Terms of Service

1. About These Terms

The short version. These terms are the agreement between you and Tickwell. Using Tickwell means you accept them. Please read the sections on advice, payments, liability and disputes closely.

These Terms of Service (the "Terms") govern your access to and use of the Tickwell website, web app, emails, notifications and any related services (together, the "Service"), offered by Tickwell ("Tickwell," "we," "us" or "our"). "You" means the person using the Service.

By creating an account, starting a trial, buying a plan or otherwise using the Service, you agree to these Terms, our Privacy Policy and our Disclosures, which are part of these Terms. If you do not agree, do not use the Service.

Section 19 contains an arbitration agreement and a class action waiver. Unless you opt out as described there, disputes between you and Tickwell will be resolved by individual binding arbitration, not in court or as part of a class.

2. What Tickwell Is, and What It Is Not

The short version. Tickwell is a research and information tool. It is not a broker, not an investment adviser and not a bank. It never places trades or moves money.

Tickwell provides market information and research tools, including prices, charts, company data, options activity, large off-exchange trades, earnings calendars, public filings by company insiders and members of Congress, rules-based signals and scores, an AI research assistant, and read-only views of brokerage accounts you choose to connect.

Tickwell is not a registered investment adviser, broker-dealer, futures commission merchant, commodity trading adviser, bank or financial planner. Nothing in the Service is personalized investment, legal, tax or accounting advice, and nothing in the Service is an offer, solicitation or recommendation to buy, sell or hold any security, option or other financial product. Our content is general and impersonal: every member sees the same signals, scores and research, which are not tailored to your finances, goals or risk tolerance.

Tickwell does not hold your money or securities, does not execute trades, and cannot place, change or cancel orders in any connected account. All investment decisions are yours alone. See our Disclosures for the risks of investing and the limits of our information.

3. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for individuals using it for their own personal, non-commercial research. You may not use the Service if you are barred from doing so under applicable law, or if we have previously terminated your account.

The Service is operated from the United States. If you use it from elsewhere, you are responsible for complying with your local laws.

4. Your Account and Security

The short version. Use your real email, keep your sign-in private, and turn on two-step sign-in. You are responsible for activity in your account.

You must give accurate information when you create an account and keep it up to date. You may hold only one personal account, and you may not share it, sell it or let anyone else use it.

You are responsible for keeping your password, sign-in codes and recovery options confidential, and for all activity under your account. We strongly recommend turning on two-step sign-in. Tell us right away at security@tickwell.com if you believe your account has been accessed without your permission.

We may require additional verification, lock an account, or end sessions if we see signs of unauthorized access or misuse.

5. Plans, Trials, Billing and Renewal

The short version. Paid plans renew automatically until you cancel. You can cancel any time in Settings and keep access until the end of the period you paid for. We tell you before prices change.

Subscriptions

Some features require a paid plan. The price, billing period and included features are shown before you buy. Your plan renews automatically at the end of each billing period at the then-current price, and your payment method will be charged, until you cancel.

Free Trials and Invites

We may offer free trials or free time, for example through a friend's invite link. Unless the offer says otherwise, when a trial ends your plan starts and your payment method is charged unless you cancel before the trial ends. We remind you before a trial that requires payment details converts to a paid plan, where the law requires it. Trials are limited to one per person, and we may withdraw an offer that is being misused.

Payments

Payments are processed by our payment processor, Stripe. We do not store your full card number. You authorize us, through our processor, to charge your payment method for all fees and applicable taxes. If a payment fails, we may retry it, and we may pause or downgrade your access until it is resolved.

Cancellation and Refunds

You can cancel at any time in Settings under Plan and Billing. Cancellation stops the next renewal; you keep paid access until the end of the current billing period. Except where required by law, fees are non-refundable and we do not give refunds or credits for partial periods, unused time or features you did not use. If you believe you were charged in error, contact billing@tickwell.com within 60 days and we will review it in good faith.

Price Changes

We may change plan prices. We will tell you by email at least 30 days before a new price applies to your plan, and the change takes effect at your next renewal after that notice. If you do not agree, you can cancel before the change takes effect.

