Terms of Service

Stoquence is currently in private beta.

By using the product, you understand that:

• The product is for research, education, and informational purposes only.
• We do not provide personalized investment advice or recommendations.
• The product may use AI, automation, or similar technologies, and outputs may be incomplete, inaccurate, outdated, or misleading.
• Financial data, filings, transcripts, summaries, ownership data, insider activity, valuation outputs, alerts, and other content may be incomplete, delayed, inaccurate, or unavailable.
• You may not scrape, bulk-download, redistribute, resell, or commercially exploit product data or content.
• You may not use the product to provide regulated investment advisory, broker-dealer, or client advisory services unless we expressly agree in writing.
• Product usage events may be collected to improve the beta experience, fix issues, measure usage, and prevent abuse.

Stoquence is a software platform designed to help users research public companies through fundamental data, financial information, filings, transcripts, ownership information, insider activity, screeners, valuation tools, watchlists, alerts, and related product features.

You must be at least the age of majority in your jurisdiction, or otherwise have legal capacity to enter into these Terms, to use Stoquence.

Private beta access may be limited to users based in the United States and Canada, except for approved internal testers, employees, advisors, contractors, or other approved exceptions.

We may accept, decline, suspend, or revoke private beta access where necessary to protect the product, users, data providers, infrastructure, security, or legal compliance.

Where reasonable, we will try to provide notice or an opportunity to resolve the issue. However, we may act immediately without notice in cases involving suspected abuse, scraping, fraud, unauthorized automation, security risk, legal risk, data-provider obligations, or serious misuse.

To use the product, you may need to create an account and verify your email address.

You agree to:

• provide accurate account information;
• keep your login credentials secure;
• not share your account with others unless we expressly allow it;
• notify us if you believe your account has been compromised; and
• use the product only for lawful and permitted purposes.

You are responsible for activity that occurs under your account.

Stoquence is currently in private beta.

Private beta access is provided for evaluation, feedback, research workflow testing, and early product validation.

We may modify, pause, restrict, or discontinue private beta access at any time, including to fix technical issues, manage infrastructure costs, comply with legal or data-provider requirements, prevent abuse, or prepare for public launch.

Because the product is in private beta, you agree not to publicly disclose, publish, post, distribute, or share non-public product information without our permission.

This restriction does not prevent you from sharing feedback privately with us or discussing your own general experience with the product, as long as you do not disclose non-public product details, product data, confidential information, or materials that could compromise the product, our users, our business, our data providers, or our competitive position.

Stoquence is provided for research, education, and informational purposes only.

We do not provide personalized investment advice, financial planning, legal advice, tax advice, accounting advice, or recommendations to buy, sell, hold, or trade any security.

Any valuation output, screen result, metric, alert, company summary, filing summary, transcript summary, ownership information, insider activity, AI-generated content, automated output, or other content shown in the product is informational only.

You are solely responsible for your own investment decisions. You should conduct your own research and consult qualified professionals where appropriate.

We do not guarantee investment returns, profitable outcomes, or avoidance of losses.

Your use of the product does not create an adviser-client, fiduciary, broker-client, attorney-client, accountant-client, or other professional relationship with us.

The product may use artificial intelligence, machine learning, automated processing, rules-based logic, or similar technologies to generate or assist with summaries, explanations, classifications, screen results, valuation support, alerts, research workflows, or other content.

AI-generated and automated content may be incomplete, inaccurate, outdated, misleading, inconsistent with original source materials, or unsuitable for your specific circumstances.

You should independently verify important information from original filings, company disclosures, transcripts, financial statements, exchange filings, press releases, or other authoritative sources before relying on it.

AI-generated or automated content is provided for informational and research workflow purposes only. It is not personalized investment advice, financial advice, legal advice, tax advice, accounting advice, or a recommendation to buy, sell, hold, or trade any security.

The product may include financial data, company information, securities information, filings, transcripts, summaries, ownership data, insider transaction data, valuation outputs, screeners, alerts, and other content.

Some data or content may come from third-party providers, public filings, exchanges, company disclosures, APIs, automated processing, or other sources.

Certain data, content, or features may be subject to third-party data-provider restrictions, licensing terms, usage limits, delays, correction requirements, removal requirements, attribution requirements, or other contractual obligations.

We do not guarantee that any data or content is accurate, complete, current, uninterrupted, or error-free. Data may be delayed, incomplete, incorrectly processed, incorrectly classified, or unavailable.

You should verify important information from original sources before relying on it.

The product may include valuation tools that allow you to enter assumptions, review outputs, save intrinsic value estimates, and compare valuation outputs with market prices or other metrics.

Any valuation output is based on assumptions, models, available data, and product logic. It is not a recommendation and should not be treated as a prediction of future price, fair value, investment performance, or business outcome.

You are responsible for evaluating the reasonableness of your assumptions and outputs.

Valuation outputs may vary materially depending on the assumptions used, data inputs, model structure, time period, methodology, and other factors.

The product may allow you to create alerts based on price levels, valuation multiples, saved valuation outputs, watchlists, or other conditions.

Alerts are for convenience only. We do not guarantee that alerts will be delivered, delivered on time, delivered accurately, or delivered without error.

You should not rely on alerts as the sole basis for investment decisions, trading decisions, or time-sensitive actions.

You agree to use the product responsibly, lawfully, and in a way that does not harm the product, other users, our infrastructure, our data providers, or our business.

