Terms of Service

1. Scope, provider & definitions

These Terms of Service (the “Terms”) govern your use of the web application Stonks Ask Terminal. (the “Service” or “Platform”) and all features, content, and paid services provided through it.

The provider and your contracting party is Stefan Wensauer, Eichweg 27a, 87666 Pforzen, Germany (the “Provider”, “we”, or “us”). Contact: support@stonksask.me.

“User” means any natural or legal person who creates an account or uses the Service. “Consumer” means any natural person entering into the contract for purposes that are predominantly outside their trade, business, or profession (§ 13 German Civil Code/BGB). “Entrepreneur” means a person acting in the course of their trade or profession (§ 14 BGB).

We object to any conflicting or supplementary terms of the User; such terms only become part of the contract if we have expressly agreed to them in writing.

This is a courtesy English translation. The German version of these Terms prevails in the event of any discrepancy (see Section 22).

2. Subject matter & description of services

Stonks Ask Terminal. is a software-based information and analysis tool for financial market research. The Service provides, in particular, an AI-assisted terminal (chat), the presentation of market data (quotes, fundamentals, news), watchlist and portfolio features, and optional convenience features such as saved preferences (“memories”).

The specific scope of functions results from the current description on the website and in the app and from the plan you select. We owe the provision of the Service according to the current state of the art, but not any particular economic outcome.

The Service expressly does not constitute investment, legal, or tax advice (see Section 13). We are entitled to further develop, adjust, and modify individual features, provided this is reasonable for the User and does not jeopardize the purpose of the contract.

3. Conclusion of contract & registration

The presentation of the Service and plans does not constitute a binding offer but an invitation to submit an offer.

By registering, the User submits an offer to conclude a free user agreement. The contract is formed once we activate the account or confirm the registration.

For paid services, a separate, fee-based contract is formed when the User completes the ordering process via our payment provider and we confirm the order or make the service available (see Section 5). The contract language is German; an English version is also available.

4. Account, eligibility & credentials

An account is required to use the Service. The User must provide truthful and complete information during registration and a valid email address. As a rule, only one account per person is permitted.

The User must be of legal age (at least 18 years) and have full legal capacity, or have the legal capacity required to enter into binding contracts in their jurisdiction.

Credentials must be kept confidential and protected from third-party access. The User is responsible for all activity under their account. If misuse is suspected, the User must notify us without undue delay at support@stonksask.me.

5. Plans, prices & payment processing

The Service is offered in paid plans (subscriptions and/or usage-based credits/“top-ups”). The applicable services, usage limits, and prices result from the price overview valid at the time of order in the app or on the website.

All prices are stated in the indicated currency. Because the small-business regulation under § 19 of the German VAT Act (UStG) applies, no value-added tax (VAT) is shown or charged.

Payments are processed by the payment service provider Stripe (Stripe Payments Europe, Ltd.). By placing an order, the User authorizes recurring charges to the stored payment method for the respective billing period.

Unless stated otherwise, subscriptions renew automatically for the selected term until cancelled by the User (see Section 18). If the User defaults on payment, we are entitled to restrict or suspend access to paid features until the balance is settled. Consumers' statutory right of withdrawal (Section 6) remains unaffected.

6. Right of withdrawal (consumers)

Consumers have a statutory right of withdrawal in accordance with the following instructions.

Right of withdrawal: You have the right to withdraw from this contract within fourteen days without giving any reason. The withdrawal period is fourteen days from the day of conclusion of the contract.

To exercise your right of withdrawal, you must inform us (Stefan Wensauer, Eichweg 27a, 87666 Pforzen, Germany, email: support@stonksask.me) of your decision to withdraw from this contract by an unequivocal statement (e.g., a letter sent by post or an email). You may use the model withdrawal form set out in Section 7, but it is not mandatory. To meet the withdrawal deadline, it is sufficient for you to send your communication concerning the exercise of the right of withdrawal before the withdrawal period has expired.

