If you discover a security vulnerability in this repository, please open a GitHub Issue or contact the repository owner directly. Do not disclose security issues publicly before they have been assessed.

This repository contains research and educational code related to financial data analysis and backtesting. By using, cloning, forking, or distributing this code, you agree to the following:

You must not use this code or its outputs for:

• Live trading or automated order execution of any kind
• Managing, advising on, or making decisions about real money or assets belonging to others
• Marketing materials, performance advertising, or solicitation of clients
• Any regulated financial activity without proper licensure in your jurisdiction
• Presenting backtest results as live or audited performance

This software is provided "as is", without warranty of any kind. The authors make no representations about the accuracy, completeness, or fitness of this code for any purpose. Financial data sourced from third parties (Yahoo Finance, FRED) is used without verification and may be incomplete, delayed, or inaccurate.

To the maximum extent permitted by applicable law, the author(s) shall not be liable for any financial losses, regulatory penalties, damages, or claims of any kind arising from the use of or reliance on this software. You use this entirely at your own risk.

This project fetches data from:

• Yahoo Finance via yfinance — subject to Yahoo's Terms of Service
• FRED (Federal Reserve Bank of St. Louis) via pandas_datareader — subject to FRED's Terms of Use

Users are responsible for ensuring their own use of these data sources complies with the respective terms of service.

Laws governing financial research, backtesting tools, and performance presentation vary by jurisdiction. Users outside the United States are solely responsible for compliance with applicable local laws and regulations.