Terms of Use

Last updated November 14, 2026

These Terms of Use ("Terms") are an agreement between you and InvestorChatter, Inc. ("we", "us"), which operates PnF Live at pnflive.com (the "Service"). By creating an account or using the Service, you agree to these Terms, our Privacy Policy and our Acceptable Use Policy. If you don't agree, please don't use the Service.

1. What PnF Live is

PnF Live shows live intraday Point & Figure charts and marks chart patterns and signal levels on them, along with related market data and educational material. It is a charting and information tool. It does not place trades, hold money or manage accounts.

2. Not investment advice

Nothing on PnF Live is investment, financial, legal or tax advice, or a recommendation to buy, sell or hold any security. Words such as "buy signal", "sell signal" and "Get Out of Dodge" describe chart patterns under the classic Point & Figure method. They are not instructions or personal recommendations. We are not a registered investment adviser or broker-dealer, and we don't know your finances, goals or tolerance for risk.

Day-trading is risky. You can lose some or all of the money you trade, and past chart patterns don't predict future results. Every trading decision you make is yours alone, and you are responsible for it. Consider talking to a licensed professional before you trade.

3. Market data

Prices and other market data come from third-party providers. Data can be delayed, interrupted, incomplete or wrong, and charts and signals built on it inherit those problems. We don't guarantee that any data, chart or signal is accurate, complete or on time. Don't rely on the Service as your only source of prices, and always confirm prices with your broker before you trade.

4. Your account

You must be at least 18 years old and able to form a binding contract to use the Service. Give us a real email address and keep your password private. Each account is for one person. You're responsible for everything that happens under your account. Tell us right away through the Contact Us page if you think someone else has used it.

5. Free trial and subscriptions

New accounts get a free 14-day trial of the Service. We don't ask for payment details to start a trial. To keep using the Service after the trial, you'll need to choose a paid plan, and its price and billing terms will be shown to you before you're charged. We may change plans and prices in the future. If we do, we'll tell you in advance, and the change will apply from your next billing period.

6. Acceptable use

Use the Service only for your own personal trading research and only as our Acceptable Use Policy allows. In particular, don't copy, scrape, resell or redistribute the charts, signals or market data.

7. Our content and intellectual property

The Service, including its software, design, charts, signal markings, Knowledge Base articles and the PnF Live name and logo, belongs to us or our licensors and is protected by law. We give you a limited, personal, non-transferable licence to use the Service while your account is in good standing. We keep all other rights.

8. Feedback

If you send us ideas or suggestions, we may use them freely and without owing you anything.

9. Availability and changes

We work to keep PnF Live running during market hours, but we don't promise it will always be available or free of errors. We may add, change or remove features, and we may pause the Service for maintenance.

10. Suspension and cancellation

You can stop using the Service at any time and ask us to close your account. We may suspend or close an account that breaks these Terms or the Acceptable Use Policy, or that puts the Service or other users at risk.

11. Disclaimer of warranties

The Service is provided "as is" and "as available". To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement.

12. Limitation of liability

To the fullest extent the law allows, we are not liable for any trading losses, lost profits, or indirect, incidental, special, consequential or punitive damages arising from your use of the Service or from any data, chart or signal, even if we were told such losses were possible. Our total liability for any claim is limited to the amount you paid us for the Service in the 12 months before the claim, or US $100 if you paid nothing.

13. Indemnity

You agree to cover us for claims, losses and costs (including reasonable legal fees) that come from your misuse of the Service or your breach of these Terms.

14. Changes to these Terms

We may update these Terms. When we do, we'll change the date at the top of this page, and for significant changes we'll also tell you by email or on the site. If you keep using the Service after a change takes effect, you accept the updated Terms.

15. General

If any part of these Terms can't be enforced, the rest still applies. If we don't enforce a right straight away, we haven't given it up. These Terms, together with the policies they mention, are the whole agreement between you and us about the Service.

Questions about this page? Contact Us.