Terms of Service·Effective October 24, 2026

Terms of Service

These Terms of Service (“Terms”) are a binding agreement between you and Orin (“Orin,” “we,” “us,” or “our”), the operator of the website and application at orin.finance (the “Service”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

Please read these Terms carefully. They include a disclaimer of warranties (Section 15), a limitation of our liability (Section 16), and an agreement that Delaware law governs these Terms and that disputes will be resolved in the courts of Delaware (Section 20).

1. What the Service is

Orin is a stock-research application for individual investors. We read primary sources — U.S. Securities and Exchange Commission (“SEC”) filings, earnings-call transcripts, institutional (Form 13F) holdings, congressional trading disclosures, market data, and similar public information — and publish plain-English research summaries and Orin's view on each company in a defined universe of U.S.-listed companies. We publish this material as a publisher of general research, made available on the same terms to everyone who uses the Service.

The Service is provided for informational and educational purposes only. It is a research and information product. It is not a brokerage, an exchange, a trading venue, a money-management service, or a financial-planning service.

2. Not investment advice; no personalized recommendation

Nothing on the Service is investment advice, and nothing on the Service is a recommendation to buy, sell, or hold any security or to pursue any investment strategy. Orin's summaries, scores, conviction levels, screens, watchlist and portfolio features, alerts, and answers from the research assistant are impersonal, general-audience research. They do not take into account your financial situation, objectives, risk tolerance, tax position, or particular needs, and they are not tailored to you even where the Service uses your watchlist or holdings to organize what you see.

Orin is not a registered investment adviser, broker-dealer, or financial planner, and does not hold itself out as any of those. We do not provide personalized investment advice and are not registered or licensed to do so. Any figure, score, or opinion published by the Service reflects Orin's general research process at a point in time and may change or be withdrawn without notice.

You are solely responsible for your own investment decisions. You should not treat any content on the Service as a substitute for the independent judgment of a qualified professional. Before acting on anything you read here, consider obtaining advice from a licensed financial adviser, broker, or tax professional who can consider your individual circumstances.

3. No fiduciary relationship

Your use of the Service does not create any fiduciary, advisory, agency, or other special relationship or duty between you and Orin. Orin does not act as a fiduciary to you and owes you no fiduciary obligations. We do not manage assets, hold customer funds or securities, execute trades, or take custody of anything you own.

4. Accuracy, timeliness, and completeness of the research

Orin's research is generated from third-party data sources and, in part, by automated and artificial-intelligence systems that summarize and score large volumes of source material. These processes are imperfect. The content on the Service may be delayed, incomplete, out of date, or wrong. Data feeds can lag or contain errors, source documents can be misread, and automated summaries and scores can contain mistakes, omissions, or “hallucinations.”

Market data and prices shown on the Service may be delayed and are not guaranteed to be accurate, complete, or suitable for trading. You should independently verify any information that matters to a decision against the primary source before relying on it.

5. Past performance

Where the Service shows how a company's price moved after an event, that history is shown for illustration only. Past performance is not a guarantee of, and is not indicative of, future results. Any such history does not reflect the outcome of any actual investment, and does not account for trading costs, taxes, timing, or your individual circumstances. No representation is made that you will or are likely to achieve results similar to any figure shown.

6. Your account

You must be at least 18 years old and able to form a binding contract to use the Service, and you may use it only for your own personal, non-commercial purposes. You may not use the Service if you are barred from doing so under the laws of the United States or any other applicable jurisdiction, including U.S. economic-sanctions laws. You can sign up with an email address and password or with Google; sign-in is handled by our identity provider, Amazon Cognito. You are responsible for the accuracy of your account information, for keeping your credentials confidential, and for all activity that occurs under your account. You can turn on two-step verification (an authenticator app) in Settings. Notify us promptly if you believe your account has been compromised.

7. Orin Pro — subscription, trial, and payment

Plans and price. Orin Pro costs US$29 per month or US$290 per year. Prices are in U.S. dollars. Sales tax, VAT, or GST is added at checkout where it applies, based on your location.

Free trial; card up front. A new Orin Pro subscription starts with a 3-day free trial. You must enter a payment card to start it. Nothing is charged during the trial. When the trial ends, your card is charged automatically for the plan you chose (US$29 for monthly, US$290 for yearly, plus any tax) unless you cancel before the trial ends. We email you about 24 hours and about 6 hours before the trial ends.

