Terms of Use

1. Acceptance of Terms

By accessing and using the Stok Terminal website (stokterminal.com), the application (app.stokterminal.com) and its associated services, you agree to these terms in full. You must accept them expressly to create an account and use the application. If you do not agree, do not use the service.

Stok Terminal is operated by Hesvel Global, S.L.U., the party you contract with under these terms. Its legal details are available in the legal notice.

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 in service and still being actively developed. 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, accept it and choose a plan, your launch subscription receives Starter 10% off monthly billing or 25% off annual billing, Plus 30% or 40%, and Premium 40% or 50%, respectively. The launch price of each plan, in each currency we offer, is published on the pricing page. Annual percentages apply to twelve months at the public monthly price, and where the resulting figure is rounded, it is rounded in your favour. You keep the percentage for your cadence while the subscription stays active, including when switching between monthly and annual, and it continues to apply if the public price changes; we notify you before charging a new amount. Switching plans or billing cadence uses the launch percentage for the new choice. Cancelling ends it, and returning later does not restore it.

4. Subscriptions, Trial and Billing

• Trial: every subscription starts with a 14-day free trial. A payment method is required to activate it, and nothing is charged during the trial. We email you before the first payment.
• Renewal: unless you cancel during the trial, the subscription continues on the plan and billing cadence you chose. Monthly subscriptions renew each month. Annual subscriptions are charged for the full year after the trial and renew each year until you cancel. The annual price is twelve months at the public monthly price, less the launch percentage for your plan.
• Cancellation: you can cancel at any time. Cancellation takes effect at the end of the billing period already paid for, and you keep access until then.
• Taxes: the prices we publish are base prices and exclude tax. Checkout calculates the tax applicable in your billing country and shows the total before you confirm.
• Currency: we publish prices in more than one currency and you can choose which one to view. The subscription is charged in the currency you choose at checkout, which shows the total amount before you confirm, and the launch percentage applies to the public price in that currency.
• Price changes: we may change the public price of a plan. Existing subscribers are notified by email before any new amount is charged and can cancel before it takes effect.

5. Refunds and Cancellation

Completed payments are non-refundable and cancelling does not pro-rate the current period, except in the cases set out in our refund policy and except where the law grants you stronger rights. Read the full refund and cancellation policy, which forms part of these terms and which you accept before purchase.

6. Billing and Taxes

Before you confirm a purchase, checkout shows the amount to be charged, any applicable tax and the terms that apply to that purchase. Subscription, billing and refund enquiries can be sent to hello@stokterminal.com.

We never receive or store your card details. Your relationship with us for the service itself, its content and its support continues to be governed by these terms.

7. 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.

8. 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

9. Intellectual Property

All content on Stok Terminal — including code, design, processed data, and written content — is the property of Hesvel Global, S.L.U. 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

10. 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

11. 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.

12. Changes to the Service and to These Terms

We may modify, suspend or discontinue features of the service for technical, security, legal or product reasons, without prejudice to the rights consumer law gives you.

We may also change these terms for the same reasons. We will notify you before significant changes take effect, by email or in the application. To keep using the application you will need to accept the version in force. If you do not accept it, you can ask us to close your account by writing to hello@stokterminal.com or cancel your subscription without penalty. The date of the version in force is shown at the top of this document.

13. 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.

14. Complaints

Send any complaint to hello@stokterminal.com. We acknowledge it and give you a reasoned answer within 5 business days. If you are not satisfied, you can consult the European Commission's list of alternative dispute-resolution bodies at consumer-redress.ec.europa.eu.

15. 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.

16. Contact

For questions about these terms: hello@stokterminal.com