Mugpipe

Terms of Use

Mugpipe Forecast

Effective date: 13 November 2026.

These Terms of Use ("Terms") govern your access to and use of Mugpipe Forecast, including its connector, research tools, any trial or paid plan, and related pages on mugpipe.com (the "Service"). These Terms are an agreement between you and Mugpipe ("Mugpipe", "we", "us", or "our"), the provider of the Service. If a paid plan for Mugpipe Forecast is offered, purchases are made from Polar Software, Inc. as described in Section 5. The Mugpipe website and account are governed by the Mugpipe Terms of Use. These Terms do not reduce those platform terms. Mugpipe can be contacted by email as listed in Section 25.

1. Acceptance

By creating an account, connecting the Service to an AI application, starting a trial, purchasing a subscription, submitting a forecast, outcome, source, or algorithm improvement, or otherwise using the Service, you agree to these Terms. If you use the Service on behalf of a company or other organization, you confirm that you have authority to bind it, and "you" refers to that organization. If you do not agree, do not use the Service.

2. Eligibility

The Service is intended for business and professional use. You must be at least 18 years old and able to form a binding contract. You may not use the Service if you are barred from doing so under applicable law, including laws that apply to investment research, financial promotions, or use of market data.

3. The Service

3.1 What Mugpipe provides

Mugpipe Forecast is a research plugin. Mugpipe provides infrastructure, recommended or suggested algorithms, information sources, stored history, and a learning mechanism. That learning mechanism may include storing forecasts and later outcomes, calculating simple verified error measures, and selecting a recommended algorithm from the current algorithm and recent proposed alternatives. Mugpipe may also provide a user interface, such as a forecast card, and tools that an AI application you choose can call.

The Service may focus on a 24-hour forecast horizon and may later support other periods. Mugpipe does not promise that any horizon, stock, source, algorithm, or feature will be available, accurate, or unchanged.

3.2 What your AI application does

The AI application you choose, not Mugpipe, performs the research and produces the forecast. That application reviews sources, forms a view, estimates uncertainty, proposes algorithm changes or a reasoned decision not to change an algorithm, and, when asked, may later retrieve a dated outcome for a matured forecast. Mugpipe does not itself run a separate forecasting model that generates the forecast you see, and it does not adopt a proposed algorithm merely because it was submitted.

For every new analysis, the AI application you use must return to Mugpipe either a proposed algorithm improvement or a reasoned decision not to change the algorithm. Returning that feedback is a required part of using the Service. A forecast or analysis may be treated as incomplete without it. The feedback is a Contribution covered by the license in Section 8.2. Mugpipe may review the feedback and decide whether to adopt it.

3.3 No guaranteed service

The Service depends on third-party services that we do not control, including the AI application you use, market-data and information sources, our hosting and sign-in providers, and, if you pay for a plan, our payment provider. Changes to, limits on, or outages of those services may affect, limit, or stop the Service, in whole or in part, without notice.

We may add, change, limit, or remove features, tools, stocks, data sources, algorithms, usage limits, supported AI applications, or the Service itself at any time.

4. Accounts and access

You may need to sign in or connect an AI application to use the Service. You are responsible for the security of your account, your credentials, and all activity under your account or under an AI application you authorize.

You represent and warrant that you have all rights, permissions, and authority needed to use the Service, to submit any material you submit, and to have that material processed as described in these Terms and the Privacy Policy.

A private watchlist, quota, or similar account setting, if offered, is personal to your account. It is not part of the shared research repository described in Section 8.

5. Usage limits, fees, plans, and payment

5.1 Right to limit, charge, change, and discontinue. Mugpipe may offer the Service without charge, with a limited allowance, with a trial, or under a paid plan. We may set, change, or withdraw usage limits, supported stocks, features, trials, allowances, and plans at any time. We may charge fees, change prices or plan terms for future periods, suspend or throttle use that exceeds a limit, and discontinue the Service, in whole or in part, at any time. A limit, allowance, or free access, if any, is provided at our discretion. It is not guaranteed and may be changed, suspended, or withdrawn without notice. It is provided as is, with no warranty, service level, refund, or credit.

