Terms of Service

Last updated: 17 September 2026 · Applies to the Pulse Cloud web service at https://pulsehk.net

These Terms of Service ("Terms") govern your use of the Pulse Cloud web application and this website (the "Service"). By creating an account, signing in, or simply browsing a public page, you agree to these Terms. If you do not agree, please do not use the Service.

1. The Service

Pulse Cloud is a do-it-yourself portfolio tracking dashboard for the US, Hong Kong, mainland China and Taiwan markets. It lets you record your own transactions, watch tickers, and see computed figures — market value, profit and loss, ROI, ATR-based stop-loss levels, capital recovery progress and period returns (Today / WTD / MTD / YTD). Prices are pulled from a third-party market data provider. An interactive demo at /demo shows the interface without an account.

Pulse Cloud is a personal record-keeping and visualisation tool. It is not a broker, dealer, investment adviser, fund manager or custodian. We never hold your money, your securities, or the authority to trade on your behalf.

2. Accounts and eligibility

• You must be at least 18 years old and legally able to enter into a contract.
• You must provide a valid email address you control, and keep access to it secure — it is the recovery route for your account.
• You are responsible for everything done through your account and for keeping your password confidential. Tell us promptly at chunpulseyung@gmail.com if you believe your account has been compromised.
• One account is for one person. Do not share credentials or use the Service to provide a dashboard to third parties without our written agreement.
• You are responsible for the accuracy of the transactions, prices, fees and balances you enter. The Service calculates from your data; it does not verify it against your broker.

3. Free and paid features

Free accounts are provided as-is and may display advertising. The paid tier is still being built and is not on sale: the site does not offer it, no price is published, and nothing can charge you. If we open it, a subscription will unlock the additional features listed above while it is active, and this page will say so before it goes on sale. We may adjust the composition of each tier as the product develops; if a change materially reduces what an active subscriber gets, we will give notice on this page or by email before it takes effect.

4. Subscriptions, billing and payment

This section applies once the paid tier is on sale. It is not on sale today, so no billing is taking place.

• A paid plan is sold as a recurring subscription billed through Stripe. Checkout happens on Stripe's hosted payment page.
• Card details never touch Pulse. Card number, expiry and CVC are entered on Stripe's page and handled by Stripe under its own terms. We only store the resulting subscription status and identifiers so we can unlock the paid features.
• The price of a plan is shown at Stripe checkout before you pay, and on this site once the tier is on sale. Prices are exclusive of any taxes or duties that may apply in your jurisdiction, which are your responsibility.
• When you subscribe, you authorise Stripe to charge your chosen payment method for each billing period until you cancel.

5. Renewal and cancellation

• Automatic renewal. Once you subscribe, it renews automatically at the end of each billing period at the price in effect when the period started, using the payment method on file, until you cancel.
• How to cancel. If you have a subscription, you can cancel it yourself at any time from Dashboard → ⚙️ Settings → 💳 Subscription → Manage / cancel subscription, which opens the secure Stripe billing portal (there you can also update your card and view invoices). Your plan is marked as cancelled immediately and access continues until the end of the period you already paid for. If you would rather we do it for you — or the portal gives you any trouble — email chunpulseyung@gmail.com and we will cancel it manually. Cancelling stops all future charges; if a renewal charge is taken after you asked us to cancel, tell us and we will correct it.
• After cancelling. The paid features remain available until the end of the period you already paid for, after which the account reverts to Free. Your portfolio data is not deleted by a downgrade.
• If a charge fails, we may retry it and, if it remains unpaid, downgrade the account to Free. We will not delete your data because of a failed payment.

6. Refunds

7-day no-questions refund. If you change your mind, ask us for a refund within 7 days of any charge — your first payment or a later renewal — and we will refund that charge in full to the original payment method. You do not have to give a reason. To ask, email chunpulseyung@gmail.com naming the email address on your account and say that you would like a refund. The same address is linked from Dashboard → ⚙️ Settings → 💳 Subscription once you are signed in.

What we do, and in what order.

• We cancel the subscription at the same time, so it cannot renew and you will not be charged again.
• We refund that charge in full to the card or payment method you paid with. We process refund requests as quickly as we can after your email, and we will not ask you for a reason or make you fill in a form. Your bank or card issuer then normally takes a further 5 to 10 business days to show the money on your statement.
• The paid features stay available until the end of the period you had already paid for, exactly as described in §5, and the account then reverts to Free. Your portfolio data is not deleted by a refund or a downgrade.
• Because asking for a refund also cancels the subscription, this 7-day refund is available once per subscription: it is not a way to get repeated free months. Nothing stops you subscribing again later.

