App Store
生效日期 / Effective Date：2026-09-08（修订版 1.2.0，在 2026-07-28 版基础上更新）
适用应用 / App：USHKA（Bundle ID：com.jchen.USHKA）
许可方 / 运营主体 / Licensor & Operator：温岭市新河壹嘉软件开发工作室（个体工商户） / Wenling Xinhe Yijia Software Development Studio (sole proprietorship)
重要 / Important： 本 App 的产品运营者、许可方与个人信息处理者为温岭市新河壹嘉软件开发工作室（个体工商户）（下称「运营者」「许可方」「开发者」或「我们」）。 本 App 通过 Apple Developer Program（个人会员资格）上架 App Store；该个人开发者账户持有人与前述个体工商户经营者为同一自然人。 个人开发者账户仅用于苹果分发与结算通道，不改变运营者与许可方的法律身份。 本 App 面向中国大陆用户设计与合规落地，提供个人股票学习与研究工具；即使同步上架海外 App Store，本协议及个人信息处理仍以中华人民共和国法律（含《个人信息保护法》）及本协议、《隐私政策》为准。 请在使用前仔细阅读本协议与《隐私政策》《研究免责声明》。本协议与《隐私政策》共同构成您与运营者之间的约定。 同意全部条款后，请继续使用本 App；如不同意全部或部分条款，请勿使用，并请立即停止使用、卸载本应用。 同意、登录或继续使用即表示您已理解并接受上述文件。 在法律允许的最大范围内，运营者及开发者就您使用或无法使用本 App 不承担任何责任，亦不提供任何赔偿、补偿、退款（Apple 法定/政策退款程序除外且由 Apple 处理）或其他金钱给付。
The operator, licensor, and personal-information handler is Wenling Xinhe Yijia Software Development Studio (sole proprietorship). The App is distributed via the Apple Developer Program (individual membership); the individual Apple Developer account holder and the sole proprietor are the same natural person. Even if also listed on overseas App Stores, this EULA and personal-information processing remain governed by the laws of the People’s Republic of China (including the PIPL) and this Agreement / the Privacy Policy. If you agree to all terms, continue using the App; if you disagree in whole or in part, do not use the App and uninstall it. To the maximum extent permitted by law, the operator and developer assume no liability and provide no compensation or refunds except refunds approved and processed by Apple under Apple’s policies.
您下载、安装、登录或使用 USHKA，即表示同意受本 EULA 及《隐私政策》《研究免责声明》约束。 同意全部条款后，请继续使用本 App；如不同意全部或部分条款，请勿使用，并请立即停止使用、卸载本应用。 若您代表他人使用，您保证已获授权。
By downloading, installing, signing in, or using USHKA, you agree to this EULA and the Privacy Policy / Disclaimer. If you agree, continue using the App; if you do not agree, do not use the App and uninstall it.
许可方授予您一项个人的、可撤销的、非独占、不可转让、不可再许可的有限许可，仅供在您拥有或控制的 Apple 设备上， 按照 App Store 规则与本协议使用 USHKA。
You receive a personal, revocable, non-exclusive, non-transferable license to use USHKA on Apple devices you own or control, subject to App Store rules. Apple and Apple’s subsidiaries are third-party beneficiaries of this EULA.
Content is AI/software-generated for learning only, not investment advice. No guarantee of accuracy or profits. Provided “AS IS” and “AS AVAILABLE” to the maximum extent permitted by law.
Reference USD list prices (App Store display price prevails): Basic $11.99/mo (4 analyses), Deep Research $29.99/mo (10 + PDF), Annual $249.99/yr (120 + PDF); credit packs $2.99 / $11.99 / $27.99 (1 / 4 / 10). One credit = one full multi-agent analysis. Manage or cancel auto-renewable subscriptions in iOS Settings → Apple ID → Subscriptions. Subscription refunds follow Apple’s policies only; the operator does not refund outside Apple’s process. Consumable credit packs are considered delivered when credits are granted; used credits are non-restorable; the operator does not refund delivered or consumed credits outside Apple’s process. Apple-approved refunds are typically limited to the amount actually paid for that transaction.
