Terms of Service

1. Acceptance and electronic agreement

You accept these Terms when you select an acceptance checkbox or button, create or use an account after the Terms are presented, purchase access, or otherwise continue using protected portions of the Service. Your electronic acceptance has the same effect as a handwritten signature to the extent permitted by law.

Stackfini records the version accepted and the acceptance date. When we publish materially revised Terms, you may be required to review and accept the new version before continuing to the Dashboard or purchasing access.

2. Eligibility and account security

The Service is intended for people who are at least 18 years old and legally able to enter a contract. Stackfini does not currently use a separate age-verification process, but by using the Service you represent that you satisfy this requirement.

You must provide accurate account information, protect your credentials, and promptly report suspected unauthorized access through the contact form. You are responsible for activity through your account unless caused by Stackfini’s breach of these Terms. Accounts may not be sold, transferred, or shared to avoid access limits.

3. What Stackfini provides

Stackfini provides an informational research workspace focused on stocks, options, and cash-secured put candidates. Features may include scanner results, rankings, filters, company and contract information, market news, saved views, notifications, profiles, and community discussions.

Stackfini is not a broker-dealer, investment adviser, exchange, custodian, tax adviser, law firm, or trade-execution service. We do not hold funds or securities, connect to brokerage accounts, execute orders, monitor positions, or determine whether a trade is suitable for you.

4. No financial advice; options risks

Everything presented through the Service is for informational and educational purposes only. Nothing is personalized financial, investment, trading, tax, accounting, or legal advice, or a recommendation, solicitation, guarantee, or offer to buy or sell any security or option.

Options involve substantial risk and are not appropriate for every investor. A cash-secured put can result in assignment, loss of principal, opportunity cost, tax consequences, and an obligation to purchase shares above their market value. “Lower,” “moderate,” or similar risk labels are relative model descriptions—not statements that a trade is safe. Returns, probabilities, rankings, sentiment, collateral estimates, downside protection, and profit-target estimates may be wrong and do not predict future outcomes.

You are solely responsible for understanding a strategy, determining suitability, consulting qualified professionals when appropriate, and verifying every price, quote, symbol, expiration, strike, premium, contract multiplier, corporate event, and order with your broker before acting.

5. Market data, news, models, and third parties

Market, company, analyst, news, and options information may come from third parties and may be delayed, incomplete, inaccurate, duplicated, unavailable, or changed without notice. Scanner and news refresh schedules are targets, not guarantees. Displayed information is not live trading data.

Stackfini may calculate or summarize third-party information using proprietary rules. Data-provider errors, symbol changes, illiquid markets, model assumptions, stale information, or software defects can affect results. A link, article, rating, or analyst view does not constitute Stackfini’s endorsement.

The Service depends on third parties including Stripe, cloud hosts, identity providers, email providers, market-data providers, news providers, and internet infrastructure. Their availability, security, and terms may affect the Service. External links are used at your own risk.

6. Community participation and user content

Community posts, comments, replies, likes, profiles, and option discussions reflect users’ views, not Stackfini’s. They may be inaccurate, promotional, conflicted, or misleading. Never treat community content as professional advice or proof of a trade’s quality.

You retain rights you hold in content you submit. You grant Stackfini a worldwide, non-exclusive, royalty-free license to host, copy, format, display, moderate, archive, and distribute that content as needed to operate, secure, and improve the Service. You represent that you have the right to submit it.

We may remove, hide, archive, or restrict content or accounts. Automated report thresholds may temporarily hide content pending review. We do not promise to monitor every submission and are not responsible for user conduct.

7. Prohibited use

You may not use the Service to violate law or another person’s rights; manipulate markets; coordinate deceptive promotion; impersonate others; harass or threaten; publish unlawful, infringing, private, or malicious material; distribute spam, malware, or phishing; scrape or overload the Service; bypass access, rate, payment, or security controls; reverse engineer proprietary systems; share credentials; or use Stackfini content or outputs to build a competing service without written permission.

Do not submit brokerage credentials, payment-card numbers, government identifiers, passwords, authentication codes, or other information that the relevant feature does not request.

8. Complimentary access, passes, subscriptions, and billing

Complimentary access

We may offer complimentary access for a stated period. Complimentary access does not require a payment method and may be changed or discontinued prospectively. Unless we state otherwise, unused complimentary time has no cash value.

One-time passes

A 24-hour pass and a 7-day pass are one-time purchases and do not automatically renew. The duration and price shown at checkout control. If Stackfini states that a pass will be added after existing eligible access, its activation and expiration will follow the schedule displayed in your account. A pass grants only the features described for that offer and does not create a subscription.

Monthly subscription

The monthly plan currently displays at $29.99 per month and automatically renews each month until cancelled. You authorize Stripe and Stackfini to charge the payment method provided at the start of each billing period, including applicable taxes. The price presented at Stripe Checkout controls if another page differs.