Billing mistakes. Separately from the 7-day refund, this is what we will always put right: if you were charged in error, charged after you asked us to cancel, or charged for a period in which the Service was unavailable because of a fault on our side, email chunpulseyung@gmail.com and we will correct it, normally by refunding the affected charge to the original payment method.

Cancelling is free. You can stop renewals at any time by cancelling yourself from the dashboard or by asking us to — see §5 above. We do not charge a cancellation fee. Cancelling on its own, without asking for a refund, does not refund the current or any past period.

If the consumer law where you live gives you a cancellation or refund right stronger than this section, that law applies and nothing here reduces it.

7. Your data and content

Your portfolio records and watchlist belong to you. You grant us only the licence we need to store, process, back up and display that content in order to run the Service for you — nothing more, and never for advertising or resale. You can export everything as JSON at any time from the dashboard. Our handling of personal data is described in the Privacy Policy.

8. Third-party AI providers

AI analysis runs on our account with the AI provider, not yours: we hold the provider key and you do not need to supply one. By default the analysis is performed by DeepSeek (Hangzhou DeepSeek AI Co., Ltd., China); you may switch the provider to Google Gemini in settings. Only a summary of your portfolio is sent — tickers, share counts, average cost, current value, profit and loss and market allocation. Your email address, name, account identifier, password and payment details are never sent. The provider processes that summary under its own terms, and the provider's own retention and training practices are outside our control; if you do not want your portfolio summary sent to a third-party AI provider, do not run the analysis (the self-hosted edition can be pointed at a local model instead). The paid tier is planned to include 7 analyses per calendar month; unused analyses do not carry over, and we may change providers or limits as the Service develops. AI output is generated text: it can be wrong, incomplete or out of date, and it is not reviewed by us before you see it.

9. Market data

Prices, index levels and currency rates come from third-party sources (Yahoo Finance) and are shown for information only. They may be delayed, adjusted, incomplete or wrong, and may differ from the prices your broker shows. Never place a trade based solely on a figure from Pulse. We are not responsible for decisions you take using the Service, and the data providers are not affiliated with or endorsing Pulse.

10. Acceptable use

You agree not to:

• use the Service for anything unlawful, fraudulent, or in breach of any exchange's or broker's rules;
• scrape, crawl or bulk-download the Service, or circumvent rate limits, caches or authentication (including the sign-in flow, the middleware allowlist, or the AI audit request path);
• reverse engineer, decompile, resell, sublicense or white-label the Service, or offer it as your own product;
• probe, scan or attack the Service or its infrastructure, or attempt to access another user's data;
• upload or store content that is malicious, infringing, or that you have no right to store (including sharing your account credentials with someone else);
• misrepresent Pulse as a licensed financial adviser or use it in marketing material for financial products.

We may throttle or suspend access that breaks these rules, and may report unlawful activity.

11. No financial advice

12. Availability and changes to the Service

The Service is provided on an "as is" and "as available" basis. Free access carries no availability commitment; we may change, suspend or discontinue features, and we may take the Service down for maintenance. We will make reasonable efforts to give notice of significant changes. Features that depend on third parties (market data, Supabase, Stripe, your AI provider) can be affected by outages outside our control.

13. Limitation of liability

To the maximum extent permitted by law, the Service is provided without warranties of any kind, express or implied, including fitness for a particular purpose and accuracy of data or computed figures. We are not liable for indirect, incidental, special or consequential losses, for lost profits or lost data, or for trading or investment losses. Where liability cannot be excluded, our total aggregate liability to you is limited to the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, or (b) HK$100. Nothing in these Terms limits liability that cannot lawfully be limited.

14. Termination

• You may stop using the Service at any time, and delete your account yourself from Settings → 🔐 Account (immediately and permanently, with any active subscription cancelled first) or by writing to chunpulseyung@gmail.com.
• We may suspend or terminate an account that breaches these Terms, is used unlawfully, or repeatedly fails payment. Except in urgent cases (for example an active attack or illegal use), we will give notice and, where practical, a chance to fix the problem.
• On termination, your right to use the Service ends. Sections that by their nature should survive — including data ownership, disclaimers, limitation of liability, and governing law — continue to apply.

15. Governing law

These Terms are governed by the laws of the Hong Kong Special Administrative Region. You and we submit to the exclusive jurisdiction of the courts of Hong Kong, without affecting any mandatory consumer protection rights you may have where you live.

16. Changes to these Terms

We may update these Terms as the Service changes. The "Last updated" date at the top always shows the current version. Material changes will be highlighted on the dashboard or notified by email before they take effect; continuing to use the Service after that means you accept the updated Terms.

17. Contact

Questions about these Terms, billing or your subscription: chunpulseyung@gmail.com.