Terms of Service

Version 1.0 Last updated 2026-07-27

In plain English: this is a free tool that publishes a list of stocks a computer model ranked highly. It is not advice. We never touch your money or your brokerage account — you buy everything yourself. If you lose money, that is your risk, not our liability.

1. What this Service is

Muhammad ("we", "us") operates Nurbon (the "Service"): free software that publishes a weekly list of stock ticker symbols produced by a statistical model, calculates how a stated amount would divide across a selection of them, and lets you record positions for your own tracking.

The Service is provided free of charge. We charge no fees, commissions, subscriptions, or performance allocations. We receive no payment for order flow, no referral or affiliate compensation from any broker, and no economic benefit tied to your trading or account value.

2. What the Service does not do

It does not connect to your brokerage account.
It does not ask for, receive, or store brokerage credentials.
It does not place, route, execute, or cancel any order.
It does not hold, custody, or have access to your funds or securities.
It has no discretionary authority over anything you own.

Every transaction is placed by you, in your own account, at a broker of your choosing, after you have reviewed it. The Service performs arithmetic and displays a list.

3. Not investment advice

Nothing the Service produces is investment advice or a recommendation to buy or sell any security. The list is impersonal output of a statistical model, made available on the same terms to every registered user. It is not tailored to you, your finances, your tax position, your risk tolerance, your time horizon, or your objectives — we know none of those things and do not ask.

We are not a registered investment adviser.
We are not a registered broker-dealer.
We are not a fiduciary and owe you no duty of care, loyalty, or suitability.
No communication from the Service creates an advisory relationship.

For advice about whether any of this suits you, consult a licensed professional. We cannot and will not give you that answer.

4. Risk

You can lose money, including all of it. In particular:

Holding roughly ten stocks and replacing them weekly is concentrated and high-turnover. Expect large drawdowns.
Backtested results are not evidence of future performance. They are computed on companies that still exist, which excludes those that failed, and exclude trading costs, spreads, and taxes.
The model may stop working, without warning and without anything here detecting it.
Weekly turnover generates short-term capital gains in a taxable account, taxed at ordinary income rates. We provide no tax reporting and no tax advice.
Data may be delayed, wrong, or missing. Prices shown may not be the price you get.
The list may include securities that are illiquid, volatile, or unsuitable for you.

5. Performance tracking is your own bookkeeping

Any positions you record are self-reported. We have no access to your brokerage and cannot verify them. Figures shown are what your stated positions would be worth at public market prices — they are not a reading of your actual account and may differ from it for many reasons, including a different fill price, fees, partial fills, or a simple typo. Rely on your broker's statements, not ours.

6. Your responsibilities

You are at least 18 and legally able to enter this agreement.
You make your own investment decisions and are solely responsible for every trade you place.
You keep your password secure and do not share your account.
You comply with your broker's terms and with all laws applicable to you.
You will not scrape, resell, or redistribute the Service's output, or use it to build a competing or derivative product.
You will not attempt to reverse-engineer the model or infer its methodology.

7. Our intellectual property

The model, its methodology, parameters, training data, and scores are our confidential property. The Service publishes ticker symbols and rank order only. You receive no licence to the model and no right to redistribute the lists commercially.

8. Availability

Free service, no uptime commitment. We may modify, suspend, or discontinue it at any time without notice, and may terminate any account at our discretion. If the Service stops, any positions you hold are unaffected — they are in your account, under your control, and always were.

9. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DATA, PRICE, CALCULATION, OR LIST IS ACCURATE OR COMPLETE.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY TRADING OR INVESTMENT LOSSES, LOST PROFITS, LOST OPPORTUNITY, TAX LIABILITY, OR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THE SERVICE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY.

BECAUSE THE SERVICE IS PROVIDED FREE OF CHARGE, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS SHALL NOT EXCEED ONE HUNDRED US DOLLARS (US$100).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so parts of sections 9 and 10 may not apply to you. Nothing here excludes liability for fraud or anything else that cannot lawfully be excluded.

11. Indemnity

You agree to indemnify and hold us harmless from any claim, loss, liability, or expense (including reasonable legal fees) arising from your use of the Service, your breach of these Terms, your violation of any law, or any dispute between you and your broker or a tax authority.

12. Disputes

These Terms are governed by the laws of the State of Michigan, USA, without regard to conflict of law principles. Any dispute shall be resolved by binding individual arbitration in the State of Michigan, USA, and not in a class, collective, or representative action. You and we each waive any right to a jury trial and to participate in a class action.

You may opt out of this arbitration provision by emailing hello@nurbon.com within 30 days of first accepting these Terms; opting out affects no other part of these Terms. Where local law gives you a non-waivable right to bring proceedings in your own courts, this section does not remove it.

13. Changes

We may revise these Terms. Material changes will require you to accept the new version before continuing. The version you accepted, and when, is recorded against your account.

14. Contact

hello@nurbon.com

These Terms are a good-faith attempt to describe the arrangement accurately and allocate risk clearly. They have not been reviewed by a lawyer in your jurisdiction. See also the Privacy Policy and Security page.