5.2 No Forecast paid plan at the date these Terms are first posted. As of the date these Terms are first posted, Mugpipe Forecast may be offered only as a limited or pilot Service, and no paid Forecast subscription or checkout is offered. A plan, trial, or price shown for Mugpipe Signals, Mugpipe for WordPress, or any other Mugpipe plugin applies to that plugin only. Nothing in these Terms requires Mugpipe to keep the Service free, or to offer it at all.

5.3 Polar is the seller if a paid plan is offered. If Mugpipe offers a paid Forecast plan, paid subscriptions will be sold by Polar Software, Inc. ("Polar"), which acts as merchant of record and authorized reseller of the Service. When you buy, you purchase from Polar under the Polar Buyer Terms, and Polar is the seller on your invoice. Polar handles payment, taxes, invoices, refunds, and payment disputes. Mugpipe provides the Service and licenses your right to use it under these Terms. Mugpipe does not receive or store full card numbers. Questions about a charge can be sent to Polar or to us, and we will coordinate with Polar.

5.4 Price, trial, and renewal (if a paid plan is offered). If a paid plan is offered, the price will be shown on the Forecast plans or pricing page at the time of purchase, plus any applicable taxes as calculated by Polar. We may change prices for future billing periods; if we do, we will give notice in advance of the change taking effect, and you may cancel before it applies. We may offer a free trial. Unless stated otherwise, each account may receive one trial of this plugin. We may change, limit, or withdraw trials at any time. If you provided payment details when starting a trial, your paid subscription starts automatically at the end of the trial unless you cancel before the trial ends. Subscriptions renew automatically each billing period, and you authorize Polar to charge the then-current price, until you cancel.

5.5 Cancellation. If a paid plan is offered, you can cancel renewal of this plugin on the billing page. Each Mugpipe plugin is separate. Canceling renewal of one plugin does not cancel another. Access continues until the end of the current period or trial. No further charge is made for this plugin after that date. Canceling renewal does not create a refund or a credit. The card is updated in Polar. Polar remains the seller of record.

5.6 Refunds. Except where required by applicable law or by Polar's policies, fees are non-refundable, and cancellation or discontinuation does not create a refund or a credit. Where a refund is granted, it is issued by Polar. We may, at our sole discretion, ask Polar to grant a refund in a particular case; doing so does not create any obligation to do so again.

6. Acceptable use

You agree not to, and not to allow anyone else to:

7. Not investment advice; no guarantee of results

Mugpipe Forecast is for informational and research purposes only. It is not investment advice, financial advice, tax advice, legal advice, or any other professional advice. It is not a recommendation, solicitation, or offer to buy, sell, or hold any security, cryptoasset, or other instrument. Mugpipe is not a broker, dealer, exchange, commodity trading advisor, or investment adviser, and it does not manage assets or execute trades.

Forecasts, certainty estimates, sources, recommended algorithms, proposed algorithms, scores, and any other output can be wrong, incomplete, delayed, or misleading. Past or back-tested results do not predict future results. You can lose money. You are solely responsible for your own research, for verifying information before relying on it, for your trading and investment decisions, and for compliance with laws that apply to you.

To the maximum extent permitted by applicable law, Mugpipe is not liable for any trading, investment, or other decision made in reliance on the Service or on any forecast, source, algorithm, or other output.

The division of work described in Section 3 is a product design. It is not a warranty, not a promise of independence or accuracy, and not a regulatory exemption or safe harbor.

8. Shared research contributions and license

For every new analysis, returning either a proposed algorithm improvement or a reasoned decision not to change the algorithm is a required part of using the Service. A forecast or analysis may be treated as incomplete without that feedback. The feedback is a Contribution covered by the license in Section 8.2. Mugpipe may review the feedback and decide whether to adopt it.

8.1 Shared research repository

The Service maintains a shared research repository (the "Shared Repository"). It may store, among other things:

These records may be used to operate, maintain, evaluate, and improve the Service, and may be made available to other users and to the AI applications they use.