Effects of withdrawal: If you withdraw from this contract, we shall reimburse to you all payments received from you without undue delay and no later than fourteen days from the day on which we are informed of your decision to withdraw. We will use the same means of payment that you used for the original transaction, unless expressly agreed otherwise; in no event will you be charged any fees as a result of this reimbursement.

Early expiry of the right of withdrawal: For a contract for the supply of digital content not on a tangible medium or of digital services, the right of withdrawal expires if you have expressly consented to us beginning performance before the end of the withdrawal period and you have acknowledged that you thereby lose your right of withdrawal once performance begins. If, at your express request, we begin providing a service during the withdrawal period and you then exercise your right of withdrawal, you owe a reasonable amount for the service provided up to the point of withdrawal.

7. Model withdrawal form

(If you wish to withdraw from the contract, please complete this form and send it back.)

To Stefan Wensauer, Eichweg 27a, 87666 Pforzen, Germany, email: support@stonksask.me:

I/We (*) hereby withdraw from the contract concluded by me/us (*) for the purchase of the following service/digital content (*):

— Ordered on (*)/received on (*): — Name of consumer(s): — Address of consumer(s): — Signature of consumer(s) (only for notification on paper): — Date:

(*) Delete as appropriate.

8. Acceptable use & user obligations

The User may use the Service solely within the bounds of applicable law and these Terms, for lawful personal or internal business research and analysis.

The following are prohibited in particular: circumventing or manipulating usage limits, access controls, or security mechanisms; automated extraction (scraping), reproduction, or resale of content or market data; reverse engineering, decompiling, or disassembling the Platform unless permitted by mandatory law; posting or distributing unlawful, offensive, youth-endangering, or infringing content; distributing malware; and any use that impairs the availability, integrity, or security of the Service. Additional restrictions on market data are set out in Section 11.

The User is responsible for the content and data they enter and warrants that they are entitled to enter and process it and that no third-party rights are infringed.

In the event of a material or repeated breach of this Section, we are entitled to remove the relevant content, restrict features, and—after prior warning, or, in the case of serious breaches, without prior warning—temporarily suspend access or terminate the contract for cause.

9. Usage rights & intellectual property

All rights to the Platform, its software, design, trademarks, and the content we provide remain with us or the respective rights holders. For the term of the contract, the User receives a simple, non-transferable, non-sublicensable right to use the Service within the scope provided for in the contract.

All rights to content entered by the User (e.g., chat inputs, notes, watchlist and portfolio data) remain with the User. The User grants us a simple right, limited to the term of the contract, to store and process this content and to transmit it to the processors required for providing the Service (e.g., AI and infrastructure providers), to the extent necessary to provide the Service.

Additionally, and only where consent has been given, the User grants us a simple right to use chat content (pseudonymized or anonymized where applicable) for training or fine-tuning our own models to improve the Service. Without consent, the service-related license above remains the sole basis. Withdrawal of consent stops inclusion in future exports and training runs; anonymized or pseudonymized training datasets already produced and model weights derived from them remain permissible as described in the Privacy Policy. Rights in user content are not assigned; raw chat data is not sold to third parties for their own model training.

Market data and other third-party content remain subject to the rights of the respective providers; permitted use is governed by Section 11.

10. Third parties & integrations

The Service incorporates third-party services, including for hosting, database/authentication, payment processing, AI processing, market data (in particular Financial Modeling Prep / FMP), and optional portfolio integration. The use of these third-party services may also be subject to their respective terms. Rules specific to market data display and use are set out in Section 11.

If the User connects a portfolio integration (e.g., Parqet), this is done at their request; we assume no warranty for the availability, accuracy, or completeness of data provided by third parties. We are not liable for disruptions whose cause lies solely within the responsibility of a third-party provider.

