Terms of Use

These Terms of Use, together with stockadvisor Privacy Policy, set forth the terms and conditions (“Terms”) that apply to your access and use of all stockadvisor  products and services (together, the “ stockadvisor  Services” or “Services”), that are made available through our websites including but not limited to stockadvisor.online, as well as through certain downloadable mobile applications (together, the “Site”). “ stockadvisor ” includes stockadvisor , Inc. and its officers, directors, employees, consultants, affiliates, subsidiaries and agents. The stockadvisor Services are intended for U.S. residents only and may include, but are not limited to, free credit score; access to third party rewards programs; platforms that enable users to locate and contact U.S. financial services, as well as professionals, such as third party experts, advocates, and advisors, who can provide various services; discussion forums, community forums, bulletin boards, review services, and forums in which users may ask questions of third party advisors; and platforms that enable users to apply to pre-qualify for certain credit card or loan offers.

By using or accessing the stockadvisor Services you agree to these Terms, as updated from time to time in accordance with Section 8 below. Because stockadvisor provides a wide range of services, we may ask you to review and accept supplemental terms that apply to your interaction with a specific product or service. These Terms state that any disputes between you and stockadvisor must be resolved in binding arbitration or small claims court and that you waive the right to participate in any class action. You may opt out of arbitration and the class action waiver by following the procedures in Section 12.G below.

To use some of the Services, you may need to provide information such as credit card or bank account numbers to third parties. For more information, see our Privacy Policy.

1. Registration and Account Security. To use the Services you must (i) be at least eighteen (18) years of age; (ii) have not previously been suspended or removed from the Services; and (iii) register for and use the Services in compliance with any and all applicable laws and regulations.

a) Account Registration. To access some features of the Services, you may be required to register for an account. When you register for an account, we may ask you to give us certain identifying information about yourself, including but not limited to your email address and other contact information, and to create a user name and password (“Registration Information”). When registering for and maintaining an account, you agree to provide true, accurate, current, and complete information about yourself. You also agree not to impersonate anyone, misrepresent any affiliation with anyone else, use false information, or otherwise conceal your identity from stockadvisor for any purpose.

b) You Are Responsible For Your Account. You are solely responsible for maintaining the confidentiality and security of your password and other Registration Information. For your protection and the protection of other users, we ask you not to share your Registration Information with anyone else. If you do share this information with anyone, we will consider their activities to have been authorized by you. If you have reason to believe that your account is no longer secure, you must immediately notify us at [email protected]

2. Specific Requirements for Certain Services. Your use of the Services constitutes your acknowledgment and acceptance of the following specific requirements and terms of use for certain of the stockadvisor Services.

a) Pre-qualified Loan Rates. Pre-qualified Loan Rates is a platform that allows users to submit a request to be matched with one of stockadvisor Loan Provider Partners to pre-qualify for certain loan Annual Percentage Rates (“APR”), and requires registration of a user account. In order to offer you a pre-qualified rate, the Loan Provider Partners need your consent to use and accept electronic signatures, records, and certain disclosures.

b) Free Credit Score. stockadvisor provides members with free access to their TransUnion VantageScore 3.0 credit score and report (“Credit Score”). In order to access your Credit Score you must provide stockadvisor the following credit pull authorization:

i. I hereby authorize stockadvisor and its wholly-owned subsidiaries to periodically obtain and use consumer reports about me in order to provide me with: (1) access to my free credit score, including periodic updates to my credit score; and (2) recommendations regarding financial products and services that may be of interest to me, including credit cards, personal loans, home loans and other financial products and services offered by stockadvisor partners. I also hereby authorize stockadvisor to share my credit score with its wholly-owned subsidiaries in order to allow its wholly-owned subsidiaries to provide me with such financial recommendations.

c) Link My Account. Link My Account is a feature that allows you to track all of your third-party financial accounts on stockadvisor website. By using the Link My Account Service you grant stockadvisor and its third party service provider, Yodlee, Inc., permission to access your third party financial accounts designated by you.

