Terms Of Use

Updated September 29, 2026

Using Caltropia

Caltropia Research provides research tools and publications for personal use. Keep your account credentials private and provide accurate account information. Contact caltropia@caltropia.com about access or billing issues.

Core and Premium

Core is included with an account. The current website Premium offer is US$20 per month, billed monthly. Any applicable tax and the total due are shown at checkout before you pay. Premium includes the features described on the membership page. Creating an account alone does not start a paid subscription.

Your subscription renews until cancelled. Use Manage billing from My account to cancel future website renewals. Access continues through the current paid period. Subscriptions bought on Substack are managed there.

For billing errors or refund requests, contact us with your purchase email and receipt reference. We review requests individually. Nothing here limits rights provided by applicable law.

Research and performance

The material is general research and is not tailored to your financial circumstances. Models, historical results and backtests do not guarantee future returns. Quotes and other data can be delayed, incomplete or unavailable. Read the research disclaimer before using the material.

Permitted use

Use your account for your own research. Do not share account access, bypass access controls, interfere with the service or redistribute protected content without permission. Contact us before using the material commercially.

Your data and service changes

The privacy notice explains account, billing and workspace data. Keep your own copies of research you need to retain. Features and data availability may change, and the service may be interrupted for maintenance or technical problems.

Changes to these terms will be published here with an updated date. Contact us with questions about your account, subscription or these terms.