FactDecode Terms of Use

Last updated: June 28, 2026  
Effective date: June 28, 2026  
Version: 1.0

These Terms of Use (the "Terms") set forth the terms and conditions for the use of "FactDecode" (the "Service") provided by In My Book, Inc. (the "Company").

This English version is provided for reference purposes only. If there is any inconsistency or conflict between the Japanese version and this English version, the Japanese version shall prevail.

Japanese official version: FactDecode 利用規約

1. These Terms apply to all relationships between the Company and users concerning the use of the Service.
2. By using the Service, users are deemed to have agreed to these Terms.
3. Any rules, guides, help pages, pricing tables, data policies, privacy policies, and other individual terms posted by the Company on the Service or on the Company's website in relation to the Service shall constitute part of these Terms.
4. If any individual terms conflict with these Terms, these Terms shall prevail unless such individual terms provide otherwise.

For purposes of these Terms, the following terms shall have the meanings set forth below.

1. "User" means any individual or corporation that browses, registers for, logs in to, or uses the Service.
2. "Registered User" means a User who logs in to the Service and has the qualification to use the Service in accordance with the method prescribed by the Company.
3. "Account" means a unit of use that is created or identified by Google login or any other authentication method designated by the Company in order for a User to use the Service.
4. "Workspace" means the working area in which a User manages projects, datasets, factors, analysis settings, analysis results, and other items on the Service.
5. "Dataset" means market data, macroeconomic data, User-input data, and other data that is obtained, registered, referenced, or analyzed on the Service.
6. "Analysis Results" means scores, indicators, forecasts, statistics, charts, model outputs, explanatory information, and other outputs generated, stored, or displayed on the Service.
7. "External Services" means third-party services or external APIs that are integrated with the Service for authentication, payment processing, data acquisition, data storage, notifications, community integration, or other purposes.

1. The Service is an analysis workspace that helps Users organize datasets, factors, projects, Analysis Results, and related information, and supports Users' research, verification, and analytical work.
2. The Service provides an information-processing environment to assist with investment judgment, research, analysis, verification, hypothesis organization, and similar activities. It does not provide investment advisory or agency services, investment management services, financial instruments business, financial instruments intermediary services, buy or sell recommendations, investment solicitation, order execution, or order routing under the Financial Instruments and Exchange Act of Japan.
3. The Company does not recommend the purchase, sale, holding, subscription, cancellation, or any other investment action concerning any particular financial product, security, currency, index, crypto asset, investment strategy, or other trading target through the Service or Analysis Results.
4. Users shall use the Service and Analysis Results at their own responsibility and shall conduct any necessary checks themselves when making investment, trading, business, accounting, tax, legal, compliance, or other decisions.
5. The specific functions, supported data, supported External Services, pricing plans, and terms of use of the Service shall be as separately specified by the Company.

1. Users must log in or authenticate themselves by the method designated by the Company in order to use the Service.
2. Users shall provide truthful, accurate, and up-to-date information when registering or logging in.
3. Users shall manage their own Accounts, authentication information, sessions, devices, browsers, and other usage environments at their own responsibility.
4. Users shall not lend, transfer, share, sell, change the name of, or pledge their Accounts to any third party.
5. The Company may restrict simultaneous logins, use on multiple devices, use on multiple browsers, or session use by the same Account in order to prevent account sharing, prevent unauthorized use, protect contract status, and otherwise ensure the proper operation of the Service.
6. Any act performed using a User's Account or authentication information shall be deemed to have been performed by that User, except where such act is attributable to the Company's willful misconduct or gross negligence.

