Terms of Service

Last updated: August 8, 2026. These Terms of Service govern your access to and use of SuMarket (including the website at sumarket.info and the SuMarket iOS application), operated by SuMarket LLC, a limited liability company registered in Indiana. By accessing or using SuMarket, you agree to be bound by these Terms. If you do not agree, do not use the service.

SuMarket is offered from the United States and is directed only to users located in the United States. We do not target, market to, or offer the service in the European Economic Area, the United Kingdom, or Switzerland. If you access SuMarket from outside the United States, you do so on your own initiative and are responsible for compliance with your local law, and the service may not be suitable or available there.

SuMarket is available only to users 18 years of age or older. By using this service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

All market briefings, summaries, and AI tool responses on SuMarket are generated by AI language models. This content may be inaccurate, outdated, incomplete, or reflect AI errors. SuMarket LLC does not guarantee the accuracy, completeness, or timeliness of any AI-generated content.

• SuMarket Pro is a paid subscription billed monthly at $9.99/month. All prices are in USD and are subject to applicable taxes.
• Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date.
• You may cancel at any time. Where you cancel depends on where you bought: a subscription purchased on the website is cancelled through the billing portal linked from your Profile, and a subscription purchased in the iOS app is cancelled through your Apple ID (Settings → your name → Subscriptions). We cannot cancel an Apple-billed subscription on your behalf. Cancellation takes effect at the end of your current billing period — you retain Pro access until then.
• Except where required by law, subscription fees are non-refundable and we do not provide partial-period refunds. Refunds for purchases made through the iOS app are handled by Apple under Apple's own policies; SuMarket LLC cannot issue them.
• We reserve the right to change subscription pricing. We will provide at least 30 days' advance notice of any price changes. Your continued subscription after the effective date constitutes acceptance of the new price.
• Payments are processed by Stripe, Inc. SuMarket LLC does not store your payment card details. Stripe's terms apply to all payment processing.
• If you subscribe through the SuMarket iOS app, your subscription is instead billed through your Apple ID via Apple's In-App Purchase system at the same $9.99/month price, and Apple's own Terms of Service and Privacy Policy govern that payment. Payment will be charged to your Apple ID account at confirmation of purchase, and your subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period, at the same price you were charged for the original subscription period. You can manage your subscription and turn off auto-renewal at any time by going to your Apple ID Account Settings after purchase, or via Settings on your device.
• SuMarket does not offer an individual student discount. Discounted access is available only to student clubs and organisations, purchased per semester on a single invoice; see the club plans page. The individual .edu discount previously described here was withdrawn on 3 August 2026 and no subscriptions remained on it.

SuMarket includes engagement and learning features — reading streaks, streak freezes, XP points, badges, and your personal glossary's review schedule and progress. These are promotional features with no cash or monetary value; they are not currency, property, or an account balance, cannot be sold, exchanged, or redeemed for money, and may be modified, rebalanced, or discontinued at any time at our sole discretion. Attempting to manipulate XP, streaks, or learning progress through automation, multiple accounts, or exploitation of errors may result in removal of these features or account termination.

The paper-trading feature uses entirely virtual funds. Virtual balances, positions, and returns have no monetary value, do not represent real securities positions, and cannot be withdrawn, transferred, or converted to real money. Simulated performance does not reflect the costs, liquidity, or execution of real trading and is not indicative of real trading results.

• Free plan — Personal, non-commercial use only. You may view, read, and share briefings for personal educational purposes, follow up to 5 subjects or companies, and run one AI study tool (Quiz, Ask Anything, Flashcards, and others) per day. Briefings are shown in full on the free plan. You may not use Free plan content for commercial purposes, client work, publications, or revenue-generating activities.
• SuMarket Pro — Active Pro subscribers are granted the study courses and flashcard decks, the AI study tools without the free plan's one-run-per-day limit, Sura on a monthly credit allowance (see Section 5a), up to 15 followed subjects and companies combined, filings and earnings alerts, paper trading, and Explain the Chart AI annotations. Pro is a personal, non-commercial licence, on the same terms as the free plan.
• No plan grants a licence to republish SuMarket content commercially. Briefings, summaries, AI tool outputs, and study material are for your own personal and educational use. You may quote briefly with attribution as permitted by law, but you may not reproduce, redistribute, syndicate, or publish SuMarket content — in whole or in substantial part — in any newsletter, report, feed, publication, or other product, whether or not you charge for it.
• You may not sublicense, resell, or redistribute SuMarket's platform, AI tools, or data feeds regardless of plan.

