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Terms of Service & Privacy Policy

Please read and accept before continuing.

Last updated: October 13, 2026  ·  Version 2.1

Please read these Terms of Service and Privacy Policy carefully before using Stock Beat. By accessing or using the App, you confirm that you are at least 18 years old, have read and understood these terms, and agree to be bound by them. If you do not agree, you must not use the App.

PART A — TERMS OF SERVICE

1. Not Financial Advice — Important Disclaimer. Stock Beat ("the App", "we", "us") is a personal finance organisational tool designed to help users track and plan their own investment strategies. Nothing in the App constitutes financial, investment, legal, accounting, or tax advice of any kind. All content, data, calculations, readiness scores, alerts, and any other output are for informational and organisational purposes only and must not be construed as a recommendation to buy, sell, or hold any security, asset, or financial instrument.

Market prices, fundamentals, and financial data are sourced from third-party providers and may be delayed, incomplete, or inaccurate. Past performance of any investment does not guarantee future results. Investment in financial markets involves significant risk, including the possible loss of the entire amount invested.

You acknowledge and agree that you are solely responsible for all investment decisions you make and that you will conduct your own independent research and, where appropriate, consult a licensed financial adviser, tax professional, or legal counsel before taking any financial action. The App does not know your personal financial situation, objectives, risk tolerance, or legal constraints, and no output from the App should be relied upon as a substitute for professional advice tailored to your circumstances.

2. Eligibility. You must be at least 18 years of age and legally capable of entering into a binding contract in your jurisdiction to use the App. By using the App you represent and warrant that you meet these requirements.

3. Permitted Use. The App is licensed to you for personal, non-commercial use only. You may not: (a) reproduce, redistribute, or resell any part of the App; (b) attempt to reverse-engineer, decompile, or extract source code; (c) use automated tools to scrape or extract data; (d) use the App in any way that violates applicable laws or regulations; or (e) share your account credentials with any third party.

4. Subscription and Payment. Access to certain features may require a paid subscription, which can be purchased only through the App's own in-app payment system (see Section 4A). Subscription fees are billed in advance on a recurring basis (monthly or annual as selected). All fees are stated inclusive or exclusive of applicable taxes depending on your jurisdiction; taxes will be displayed at checkout. You authorise us to charge your payment method on each renewal date. You may cancel your subscription at any time via the in-app account settings or the billing portal; cancellation takes effect at the end of the current paid billing period and you retain access until then. We do not offer refunds for partial billing periods except where required by applicable law.

4A. Payment Only Through the App; Complimentary Tester Access. (a) All payments for Stock Beat must be made exclusively through the App's official in-app payment system. We do not accept, and no person is authorised to accept on our behalf, payment by any other means (including direct transfers, cash, cryptocurrency, third-party payments, or any private or side arrangement), and any such payment creates no subscription, licence, contract, credit, or refund right against us.

(b) Any user who does not have an active subscription paid through the in-app payment system is, for all purposes, a free, complimentary user. By accepting these Terms, you acknowledge and agree that such complimentary access is granted as a tester of the App (including pre-release, beta, and experimental versions and features), on an "as is" basis, at our sole discretion, with no payment owed by either party. Complimentary access carries no entitlement to any feature, level of service, support, availability, or continued access, and may be changed, limited, reset, or withdrawn at any time, with or without notice.

(c) No claims, rights, or IP. To the maximum extent permitted by law, you irrevocably waive and release any claim to ownership, equity, licence, compensation, royalties, credit, or other rights in or to the App or any part of it, whether arising from your use, testing, or participation. Any feedback, suggestions, ideas, bug reports, feature requests, or test results you provide are given voluntarily; you hereby assign to us (and, where assignment is not permitted, grant us a perpetual, worldwide, irrevocable, royalty-free, sublicensable licence to) all rights in them, and you will not assert any intellectual-property or other right against us in respect of them. Nothing in this Section creates any employment, partnership, agency, joint-venture, or investor relationship.

(d) Nothing in this Section 4A limits any right of a paying subscriber under Section 4 or any consumer right that cannot lawfully be waived in your jurisdiction.

5. Data Accuracy. Market prices, exchange rates, and financial data are provided by third-party data sources and may be delayed, estimated, or erroneous. We make no representations as to the accuracy, timeliness, or completeness of any data displayed in the App. You agree not to use App data for real-time trading decisions.

6. Disclaimer of Warranties. THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED AVAILABILITY. WE DO NOT WARRANT THAT THE APP WILL BE ERROR-FREE OR THAT ANY DEFECTS WILL BE CORRECTED.

7. Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, FINANCIAL LOSSES, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE TWELVE MONTHS PRECEDING THE CLAIM OR (B) USD $50.

8. Indemnification. You agree to defend, indemnify, and hold harmless us and our affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the App; (b) any investment decisions you make based on information from the App; (c) your violation of these Terms; or (d) your violation of any third-party right.

9. Intellectual Property. All content, design, code, trademarks, and materials in the App are the exclusive property of Stock Beat and its licensors. Nothing in these Terms grants you any right or licence to use them other than as strictly necessary to use the App for its intended purpose. Section 4A governs rights in any feedback or testing contributions.

