1. Acceptance of these Terms
These Terms of Use (“Terms”) form a binding agreement between you and Stockstead, a service operated by an individual sole proprietor based in New York, New York (LLC formation in progress) (“Stockstead,” “we,” “us”) governing your use of stockstead.com and related subdomains, pages, apps, features, and content (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy and Disclaimers. If you do not agree, do not use the Service.
2. Eligibility
You must be at least 18 years old and a resident of the United States to use the Service. By using the Service, you represent and warrant that you meet these requirements and that you have the legal capacity to enter into these Terms.
3. The Service is informational only — not advice
Stockstead is a modeling and educational tool. It is not financial, investment, tax, legal, accounting, or real-estate advice, and no fiduciary, agency, or advisory relationship is created by your use of it. See our Disclaimers for a full description of the limits of what this Service is and is not.
4. Accounts
- You are responsible for maintaining the confidentiality of your login credentials.
- You are responsible for all activity under your account.
- You must provide accurate information and keep it up to date.
- You must notify us promptly of any unauthorized use of your account.
- We may suspend or terminate your account at any time, with or without notice, if we reasonably believe you have violated these Terms.
5. License to use the Service
Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your own personal, non-commercial use.
6. Acceptable use
You agree not to:
- Reverse engineer, decompile, or attempt to extract the source code of the Service;
- Scrape, crawl, or mass-download content in a manner that disrupts the Service or violates reasonable technical restrictions;
- Use automated means (bots, scripts) to access the Service other than well-behaved search-engine crawlers;
- Interfere with or disrupt the integrity, security, or performance of the Service;
- Use the Service to build or train a competing product, including a competing financial calculator or model;
- Upload or submit content that is unlawful, infringing, defamatory, harassing, or that contains malware;
- Attempt to gain unauthorized access to any account, system, or network;
- Circumvent, disable, or otherwise interfere with any security-related features of the Service;
- Use the Service in violation of any applicable law, regulation, or third-party right;
- Misrepresent the output of the Service as personalized advice from us.
7. User content
If you submit any content to the Service (for example, feedback, support messages, or saved scenarios), you grant us a worldwide, non-exclusive, royalty-free, sublicensable license to use, reproduce, modify, and display that content solely for the purpose of operating and improving the Service. You represent that you own or have the right to submit the content and that it does not violate any third-party rights or applicable law.
8. Intellectual property
The Service, including the site, code, design, copy, logos, wordmark, glyph, brand, graphics, and calculator methodology, is owned by Stockstead and/or its licensors and is protected by intellectual-property laws. No rights are granted to you except the limited license in Section 5. Stockstead, the stepped-bar wordmark, and the stockstead word mark are unregistered trademarks of the operator.
9. Third-party services and links
The Service may link to or integrate with third-party services (brokers, lenders, analytics providers, ad networks, etc.). We do not control those third parties and are not responsible for their content, practices, or terms. Your use of a third party’s service is governed by that third party’s terms and privacy policy.
10. Advertising
Some pages of the Service may display advertising served by Google AdSense or similar networks. We do not endorse advertisers and are not responsible for the products or claims they make.
11. Disclaimer of warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. To the maximum extent permitted by law, we disclaim all warranties, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted or error-free operation. We do not warrant that calculator output, tax assumptions, interest rates, or any other information is current, complete, or suitable for your situation.
12. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL STOCKSTEAD, ITS OPERATOR, CONTRACTORS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR INVESTMENT VALUE, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Our aggregate liability to you for all claims arising out of or relating to the Service will not exceed the greater of (a) the amounts you paid us for the Service in the twelve (12) months preceding the claim, or (b) one hundred U.S. dollars (US $100). Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so the above may not apply in full to you.
13. Binding arbitration and class-action waiver
13.1 Agreement to arbitrate
You and Stockstead agree that any dispute, claim, or controversy arising out of or relating to the Service or these Terms (a “Dispute”) will be resolved by binding individual arbitration, not in court, except as provided in Section 13.4.
13.2 Arbitration procedure
The arbitration will be administered by JAMS under its Streamlined Arbitration Rules (or, if JAMS is unavailable, by the American Arbitration Association under its Consumer Arbitration Rules). The arbitration will be conducted in English, by a single arbitrator, in New York County, New York, or remotely at the parties’ agreement. Judgment on the award may be entered in any court of competent jurisdiction.
13.3 Class-action waiver
YOU AND STOCKSTEAD AGREE TO BRING CLAIMS ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding.
13.4 Carve-outs
Notwithstanding the above, either party may: (a) bring an individual action in small-claims court; and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property, confidentiality, or security.
13.5 30-day opt-out
You may opt out of this arbitration agreement by emailing hello@stockstead.com within 30 days of first accepting these Terms, with the subject line “Arbitration Opt-Out” and your account email. Opting out does not affect any other provision of these Terms.
13.6 Survival
This Section 13 survives termination of your account or these Terms.
14. Governing law and venue (for non-arbitration disputes)
These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules. For any Dispute not subject to arbitration under Section 13, you and Stockstead submit to the exclusive personal jurisdiction and venue of the state and federal courts located in New York County, New York.
15. Indemnification
You agree to indemnify, defend, and hold harmless Stockstead, its operator, contractors, and affiliates from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from (a) your use of the Service, (b) your breach of these Terms, (c) your violation of any law or third-party right, or (d) any content you submit to the Service.
16. Termination
You may stop using the Service at any time. We may suspend or terminate your access, with or without notice, for any reason, including a reasonable belief that you have violated these Terms. Upon termination, Sections 3, 6, 7, 8, 11, 12, 13, 14, 15, and 17 survive.
17. Changes to the Service or these Terms
We may change, suspend, or discontinue any part of the Service at any time. We may also update these Terms. If we make material changes, we will update the “Effective” date and, where reasonable, give notice via the Service or by email. Your continued use of the Service after the effective date of an update constitutes acceptance of the updated Terms.
18. Miscellaneous
- Entire agreement. These Terms, together with the Privacy Policy and Disclaimers, are the entire agreement between you and us regarding the Service.
- Severability. If any provision is held unenforceable, the rest remains in effect.
- No waiver. Our failure to enforce any right is not a waiver of that right.
- Assignment. You may not assign these Terms. We may assign them to a successor in connection with a merger, acquisition, or reorganization.
- Notices. We may give you notice via the Service or to the email on file. You may give us notice at hello@stockstead.com.
19. Contact
Operator: Stockstead, a service operated by an individual sole proprietor based in New York, New York (LLC formation in progress). Effective April 21, 2026. Questions: hello@stockstead.com.