Terms of Use

StockFlows is an AI-powered market intelligence platform that lets users build, customise and view dashboards composed of widgets displaying market-related information — including quotes, charts, tickers, news, ratings, screeners, AI-generated commentary, sentiment scores and watchlist tooling. Some widgets rely on third-party data providers and Large Language Models.

StockFlows is a software product only. We are not a broker, dealer, exchange, investment adviser, financial planner, custodian or money-services business. We do not execute trades, hold customer funds, custody securities, route orders, or provide personalised financial, tax or legal advice. No content on the Service constitutes an offer, solicitation or recommendation to buy, sell or hold any security or other financial instrument.

You must be at least 18 years old (or the age of majority in your jurisdiction, whichever is greater) and legally capable of entering a binding contract. By using the Service you represent and warrant that (i) you meet these requirements, (ii) you are not located in, under the control of, or a national or resident of any country or region subject to comprehensive sanctions by the United States, the European Union, the United Kingdom or Israel, (iii) you are not listed on any government denied-party or sanctions list, and (iv) your use of the Service complies with all laws applicable to you, including securities, tax, export-control and anti-money-laundering laws.

You are solely responsible for keeping your credentials confidential and for all activity that occurs under your account, whether authorised by you or not. You must provide accurate, current and complete information and keep it up to date. Sharing accounts, selling accounts, or allowing automated agents (other than those expressly permitted by us in writing) to access the Service is strictly prohibited. Notify us immediately at support@stockflows.ai of any suspected unauthorised access. We are not liable for any loss arising from your failure to safeguard your credentials.

You agree not to, and not to permit any third party to:

• scrape, crawl, spider, mirror, cache, frame, screen-record, or systematically harvest data, text, images or AI output from the Service;
• resell, sublicense, redistribute, syndicate, broadcast or republish any market data, AI output, charts or other content, in original or derived form;
• reverse-engineer, decompile, disassemble, decrypt or otherwise attempt to derive source code, models, prompts, weights or trade secrets;
• use the Service, or any output of the Service, to develop, train, fine-tune, benchmark or evaluate any competing product, model or dataset;
• circumvent, disable or attempt to bypass rate limits, paywalls, authentication, license keys, watermarks or any other technical or contractual access controls;
• upload, transmit or generate malware, viruses, worms or any harmful code; conduct denial-of-service, brute-force, credential-stuffing, fuzzing or intrusion attempts; or otherwise interfere with the integrity, performance or availability of the Service;
• use the Service for any unlawful, fraudulent, deceptive, defamatory or infringing purpose, or for market manipulation, insider trading, wash trading, spoofing, pump-and-dump schemes, or coordinated dissemination of misleading information;
• impersonate any person or entity, misrepresent your identity or affiliation, or create accounts using false, stolen or automated-generated information;
• remove, obscure or alter any copyright, trademark or proprietary notices;
• use the Service in violation of any applicable export-control, sanctions, anti-corruption or anti-money-laundering law.

We may, at our sole discretion and without prior notice, investigate, throttle, block, suspend or terminate any account that we believe — even based on automated signals alone — to be in breach of this section. You waive any claim arising out of such action.

"AS IS" during Early Access. Because the Service is provided to you free of charge during Early Access, it is delivered strictly "AS IS" and "AS AVAILABLE", with no service-level agreements (SLAs), no uptime, latency, accuracy or availability guarantees, and no financial liability on our part for any interruption, defect, data loss, error, omission, or downtime whatsoever. You acknowledge that Early Access features may change, be throttled, be removed, or be discontinued at any time without notice and without compensation.

Future paid plans. We reserve the right, at our sole discretion, to introduce paid subscriptions, paid tiers, usage-based fees, or other charges for some or all features in the future, and to reclassify features between free and paid tiers. We will give you reasonable advance notice (by email and/or in-app banner) before any such change takes effect. No charges will be applied to you without your explicit consent — including the affirmative addition of a valid payment method and acceptance of the then-current paid plan terms at that time. There is no automatic conversion of Early Access access into a paid subscription.

The remainder of this Section 5 describes the terms that will apply once (and only once) paid plans are introduced and you voluntarily subscribe to one. Until then, those terms have no effect on you.