11. Market data (including FMP) & display rights

Market data made available through the Service—including without limitation quotes, historical prices, charts, fundamentals, news, ETF data, and related metrics—is obtained from third-party data providers, in particular Financial Modeling Prep (FMP), operated by Utradea Inc., and/or other providers we may use from time to time.

The User is granted a limited, non-exclusive, non-transferable, non-sublicensable right to view and use such market data solely within the Service for lawful personal or internal business research and analysis. The User acquires no ownership or proprietary interest in the raw market data.

Without our prior written consent and without a corresponding license from the data provider, the User must not: extract, scrape, bulk-download, copy, redistribute, resell, sublicense, or otherwise make market data available outside the Service; embed market data into their own products, APIs, feeds, or databases for third parties; share API keys or credentials; or engage in mass querying intended to circumvent rate, bandwidth, or usage limits.

AI-generated responses, charts, rankings, scores, and other outputs that incorporate or are derived from market data (“derived outputs”) remain subject to the same restrictions: they may be used within the Service for the User’s research, but must not be used as a vehicle to redistribute underlying market data in bulk or as a substitute data feed.

Nothing in the Service constitutes an endorsement by FMP or any other data provider of Stonks Ask Terminal., the Provider, or any investment decision. We may display attribution to data providers in the Service (e.g., in the UI or footer); where required by a provider, such attribution must not be removed or obscured.

Market data is provided “as is” without warranty as to accuracy, completeness, timeliness, or uninterrupted availability. Data may be delayed, end-of-day only, or otherwise incomplete, and is not intended for order routing, trade execution, or as the sole basis for investment decisions.

A material or repeated breach of this Section entitles us to the same remedies as under Section 8, including suspension or termination for cause.

12. Availability & maintenance

We strive for the highest possible availability of the Service but do not owe any specific availability or uninterrupted accessibility unless expressly agreed otherwise.

Restrictions may arise in particular from necessary maintenance and security measures, technical faults, third-party outages, or circumstances beyond our control (force majeure). Where possible, we announce planned maintenance in good time and carry it out during low-usage periods to the extent reasonable.

13. AI, market & financial disclaimer (no investment advice)

Stonks Ask Terminal. is an information and analysis tool. Neither the AI-generated responses nor the displayed market data constitute investment advice, investment brokerage, tax or legal advice, a recommendation to buy or sell financial instruments, or an invitation to make an investment.

AI-generated content is produced automatically and may be incomplete, outdated, or incorrect. Market data is obtained from third-party providers and provided without warranty as to accuracy, completeness, or timeliness. Display and use of market data are additionally subject to Section 11.

The User makes every investment decision independently and at their own risk. Past performance is not a reliable indicator of future results. Always conduct your own research and obtain qualified, independent advice before making investment decisions.

14. Warranty & defects

Statutory provisions apply to the provision of paid digital products and services, in particular §§ 327 et seq. BGB for consumer contracts.

We provide the Service free of defects within the meaning of the statutory requirements and ensure the updates required under the contract. Defects can be reported to the Provider at support@stonksask.me; we endeavor to remedy them promptly within what is technically possible and reasonable.

The User is obliged to provide reasonable cooperation where necessary to identify and remedy a defect.

15. Liability

We are liable without limitation for damages resulting from injury to life, body, or health based on a negligent or intentional breach of duty, as well as for damages based on intent or gross negligence, and further in accordance with the Product Liability Act and within the scope of any guarantee we have assumed.

In the case of a slightly negligent breach of a material contractual obligation (cardinal obligation)—an obligation whose fulfillment is essential to the proper performance of the contract and on whose observance the User may regularly rely—our liability is limited to the foreseeable damage typical for this type of contract.

Otherwise, liability for slight negligence is excluded. Liability is excluded in particular for lost profits, indirect damages, investment or financial decisions, and damages based on reliance on AI output or market data, except where liability is mandatory.