You agree not to:

• use the product for unlawful, harmful, abusive, deceptive, or fraudulent purposes;
• scrape, crawl, harvest, bulk-download, copy, or systematically extract product data;
• use bots, scripts, automated tools, unauthorized APIs, or similar methods without written permission;
• reverse engineer, decompile, copy, clone, or interfere with the product;
• bypass authentication, paywalls, regional restrictions, usage limits, or security controls;
• share, sell, sublicense, publish, redistribute, or commercially exploit product data or content without permission;
• use the product to create or support a competing database, dataset, application, model, or service;
• use the product or product outputs to provide investment advisory services, broker-dealer services, paid securities recommendations, client reports, model portfolios, or other regulated financial services to third parties unless we expressly agree in writing;
• misrepresent product content as personalized financial advice;
• use product outputs in a misleading, deceptive, manipulative, or unlawful way;
• upload malicious code or interfere with product security;
• overload, disrupt, or degrade the product or infrastructure;
• violate data-provider terms, exchange rules, intellectual property rights, privacy rights, or applicable law;
• share account credentials without authorization;
• harass, threaten, abuse, or impersonate any person;
• attempt to gain unauthorized access to accounts, systems, or data;
• interfere with another user’s ability to use the product; or
• use the product in a way that could expose us to legal, regulatory, data-provider, infrastructure, or security risk.

We and our licensors own the product, software, design, interfaces, databases, trademarks, content, workflows, summaries, models, documentation, and other intellectual property associated with A.

These Terms do not transfer ownership of any intellectual property to you.

You receive a limited, revocable, non-exclusive, non-transferable right to use the product for your personal or internal research purposes during your authorized access period.

You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from the product except as expressly permitted by us in writing.

You may provide information, notes, saved views, watchlists, assumptions, feedback, suggestions, or other inputs through the product.

You retain ownership of your own original user content, subject to the rights needed for us to provide, secure, improve, and support the product.

You grant us a limited license to host, store, process, display, reproduce, and use your user content only as needed to provide, maintain, secure, support, and improve the product.

If you provide feedback or suggestions, you grant us permission to use that feedback without restriction or compensation to improve, develop, operate, and support the product.

Do not submit confidential, proprietary, or sensitive information unless you are comfortable with us processing it according to our Privacy Policy.

We will not use your name, company name, logo, public profile, testimonial, review, or identifiable feedback in marketing materials without your permission.

We may use aggregated or anonymized feedback to describe product usage, improve the product, or communicate general product learnings, provided it does not identify you.

Our Privacy Policy explains how we collect, use, disclose, store, and protect personal information.

By using the product, you acknowledge that we may process personal information according to our Privacy Policy.

During private beta, we may collect limited product usage events to improve the product, fix bugs, prevent abuse, measure product-market fit, understand feature usage, and protect the product.

We aim to avoid collecting sensitive research inputs through analytics events, such as exact portfolio values, brokerage credentials, personal notes, or detailed valuation assumptions, unless clearly disclosed.

You are responsible for keeping your email address up to date.

We may suspend or terminate your access if:

• you violate these Terms or related policies;
• you misuse or abuse the product;
• your usage creates security, legal, operational, infrastructure, or data-provider risk;
• we are required to do so by law or a third-party provider;
• the private beta or product is discontinued; or
• we reasonably need to protect the product, company, users, or data providers.

Where reasonable, we may provide notice or an opportunity to resolve the issue.

You may request account closure using the method we make available or by contacting us at mail@stoquence.com.

The product is provided “as is” and “as available.”

To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, availability, security, and error-free operation.

We do not guarantee that the product will meet your needs, be uninterrupted, be secure, be accurate, be complete, be current, or be available at all times.

Private beta users should expect bugs, changes, limitations, incomplete functionality, incomplete data coverage, incorrect outputs, and downtime.

To the maximum extent permitted by law, Stoquence, its directors, officers, employees, contractors, affiliates, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, lost data, investment losses, trading losses, business interruption, or loss of goodwill.

To the maximum extent permitted by law, our total liability for any claim related to the product or these Terms will not exceed the greater of:

• the amount you paid us for the product during the three months before the claim arose; or
• CAD $100.

Some jurisdictions do not allow certain limitations, so some of these limitations may not apply to you.

You agree to indemnify and hold harmless Stoquence, its directors, officers, employees, contractors, affiliates, licensors, and service providers from claims, damages, losses, liabilities, costs, and expenses arising from:

• your use or misuse of the product;
• your violation of these Terms or related policies;
• your violation of applicable law;
• your violation of third-party rights;
• your unauthorized use, extraction, redistribution, or commercialization of product data or content;
• your use of product outputs in client reports, advisory services, paid recommendations, or regulated financial services without our written permission; or
• your public disclosure of non-public private beta information in violation of these Terms.

We may update the product and these Terms from time to time.

If we make material changes, we will try to provide notice through the product, email, or another reasonable method.

Your continued use of the product after changes become effective means you accept the updated Terms.

These Terms are governed by the laws of [Province, Canada], and the federal laws of Canada applicable therein, unless applicable consumer protection laws require otherwise.

You agree that disputes will be resolved in the courts located in [City, Province], unless applicable law gives you the right to bring a claim elsewhere.

Questions about these Terms can be sent to:

Email: mail@stoquence.com

Company: Stoquence

Address: [Business address, if applicable]