Sura, our in-app AI assistant, is included with Pro and is metered in credits rather than sold as unlimited. Each conversation turn spends credits according to the work it requires — a routine answer costs least, and live web search, quiz or flashcard generation, watchlist analysis and deep analysis cost progressively more. Your balance is shown in the app and resets at the start of each calendar month. When it is exhausted, Sura tells you and stops until the reset; the rest of Pro is unaffected. We may change the allowance or the per-request cost with notice, and we will not reduce it retroactively within a month you have already paid for.

The AI study tools (Quiz, Ask Anything, Flashcards, and the others) are not credit-metered for Pro, but all AI features remain subject to reasonable-use limits and to the rate limits necessary to keep the service available. Do not send account numbers, government identifiers, passwords, health information, or other sensitive personal data to Sura or any AI tool.

• You may not use automated tools, bots, scrapers, or scripts to access or extract content from SuMarket at scale.
• You may not circumvent, disable, or interfere with any security, access control, or subscription enforcement features.
• You may not impersonate SuMarket LLC or misrepresent that content was produced by SuMarket when it was not.
• You may not use SuMarket for any unlawful purpose or in violation of any applicable regulation.

SuMarket LLC owns all rights to the SuMarket platform, including its software, design, branding, trademarks, and trade dress. Subject to the license in Section 5, no content on SuMarket may be reproduced, copied, or redistributed without the prior written consent of SuMarket LLC. The SuMarket name and logo are trademarks of SuMarket LLC.

SuMarket respects the intellectual property rights of others. Our briefings summarise and link to reporting published by third parties; we do not reproduce their articles. If you believe material available through SuMarket infringes your copyright, send a written notice to contact@sumarket.info with the subject line “Copyright Notice” including: (1) your physical or electronic signature; (2) identification of the copyrighted work you claim is infringed; (3) identification of the material you claim is infringing and where it appears on SuMarket, in enough detail for us to locate it; (4) your address, telephone number, and email address; (5) a statement that you have a good-faith belief the use is not authorised by the copyright owner, its agent, or the law; and (6) a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorised to act on their behalf.

We will review complete notices promptly and may remove or disable access to the material identified. If you believe material was removed in error, you may send a counter-notice to the same address containing the corresponding statements required by 17 U.S.C. §512(g). We may terminate the accounts of users who are repeat infringers.

Publishers: if you would prefer that SuMarket not summarise or link to your reporting, write to contact@sumarket.info and we will exclude your domain from our sources.

SuMarket LLC reserves the right to suspend or terminate your account at any time for violation of these Terms, without refund. You may delete your account at any time using the Delete Account option in your Profile — this immediately and permanently removes your personal data, usage history, saved content, and subscription record from our live systems. Encrypted operational backups are retained on a rolling 14-day cycle and are overwritten in the ordinary course, so deleted data may persist in backup for up to 14 days; backups are not used to restore a deleted account and are not accessed except to recover from a system failure. If you have an active paid subscription, deleting your account will cancel it; any remaining paid period is forfeited and is non-refundable.

SUMARKET IS PROVIDED 'AS IS' AND 'AS AVAILABLE' WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY CONTENT IS ACCURATE OR COMPLETE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SUMARKET LLC AND ITS MEMBERS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE. SUMARKET LLC'S TOTAL LIABILITY TO YOU FOR ANY CLAIM SHALL NOT EXCEED THE GREATER OF $10 OR THE AMOUNT YOU PAID TO SUMARKET LLC IN THE 12 MONTHS PRECEDING THE CLAIM.

You agree to indemnify and hold harmless SuMarket LLC and its members, officers, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the service, your violation of these Terms, or your violation of any third-party rights.

SuMarket LLC reserves the right to modify, suspend, or discontinue any aspect of the service at any time. We are not liable to you for any modification, suspension, or discontinuation of the service.

These Terms are governed by the laws of the State of Indiana, United States, without regard to conflict of law principles.

