Sector Rotation Monitor

1. Acceptance of Terms

Sector Rotation Monitor ("the Service") is operated by Neremar Advisory Ltd (company number 08828600, registered in England and Wales). By creating an account or accessing the Service, you agree to be bound by these Terms & Conditions. If you do not agree, do not use the Service.

By using the Service you confirm you are 18 years of age or older. The Service is not intended for, and may not be used by, persons under 18.

2. Service Description

Sector Rotation Monitor is an information-only platform providing market data visualisation and analytical tools. The Service aggregates publicly available financial data and presents it through proprietary scoring and ranking methodologies. It is NOT investment advice.

3. No Investment Advice

Nothing on this website constitutes investment advice, financial advice, trading advice, or any other sort of advice. You should not treat any of the website's content as such. We do not recommend that any financial instrument should be bought, sold, or held by you. Do your own due diligence and consult your financial advisor before making any investment decision.

4. Guidance Only, Not to Be Relied Upon

All outputs, scores, rankings, signals, regime classifications, and other analytical results provided by the Service are general guidance only. They must not be relied upon as the sole basis for any investment decision. The Service is designed to support and inform your own independent analysis, not to replace it.

Some content on this platform, including blog posts and market commentary, may be generated or assisted by artificial intelligence. Such content is clearly derived from quantitative models and publicly available data and should be treated with the same caution as any other analytical output.

5. User Responsibilities

You are solely responsible for your own investment decisions. The Service provides data and analytical tools. The interpretation and use of that data is entirely at your own risk.

6. Account Security

You must keep your login credentials confidential and must not share your account with any other person. One account per person. You are responsible for all activity that occurs under your account.

7. Prohibited Use

You agree not to:

Scrape, crawl, or use automated tools to access the Service
Redistribute, resell, or republish any data from the Service
Reverse-engineer the scoring or ranking methodology
Share your account credentials with any third party
Use the Service for any unlawful purpose

8. Intellectual Property

All content, design, methodology, software, and code are the intellectual property of Sector Rotation Monitor and are protected by copyright and other intellectual property laws.

9. Data Sources

The Service aggregates data from third-party data providers. We do not guarantee the accuracy, completeness, or timeliness of any data. Data providers may change their terms or availability at any time.

10. No Warranty

If you are a consumer, nothing in these Terms takes away your legal rights, including that what you pay for, Premium and AI reading packs, is of satisfactory quality, fit for purpose and as described. Beyond those rights, the Service is provided "as is" and "as available" without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of Liability

Subject to the paragraph below, to the maximum extent permitted by applicable law the total liability of Neremar Advisory Ltd for any claim arising from or related to the Service shall not exceed the greater of (a) US$100 or (b) the total fees you have paid in the 12 months preceding the claim. Neremar Advisory Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill.

Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be limited or excluded under English law (including under the Consumer Rights Act 2015).

12. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Neremar Advisory Ltd, its directors, officers, and affiliates from third-party claims, damages, losses, or reasonable expenses (including legal fees) to the extent they arise from: (a) your breach of these Terms; (b) your misuse of the Service; or (c) your infringement of any third-party intellectual property or other rights. This indemnity does not apply to losses caused by our own negligence, wilful default, or breach of these Terms, and nothing in this clause limits any rights you have as a consumer that cannot lawfully be excluded.

13. Free Trial, Payment & Refunds

Paid plans begin with a 14-day free trial. No payment is taken during the trial, and you may cancel at any point before it ends without charge. By offering this trial we provide you with a no-risk way to evaluate the Service before committing, which we consider to satisfy your statutory cancellation rights under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

If you do not cancel before the trial ends, your subscription automatically converts to a paid plan and the payment method you provided will be charged for the first billing period. Stripe sends you reminder, renewal and payment notifications by email on our behalf.

Subscriptions are billed via Stripe. You may cancel at any time through the Stripe Customer Portal (linked from your account page); access continues until the end of the paid billing period. We do not provide refunds for partial billing periods, except where required by applicable law (for example, where the Service has been materially defective). Nothing in this section limits any non-excludable statutory rights you may have as a consumer, including under the Consumer Rights Act 2015.

13A. Extra AI Reading Packs

What a reading is. A reading is a summary of one stock, written by AI from the figures on that stock's page. It is general information, not advice (sections 3 and 4), and it can contain mistakes. A reading counts only when one is written for you: opening one already written for you that day does not count, and nor does a request that fails. Premium includes 20 readings each calendar month; unused ones do not carry over.

Buying a pack. Premium customers, including during the free trial, can buy extra readings in packs of 50 for US$5, including any VAT due where you live, as a one-off card payment through Stripe. You are charged in US dollars, so your card provider may add a conversion fee. A pack is not a subscription and nothing renews. You can buy up to 2 packs in any 30 days; a pack you cancel still counts towards this limit.

Using a pack. Your 20 included readings are used first, then your oldest pack. A pack lasts 6 months from the day you buy it; readings not used by then expire and are not refunded. If Analyse with AI is unavailable for long enough that you cannot use readings you paid for, email us and we will extend the pack or refund the unused readings.

Cancelling. Before you pay, you ask for your readings to be available straight away and acknowledge that once you use one, you lose your legal right to cancel that pack. We still give you this promise: within 14 days of buying a pack, if you have used none of its readings you can cancel it for a full refund, and if you have used some we refund the unused ones at 10 US cents each. Use the button beside the pack on your profile page, or email pavlos@sectorrotationmonitor.com. We refund within 14 days of your request, to the card you paid with. This applies only to AI reading packs. It does not apply to the Premium subscription, whose terms are in section 13.

Cancellation form. You do not have to use it, but you can cancel by sending this to pavlos@sectorrotationmonitor.com: “To Neremar Advisory Ltd: I cancel my AI reading pack bought on [date]. Name: [your name]. Account email: [the email you sign in with]. Date: [today's date].”

If your Premium ends. Pack readings need an active Premium plan. If your Premium ends, your unused readings are kept until the pack expires: you can restart Premium to use them, or get them refunded with one click on your profile page at any time before then. If you delete your account, or we close it for any reason other than your breach of these Terms, or we stop selling packs, we refund them automatically. A refund is the part of what you paid for the readings you have not used: 10 US cents a reading for a full pack. Refunds go back to the card you paid with; banks usually take 5 to 10 days to show them.

Disputes and other refunds. If you dispute a pack payment with your bank, that pack's unused readings are paused while the dispute is open, removed if the bank decides for you, and restored if it decides for us. A dispute about a pack does not affect your Premium plan. Any refund removes only that pack's unused readings, never readings already used.

Changes. A change to these Terms never reduces the readings, the 6 months or the refund rights of a pack you have already bought.

14. Free Trials

Free trials automatically convert to a paid subscription at the end of the trial period unless cancelled, as described in §13. We reserve the right to modify or discontinue trial programmes at any time, provided that any change does not affect a trial already in progress.

15. Termination

We may terminate or suspend your account at our sole discretion, with or without notice, for any reason including violation of these Terms. If we close your account for a reason other than your breach of these Terms, we refund any unused AI reading pack readings as described in section 13A.

16. Modification of Terms

We may update these Terms at any time. Continued use of the Service after changes constitutes acceptance of the modified Terms. Material changes will be communicated via email. Changes do not reduce what you get from an AI reading pack you have already bought (section 13A).

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you may bring a claim in the courts there.

18. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.