Terms of Service

Last updated: 2025-01-01

1. About Stockwise

Stockwise is a SaaS for stock research providing real‑time data aggregation, structured analysis and export. Please read these terms carefully before use.

Operator & Legal Name. Stockwise is owned and operated by the individual developer Guo Kangxin (legal name in Chinese: 郭康欣). Business type: Individual / Sole Trader (non‑corporate entity). References to “we/us/our” or “Stockwise” in these Terms refer to this operator.

2. Account & Eligibility

You must be at least 18 and have legal capacity. You are responsible for your account and keeping credentials confidential.

3. Subscription & Billing

Paddle acts as our Merchant of Record and processes checkout, taxes, invoices and receipts. By purchasing you agree to Paddle checkout terms and tax handling.

3.1 Pricing

Prices are as shown at checkout (tax inclusive/exclusive as calculated by Paddle). We may adjust prices and will notify prior to renewal by email.

3.2 Recurring Payments

Subscriptions auto‑renew until cancelled. After cancellation you retain access until the end of the current billing period.

3.3 Taxes & Invoices

Paddle calculates and collects VAT/sales tax based on your location and issues compliant receipts/invoices.

4. Cancellation & Refunds

You can cancel any time via the receipt management link. We offer a 14‑day refund guarantee: if unsatisfied, email gkxyuwen@gmail.com. Abuse or malicious use is excluded. Approved refunds are processed by Paddle back to the original method.

5. Acceptable Use

No unlawful activity or infringement. Do not scrape, redistribute, or republish copyrighted/paid data.

6. Data & Privacy

We process personal data under our Privacy Policy; third parties (incl. Paddle) may process necessary information for checkout and fraud prevention.

7. Service Availability

We strive for high availability but are not liable for outages due to third‑party sources, networks, or force majeure. Keep backups for critical work.

8. Disclaimers

Nothing here constitutes investment advice. Investing involves risks. We are not liable for direct or indirect loss resulting from reliance on analysis.

9. Contact

For terms, payment and refund questions: gkxyuwen@gmail.com