Taxes

Prices do not include taxes unless stated. You are responsible for any sales, use, value-added or similar taxes that apply, which we will collect where required.

6. Invite Program

Members may share a personal invite link. A friend who signs up through it may receive free time, and the member who invited them may receive a reward, as described on the Invite page at the time. Invite links use random codes and never reveal who shared them.

Rewards are for genuine personal invitations only. You may not invite yourself, create multiple accounts, post your link on coupon or deal sites, use paid advertising, spam, or mislead anyone to earn rewards. Rewards have no cash value, cannot be transferred, and may be adjusted or withheld if we reasonably believe the program is being misused. We may change or end the program at any time; rewards already earned in good standing will be honored.

7. Connecting Your Brokerage Accounts

The short version. Connections are read-only. Tickwell can see your positions and history so it can show them to you. It can never trade, move money or change anything in your broker account.

You may choose to connect one or more brokerage accounts. When you do, you authorize Tickwell, directly or through a connection provider, to access and retrieve information from those accounts on your behalf, including balances, positions, orders, transactions and account details, and to display and analyze that information for you.

Connections are read-only. Tickwell is designed so that it cannot place, change or cancel orders, transfer money or securities, or change settings in your brokerage account. Where your broker supports it, you sign in on the broker's own page and we receive an access token, or you create a read-only key and give it to us. We never ask for or store your brokerage password.

You represent that you are an authorized holder of any account you connect. Your relationship with your broker is governed by your agreement with them; Tickwell is not affiliated with, endorsed by or responsible for any broker, and broker names and logos are trademarks of their owners. Brokers may change or limit access at any time, which may interrupt a connection. You can disconnect any account at any time in Settings, and you can also revoke access from your broker's own settings.

Account data we display may be delayed, incomplete or different from your broker's records. Your broker's statements and confirmations are the official record of your account.

8. Market Data and Third-Party Content

The short version. Our market data comes from licensed providers and public sources. It is for your personal use only, and it can be delayed or wrong.

The Service includes market data, news, company information, public filings and other content supplied by third-party providers, exchanges and public sources ("Third-Party Content"). Third-Party Content is provided for your personal, non-commercial use only. You may not redistribute, resell, publish, display to others, store in bulk or use it to build a competing product or data set.

Some exchanges and data providers require that market data be used only by "non-professional" subscribers. By using the Service you confirm that you are using it for personal investing and not on behalf of a firm, as a registered securities professional, or in a way that would make you a professional subscriber under exchange rules. If that changes, tell us and stop using real-time data until we confirm what your use requires.

Third-Party Content may be delayed, inaccurate, incomplete or interrupted, and providers may change or withdraw it. Neither Tickwell nor its providers guarantee its accuracy, timeliness or completeness. Data providers and exchanges are third-party beneficiaries of this section and may enforce it.

9. Ask Tick, the AI Assistant

The short version. Ask Tick can be wrong. Check anything important before relying on it. Don't paste in passwords or anything you wouldn't want stored.

Ask Tick is an AI research assistant powered by third-party AI models. It can answer questions, explain data, build dashboards and help you use the Service. AI output is generated automatically, can be inaccurate, incomplete or out of date, and may sound confident when it is wrong. Ask Tick does not give personalized investment advice and is subject to the same limits as the rest of the Service.

Do not enter passwords, full account numbers, government ID numbers or other sensitive information into Ask Tick. We process your conversations as described in our Privacy Policy, including sending them to our AI provider to generate answers. We do not allow our AI provider to use your conversations to train its models. You are responsible for how you use anything Ask Tick produces.

10. Alerts, Emails, Push and Text Messages

You choose which alerts and messages you receive in Settings. Alerts are a convenience: they may be delayed, missed or sent in error because of data delays, network problems, device settings or provider outages, and you should not rely on them as your only way to monitor the market or your accounts.