1. Paid functions, pricing plans, trials, contract periods, settlement currencies, payment methods, renewal conditions, cancellation conditions, and other contractual terms shall be as displayed on the Service, pricing page, purchase screen, or other page separately designated by the Company.
2. Contracts, authentication, subscription status, payment status, and other entitlement determinations for the Service shall be managed by the Company or by External Services designated by the Company.
3. When applying for a paid plan, Users shall pay the applicable fees by the method designated by the Company or the payment service provider.
4. Users shall comply with the terms, policies, and procedures established by payment service providers, card issuers, financial institutions, and other External Services.
5. If a User changes a plan, cancels, resumes, or otherwise operates a contract, the timing of reflection, timing of billing, available functions, prorated calculations, refunds, and other handling shall be subject to the conditions displayed on the Service or separately indicated by the Company.
6. Fees already paid will not be refunded except where required by law or expressly specified by the Company.
7. The Company may change fees, plan contents, functional scope, free tiers, trial conditions, and other contractual terms. In such case, the Company will notify or announce the change by posting on the Service, by email, or by any other method the Company considers appropriate.

1. The Service may integrate with External Services for authentication, payment processing, data acquisition, data storage, notifications, community integration, and other purposes.
2. Use of External Services may be subject to the terms, policies, fees, restrictions, specifications, failures, suspensions, changes, and other conditions established by the providers of those External Services.
3. Rights, terms of use, redistribution restrictions, display obligations, attribution requirements, and other conditions relating to market data, macroeconomic data, corporate information, financial data, statistical data, and other third-party data obtained, displayed, or used through the Service belong to the respective data providers or rights holders, and Users shall comply with such conditions.
4. If Users share, publish, sell, redistribute, or commercially use data, Analysis Results, reports, or similar items obtained or generated through the Service outside the Service, they may be required to obtain the Company's prior consent in writing or by an electromagnetic method approved by the Company in accordance with Article 9 and other provisions of these Terms. Even in such case, Users shall, at their own responsibility, confirm the terms of use, licenses, laws and regulations, and contractual restrictions applicable to the source data and External Services.
5. The Service may use the FRED API and other external data sources. Details regarding the names of external data sources, display obligations, terms of use, redistribution restrictions, download or export restrictions, and other matters shall be set forth in the Data Policy separately established by the Company.

1. Users represent and warrant that they have the necessary rights, authority, consents, and licenses with respect to any data they input, upload, store, obtain, edit, or analyze on the Service.
2. Users shall not input, upload, store, or use on the Service any data that violates laws or regulations, contracts, third-party rights, or the terms of use of data providers.
3. If Users input or upload personal information, sensitive personal information, trade secrets, confidential information, undisclosed material facts, insider information, or other information requiring careful handling to the Service, Users shall confirm the necessity, legality, safety, and authority for doing so at their own responsibility.
4. The Company may handle Users' Workspaces, data, settings, logs, Analysis Results, and other information to the extent necessary for providing, maintaining, troubleshooting, preventing unauthorized use of, improving quality of, improving functions of, analyzing usage of, managing contracts for, supporting, and otherwise operating the Service.
5. Rights to data input or uploaded to the Service by Users shall remain with the Users or the legitimate rights holders. However, the Company may use such data to the extent necessary for providing and operating the Service.
6. Users acknowledge in advance that all or part of data, Analysis Results, logs, or Workspace information may become unavailable due to system failures, External Service failures, maintenance, specification changes, contract termination, legal compliance, or other reasons.

Users shall not engage in any of the following acts in using the Service.

1. Acts that violate laws or regulations, public order and morals, these Terms, or individual terms.
2. Criminal acts, fraudulent acts, or acts related thereto.
3. Acts that infringe the rights, interests, credit, reputation, privacy, or trade secrets of the Company, other Users, External Service providers, data providers, or other third parties.
4. Registering, inputting, or transmitting false, inaccurate, or misleading information.
5. Sharing Accounts, authentication information, sessions, contractual qualifications, or access rights with third parties.
6. Circumventing, disabling, or interfering with access controls, contract controls, usage restrictions, session restrictions, technical restrictions, or security functions of the Service.
7. Placing excessive load on the Service, servers, networks, External Services, or third-party systems.
8. Scraping, crawling, automated access, reverse engineering, analysis, reproduction, modification, creation of derivative works, or other technical use not permitted by the Company.
9. Unauthorized use of the Service or Analysis Results for investment advisory services, investment management services, financial instruments transactions, buy or sell recommendations, investment solicitation, advice to customers, redistribution to third parties, or any other purpose that requires registration, license, authorization, or contractual authority under applicable laws or regulations.
10. Acts that violate licenses, terms of use, redistribution restrictions, or display obligations of data providers.
11. Transmitting or storing harmful programs, malware, malicious code, excessive data, vulnerability attacks, or other information that compromises the security of the Service.
12. Impersonating the Company or any third party.
13. Interfering with the operation, maintenance, support, credibility, or normal provision of the Service.
14. Any other act equivalent to the preceding items or reasonably deemed by the Company to be inappropriate for the operation of the Service.

