Signal Savvy Investor – Terms of Service

Version 1.0 – Effective 31 July 2026

How these terms are structured

These terms are in four parts. Which parts apply depends on how you use Signal Savvy Investor.

Part	Applies to
Part A: General	Everyone who uses this website or the platform
Part B: Platform accounts	Anyone with a Signal Savvy Investor account
Part C: Pilot Program	Pilot Program participants, during the program
Part D: Paid subscriptions	Reserved – not currently in effect

Where a later Part conflicts with an earlier one, the later Part prevails for the users it covers.

PART A: GENERAL TERMS

Applies to everyone.

A1. Who we are

Signal Savvy Investor (“SSI”) is the website at signalsavvyinvestor.com and the Signal Savvy Investor analytics platform.

SSI is operated by LASZLO SZABO trading as Signal Savvy Investor, of 89 Neil Road, #02-04, Singapore, 088849, Singapore. In these terms, “we”, “us” and “our” mean LASZLO SZABO trading as Signal Savvy Investor. Contact: support@signalsavvyinvestor.com.

We intend to transfer the operation of SSI to a company once incorporated. You agree that we may assign these terms, and our rights and obligations under them, to that company. Your rights under these terms including any founding-member entitlement under Part C transfer with them.

A2. Acceptance

By using this website you accept Part A of these terms. If you create an account, you accept Part A and Part B expressly by ticking the acceptance box, together with Part C if we have accepted you into the Pilot Program.

If you don’t accept these terms, don’t use the website or the platform.

A3. Eligibility

You must be at least 18 years old and legally able to enter a contract. SSI is directed at individuals managing their own investments. You must not use SSI to provide financial services or advice to any other person unless we’ve agreed in writing.

A4. No financial advice

SSI provides factual information and analytical tools only.

We do not provide financial product advice, personal advice, general advice, investment recommendations, or any suggestion or opinion that you should acquire or dispose of any financial product. Nothing on this website or the platform takes into account your objectives, financial situation or needs.

Rankings, scores, screens, indices and regime classifications are the output of mechanical calculations applied to data. They are not recommendations, ratings of merit, buy or sell signals, forecasts, or predictions of future performance. A security appearing at the top of a ranking is not being recommended to you. A high score does not mean a security is a good investment; a low score does not mean it is a bad one.

You are solely responsible for your own investment decisions. Before making any investment decision, consider obtaining advice from a licensed financial adviser who can take your circumstances into account, and read any relevant disclosure document.

Past performance is not an indicator of future performance. Investing in shares involves risk, including the risk of losing your capital.

Neither SSI nor any person associated with it holds an Australian Financial Services Licence.

A5. Data sources and accuracy

The platform uses data from third-party providers and public filings. We make reasonable efforts to check it, but we don’t control it and can’t guarantee it is accurate, complete, current or free from error. Prices and figures may be delayed.

Verify anything material against primary sources: company announcements, ASX filings, or your broker, before acting on it.

A6. Acceptable use

You must not:

redistribute, resell, republish or systematically extract data from SSI
scrape, crawl or use automated means to access SSI
reverse engineer, decompile or attempt to derive our methodology or source code
interfere with SSI’s operation or security, or access data you’re not authorised to access
use SSI to provide financial services or advice to any other person
publicly misrepresent SSI’s output, or attribute investment performance claims to SSI
use SSI unlawfully, or in breach of any applicable financial services or market conduct law

A7. Intellectual property

We own SSI, its content, its methodology and all intellectual property in them, other than third-party data licensed to us. Nothing in these terms transfers any of that to you.

You get a limited, personal, non-transferable, revocable right to use SSI in accordance with these terms, and nothing more.

A8. Third-party links

We may link to third-party websites. We don’t control them, don’t endorse them, and aren’t responsible for their content or their handling of your information.

A9. Disclaimers

To the maximum extent permitted by law, SSI is provided “as is” and “as available”, without warranties of any kind, express or implied, including as to merchantability, fitness for a particular purpose, accuracy, or uninterrupted availability.

We may change, suspend or discontinue any part of SSI at any time.

A10. Limitation of liability

To the maximum extent permitted by law, we are not liable for any loss or damage arising from your use of SSI or reliance on its output, including investment losses, trading losses, lost profits, lost opportunity, loss of data, or indirect or consequential loss of any kind.

Australian Consumer Law. Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy you have under the Australian Consumer Law or any other law that cannot lawfully be excluded. Where we are permitted to limit our liability for failure to comply with a consumer guarantee, our liability is limited to supplying the services again or paying the cost of having them supplied again.

