1. Purpose

These Terms of Service (“Terms”) govern your use of the InvestIQs service (the “Service”), including the conditions of use, the rights and obligations of both the Service and its users, and limitations of liability.

By using the Service, you agree to these Terms. If you do not agree, please discontinue using the Service.

2. Service Definition

InvestIQs is an automated investment-information blog and video service that uses the yfinance Python library to collect and analyze publicly available financial data from Yahoo Finance, then auto-publishes informational content about US ETFs, dividend stocks, and market indices.

Content is delivered through the following channels:

  • Web blog: https://investiqs.net (Hugo static site)
  • YouTube Shorts and long-form videos: auto-composed video uploads
  • TikTok: auto-composed video uploads (Content Posting API integration)
  • Instagram Reels: auto-composed video uploads (Meta Graph API integration)

3. Nature of Content & Disclaimer

  • All Service content is provided for informational purposes only and does not constitute a recommendation to buy or sell any specific security or asset.
  • Content is AI-generated, produced using large language models such as Claude and Gemini together with publicly available yfinance data. The auto-generated nature is disclosed within the content body.
  • The Service does not provide investment advisory services, discretionary investment management, collective investment, or any other form of regulated financial advice under applicable securities laws.
  • Past performance does not guarantee future results. All investment decisions and any resulting gains or losses are the sole responsibility of the user.

4. User Obligations

When using the Service, users agree to the following:

  • You will not reproduce, redistribute, or commercially exploit Service content without authorization (short citations for personal study with attribution are permitted).
  • You will not abuse the Service’s automated publishing infrastructure (scrapers, bots, crawlers) in ways that disrupt operations.
  • You agree not to hold the Service liable for any investment outcomes based on content provided by the Service.

5. Intellectual Property

  • Copyright in text, images, and video content auto-generated by the Service belongs to InvestIQs.
  • yfinance data originates from Yahoo Finance, and the Service complies with the data provider’s terms of use.
  • Site design, code, logos, and brand assets are the property of InvestIQs.

6. Advertising & Monetization

The Service funds operational costs through the following means:

  • Google AdSense: on-site display advertising
  • YouTube Partner Program: video revenue sharing (when eligibility is met)
  • TikTok Creator Fund / brand content: video revenue sharing (when eligibility is met)

Advertising revenue funds Service operations and content-generation infrastructure (servers, LLM APIs, financial-data subscriptions). The Service is not coerced by advertisers into specific content and prioritizes content objectivity.

7. Service Changes and Termination

The Service may suspend or terminate without prior notice in the following cases:

  • System maintenance, infrastructure failures, or service interruptions from upstream data providers (Yahoo Finance, LLM APIs)
  • Changes in law or unavoidable operational reasons

Service termination will be announced via this page or related notices.

8. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Republic of Korea. Any dispute arising between the Service and a user may be brought before a court of competent jurisdiction under Korean civil procedure.

9. Changes to These Terms

These Terms may be updated to reflect changes in law or in the Service. Any updates will be reflected on this page and the lastmod date at the top will be revised.

Last updated: May 2, 2026

10. Contact