Terms of Service

These Terms of Service are a binding agreement between you and Stoxswipe LLC, a Wisconsin limited liability company ("Stoxswipe", "we", "us"). They cover the Stoxswipe mobile application, the website at stoxswipe.app, and everything we offer through them (together, the "Service").

By creating an account, connecting a brokerage, or using the Service in any way, you agree to these Terms, to the Privacy Policy, to the Disclosures, and to the Community Guidelines. All four are part of this agreement. If you do not agree, do not use the Service.

Section 18 contains a binding arbitration provision and a waiver of your right to bring or take part in a class action. Read it. You have 30 days after first accepting these Terms to opt out of arbitration, and Section 18 explains how.

This agreement is between you and Stoxswipe LLC only. Apple Inc. is not a party to it. Section 19 sets out the terms Apple requires us to include.

You may use the Service only if all of the following are true.

1. You are at least 18 years old. Stoxswipe is an investing app and it is not offered to anyone under 18, for any purpose, including browsing. We ask your age during setup and you must confirm you are 18 or older to continue.
2. You are a resident of the United States and you are using the Service from the United States. We do not offer the Service anywhere else.
3. You can form a binding contract and you are not barred from using the Service under any applicable law.
4. You are opening the account for yourself. One person, one account. You may not open an account on behalf of anyone else, and you may not let anyone else use yours.
5. You have not previously been removed from the Service for breaking these Terms or the Community Guidelines.

Children. The Service is not directed to children and we do not knowingly collect personal information from anyone under 18. If we learn that an account belongs to someone under 18, we delete it and the data associated with it. If you believe a child has created an account, email imri@stoxswipe.app and we will act on it.

What it is. Stoxswipe is a self-directed investing app. It shows you publicly available factual information about companies, one at a time. It lets you save companies to a watchlist. It lets you connect your own brokerage account so you can see your holdings in one place, and so you can send an order to that brokerage without leaving the app. It lets you connect with friends you invite and compare percentage returns.

What it is not. Stoxswipe is not a broker-dealer, is not a registered investment adviser, is not a financial planner, and is not a bank. We are not registered with the SEC or FINRA in any capacity, and we are not a member of SIPC. We do not hold, custody, receive, or transmit your money or your securities at any point. We do not execute, clear, or settle trades. We do not accept, hold, or route customer funds.

We are not paid by anyone to show you a company. No company, fund, exchange, market maker or broker pays us to appear in the app, to appear higher in the feed, or to be shown to any particular person. There is no payment for order flow arrangement, because we do not route orders.

This is the most important operational section in these Terms.

Your brokerage account is yours, and your agreement is with your broker. Stoxswipe does not open it, does not control it, and is not a party to it. Your broker's own customer agreement governs that account and, where it conflicts with anything here about your account, your broker's agreement wins.

Every order is placed at your broker. When you confirm an order in Stoxswipe, one of two things happens.

1. Through our brokerage connectivity provider. For some brokerages, your instruction is transmitted through SnapTrade, a third party brokerage connectivity provider, to your broker. Your broker decides whether to accept it and, if it does, executes it.
2. Through your broker's own website, inside the app. For other brokerages, Stoxswipe opens your broker's own order page inside the app and pre-fills the order for you: on the brokerages it is built for, the ticker, the amount, the side of the trade, the order type, and which of your brokerage accounts it comes from; on any other brokerage, only the ticker and the order type. It may also open the order ticket, clear a stale form, and scroll the ticket into view. You review and submit that order yourself, on your broker's page. Stoxswipe never taps a submit, place, review, preview or confirm control. The only controls it activates are the ones that set up the order. On a brokerage it is not built for, it never taps a Buy or Sell control at all.

Your broker is the system of record. Execution, the price you get, the time it fills, partial fills, rejections, cancellations, settlement, cash, margin, dividends, corporate actions, tax reporting, and account restrictions are all your broker's, not ours. If a number in Stoxswipe disagrees with your broker, your broker is right. Please tell us, because we want to fix it, but act on your broker's figures.

We do not guarantee that any order will be placed, accepted, or executed. Connections drop, brokers change their websites, sessions expire, markets close, and orders get rejected for reasons only your broker knows. Stoxswipe shows you what it can see, and tells you plainly when it cannot see something.

Confirm every order at your broker. After you place an order, check it in your brokerage's own app or website. That is the record that counts. If you are ever unsure whether an order went through, do not place it again until you have checked at your broker.