• Talk to us first. Before starting arbitration, you agree to send a written notice of dispute to contact@sumarket.info describing the claim and the relief you want, and to give us 45 days to resolve it informally. If we have a dispute with you, we will send the same notice to your account email. Many problems are settled at this step, and the limitation period is paused while it runs.
• Agreement to arbitrate. After that 45-day period, you and SuMarket LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of SuMarket will be resolved by binding individual arbitration, rather than in court, except that either party may bring an individual claim in small claims court and either party may seek injunctive relief in court for infringement or misuse of intellectual property. This arbitration agreement survives termination of your account.
• You can opt out, and it costs you nothing. If you do not want to be bound by this arbitration agreement and class action waiver, email contact@sumarket.info with the subject line “Arbitration Opt-Out” and your account email within 30 days of first accepting these Terms (or within 30 days of the date above, if that is later). Opting out affects nothing else — your account, your subscription, and your access are unchanged, and we will not treat it as a reason to close or restrict your account.
• Who pays. For any claim where the amount in dispute is $10,000 or less, SuMarket LLC will pay all arbitration filing, administration, and arbitrator fees beyond the first $100, which is what you pay if you are the party filing. Each side bears its own attorneys' fees unless the arbitrator awards them under applicable law. Nothing in these Terms requires you to pay fees that would make bringing your claim more expensive than bringing it in court.
• Class action waiver. You and SuMarket LLC agree that any arbitration or claim will be conducted only on an individual basis and not as a class, collective, consolidated, or representative action. Neither you nor SuMarket LLC may bring a claim as a plaintiff or class member in any purported class, collective, or representative proceeding.
• Arbitration procedure. Arbitration will be administered by a recognized arbitration provider under its rules for consumer disputes then in effect. Unless you and SuMarket LLC agree otherwise, any hearing will be held by videoconference or telephone, or in the county where you live if you request an in-person hearing — you will not be required to travel to Indiana to bring a claim. The arbitrator's decision will be final and binding, and judgment may be entered in any court of competent jurisdiction.
• If mandatory pre-dispute arbitration or a class action waiver is unenforceable under the law of your state of residence, or if you validly opt out above, this arbitration agreement and class action waiver do not apply to you, and any dispute arising from these Terms or your use of SuMarket will instead be resolved exclusively in the state or federal courts located in Monroe County, Indiana, and you consent to personal jurisdiction therein — except where applicable law entitles you to bring a claim in the courts of your own country or state of residence, or provides you with mandatory consumer-protection rights that these Terms cannot override, in which case those rights and that forum remain available to you.

These Terms, together with the Privacy Policy and the Financial Disclaimer, which are incorporated into these Terms by reference, constitute the entire agreement between you and SuMarket LLC regarding the service and supersede all prior agreements.

• Severability. If any provision of these Terms is found unenforceable or invalid by a court or arbitrator of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms will remain in full force and effect.
• Waiver. No waiver of any term of these Terms will be deemed a further or continuing waiver of that term or any other term, and SuMarket LLC's failure to assert any right or provision under these Terms will not constitute a waiver of that right or provision.
• Assignment. You may not assign or transfer these Terms or your account without SuMarket LLC's prior written consent. SuMarket LLC may assign these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets.
• Force majeure. SuMarket LLC will not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, riots, labor disputes, internet or telecommunications failures, or third-party service outages (including our hosting, payment, or AI infrastructure providers).
• Notices. We may provide notices to you by email to the address associated with your account, or by posting on sumarket.info or within the app. Notices to SuMarket LLC should be sent to contact@sumarket.info.

This Section 16 applies only if you obtained the SuMarket iOS app through the Apple App Store.

• This is an agreement between you and SuMarket LLC only, not Apple Inc. Apple is not a party to these Terms and is not responsible for the SuMarket app or its content.
• Your license to use the SuMarket app is a nontransferable license to use it on any Apple-branded product that you own or control, as permitted by the App Store's Usage Rules.
• SuMarket LLC, not Apple, is solely responsible for providing maintenance and support for the app. Apple has no obligation whatsoever to furnish any maintenance or support services for it.
• In the event the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the applicable app purchase price to you, if any; to the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the app, and any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to a warranty are SuMarket LLC's sole responsibility, as further described in Section 9 above.
• SuMarket LLC, not Apple, is responsible for addressing any claims by you or any third party relating to the app or your possession or use of it, including product liability claims, claims that the app fails to conform to any legal or regulatory requirement, and claims arising under consumer protection or similar legislation.
• SuMarket LLC, not Apple, is responsible for the investigation, defense, settlement, and discharge of any claim that the app or your possession or use of it infringes a third party's intellectual property rights.
• You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a 'terrorist supporting' country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms as they relate to your use of the SuMarket iOS app, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary of these Terms.

SuMarket LLC · contact@sumarket.info · 619 980 1185 · Bloomington, IN 47401