Stock Alarm Terms & Conditions

By downloading or using the app or website, these terms will automatically apply to you – you should make sure therefore that you read them carefully before using the app. You’re not allowed to copy, or modify the app, any part of the app, or our trademarks in any way. You’re not allowed to attempt to extract the source code of the app, and you also shouldn’t try to translate the app into other languages, or make derivative versions. The app itself, and all the trade marks, copyright, database rights and other intellectual property rights related to it, still belong to Stock Alarm.

By downloading or using the app or website, you are agreeing to comply with the rules and regulations stipulated in the UTP Plan Subscriber Subagreement located here. By continuing to use services and information provided by Stock Alarm LLC, you are agreeing to comply with all the terms and conditions listed here.

DO NOT BASE ANY INVESTMENT DECISION UPON ANY MATERIALS FOUND ON THIS WEBSITE. We are not registered as a securities broker-dealer or an investment adviser either with the U.S. Securities and Exchange Commission (the “SEC”) or with any state securities regulatory authority. We are neither licensed nor qualified to provide investment advice. We are just a group of students who diligently follow industry trends and current events, then share our own advice, which reflects our personal position in the market.

Stock Alarm and its affiliates make the information in this web site available as a service to its customers and other visitors, to be used for informational purposes only.

While we have tried to provide accurate and timely information and have relied on sources, we believe to be reliable, the site may include inadvertent technical or factual inaccuracies. Stock Alarm does not warrant the accuracy or completeness of the materials provided, either expressly or impliedly, and expressly disclaims any warranties or merchantability or fitness for a particular purpose.

The Content on this website is for informational purposes only, you should not construe any such information or other material as legal, tax, investment, financial, or other advice. Nothing contained on our Site constitutes a solicitation, recommendation, endorsement, or offer by Stock Alarm or any third party service provider to buy or sell any securities or other financial instruments in this or in in any other jurisdiction in which such solicitation or offer would be unlawful under the securities laws of such jurisdiction.

All Content on this site is information of a general nature and does not address the circumstances of any particular individual or entity. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. Stock Alarm is not a fiduciary by virtue of any person’s use of or access to the Site or Content. You alone assume the sole responsibility of evaluating the merits and risks associated with the use of any information or other Content on the Site before making any decisions based on such information or other Content. In exchange for using the Site, you agree not to hold Stock Alarm, its affiliates or any third-party service provider liable for any possible claim for damages arising from any decision you make based on information or other Content made available to you through the Site.

Stock Alarm is committed to ensuring that the app is as useful and efficient as possible. For that reason, we reserve the right to make changes to the app or to charge for its services, at any time and for any reason. We will never charge you for the app or its services without making it very clear to you exactly what you’re paying for.

The Stock Alarm app stores and processes personal data that you have provided to us, in order to provide our Service. It’s your responsibility to keep your phone and access to the app secure. We therefore recommend that you do not jailbreak or root your phone, which is the process of removing software restrictions and limitations imposed by the official operating system of your device. It could make your phone vulnerable to malware/viruses/malicious programs, compromise your phone’s security features and it could mean that the Stock Alarm app won’t work properly or at all.

You should be aware that there are certain things that Stock Alarm will not take responsibility for. Certain functions of the app will require the app to have an active internet connection. The connection can be Wi-Fi, or provided by your mobile network provider, but Stock Alarm cannot take responsibility for the app not working at full functionality if you don’t have access to Wi-Fi, and you don’t have any of your data allowance left.

If you’re using the app outside of an area with Wi-Fi, you should remember that your terms of the agreement with your mobile network provider will still apply. As a result, you may be charged by your mobile provider for the cost of data for the duration of the connection while accessing the app, or other third party charges. In using the app, you’re accepting responsibility for any such charges, including roaming data charges if you use the app outside of your home territory (i.e. region or country) without turning off data roaming. If you are not the bill payer for the device on which you’re using the app, please be aware that we assume that you have received permission from the bill payer for using the app.

Along the same lines, Stock Alarm cannot always take responsibility for the way you use the app i.e. You need to make sure that your device stays charged – if it runs out of battery and you can’t turn it on to avail the Service, Stock Alarm cannot accept responsibility.

With respect to Stock Alarm’s responsibility for your use of the app, when you’re using the app, it’s important to bear in mind that although we endeavour to ensure that it is updated and correct at all times, we do rely on third parties to provide information to us so that we can make it available to you. Stock Alarm accepts no liability for any loss, direct or indirect, you experience as a result of relying wholly on this functionality of the app.

