Terms of Service

1. Agreement and eligibility

These Terms of Service ("Terms") are an agreement between you and NINGPING MA, the individual who operates the ReportGem service ("ReportGem", "we", "us", or "our"). By accessing or using a service that links to these Terms, you agree to them and to the Privacy Policy.

You must be at least 18 and legally able to enter into this agreement. If you use ReportGem for an organization, you represent that you have authority to bind that organization, and "you" includes the organization.

2. Service and research use

ReportGem provides tools for discovering and reviewing research reports, regulatory filings, meeting notes, papers, charts, tables, and bounded evidence passages. Features, sources, coverage, response formats, and availability may change.

Automated, extracted, summarized, translated, or AI-assisted outputs may be incomplete, delayed, or inaccurate. Source metadata and links are provided to support verification, but availability of an underlying source is not guaranteed.

3. Accounts, credentials, and authorization

You must provide accurate information, keep credentials confidential, and promptly notify us of suspected unauthorized access. You are responsible for activity under your account except to the extent caused by our breach of these Terms or applicable law.

When you authorize ChatGPT, Codex, or another compatible client through OAuth, you permit that client to request ReportGem tools within the scopes you approve. You may revoke access. The third-party client is independently responsible for its own service and data handling.

Do not publish, share, or place passwords, access tokens, refresh tokens, review credentials, or other secrets in prompts, repositories, logs, or public materials.

4. Paid access, entitlements, and usage

Some ReportGem services require an active paid entitlement or are subject to tool-unit, daily, monthly, concurrency, or cost limits. Prices, included usage, renewal terms, and other commercial conditions are those disclosed when you purchase directly from ReportGem or enter into a separate order.

The ReportGem plugin authenticates an existing ReportGem account; it does not itself sell digital subscriptions, credits, or usage through ChatGPT or Codex. Usage initiated through the plugin may count against your ReportGem entitlement.

Charges, cancellation, renewal, and refund eligibility are governed by the terms shown at purchase, your order, applicable law, and any specific refund policy presented to you. Unless required by law or expressly stated otherwise, an entitlement and its usage allowance are personal to the account or organization and may not be transferred or resold.

5. Acceptable use

You may not:

• use the service unlawfully, deceptively, to infringe rights, or to create or distribute harmful content;
• circumvent access controls, entitlements, quotas, rate limits, cost controls, or geographic or source restrictions;
• share, sell, rent, or misuse accounts, credentials, tokens, or review access;
• scrape, crawl, bulk-download, mirror, republish, resell, or build a substitute database from ReportGem except where we expressly permit it in writing;
• reverse engineer, probe, disrupt, overload, introduce malware into, or attempt unauthorized access to the service or related systems;
• remove notices, source attribution, watermarks, technical controls, or rights-management information; or
• misrepresent ReportGem outputs as verified facts, regulated advice, or ReportGem's endorsement.

Reasonable use of compatible clients and automation is permitted only through approved interfaces, within granted scopes and limits, and in compliance with these Terms.

6. Content and intellectual property

ReportGem, its software, branding, indexes, interfaces, compilations, and service design are owned by ReportGem or its licensors and protected by law. Source documents and third-party content remain subject to their owners' rights and license terms.

Subject to these Terms and your entitlement, we grant you a limited, non-exclusive, non-transferable, revocable right to use the service and view returned material for your internal research. No ownership is transferred. Any broader reproduction, redistribution, publication, commercial exploitation, model training, or creation of derivative databases requires the relevant rights holder's permission and, where applicable, our written authorization.

If you submit feedback, you permit us to use it without restriction or compensation. You retain rights in content you lawfully submit, while granting us the rights reasonably needed to process it and provide the requested service.

7. Availability, disclaimers, and limitation of liability

We work to provide a reliable service, but maintenance, security events, upstream source changes, network failures, legal requirements, and other circumstances may interrupt or alter it. We may add, change, suspend, or discontinue features.

To the maximum extent permitted by law, the service is provided "as is" and "as available" without implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, or uninterrupted availability.

To the maximum extent permitted by law, ReportGem and its affiliates, officers, employees, and providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, goodwill, opportunities, or investment losses arising from use of or inability to use the service. ReportGem's aggregate liability arising from the service will not exceed the amount you paid ReportGem for the affected service during the six months before the event giving rise to the claim.

Nothing in these Terms excludes liability that cannot lawfully be excluded or limits rights that cannot lawfully be waived.

8. Suspension, termination, changes, and governing law

You may stop using the service at any time. We may suspend or terminate access where reasonably necessary for security, legal compliance, nonpayment, material breach, abuse, or protection of ReportGem, users, sources, or third parties. Where practical and lawful, we will provide notice and an opportunity to address the issue.

Provisions that by nature should survive termination—including payment obligations, ownership, disclaimers, liability limits, and dispute terms—will survive.

We may update these Terms as the service or law changes. We will post the revised version and update the date above, and provide additional notice where required. Continuing to use the service after revised Terms take effect constitutes acceptance to the extent permitted by law.

These Terms are governed by the laws of the Hong Kong Special Administrative Region, without regard to conflict-of-laws rules. The parties will first attempt to resolve disputes in good faith. Subject to any non-waivable consumer rights, the courts of Hong Kong have exclusive jurisdiction.

中文摘要

本条款由您与运营 ReportGem 的个人 NINGPING MA 订立，适用于 ReportGem 网站、研究服务、API、OAuth、MCP 服务和 ReportGem Research 插件。使用相关服务即表示您同意本条款和隐私政策。您须年满 18 周岁并具有订立协议的能力；代表机构使用时，您应具有相应授权。

ReportGem 提供研究资料发现、检索和证据工具，不提供投资、法律、税务、会计或其他专业意见，不推荐或执行交易，也不保证任何结果。自动提取、摘要、翻译或 AI 辅助输出可能存在遗漏、延迟或错误，您应核验来源并独立决策。

您应提供准确信息、妥善保管账户和凭证，并对授权客户端的权限负责。部分服务需要有效付费权益，并受工具用量、日/月限额、并发和成本限制。插件仅连接现有 ReportGem 账户，不在 ChatGPT 或 Codex 内销售数字订阅、积分或用量；插件发起的调用可计入您的 ReportGem 权益。

您不得违法或侵权使用服务，不得绕过访问控制或限额，不得共享或出售账户与令牌，不得未经许可批量抓取、镜像、再发布、转售或建立替代数据库，也不得攻击、干扰、逆向分析系统或移除来源标注和技术保护。

ReportGem 及其许可方保留软件、品牌、索引、界面、汇编和第三方内容的相关权利。在条款和权益范围内，您仅获得有限、非独占、不可转让、可撤销的内部研究使用权。服务可能因维护、安全、上游来源、网络或法律要求而变更或中断。在法律允许的最大范围内，服务按现状和可用状态提供；间接损失、数据或机会损失及投资损失不由 ReportGem 承担，ReportGem 的累计责任不超过争议发生前六个月您就受影响服务实际支付的金额，但法律禁止排除或限制的责任除外。

如存在安全、违法、欠费、重大违约或滥用，ReportGem 可合理暂停或终止访问。本条款适用香港特别行政区法律；双方应先诚信协商，除不可放弃的消费者权利外，由香港法院专属管辖。

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