LOSSDOG – TERMS OF SERVICE
Last Revised: July 8, 2026
1. Acceptance of Terms
These Terms of Service (the “Terms”) govern your access to and use of the website located at https://www.lossdog.com/, together with all related applications, features, content, and services offered under the names Lossdog, Wearelossdog, and One Lucky Dog (collectively, the “MARKS”), and in affiliation with the channel @SosnoffonMoney (collectively, the “Service”). These Terms are an agreement between you and Lossdog, Inc., a Delaware corporation with its registered address at 1801 W Berteau Ave, Chicago, IL 60613 (“Lossdog,” “we,” “us,” or “our”).
By accessing or using the Service, you agree to these Terms and to the Privacy Notice, which is incorporated by reference. If you do not agree, you may not access or use the Service.
Questions about these Terms may be directed to [email protected] or to the address above. Correspondence sent to those channels is not, by itself, legal notice for purposes of a dispute; notice in connection with a dispute must be given as described in Section 19.
We may revise these Terms at any time by posting an updated version and changing the date above. Continued use of the Service after a revision takes effect constitutes acceptance of the revised Terms. You are responsible for reviewing the Terms periodically.
The Service may include marketing pages, examples, founder commentary, testimonials, social media content, and similar promotional materials. Unless we expressly state otherwise in writing, those materials are provided for general informational and illustrative purposes only, do not create warranties or guarantees, and do not modify or supersede these Terms or any feature-specific terms.
2. What the MARKS Are – and Are Not
The MARKS are an analytical, educational, and entertainment platform. Their AI tools, analyses, research, programming, and community features are made available for general analytical, informational, and entertainment purposes only.
The MARKS are not a registered investment adviser, broker-dealer, financial planner, tax adviser, legal adviser, or fiduciary, and do not provide personalized advice of any kind. Nothing on the Service is a recommendation, solicitation, or offer to buy, sell, or hold any security, digital asset, or other financial product. The MARKS do not execute trades, manage assets, provide professional representation, or act on a user’s behalf in any financial, legal, employment, or other professional capacity.
Any decision made in connection with the Service – financial, professional, or otherwise – is at the user’s own discretion and risk.
3. AI Tools and Generated Content
The Service includes features that use artificial intelligence and Lossdog’s proprietary algorithms to produce content such as career valuations and salary estimates, portfolio and market analytics, research on companies or securities, forecast and prediction analytics, and written reports or summaries (together, “Generated Content”). We may add, change, suspend, or remove these features at any time.
Generated Content is provided for information and entertainment, not advice. It does not guarantee any outcome and is not a substitute for independent judgment, due diligence, or professional consultation. Forecasts, valuations, odds, and projections are estimates that may rely on incomplete, imperfect, stale, or incorrect data and may turn out to be wrong, sometimes substantially so. The MARKS make no representation as to the accuracy, reliability, completeness, or usefulness of any Generated Content. Users should understand that all AI makes mistakes. Users should independently verify anything important, especially before relying on it in an employment negotiation, investment decision, or other material decision, and should consult a qualified professional where appropriate.
4. How AI Works on the Platform
AI systems are probabilistic by nature, and the Service’s AI features can on occasion produce content that is incomplete, inconsistent, outdated, biased, misleading, or simply incorrect, even when the system is operating as designed. AI models may experience interruptions or be terminated at any time. Use of these features constitutes acceptance of those limitations.
The MARKS disclaim any warranty as to the accuracy, completeness, merchantability, non-infringement, or fitness for a particular purpose of AI-generated output. We have no duty to monitor, correct, or update prior output, and we bear no liability for anything our AI features state, suggest, or generate. Reliance on content is at the user’s own risk. We make our best efforts to ensure continuity of service during AI model interruptions or terminations.
4.1 Personalization
Some features draw on a user’s profile, preferences, notes, and activity to personalize the AI experience for that user. When personalization features are introduced, users can turn them off at any time in account settings or by sending an opt-out request directly to [email protected]. Turning personalization off does not by itself delete data already collected and does not prevent our continued use of aggregated or anonymized data to improve the Service generally.
