Terms of Service

1. Acceptance of terms

By accessing or using Regime Compass (regimecompass.com), you agree to be bound by these Terms of Service. If you do not agree, do not use the site. Your continued use after any changes to these terms constitutes acceptance of the updated terms.

2. Description of service

Regime Compass is a free, publicly accessible financial data dashboard that displays market regime indicators for selected global indices. It uses statistical models — including a 3-state Gaussian Hidden Markov Model, simple moving averages, and exponential moving averages — to classify each trading day into regime states (bull, bear, neutral).

The service is provided for educational and informational purposes only. It is not investment advice, not a trading signal service, and not a recommendation to buy, sell, or hold any financial instrument. See the full Disclaimer Terms for details.

3. User eligibility

You must be at least 18 years of age to use this site. By using Regime Compass, you represent that you are 18 or older and that your use of the site does not violate any applicable laws or regulations in your jurisdiction. If accessing this site would be prohibited by your local laws, you should not use it.

4. Acceptable use

You may browse and use Regime Compass for personal, non-commercial, educational purposes. You agree not to:

• Scrape, crawl, or harvest data from the site using automated tools, bots, or scripts.
• Use automated access methods to query the site or its API beyond normal browser-based usage.
• Redistribute, republish, or resell data, charts, model outputs, or any other content from the site without prior written consent from the author.
• Reverse engineer the backend systems, APIs, or model implementations beyond what is publicly documented on the Methodology page.
• Interfere with or disrupt the site's infrastructure, servers, or networks.
• Misrepresent the source of the data or present Regime Compass outputs as your own original work.
• Use the site for any unlawful purpose or in violation of any applicable local, national, or international law.

5. Email subscription

Regime Compass offers an optional email alert subscription for regime change notifications. By subscribing:

• You provide your email address voluntarily and confirm it via a double opt-in process (you must click a confirmation link sent to your inbox).
• Your email is used solely to send regime change alerts and occasional service-related updates. We will not spam you.
• You can unsubscribe at any time using the link included in every email.
• We do not sell, rent, or share your email address with third parties.
• We reserve the right to remove inactive or bouncing email addresses from the subscription list.

See the Privacy Policy for more on how we handle your data.

6. Intellectual property

All content on this site — including text, charts, model outputs, visual design, source code, and branding — is the intellectual property of the author, Aditya Sahasrabuddhe, unless otherwise noted.

The statistical methodology is described openly on the Methodology page for educational purposes. You are free to learn from and implement similar approaches independently. However, you may not reproduce, redistribute, or commercially exploit the specific content, outputs, or design of this site without prior written consent.

7. Third-party services

Regime Compass relies on several third-party services to function. By using this site, you acknowledge that these services have their own terms and privacy policies:

• Yahoo Finance — market data is sourced from Yahoo Finance via the yfinance library. Yahoo Finance is a free, unofficial data source and may be inaccurate, delayed, or unavailable at times. The author does not control Yahoo Finance's data quality or availability.
• Google Analytics — the site uses Google Analytics to collect anonymous, aggregate traffic statistics (page views, visitor counts, geographic distribution). No personally identifiable information is collected. Google's privacy policy applies to their processing of this data.
• Google Fonts — typefaces (Inter, Fraunces) are loaded from Google's CDN. Google's privacy policy applies to the font-fetch request.
• jsDelivr CDN — the Chart.js charting library is loaded from jsDelivr. Their privacy policy applies.

The author is not responsible for the practices, availability, or content of these third-party services.

8. Disclaimer of warranties

This service is provided "AS IS" and "AS AVAILABLE", without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, timeliness, or non-infringement.

The author does not warrant that the site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. Model outputs may be delayed, inaccurate, or incorrect. Data from Yahoo Finance may contain gaps or errors.

For the full disclaimer, see /disclaimer.

9. Limitation of liability

To the maximum extent permitted by applicable law, the author, contributors, and operators shall not be liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages — including lost profits, lost data, or business interruption — arising from your use of, inability to use, or reliance on this site or its outputs, whether in contract, tort, negligence, or otherwise.

You use this site entirely at your own risk. You are solely responsible for any trading or investment decisions you make. See the full Disclaimer Terms for details.

10. Termination and discontinuation

The author reserves the right to modify, suspend, or discontinue Regime Compass — in whole or in part — at any time, for any reason, without prior notice or liability. This includes the right to:

• Remove or add markets, models, or features.
• Change the frequency of data updates.
• Suspend or terminate the email alert service.
• Take the site offline temporarily or permanently.

The author may also block access to specific users or IP addresses that violate these terms or engage in abusive behaviour.

11. Governing law

These terms are governed by and construed in accordance with the laws of India. Any disputes arising from or relating to these terms or your use of the site shall be subject to the exclusive jurisdiction of the courts in India.

12. Changes to these terms

These Terms of Service may be updated from time to time without prior notice. The current version will always be available at /terms. The "last updated" date at the top of this page will reflect the most recent revision. Continued use of the site after changes are posted constitutes acceptance of the updated terms.

13. Contact

For questions about these terms, reach the author via the LinkedIn link in the footer. The author is under no obligation to respond.