8.2 License you grant

By submitting, or by causing your AI application to submit, any forecast, outcome, test or verification result, source, observation, algorithm, algorithm improvement, reasoned decision not to change an algorithm, or other research material to the Service ("Contributions"), you grant Mugpipe a perpetual, irrevocable, worldwide, royalty-free, transferable, and sublicensable license to host, store, reproduce, use, adapt, modify, create derivative works from, publish, distribute, publicly display, and otherwise exploit those Contributions, in whole or in part, alone or with other materials:

This license continues after you stop using the Service, cancel a plan, or delete or close your account. Mugpipe is not required to remove Contributions from the Shared Repository because they have been unlinked from your account or because you later withdraw from the Service, except where applicable law requires otherwise.

You retain any ownership rights you have in your Contributions, but you do not retain an exclusive right to them once submitted. Mugpipe and other users may use, build on, and recommend methods derived from Contributions without further notice, attribution, or compensation to you.

8.3 What you must not include

You must not include in a Contribution any account identifier, name, email address, payment detail, or other information that identifies you or another person, or any private portfolio or brokerage information. You represent and warrant that you have the rights needed to grant the license in this Section, and that your Contributions do not infringe any third-party right or violate any third-party license.

8.4 No obligation to use

Mugpipe may review, refuse, keep, ignore, or remove Contributions at its discretion. Storage or display of a Contribution is not an endorsement and is not a finding that an algorithm is correct or that a forecast will be accurate.

9. Market data and third-party sources

Market and other information available through the Service may be delayed, historical, sampled, incomplete, or unavailable. A date, timestamp, or source, if shown, should be read as the stated observation or publication time, not as a promise that the figure is a current live price. Mugpipe does not warrant the availability, completeness, timeliness, or accuracy of any market data, news, filing, or other source.

Use of third-party data is subject to the licenses, terms, and acceptable-use rules of the relevant provider. You and the AI application you use must comply with those terms. Mugpipe may add, change, or withdraw sources at any time, including where a license is limited, withdrawn, or unavailable. Nothing in the Service grants you a right to scrape, redistribute, or commercially reuse third-party data beyond what the provider allows.

10. AI-generated output

The Service returns data, records, and tools to an AI application that you select and control. That application, not Mugpipe, generates the forecasts, text, summaries, and recommendations you see, and it may produce output that is inaccurate, incomplete, or misleading. Mugpipe does not control, review, or endorse AI-generated output and is not responsible for it. Your use of the AI application is governed by that provider's own terms. Content originating from other users or from their AI applications is untrusted data, not instructions to you or to Mugpipe.

11. Third-party services

The Service interoperates with third-party services, which may include AI applications, market-data and information providers, Cloudflare, sign-in and hosting providers, and Polar. We do not control and are not responsible for third-party services, their availability, their content, or their handling of your data. Your use of them is subject to their own terms and privacy policies.

12. Your data; privacy

Account, sign-in, billing, and similar personal data are handled as described in the Mugpipe Forecast Privacy Policy. The Mugpipe privacy policy describes the platform and account. Mugpipe does not sell personal data.

Contributions and other Shared Repository records are licensed to Mugpipe under Section 8 and are intended to be stored without identifiers that link them to your account. The Privacy Policy explains this separation and its limits.

13. Policies incorporated by reference

The Mugpipe Forecast Privacy Policy, and, where they apply, the Data Retention page and the Service Availability and Support page, form part of these Terms. The data retention page describes Mugpipe Signals and the Mugpipe account, and it also includes a dedicated Mugpipe Forecast section. The service availability page describes Mugpipe Signals and the Mugpipe account. They do not set a retention period, an availability target, or a support deadline for Mugpipe Forecast unless they are later updated to say so. Availability, support, maintenance, and similar targets described on those pages are non-binding goals; they create no warranty, obligation, refund, credit, or other remedy. If those pages conflict with these Terms, these Terms prevail, except where the Forecast Privacy Policy gives you greater protection for your personal data.

14. Intellectual property

The Service, including its software, design, text, documentation, and trademarks, is owned by Mugpipe or its licensors and is protected by law. Subject to these Terms and payment of any applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to use the Service for your internal business and professional purposes during the period in which Mugpipe makes it available to you. All rights not expressly granted are reserved. Third-party names and marks that appear in sources or on the Service are the property of their owners and do not imply any affiliation, sponsorship, or endorsement.