d) Money Transfer. stockadvisor Money Transfer (“Money Transfer”) is a service operated and powered by Dwolla, Inc. (“Dwolla”), which allows a user to transfer money between two or more of their own savings and/or checking accounts. In order to use Money Transfer, you must open a “Dwolla Platform” account provided by Dwolla and accept the Dwolla Terms of Service and Dwolla Privacy Policy. Any funds held in the Dwolla account are held by Dwolla’s financial institution partners as set out in the Dwolla Terms of Service. By registering for and using this service, you authorize stockadvisor to share your identity and bank account data with Dwolla for the purposes of opening and supporting your Dwolla account, and understand that you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through the stockadvisor Service, and Dwolla account notifications will be sent by stockadvisor , not Dwolla. Money Transfers may take up to five days to be completed and may not be reflected in your bank statement until that time.  You are solely responsible for ensuring there are sufficient funds in your bank account at the time of transfer and, if not, you accept responsibility for any non-sufficient fund or overdraft fees that your bank may charge as a result.  stockadvisor will provide customer support for your Dwolla account activity at [email protected]

e) Forums.  stockadvisor may offer features that allow users to share content, comments and opinions on financial topics with other users in the Community Forum, as well as other user discussion forum platforms (collectively, the “Forum”).

i) Forum content are the contributions of independent users not affiliated with stockadvisor , whose opinions are their own. stockadvisor does not guarantee the accuracy, integrity or quality of the opinions and advice posted on the Forum. Your use of any user content provided in the Forum is at your own risk.

ii) stockadvisor may, but is not required to, monitor Forum content and reserves the right to edit, correct or delete any Forum content for any reason at our sole discretion.

iii) You hereby grant to stockadvisor a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, translate, transmit and distribute any content, information or material you submit or post to the Forum, in any medium now in existence or hereafter developed, for any purpose, including commercial uses.

iv) We may terminate a user’s access or ability to use the Forum, immediately, without notice, and at our sole discretion, for user’s failure to comply with any terms or conditions of the Terms of Use.

f) stockadvisor Cash Back. This feature allows you to get cash back on eligible purchases when you register one or more credit cards with the stockadvisor Cash Back program, operated by our third party service provider Empyr, Inc. By registering a credit card with stockadvisor Cash Back.

3. Third Party Services.

a) Advice from Third Parties. Some of the Services involve advice from third parties and third party content. You agree that any such advice and content is provided for information, education, and entertainment purposes only, and does not constitute legal, financial, tax planning, medical, or other advice from stockadvisor . You agree that stockadvisor is not liable for any advice provided by third parties. You agree that you are responsible for your own financial research and financial decisions, and that stockadvisor is not responsible or liable for any decisions or actions you take or authorize third parties to take on your behalf based on information you receive as a user of stockadvisor .

b) Sharing Information With Third Parties. To use some of the Services, you may need to provide information such as credit card numbers, bank account numbers, and other sensitive financial information, to third parties. By using the Services, you agree that stockadvisor may collect, store, and transfer such information on your behalf, and at your sole request. More information is available in our Privacy Policy. You agree that your decision to make available any sensitive or confidential information is your sole responsibility and at your sole risk. stockadvisor has no control and makes no representations as to the use or disclosure of information provided to third parties. You agree that these third party services are not under stockadvisor control, and that stockadvisor is not responsible for any third party’s use of your information.

c) stockadvisor Does Not Endorse Third Parties. The Services may contain links to third party websites and services. stockadvisor provides such links as a convenience, and does not control or endorse these websites and services. You acknowledge and agree that stockadvisor has not reviewed the content, advertising, products, services, or other materials that appear on such third party websites or services, and is not responsible for the legality, accuracy, or appropriateness of any such content, and shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any such third party websites or services.

4. Prohibited Conduct. You agree not to:

a) Use the Services for any illegal purpose, or in violation of any local, state, national, or international law;

b) Violate or encourage others to violate the rights of third parties, including intellectual property rights;

c) Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate;

d) Interfere in any way with security-related features of the Services;

e) Interfere with the operation or any user’s enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code, making unsolicited offers or advertisements to other users, or attempting to collect personal information about users or third parties without their consent;

f) Access, monitor or copy any content or information of the Site using any robot, spider, scraper, or other automated means or any manual process for any purpose without stockadvisor express written permission;

g) Perform any fraudulent activity, including impersonating any person or entity, claiming false affiliations, accessing the accounts of other users without permission, or falsifying your identity or any information about you, including age or date of birth; or

h) Sell or otherwise transfer the access granted herein.

5. Intellectual Property and User Content. The stockadvisor Services are protected by applicable copyright and other intellectual property laws, and no materials from the Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without our express permission. All trademarks and service marks on the Services belong to stockadvisor , except third-party trademarks or service marks, which are the property of their respective owners. You represent and warrant that you own or otherwise have the right to use any content you post to the Services.