Fractional shares and rounding. Brokers differ in whether they accept fractional shares and in how many decimal places they accept. Where a broker requires whole shares, Stoxswipe blocks the order before you confirm and tells you what would work instead. Where a broker accepts fewer decimal places than the amount you entered, the amount is rounded down to what that broker accepts, never up. One case where the amount can change after you confirm: if your broker rejects a fractional order outright, the app sends it to your broker once more at the whole-share amount below it, which is always smaller than what you asked for, and the confirmation records what your broker actually placed. An order is never sent for more than you confirmed. Your broker's own minimums and rules still apply.

Order type. 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 at the moment you submit it. We try to set it to market, and where we cannot do so reliably we leave your broker's default rather than change it to something you did not choose. Check the order type on the screen before you submit. A market order fills at the best price then available, which may be materially different from the last price you saw, particularly in a fast market, outside regular trading hours, or in a thinly traded security.

Nothing in Stoxswipe is investment advice, a recommendation, an offer, or a solicitation to buy or sell any security. Not the cards. Not the ordering of the feed. Not a Pulse. Not the leaderboard. Not a company description, a statistic, a chart, a hook line, or a headline. Not anything another user says to you.

Stoxswipe does not know your income, your net worth, your tax position, your time horizon, your risk tolerance, or your other holdings, and it does not ask. 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. They stay on your device and they never decide which companies you see or in what order. We never use your financial situation or your risk tolerance to choose stocks. No information in the app has been evaluated for suitability for you, because no such evaluation is ever performed.

We do not tell you what to buy or sell, when to buy or sell it, or how much. Every decision is yours, made on your own judgment, at your own risk. You are solely responsible for your investment decisions and their consequences.

Talk to a professional. Before you invest, consider speaking with a licensed financial adviser, a tax professional, or both. Nothing here is tax advice or legal advice either.

Information in the app comes from third party data providers and public sources. We work to keep it accurate but we do not warrant that it is accurate, complete, current, or free of error, and you should not rely on it as the sole basis for any decision. Verify anything that matters against your broker or the company's own filings.

Three parts of Stoxswipe are worth explaining exactly, because how they work is the reason none of them is advice. The Disclosures page describes each in more detail.

The Discover feed is not personalised investment advice. The order in which companies appear in Discover is not chosen for you. It takes no input from your profile, your age, your holdings, your watchlist, your past swipes, your brokerage, your friends, or your setup answers. It is a fixed curated list, shuffled fresh each time you open the app, with a well known company placed at a regular interval so the deck stays varied. Everyone sees the same universe of companies. It is a shuffle, not a suggestion.

You can filter by interests you choose. The topics you pick during setup shape the short sample deck you swipe in setup and the interest rails in Explore. They are a filter you set yourself and can change at any time. They are never inferred from anything else about you, and a company appearing under one of them is not a recommendation.

Pulses are factual market observations, not signals to act on. A Pulse restates public information: what a fund disclosed in its own published holdings, what an institution reported in an SEC filing, aggregated analyst ratings published by data vendors, or an estimate computed from real market prices and volumes. Each Pulse says where its data came from and how fresh it is. Where a figure is an estimate rather than a reported fact, it says so on the screen. A Pulse is a description of something that happened. It is not a prediction and it is not a recommendation.

The Friends leaderboard shows percentages, never dollars. If you choose to connect with friends, the leaderboard shows each person's percentage return over a period. It never shows dollar amounts, account balances, position sizes, or how much anyone has. If you choose All in, a friend can also see what you hold and that you are watching, bought, or sold a company, never with an amount or a price attached. What people can see, in Friends, controls that, and you can move it back to Friends at any time. A leaderboard position is not a track record, not a performance claim, and not evidence that anyone's approach works. Short-term percentage returns are heavily influenced by luck and by the size and timing of deposits. Do not treat anyone's position on it as a reason to do anything, and do not treat your own as a score to chase.

Prices 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, they are not a quotation from any exchange, and they are not a firm price at which you can trade. Charts, sparklines, percentage changes and "as of" times reflect the vendor data we received, which may lag the market, may be adjusted or corrected later, and may differ from what your broker shows you.

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

Market data is provided as is. Neither we nor our data providers warrant its accuracy, timeliness, completeness or fitness for any purpose, and none of us is liable for any loss arising from your use of it or from any interruption in it. Market data is licensed to you for your own personal, non-commercial use only. You may not redistribute it, republish it, resell it, or use it to build a competing product or a dataset.

