Terms of Service

1. Introduction and Platform Purpose

1.1 Platform Purpose

Stockoscope is an educational platform of transparent, user-configurable tools for analyzing publicly available financial information. We do not provide investment advice, recommendations, or personal guidance.

1.2 Agreement to Terms

These Terms of Service (“Terms”) are an agreement between you and Stockoscope Pty Ltd (ABN 67 656 633 948) (“Stockoscope”, “we”, “us”), an Australian company whose registered office is at 44 Atlantic Blvd, Glenfield NSW 2167, Australia. They govern your access to and use of Stockoscope’s financial data platform, including our website, applications, APIs, tools, and related services (collectively, the “Platform” or “Service”). By creating an account, accessing, or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms.

2. No Financial Product Advice

2.1 Nature of Analytical Outputs

We provide tools to display, value, compare, and screen securities, and you set the parameters behind each one: the weights behind a score, the assumptions behind a valuation, the criteria behind a screen. Any classifications, scores, rankings, and valuations are descriptive of those rules and the parameters you choose. They constitute factual information only, being objectively ascertainable information derived from mathematical calculation and publicly available data; they are not recommendations to buy, hold, or sell, they do not take account of your personal circumstances, and they are a starting point for your own research. We do not combine the dimensions into a single overall rating. Our Investment Disclaimer, which forms part of these Terms, explains how to interpret these outputs in full.

2.2 Regulatory Status

Stockoscope Pty Ltd does not hold an Australian Financial Services Licence (AFSL) and is not otherwise licensed or registered to provide financial product advice. Our regulatory status is set out in the Regulatory Status section of the Investment Disclaimer.

3. Definitions

“Platform” or “Service” means Stockoscope’s website, applications, APIs, tools, widgets, and all related services and features.
“User,” “you,” or “your” means any individual or entity accessing, browsing, or using the Platform.
“Content” means all information, data, text, charts, graphs, visualizations, analytics, tools, and other materials available through the Service, provided for educational and informational purposes only.
“Financial Data” means stock prices, fundamental metrics, financial statements, ratios, and related information, which we license from third-party providers.

4. Acceptance and Modification of Terms

4.1 Acceptance

By registering, accessing, or using the Platform, you represent that you have the legal capacity to enter into these Terms. If you access the Platform on behalf of an organization, you warrant that you have authority to bind that entity.

4.2 Changes to Terms

We may update these Terms from time to time. When we do, we will post the updated Terms and ask you to review and accept them the next time you sign in. For changes that materially affect your rights or a paid subscription, we will also give you reasonable advance notice; if you do not accept a material change, you may stop using the Service and, for a paid plan, cancel and receive a pro-rata refund of the unused portion of your current billing period. Continued use after a change takes effect constitutes acceptance.

4.3 Service Modifications

We may add, modify, suspend, or discontinue any feature or aspect of the Service. For changes that materially and adversely affect a paid feature you rely on, we will give reasonable advance notice and, if you do not wish to continue, you may cancel and receive a pro-rata refund of the unused portion of your current billing period.

5. Account Registration and Security

5.1 Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts. By registering, you represent that all information you provide is accurate and current.

5.2 Account Requirements

You agree to:

provide and maintain accurate, complete, and current registration information;
create a strong, unique password and keep your credentials confidential;
maintain a single account for your own use, and not share your credentials or allow others to access the Platform through your account (we may limit concurrent access to one user);
accept responsibility for all activity under your account; and
notify us immediately of any unauthorized access or security breach.

5.3 Plans

We offer paid subscription plans, with a free trial for new accounts. Current plans, prices, billing cycles, trials, and any promotional offers (including Founding pricing) are shown on our pricing page and at checkout. Fees, billing, and refunds are addressed in the Fees section below and our Billing & Refund Policy, which forms part of these Terms. We may add, rename, or retire plans on prior notice.

6. License Grant and Restrictions

6.1 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal educational and informational purposes only.

6.2 Acceptable Use

You may:

access and view Financial Data for personal educational and research purposes;
create and save watchlists (lists of tickers) for your own use; and
download the one-page summary images the Platform generates for a stock’s analysis, for your own personal, non-commercial use and within the limits of your plan.

