Important disclosures

Stoxswipe is an information and self-directed investing tool. It is not investment advice, a recommendation, an offer, or a solicitation to buy or sell any security.

That applies to every single thing in the app: the cards, the order they appear in, the company descriptions and hook lines, the statistics, the charts, the sparklines, the "$100 a year ago" line, the sector tags, the Pulses, the Explore rails, the news headlines, the earnings calendar, the analyst numbers, the leaderboard, and anything another user says to you.

Nothing in the app has been evaluated for whether it suits you, because no such evaluation is ever performed. Stoxswipe does not know and does not ask about your income, your net worth, your tax situation, your debts, your time horizon, your risk tolerance, or your existing investments. During setup it asks a few light questions, such as what you want out of the app and how much you might put aside each month; those answers only pick the personality badge shown at the end of setup, stay on your device, and never decide which companies you see. We never use your financial situation or your risk tolerance to choose stocks. It cannot tell you what is appropriate for you, and it never tries.

Every decision is yours. Consider speaking with a licensed financial adviser and a tax professional before you invest. Nothing here is tax advice or legal advice.

Stoxswipe LLC is not: a broker-dealer, a registered investment adviser, an investment adviser representative, a financial planner, a bank, a trust company, or a money transmitter.

We are not registered with the Securities and Exchange Commission in any capacity. We are not a member of FINRA. We are not a member of SIPC, and nothing you do in Stoxswipe is covered by SIPC protection through us. Your brokerage account may have SIPC coverage through your broker; ask your broker.

We never take custody of your money or your securities. We do not hold, receive, transmit, or have any ability to withdraw funds from your brokerage account. We cannot move money. There is no Stoxswipe account balance, because there is no Stoxswipe account that holds anything.

We are describing this precisely because how it works is the reason it is not advice.

The order of companies in Discover is not chosen for you and does not depend on anything about you. It takes no input from your age, your profile, your holdings, your watchlist, your past swipes, your brokerage, your friends, your location, or your interests. Every user draws from the same fixed, curated universe of companies.

The order is a random shuffle, generated fresh each time you open the app, with a widely held company placed at a regular interval so the deck stays varied, and with a rule that two companies from the same sector do not appear back to back. That is the entire method. There is no ranking model, no score, and no prediction.

A company appearing in the feed is not an endorsement of it. The universe is curated for recognisability and variety, not for expected return, and it includes companies in industries some people avoid on principle. Inclusion means only that the company is publicly traded and that we have data for it.

The interest topics you choose during setup are a filter you set yourself. They shape the short sample deck you swipe in setup and the interest rails in Explore, and you can change them at any time. They never affect the Discover feed. They are stored on your device and never sent to our servers.

A Pulse restates public information about market activity. A Pulse is a description of something that already happened. It is not a prediction, not a signal to act on, and not a recommendation. Every Pulse names its source and its date inside the app, and any figure that is an estimate rather than a reported fact says so on the screen.

1. Fund holdings and changes. Taken from holdings that the fund manager publishes itself, free and publicly, on its own website. We restate what was published. A fund's disclosed trade is not a reason for you to make one, and by the time it is published it has already happened.
2. Institutional holdings. Taken from Form 13F filings with the SEC. 13F filings are made up to 45 days after the end of a quarter, so they are always out of date when published. They cover only certain long positions and omit short positions, cash, and most other asset classes, so they are never a complete picture of what an institution holds.
3. Analyst consensus. Aggregated Buy, Hold and Sell ratings published by sell-side firms and collected by our data vendor, updated periodically. These are other people's opinions, restated. Analysts are frequently wrong, they may have relationships with the companies they cover, and a consensus rating is not our view and not a recommendation.
4. Price and volume observations. Computed from real market prices and trading volumes. Facts about what the market did, nothing more.
5. Buying and selling pressure. An estimate, computed with the standard up-volume and down-volume method from real trades. Every trade has a buyer and a seller, so "most bought" does not mean more people bought than sold. It means dollars traded while the price was rising. No exchange tells anyone who initiated a trade, and we do not claim otherwise. Because this is computed a few times a day, the figure may cover part of a session rather than all of it, and the app shows the date it covers.
6. Retail activity. A vendor-supplied measure of retail trading activity and sentiment. It is a sample and a modelled estimate, not a census.

