Terms of Service

Effective date: July 25, 2026. These Terms of Service (“Terms”) are a binding agreement between you and Pruett Productions LLC, a Florida limited liability company governing your access to and use of BullPicks™ (the “Service”), including our website and mobile apps.BullPicks™ is operated by Pruett Productions LLC, a Florida limited liability company.

By creating an account, starting a subscription, or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

Important — not investment advice: BullPicks is a research and trade-journaling tool, with optional brokerage connection features described below. We are not a broker-dealer, investment adviser, financial planner, or fiduciary. We do not custody customer funds or securities, and we do not manage portfolios. Nothing in the Service is personalized investment advice or a recommendation to buy, sell, or hold any security. You are solely responsible for your own investment decisions.

1. Eligibility

You must be at least 18 years old (or the age of majority where you live, if higher) and able to form a binding contract. You may not use the Service where prohibited by law. You are responsible for ensuring your use complies with laws that apply to you.

2. The Service

• The Service provides automated research summaries, screening metrics, paper-performance views, and tools to log your own trades (My Trades).
• Optional broker shortcuts: you may enable shortcuts that open a third-party broker app or website with a ticker you choose. Shortcuts alone do not connect or access your brokerage account.
• Optional SnapTrade brokerage connect: where available, you may connect a supported brokerage through SnapTrade, a third-party service provider. Connecting is optional. If you connect, you authorize us to use SnapTrade to retrieve account summaries you allow and, where in-app trading is enabled, to transmit order instructions you submit to your broker. Your brokerage relationship remains between you and your broker (via SnapTrade). Bull Picks does not hold your funds or securities and does not act as your broker-dealer.
• Orders you submit through the Service are subject to your broker’s rules, market hours, buying power, and risk controls (including possible rejection). Quotes and impact estimates shown in-app are indicative only and may differ from the price you receive.
• For SnapTrade portal, connection, or brokerage trade issues, contact SnapTrade support and/or your broker. Use our Support page for Bull Picks account or product issues.
• Market data, scores, and AI-generated text are provided on a batch or snapshot basis unless we clearly state otherwise. They may be delayed, incomplete, or inaccurate. You must independently verify all information before acting on it.
• Past performance statistics (including paper or manual trade summaries) are historical or hypothetical and do not guarantee future results.
• Features may change, be limited, or be discontinued. We may perform maintenance that temporarily affects availability.

3. Your account

You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us promptly through our Support page if you suspect unauthorized access. We may suspend or terminate accounts that pose security or abuse risk.

On mobile, if you allow notifications, we may send Service-related alerts (such as trade hold-window reminders and brokerage order or connection updates). You can change notification permission in your device settings at any time. Signing out does not cancel notification permission; deleting your account removes stored push tokens as described in our Privacy Policy.

4. Subscriptions and billing

• Paid access is offered through auto-renewing subscriptions billed by the Apple App Store or Google Play (as applicable). Free trials may be offered as disclosed at sign-up.
• Payment, renewal, cancellation, and refunds are governed by the store’s terms. Cancel before the renewal date in your store account settings to avoid the next charge. Deleting the app does not cancel your subscription.
• Prices and trial length may change for new purchases as permitted by the store. Store checkout terms control if they conflict with this summary.
• We may grant promotional or referral-based access extensions as described in these Terms. Such access does not convert into a paid subscription unless you subscribe through the store.

5. Referral program

If you participate in our referral program, the following terms apply in addition to any in-app disclosure:

• You may share a personal referral link or code. New users may redeem a code within 7 days of creating an account, subject to program rules.
• You may not refer yourself, create duplicate accounts to obtain bonuses, or use misleading or spammy promotion. We may revoke bonuses and suspend accounts for abuse.
• When a referred user completes their first paid subscription charge (after any free trial, if applicable), the referring user may receive an additional 30 days of Service access, up to a lifetime maximum of 5 qualifying paid referrals per inviter.
• Referral bonuses have no cash value, are non-transferable, and may be modified or ended at any time. We may withhold or reverse bonuses obtained through fraud or violation of these Terms.

6. Acceptable use

You agree not to:

• Violate any law or third-party rights.
• Probe, scrape, crawl, or overload the Service without our written permission.
• Reverse engineer, copy, or resell the Service except as allowed by law.
• Interfere with security, authentication, or access controls.
• Misrepresent your affiliation with us or misuse our trademarks.
• Use the Service to provide regulated investment advice to others without proper licensure.

We may investigate violations and take action including suspension or termination.

7. Intellectual property

The Service, including software, design, text, and branding, is owned by us or our licensors and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use in accordance with these Terms. You retain ownership of content you enter (such as My Trades notes); you grant us a license to host and process that content solely to operate the Service.

8. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR SUPPLIERS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT RESEARCH OUTPUT WILL BE ACCURATE OR PROFITABLE.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, TRADING LOSSES, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (USD $100).

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by applicable law.

10. Indemnification

You will defend, indemnify, and hold harmless Pruett Productions LLC and its members, managers, officers, and agents from claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising from your use of the Service, your content, or your violation of these Terms, except to the extent caused by our gross negligence or willful misconduct.

11. Termination

You may stop using the Service at any time and may delete your account in the app. We may suspend or terminate your access if you breach these Terms or if we discontinue the Service. Sections that by their nature should survive (including disclaimers, limitations of liability, and governing law) will survive termination.

12. Governing law and disputes

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-law principles, except where mandatory consumer protections in your country of residence apply. Except where prohibited, you agree that disputes will be brought in the state or federal courts located in Florida, and you consent to their jurisdiction.

13. Changes

We may update these Terms. We will post the revised Terms with an updated effective date. Material changes may require renewed acceptance in the app. Continued use after the effective date constitutes acceptance where permitted by law.

14. Contact

Questions about these Terms: use our Support page. Account deletion: in-app Account → Delete account.