Stoxswipe includes features where people can see and message each other: usernames, display names, profile photos, a friends list, a percentage leaderboard, and direct messages between two people who have both accepted the friendship. Those features carry rules, and the rules are enforced.

We have zero tolerance for objectionable content and for abusive users. There is no warning system and no strike count for the things listed below. An account that posts objectionable content or abuses another user is removed from Stoxswipe, and the content is removed. We may do this immediately, without notice, and at our sole discretion.

Objectionable content and behaviour includes, and is not limited to:

1. Harassment, bullying, threats, stalking or intimidation of any person.
2. Hate speech, or attacks on a person or group based on race, ethnicity, national origin, religion, sex, gender identity, sexual orientation, disability, age, immigration status or any other protected characteristic.
3. Sexual content, nudity, sexually explicit material, and any sexual content involving a minor, which we report to the authorities.
4. Content that sexualises, endangers or exploits a child in any way.
5. Violence, gore, or content that glorifies, threatens or incites violence, self-harm or suicide.
6. Illegal content or activity of any kind.
7. Spam, scams, phishing, chain messages, pyramid or ponzi schemes, "guaranteed return" offers, and unsolicited promotion of any kind.
8. Investment advice sold, offered or implied by a user who is not licensed to give it, tips presented as inside information, and any attempt to coordinate trading to move a price, which is market manipulation and is illegal.
9. Impersonation of another person, of a company, of a public figure, or of Stoxswipe.
10. Sharing another person's private information without their permission.
11. Sharing anyone's account credentials, including your own.

Report it, and block them. Every message, conversation, profile, profile photo, friend request and search result in Stoxswipe carries both a report control and a block control, from inside the app. Blocking is immediate, works in both directions, ends the friendship and hides the conversation, and does not wait on us. You can also report anything to imri@stoxswipe.app without opening the app or having an account. Reports are private and the person reported is never told. The Support page has the exact steps.

What we do about it. We review every report within 24 hours. Objectionable content is removed. Abusive accounts are ejected. Our decision is final, and an account removed for a zero tolerance breach is not reinstated.

You must be a person, and you must be civil. Direct messages are only possible between two people who have each accepted the other. Nobody can message you unless you accepted them, and you can end that at any moment by blocking or removing them.

Your content is yours. Your username, display name, profile photo and messages belong to you. You are responsible for them, and you promise you have the right to post what you post.

To run the Service we need permission to handle it, so you grant Stoxswipe a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, and display your content only for the purpose of operating, securing and supporting the Service. The licence ends when you delete the content or your account, except for copies retained in a report record or where the law requires us to keep them. We do not sell your content, we do not use it to train models, and we do not use it in advertising.

We can remove content. We may remove or restrict any content that breaks these Terms or the Community Guidelines, or that we are required to remove by law, at any time and without notice.

Copyright. If you believe something on Stoxswipe infringes your copyright, email imri@stoxswipe.app with the work in question, where it appears, your contact details, a statement that you believe in good faith that the use is not authorised, and a statement under penalty of perjury that your notice is accurate and that you are the owner or authorised to act for them. We remove infringing material and terminate the accounts of repeat infringers.

Stoxswipe is a subscription app. A membership, weekly or yearly, unlocks the app: Discover, Explore, new buys, Friends, Rom and The Close. What you already own is never behind it: if you are not a member and have a brokerage linked, you can always open Portfolio, see your holdings and sell them (at some brokerages the app opens the broker's own site to finish the sale). The first 500 people to sign in with Apple while founding spots are open become founding members, use Stoxswipe free for life, and are never billed. A spot is given when an account signs in with Apple, to someone who does not already hold a membership; a guest who has not signed in cannot hold one, and a spot is not given back when an account is deleted. If you buy a membership, these terms apply, and the same terms appear on the purchase screen before you pay.

