection Agency, the Bureau of Safety and Environmental Enforcement, HIFLD and Oak Ridge National Laboratory, NASA, the National Geospatial-Intelligence Agency and the National Weather Service; and charting software from TradingView (Lightweight Charts™, Apache 2.0). The Licenses page in the Service lists each data source, what the Service uses from it, the license or terms it is offered under and the credit it requires.

None of these organizations is affiliated with, sponsors or endorses the Service or Precision Decision LLC. Data may be delayed, incomplete, unavailable, stale, estimated, revised or wrong; official records are corrected, postponed and withdrawn by their sources. Where the Service labels something as estimated, anticipated or unverified, treat it that way. Registry milestones such as an "estimated primary completion" are a sponsor's anticipated schedule, not an announcement date.

Open data. Some third-party data in the Service is offered by its source under an open license, such as Creative Commons Attribution 4.0, the Open Database License 1.0 or CC0 1.0, or is in the public domain. Data that the Service identifies as open-licensed or public domain, on its Licenses page or beside the data, remains subject only to the terms of its license, or to no license terms if it is in the public domain, and nothing in these Terms, including Section 8, restricts any right you have in that data under its license or because it is in the public domain. Section 8's rules on how you may access the Service, such as its limits on scraping and automated access, still apply. You may not redistribute any other third-party data obtained through the Service.

8. Acceptable Use

You agree to use the Service lawfully and only for your own personal or internal business research. You may not:

• copy, scrape, harvest, resell, redistribute, publish or commercially exploit the Service, its data or its outputs;
• reverse engineer, decompile or attempt to extract the source code, models or engine logic of the Service;
• bypass or probe security, authentication, entitlement, rate-limit or access controls, or access accounts, systems or providers without authorization;
• overload, disrupt or interfere with the Service or its providers, or use automated means to access it except through interfaces we publish for that purpose;
• present the Service's outputs as personalized advice, guaranteed results or a solicitation to anyone else;
• use the Service for any unlawful, deceptive, manipulative or harmful purpose, including market manipulation.

9. Intellectual Property

The Service — its software, engines, interface, design, text, branding, analytics and related materials — is owned by Precision Decision LLC or its licensors and is protected by intellectual-property laws. "Main Street Terminal" and associated marks are marks of Precision Decision LLC.

App Store license and Service terms. If you obtain the Main Street Terminal application through Apple’s App Store, Apple’s Standard Licensed Application End User License Agreement ("Standard EULA") applies to that application, including the content, materials and services within its stated scope. These Terms supplement, and do not replace, the Standard EULA. If a provision of these Terms conflicts with the Standard EULA, the Standard EULA controls to the extent the matter is governed by it, subject always to mandatory rights under applicable law.

These Terms govern your account and membership relationship with Precision Decision LLC; Apple is not a party to this Service agreement. Our membership prices, Lifetime coverage, voluntary refund policy and other commercial commitments remain described in Section 6. We do not treat those commitments as amendments to Apple’s Standard EULA. For use of the Service outside the Standard EULA’s scope, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Service for its intended purpose under these Terms. No other rights are granted.

10. Feedback and Submissions

If you send us feedback, suggestions, bug reports, support messages or other content, you confirm you have the right to do so and you grant us a perpetual, royalty-free license to use, store and act on it to operate, support and improve the Service. Do not send confidential information or personal information that is not needed for your request.

11. Availability

We aim for the Service to be available but do not promise it will be. It may be interrupted or unavailable because of maintenance, provider outages, data-source changes, security events, technical failures or other causes, and we may modify, limit or remove features at any time.

12. Changes to the Service and to These Terms

We may change the Service, its features, plans and prices prospectively. We may also update these Terms. When we do, we will post the updated Terms in the Service with a new "Last updated" date and, for material changes affecting paid members, give notice in the Service or by email before they take effect. Your continued use after the effective date means you accept the updated Terms. If you do not accept them, stop using the Service and cancel any membership.

Changes do not impose a recurring membership fee on an existing Lifetime purchase or remove the refund and consumer rights described in Section 6. If we discontinue the Service, we will give reasonable notice where practical. Lifetime access ends when the Service ends, subject to those rights.

13. Termination

We may suspend or terminate your access if you breach these Terms, misuse the Service, create legal, security or operational risk, or if a store or payment provider reverses your purchase. You may stop using the Service at any time and delete your account from the Account page. Sections that by their nature should survive (including 3, 4, 7, 9, 14, 15, 16 and 17) survive termination.