5. Risk of Trading, Investing, and Career Decisions
The Service discusses trading, investing, career decisions, and the capital markets as subjects of general interest. Trading and investing carry real risk, including the risk of losing some or all of the amount at stake, and the past performance of any strategy, asset, or market condition is not indicative of future results.
Any trading, investment, career, compensation, or other financial or professional decision a user makes in connection with the Service is that user’s alone, and Lossdog bears no responsibility for its outcome.
6. Accounts
Most features require a free account created with an email address or a supported sign-in provider. You may use the Service only if you can form a binding contract with us and your use is not prohibited by applicable law. Certain features – including features involving cryptocurrency rewards – may carry additional age, identity-verification, geographic, or legal eligibility requirements, and it is each user’s responsibility to confirm that their use of a given feature is permitted in their jurisdiction.
You must keep your account information accurate and your credentials secure, and you are responsible for activity occurring under your account regardless of whether you authorized it. Suspected unauthorized use should be reported promptly to [email protected]. The MARKS may reclaim, disable, or modify a username they consider inappropriate, misleading, infringing, or harmful to the Service or others.
7. User Contributions
Users may be able to post text, comments, images, and other materials through community or social features (“Contributions”). Ownership of a Contribution remains with the user who posted it, subject to the license below.
Each user represents that they hold or have secured the rights necessary to grant this license, that their Contributions do not infringe any third party’s rights, and that their Contributions comply with applicable law. The MARKS are not obligated to monitor Contributions, but may remove, edit, decline to post, restrict access to, or preserve any Contribution, and may take any of the actions described in Section 9, at their discretion and without notice.
A user who submits information about a third party through any feature of the Service – for example, when running a career analysis on a friend’s behalf – represents that they are authorized to do so and that doing so does not violate law, contract, or another person’s rights.
7.1 Public and Shareable Content
Some features of the Service generate or display content that is, by design, visible to other users or the public. For example, forecast and prediction reports created through research features may be browsed by other platform users. We will try to make clear within the product when a feature works this way, but we cannot guarantee that every instance will be flagged, and each user is responsible for what they choose to submit to a public or shareable feature. Sensitive personal information should not be entered into any feature of this kind.
8. Acceptable Use
Use of the Service is subject to the following restrictions. Users may not:
- use the Service for any unlawful, fraudulent, deceptive, or abusive purpose;
- scrape, harvest, index, or otherwise systematically collect data from the Service without our written permission;
- interfere with, disrupt, or place undue load on the Service, or attempt to bypass its security, rate limits, or access controls;
- introduce viruses, malware, or other harmful code, or access the Service through bots, scripts, or other automated means not expressly permitted;
- reverse-engineer or attempt to extract the source code of the Service, except where applicable law clearly permits otherwise;
- impersonate any person or misrepresent an affiliation with any person or organization;
- harass, threaten, stalk, dox, or otherwise harm another user or a member of the MARKS’ team;
- use the Service for an unapproved commercial purpose or to build, benchmark, train, or improve a competing product or service; or
- use the Service or its outputs as the sole basis for a regulated, legal, employment, investment, or other material decision without independent review.
A violation of this Section may result in suspension or termination of the violating account, in addition to any other remedy available to the MARKS.
9. Suspension and Termination
The MARKS may suspend, restrict, or terminate a user’s access to the Service or to any feature, including a rewards program, without prior notice where there is a reasonable basis to do so – for example, suspected fraud or abuse, a violation of these Terms, conduct considered harmful to other users or to the Service generally, or a legal, compliance, security, or operational requirement. The MARKS are not required to give advance notice, an explanation, or an opportunity for review before acting, and their decision to act, or not to act, in a given instance does not waive their rights in any other instance.
A user whose access has been suspended or terminated may not open a new account to evade that action. The MARKS may also modify, suspend, or discontinue the Service, in whole or in part, at any time, and are not liable for any resulting interruption, inaccessibility, or unavailability.