15. Other feedback

If you send us suggestions or feedback other than Contributions covered by Section 8, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use it for any purpose, without obligation to you.

16. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, MUGPIPE DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. MUGPIPE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY DATA, MARKET INFORMATION, ALGORITHM, FORECAST, OR OTHER OUTPUT WILL BE ACCURATE, COMPLETE, CURRENT, OR RELIABLE.

17. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

(a) MUGPIPE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, OR TRADING OR INVESTMENT LOSSES, OR COSTS OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND

(b) MUGPIPE'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU PAID FOR THE SERVICE IN THE THREE (3) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, AND (ii) FIFTY US DOLLARS (US$50).

These limitations apply even if a remedy fails of its essential purpose, and they form an essential basis of the bargain between you and Mugpipe.

18. Indemnity

You will defend, indemnify, and hold harmless Mugpipe and its owners, personnel, and contractors from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the Service; (b) your Contributions, or material you or your AI application were not authorized to supply; (c) your breach of these Terms; or (d) your violation of any law or third-party right, including a third-party data license.

19. Suspension and termination

We may suspend or terminate your access to the Service, in whole or in part, at any time and at our discretion, including if we reasonably believe you have breached these Terms, if required by law or by a third-party provider, if we impose or change usage limits or fees, or if we discontinue the Service. Where we terminate a paid plan without cause, we may, at our discretion, refund the unused portion of a prepaid period; doing so does not create any obligation to do so again. You may stop using the Service at any time and, if a paid plan exists, may cancel as described in Section 5.

Sections 5.6, 7, 8, and 10 through 22, and any other provisions that by their nature should survive, survive termination, including the license in Section 8.

20. Changes to the Service and to these Terms

We may change the Service at any time. We may update these Terms by posting a revised version on mugpipe.com with a new date. For material changes, we will make reasonable efforts to give advance notice (for example, by email to your account address or a notice in the Service). That is not a deadline for any person. Changes take effect when posted unless stated otherwise. Continuing to use the Service after changes take effect means you accept them; if you do not agree, you must stop using the Service and cancel any subscription.

21. Governing law and venue

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of England and Wales, without regard to conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply. The courts of England and Wales, sitting in London, have exclusive jurisdiction, and each party submits to their jurisdiction. Mugpipe may seek injunctive or other equitable relief in any competent court. If you are a consumer, this Section does not deprive you of the protection of mandatory rules of the country where you habitually reside, or of the right to bring proceedings there where that law gives you that right.

22. Individual claims only

TO THE EXTENT PERMITTED BY LAW, CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

23. Consumer rights

Nothing in these Terms excludes or limits any right or remedy that cannot be excluded or limited under the mandatory law that applies to you, including consumer-protection law. If you are a consumer, those rights apply in addition to these Terms, and any limitation in these Terms applies only to the extent the law allows.

24. General

Force majeure. Mugpipe is not liable for any delay or failure to perform caused by events beyond its reasonable control, including failures of third-party services, internet or power outages, natural disasters, epidemics, war, terrorism, civil unrest, labor disputes, or government action.

Entire agreement. These Terms, together with the pages incorporated in Section 13, are the entire agreement between you and Mugpipe regarding the Service and supersede any prior agreements or communications on that subject. The Mugpipe Terms of Use still govern the website and account. These Terms do not reduce those platform terms.

Severability. If any provision is held invalid or unenforceable, it will be enforced to the maximum extent permissible, and the remaining provisions remain in full effect.

No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms, in whole or in part, without your consent, including in connection with a merger, acquisition, reorganization, or sale of assets.

No third-party beneficiaries. These Terms do not create rights for any third party.

Relationship. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship.

Language. These Terms are written in English. If they are translated, the English version controls.

25. Notices and contact

We may send notices to the email address on your account or through the Service. You may send notices and questions to support@mugpipe.com, and privacy requests to privacy@mugpipe.com. Mugpipe accepts notices by email. Notices are effective when sent by email, unless delivery fails. This page does not set a response deadline. Billing questions, if a paid plan exists, may also be sent to Polar.