6.3 Prohibited Uses

You may not:

copy, scrape, or systematically extract data through any automated means;
redistribute, republish, or resell any Content or Financial Data;
create derivative works or compile databases from our Content;
use the Service or any output to create, market, or operate any fund, index, financial product, or investment vehicle without our prior written agreement;
use Financial Data for algorithmic or high-frequency trading without appropriate licensing;
reverse engineer, decompile, or disassemble any part of the Platform;
circumvent usage limits, access controls, or security measures;
use the Service for any illegal purpose or in violation of any law;
interfere with or disrupt the Platform’s operation or infrastructure;
access the Service through unauthorized third-party applications; or
share account credentials or allow unauthorized access to your account.

7. Financial Data

Financial Data is obtained from third-party sources and may contain errors, delays, or omissions; you must independently verify any data before relying on it. Where the data comes from, how it is processed, and its known limitations are set out in our Data Sources and Usage Policy.

Financial Data is licensed to us by third-party providers and remains subject to their terms. You may use it only for your own personal, non-commercial research within the Platform, and the restrictions in the Prohibited Uses section apply to it. It is provided without warranty by those providers, who do not sponsor, endorse, or approve the Platform or any output, and who are intended third-party beneficiaries of these restrictions and that disclaimer to the extent their license terms require.

Investing in securities involves a substantial risk of loss. How to interpret the Platform’s outputs, and the risks and limitations that apply, are set out in our Investment Disclaimer.

8. User Responsibility and Conduct

8.1 User Responsibilities

You are solely responsible for any decision you make using the Platform. How to evaluate and verify our outputs, and your responsibility for your own decisions, are set out in the User Responsibility section of the Investment Disclaimer. You also agree to:

use the Service in compliance with all applicable laws and regulations;
respect intellectual property rights;
not impersonate others or misrepresent your identity; and
report any suspected security vulnerabilities to us.

8.2 Your Content

You may create private content on the Platform, such as watchlists. You retain ownership of that content, and you grant us only the limited license needed to host, process, and display it back to you in order to operate the Service. We do not currently offer public posting or sharing of user content; if we introduce such a feature, additional terms will apply to it at that time.

9. Intellectual Property Rights

9.1 Our Property

All Platform elements, including but not limited to software, designs, logos, trademarks, and proprietary algorithms, are owned by or licensed to Stockoscope and protected by intellectual property laws.

9.2 Feedback

If you choose to send us suggestions, feedback, or ideas about the Service, you grant us a non-exclusive, perpetual, irrevocable, worldwide, royalty-free license to use and incorporate them into the Service, without any obligation to compensate or attribute you. We make no claim of ownership over your feedback, and you are not required to provide any.

10. Third-Party Services and Links

10.1 Third-Party Integrations

We may integrate with third-party services (such as brokers or news providers). Your use of those services is governed by their respective terms.

10.2 External Links

Links to external websites are provided for convenience. We do not endorse, and are not responsible for, third-party content or practices.

11. Jurisdiction and Restrictions

Access to the Service is not permitted where prohibited by law or where it would require us to hold a license or registration we do not have. You are responsible for ensuring that your use of the Service complies with all laws applicable to you, including any local restrictions on financial-information services. We may block access from particular jurisdictions at our discretion.

12. Fees, Billing, and Refunds

Paid plans are charged in advance for the billing period you choose (monthly or annual) and auto-renew at the then-current price until you cancel. All other billing matters, including trials, taxes, price-change notice, renewals, cancellation, and refunds (including our 14-day refund window and any statutory cooling-off or withdrawal rights that apply to you), are set out in our Billing & Refund Policy, which forms part of these Terms. Nothing in these Terms or that policy excludes any consumer right that cannot be excluded under applicable law (see the Disclaimers and Limitations of Liability section).

13. Termination

13.1 Termination by You

You may close your account at any time through account settings. If you have questions or need assistance, please contact support.

13.2 Termination by Us

We may suspend or terminate your account, on reasonable notice where practicable, for:

material breach of these Terms that is not cured within a reasonable period after notice;
suspected fraudulent, abusive, or illegal activity;
inactivity exceeding 24 consecutive months on an account without an active subscription;
non-payment of fees that remains unresolved after reminders; or
where required by law, regulation, or court order.

Where suspension or termination is for suspected fraud, security risk, or legal-compliance reasons, we may act without prior notice.

13.3 Effect of Termination

Upon termination:

your license to use the Service ends immediately;
where you close your account or we terminate for convenience, you will have 30 days to export your saved data and custom content before we delete it; where we terminate for suspected fraud, security risk, material breach, or legal-compliance reasons, access and saved content may be removed immediately;
we may delete your account data in line with our retention policy (see the Privacy & Cookie Policy); and
any outstanding fees become immediately due.