10. A Free Service
The Service is currently provided at no cost, and there are accordingly no fees for which a refund could be sought. The disclaimers and limitations of liability set out in these Terms reflect, in material part, the basis on which the MARKS are able to offer the Service free of charge.
11. Third-Party Services and Content
The Service links to, integrates with, and in places relies on third-party platforms, partners, and content that the MARKS do not control. Use of those third-party services is governed by their own terms, policies, and practices. A link, integration, or partnership does not constitute an endorsement, and the MARKS disclaim responsibility for any third-party content, service, data handling, security, availability, or practice.
The Service uses YouTube API Services. By using a feature that interacts with YouTube content, a user agrees to the YouTube Terms of Service at https://www.youtube.com/t/terms and acknowledges that Google may collect data about that use under the Google Privacy Policy at https://policies.google.com/privacy.
The Service also integrates with SnapTrade to support brokerage-account connections and related financial-data functionality. By using any feature that connects to or interacts with SnapTrade, a user agrees to SnapTrade’s Terms and Conditions at https://snaptrade.com/terms-and-conditions and understands that SnapTrade’s services, data access, security practices, and related functionality are governed by SnapTrade’s own terms and policies.
Our platform may use artificial intelligence models, large language models, machine learning systems, and related services provided by third-party vendors, including but not limited to OpenAI, Google, Anthropic, and other AI infrastructure providers.
When you use features that involve automated analysis, content generation, summarization, recommendations, classification, or other AI-powered functionality, information you submit to the platform may be processed by one or more of these third-party AI service providers on our behalf.
The information processed may include, depending on the feature used, account information, profile information, uploaded documents, resume or career information, messages, prompts, responses, metadata, and other content you provide or generate through the platform.
We use these providers to operate, improve, secure, and support the platform, including to generate outputs, analyze user-provided content, detect errors or misuse, improve product performance, and provide relevant user experiences.
We do not control the independent privacy practices of third-party AI service providers. Their processing of information is governed by our agreements with them and, where applicable, their own terms, privacy policies, data processing addenda, and security practices.
AI-generated outputs may be inaccurate, incomplete, outdated, or based on incorrect assumptions. You should not rely on AI-generated information as the sole basis for financial, legal, medical, employment, tax, investment, or other important decisions.
12. Intellectual Property
The Service and its content – including software, design, text, graphics, audio, video, and data compilations – together with the MARKS, are owned by or licensed to Lossdog, Inc. Lossdog grants users a limited, non-exclusive, revocable license to use the Service for personal, non-commercial purposes. Reproducing, distributing, publicly displaying, or creating derivative works from the Service’s content without the MARKS’ written permission is not permitted, except as the Service’s own functionality allows or as applicable law requires.
The MARKS’ research and educational materials – including white papers, underpayment research, marketing blogs and posts, and similar materials – reflect Lossdog’s own analysis of the sources it reviewed, are provided for general informational purposes, and do not constitute advice.
Feedback or suggestions a user sends regarding the Service may be used freely by the MARKS, without obligation, attribution, or compensation to the user who sent them.
13. Crypto Rewards Program
The MARKS may, from time to time, make cryptocurrency-based rewards (“Crypto Rewards”) available to eligible users through promotions, contests, or platform engagement. Crypto Rewards are administered through a licensed third-party custodian and settlement provider (the “Custodial Partner”); the MARKS’ current Custodial Partner is Zerohash. Participation in a Crypto Rewards program is governed by this Section, any applicable program rules, and the rest of these Terms.
Zerohash’s services are not available in every jurisdiction, including New York. Zerohash accounts are not protected by FDIC or SIPC insurance, Zerohash’s support of a given digital asset is not a recommendation to buy, sell, or hold it, and Zerohash is not registered with the SEC or FINRA. The MARKS are not responsible for the Custodial Partner’s acts or omissions. Users understand and accept that laws may change at any time, which may affect eligibility requirements.
13.1 Pending Rewards
A Crypto Reward shown in a user’s account is “Pending” until each condition in Section 13.2 has been met. A Pending reward is a conditional expectancy only, not a transfer of ownership or a present interest in any digital asset, and the MARKS do not guarantee that a Pending reward will ultimately be delivered.