If you give us a mobile number and turn on text alerts, you agree to receive automated text messages from Tickwell at that number. Message frequency varies with your settings. Message and data rates may apply. Consent is not a condition of purchase. Reply STOP to stop texts and HELP for help, or change your settings at any time. Carriers are not liable for delayed or undelivered messages.

We may send service messages about your account, security, billing and changes to these Terms even if you turn off marketing messages.

11. Acceptable Use

You agree not to:

• Copy, scrape, crawl, download in bulk, mirror or systematically extract data or content from the Service, by automated means or otherwise, except through features we provide for that purpose.
• Resell, sublicense, redistribute or publicly display the Service or its data, or use it to provide a service to others.
• Share your account, or access the Service through someone else's account.
• Reverse engineer, decompile or try to discover source code, models or non-public interfaces, except where the law allows despite this restriction.
• Probe, scan or test the Service for vulnerabilities without our written permission, or bypass any security, rate limit or access control.
• Interfere with or overload the Service, or introduce malware.
• Use the Service to manipulate markets, spread false or misleading information about securities, engage in fraud, or break any law or regulation.
• Post content that is unlawful, defamatory, harassing, hateful, infringing, or that reveals other people's private information.
• Impersonate anyone, or misrepresent your affiliation with anyone.

If you find a security issue, please report it to security@tickwell.com. We welcome good-faith reports and will not pursue legal action against researchers who report responsibly, do not access other people's data and give us reasonable time to fix the issue.

12. Community Features and Your Content

The short version. If you share trades or post in community features, other members can see what you share. You keep ownership of your content.

Some features let you share content with other members, such as community calls, comments, and trades from a connected broker that you choose to share under a handle ("Your Content"). Sharing is always off until you turn it on. When you share trades, you choose whether others see percentages only or dollar amounts as well, and you can stop sharing at any time.

You keep ownership of Your Content. You grant Tickwell a worldwide, non-exclusive, royalty-free license to host, store, reproduce, display and distribute Your Content within the Service, and to make technical changes needed to display it, for as long as you share it and for a reasonable period afterward for backups. You are responsible for Your Content and confirm you have the right to share it.

Content from other members is their own opinion, not Tickwell's. Members may hold positions in the securities they discuss and may change their positions at any time without notice. Do not treat any member's content as advice. We may remove content or limit features for anyone who breaks these Terms, but we do not review all content and are not responsible for it.

13. Our Intellectual Property

The Service, including its software, design, text, graphics, scores, signals, models, compilations and trademarks, is owned by Tickwell or its licensors and protected by intellectual property laws. Subject to these Terms and your payment of applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own personal research. All rights not expressly granted are reserved.

If you send us ideas or feedback, you allow us to use them without restriction or payment to you.

If you believe content on the Service infringes your copyright, send a notice to legal@tickwell.com with the information required by the Digital Millennium Copyright Act, and we will respond as the law requires.

14. Third-Party Services and Links

The Service works with or links to services we do not control, including brokers, payment processors, data providers, app stores and websites. Your use of them is governed by their own terms and privacy policies, and we are not responsible for them.

15. Disclaimers

The short version. We work hard to make Tickwell accurate and reliable, but we cannot promise it will always be right or always be available.

The Service and all content are provided "as is" and "as available," without warranties of any kind, whether express, implied or statutory, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy and uninterrupted or error-free operation. We do not warrant that data, signals, scores, alerts or AI answers are accurate, complete, timely or suitable for any purpose, or that the Service will be secure or free of errors or harmful components.

You use the Service at your own risk. Investing involves risk, including the loss of principal. You are solely responsible for your investment decisions and their results. Some jurisdictions do not allow certain disclaimers, so some of the above may not apply to you.

16. Limitation of Liability

To the fullest extent permitted by law, Tickwell and its owners, officers, employees, agents, licensors and providers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any trading or investment losses, lost profits, lost data, or loss of goodwill, arising out of or related to the Service or these Terms, even if we were told such damages were possible.

To the fullest extent permitted by law, our total liability for all claims arising out of or related to the Service or these Terms will not exceed the greater of (a) the amount you paid Tickwell in the 12 months before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).

