Last Updated: July 21, 2026
Important: This in-app modal is a summary. The full updated documents are available
here: Terms, Privacy, and Risk Disclaimer, and API Acceptable Use.
1. Acceptance of Terms
By accessing or using the StockUp platform ("StockUp", "we", "our"), you agree to be bound by these
Terms of Service. If you do not agree to these terms, please do not use our service.
2. NOT FINANCIAL ADVICE
StockUp is an educational and informational tool, not a registered broker, investment
advisor, or financial planner.
- None of the data, AI analyses, text, or charts provided on this platform constitute a
recommendation to buy, sell, or hold any security or financial product.
- You are solely responsible for your own investment decisions. We strongly advise consulting with
a licensed financial professional. StockUp is not liable for any financial losses
incurred while using our platform.
3. STOCKUP QUAN & AI RISK DISCLAIMER
StockUp Quan and AI Report features utilize Artificial Intelligence (AI) — specifically Google's
Gemini model — to summarize news, analyze stock data, and generate market overviews.
- AI is prone to errors, hallucinations, and outdated context. The AI does not
predict future market movements with any guarantee of accuracy.
- The verdicts, summaries, and chat responses generated are based on available data at the time of
the request. They are not human-verified financial recommendations.
- Quan's output must never be used as the sole basis for an investment decision.
- AI responses may reflect the AI model's training biases. StockUp does not endorse any specific
stock, sector, or investment strategy suggested by the AI.
- Deep Research mode uses live Google Search results to inform responses. StockUp is not
responsible for the accuracy or completeness of third-party content surfaced by the AI.
4. AI usage, metering, and fair use
When metered usage is enabled, Essentials includes up to 300,000 combined input, output, and provider-reported reasoning tokens per billing period. Pro includes up to 1,000,000 combined tokens per billing period. Included tokens reset with the next billing period and do not roll over unless the plan description says otherwise.
- Free plan users do not have access to AI Report or Quan features.
- Essentials members may make up to 2 Deep Research requests per 24-hour period.
- Pro members may make up to 4 Deep Research requests per 24-hour period.
- Additional metered usage may require an eligible payment method. The server-side usage record is authoritative.
- StockUp may throttle or suspend accounts that generate automated or abusive request volumes.
- StockUp is not liable for any service degradation caused by upstream AI provider outages or rate
limits imposed by Google.
5. Data Processing & Third-Party AI
When you use Quan or AI Report features, certain data is transmitted to Google's Gemini API servers
for processing.
- This data may include: the stock ticker you are analyzing, publicly available financial metrics,
recent news headlines, and the text of your chat messages.
- Do not submit personal financial information, account numbers, social security numbers,
or any sensitive personal data through Quan.
- Your data is processed according to Google's Privacy Policy. By using AI features,
you consent to this processing.
- StockUp may enable Gemini API logging for the project that powers Quan. Logs can include
prompts, responses, metadata, and previous-turn context. Authorized StockUp project
administrators may use those logs for debugging, security, and product quality. If selected
logs, datasets, or feedback are shared with Google, Google may process that shared data under
Google's Gemini API terms.
- StockUp does not permanently store the content of your Quan conversations. Chat history is
session-only and is cleared when you close the Quan panel.
- Your Firebase account data (email, tier, usage counters) is stored securely in Google Firestore
and is never sold to third parties.
6. Market Data & Third-Party Services
StockUp aggregates data using third-party providers, primarily TradingView and Finnhub.
- We do not guarantee the accuracy, completeness, or timeliness of pricing data, news feeds, or
charting information.
- If TradingView or Finnhub experience downtime, parts of StockUp will also experience downtime.
We are not liable for trading losses caused by data latency or third-party outages.
7. "Bring Your Own Key" (BYOK) Policy
To access live search data, StockUp requires users to input their own personal Finnhub API Key.
- You are entirely responsible for maintaining the security of your API key and abiding by
Finnhub's own Terms of Service.
- StockUp stores your API key in your Firebase account to enable live data features. It is never
shared with third parties outside of requests made on your behalf to Finnhub.
- StockUp is not responsible if your API key is rate-limited, revoked, or banned by Finnhub.
7A. StockUp EOY View, Live Move Context, and Portfolio Tools
StockUp EOY targets, target ranges, Live Move Context explanations, portfolio health checks, imported
brokerage data, and risk visuals are informational tools only. EOY targets may be hard-coded or
periodically reviewed. Live Move Context identifies possible drivers, not confirmed causation.
Portfolio data may be incomplete, stale, or different from your brokerage records.
8. Subscriptions, billing, and cancellations
StockUp offers paid subscription tiers billed securely via Stripe.
- Subscriptions are billed automatically on a recurring monthly basis.
- You may cancel your subscription at any time via your Profile dashboard. Cancellation takes
effect at the end of the current billing period.
- Because of the immediate cost of AI generation incurred at the time of each request, we
do not offer prorated refunds for partially used billing periods.
- StockUp reserves the right to modify pricing with 30 days' notice to active subscribers.
8A. Developer API allowances
Developer API free allowances are available only to verified Developer API accounts using the specified model IDs. Quan 3.4 L includes 100,000 lifetime tokens, and Quan 3.0 has a separate 100,000-token allowance. These allowances combine input, visible output, and provider-reported reasoning tokens and are shared across the account's API keys.
Developer API allowances do not apply to Essentials or Pro subscriptions, Deep Research, Quan 3.4, Quan 3.3, Enterprise model aliases, or other models unless the applicable product documentation says so. Developer API wallet funds do not expire and cannot be transferred to another account.
9. Prohibited Use
You agree not to use StockUp for any of the following:
- Automated scraping, botting, or mass querying of any AI or data features.
- Reselling, redistributing, or republishing AI-generated content as professional financial
advice.
- Attempting to reverse-engineer, extract, or expose the system prompts or internal logic of
StockUp Quan.
- Any use that violates applicable securities laws or regulations in your jurisdiction.
10. Limitation of Liability
To the fullest extent permitted by law, StockUp, its owners, employees, and affiliates shall not be
liable for any direct, indirect, incidental, special, or consequential damages arising from your use
of the platform, including but not limited to investment losses, data inaccuracies, or AI-generated
misinformation.
11. Acceptance and changes to Terms
We may update these Terms at any time. Continued use of StockUp after changes are posted constitutes
acceptance of the new Terms. Signed-in users may need to accept the current legal version before using
authenticated StockUp features. Signed-in Developer Console and Playground users must accept the current
developer terms before opening those workspaces. Existing Developer API credentials are not revoked
solely because a newer Dashboard version has not been accepted. Enterprise organizations and members
are also subject to the Enterprise Terms Addendum.