13.2 Conditions for Delivery
A Pending reward becomes deliverable only once all of the following have been satisfied:
- identity verification (“KYC”) administered by the Custodial Partner, which may require a user’s legal name, date of birth, government identification, taxpayer identification number, proof of address, or other documentation;
- acceptance by the Custodial Partner, which may be withheld for reasons including inaccurate or fraudulent information, an unsupported jurisdiction, presence on a sanctions list, failure to meet a jurisdiction’s minimum-age requirement, or other compliance concerns;
- the user’s continued good standing under these Terms and any applicable program rules, with no fraudulent, manipulative, or abusive conduct such as the use of multiple accounts;
- compliance with applicable law; and
- continued availability of the program at the time delivery would occur.
By participating, a user represents that they are legally permitted to receive and hold cryptocurrency where they live, that their participation does not violate applicable law, and that they are not located in, or acting on behalf of anyone in, a restricted or sanctioned jurisdiction. Determining the legality of participation is the user’s responsibility.
13.3 Forfeiture
If a condition in Section 13.2 is not met – including because verification was not completed, the Custodial Partner declined the user, the user was found ineligible, or the program was suspended or discontinued – the associated Pending reward is forfeited. The user has no claim to the underlying assets, and Lossdog has no obligation to provide a cash equivalent or other substitute.
13.4 Reward Orders, Risk, and Taxes
A submitted Reward Order cannot be canceled or reversed, and on-chain transfers cannot be undone. Users are responsible for confirming any recipient address before submitting. The Custodial Partner does not control whether a Reward Order is enabled. A request to stop one before execution should be sent to [email protected], though Lossdog cannot guarantee that such a request will arrive in time or be acted on before execution.
Digital assets are highly volatile, and Lossdog makes no representation about the value of a reward at delivery or afterward. Users accept the risk of partial or total loss of value. Lossdog is not a financial institution, broker-dealer, money transmitter, or custodian, and does not hold or control cryptocurrency on a user’s behalf.
Users are solely responsible for any taxes arising from a reward and agree to provide tax documentation – such as an IRS Form W-9 or W-8 – if reasonably requested by Lossdog or the Custodial Partner. Lossdog may modify, suspend, or end the program at any time, subject to applicable law.
14. Other Rewards and Promotions
Lossdog may offer loyalty points, badges, prediction games, contests, sweepstakes, or similar promotional features at its discretion, and may change, limit, or discontinue them at any time. Points and similar items carry no cash value and are not redeemable for cash unless Lossdog states otherwise in writing. Lossdog may adjust, suspend, or void a balance connected to fraud, abuse, error, or a violation of these Terms. Individual promotions may carry their own rules. Users are responsible for any taxes arising from their participation.
15. Disclaimer of Warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE EXTENT PERMITTED BY LAW, LOSSDOG DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND RELIABILITY. LOSSDOG DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, AVAILABLE, OR ERROR-FREE, OR THAT ANY AI-GENERATED CONTENT, VALUATION, FORECAST, OR ANALYTIC OUTPUT WILL PROVE ACCURATE, RELIABLE, COMPLETE, OR USEFUL.
Lossdog is not responsible for unauthorized access to its systems or data, for transmission errors, for acts or omissions of users or third parties, or for harmful code introduced by a third party through the Service.
Some jurisdictions do not allow the exclusion of certain warranties, so this exclusion may not apply in full to every user.
16. Limitation of Liability
TO THE EXTENT PERMITTED BY LAW, LOSSDOG, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES – INCLUDING LOST PROFITS, LOST DATA, LOST OPPORTUNITIES, TRADING LOSSES, CAREER LOSSES, OR OTHER INTANGIBLE LOSSES – ARISING FROM OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Because the Service is offered free of charge, Lossdog’s total liability for any claim arising from or relating to the Service is capped at one hundred United States dollars (USD $100.00). That figure reflects the allocation of risk on which Lossdog has agreed to offer the Service at no cost. Some jurisdictions do not permit a limitation of this kind, in which case it will apply only to the extent the law allows, and users in those jurisdictions may have additional rights.
