Oracular: Terms
These terms cover your use of Oracular, a personal project by Ethan Tam. By using the app you agree to them.
Not financial advice
Oracular is an educational research tool. Everything on the page — AI-generated research, the Council's verdicts, seasonality tables, options analytics, factor scorecards, and chat replies — is generated from public market data and can be wrong, out of date, or misleading. Nothing in Oracular is financial, investment, tax, or legal advice. Don't make trading or investment decisions based on it. Always do your own research and consult a qualified professional.
The AI can be wrong
The AI research and chat are powered by DeepSeek. The model can hallucinate facts, misread data, and give confident-sounding answers that are wrong. It knows nothing about your personal situation. Treat every answer as a starting point for your own research, not a conclusion.
The data can be wrong
Market data comes from Yahoo Finance and other public sources. Prices can be delayed, adjusted, or incorrect. Options data, seasonality statistics, and all computed indicators are derived from that data and inherit any errors in it. Verify anything that matters against the original source.
Fair use
Don't scrape the service, try to get around rate limits, or interfere with how it runs. The AI chat has usage limits to keep costs fair for everyone.
Your device
Your watchlist and settings are saved in your browser's local storage. Clearing your browser data removes them. Signing in is optional. If you sign in with Google, your tickers, alerts and their inbox are kept with your account so they follow you to every device. You can delete the account, and everything kept with it, at any time from the account panel (see the privacy policy).
Alerts are a convenience, not a guarantee. They are checked every few minutes in market hours, can arrive late or not at all (a phone in battery saver, a blocked notification, a data source that is down), and are never a reason to trade on their own.
Third-party services
Oracular relies on Cloudflare (hosting and account data), Google (sign-in and notifications), Yahoo Finance, Bargo and other public sources (market data), DeepSeek (research generation), and Supabase (feedback). Their own terms and privacy policies apply to their services.
Ending
You can stop using Oracular any time. If the service ever shuts down, there'll be notice on ethantam.dev.
The legal bit
Oracular is provided as it is, without warranties of any kind. As far as the law allows, we aren't liable for any losses arising from your use of the app, and our total liability is limited to what you paid us in the 12 months before the claim (so far, nothing). These terms are governed by the laws of Singapore.
Changes
If these terms change in a way that matters, the app will say so before it takes effect.