You may manage or cancel through the Stripe-hosted billing portal. Unless checkout or mandatory law says otherwise, cancellation stops future renewal and access continues through the paid billing period shown in your account.

No refunds

Except where required by law or expressly stated by Stackfini in writing, all charges are final and non-refundable. We do not provide prorated refunds, credits, or extensions for unused time, partial periods, market closures, unavailable candidates, data interruptions, account inactivity, early cancellation, or dissatisfaction with scanner results.

We may change prices or plan features prospectively. Material recurring-price changes will apply no earlier than a future renewal after any notice required by law. Failed, reversed, disputed, or fraudulent payments may result in suspended or revoked access.

9. Privacy, records, and communications

We process account, profile, acceptance, usage, community, notification, and payment-status information to operate, personalize, secure, support, and improve the Service. Stripe processes payment details; Stackfini does not store full payment-card information.

We may send account, security, billing, legal, and service communications. Optional email categories can be managed through available preference controls. Acceptance of these Terms does not by itself authorize promotional text messages or calls.

Acceptance records may include your user ID, terms version, timestamp, source, IP address, user-agent information, and document hash for security and legal recordkeeping.

10. Stackfini ownership

Stackfini LLC and its licensors own the Service, software, scanner logic, scoring and ranking methods, interfaces, design, branding, documentation, compilations, and related intellectual property, excluding user content and third-party materials. The Service grants you a limited, revocable, non-transferable right to use it for personal, lawful purposes during eligible access.

Providing suggestions or feedback gives Stackfini permission to use them without restriction or compensation.

11. Changes, availability, suspension, and termination

The Service may change and may experience outages, delays, errors, maintenance, provider restrictions, capacity limits, or lost functionality. We do not guarantee continuous operation, permanent storage, a fixed scan schedule, a minimum number of ideas, or continued availability of any feature or provider.

We may suspend or terminate access, remove content, or impose limits when we reasonably believe there is misuse, nonpayment, fraud, security or legal risk, harm to others, prolonged inactivity, or a violation of these Terms. You may stop using the Service at any time. Provisions concerning payment obligations, ownership, disclaimers, liability, disputes, and other terms that logically survive will remain effective.

12. Disclaimers of warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND ALL DATA, CONTENT, SCANNER RESULTS, NEWS, COMMUNITY MATERIAL, AND OTHER OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” STACKFINI DISCLAIMS ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, SECURITY, AVAILABILITY, AND WARRANTIES ARISING FROM COURSE OF DEALING.

STACKFINI DOES NOT WARRANT THAT INFORMATION IS CURRENT, COMPLETE, ERROR-FREE, PROFITABLE, SUITABLE, OR AVAILABLE; THAT A MODEL OR FILTER WILL IDENTIFY AN APPROPRIATE TRADE; OR THAT USE OF THE SERVICE WILL PREVENT LOSS.

13. Limitation of liability and indemnification

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STACKFINI LLC AND ITS MEMBERS, PERSONNEL, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES; TRADING OR INVESTMENT LOSSES; LOST PROFITS, DATA, OR OPPORTUNITIES; BUSINESS INTERRUPTION; OR DAMAGES ARISING FROM RELIANCE ON DATA, MODELS, NEWS, COMMUNITY CONTENT, OR THIRD-PARTY SERVICES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THEIR TOTAL AGGREGATE LIABILITY FOR CLAIMS RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID STACKFINI DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR US $100. LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT LAWFULLY BE LIMITED.

You agree to defend and indemnify Stackfini LLC and its personnel from third-party claims, losses, and reasonable costs arising from your unlawful content, market manipulation, infringement, fraud, malicious conduct, or material violation of these Terms, to the extent permitted by law.

14. Texas law and general terms

These Terms are governed by the laws of the State of Texas and applicable United States federal law, without regard to conflict-of-law principles. Before filing a claim, each party agrees to provide written notice through the contact form and attempt in good faith to resolve the dispute for 30 days.

These Terms, checkout disclosures, and any applicable supplemental written terms are the entire agreement concerning the Service. If a provision is unenforceable, the remainder remains effective. Failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent. We may assign them in connection with a reorganization, financing, merger, acquisition, or sale.

We may update these Terms prospectively. The updated version will state its effective date. When required by Stackfini or law, continued protected access will require explicit acceptance of the updated version. If you do not agree, stop using protected features and cancel any recurring subscription before its next renewal.

15. Contact and legal notices

Questions, complaints, privacy requests, misuse reports, and legal notices should be sent to Stackfini LLC using the Stackfini contact form. Selecting that link takes you directly to the form. Submission through the contact form does not constitute formal service of process unless Stackfini LLC expressly agrees in writing.