No Pulse is a forecast. Following what a fund, an institution, an analyst or a crowd did will not reproduce their results, and may produce the opposite.

If you connect with friends, the leaderboard shows each person's percentage return over a period, and their rank. It never shows dollar amounts, account balances or position sizes, to anyone. Separately, if you choose All in, a friend can see what you hold and that you are watching, bought, or sold a company, without any amount or price attached. You control that with What people can see in Friends. It starts on Friends, the most private choice, and you can move back to it at any time. Removing someone as a friend removes their view of all of it.

A leaderboard position is not a track record and not a performance claim. It is not calculated to any professional performance standard, it is not audited, it is not time-weighted or money-weighted in any standardised way, and it is not comparable to a fund's reported return. Deposits and withdrawals, timing, position size and plain luck move it more than skill does over any short period.

Do not treat anyone's position as a reason to do anything. Copying another person's trades is not a strategy, and the person at the top of a short-term leaderboard is, statistically, more likely to have taken more risk than to have been more right. Do not treat your own position as a score to chase, and never invest more, or faster, to move up it.

Prices shown in Stoxswipe are indicative and may be delayed. They come from third party market data vendors.

They are not the consolidated national best bid and offer (NBBO). They are not a quotation from any exchange or from any market maker. They are not a firm price, and no price shown in the app is a price at which you can transact. Charts, sparklines, percentage changes and "as of" times reflect the vendor data we received, which may lag the market, may be corrected or restated later, and may differ from what your broker shows you.

Market data may be delayed by fifteen minutes or more depending on the security and the venue, and prices outside regular trading hours are sparse and can be unrepresentative. Data providers occasionally publish bad ticks, and we cannot always catch them.

The price you get is the price your broker gets you, and it will usually differ from the last price you saw in the app. Never treat a price in Stoxswipe as the price of your trade.

Market data is licensed for your personal, non-commercial use only. Neither we nor our data providers warrant its accuracy, timeliness or completeness, and none of us is liable for any loss arising from it.

Stoxswipe does not execute, clear, settle, or route orders, and does not receive payment for order flow, because it does not route order flow.

When you confirm an order, your instruction is either transmitted to your broker through our brokerage connectivity provider, or your broker's own order page is opened inside the app with the details pre-filled for you to review and submit yourself. Either way, your broker decides whether to accept the order, and your broker executes it.

Your broker is the system of record for execution, the price you receive, execution time, partial fills, rejections, cancellations, settlement, cash, margin, dividends, corporate actions, tax documents and account restrictions. If a figure in Stoxswipe disagrees with your broker, your broker is right.

Orders transmitted through our brokerage connectivity provider are market orders. Where instead we pre-fill your broker's own order page, the order type is whatever that page shows when you submit it. We try to set it to market, and where we cannot do so reliably we leave your broker's default alone rather than change it to something you did not choose. The order type is on the screen in front of you, and it is yours to check before you submit.

A market order fills at the best price then available, which can be materially different from the last price you saw, especially in a fast-moving market, in a thinly traded security, or around the open and the close. Stoxswipe does not guarantee that any order will be transmitted, accepted, or executed at all.

Always confirm an order in your brokerage's own app or website. That is the record that counts. If you are unsure whether an order went through, check at your broker before placing it again, so you do not buy twice.

Brokerages differ in whether they support fractional shares, in how many decimal places they accept, and in what minimum order they require. Some accept three decimals, some accept fewer, and some require whole shares only.

Where your broker cannot accept the exact amount you entered, Stoxswipe tells you before you confirm, and the amount that reaches your broker is the amount shown on the confirmation screen. We never round an amount up without showing you.

A dollar figure shown next to a share count is an estimate based on the last price we saw. The actual cost is set by your fill.

The values in the Portfolio tab are estimates, calculated by re-pricing your positions at the last market data we received. They are not your broker's figures. They can differ because of price delay, because a trade has not settled, because of dividends, fees, interest, corporate actions, or because your broker values something differently.

Your portfolio chart is your account, not a stock's price history. The one-day line comes from your current holdings. Longer periods are drawn as a line from recorded snapshots of your account value where we have enough of them. The return figure shown above the chart is calculated a different way, described next.