1. Analysis Results are reference information intended to support Users' research, verification, hypothesis organization, and decision-making.
2. The Company does not guarantee the accuracy, completeness, recency, usefulness, suitability, reproducibility, continuity, fitness for a particular purpose, investment performance, profits, avoidance of losses, or any other results of Analysis Results.
3. Analysis Results depend on input data, external data, models, settings, periods, calculation conditions, update status, External Service specifications, and system status.
4. When using Analysis Results, Users shall confirm the source data, calculation conditions, model characteristics, assumptions, limitations, risks, rights to external data, and availability at their own responsibility.
5. Even if Users provide, display, sell, publish, or redistribute Analysis Results to third parties after obtaining the Company's prior consent in writing or by an electromagnetic method approved by the Company, Users shall confirm laws and regulations, contracts, data provider conditions, and third-party rights at their own responsibility.
6. Unless expressly permitted by the Company, Users shall not sell, redistribute, provide, publish, reproduce, copy, transmit, incorporate into external services, or commercially use data, Analysis Results, scores, charts, reports, screen displays, or other output content obtained, displayed, or generated through the Service to or for third parties. This shall not apply to data for which the User has legitimate rights or to the User's own original considerations and opinions.
7. If Users wish to provide, publish, or commercially use Analysis Results or output content from the Service for customers, business partners, investors, members, subscribers, or other third parties, Users shall obtain the Company's prior consent in writing or by an electromagnetic method approved by the Company. The Company may require the execution of an individual agreement or additional terms specifying the scope of use, display method, prohibited acts, fees, conditions of external data providers, disclaimers, and other conditions as necessary.
8. Notwithstanding the preceding paragraphs, with respect to data derived from external data sources, the terms of use, redistribution restrictions, display obligations, copyrights, license conditions, and other restrictions established by each data provider, exchange, third-party provider, or other rights holder shall prevail. Users shall not use data or Analysis Results on the Service in a manner that violates such conditions.

1. Rights relating to the Service, software, screens, designs, logos, trademarks, text, images, structure, databases, programs, know-how, and all other content and technologies related to the Service belong to the Company or the legitimate rights holders.
2. The license to use the Service under these Terms does not grant Users any assignment, transfer, sublicense, security interest, or any other rights with respect to the Service or the Company's intellectual property rights.
3. Users shall not reproduce, reprint, modify, adapt, sell, distribute, publish, reuse, sublicense, or commercially use the Service or any content included in the Service without the Company's prior consent in writing or by an electromagnetic method approved by the Company, except where permitted by law or separately permitted by the Company.

1. The Company may, at its discretion, change, add, or discontinue all or part of the content, functions, specifications, fees, plans, terms of use, supported data, supported External Services, user interface, provision method, or other matters concerning the Service.
2. The Company may temporarily suspend or stop all or part of the Service if any of the following applies.
   1. Maintenance, inspection, updates, or troubleshooting is performed for systems, servers, networks, databases, storage, or other facilities.
   2. Failures, suspensions, specification changes, restrictions, or termination of provision occur with External Services, data providers, payment service providers, authentication services, or telecommunications carriers.
   3. Natural disasters, power outages, communication failures, wars, riots, infectious diseases, amendments to laws or regulations, administrative measures, or other force majeure events occur.
   4. Suspension or stoppage is necessary for unauthorized access, security risks, excessive load, data protection, legal compliance, or other safe operation of the Service.
   5. The Company otherwise determines that provision of the Service is difficult or inappropriate.
3. The Company will endeavor to provide prior notice, but may change, suspend, stop, or terminate the Service without prior notice in urgent or unavoidable circumstances.