17. Indemnification
A user agrees to defend, indemnify, and hold harmless Lossdog, Inc. and its officers, directors, employees, contractors, and affiliates from and against claims, losses, liabilities, damages, judgments, and expenses (including reasonable attorneys’ fees) arising from or relating to that user’s Contributions, use of the Service, breach of these Terms, violation of law, violation of a third party’s rights, decision made in connection with the Service, or misrepresentation about eligibility for a feature. Lossdog may assume the exclusive defense of a matter otherwise subject to indemnification, and the user agrees to cooperate.
18. Governing Law
These Terms, and any dispute relating to them or to the Service, are governed by the laws of the State of Illinois, without regard to conflict-of-law principles.
19. Dispute Resolution
19.1 Informal Resolution
Before bringing a formal claim, a user agrees to contact Lossdog at [email protected] and to attempt, in good faith, to resolve the dispute informally for at least thirty (30) days following written notice.
19.2 Arbitration
Any dispute that cannot be resolved informally will be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, or its Consumer Arbitration Rules where those rules apply, and held in Chicago, Illinois, unless the applicable AAA rules require otherwise. By agreeing to arbitration, the parties give up the right to a jury trial and, except as provided below, to bring or join a class action. The arbitrator will apply the governing law and these Terms. Nothing in this Section prevents either party from seeking temporary or preliminary injunctive relief in aid of arbitration from a court of competent jurisdiction.
19.3 No Class Actions
Arbitration will proceed on an individual basis only. To the extent permitted by law, claims may not be arbitrated as a class, collective, coordinated, or representative action, and the arbitrator may not consolidate the claims of more than one person except to the extent the applicable AAA rules expressly require otherwise. If this restriction is found unenforceable as to a particular claim, that claim alone may proceed in court, and the remainder of this Section will continue to apply to all other claims.
19.4 Exceptions and Time Limit
Claims to protect intellectual property, claims involving theft, fraud, unauthorized use, or invasion of privacy, requests for injunctive relief, and claims within the jurisdiction of an applicable small-claims court may be brought in court instead of arbitration. Any claim relating to these Terms or the Service must be brought within one year after it arises, or it will be barred to the extent permitted by law.
20. Electronic Communications
By using the Service, a user agrees to receive communications electronically – by email, SMS where the user has opted in, and through the Service – and agrees that electronic communications satisfy any requirement that they be in writing. A user who opts into SMS messages may incur message and data charges and can opt out at any time by replying STOP.
21. Copyright Complaints (DMCA)
A copyright holder who believes content on the Service infringes their rights may send a notice meeting the requirements of 17 U.S.C. Section 512(c)(3) to Lossdog’s designated agent below. Lossdog will respond as the law requires and may remove content, disable access to content, or act on the account of a repeat infringer. A user whose content was removed in error may submit a counter-notice.
Designated Copyright Agent
Lossdog, Inc.
1801 W Berteau Ave
Chicago, IL 60613
United States
[email protected]
22. California Residents
A California resident whose complaint has not been resolved to their satisfaction may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210 or (916) 445-1254.
23. General Provisions
These Terms, together with the Privacy Notice and any feature-specific terms, are the entire agreement between a user and Lossdog regarding the Service and supersede prior agreements or understandings on the same subject. No statement in advertising, marketing, demonstrations, examples, or promotional materials creates a warranty, promise, or obligation that is not expressly stated in these Terms or in binding feature-specific terms.
Lossdog’s decision not to enforce a provision on one occasion is not a waiver of that provision. If a provision is found unenforceable, the rest of these Terms remain in effect. Lossdog may assign these Terms; a user may not, without Lossdog’s written consent. Nothing here creates a partnership, joint venture, employment, fiduciary, or agency relationship between the parties, and these Terms will not be construed against either party merely because that party drafted them.
24. Contact
Lossdog, Inc.
1801 W Berteau Ave
Chicago, IL 60613
United States
Email: [email protected]