Where our liability for a slightly negligent breach of a material contractual obligation is limited in amount under the preceding paragraphs, it is limited per claim to the foreseeable damage typical for this type of contract, but in any case to no more than the total fees you paid to us in the twelve months preceding the event giving rise to the claim. Liability for intent, gross negligence, damages resulting from injury to life, body, or health, under the Product Liability Act, and from an assumed guarantee remains unaffected by this cap.

For the loss of data, we are liable within the scope of the above provisions only to the extent that the damage would also have occurred with proper and regular data backups by the User. The above provisions do not entail any change to the burden of proof to the detriment of the User.

Claims for damages against us become time-barred within twelve months from the statutory commencement of the limitation period. This does not apply to claims based on intent or gross negligence, to damages resulting from injury to life, body, or health, to claims under the Product Liability Act, or in other cases of mandatory statutory limitation periods; in those cases, the statutory periods apply.

16. Indemnification

The User shall indemnify us against all third-party claims asserted against us due to an unlawful use of the Service attributable to the User or a breach of these Terms, including the reasonable costs of necessary legal defense.

The obligation to indemnify does not apply to the extent the User is not responsible for the infringement. The User is obliged to support us in defending against such claims to a reasonable extent.

17. Data protection

We process personal data exclusively within the framework of applicable data protection laws, in particular the GDPR. Details on the processing, legal bases, processors used, and data subject rights are set out in our Privacy Policy.

The Privacy Policy is available at any time via the footer of the application and forms part of the pre-contractual information, without itself being part of these Terms.

18. Term, termination & account deletion

The free user agreement runs for an indefinite period and may be terminated by either party at any time without notice.

Paid subscriptions run for the selected billing period and may be cancelled by the User at any time effective at the end of the current billing period via the features provided in the app or by notice to support@stonksask.me. Fees already paid for the current period are not refunded on a pro-rata basis, subject to mandatory statutory claims (in particular the right of withdrawal).

The right to extraordinary termination for cause remains unaffected for both parties. For us, good cause exists in particular in the event of a significant breach of Section 8 or Section 11.

The User can initiate account deletion in the app or request it at support@stonksask.me. Upon the termination or account deletion taking effect, the associated data is deleted in accordance with the Privacy Policy and statutory retention obligations.

19. Changes to these Terms

We may amend these Terms with effect for the future, provided this is necessary due to changes in the legal situation, supreme court case law, market conditions, or our range of services, and the User is not unreasonably disadvantaged thereby.

We will inform you of material changes in an appropriate manner, e.g., by email or via a notice in the app, with reasonable notice before they take effect. If the User continues to use the Service after the changes take effect, or consents to the changes via the function provided, the amended Terms are deemed accepted. We will point out the significance of this conduct in the announcement.

The version and date at the top of this document indicate the current revision.

20. Consumer dispute resolution

We are neither willing nor obliged to participate in dispute resolution proceedings before a consumer arbitration board.

Complaints and inquiries can be sent to support@stonksask.me at any time; you can find our contact details above and in the legal notice.

21. Governing law & jurisdiction

These Terms are governed by the laws of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods (CISG).

If the User is a consumer with habitual residence in the EU, the mandatory consumer protection provisions of the country of their habitual residence remain unaffected; the above choice of law applies to consumers only insofar as it does not deprive them of the protection of such mandatory provisions.

If the User is a merchant, a legal entity under public law, or a special fund under public law, or has no general place of jurisdiction in Germany, the exclusive place of jurisdiction for all disputes arising from this contractual relationship is the Provider's registered office.

22. Final provisions

Should individual provisions of these Terms be or become wholly or partially invalid or unenforceable, the validity of the remaining provisions shall remain unaffected. The statutory provision shall take the place of the invalid or unenforceable provision.

The User may only set off claims or exercise a right of retention with respect to undisputed or legally established counterclaims; this does not apply to consumers with regard to counterclaims arising from the same contractual relationship.

These Terms are provided in German and English. In the event of any discrepancies or questions of interpretation, the German version prevails.