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Terms of Service

Last updated: 2026-03-20

1. Operator and scope

SectorFlow is operated by Sinisa Milojevic, Birkbuschstr. 11, 12167 Berlin, Germany. These terms govern access to the SectorFlow website, waitlist, account area, subscription flows, track record pages, and related email communications.

2. What SectorFlow provides

SectorFlow provides rules-based market information, model portfolios, educational signals, benchmark comparisons, and related commentary. SectorFlow is an informational product, not a financial advisory service. SectorFlow does not act as your financial advisor, investment adviser, broker, custodian, portfolio manager, tax adviser, or fiduciary.

3. No investment advice

SectorFlow content is general and informational. It is not individualized investment advice, a personal recommendation, or an offer to buy or sell securities. Use of SectorFlow does not create an advisory, fiduciary, brokerage, or client relationship. You remain solely responsible for your own research, suitability assessment, orders, tax position, and investment decisions.

4. Beta access and eligibility

Access may be invite-gated, limited, modified, or revoked during the beta period. You must provide accurate information, maintain control of your credentials, and use the service only in compliance with applicable law.

5. Accounts and security

You are responsible for maintaining the confidentiality of your account credentials and for all activity occurring under your account. SectorFlow may suspend or restrict accounts to protect the service, other users, or legal compliance.

6. Billing and subscriptions

Paid plans, if and when offered, are billed via Stripe according to the pricing shown at checkout. Unless stated otherwise at purchase, subscriptions renew automatically until cancelled for a future billing cycle. Taxes, brokerage costs, spreads, slippage, and market losses are not included in subscription prices.

7. Acceptable use

8. Intellectual property

SectorFlow branding, site content, templates, and original materials are protected by applicable intellectual property law. You may use the service for your own internal informational purposes, subject to these terms.

9. Availability and changes

SectorFlow may change, improve, suspend, or discontinue features at any time. We do not guarantee uninterrupted availability, timeliness, completeness, or error-free operation.

10. Disclaimers and liability

The service is provided on an "as is" and "as available" basis to the maximum extent permitted by law. SectorFlow does not guarantee profitability, performance, execution quality, market access, suitability, or any specific financial outcome. You must not rely on SectorFlow as a substitute for regulated financial, tax, legal, or accounting advice. To the extent permitted by law, liability for indirect, incidental, consequential, special, or lost-profit damages is excluded.

11. Termination

You may stop using the service at any time. SectorFlow may suspend or terminate access for security, abuse, payment, legal, or operational reasons.

12. Governing law

These terms are governed by the laws of the Federal Republic of Germany, without prejudice to mandatory consumer protections that may apply in your country of residence.

13. Contact

For questions about these terms, contact info@it-metis.com.