1. What you get and what it costs. The title of the subscription, the length of each period, and the price for that period are shown on the purchase screen before you buy. Prices are in US dollars and include any applicable tax where required.
2. It renews automatically. Subscriptions renew automatically at the end of each period at the then current price, and continue renewing until you cancel.
3. When you are charged. Payment is charged to your Apple ID account at confirmation of purchase. Each renewal is charged to the same Apple ID within 24 hours before the end of the current period.
4. Free trials. If a free trial is offered, the trial length is shown before you start it. Unless you cancel at least 24 hours before the trial ends, it converts automatically into a paid subscription and you are charged the price shown. Any unused part of a free trial is forfeited if you buy a subscription during the trial. The yearly plan comes with a 7 day free trial where Apple says you are eligible, once per Apple ID. The weekly plan has no trial.
5. How to cancel. Manage or cancel in Settings → your Apple ID → Subscriptions on your device, at any time. Cancelling stops the next renewal. It does not refund the current period, and you keep access until that period ends. Deleting the Stoxswipe app does not cancel your subscription.
6. Refunds. Purchases are handled by Apple, so refunds are handled by Apple under the Apple Media Services Terms. We cannot issue a refund for an App Store purchase. Except where the law requires otherwise, payments are non-refundable and we do not give partial refunds for an unused period.
7. Price changes. If we change the price, we tell you in advance and Apple asks you to agree before the new price takes effect. If you do not agree, the subscription does not renew.
8. Restoring a purchase. If you reinstall the app or move to a new device, use Restore purchases on the subscription screen to recover an active subscription tied to your Apple ID.

A subscription buys features. It never buys advice, a recommendation, a signal to act on, or any promise about your investment results. No paid tier, and no part of the app, changes anything in Section 5.

Keep it secure. You are responsible for your account and for everything that happens on it. Keep your credentials to yourself, use a device passcode, and tell us straight away at imri@stoxswipe.app if you think someone else has access.

Delete it whenever you want. Settings → Delete account permanently deletes your Stoxswipe account and the data associated with it, and unlinks your brokerage from Stoxswipe. It is immediate and it cannot be undone. It does not close your brokerage account, which only your broker can do, and it does not cancel an App Store subscription, which you cancel through Apple. The Privacy Policy sets out exactly what deletion removes.

We can close it too. We may suspend or terminate your access, with or without notice, if you break these Terms or the Community Guidelines, if we are required to by law, or if we reasonably believe your account is being used to harm someone. For a zero tolerance breach under Section 8, we do this immediately.

We can stop offering the Service. We may change, suspend or discontinue any part of the Service, or all of it, at any time. If we shut the Service down, we will give you reasonable notice where we can, so you can retrieve what you need. Your brokerage account is unaffected, because it was never ours.

You must not:

1. Break any law, or use the Service for market manipulation, insider trading, money laundering, or fraud.
2. Use the Service on behalf of someone else, or open more than one account.
3. Scrape, crawl, harvest, or systematically extract data from the Service, or redistribute or resell any market data.
4. Use a bot, script or automated system to interact with the Service, or attempt to place orders programmatically.
5. Reverse engineer, decompile, or attempt to derive the source code of the app, except where that right cannot be excluded by law.
6. Interfere with the Service, probe or test its security without permission, circumvent a limit or a gate, or introduce malware.
7. Impersonate anyone, or misrepresent your affiliation with any person or company.
8. Use the Service to give investment advice to other users, to solicit investments, or to promote a security, a fund, a scheme or a service.
9. Do anything prohibited by Section 8.

The Service, including its software, design, text, graphics, the Stoxswipe name and logo, and the selection and arrangement of everything in it, belongs to Stoxswipe LLC or to our licensors and is protected by intellectual property law.

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the app on a device you own or control, for your own personal, non-commercial use, in accordance with these Terms and with the App Store's usage rules. That is the whole of what you get. All other rights are reserved.

Company names, tickers and logos shown in the app belong to their owners and appear for identification only. Their appearance is not an endorsement of Stoxswipe by them, or of them by Stoxswipe.

Feedback. If you send us an idea or a suggestion, we may use it freely, with no obligation to you.

The Service is provided "as is" and "as available", without warranty of any kind. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement.

We do not warrant that the Service will be uninterrupted, timely, secure or error free, that defects will be corrected, that data will be accurate or complete, or that any order will be transmitted, accepted or executed. Software, networks, brokers and data vendors all fail sometimes.

Investing involves risk, including the total loss of the money you invest. The value of an investment can go down as well as up. Past performance, whether shown on a chart, in a "$100 a year ago" line, in a Pulse, or on the leaderboard, does not indicate or guarantee future results. We make no promise about the outcome of any investment.

We are not responsible for third parties. That includes your broker, SnapTrade, market data vendors, Apple, and any website or service the app links to or opens. Their acts, omissions, outages, errors, terms and privacy practices are theirs.

To the fullest extent permitted by law, Stoxswipe LLC and its members, officers, employees and agents are not liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, trading losses, investment losses, lost opportunity, lost data, or loss of goodwill, arising out of or relating to the Service, whether based in contract, tort, statute or any other theory, and whether or not we were advised that such damages were possible.