1. If the Company determines that a User falls under any of the following items, the Company may, without prior notice, suspend the User's use of the Service, restrict access, suspend the Account, delete data, terminate the contract, or take any other necessary measures.
   1. The User violates these Terms or individual terms.
   2. Registration information or usage information contains falsehoods, inaccuracies, or deficiencies.
   3. Late payment, non-payment, payment failure, chargeback, or other contractual issue occurs.
   4. Account sharing, unauthorized access, circumvention of authority, violation of External Service terms, or other unauthorized use is suspected.
   5. The User may cause damage or disadvantage to the Company, other Users, External Service providers, data providers, or other third parties.
   6. The User has not used the Service for a long period of time.
   7. The Company determines that the User is or is involved with anti-social forces.
   8. The Company otherwise determines that continued use of the Service is inappropriate.
2. The Company shall not be liable for any damages incurred by Users as a result of measures taken by the Company under this Article, except where attributable to the Company's willful misconduct or gross negligence.

1. The Company does not warrant that the Service is free from factual or legal defects, or that the Service is accurate, complete, up to date, useful, reliable, secure, continuous, fit for a particular purpose, capable of achieving results expected by Users, free from errors or failures, free from data loss, or that External Services will remain continuously available.
2. The Company does not warrant the accuracy, completeness, recency, legality, rights clearance status, availability, or fitness for a particular purpose of external data, third-party data, Analysis Results, External Services, linked websites, data input by Users, or any other information derived from third parties that is obtained, displayed, or used through the Service.
3. The Service is not a substitute for professional judgment concerning investment, trading, finance, accounting, tax, legal, medical, regulatory compliance, or other matters.
4. Users shall prepare and maintain, at their own expense and responsibility, the communication environment, devices, browsers, software, security environment, and other usage environment necessary to use the Service.

1. If a User violates these Terms or causes damage to the Company, other Users, External Service providers, data providers, or other third parties in connection with the use of the Service, the User shall compensate for or resolve such damage at the User's own responsibility and expense.
2. If a User violates Article 9, paragraphs 6 through 8, and sells, redistributes, provides, publishes, reprints, reproduces, transmits, incorporates into external services, or commercially uses data, Analysis Results, scores, charts, reports, screen displays, or other output content obtained, displayed, or generated through the Service, the User shall compensate or indemnify the Company for any and all damages and costs incurred by the Company in connection with such violation, including damages incurred by the Company, costs, penalties, damages, investigation costs, response costs, takedown request costs, reasonable attorneys' fees, and other amounts claimed against the Company by external data providers, exchanges, third-party providers, or other rights holders.
3. If a User provides to third parties, externally publishes, redistributes, or commercially uses Analysis Results or output content of the Service without the Company's prior consent in writing or by an electromagnetic method approved by the Company, the Company may claim, as part of the damages, an amount equivalent to the usage fees or license fees that the Company would ordinarily receive if it permitted the same type of use, taking into account the manner of use, period of use, scope of use, recipients, scope of publication, types of data included, and other circumstances.
4. The Company shall not be liable for damages incurred by Users in connection with the Service, except where attributable to the Company's willful misconduct or gross negligence.
5. Even where the Company is liable, the Company's liability shall be limited to ordinary and direct damages, and the Company shall not be liable for lost profits, loss of business opportunities, loss of data, damage to credit, indirect damages, special damages, incidental damages, or consequential damages, except where such limitation is not permitted by law.
6. Where the Company is liable, the amount of compensation shall be limited, to the extent permitted by law, to the total amount of Service usage fees actually paid by the User to the Company during the one-month period immediately preceding the month in which the damage occurred. For free Users, the Company shall not assume monetary liability to the extent permitted by law.
7. The preceding paragraph does not limit any liability for damages or indemnification owed by Users to the Company under paragraphs 1 through 3 of this Article.
8. The provisions of this Article shall not apply to the extent they are invalidated or restricted by the Consumer Contract Act of Japan or other applicable laws and regulations.

