Terms of Service
Last Updated: 20 October 2025
1. Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you and Insight Investing LTD (company number 15628034, registered in England and Wales) ("Company", "we", "us", or "our") governing your access to and use of the Insight platform, including our website, web application, and all related services (collectively, the "Services"). By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with these Terms, you must not access or use the Services.
2. Modifications to Terms
We reserve the right to modify, amend, or update these Terms at any time at our sole discretion. We will provide notice of material changes by posting the updated Terms on our website with a revised "Last Updated" date, and where appropriate, by sending you an email notification to the address associated with your account. Your continued use of the Services following the posting of revised Terms constitutes your acceptance of such changes.
3. Description of Services
Insight is a subscription-based financial research and analysis platform that provides: Company Financial Analysis, AI-Powered Insights, Portfolio Management Tools, Earnings Information, Market Data, Insider Trading Data, and Competitive Analysis.
3.1 Informational Purposes Only
CRITICAL: The Services are provided STRICTLY for informational, educational, and research purposes only. The Services are NOT intended for use in making investment decisions. All data, analysis, insights, and content are provided to assist you in conducting your own independent research and should not form the basis of any investment decision.
3.2 Third-Party Data Sources
ALL financial data, market data, and company information provided through the Services are sourced from third-party data providers, primarily Financial Modeling Prep and other external market data sources. We are a data aggregation and presentation platform and do not independently verify, validate, or guarantee the accuracy of any data obtained from these third-party providers.
3.3 No Guarantee of Accuracy
WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, RELIABILITY, CORRECTNESS, OR TIMELINESS OF ANY DATA, INFORMATION, ANALYSIS, OR CONTENT PROVIDED THROUGH THE SERVICES. Financial data may contain errors, inaccuracies, omissions, or significant delays. Market data may be delayed, incorrect, or subject to third-party licensing restrictions. AI-generated content may contain errors, biases, or incorrect conclusions. You acknowledge and agree that any reliance you place on data or content from the Services is strictly at your own risk.
4. Eligibility and Account Requirements
You must be at least 18 years of age to create an account or use the Services. When creating an account, you agree to provide accurate information, maintain current information, maintain account security, not share your account credentials, and immediately notify us of any suspected unauthorised access. You are solely responsible for all activities that occur under your account. You may not create multiple accounts, create an account on behalf of another person without permission, sell or transfer your account, or use automated means to create accounts.
5. Subscription Plans, Fees, and Billing
Access to the full features of the Services requires a paid subscription. By providing payment information and subscribing to a paid plan, you authorize us and our payment processors (including Lemon Squeezy) to charge the applicable subscription fees to your designated payment method. Subscriptions automatically renew at the end of each billing period unless cancelled prior to the renewal date. All fees are quoted in Pounds Sterling (GBP) unless otherwise stated. Prices may be subject to VAT depending on your location.
5.1 Refunds and Cancellations
All subscription fees are generally non-refundable. We do not provide refunds or credits for partial subscription periods, unused time, or general dissatisfaction with the Services. If you experience significant technical issues with the platform that prevent you from using the Services, you may be eligible for a refund. Contact our support team to request a refund for platform-related issues. You may cancel your subscription at any time through your account settings or by contacting our support team. Any refund provided for platform issues is your sole and exclusive remedy for technical problems with the Services. Refunds do not apply to investment losses, data accuracy issues, or third-party data provider errors.
6. Acceptable Use and Prohibited Conduct
Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Services for your personal or internal business purposes. You agree not to use the Services for illegal activities, market manipulation, unauthorised access, interference, data scraping, reverse engineering, circumvention of security measures, commercial exploitation, data redistribution, competing services, providing false information, transmitting malicious code, or infringing intellectual property rights. Violation of this section may result in immediate suspension or termination of your account without notice, refund, or liability to you.
7. Intellectual Property Rights
All content, software, technology, data compilations, designs, graphics, text, information, and materials available through the Services (excluding User Content) are the property of the Company or our licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws. You may not remove, alter, or obscure any copyright, trademark, or other proprietary rights notices from the Services or any content, copy or exploit any content for commercial purposes without our express written permission, or create derivative works based on the Services.
8. User Content and Data
You retain all ownership rights in your User Content. We do not claim ownership of any data or information that you provide or input into the Services. By submitting, uploading, or storing User Content through the Services, you grant us a limited, non-exclusive, worldwide, royalty-free licence to use, store, copy, process, transmit, and display your User Content solely to the extent necessary to provide, operate, maintain, and improve the Services. We will not share, sell, or disclose your User Content to third parties except as described in our Privacy Policy or as required by law.
9. Privacy and Data Protection
Your privacy is important to us. Our collection, use, storage, and protection of your personal data are governed by our Privacy Policy, which is incorporated into these Terms by reference. For users in the United Kingdom and European Economic Area, we comply with the UK General Data Protection Regulation (UK GDPR) and EU General Data Protection Regulation (GDPR).
10. AI-Generated Content and Analysis
The Services include AI-generated content and analysis powered by large language models and machine learning algorithms. AI-generated content is produced by automated systems and may contain errors, inaccuracies, biases, or outdated information. We do not guarantee the accuracy, completeness, reliability, or correctness of any AI-generated content. You are solely responsible for independently verifying any AI-generated content or analysis before acting on it.