10. Account Suspension and Termination. We may suspend or terminate your access at any time, with or without notice, if we believe you have violated these Terms or for any other reason at our sole discretion. Upon termination you must cease all use of the App. Provisions that by their nature should survive termination (including Sections 4A, 6, 7, 8, and 9) shall survive.

11. Third-Party Services. The App integrates with third-party services including Google Firebase, financial data providers, and payment processors. Your use of those services is subject to their respective terms and privacy policies. We are not responsible for the acts or omissions of any third-party service provider.

12. Governing Law and Dispute Resolution. These Terms are governed by and construed in accordance with the laws of the State of Israel, without regard to its conflict-of-law provisions. Any dispute arising under these Terms shall first be subject to good-faith negotiation. If unresolved within 30 days, disputes shall be submitted to binding arbitration in Tel Aviv, Israel, conducted in English, except that either party may seek injunctive relief in any court of competent jurisdiction to prevent irreparable harm.

13. Changes to Terms. We reserve the right to modify these Terms at any time. Material changes will be notified via in-app prompt requiring re-acceptance. Continued use of the App after such notification constitutes acceptance of the revised Terms.

PART B — PRIVACY POLICY

14. Data Controller. Stock Beat is the data controller responsible for personal data collected through the App. For EU/EEA users, we are subject to the General Data Protection Regulation (GDPR). For California residents, we comply with the California Consumer Privacy Act (CCPA). For Israeli users, we comply with the Israeli Privacy Protection Law.

15. Data We Collect.

• Account data: email address (via Google / email authentication)
• Portfolio data: tickers, prices, quantities, notes you enter. This data is stored in Firebase Firestore under your user ID.
• Watchlist and preferences: watchlist items, column settings, alert thresholds, app preferences stored in Firebase and localStorage.
• Usage analytics: login timestamps, device type, IP address, and browser user agent, collected for security and service improvement.
• Voluntary feedback: any feedback, ratings, or feature requests you submit.

We do not collect payment card details (processed directly by our payment provider). We do not sell your personal data to third parties.

16. Legal Basis for Processing (GDPR). For users in the EU/EEA, we process your personal data under the following legal bases: (a) Contract performance — to provide the App and subscription service; (b) Legitimate interests — to improve the service, detect fraud, and maintain security; (c) Legal obligation — where required by law; (d) Consent — for any optional communications or analytics beyond the above.

17. How We Use Your Data. We use collected data to: provide and maintain the App; process subscriptions and payments; authenticate your identity; send transactional communications (account alerts, billing); improve features and fix bugs; detect and prevent fraud and abuse; and comply with legal obligations.

18. Data Sharing. We share data only with: (a) Google Firebase — authentication, database, and hosting (Google LLC, USA, covered by Standard Contractual Clauses for EU transfers); (b) Payment processors (e.g. Stripe) — billing data necessary to process your subscription; (c) Financial data providers — your ticker lookups may be sent to third-party market data APIs; (d) Law enforcement — where required by applicable law or valid legal process.

19. International Data Transfers. Your data may be processed in the United States and other countries outside your jurisdiction. Where required (e.g. EU/EEA), we ensure appropriate safeguards are in place, such as Standard Contractual Clauses approved by the European Commission.

20. Data Retention. We retain your personal data for as long as your account is active or as necessary to provide the service. After account deletion, we may retain anonymised analytics data indefinitely and certain records for up to 7 years where required by financial or legal obligations. You may request deletion at any time (see Your Rights below).

21. Your Rights. Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Access: request a copy of data we hold about you
• Rectification: correct inaccurate data
• Erasure ("right to be forgotten"): request deletion of your data
• Restriction: ask us to limit how we use your data
• Portability: receive your data in a structured, machine-readable format
• Object: object to processing based on legitimate interests
• Withdraw consent: where processing is based on consent
• Non-discrimination (CCPA): we will not discriminate against you for exercising your privacy rights

To exercise any of these rights, use the Feedback option within the App or contact us at the address below. We will respond within 30 days (EU: within one month as required by GDPR). EU/EEA users also have the right to lodge a complaint with their local data protection supervisory authority.

22. Cookies and Local Storage. The App uses browser localStorage and service worker caching solely to store your preferences and enable offline functionality. We do not use advertising cookies or third-party tracking cookies. Google Firebase may set cookies for authentication purposes.

23. Security. We implement appropriate technical and organisational measures to protect your data against unauthorised access, loss, or disclosure, including encrypted data transmission (HTTPS), Firebase security rules, and access controls. No system is perfectly secure; you use the App at your own risk.

24. Children's Privacy. The App is not directed to or intended for use by persons under 18 years of age. We do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us and we will delete it promptly.

25. Contact. For privacy requests, data subject rights, or any questions about these Terms, please use the in-app Feedback feature. We will endeavour to respond within 30 days.

Reminder: Stock Beat is a tracking and planning tool, not a broker, investment adviser, or financial institution. Any figures, scores, or alerts shown are mathematical outputs based on data you enter and market data from third-party sources. Always do your own research and consult a qualified financial professional before making any investment decision.