Automatic renewal. After the trial, your subscription renews automatically at the end of each billing period — every month or every year — and your card is charged the then-current price plus any tax, until you cancel.

Cancelling. You can cancel at any time in Settings → Plan & billing → Manage or cancel, which opens Stripe's customer portal. Cancellation takes effect at the end of the current period: during the trial, you keep access until the trial ends and are not charged; on a paid plan, you keep Orin Pro until the end of the period you have paid for, and you are not charged again. After that, your account moves to the Free plan (5 companies and 10 questions a month), and your saved data stays.

Failed payments. If a renewal payment fails, you keep Orin Pro while Stripe is still trying to collect it, and you can update your card from the same Settings link. If the payment cannot be collected, your subscription ends and your account moves to the Free plan.

Refunds. Payments are non-refundable, including for partially used periods, except where the law requires otherwise or where you were charged in error. If you think a charge is wrong, email support@orin.finance within 60 days of the charge.

Who processes your payment. Payments are processed by Stripe. Orin uses Stripe Managed Payments, under which Stripe acts as the merchant of record for your purchase: Stripe sells the subscription to you on our behalf, calculates and collects any sales tax, issues the receipt, and handles payment disputes. Your purchase is also subject to the terms Stripe presents at checkout. Orin never receives or stores your full card number.

Price changes. We may change the price of Orin Pro. A new price applies to an existing subscription only from the start of a billing period that begins at least 30 days after we notify you by email, so you have time to cancel before you are charged the new price.

Changing plans. You can switch between monthly and yearly in the customer portal; the change is prorated. If you switch during the free trial, the trial ends and the new plan is charged at once — the portal shows the amount before you confirm.

8. Brokerage connections and portfolio data

The Service lets you record your holdings in two ways: by entering them manually, or by connecting a brokerage account through Plaid, our third-party data-connectivity provider. If you choose to connect a brokerage account, you authorize Orin to receive read-only information about that account — such as your holdings, positions, and balances — so that the Service can organize and personalize the research you see.

Orin can never place trades, move money, or transact on your behalf through any connection. A brokerage connection is read-only, and you can disconnect it at any time. Your use of Plaid is also subject to Plaid's own end-user terms and privacy policy. Holdings information is used to personalize your experience; it does not turn Orin's general research into personalized investment advice.

9. Your content

The questions you ask, the screens and alerts you set up, the companies you follow, and the holdings you enter (“Your Content”) remain yours. You grant Orin a limited, non-exclusive, worldwide, royalty-free license to host, store, process, transmit, and display Your Content, including through the service providers described in our Privacy Policy, solely to provide, maintain, secure, and support the Service for you. This license ends when Your Content is deleted from the Service, except for copies kept for the periods the Privacy Policy describes. You are responsible for Your Content and confirm that you have the right to provide it.

If you send us suggestions or feedback about the Service, we may use them without restriction or any obligation to you.

10. Email

By creating an account you agree that we may send you transactional email needed to run your account — verification and sign-in codes, billing notices such as trial-ending reminders, and account notices. We also send a weekly digest unless you turn it off, and other email, such as watchlist alerts, only if you switch it on; you control both in Settings, and every non-essential email has a one-click unsubscribe. Our email is sent from orin.finance addresses through Resend; Stripe may also email you receipts and payment notices directly.

11. Acceptable use

You agree that you will not, and will not attempt to:

• use the Service in violation of any applicable law or regulation, including securities laws;
• scrape, harvest, resell, redistribute, or commercially exploit Orin's research output or data except as expressly permitted;
• reverse engineer, interfere with, overload, or attempt to gain unauthorized access to the Service or its underlying systems;
• use the Service to provide investment advice to others, to operate an advisory or brokerage business, or in any way that would require Orin or you to register as a regulated entity;
• misrepresent the Service's output as personalized advice, or remove or obscure any disclaimer;
• use automated means (such as bots or scripts) to access the Service, create accounts, or get around usage limits, or share your account credentials with others.

12. Intellectual property

The Service, including its research output, scores, text, design, software, and trademarks, is owned by Orin or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal, non-commercial research. Underlying source data (such as SEC filings) may be subject to the rights and terms of the third parties that provide it.

13. Third-party services and links

The Service relies on and may link to third-party services and data providers (including those named in our Privacy Policy). We do not control and are not responsible for third-party services, their content, or their availability. Your use of a third-party service is governed by that party's own terms. Market data, filings, and other third-party data shown on the Service are provided by their licensors for your personal use on the Service only, and may not be copied or redistributed.