Stock Alarm retains the right to disable alarms set by an inactive user on the Stock Alarm application. An inactive user is defined as a user that has not interacted with the Stock Alarm application in a span of 3 months.

At some point, we may wish to update the app. The app is currently available on iOS, Android and Web – the requirements for system (and for any additional systems we decide to extend the availability of the app to) may change, and you’ll need to download the updates if you want to keep using the app. Stock Alarm does not promise that it will always update the app so that it is relevant to you and/or works with the iOS and/or Android version that you have installed on your device. However, you promise to always accept updates to the application when offered to you, We may also wish to stop providing the app, and may terminate use of it at any time without giving notice of termination to you. Unless we tell you otherwise, upon any termination, (a) the rights and licenses granted to you in these terms will end; (b) you must stop using the app, and (if needed) delete it from your device.

Changes to This Terms and Conditions

We may update our Terms and Conditions from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Terms and Conditions on this page. These changes are effective immediately after they are posted on this page.

Contact Us

If you have any questions or suggestions about our Terms and Conditions, do not hesitate to contact us at support@stockalarm.io.

IEX's (our main security data source) Terms of Use

IEX source link

This document sets out the terms that you need to follow if you receive IEX API data through a third party: 1. You may not sell, lease, furnish or otherwise permit or provide access to Investors Exchange ("IEX") API data, which includes data licensed from third-parties. Any redistribution of the IEX API data that you access through a third party is strictly prohibited. If you wish to redistribute IEX API data for free, you must consume IEX API data directly from IEX and follow the IEX API Developer Terms. 2. You will not engage in the operation of any illegal business use or permit anyone else to use the IEX API data, or any part thereof, for any illegal purpose or violation of any IEX or SEC rule or regulation. 3. As between IEX and you, IEX has the exclusive proprietary rights in and to the IEX API data. The IEX API data, including without limitation any and all intellectual property rights inherent therein or appurtenant thereto, shall, as between IEX and you, be and remain the sole and exclusive property of IEX. 4. IEX, its officers, directors, shareholders, employees, agents and consultants shall not be liable to you or to any other person for any inaccurate or incomplete IEX API data, any delays, interruptions, errors, or omissions in the furnishing thereof, or any direct, indirect or consequential damages arising from or occasioned by said inaccuracies, delays, interruptions, errors or omissions. You understand and agree that the terms of this provision reflect a reasonable allocation of risk and limitation of liability. 5. You acknowledge that the IEX API data and all materials related to the IEX API data, are being provided "as is." You expressly acknowledge that IEX and its third-party information providers do not make any representations or warranties with respect to the IEX API data, express or implied, including, without limitation, any implied warranties or any warranties of merchantability, quality or fitness for a particular purpose. 6. Neither IEX nor IEX’s third-party information providers shall have any liability for any damages, whether direct or indirect, whether lost profits, indirect, special, or consequential damages of you or any other person seeking relief through you relating to the accuracy of or delays or omissions in any IEX API data, even if they have been advised of the possibility of such damages. In no event will the liability of IEX or the third-party information providers or their affiliates to you or any other person seeking relief through you pursuant to any cause of action, whether in contract, tort, or otherwise, exceed the fee paid by you or any other person seeking relief through you, as applicable. 7. You agree to indemnify and hold harmless IEX, its owners, subsidiaries, affiliates, officers, directors, employees, agents, and any related Persons from any and all claims or losses imposed on, incurred by, or asserted as a result of or relating to: (a) any noncompliance by you with the terms and conditions hereof; and (b) any third-party actions related to your receipt and use of IEX API data. 8. IEX reserves all rights to the securities information contained in the IEX API data. You understand and acknowledge that such securities information does not reflect trading activity on markets other than IEX, and are intended to provide you with a reference point only, rather than as a basis for making trading decisions. IEX does not guarantee such information nor shall be liable for any loss due either to its negligence or to any cause, absent its fraud or willful misconduct. 9. IEX does not make any guarantees, representations or warranties as to, and shall have no liability for, the timeliness, truthfulness, sequence, quality, completeness, accuracy, validity or freedom from interruption of any information or data on the IEX Website. Certain aggregate volume data may not reflect data from all Members. The content on the IEX Website is not to be construed as a recommendation or offer to buy or sell or the solicitation of an offer to buy or sell any security, financial product or instrument; or to participate in any particular trading strategy. 10. By viewing or using this data or information in any manner, you understand and acknowledge that such information does not reflect trading activity on markets other than IEX, as applicable, and is intended to provide you with a reference point only, rather than as a basis for making trading decisions. 11. With respect to the TOPS data: TOPS provides near-real-time displayed and nondisplayed aggregated traded volume on IEX. TOPS provides IEX's aggregated best quoted bid and offer position in real-time for all securities on IEX’s displayed limit order book. Non-displayed orders and the non-displayed portion of reserve orders are not represented in TOPS. The reported data represents single-counted, aggregate volume of shares traded on the Investors Exchange and does not include volume of shares routed to and executed on away trading centers. Data represents all volume traded on IEX during System Hours (8:00 a.m. to 5:00 p.m. ET), or as otherwise indicated. Market data is captured by the IEX system from approximately 7:45 a.m. to 5:15 p.m. ET. 12. With respect to Market data: Market provides near-real-time traded volume on the markets listed. The TRF (Trade Reporting Facility) data comprises volume executed on venues other than exchanges. Tape A is NYSE. Tape B is Regional. Tape C is Nasdaq. The reported data is based on UTDF and CTS consolidated data feeds. Market data is captured by the IEX system from approximately 7:45 a.m. to 5:15 p.m. ET. 13. With respect to Stocks data: Some financial market data powered by Quotemedia.com. All rights reserved. Please review and confirm you are in compliance with their Terms of Use. 14. If you display IEX’s calculated CTA Consolidated Volume and display that alongside last sale prices or bid-asked quotes that are not consolidated prices or quotes under the CTA Plan or the CQ Plan, then you must incorporate into your display the following statement: “Realtime quote and/or trade prices are not sourced from all markets.” You must also ensure that any person to whom you distribute these figures also conspicuously places such a statement in any such display that it provides. Please read the CTA Consolidated Volume Policy for details.

Twilio's (our messaging/calling service) Message Policy and Acceptable Use Policy

Twilio's Messaging Policy Twilio's AUP

Stock Alarm complies with both of the linked policies above but we have included a snippet below of the most material factors.

This Messaging Policy applies to SMS, MMS, Chat, and WhatsApp messaging channels. We all expect that the messages we want to receive will reach us, unhindered by filtering or other blockers. An important step Twilio and our customers can take to make that expectation reality is to prevent and eliminate unwanted messages. Towards that end, we strive to work with our customers so that messages are sent with the consent of the message recipient, and that those messages comply with applicable laws, communications industry guidelines or standards, and measures of fairness and decency. Twilio treats all messaging transmitted via Twilio’s platform - regardless of use case or phone number type (e.g., long code, short code, or toll-free) - as Application-to-Person (A2P) messaging. All A2P messages originating from Twilio are subject to this Messaging Policy, which covers rules and /or prohibitions regarding:

- Consent ( “opt-in”);
- Revocation of Consent (“opt-out”);
- Sender Identification;
- Messaging Usage;
- Filtering Evasion; and
- Enforcement.

This policy applies to all customers who use Twilio’s messaging channels. If you provide your own end users or clients with the ability to send messages through Twilio, for example as an ISV (Independent Software Vendor), you are responsible for the messaging activity of these users. You must ensure that any messaging activity generated by your users is in compliance with Twilio policies.

Twilio's (our messaging/calling service's) Message Policy and Acceptable Use Policy

What Is Proper Consent?

Consent can't be bought, sold, or exchanged. For example, you can't obtain the consent of message recipients by purchasing a phone list from another party. Aside from two exceptions noted later in this section, you need to meet each of the consent requirements listed below. If you are a software or platform provider using Twilio’s platform for messaging within your application or service, you must require your customers to adhere to these same requirements when dealing with their users and customers.

Consent Requirements

Prior to sending the first message, you must obtain agreement from the message recipient to communicate with them - this is referred to as "consent", you must make clear to the individual they are agreeing to receive messages of the type you're going to send. You need to keep a record of the consent, such as a copy of the document or form that the message recipient signed, or a timestamp of when the customer completed a sign-up flow. If you do not send an initial message to that individual within a reasonable period after receiving consent (or as set forth by local regulations or best practices), then you will need to reconfirm consent in the first message you send to that recipient. The consent applies only to you, and to the specific use or campaign that the recipient has consented to. You can't treat it as blanket consent allowing you to send messages from other brands or companies you may have, or additional messages about other uses or campaigns. Proof of opt-in consent should be retained as set forth by local regulation or best practices after the end user opts out of receiving messages. Alternative Consent Requirements While consent is always required and the consent requirements noted above are generally the safest path, there are two scenarios where consent can be received differently. Contact initiated by an individual If an individual sends a message to you, you are free to respond in an exchange with that individual. For example, if an individual texts your phone number asking for your hours of operation, you can respond directly to that individual, relaying your open hours. In such a case, the individual’s inbound message to you constitutes both consent and proof of consent. Remember that the consent is limited only to that particular conversation. Unless you obtain additional consent, don't send messages that are outside that conversation. Informational content to an individual based a prior relationship You may send a message to an individual where you have a prior relationship, provided that individual provided their phone number to you, and has taken some action to trigger the potential communication, and has not expressed a preference to not receive messages from you. Actions can include a button press, alert setup, appointments, or order placements. Examples of acceptable messages in these scenarios include appointment reminders, receipts, one-time passwords, order/shipping/reservation confirmations, drivers coordinating pick up locations with riders, and repair persons confirming service call times. The message can't attempt to promote a product, convince someone to buy something, or advocate for a social cause. Periodic Messages and Ongoing Consent If you intend to send messages to a recipient on an ongoing basis, you should confirm the recipient’s consent by offering them a clear reminder of how to unsubscribe from those messages using standard opt-out language (defined below). You must also respect the message recipient’s preferences in terms of frequency of contact. You also need to proactively ask individuals to reconfirm their consent as set forth by local regulations and best practices. Identifying Yourself as the Sender Every message you send must clearly identify you (the party that obtained the opt-in from the recipient) as the sender, except in follow-up messages of an ongoing conversation. Opt-out The initial message that you send to an individual needs to include the following language: “Reply STOP to unsubscribe,” or the equivalent using another standard opt-out keyword, such as STOPALL, UNSUBSCRIBE, CANCEL, END, and QUIT. Individuals must have the ability to revoke consent at any time by replying with a standard opt-out keyword. When an individual opts out, you may deliver one final message to confirm that the opt-out has been processed, but any subsequent messages are not allowed. An individual must once again provide consent before you can send any additional messages. Usage Limitations Content We Do Not Allow The key to ensuring that messaging remains a great channel for communication and innovation is preventing abusive use of messaging platforms. That means we never allow some types of content on our platform, even if our customers get consent from recipients for that content. Twilio’s Acceptable Use Policy prohibits sending any content that is illegal, harmful, unwanted, inappropriate, objectionable, confirmed to be criminal misinformation, or otherwise poses a threat to the public, even if the content is permissible by law. Other prohibited uses include: Anything that is illegal in the jurisdiction where the message recipient lives. Examples include, but are not limited to: Cannabis. Messages related to cannabis are not allowed in the United States as federal laws prohibit its sale, even though some states have legalized it. Similarly, messages related to CBD are not permissible in the United States, as certain states prohibit its sale. Twilio defines a cannabis message as any message which relates to the marketing or sale of a cannabis product, regardless of whether or not those messages explicitly contain cannabis terms, images, or links to cannabis websites. Prescription Medication. Offers for prescription medication that cannot legally be sold over-the-counter are prohibited in the United States. Hate speech, harassment, exploitative, abusive, or any communications that originate from a hate group. Fraudulent messages. Malicious content, such as malware or viruses. Any content that is designed to intentionally evade filters.

Fair & Acceptable Use Policy

An Acceptable Use Policy (AUP), sometimes called a Fair Use Policy (FUP), is a set of rules that define what may or may not be done with the assets and data within a website, network, or service. By requiring an explicit agreement, AUPs ensure that end users are explicitly aware of their rights and responsibilities with regards to usage.

In order to sustain Stock Alarm's services and ensure reliable notifications for all users, we set an AUP and FUP around our free and paid/membership tiers to limit usage according to our fair/acceptable usage guidelines. These guidelines ensure that we do not send more notifications than a single individual can reasonably consume. If you exceed this threshold, even as a paid member, then we will send a notice via text (SMS — data rates may apply) informing you that fair use limits have been reached. If the account continues to exceed thresholds then we reserve the right to suspend certain notifications and/or a subset of our services and/or terminate your account. If you are a paying member, please reach out to see if you are eligible for a refund upon reaching these usage limits. If you require more notifications per day, please reach out to support@stockalarm.io to inquire about an enterprise license.