Paid plans are billed in advance on a recurring basis (monthly or annually) at the price shown on our Pricing page at the time of purchase, plus applicable taxes. You hereby authorise us and our payment processors to charge your payment method automatically for each renewal until you cancel. Free trials, if offered, automatically convert to a paid subscription unless cancelled before the trial ends.

Strict no-refund policy. All fees paid to StockFlows are final and non-refundable and we do not offer refunds, credits or pro-rated returns for any reason, including but not limited to unused time on a subscription, downgrades, dissatisfaction with the Service, failure to use the Service, removal or modification of features, deprecation of widgets, third-party data outages, AI errors, account suspension or termination for breach of these Terms. You may cancel at any time from your account; cancellation stops future renewals but does not entitle you to any refund. Where a mandatory consumer-protection law in your country grants you a non-waivable right of withdrawal, that right is preserved to the minimum extent legally required — and only on production of valid proof of eligibility.

We may change prices, plan structures and feature allocations at any time for future billing cycles, on reasonable advance notice (e.g. by email or in-app banner). Continued use after the change constitutes acceptance.

You retain ownership of dashboards, watchlists, journal notes, alerts and other content you create on the Service ("User Content"). You grant us a worldwide, non-exclusive, royalty-free, sublicensable licence to host, store, reproduce, transmit, display and otherwise process your User Content as strictly necessary to operate, secure, maintain, support and improve the Service, and to comply with legal obligations. You represent and warrant that you have all rights necessary to grant this licence and that your User Content does not infringe any third-party right or applicable law. You are solely responsible for the legality of your User Content.

All right, title and interest in and to the Service — including all source code, object code, design, "look and feel", UI, UX, layouts, graphics, illustrations, logos, names, taglines, trademarks, service marks, trade dress, widgets, templates, dashboards, AI prompts, prompt chains, model configurations, training and evaluation pipelines, documentation, audio-visual content and any derivatives thereof — are and shall remain the sole and exclusive property of StockFlows and its licensors, protected by copyright, trademark, patent, trade secret and other intellectual-property and unfair-competition laws worldwide.

Except for the limited, revocable, non-exclusive, non-transferable and non-sublicensable right to access and use the Service strictly in accordance with these Terms, no licence or right of any kind is granted to you, whether by implication, estoppel or otherwise. All rights not expressly granted are reserved. Any unauthorised use, copying, modification, distribution, public display, framing, scraping or creation of derivative works will be treated as a material breach and as wilful infringement, and we will pursue all available remedies — including immediate injunctive relief, account termination, statutory damages, lost profits, disgorgement of revenue, and recovery of legal fees and costs — in any competent forum.

The Service displays data and content from third-party providers (including market-data feeds, news outlets, AI providers and embedded chart vendors). Their content is subject to their own terms and may be delayed, throttled, inaccurate, incomplete, withdrawn or unavailable without notice. We make no representation or warranty regarding any third-party content and we are not liable for any loss caused by it.

Equities market data is licensed for display inside the StockFlows dashboard only. You may not bulk-download, scrape, redistribute, resell, sublicense or republish raw market data obtained through the Service in any form, whether original or derived.

Nothing on the Service constitutes investment, legal, tax, accounting or other professional advice, and no fiduciary, broker-client or adviser-client relationship is created by your use of the Service. Trading and investing in securities, derivatives, commodities, crypto-assets and other instruments involves substantial risk of loss, including loss of your entire capital. AI-generated commentary, sentiment scores, screeners, alerts and ratings are provided "as is" for informational purposes only and may contain errors, hallucinations, omissions or biases. See our full Disclaimer for further detail. You are solely responsible for any trading or investment decision you make and for verifying any information before acting on it.

10a. Disclaimers of warranties

To the maximum extent permitted by law, the Service, all content and all AI output are provided "AS IS" and "AS AVAILABLE", with all faults and without warranties of any kind, whether express, implied, statutory or otherwise — including warranties of merchantability, fitness for a particular purpose, title, accuracy, completeness, timeliness, quiet enjoyment, system integration and non-infringement, and any warranties arising out of course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, error-free, secure, or will meet your requirements or expectations.