14. Changes to the Service

We are continually improving the Service. We may add, change, or remove features, data sources, companies covered, and the allowances of the Free plan, and we may suspend the Service for maintenance or for reasons outside our control. If a change materially reduces what you have paid for, we will tell you in advance where we reasonably can, and you may cancel as described in Section 7 and ask us for a refund of the unused part of the period you paid for.

15. Disclaimer of warranties

The Service and all research, data, scores, and other content are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory. To the fullest extent permitted by law, Orin disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. Orin does not warrant that the Service will be uninterrupted, timely, secure, error-free, or that any content is accurate, complete, reliable, or current. No advice or information obtained from the Service creates any warranty not expressly stated in these Terms.

16. Limitation of liability

To the fullest extent permitted by law, in no event will Orin or its founders, officers, employees, agents, or suppliers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or investment losses, arising out of or relating to your use of — or inability to use — the Service, whether based in contract, tort, negligence, strict liability, or otherwise, even if Orin has been advised of the possibility of such damages. To the fullest extent permitted by law, Orin's total aggregate liability for all claims relating to the Service or these Terms will not exceed the greater of (a) the fees you paid for the Service, whether to Orin or to Stripe as merchant of record, in the twelve months before the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the above may not apply to you. In that case, our liability is limited to the greatest extent permitted by law.

17. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Orin and its affiliates, founders, officers, directors, employees, and agents from any third-party claims, losses, liabilities, and expenses (including reasonable legal fees) arising out of your misuse of the Service, your violation of these Terms, or your violation of any law or the rights of a third party.

18. Ending your account

You can stop using the Service at any time. To delete your account and your data, email support@orin.finance from the address on the account; we delete it, usually within 48 hours and in any case within 30 days (see the Privacy Policy for what is deleted and what we must keep). Deleting your account does not by itself cancel a paid subscription in Stripe — cancel it in Settings first, or ask us to and we will. We may suspend or end your access if you breach these Terms or to protect the Service or its users. If we end a paid subscription for a reason other than your breach of these Terms, we will refund the unused part of the period you paid for. Provisions that by their nature should survive — including disclaimers, limitations of liability, and indemnification — will survive.

19. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the effective date above. If a change is material, we will notify you by email or in the Service at least 14 days before it takes effect, unless the change is required by law or only concerns new features, in which case it may take effect sooner. If you do not agree to an updated version, stop using the Service and cancel any subscription before it takes effect; if you keep using the Service after that, the updated Terms apply to you.

20. Governing law and disputes

Governing law. These Terms, and any dispute or claim arising out of or relating to them or to the Service, are governed by the laws of the State of Delaware, United States, and applicable U.S. federal law, without regard to conflict-of-laws rules.

Talk to us first. Before starting any legal proceeding, you agree to email support@orin.finance with a description of the dispute and to give us 30 days to try to resolve it informally. We will do the same for you, using the email address on your account.

Where disputes are heard. Any dispute that is not resolved informally will be brought exclusively in the state or federal courts located in the State of Delaware, and you and Orin consent to the personal jurisdiction of those courts. Either of us may instead bring an individual claim in a small-claims court that has jurisdiction over it.

Your consumer rights. Nothing in this Section takes away any protection you have under the mandatory consumer-protection laws of the state or country where you live, including any right to bring a claim in your local courts that those laws give you.

21. General

Entire agreement. These Terms, together with our Privacy Policy and any terms shown to you when you subscribe, are the entire agreement between you and Orin about the Service and replace any earlier agreement on that subject.

Severability and waiver. If any provision of these Terms is found unenforceable, it will be enforced to the maximum extent permitted and the rest of these Terms will remain in effect. Our failure to enforce a provision is not a waiver of our right to do so later.

Assignment. You may not assign or transfer these Terms or your account without our written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of all or part of our business, on notice to you.

Events beyond our control. We are not responsible for any delay or failure to perform caused by events beyond our reasonable control, including failures of data providers, hosting, or networks, natural disasters, and acts of government.

Electronic notices. You agree that we may give you agreements, notices, and other communications electronically, by email to the address on your account or in the Service, and that they satisfy any requirement that they be in writing.

No third-party beneficiaries; relationship. These Terms do not give any right to anyone other than you and Orin. Nothing in them creates a partnership, joint venture, employment, or agency relationship. Section headings are for convenience only.

22. Contact

Questions about these Terms can be sent to support@orin.finance.