Terms of Service

Welcome to HoldLens. These Terms of Service (“Terms”) govern your use of holdlens.com (the “Service”) operated by HoldLens. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Not investment advice

HoldLens is not a registered investment adviser, broker-dealer, or financial planner. Nothing on this site is investment advice, a recommendation to buy or sell any security, or an offer to provide investment services. All content is for informational and educational purposes only. Do your own research and consult a licensed financial adviser before making any investment decision. Past performance does not predict future results.

2. Data source and accuracy

HoldLens surfaces data from publicly-filed SEC Form 13F disclosures and other public sources. 13Fs are filed with a 45-day delay, which means every position you see here was held as of the filing date, not the current moment. We make reasonable efforts to parse the data correctly but we make no warranty of accuracy, completeness, or timeliness. Use the raw SEC filings as the authoritative source if accuracy matters to you.

3. Permitted use

You may view, download, and reference the content for personal, non-commercial purposes. You may share links to HoldLens pages freely. You may not:

• Scrape or systematically extract data from the Service without written permission
• Reverse-engineer, decompile, or disassemble any part of the Service
• Use the Service to build a competing product
• Introduce malware, viruses, or harmful code
• Attempt to bypass rate limits or access controls
• Misrepresent your identity or the source of content

4. Intellectual property

The Service content (excluding raw SEC data, which is public domain) — including the ConvictionScore methodology, rankings, commentary, design, code, and brand — is owned by HoldLens and protected by copyright and other intellectual property laws. The HoldLens name and logo are trademarks. You may not use them without written permission.

5. Third-party content and links

The Service contains links to third-party websites and services (SEC EDGAR, Yahoo Finance, brokerage affiliates, etc.). We do not control these third parties and are not responsible for their content or practices. Their use is subject to their own terms and privacy policies.

6. Affiliate disclosure

HoldLens may earn referral commissions when you click certain links (e.g., brokerage sign-up links). These commissions help keep the core Service free. Affiliate links are always marked with rel=“sponsored” and an on-page disclosure. We only list services we would use ourselves.

7. Advertising

HoldLens displays advertisements via Google AdSense. Ads are clearly labeled. We do not review or endorse the content of ads. Clicking an ad takes you to a third-party site whose practices are outside our control. See our Privacy Policy for details on advertising cookies and how to opt out.

8. Accounts and email subscriptions

HoldLens currently does not require account creation for the core Service. If you subscribe to email alerts, you agree to receive those emails. You can unsubscribe at any time. You are responsible for keeping your email address accurate.

9. Pro subscriptions

Paid Pro subscriptions are billed in advance on a recurring basis. You can cancel at any time from your billing portal. Cancellations take effect at the end of the current billing period. Refund policy: pro-rated refund within 14 days, no refund after 14 days.

10. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOLDLENS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR INVESTMENT LOSSES ARISING FROM OR IN CONNECTION WITH YOUR USE OF THE SERVICE. IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID US (IF ANY) IN THE 12 MONTHS PRECEDING THE CLAIM.

12. Changes to the Service or Terms

We may modify, suspend, or discontinue any part of the Service at any time without notice. We may also update these Terms; when we do we will revise the “Last updated” date. Continued use of the Service after changes constitutes acceptance of the updated Terms.

13. Governing law

These Terms are governed by the laws of the Netherlands, without regard to conflict-of-law principles. Any dispute arising under these Terms will be resolved in the courts of the Netherlands.

14. Contact

Questions about these Terms? Email [email protected].

These Terms are provided for informational purposes and do not constitute legal advice.