Our total liability to you for all claims relating to the Service is limited to the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, or (b) one hundred US dollars (US$100).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages. Where that is so, the exclusions and limitations above apply to the fullest extent that jurisdiction permits, and nothing in these Terms limits liability that cannot lawfully be limited.

These limits are a fundamental part of the agreement between us and apply even if a limited remedy fails of its essential purpose.

You agree to defend, indemnify and hold harmless Stoxswipe LLC and its members, officers, employees and agents from any claim, demand, loss, liability, damage, cost or expense, including reasonable legal fees, arising out of or relating to your use of the Service, your content, your investment decisions, your breach of these Terms or the Community Guidelines, or your violation of any law or of anyone else's rights.

We may update these Terms. When we do, we change the "Last updated" date at the top of this page. If a change is material, we will give you reasonable notice before it takes effect, in the app or by email, so you can decide whether to keep using the Service.

Continuing to use the Service after a change takes effect means you accept the updated Terms. If you do not accept them, stop using the Service and delete your account.

Governing law. These Terms and any dispute arising out of them or the Service are governed by the laws of the State of Wisconsin, without regard to its conflict of laws rules.

Talk to us first. Before starting a formal proceeding, email imri@stoxswipe.app describing the dispute and what you want. Most things are fixable in a week. If we cannot resolve it within 60 days, either of us may proceed under this section.

Binding arbitration. Except as set out below, you and Stoxswipe agree that any dispute arising out of or relating to these Terms or the Service will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. Arbitration will take place in Dane County, Wisconsin, or by telephone or video, or by written submission, at your election. The arbitrator's decision is final and may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.

Class action waiver. You and Stoxswipe each waive the right to bring or participate in a class action, a class arbitration, a consolidated action, or a representative proceeding. Claims may be brought only individually, on your own behalf. The arbitrator may not consolidate claims or preside over any form of representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim, and only that claim, is severed from arbitration and heard in court.

How to opt out of arbitration. You have 30 days from the date you first accept these Terms to opt out. Email imri@stoxswipe.app with the subject "Arbitration opt-out", your name, and the email on your account. Opting out costs you nothing, changes nothing else about your account, and we will not treat you differently for it. If you opt out, disputes go to the state or federal courts located in Dane County, Wisconsin, and you and we each consent to the jurisdiction of those courts.

What is excluded from arbitration. Either of us may bring an individual claim in small claims court, and either of us may seek injunctive relief in court to protect intellectual property or to stop unauthorised access to the Service.

Time limit. Any claim relating to the Service must be brought within one year of when it arose, or it is permanently barred, except where a longer period is required by law.

Apple. Apple requires us to tell you the following, and you agree to it. This agreement is between you and Stoxswipe LLC only, not with Apple, and Stoxswipe alone is responsible for the app and its content. Apple has no obligation to provide maintenance or support for the app. If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price, if any, and to the maximum extent permitted by law Apple has no other warranty obligation. Stoxswipe, not Apple, is responsible for addressing any claim relating to the app, including product liability claims, any claim that the app fails to conform to a legal or regulatory requirement, and claims arising under consumer protection or similar law. Stoxswipe, not Apple, is responsible for investigating, defending, settling and discharging any third party claim that the app infringes intellectual property rights. You represent that you are not located in a country subject to a US Government embargo or designated as a terrorist supporting country, and that you are not on any US Government list of prohibited or restricted parties. Apple and Apple's subsidiaries are third party beneficiaries of these Terms and, upon your acceptance, have the right to enforce them against you.

Entire agreement. These Terms, the Privacy Policy, the Disclosures and the Community Guidelines are the entire agreement between you and Stoxswipe about the Service, and they replace anything said before.

Severability. If any provision is held unenforceable, it is modified to the minimum extent needed to make it enforceable, or severed, and the rest stays in force.

No waiver. If we do not enforce a provision, that is not a waiver of it.

Assignment. You may not assign these Terms. We may assign them to an affiliate or in connection with a merger, acquisition or sale of assets.

Force majeure. Neither of us is liable for a failure to perform caused by something outside our reasonable control, including a market outage, a broker outage, a data vendor failure, a network failure, or a natural disaster.

Survival. Sections 5, 7, 9, 13, 14, 15, 16, 18 and 19 survive the end of this agreement.

Headings. Headings are for reading convenience and do not affect meaning.

Stoxswipe LLC
Wisconsin, United States
imri@stoxswipe.app

We reply to every message within 24 hours. For safety reports and privacy requests, the Support page has the fastest route.

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