Terms of Service

1. Acceptance of Terms

By accessing and using StockIQ ("Service," "Platform," "we," "us," or "our"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

StockIQ is a portfolio tracking and analytics platform that helps you:

• Track your stock portfolio performance with XIRR calculations
• Import transactions from multiple brokers
• Generate tax reports and capital gains statements
• Monitor dividends and corporate actions
• Access portfolio analytics and insights

3. User Accounts

3.1 Account Creation

To use our Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Keep your password secure and confidential
• Notify us immediately of unauthorized access
• Be responsible for all activities under your account

3.2 Eligibility

You must be at least 18 years old to use StockIQ. By creating an account, you represent that you meet this age requirement and have the legal capacity to enter into this agreement.

4. Subscription and Payment

4.1 Free Trial

Early adopters receive a 2-month free trial with full access to all features. No credit card is required during the trial period.

4.2 Paid Subscriptions

After the trial period, continued use requires a paid subscription. You agree to:

• Pay all applicable fees as described in our pricing page
• Provide valid payment information
• Authorize automatic recurring charges (for subscription plans)
• Pay all taxes and fees associated with your subscription

4.3 Refunds

Refunds are provided on a case-by-case basis within 7 days of purchase. Contact [email protected] to request a refund.

5. User Responsibilities

You agree NOT to:

• Use the Service for any illegal purpose
• Violate any laws or regulations
• Upload malicious code or viruses
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Scrape, crawl, or harvest data from the platform
• Reverse engineer or decompile our software
• Share your account credentials with others
• Create multiple accounts to abuse free trials

6. Data and Portfolio Information

6.1 Your Data

You retain all rights to your portfolio data. By using our Service, you grant us a license to:

• Store and process your portfolio data
• Calculate metrics and generate reports
• Display your data within the platform
• Use anonymized, aggregated data for analytics and improvements

6.2 Data Accuracy

While we strive for accuracy, you are responsible for:

• Verifying the accuracy of imported transactions
• Reviewing calculated XIRR and other metrics
• Confirming tax reports with a qualified tax professional
• Making investment decisions based on your own research

7. Disclaimers

7.1 Not Financial Advice

StockIQ provides portfolio tracking and analytics tools only. We do NOT provide:

• Investment advice or recommendations
• Tax advice or preparation services
• Financial planning services
• Broker or trading services

Consult qualified professionals for investment, tax, and financial advice.

7.2 Service Availability

The Service is provided "as is" and "as available." We do not guarantee:

• Uninterrupted or error-free operation
• 100% accurate market data or calculations
• Compatibility with all devices or browsers
• Availability of specific features at all times

8. Limitation of Liability

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

• Investment losses or poor investment decisions
• Tax penalties or incorrect tax calculations
• Data loss or corruption
• Service downtime or unavailability
• Third-party broker or market data errors
• Indirect, incidental, or consequential damages

Our total liability shall not exceed the amount you paid for the Service in the past 12 months.

9. Indemnification

You agree to indemnify and hold harmless StockIQ from any claims, damages, losses, or expenses arising from your use of the Service, violation of these Terms, or violation of any rights of another party.

10. Intellectual Property

StockIQ and its content (including software, design, text, graphics, logos) are owned by us and protected by intellectual property laws. You may not:

• Copy, modify, or distribute our content
• Use our trademarks or branding without permission
• Create derivative works from our platform

11. Termination

11.1 By You

You may terminate your account at any time through account settings or by contacting support.

11.2 By Us

We may suspend or terminate your account if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Fail to pay subscription fees
• Abuse or harm the Service or other users

11.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. You may export your data before termination. We may retain certain data as required by law or policy.

12. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes via email or platform notice. Continued use after changes constitutes acceptance of the updated Terms.

13. Governing Law

These Terms are governed by the laws of India. Any disputes shall be resolved in the courts of India.

14. Contact Information

For questions about these Terms, contact us: