Terms of Service

Last Updated: September 23, 2026

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the website located at stockchase.com, the Stockchase mobile application(s) (the "App"), and any related subscription services (collectively, the "Service"), operated by Stockchase Inc. ("Stockchase," "we," "us," or "our"), a corporation continued under the Canada Business Corporations Act, with its registered office at 2 Queen St E, #1500, Toronto, ON M5C 3G7, Canada.

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. Eligibility

The Service is not directed at individuals under 13, and we do not knowingly collect personal information from them.

You must be at least 18 years old, or the age of majority in your jurisdiction, to purchase or hold a paid Subscription (as described in Section 6). If you are under that age, you may use free features of the Service but may not subscribe, and any Subscription purchase made by a person who does not meet this requirement may be cancelled by us.

A parent or guardian consenting to a minor's use of the Service is responsible for that minor's compliance with these Terms.

3. Description of the Service

Stockchase aggregates, paraphrases, and publishes summaries of investment commentary made by third-party financial experts on public media, including television programs. Stockchase also provides stock and expert data, watchlists, and related tools, some of which may require a paid subscription.

4. Not Investment Advice

The Service is for informational and educational purposes only and does not constitute investment, financial, tax, or legal advice.

• Content on the Service consists of Stockchase's paraphrased summaries of opinions expressed by third parties. Stockchase does not verify, endorse, recommend, or promote any investment strategy, security, or expert opinion referenced on the Service.
• Paraphrasing is performed manually and may contain errors or omissions. Stockchase makes no representation as to the accuracy, completeness, or timeliness of any content.
• You are solely responsible for your investment decisions. You should consult a licensed financial advisor before making any investment decision.
• Nothing on the Service creates a fiduciary, advisory, or other special relationship between you and Stockchase.

5. Accounts

To access certain features, you must register for an account. You agree to:

• Provide accurate and complete registration information
• Maintain the security of your login credentials
• Be responsible for all activity under your account
• Notify us promptly of any unauthorized use

We may suspend or terminate accounts that violate these Terms.

6. Subscriptions and Billing

Stockchase offers paid subscription plans on a monthly or annual basis (each, a "Subscription"). Current plans, pricing, and features are shown on our pricing page and at checkout. The plan, price, and features shown to you when you subscribe apply to your purchase, subject to Section 6.5 (Price changes).

This Section 6 applies to Subscriptions purchased on stockchase.com. Subscriptions purchased through the App using Apple or Google in-app purchase are governed by Section 7.

• Monthly Plan. Billing begins immediately upon subscribing and continues on a recurring monthly basis. No free trial applies to the Monthly Plan.
• Yearly Plan. New subscribers receive a 7-day free trial. You will not be charged during the trial period. If you do not cancel before the trial ends, your payment method will be charged the annual fee and the Subscription will continue on a recurring annual basis.

6.1 Currency.

Subscriptions are billed in CAD for customers with a Canadian billing address, and in USD for all other billing addresses.

6.2 Money-back guarantee.

The guarantee below applies to Subscriptions purchased on stockchase.com, and only to your first payment for a Subscription, not to renewals.

• Monthly Plan: cancel within 7 days of your first charge for a full refund.
• Yearly Plan: cancel within 30 days after your first annual charge (the charge that follows the free trial) for a full refund, no questions asked. (Cancelling during the free trial itself means you are never charged.)

Refund requests made outside these windows are not guaranteed and will be handled at our discretion.

This guarantee does not apply to Subscriptions purchased through Apple or Google in-app purchase. We cannot issue refunds for those purchases. Please request them from Apple or Google (see Section 7).

6.3 Renewals.

Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date. By subscribing, you authorize us to charge your payment method on file at signup and at each renewal. To avoid a renewal charge, cancel before your renewal date (see Section 6.4).

The money-back guarantee in Section 6.2 does not apply to renewal charges, and refund requests for renewal charges are not guaranteed and will be handled at our discretion.

6.4 Cancellation.

For Subscriptions purchased on stockchase.com, you may cancel at any time by logging into your Stockchase account, going to My Profile, then Billing, where instructions for cancelling your Subscription will be provided. Cancellation takes effect at the end of your current billing period. Your Subscription will not renew, and you keep access until that period ends. Cancelling does not entitle you to a refund for the current billing period, except under the money-back guarantee in Section 6.2. For Subscriptions purchased through the App, cancel through your Apple ID or Google Play account (see Section 7).

6.5 Price changes.

We may change Subscription pricing for future billing periods. We will provide you with advance notice of any price increase before it takes effect for your then-current Subscription, consistent with applicable law.

6.6 Taxes.

Applicable taxes will be added at checkout where required, based on your billing address.

6.7 Refund requests.

To request a refund under the money-back guarantee for a Subscription purchased on stockchase.com, contact us at [email protected]. For in-app purchases, request your refund from Apple or Google (see Section 7).

7. Mobile Application Terms

If you access the Service through the App downloaded from the Apple App Store or Google Play Store, the following additional terms apply:

• Stockchase, not Apple Inc. or Google LLC ("App Store Providers"), is solely responsible for the App and its content. App Store Providers have no obligation to furnish support or maintenance for the App, and are not responsible for addressing any claims relating to the App, including product liability claims, legal or regulatory compliance claims, or consumer protection claims.
• Your use of the App must comply with the applicable App Store Provider's terms of service.
• App Store Providers, and their subsidiaries, are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce these Terms against you.
• If Subscriptions are purchased through the App via in-app purchase, billing, renewal, cancellation, and refunds are handled by the applicable App Store Provider according to its own terms. The billing, renewal, cancellation, and refund provisions of Section 6, including the money-back guarantee in Section 6.2, do not apply to those purchases. To manage a Subscription or request a refund, use your Apple ID or Google Play account.

8. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Scrape, harvest, or systematically extract data from the Service without written permission
• Attempt to gain unauthorized access to any part of the Service or its underlying systems
• Interfere with or disrupt the integrity or performance of the Service
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Use automated means to create accounts or access the Service

9. User Content

If the Service allows you to submit comments or other content ("User Content"), you retain ownership of it, but grant Stockchase a non-exclusive, royalty-free, worldwide license to use, reproduce, display, and distribute that User Content in connection with operating and promoting the Service. You are solely responsible for User Content you submit and represent that you have the right to submit it.

We may remove User Content that violates these Terms at our discretion.

10. Intellectual Property

The Service, including its design, text, graphics, logos, and underlying software, is owned by Stockchase or its licensors and is protected by copyright, trademark, and other intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, sell, or lease any part of the Service.

Third-party trademarks, stock data, and expert names/affiliations referenced on the Service belong to their respective owners.

11. Third-Party Links and Content

The Service may contain links to third-party websites or reference third-party content. We do not control and are not responsible for third-party content, and inclusion of a link does not imply endorsement.

12. Disclaimer of Warranties

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

13. Limitation of Liability

To the maximum extent permitted by law, Stockchase and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of the Service, whether based on warranty, contract, tort, or any other legal theory, even if advised of the possibility of such damages.

Stockchase's total liability arising from these Terms or the Service will not exceed the amount you paid to Stockchase in the 12 months preceding the claim.

If applicable law does not allow some or all of the disclaimers or limitations in Sections 12 and 13, those disclaimers and limitations apply to you only to the maximum extent permitted by applicable law.

14. Indemnification

You agree to indemnify and hold harmless Stockchase, its affiliates, and their respective officers, directors, and employees from any claims, damages, or expenses (including reasonable legal fees) arising from your use of the Service or violation of these Terms.

15. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, including for breach of these Terms. Sections that by their nature should survive termination (e.g., Intellectual Property, Limitation of Liability, Indemnification) will survive.

16. Security

We maintain reasonable administrative, technical, and physical safeguards designed to protect the Service and information processed through it. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. Additional detail on how we handle personal information is set out in our Privacy Policy.

17. Governing Law and Disputes

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes arising from these Terms or the Service will be subject to the exclusive jurisdiction of the courts of Ontario.

18. Changes to These Terms

We may update these Terms from time to time. We will update the "Last updated" date above and, for material changes, provide notice through the Service or by email. Continued use after changes take effect constitutes acceptance.

19. Affiliates

Stockchase is affiliated with Wealthica Group Inc., Wealthica Financial Technology Inc., and Vezgo Inc. Stockchase may share information with these affiliates as described in our Privacy Policy.

20. Contact

Questions about these Terms can be directed to [email protected].