Subject to the above, our total aggregate liability to you for all claims is limited to the greater of SGD 100 or the total amount you have paid us in the 12 months before the claim arose.

A11. Privacy

We handle personal information in accordance with our Privacy Policy, which forms part of these terms.

A12. Governing law

These terms are governed by the laws of Singapore, and you and we submit to the non-exclusive jurisdiction of the Singapore courts.

This does not limit any right you have to bring proceedings, or to rely on consumer protection laws, in your country of residence where the law gives you that right.

A13. Changes to these terms

We may update these terms. The version number and effective date at the top will change. If a change materially affects your rights and you hold an account, we’ll email you before it takes effect. Continuing to use SSI after that means you accept the change.

A14. General

If any provision is unenforceable, it is severed and the rest continues to apply. Our failure to enforce a provision isn’t a waiver of it. These terms, together with the Privacy Policy, are the entire agreement between us on this subject.

A15. Summaries

The plain-language summaries accompanying these terms are provided to help you understand them. They are not part of the agreement and do not vary it. Where a summary and a clause differ, the clause applies.

PART B — PLATFORM ACCOUNTS

B1. Your account

Provide accurate details and keep them current. Keep your login credentials secure and don’t share your account with anyone. Tell us promptly if you believe your account has been accessed by someone else.

You’re responsible for activity under your account.

B2. Your content

Watchlists, screens, saved comparisons and preferences you create remain yours. You grant us the licence needed to host, process and display them to you, and to back them up.

B3. Feedback

You grant us a perpetual, irrevocable, worldwide, royalty-free licence to use, modify and incorporate into SSI any feedback, suggestions, bug reports or ideas you give us, without obligation or compensation to you. You confirm you have the right to give us that feedback.

We won’t publish or attribute anything you tell us in a way that identifies you without asking you first. We may use anonymised or aggregated feedback freely.

B4. Availability

We aim to keep the platform available but don’t guarantee it. We may take it offline for maintenance, and we’ll give notice where practical.

B5. Suspension and termination

We may suspend or terminate your account at any time, including if you breach these terms, or if we discontinue SSI. Where we do so without cause, we’ll give reasonable notice.

You may close your account at any time by emailing us.

On termination your right to use the platform ends. We handle your data as set out in the Privacy Policy. Clauses A4, A6, A7, A9, A10, A12, A14, A15 and B3 survive termination.

PART C — PILOT PROGRAM

C1. Scope and duration

This Part applies only if we have accepted you into the SSI Pilot Program, and it ceases to apply on the earlier of the end of the program or the date your participation ends, except clause C6, which survives.

Where this Part conflicts with Part A or Part B, this Part prevails for pilot participants.

C2. What the pilot is

The Pilot Program gives a limited number of participants free access to the platform for approximately EIGHT weeks, in exchange for feedback, before general release.

The platform is pre-release software. It is incomplete, under active development, and will contain errors. Features may change, break or be removed without notice. Data may be delayed, incomplete or wrong. Availability is not guaranteed.

Do not rely on the platform as your sole basis for any investment decision. Clause A5 applies with particular force during the pilot.

We may change the length or scope of the program, or end it, at any time.

C3. What we ask of you

As a participant, we may ask that you:

use the platform genuinely, as you would a tool you rely on
take part in feedback sessions of approximately 20 minutes every month
complete a short monthly survey
report bugs and problems when you find them

If you stop participating in feedback, we may end your participation. Your entitlement under C6 depends on completing the program.

You may withdraw at any time by emailing us, with no penalty.

C4. Free access

Access during the pilot is free. There is no subscription and we will not ask for or accept payment details during the pilot.

C5. Talking about the pilot

You may say publicly that you’re a pilot participant and describe your experience. We’d like you to.

Please don’t publish screenshots of unreleased features without asking us, and please don’t make or imply investment performance claims about SSI.

C6. Founding-member entitlement

This clause survives the end of the Pilot Program.

Participants who complete the program will be offered 50% off the standard subscription price, for as long as their subscription remains continuously active, when paid plans are introduced.

We’ll tell you the price and terms before any subscription begins. You will never be charged automatically or without opting in.

We reserve the right to set launch pricing and to change our plans for paid subscriptions. If we decide not to launch a paid product, or this entitlement changes, we’ll tell you.

PART D — PAID SUBSCRIPTIONS

Reserved.

Paid subscriptions are not currently offered. No part of SSI requires payment at this time.

We will publish subscription terms covering pricing, billing, renewal, cancellation and refunds, and obtain your express agreement to them before any paid plan begins.

10. Contact

If you have any questions or concerns about these terms, please contact us.