1. The Company may change these Terms if any of the following applies.
   1. The change conforms to the general interests of Users.
   2. The change does not contradict the purpose of the Service and is reasonable in light of the necessity of the change, the appropriateness of the changed content, the details of the change, and other circumstances.
   3. The change is necessary due to laws or regulations, requests from administrative authorities, specification changes to External Services, changes to data provider conditions, security responses, functional changes, fee changes, business needs, or other reasons.
2. When changing these Terms, the Company will notify or announce the content of the changed Terms and the effective date by posting on the Service or the Company's website, by email, or by any other method the Company considers appropriate.
3. If a User uses the Service on or after the effective date of the changed Terms, the User shall be deemed to have agreed to the changed Terms.
4. For material changes, the Company will endeavor, within a reasonable scope, to enable Users to confirm the details of the changes.

1. The Company shall handle User information and personal information obtained in connection with the Service in accordance with the Privacy Policy separately established by the Company.
2. Users shall agree to the Company's Privacy Policy when using the Service.
3. The purposes of use of personal information, information collected, third-party provision, external transmission, entrustment, security control measures, procedures for disclosure requests, and other matters concerning personal information in the Service shall be set forth in the Privacy Policy.
4. When External Services are used on the Service, the terms and privacy policies of the relevant External Service providers may apply to information acquisition, cookies, tracking, payment information processing, authentication information processing, and other handling by such providers.

1. Users represent and warrant that neither they nor their officers, employees, or related parties fall under any of the following: organized crime groups, members of organized crime groups, companies related to organized crime groups, corporate extortionists, persons who make unreasonable demands under the guise of social or political activities, special intelligence violence groups, or any other persons equivalent thereto.
2. Users shall not provide benefits to, lend names to, use, cooperate with, become involved with, or otherwise engage in acts equivalent thereto with anti-social forces.
3. If the Company determines that a User has violated this Article, the Company may suspend the User's use of the Service, terminate the contract, or take any other necessary measures without prior notice.

1. Notices from the Company to Users shall be made by posting on the Service, posting on the Company's website, email, in-app notification, or any other method the Company considers appropriate.
2. Communications from Users to the Company shall be made through the inquiry form or other contact method designated by the Company.
3. If a notice does not reach a User due to an error, change, or inability to receive messages concerning the email address or other contact information registered by the User, such notice shall be deemed to have arrived when the Company sent the notice at the time it would ordinarily have arrived.

1. Users shall not assign, transfer, succeed to, pledge, or otherwise dispose of their status under these Terms or their rights or obligations under these Terms to any third party without the Company's prior consent in writing or by an electromagnetic method approved by the Company.
2. If the Company transfers the business relating to the Service to a third party, conducts a company split, merger, or any other business succession, the Company may cause the transferee or successor to succeed to the Company's status, rights, obligations, User information, contract information, and other information relating to the Service under these Terms.

Even if any provision of these Terms or any part thereof is determined to be invalid, illegal, or unenforceable under laws or regulations or by a court, the remaining provisions of these Terms and the remaining portions of such provision shall continue to remain in full force and effect.

1. These Terms and the Service shall be governed by the laws of Japan.
2. Any and all disputes arising out of or in connection with these Terms or the Service shall be subject to the exclusive jurisdiction of the district court or summary court having jurisdiction over the location of the Company as the court of first instance, except where another jurisdiction is permitted by law.

Operator: IN MY BOOK, Inc.  
Address: 1-36-2 Shinjuku, Shinjuku-ku, Tokyo, Japan  
Contact: contact form
Privacy Policy:FactDecode Privacy Policy
Data Policy: FactDecode Data Policy
Commercial Transaction Disclosure: Commercial Transaction Disclosure Based on the Act on Specified Commercial Transactions