Terms of Service

By accessing or using MainRatios (“Service”, “we”, “us”, “our”), you (“User”, “you”) agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use the Service.

These Terms apply to the website at mainratios.com, associated subdomains, email communications, and all interactive features thereof.

MainRatios provides stock analysis tools including price-to-earnings ratio charts, financial ratios, sector analyses, and valuation frameworks inspired by the methodologies of well-known investors (Warren Buffett, Benjamin Graham, Peter Lynch, Joel Greenblatt, Charlie Munger, Howard Marks). All content is for educational and informational purposes only.

Fair value estimates, valuation signals (e.g. "undervalued", "overvalued"), quality grades, and other analytical outputs are computed via published methodologies. These outputs are algorithmic analyses of publicly available financial data and do not constitute a recommendation to buy, sell, or hold any security.

MainRatios is not a Registered Investment Adviser (RIA) under the Investment Advisers Act of 1940 or under the laws of any U.S. state or foreign jurisdiction. We do not hold a license to give personalized investment advice.

MainRatios operates as a financial publisher under the publisher's exemption to the Investment Advisers Act. Our content is impersonal, is distributed generally to all subscribers of the same tier, does not take your individual financial situation into account, and is not tailored to you.

If you require personalized financial advice, please consult a licensed Registered Investment Adviser, Certified Financial Planner, or other qualified professional in your jurisdiction.

Nothing on MainRatios constitutes financial, investment, tax, legal, accounting, or any other kind of professional advice. No fiduciary relationship, agency, or advisory relationship is created between MainRatios and any user.

All information, tools, valuations, signals, rankings, grades, and comparisons are provided as analytical output and should not be interpreted as recommendations, solicitations, offers, or endorsements to buy, sell, or hold any security.

Investing involves risk, including the potential loss of principal. You understand and agree that any investment decisions you make based on information derived from MainRatios are made solely at your own risk. Past performance of any security, strategy, or valuation methodology is no guarantee of future results.

You are solely responsible for your investment decisions, for conducting your own due diligence, and for determining whether any security is suitable for your financial situation, objectives, and risk tolerance.

Financial data displayed on MainRatios is sourced from third parties including Financial Modeling Prep (FMP) and U.S. Securities and Exchange Commission (SEC) filings. We make commercially reasonable efforts to ensure accuracy but provide no warranty or guarantee of completeness, accuracy, or timeliness.

Data may be delayed, incomplete, or subject to revision. Valuation outputs depend on input data and formula assumptions; reported outputs may differ from other published sources. Users should verify data independently before relying on it for any decision.

Valuation methodologies used on MainRatios are interpretations of the published works of well-known investors. These are not official models published or endorsed by those investors. No affiliation with or endorsement by Warren Buffett, Benjamin Graham, Peter Lynch, Joel Greenblatt, Charlie Munger, Howard Marks, or their respective firms is implied or should be inferred.

Published methodology is available at /methodology-investor-valuation.

Premium access is provided via Whop (our payments processor). Subscriptions renew monthly unless canceled. One-time lifetime purchases grant access for the duration of the Service. Refund policies are governed by Whop's terms of service and applicable consumer protection law.

MainRatios reserves the right to modify premium features, pricing, or tiers with prior notice to active subscribers.

You may not:

• Use automated tools, bots, or scrapers to access the Service without written permission
• Resell, redistribute, or republish MainRatios data or analyses
• Reverse-engineer, decompile, or extract the underlying formulas or code
• Use the Service for any unlawful, fraudulent, or abusive purpose
• Impersonate another person or misrepresent your affiliation
• Share or resell your account credentials
• Circumvent usage limits, paywalls, or access controls

All content on MainRatios — including analyses, valuations, rankings, articles, code, and design — is the property of MainRatios or its licensors and is protected by copyright, trademark, and other applicable laws. You may view and print reasonable portions for personal, non-commercial use. Any other use requires prior written permission.

You must be at least 18 years old to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately at [email protected] if you suspect unauthorized access.

We reserve the right to suspend or terminate accounts that violate these Terms, abuse the Service, or pose a security risk.

The Service integrates with third-party providers including Google (authentication), Whop (payments), FMP (financial data), AWS (hosting and infrastructure), PostHog (analytics), and advertising networks. Use of these providers is governed by their respective terms of service and privacy policies. MainRatios is not responsible for third- party services' conduct, availability, or content.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. MAINRATIOS MAKES NO WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT VALUATION OUTPUTS WILL PROVE TO BE ACCURATE OR PROFITABLE.

TO THE FULLEST EXTENT PERMITTED BY LAW, MAINRATIOS AND ITS OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE OR ANY INVESTMENT DECISION YOU MAKE BASED ON INFORMATION OBTAINED FROM IT.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO MAINRATIOS IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED U.S. DOLLARS (USD 100), WHICHEVER IS GREATER.

You agree to indemnify, defend, and hold harmless MainRatios and its officers, employees, agents, and licensors from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your investment decisions, your violation of these Terms, or your infringement of any third- party right.

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-law principles. You and MainRatios agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service (a "Dispute") shall be resolved exclusively through binding individual arbitrationadministered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by this section. The arbitration shall be conducted in English and may be held remotely or in Wilmington, Delaware, at your election.

Class action and jury trial waiver. You and MainRatios waive any right to a jury trial and any right to participate in a class action, collective action, or representative proceeding. The arbitrator may not consolidate claims of more than one person and may not preside over any form of representative or class proceeding.

30-day right to opt out of arbitration. You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days of the date you first accept these Terms or first create a MainRatios account, whichever is earlier. The notice must include your full name, email address associated with your account, and a clear statement that you wish to opt out. Opting out of arbitration will not affect any other provision of these Terms.

Exceptions.Either party may bring an individual action in small-claims court for claims within that court's jurisdiction, and either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property rights. For any claim that a court of competent jurisdiction determines is not subject to arbitration, the exclusive venue shall be the state or federal courts located in the State of Delaware, and you consent to personal jurisdiction in those courts.

We may modify these Terms at any time. Material changes will be communicated by posting the updated Terms with a new "Last updated" date and, where required by law, by email notification. Continued use of the Service after changes constitutes acceptance of the updated Terms.

Questions about these Terms? Contact us at [email protected].