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Terms of Service

Last Updated: February 12, 2026

⚠️ IMPORTANT RISK DISCLOSURE

AI predictions and stock market trading involve a high degree of risk and are not suitable for all investors. You should carefully consider your investment objectives, level of experience, and risk appetite. The possibility exists that you could sustain losses that exceed your initial investment. You should not invest money that you cannot afford to lose.

These Terms of Service ("Terms") govern your access to and use of the website and services provided by Cadvisor Consulting LLC ("Company," "we," "us," or "our"). By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account, subscribing to our services, or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use our services.

You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are under 18, you may not use our services.

2. Description of Services

Cadvisor Consulting LLC provides AI-powered market prediction tools and related financial information services. Our services include:

3. Not Investment Advice

CADVISOR CONSULTING LLC IS NOT A REGISTERED INVESTMENT ADVISOR.

The information, predictions, calculations, and opinions provided on this website are for educational and informational purposes only and do not constitute investment advice, financial advice, trading advice, or any other type of professional advice.

You should not construe any information or predictions as recommendations to buy, sell, or hold any security or investment. You should consult with a licensed financial advisor before making any investment decisions.

4. Limitation of Accuracy

Our AI predictions are estimates based on historical data and mathematical models. These predictions:

Past performance does not guarantee future results. Market conditions can change rapidly and unpredictably.

5. User Responsibilities

By using our services, you agree to:

6. Subscription and Payment Terms

6.1 Premium Subscription

Access to AI predictions requires an active subscription (Premium at $69.95/month or Pro at $99.95/month). By subscribing, you agree to:

6.2 Cancellation

You may cancel your subscription at any time through your account settings or by contacting us. Upon cancellation:

6.3 Refund Policy

No refunds are provided for subscription fees. When you cancel your subscription, you will retain full access to all premium features until the end of your current billing period. After that, your account will revert to free tier access.

Exceptions may be made at our sole discretion for:

To request an exception or dispute a charge, please contact us at info@bigflowlive.com.

6.4 Price Changes

We reserve the right to modify subscription pricing with 30 days' advance notice via email. Continued use of the service after the price change takes effect constitutes acceptance of the new pricing.

7. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, data visualizations, software, and AI prediction algorithms, are the proprietary property of Cadvisor Consulting LLC and are protected by U.S. copyright, trademark, and other intellectual property laws.

You may not:

8. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

We do not warrant that our AI predictions will be accurate, complete, or useful for your investment decisions.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY MICHIGAN LAW:

CADVISOR CONSULTING LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF OUR SERVICES EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

These limitations apply even if we have been advised of the possibility of such damages. Some jurisdictions do not allow limitation of certain warranties or liabilities, so these limitations may not apply to you to the extent prohibited by applicable law.

IF YOU SUFFER FINANCIAL LOSSES FROM INVESTMENT DECISIONS, WE ARE NOT RESPONSIBLE.

10. Indemnification

You agree to indemnify, defend, and hold harmless Cadvisor Consulting LLC and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney fees) arising from:

11. Account Termination

We reserve the right to suspend or terminate your account at any time, with or without cause, including if:

Upon termination, your right to access the services will immediately cease.

12. Third-Party Services

Our website may integrate third-party services such as TradingView charts and Stripe payment processing. Your use of these services is subject to their respective terms of service and privacy policies. We are not responsible for third-party services.

13. Regulatory Compliance

13.1 Michigan Jurisdiction

Cadvisor Consulting LLC is organized under the laws of the State of Michigan. These Terms are governed by Michigan law without regard to conflict of law provisions.

13.2 Not a Broker-Dealer

We are not a registered broker-dealer, securities exchange, or investment advisor with the SEC, FINRA, or any state securities regulator. We do not execute trades or hold customer funds.

13.3 Compliance with Securities Laws

Our services are educational tools only. Users are responsible for compliance with all applicable securities laws and regulations in their jurisdiction.

14. Dispute Resolution

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, excluding its conflicts of law rules.

14.2 Venue

Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Michigan, and you consent to personal jurisdiction in such courts.

14.3 Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or the breach thereof shall be settled by binding arbitration administered by the American Arbitration Association in accordance with its Consumer Arbitration Rules. The arbitration shall take place in the State of Michigan, and judgment on the award may be entered in any court of competent jurisdiction. Either party may initiate arbitration.

14.4 Class Action Waiver

YOU AND CADVISOR CONSULTING LLC AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. Unless both you and we agree otherwise, the arbitrator may not consolidate or join more than one person's or party's claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding.

14.5 Small Claims Exception

Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within the court's jurisdictional limits.

15. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from circumstances beyond our reasonable control, including but not limited to: natural disasters, acts of government, internet or telecommunications failures, power outages, cyberattacks, pandemics, market disruptions, exchange outages, or data feed interruptions.

16. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the website with an updated "Last Updated" date. Your continued use of the services after changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Cadvisor Consulting LLC regarding the use of our services and supersede all prior agreements.

19. No Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.

20. Contact Information

If you have questions about these Terms of Service, please contact us:

Cadvisor Consulting LLC
State of Michigan
Email: info@bigflowlive.com

21. Acknowledgment

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT:

⚠️ FINAL INVESTMENT WARNING

INVESTING IN SECURITIES INVOLVES SUBSTANTIAL RISK OF LOSS. The value of investments can go down as well as up. You may lose some or all of your invested capital. Before making any investment decision, carefully consider your financial situation, investment objectives, and risk tolerance. Consult with a qualified financial advisor if needed.

CADVISOR CONSULTING LLC EXPRESSLY DISCLAIMS ALL LIABILITY FOR INVESTMENT LOSSES.

Effective Date: February 12, 2026
Governing Law: State of Michigan
Version: 2.0