14. Disclaimer of Warranties

THE SERVICE AND EVERYTHING IN IT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, TIMELINESS, COMPLETENESS OR UNINTERRUPTED OR ERROR-FREE OPERATION. WE DO NOT WARRANT THAT ANY OUTPUT IS CORRECT OR THAT ANY TRADE BASED ON IT WILL BE PROFITABLE OR AVOID LOSS. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you.

15. Dispute Resolution — Arbitration and Class-Action Waiver

This section governs disputes under these Service Terms with Precision Decision LLC, subject to the Standard EULA’s application and precedence described in Section 9. It does not amend Apple’s agreements or rights.

Mandatory local rights. This section applies only to the extent permitted by applicable law. It does not remove any non-waivable right to use a competent court, obtain a remedy or rely on mandatory consumer protections. Its informal-resolution period, arbitration requirement, class-action waiver, hearing-location provision and claim deadline do not override those rights.

Informal resolution first. If you have a dispute with us, contact us at the address in Section 19 with a description of the problem and what you would like done. We will try to resolve it within 60 days. Most concerns can be settled this way.

Binding arbitration. If we cannot resolve a dispute informally, you and Precision Decision LLC agree that any dispute, claim or controversy arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court if it qualifies, and either party may seek injunctive relief in court for infringement or misuse of intellectual property. The Federal Arbitration Act governs this section. The arbitrator's award is final and may be entered in any court with jurisdiction. Arbitration may be conducted by video, telephone or written submissions, and any in-person hearing will take place in a location reasonably convenient to you, subject to any right to a local hearing or court required by applicable law.

Class-action waiver. YOU AND PRECISION DECISION LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims of more than one person. If this waiver is found unenforceable for a particular claim, that claim must be brought in court and this arbitration section will not apply to it.

Opt-out. You may opt out of this arbitration agreement by sending written notice to the contact address in Section 19 within 30 days after you first accept these Terms, stating your name, the email on your account and that you opt out of arbitration. Opting out does not affect any other part of these Terms.

Time limit. Any claim must be brought within one year after it arises, or it is permanently barred, to the extent the law allows.

16. Limitation of Liability

This section is subject to the Standard EULA’s application and precedence described in Section 9 and to mandatory rights under applicable law.

TO THE FULLEST EXTENT PERMITTED BY LAW, PRECISION DECISION LLC AND ITS MEMBERS, OFFICERS, CONTRACTORS, LICENSORS AND DATA PROVIDERS WILL NOT BE LIABLE FOR ANY TRADING OR INVESTMENT LOSSES, LOST PROFITS, LOST OPPORTUNITIES, DATA ERRORS OR OMISSIONS, SERVICE INTERRUPTIONS, OR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, ARISING OUT OF OR RELATING TO THE SERVICE, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE OR ONE HUNDRED U.S. DOLLARS (US$100). Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

17. Indemnification

You agree to defend, indemnify and hold harmless Precision Decision LLC and its members, officers, contractors and licensors from any claims, losses, liabilities, damages and expenses (including reasonable attorneys' fees) arising out of your use of the Service, your trading or investment activity, your breach of these Terms, or your violation of any law or third-party right.

18. Governing Law, Electronic Communications and General Terms

Subject to Section 9 and the mandatory consumer protections below, these Terms are governed by Arizona law and applicable U.S. federal law. Court proceedings permitted by Section 15 may be brought in the state and federal courts in Arizona, except where applicable mandatory law permits or requires proceedings elsewhere. You agree that we may communicate with you electronically, including by email and notices in the Service, and that electronic notices satisfy any legal requirement that a communication be in writing. These Terms and the Privacy Policy contain the agreement between you and Precision Decision LLC about the Service, subject to the applicable Standard EULA as described in Section 9. They do not replace that EULA or any agreement between you and Apple. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor. Nothing in these Terms deprives a consumer of protections that cannot lawfully be excluded or restricted under applicable law, including mandatory protections of the country where that consumer habitually resides.

International availability. The Service is intended for international use in supported locations. Availability may differ between the website, the phone app, particular features and purchase channels. We do not offer access or transactions where prohibited by applicable law, sanctions, export controls or an applicable provider restriction. By starting a purchase, you confirm that you are not located in, ordinarily resident in or a citizen of Cuba, Iran, North Korea, Syria or the Crimea, Donetsk or Luhansk regions of Ukraine, and that you are not a sanctioned person or acting for one. Website checkout also asks where you are located before payment and does not accept purchases from those places or from countries where purchases are temporarily unavailable. You must not misrepresent your location or identity to bypass an applicable restriction. Availability through an app store does not establish availability through every other channel.

19. Contact

Precision Decision LLC · [email protected]. Support is also available from the Account page in the Service.