14. Indemnification

To the extent permitted by law, you agree to indemnify Stockoscope Pty Ltd, its affiliates, and their directors, officers, employees, and agents against third-party claims and reasonable legal costs, to the extent they arise from:

your unlawful or willful misuse of the Service;
your breach of the Prohibited Uses section (6.3);
your infringement of a third party’s intellectual property, privacy, or other rights; or
content you submit through the Service.

We will notify you promptly of any such claim, will not settle it without your consent (not to be unreasonably withheld), and will allow you to control the defense; each party will take reasonable steps to mitigate. This indemnity does not apply to the extent a claim arises from our own negligence, breach of these Terms, or breach of law, and nothing in it requires you to indemnify us for any liability that cannot be excluded under the law of your residence, including the Australian Consumer Law where it applies to you.

15. Disclaimers and Limitations of Liability

15.1 Service Disclaimer

To the maximum extent permitted by law, the Platform and all Content are provided on an “as is” and “as available” basis without warranties of any kind. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and non-infringement, and we do not warrant that the Service will be uninterrupted, error-free, or that defects will be corrected.

15.2 Limitation of Liability

To the maximum extent permitted by law:

our aggregate liability arising out of or related to the Service will not exceed the greater of (a) the fees you paid us in the 12 months preceding the event giving rise to the claim, or (b) US$100;
we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, goodwill, data, or investment losses, however caused;
we will not be liable for any loss or damage arising from use of, or reliance on, the Service, its Content, or any model output, including any decision to buy, sell, or hold any financial product; and
these limitations apply even if we have been advised of the possibility of such damages and notwithstanding the failure of any essential remedy.

15.3 Australian Consumer Law and Other Non-Excludable Rights

Nothing in these Terms excludes, restricts, or modifies any guarantee, right, or remedy you may have under the Australian Consumer Law or other consumer-protection legislation that cannot lawfully be excluded. If a non-excludable consumer guarantee applies, our liability for breach of that guarantee is limited (at our option, where the law permits) to: (i) supplying the Service again; or (ii) refunding the price you paid for that service. Equivalent statutory protections in your country of residence apply where they cannot be excluded.

15.4 Force Majeure

We are not liable for delays or failures due to causes beyond our reasonable control, including natural disasters, pandemics, war, terrorism, labor disputes, governmental actions, third-party data provider outages, or internet or hosting service disruptions.

16. Dispute Resolution

16.1 Governing Law

These Terms are governed by the laws of New South Wales, Australia, without regard to conflict of law principles. Where you are a consumer resident in another country, mandatory consumer-protection laws of your country of residence continue to apply to the extent they cannot be excluded by contract.

16.2 Informal Resolution

Before bringing a formal claim, you agree to contact us at [email protected] with a description of the dispute and to spend at least 30 days trying to resolve it informally and in good faith.

16.3 Forum

Subject to your non-waivable consumer rights, the courts of New South Wales, Australia have non-exclusive jurisdiction over any dispute arising out of or related to these Terms or the Service. If mandatory consumer law in your country of residence gives you the right to bring proceedings in your local courts, or limits where we may bring proceedings against you, nothing in these Terms removes that right.

17. General Provisions

17.1 Entire Agreement and Order of Precedence

These Terms incorporate, and should be read together with, our Investment Disclaimer, Privacy & Cookie Policy, Billing & Refund Policy, and Data Sources and Usage Policy. Together they form the entire agreement between you and Stockoscope. If there is any inconsistency between these Terms and one of those policies, these Terms prevail.

17.2 Severability

If any provision is found invalid, the remaining provisions continue in full effect.

17.3 Survival

Sections that by their nature should survive termination, including sections 6.3 (Prohibited Uses), 9 (Intellectual Property), 14 (Indemnification), 15 (Disclaimers and Limitations of Liability), 16 (Dispute Resolution), and this section 17, survive any expiry or termination of these Terms.

17.4 Assignment

We may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets. You may not assign your rights or obligations without our prior written consent.

17.5 No Third-Party Beneficiaries

Except for our data providers as described in the Financial Data section (who may enforce the use restrictions and disclaimers that protect their data), these Terms are for the benefit of you and us only and do not create any rights enforceable by any third party.

17.6 Notices

Legal notices to us should be sent to [email protected] and, for formal service, to our registered office (identified in the Agreement to Terms section). Notices to you may be given by email to the address on your account or by in-app notice.

Related policies

Read this together with our Investment Disclaimer, Privacy & Cookie Policy, Billing & Refund Policy, and Data Sources & Usage Policy.

Contact

Questions about this policy? Email [email protected].