Legal
The complete set of legal documents for Schmatz. Click through to any page below. All documents reference each other where relevant; you can also start with the Terms of Service or the Disclaimer and follow links from there.
- Terms of service →
The agreement between you and Schmatz. Acceptable use, intellectual property, no warranties, limitation of liability, and termination.
- Disclaimer & risk notice →
Not investment advice. Hypothetical research only — honest accounting of our backtests and their caveats, plus our general research design and counsel-review caveat.
- Privacy policy →
What we collect, why, where it lives, how long we keep it, your rights, and the California-specific addendum.
- Cookies & tracking →
The short inventory: necessary Auth.js cookies and local browser preferences. No third-party analytics or advertising trackers; privacy-safe first-party controls are explained clearly.
- Do not sell or share →
The standalone statement: we do not sell or share personal information, and how to submit a privacy request.
- Security overview →
A current summary of authentication, transport, storage, access controls, incident response, and certifications we do not claim.
- Data sources & licensing →
Where market, filing, and macroeconomic data comes from; what reaches your browser; and the coverage, freshness, and provider-rights limitations that apply.
- DMCA notice →
How to send a copyright takedown notice, how to send a counter-notice, our repeat-infringer policy, and the current status of our DMCA agent registration.
- Accessibility statement →
Our WCAG 2.2 AA goal, known limitations of the current release, and how to report accessibility blockers.
- Refund policy →
What applies while checkout is disabled, plus cancellation, first-charge refunds, and billing-error handling if paid subscriptions launch.
- Legal & privacy contact →
How to contact the operator about privacy rights, legal questions, security reports, accessibility blockers, or copyright concerns.
For the curious
The legal pages above reference specific statutes, court cases, and regulations, with direct links to public sources — Cornell LII for U.S. Code, the Washington State Legislature for the RCW, and Justia for case law — so you can verify the law we relied on. Schmatz is an independent research project; these pages are written in good faith and have not been reviewed by an attorney. If anything here needs clarifying, please get in touch.