Terms of Use

StockValuer is run by one person, not a company. These Terms are an agreement between you and:

These Terms of Use (“Terms”) govern your access to and use of StockValuer (the “service”), available at stockvaluer.app. By using the service you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the service.

StockValuer is a research and educational tool. Everything it provides — including intrinsic-value estimates, bear/base/bull scenarios, screeners, and any figures or commentary — is for informational and educational purposes only. It is not financial, investment, legal, tax, or accounting advice, and it is not a recommendation or solicitation to buy, sell, or hold any security.

Valuations are model outputs based on assumptions that may be wrong or become outdated, and they can differ materially from a security’s market price or its true value. We are not your broker, adviser, or fiduciary, and no such relationship is created by your use of the service. You are solely responsible for your own investment decisions and should do your own research and consult a licensed professional before acting.

You must be at least 18 years old and able to form a binding contract to use the service. By using it, you represent that you meet these requirements.

Some features require an account. You agree to provide accurate information, to keep your login credentials secure, and to be responsible for all activity under your account. Notify us promptly at privacy@stockvaluer.app if you suspect unauthorized use.

Most of StockValuer is free. Pro is a paid subscription, billed monthly or annually at the prices shown on our pricing page at the time you subscribe.

• Who you are paying. Pro is sold by Paddle.com Market Ltd as merchant of record. They are the seller of the subscription and the party named on your receipt, and your purchase is also subject to their own terms and refund handling. They take the payment, store your card details — we never receive or store them — and they are responsible for charging and remitting any sales tax or VAT that applies where you live. Your agreement to use StockValuer itself remains with the operator named above. Prices are shown in US dollars, and where local tax applies it is calculated and shown at checkout before you confirm.
• Automatic renewal. Subscriptions renew automatically at the end of each billing period at the then-current rate for your plan, until cancelled.
• Cancelling. You can cancel at any time from your account settings — "Manage billing" opens the payment provider's portal, where cancelling takes one click and needs no email to us. Cancellation stops the next renewal; you keep Pro until the period you have already paid for ends, and nothing you have saved is deleted when it does.
• Refunds. If Pro is not what you expected, email hello@stockvaluer.app within 7 days of a charge and we will refund it in full, no questions asked. After 7 days we consider requests case by case — write to the same address and tell us what happened. We issue the refund through Paddle.com Market Ltd, who took the payment; it is returned to the original payment method, normally within 5–10 business days once issued. You may also raise a refund with them directly.
• Price changes. We may change prices for future billing periods and will tell you before a change affects you. If you subscribed at a founding rate, that rate continues for as long as your subscription remains active.
• Failed payments. If a payment fails, we may retry it and may suspend or end Pro access if it cannot be collected.

Paying for Pro does not change the nature of what StockValuer provides: it is an educational analysis tool, and nothing in it is financial advice.

You agree not to:

• use the service for any unlawful purpose or in violation of these Terms;
• scrape, harvest, or bulk-download content, or place automated or excessive load on the service beyond normal personal use;
• copy, resell, redistribute, or create a competing product from the service or its content;
• reverse engineer, probe, or attempt to gain unauthorized access to the service, its systems, or other users’ data;
• interfere with or disrupt the integrity or performance of the service.

The service, its design, and its original content (including the valuations, write-ups, and software) are owned by StockValuer and protected by intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable license to use the service for your own non-commercial research. The underlying financial data is derived from public SEC filings and market prices, which are not owned by us.

If you send us feedback or suggestions, you grant us a perpetual, royalty-free license to use them to improve the service, with no obligation to you.

StockValuer relies on third-party and public data sources, including SEC filings and market-price providers. While we aim for accuracy, we do not warrant that any data, calculation, or estimate is accurate, complete, current, or error-free. Data may be delayed, and models and methodologies may change without notice.

The geographic explorer displays a map built from open data. Map data is © OpenStreetMap contributors, available under the Open Database License (ODbL). Vector tile schemas are © OpenMapTiles, tiles are served by OpenFreeMap, and the map is rendered in your browser with MapLibre GL JS.

Company locations shown on the map are derived from company filings and public geocoding, and are approximate. They indicate a headquarters or registered address only — not operating sites, revenue geography, or any other business footprint.

The service may link to or rely on third-party websites and services. We are not responsible for their content, availability, or practices, and your use of them is at your own risk and subject to their terms.

The service is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, secure, or error-free.

To the fullest extent permitted by law, StockValuer and its operator will not be liable for any indirect, incidental, consequential, special, or exemplary damages, or for any investment losses or lost profits, arising out of or relating to your use of (or inability to use) the service — even if advised of the possibility. Our total liability for any claim relating to the service will not exceed the greater of the amount you paid us for the service in the twelve months before the claim, or USD 100.

You agree to indemnify and hold harmless StockValuer and its operator from any claims, losses, or expenses (including reasonable legal fees) arising from your misuse of the service or your violation of these Terms.

We may modify, suspend, or discontinue any part of the service at any time. We may also suspend or terminate your access if you violate these Terms. You may stop using the service at any time.

StockValuer is operated from Bangkok, Thailand. These Terms are governed by the laws of Thailand, without regard to conflict-of-laws principles, and any dispute will be subject to the courts located there.

This does not take away rights you have where you live. If you are a consumer in the EU, the UK, or anywhere with mandatory consumer protection law, you keep the protections of your own country's law and may bring proceedings there — nothing above is intended to remove them.

We may update these Terms as the service evolves. When we do, we will revise the “Last updated” date above; material changes will be highlighted more prominently. Continuing to use the service after a change means you accept the updated Terms.

Questions about these Terms? Email us at privacy@stockvaluer.app.