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Terms of Service

Last updated: 26 April 2026

Draft — these Terms are working text pending review by counsel before we accept paid users on 1 June 2026. They describe how the service operates today and the disclaimers that apply now. If you spot something unclear, write to hello@mrcrumbs.finance.

§01 · Who we are

Mr Crumbs (“we”, “us”) is an editorial research project published from Spain. The website you’re reading is mrcrumbs.finance. You can reach us at hello@mrcrumbs.finance.

§02 · What Mr Crumbs is — and isn’t

Mr Crumbs is editorial commentary about US small & micro-cap equities, produced by an automated research pipeline (four AI agents reading SEC filings, Congress trades, price action, news and YouTube) supervised by a human editor.

It is not investment advice. We are not a registered investment adviser in any jurisdiction. We do not know your financial situation, risk tolerance, tax position or objectives. Nothing on this site or in any email constitutes a recommendation to buy, sell or hold any security. Past performance — including the paper-traded performance we publish — does not predict future results.

Until further notice, all trades described are paper-traded (no real capital deployed). We publish our weekly ΔSharpe vs SPY so you can verify our claims.

§03 · Eligibility

You must be at least 18 years old and legally able to receive financial commentary in your jurisdiction. If your country restricts the dissemination of investment-related content, don’t sign up.

§04 · Sign-up and email

Submitting your email on the landing page adds you to our waitlist (held by Resend, our email service provider — see Privacy). We will send you (a) one welcome email immediately, and (b) editorial alerts and a Sunday digest once the service launches on 1 June 2026. You can unsubscribe one-click from any email or by writing to hello@mrcrumbs.finance.

§05 · Pricing

Free for everyone during early access. Any paid pricing will be announced in advance and stated on the landing page before it takes effect. You will not be charged without a separate, explicit checkout step.

§06 · No warranty, no liability

The service is provided “as is” without warranty of any kind. We do not guarantee accuracy, completeness, timeliness, or that any specific outcome will result from acting on what we publish. To the maximum extent permitted by applicable law, we are not liable for any direct, indirect, incidental, consequential or special damages arising from your use of, or reliance on, our content — including any trading losses.

You make your own decisions with your own money. If you wouldn’t take a tip from a stranger on the internet, treat us as a stranger on the internet.

§07 · Termination

You can leave at any time by unsubscribing. We can suspend or terminate access if a user attempts to abuse the service, breaks applicable law, or disputes a charge in bad faith. Once paid plans launch, the cancellation and refund policy will be documented on the pricing page.

§08 · Changes to these Terms

We may update these Terms. The “Last updated” date at the top reflects the most recent change. Material changes will be announced by email to anyone on the list at the time.

§09 · Governing law

These Terms are governed by the laws of Spain. Where you are an EU consumer, your statutory consumer-protection rights apply. We will try to resolve any disagreement directly first; please write to hello@mrcrumbs.finance.

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