AI 相关分析默认受「AI 服务器」开关及应用内「AI 数据共享」授权控制。关闭 AI 服务器或选择不允许数据共享时，相关云端分析不可用。
开启并允许即表示您同意：为完成分析，必要请求数据将直接发送至 OpenAI 官方接口（api.openai.com）处理（仅传输研究所需的最小必要信息，不经第三方 LLM 网关转发；详见
隐私政策）。
研究任务编排可由运营者部署的分析引擎（如 api.walletexplain.com/ushka）处理；大模型调用仍直连 OpenAI。
网络、分析引擎或 OpenAI 服务故障可能导致分析失败或延迟，许可方将在合理范围内尽力维护，但不保证不中断；亦不因此向您承担赔偿或补偿责任（Apple 退款程序除外且由 Apple 处理）。
When AI Server is enabled and you allow AI data sharing, necessary analysis request data is sent directly to OpenAI (api.openai.com)—not via a third-party LLM gateway. An analysis engine (e.g. api.walletexplain.com/ushka) may orchestrate tasks; LLM calls remain direct to OpenAI. Network, engine, or OpenAI outages may cause failures or delays; no compensation except Apple-processed refunds where applicable.
在适用法律允许的最大范围内：
To the maximum extent permitted by law, the operator and developer assume no liability and provide no compensation or refunds except refunds approved and processed by Apple. Where liability cannot be fully excluded, aggregate liability is limited to amounts you paid for USHKA via Apple in the 12 months before the claim (or a minimal statutory amount if free). Some jurisdictions do not allow certain limitations.
若因您违反本协议、滥用服务或利用 USHKA 输出从事违法/侵权活动，导致许可方遭受索赔、处罚或损失， 您同意在法律允许范围内赔偿并使其免受损害（含合理维权费用）。
USHKA 的软件、品牌、界面与文档等权益归许可方或权利人所有。本协议不转让任何知识产权。 您保留对您合法提供的输入内容的权利；您授予许可方为提供服务所必需的有限处理许可。
本协议适用中华人民共和国法律（不含冲突规范）。 因本协议产生的争议，双方应先友好协商；协商不成的，提交许可方住所地有管辖权的人民法院诉讼解决， 法律法规另有强制规定的除外。
若您通过 App Store 获得应用，您还可能享有强制消费者保护法下的权利；该等权利不受本协议不公正减损。
Governing law: laws of the People’s Republic of China. Disputes: negotiation first, then courts with jurisdiction at the licensor’s domicile, unless mandatory law provides otherwise. Mandatory consumer rights remain unaffected.
This EULA is between you and the licensor (sole proprietorship; Apple Developer individual account holder is the same natural person), not Apple. Maintenance and support are provided by the licensor, not Apple. Apple may refund the purchase price if applicable warranties fail; the operator does not refund outside Apple’s process.
运营主体 / 许可方：温岭市新河壹嘉软件开发工作室（个体工商户）
Apple 上架：Apple Developer Program 个人会员；个人开发者账户持有人与前述个体工商户经营者为同一自然人
邮箱：support@walletexplain.com
隐私政策：privacy.html
技术支持：support.html
本页：https://walletexplain.github.io/ushka-legal/eula.html
分析引擎相关域名：api.walletexplain.com（研究编排；LLM 直连 OpenAI）
本协议中的「我们」「运营者」「许可方」「开发者」均指上述主体及其同一自然人经营者。 同意全部条款请继续使用本 App；不同意请勿使用并请卸载。 在法律允许的最大范围内，运营者及开发者不承担任何责任，亦不提供任何赔偿或补偿（Apple 退款程序除外且由 Apple 处理）。
Operator / licensor: Wenling Xinhe Yijia Software Development Studio (sole proprietorship).
Email: support@walletexplain.com
If you agree, continue using the App; if you disagree, do not use it. To the maximum extent permitted by law, the operator and developer assume no liability except Apple-processed refunds.