Terms of Use

1. Acceptance of Terms

By accessing and using the STOK Terminal website (stokterminal.com) and its associated services, you agree to these terms in full. If you do not agree, do not use the service.

2. Description of Service

STOK Terminal is an informational platform for independent investors to track portfolios, watchlists, transactions, charts, documents and company fundamentals. The service provides financial data, metrics, ratios and analytical tools for educational and research purposes. It is launching soon: access opens from a free list, in signup order, and is activated by invitation.

Important: STOK Terminal does NOT provide financial advice, investment recommendations, or portfolio management services. We are not registered financial advisors or fund managers. All investment decisions are the sole responsibility of the user.

3. Early Product Stage and Disclaimer of Warranties

STOK Terminal is under active development. Therefore:

• THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND
• We do not guarantee that data is 100% accurate (though we strive for accuracy)
• Errors, downtime, or changes without notice may occur
• We are not liable for financial losses arising from use of the tool

Joining the waitlist is free and creates no charge. We open access in small batches, in signup order, so there may be a wait before your invitation arrives. If you receive an invitation and accept it, the initial early-user price is €6.95/month — a 50% discount off the €13.90 public price. The early-user discount (not a fixed price) remains available while your subscription stays active without cancelling or changing plan, so if the public price changes your price may change with it while keeping the 50% off; if you cancel, change plan and switch back, or return later, the then-current terms will apply.

4. Not Financial Advice

All content on STOK Terminal — including financial data, ratios, charts, and articles — is for informational purposes only and does not constitute financial, investment, legal, or tax advice. Past performance is not indicative of future results. Investing in securities involves risk, including the possible loss of principal.

Always conduct your own due diligence or consult a licensed financial professional before making investment decisions.

5. Permitted Use

By using STOK Terminal, you agree to:

• Use the service only for lawful and authorized purposes
• Not attempt to scrape, bulk-download, or access data in an unauthorized manner
• Not share account credentials with third parties
• Not attempt to reverse-engineer or copy the platform's underlying technology
• Respect the privacy and rights of other users

6. Intellectual Property

All content on STOK Terminal — including code, design, processed data, and written content — is the property of STOK Terminal or its licensors. You may not:

• Copy or reproduce the platform's code or design
• Redistribute processed financial data commercially
• Use STOK Terminal's branding without written permission

7. Data Accuracy

Financial data on STOK Terminal is sourced from public filings and third-party providers and is processed automatically. While we make every effort to ensure accuracy:

• Errors, delays, or gaps may exist
• Some figures may be estimates or restated values
• We recommend verifying critical data against official regulatory filings

8. Limitation of Liability

To the maximum extent permitted by law, STOK Terminal is not liable for: financial losses, damages arising from use of the service, inaccurate data, or service interruptions.

Investing in financial markets carries inherent risk. Losses are possible. STOK Terminal is an informational tool, not a guarantee of investment returns.

9. Changes to the Service

We reserve the right to modify, suspend, or discontinue the service at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the service.

10. Account Termination

We may terminate or suspend your access immediately, without prior notice, if we detect abuse or violation of these terms. You may also request account cancellation at any time by contacting us.

11. Governing Law

These terms are governed by Spanish law, without prejudice to any mandatory consumer protection rules that may apply. Any dispute will be resolved by the legally competent courts or authorities.

12. Contact

For questions about these terms: hello@stokterminal.com