Where we do not yet have enough snapshots, the app reconstructs the line from the daily closing prices of the companies you currently hold, and it never extends that reconstruction past the day you connected your brokerage. That is a reasonable estimate of how your current holdings moved. It is not a record of what you actually held at the time, because it assumes you held today's positions throughout, and it does not know about money you added or took out. The app labels the period it actually covers rather than calling it "past year", and where it has nothing at all it says it is still building your history and draws nothing. It never fills a gap with an invented line, and where a figure is unavailable it shows a dash rather than a guess.

The return percentage above the chart covers only the period the app actually has data for, which begins when you connected your brokerage to Stoxswipe, not when you opened the position. It is always calculated from the daily closing prices of the companies you hold today, even where snapshots exist. One figure works differently: the total return on an individual holding, shown when you open that holding, comes from your broker's own cost basis and therefore measures from when you opened the position, which may be long before you connected to Stoxswipe. Cost basis is only as complete as what your broker reports. Cash and any crypto your broker holds are not counted in your Stoxswipe total, so it can read lower than your broker's.

A connected brokerage can report nothing at all, and the total will not say so on its own. We can only show what a brokerage reports to us through our connectivity provider. Some brokerages do not report stock positions through that connection, and where that happens the account is connected, the app shows no holdings for it, and your Stoxswipe total is short by everything you hold there. Coinbase is one of these today: it reports crypto but not stock, so stock held at Coinbase does not appear in Stoxswipe, is not counted in your total, and cannot be sold through Stoxswipe. It can only be sold in the Coinbase app. This is a limit at the brokerage, we do not have a date for it changing, and the Portfolio screen says so whenever such an account is connected. Treat your broker's own statement as the record of what you own.

Investing in securities involves risk, including the loss of the entire amount you invest. The value of an investment can go down as well as up. You can lose money. Many people do.

Individual stocks are more volatile than diversified funds, and a single company can fall to zero permanently, whatever its history. Smaller and less liquid companies can move violently and can be difficult to sell at a fair price. A market order in such a company can fill far from the price you expected.

Only invest money you can afford to lose. Do not invest money you need for rent, food, debt payments, or an emergency. Do not borrow money to invest. Swiping is designed to be quick and pleasant; a purchase is a real financial decision, and the two should not feel the same. Take as long as you need before you confirm one.

Past performance does not indicate or guarantee future results. That applies to every historical figure in the app: charts, one-year sparklines, the "$100 a year ago would be worth $X today" line, percentage returns, momentum figures, fund performance, and leaderboard standings.

Historical figures do not account for taxes, or for what you would actually have done during the period. Every long-term chart that ends high passed through periods where a real person would have been tempted to sell. Hypothetical and backward-looking figures are illustrative only, and no return is projected, promised or implied.

Any number shown during the app's introduction animation is decorative and illustrative. It is never anyone's real balance and never a projection of yours.

No company, fund, exchange, market maker or broker pays Stoxswipe to appear in the app, to appear higher in the feed, or to be shown to any particular person. Nothing in the feed is sponsored, paid, or promoted. There is no advertising in Stoxswipe.

We receive no payment for order flow, no commission on your trades, no revenue share from your broker, and no fee from any brokerage for connecting to it. We do not earn more when you trade more.

Stoxswipe's revenue comes from memberships paid by users. The first 500 people to sign in with Apple while founding spots are open are founding members and are never charged. A subscription buys features. It never buys advice, a recommendation, a signal, or any promise about your results.

If any of this ever changes, we will disclose it here and in the app before it takes effect.

Company information, news, earnings dates, analyst ratings, fund and institutional holdings, and market data come from third party providers and public sources. We do not independently verify them. We work to present them accurately and to say where each came from, but we do not warrant that any of it is accurate, complete or current, and you should not rely on any of it as the sole basis for a decision. Verify anything that matters against your broker or the company's own SEC filings.

News headlines and articles are written by their publishers, not by us. Their presence in the app is not an endorsement of their content or their conclusions.

Company names, tickers and logos belong to their owners and appear for identification only. No company shown in Stoxswipe endorses Stoxswipe, and Stoxswipe does not endorse any company shown.

Anything another user says to you is that user's own opinion. It is not advice, it is not checked by us, and it is not endorsed by us.

Stoxswipe LLC
Wisconsin, United States
imri@stoxswipe.app

These Disclosures are part of the Terms of Service. See also the Privacy Policy and the Community Guidelines.

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