Terms and Conditions

1. Agreement to Terms

By accessing or using StockWatch, you agree to be bound by these Terms and Conditions. If you disagree with any part of these terms, you do not have permission to access the service.

2. Disclaimer

StockWatch is not a registered investment advisor. The information provided through our service:

• Is for informational purposes only
• Should not be considered financial advice
• Should be verified with original SEC filings and other authoritative sources
• May contain errors or inaccuracies despite our best efforts
• Is provided "as is" without any warranties of any kind
• May be delayed, incomplete, or unavailable at times

Companies may report their financial data differently based on their industry, accounting practices, and regulatory requirements. While we attempt to normalize this data for comparison:

• The normalization process may introduce inconsistencies
• Not all financial metrics are directly comparable between companies
• Some company-specific accounting nuances may be lost in standardization
• Users should review original financial statements for detailed accounting methods

Always conduct your own research and consult with qualified financial professionals before making investment decisions.

3. Data and Sources

Our data comes from the following sources:

• Stock prices and company profile information are provided by Twelve Data (twelvedata.com)
• Financial statements and regulatory filings are sourced from publicly available SEC filings

While we strive for accuracy:

• Data is provided "as is" without any guarantees
• Updates occur nightly but may be delayed or incomplete
• Users should verify critical information from original sources
• Stock price data and company information accuracy depends on our data provider Twelve Data
• We make no representations about the results to be obtained from using our service
• We do not act as a fiduciary in providing the service or its content

4. User Accounts

To access certain features, you must register for an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

5. Acceptable Use

You agree not to:

• Attempt to circumvent any access controls or usage limits
• Use automated systems to access the service without our express permission
• Redistribute or resell any data or content from our service
• Use the service in any way that could damage or overburden our systems

6. Subscription and Payments

Paid features require a subscription. By subscribing, you agree:

• To pay all applicable fees
• That subscriptions auto-renew unless cancelled
• No refunds for partial months
• We may change pricing with 30 days notice

7. Termination

We reserve the right to:

• Suspend or terminate accounts for violations of these terms
• Modify or discontinue the service at any time
• Refuse service to anyone for any reason

8. Limitation of Liability

To the maximum extent permitted by law, StockWatch and its operators shall not be liable for:

• Any indirect, incidental, or consequential damages
• Investment losses or decisions made using our service
• Data errors or omissions
• Service interruptions or technical issues
• Loss of profits and opportunity costs
• Trading losses
• Lost time or good will
• Claims against you by third parties

In the event that liability is nevertheless imposed on StockWatch, our maximum cumulative liability shall not exceed the amount you paid to StockWatch in the six (6) months preceding the event giving rise to the claim. No action arising from or pertaining to your use of the service may be brought more than one (1) year after such action has accrued.

9. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of significant changes via:

• Email notification
• Notice on our website

Continued use of the service after changes constitutes acceptance of the new terms.

10. Contact Information

For questions about these terms, contact us at:

support@stockwatch.io