These Terms of Service ("Terms") govern your access to and use of the STOq Terminal platform ("Service"), operated by [ENTITY NAME], registered with the Dutch Chamber of Commerce (KVK) under number [KVK NUMBER], with its registered office at [ADDRESS], the Netherlands ("we", "us", "our").
By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
STOq Terminal is a financial risk analytics platform that provides portfolio risk analysis, factor models, Monte Carlo simulations, market monitoring, and related quantitative tools. The Service is provided as a software-as-a-service (SaaS) application accessible via web browser.
To use the Service, you must create an account by providing a valid email address and username. You are responsible for:
We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe are being used fraudulently.
The Service is offered under two subscription tiers:
All prices are inclusive of applicable VAT where required. We reserve the right to modify pricing with 30 days' advance notice to active subscribers.
New users are entitled to a 3-day free trial with full access to the Service. No credit card is required to start the trial. At the end of the trial period, you must subscribe to a paid plan to continue using the Service.
Payments are processed by Stripe, Inc., our third-party payment processor. By subscribing, you authorize Stripe to charge your selected payment method on a recurring basis according to your chosen billing cycle. You agree to Stripe's terms of service.
You may cancel your subscription at any time through the billing portal accessible within the Service. Upon cancellation:
Due to the digital nature of the Service, refunds are generally not provided for partial billing periods. If you believe you have been charged in error, please contact us within 14 days of the charge. We handle refund requests on a case-by-case basis in accordance with applicable consumer protection law, including the EU right of withdrawal where applicable.
You agree not to:
All content, features, and functionality of the Service, including but not limited to software, algorithms, models, text, graphics, logos, and user interface design, are the exclusive property of [ENTITY NAME] and are protected by Dutch and international intellectual property laws.
You retain ownership of any portfolio data you upload to the Service. By uploading data, you grant us a limited license to process that data solely for the purpose of providing the Service to you.
The Service is an analytical tool only and does not constitute financial advice, investment advice, trading advice, or any other form of professional advice. The outputs, analyses, projections, and risk metrics provided by STOq Terminal are for informational and educational purposes only. You should not make investment decisions based solely on the Service's output.
We strongly recommend that you consult a qualified financial advisor before making any investment decisions. Past performance and statistical models do not guarantee future results.
The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that:
To the maximum extent permitted by applicable law, [ENTITY NAME] shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
Our total aggregate liability for any claims arising from or related to the Service shall not exceed the total amount you paid to us in the twelve (12) months preceding the claim.
You agree to indemnify and hold harmless [ENTITY NAME], its officers, directors, and employees from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.
We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time. We will make reasonable efforts to notify active subscribers of material changes.
We may update these Terms from time to time. We will notify you of material changes by email or by posting a notice within the Service. Your continued use of the Service after such notice constitutes acceptance of the updated Terms.
These Terms are governed by and construed in accordance with the laws of the Netherlands, without regard to its conflict of law principles.
Any disputes arising from or relating to these Terms or the Service shall be submitted to the exclusive jurisdiction of the competent courts in the Netherlands.
If you are a consumer within the European Union, you may also be entitled to submit a complaint through the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.
If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
If you have any questions about these Terms, please contact us at:
[ENTITY NAME]
[ADDRESS]
KVK: [KVK NUMBER]
Email: legal@stoqterminal.com