11. Service Availability and Modifications
We strive to provide reliable and continuous access to the Services. However, we do not guarantee that the Services will be available at all times or that access will be uninterrupted, timely, secure, or error-free. We do not provide refunds, credits, or service extensions for Service downtime, except where required by applicable law. We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time, temporarily or permanently, with or without notice.
12. No Financial or Investment Advice
IMPORTANT: All information, data, analysis, content, and tools provided through the Services are for informational and educational purposes only. The Company is not a registered financial advisor, investment advisor, stockbroker, or fiduciary under UK or EU law. Nothing on the Services constitutes investment advice, financial advice, trading advice, or recommendations. We do not recommend, endorse, or make representations regarding the suitability, profitability, or advisability of any particular investment, security, portfolio, transaction, or investment strategy. Past performance is not indicative of future results. You should consult with a qualified and independent financial advisor before making any investment decisions. The Company is not authorised or regulated by the Financial Conduct Authority (FCA).
13. Disclaimers and Warranties
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS" WITHOUT ANY WARRANTIES, REPRESENTATIONS, OR CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. WE EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS, INCLUDING BUT NOT LIMITED TO: any implied warranty of accuracy, reliability, merchantability, fitness for a particular purpose, non-infringement, security, or uninterrupted access. You acknowledge that you use the Services entirely at your own risk and discretion.
14. Limitation of Liability
14.1 ZERO LIABILITY FOR INVESTMENT DECISIONS
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE SERVICES ARE NOT INTENDED FOR MAKING INVESTMENT DECISIONS AND WE ACCEPT ABSOLUTELY NO LIABILITY WHATSOEVER FOR ANY INVESTMENT DECISIONS, TRADING ACTIVITIES, OR FINANCIAL LOSSES OF ANY KIND. WE SHALL HAVE ZERO LIABILITY for any losses, damages, costs, or expenses arising from or related to: Investment Decisions, Financial Losses, Third-Party Data Errors, AI-Generated Content, Data Inaccuracies, or Service Unavailability. YOU USE THE SERVICES ENTIRELY AT YOUR OWN RISK. WE ARE NOT RESPONSIBLE FOR ANY FINANCIAL CONSEQUENCES OF YOUR INVESTMENT DECISIONS.
14.2 Third-Party Data Provider Disclaimer
All financial data is sourced from third-party providers. WE DO NOT VERIFY, VALIDATE, OR GUARANTEE THE ACCURACY OF ANY THIRD-PARTY DATA. We act solely as an aggregator and presenter of third-party data and accept no liability for errors or omissions in third-party data, delays in data updates or transmission, interruptions in third-party data feeds, changes to third-party data after publication, or incompleteness or inadequacy of third-party data.
14.3 Platform Issues and Refunds
If you experience technical issues, bugs, or problems with the platform itself (as opposed to investment-related concerns), your remedy is cancellation and refund as set forth in Section 5.1. We are not liable for any other damages, losses, or costs related to platform issues.
14.4 Exclusion of All Consequential Damages
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO: loss of profits, revenue, income, business opportunity, data, goodwill, reputation, investment losses, trading losses, business interruption, or costs of procurement of substitute services. This exclusion applies regardless of the legal theory and whether or not we have been advised of the possibility of such damages.
14.5 Statutory Rights
Nothing in these Terms excludes or limits our liability for fraud or fraudulent misrepresentation, any liability that cannot be excluded or limited under UK law, or your statutory consumer rights under the Consumer Rights Act 2015 or other applicable consumer protection laws.
15. Indemnification
You agree to indemnify, defend, and hold harmless the Company, its affiliates, and their respective officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees arising from or relating to your use or misuse of the Services, your violation of these Terms, your violation of any applicable laws or third-party rights, your User Content, or your investment decisions or trading activities.
16. Termination
You may terminate your account at any time by using the account deletion function within the Services or contacting our customer support team. We reserve the right, in our sole discretion, to suspend or terminate your access to the Services and your account at any time, for any reason or no reason, with or without notice. Upon termination, your right to access and use the Services will immediately cease, we may delete your account and User Content, and you will remain liable for any outstanding fees or charges owed. Termination of your account does not entitle you to any refund of subscription fees, except as required by applicable law or as expressly provided in these Terms.
17. Governing Law and Jurisdiction
These Terms and any disputes arising out of or in connection with them or the Services shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. You and the Company irrevocably agree that the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or the Services. If you are a consumer resident in the UK or European Economic Area, nothing in this section affects your statutory rights as a consumer, including your right to bring proceedings in your local courts.
18. General Provisions
These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding the Services. If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. You may not assign your rights or obligations under these Terms without our prior written consent. We are not liable for any delay or failure to provide the Services due to causes beyond our reasonable control, including internet or telecommunications failures, third-party data provider outages, cloud hosting failures, DDoS attacks, or government actions.
Contact Information
If you have any questions, concerns, or comments about these Terms or the Services, please contact us:
Email: support@insightanalytics.io
For other inquiries: ben@insightanalytics.io
Company Details:
Insight Investing LTD
Company Number: 15628034
Registered in England and Wales
Full registered office address: Available on our website footer or contact us for details
By using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
Last Updated: 20 October 2025