10b. Exclusion of liability — broadest scope permitted by law

To the maximum extent permitted by law, StockFlows, its affiliates, officers, directors, employees, contractors, agents, licensors and suppliers shall not be liable for any loss, damage, cost, expense, claim or missed opportunity — direct, indirect, incidental, consequential, special, exemplary, punitive or otherwise — arising out of or in connection with:

• delayed, inaccurate, incomplete, interrupted, withdrawn or mispriced market data, quotes, charts, fundamentals or indicators;
• third-party data-feed outages, throttling, withdrawal of symbols or changes to data formats;
• AI-generated summaries, sentiment scores, screeners, ratings, alerts or insights that contain hallucinations, factual errors, omissions or bias;
• any trading, investment, hedging, allocation or risk-management decision you make in reliance on the Service or any content displayed in it, including missed gains and incurred losses;
• downtime, latency, bugs, data loss, deletion, corruption, account lockout or any security incident affecting your dashboards, alerts or User Content;
• any act, omission, malware, hack, phishing or breach by a third party;
• force majeure events, including outages of cloud providers, exchanges, ISPs, payment processors, or government action.

Cap on liability. Without prejudice to the foregoing exclusions, our total aggregate liability to you for any and all claims arising out of or relating to these Terms or the Service — whether in contract, tort (including negligence), strict liability, statute or otherwise — shall not exceed the lesser of (a) the fees actually paid by you to us for the Service in the three (3) months immediately preceding the event giving rise to the claim, or (b) USD 100. Multiple claims do not enlarge this cap. The parties acknowledge that this allocation of risk is an essential basis of the bargain and would apply even if any limited remedy is found to have failed of its essential purpose.

You agree to defend, indemnify and hold harmless StockFlows, its affiliates, officers, directors, employees, contractors, agents, licensors and suppliers from and against any and all third-party claims, demands, actions, proceedings, losses, damages, liabilities, fines, penalties, costs and expenses (including reasonable legal fees and disbursements on a full-indemnity basis) arising out of or in connection with (i) your breach of these Terms or any policy referenced herein, (ii) your User Content, (iii) your use of or reliance on the Service or any AI output, (iv) your violation of any law or any third-party right, or (v) any trading or investment decision you make. We may, at our option, assume the exclusive defence and control of any matter subject to indemnification by you, in which case you shall cooperate fully with us. You may not settle any claim without our prior written consent.

You may close your account at any time from your account settings. We may, at our sole and absolute discretion, suspend, restrict, deplatform or terminate your access to the Service — in whole or in part, with or without cause, and with or without prior notice — including (without limitation) where we believe that you have breached these Terms, that your activity poses a security, legal, regulatory, reputational or commercial risk, that continued service is no longer commercially viable, or for any other reason we deem appropriate. Upon termination, your right to use the Service ceases immediately, all outstanding fees become immediately due, no refunds will be issued, and we may delete your User Content after a reasonable retention period. Sections that by their nature should survive termination — including IP, indemnity, disclaimers, limitation of liability, governing law and dispute resolution — will survive.

We may modify, suspend or discontinue any part of the Service — including widgets, features, data sources, AI models and integrations — at any time, without liability. We may also update these Terms from time to time. Material changes will be announced in-app or by email and take effect on the date stated in the notice. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms; if you do not agree, you must stop using the Service.

These Terms, and any dispute, claim or controversy arising out of or relating to them, the Service or your use of it (including non-contractual disputes), shall be governed by and construed in accordance with the laws of the State of Israel, without regard to its conflict-of-law principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

You and StockFlows irrevocably submit to the exclusive jurisdiction of the competent courts of Tel Aviv-Jaffa, Israel, and waive any objection based on venue or forum non conveniens. Nothing in this section limits our right to seek injunctive or equitable relief in any other competent forum to protect our intellectual property or confidential information. Where a mandatory consumer-protection law in your country of residence grants you a non-waivable right to sue in your local courts, that right is preserved to the minimum extent legally required.

These Terms, together with the documents referenced herein, constitute the entire agreement between you and StockFlows and supersede all prior agreements. If any provision is held unenforceable, the remaining provisions will remain in full force and the unenforceable provision will be reformed to the minimum extent necessary. Our failure to enforce any right is not a waiver. You may not assign or transfer these Terms without our prior written consent; we may assign these Terms freely. Headings are for convenience only.

Questions about these Terms? Contact us at legal@stockflows.ai or via our contact page.