These limits apply to every theory of liability, including contract, tort, negligence and statute, and even if a remedy fails of its essential purpose. They do not limit liability that cannot be limited by law, such as liability for fraud or for gross negligence or willful misconduct where the law does not allow it to be limited.

17. Indemnity

To the extent permitted by law, you agree to defend, indemnify and hold harmless Tickwell and its owners, officers, employees and agents from any claims, losses, liabilities and expenses (including reasonable attorneys' fees) arising from your misuse of the Service, Your Content, or your violation of these Terms or of anyone else's rights.

18. Suspension, Termination and Changes

You may stop using the Service and delete your account at any time in Settings. We may suspend or end your access, with notice where practical, if you break these Terms, if your use creates risk or legal exposure for us or others, if required by law or a provider, or if we discontinue the Service. If we end a paid plan for reasons other than your breach, we will refund the unused part of your prepaid fees.

We are constantly improving the Service and may add, change or remove features. If we discontinue the Service entirely, we will give you at least 30 days' notice and a refund of any prepaid fees for the period after it ends.

We may update these Terms. If a change is material, we will email you and post a notice in the Service at least 30 days before it takes effect, unless the change is required sooner by law or concerns a new feature. Continuing to use the Service after a change takes effect means you accept it. If you do not agree, you can cancel before it takes effect. The date at the top shows when these Terms last changed.

Sections that by their nature should survive termination, including those on fees owed, intellectual property, disclaimers, limitation of liability, indemnity and dispute resolution, survive.

19. Dispute Resolution and Arbitration

The short version. If there's a problem, email us first; most issues get solved that way. If we can't solve it, disputes go to individual arbitration instead of court, unless you opt out within 30 days.

Talk to Us First

Before starting any formal proceeding, you agree to email legal@tickwell.com with a description of the dispute and the relief you seek, and to try in good faith to resolve it with us for at least 60 days.

Binding Individual Arbitration

If we cannot resolve a dispute informally, you and Tickwell agree to resolve any dispute, claim or controversy arising out of or relating to the Service or these Terms through final and binding individual arbitration, except as described below. Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, by a single arbitrator, and may be held by video, phone or written submissions. For claims within the AAA's consumer fee schedule, Tickwell will pay the filing, administration and arbitrator fees other than the portion the rules assign to you. The arbitrator may award the same individual relief a court could, and the Federal Arbitration Act governs this section.

Class Action Waiver

You and Tickwell agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated or representative proceeding. The arbitrator may not consolidate claims or preside over any form of representative proceeding. If this waiver is found unenforceable for a claim, that claim must be heard in court, not in arbitration.

Exceptions

Either party may bring an individual claim in small claims court if it qualifies. Either party may seek injunctive relief in court to stop infringement or misuse of intellectual property or unauthorized access to the Service.

Your Right to Opt Out

You may opt out of this arbitration agreement by emailing legal@tickwell.com from your account email within 30 days after you first accept these Terms, with the subject line "Arbitration Opt-Out" and your name. Opting out does not affect any other part of these Terms.

Time Limit

To the extent permitted by law, any claim must be brought within one year after it arises, or it is permanently barred.

20. Governing Law and Venue

These Terms are governed by the laws of the State of New York and applicable U.S. federal law, without regard to conflict-of-laws rules. Subject to the arbitration agreement, any claim not subject to arbitration will be brought exclusively in the state or federal courts located in New York County, New York, and you and Tickwell consent to their jurisdiction. If you live in a country or state whose consumer protection laws give you the right to bring claims where you live, nothing here takes that away.

21. General Terms

These Terms, together with the Privacy Policy and Disclosures, are the entire agreement between you and Tickwell about the Service. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets. We are not liable for delays or failures caused by events beyond our reasonable control. Headings are for convenience only. Notices to you may be sent to your account email or shown in the Service.

22. Contact

Questions about these Terms: legal@tickwell.com. Billing: billing@tickwell.com. Security: security@tickwell.com. Help with your account: the Help page or support@tickwell.com.