Terms of Service

Effective Date: August 16, 2026

Last Updated: August 16, 2026

1. Introduction

Welcome to StocksIntel.

These Terms of Service (“Terms”) govern your access to and use of the websites, applications, dashboards, stock-analysis tools, market-intelligence tools, APIs, reports, alerts, subscriptions, artificial-intelligence features, and other products and services operated by StocksIntel, trading as StocksIntel (“StocksIntel,” “we,” “us,” or “our”).

Collectively, these products and services are referred to as the “Services.”

By creating an account, purchasing a subscription, accessing the Services, or otherwise using the Services, you agree to these Terms.

If you do not agree to these Terms, you must not use the Services.

These Terms should be read together with our:

• Privacy Policy.
• Cookie Policy, where applicable.
• Subscription or pricing terms.
• API terms, where applicable.
• Any additional terms presented for a particular feature or service.

If additional terms conflict with these Terms, the additional terms will govern the specific feature to which they apply, unless otherwise stated.

2. About StocksIntel

StocksIntel is designed as a Nigerian stock-market intelligence, research, analytics, education, and decision-support platform.

Depending on the features available to you, the Services may provide:

• Stock-market data.
• Historical price information.
• Company fundamentals.
• Stock scores.
• Valuation information.
• Risk analysis.
• Dividend information.
• Market trends.
• Trending-stock information.
• Watchlists.
• Alerts.
• Market news and summaries.
• Educational material.
• Stock comparisons.
• Sector analysis.
• Scenario-based forecasts.
• Artificial-intelligence-assisted explanations.
• Prediction histories.
• Research reports.
• Portfolio-analysis tools.
• Market-screening tools.
• APIs.
• Other financial-information features.

Unless expressly stated otherwise in connection with a properly licensed or regulated service, the Services are intended to provide general research, information, analytics, education, and decision-support tools.

3. Important Investment Disclaimer

PLEASE READ THIS SECTION CAREFULLY

Investing in shares, securities, and other financial instruments involves risk.

The value of an investment may rise or fall.

You may lose some or all of the money you invest.

Historical performance does not guarantee future performance.

Any stock score, rating, prediction, forecast, estimated upside, estimated downside, valuation range, scenario, market signal, risk indicator, alert, AI-generated explanation, or other information presented through the Services involves uncertainty.

Unless expressly stated otherwise in connection with a separately regulated service:

StocksIntel does not provide personalized investment advice, portfolio-management services, brokerage services, trade execution, or individualized recommendations based on your complete financial circumstances.

You remain responsible for your investment decisions.

4. Not a Guarantee of Investment Performance

Nothing provided through the Services constitutes a guarantee that:

• A stock price will increase.
• A stock price will decrease.
• A dividend will be declared or paid.
• A company will remain profitable.
• A particular investment strategy will succeed.
• A prediction will be accurate.
• A stock will reach an estimated price.
• An estimated upside will occur.
• An identified risk will occur.
• A user will earn a profit.
• A user will avoid a loss.

Terms such as:

• “Strong Watch.”
• “Attractive Valuation.”
• “Good Long-Term Hold.”
• “Wait for Better Entry.”
• “Momentum Candidate.”
• “Dividend Candidate.”
• “Overheated.”
• “High Risk.”
• “Avoid for Now.”
• “Bullish Scenario.”
• “Bearish Scenario.”
• “Estimated Upside.”
• “Confidence Score.”

are analytical classifications or research labels and should not be interpreted as guarantees.

5. No Personalized Financial Advice

Unless a feature expressly states otherwise and is offered in compliance with applicable regulatory requirements, the information available through StocksIntel is general in nature.

We generally do not take into account your complete:

• Financial position.
• Income.
• Debt.
• Tax circumstances.
• Investment experience.
• Age.
• Dependants.
• Investment objectives.
• Risk tolerance.
• Time horizon.
• Liquidity requirements.
• Existing portfolio.
• Personal circumstances.

Accordingly, information presented through the Services may not be appropriate for your individual situation.

You should consider conducting your own research and, where appropriate, obtaining advice from a suitably qualified and properly authorised professional before making significant financial decisions.

6. No Brokerage or Trade Execution

Unless expressly introduced as a separate regulated feature, StocksIntel:

• Does not operate as a stockbroker.
• Does not hold securities on your behalf.
• Does not hold investment funds on your behalf.
• Does not automatically purchase securities.
• Does not automatically sell securities.
• Does not execute investment orders.
• Does not manage your investment portfolio.
• Does not have authority to transact on your behalf.

If brokerage functionality is introduced through a third-party partner, separate terms and regulatory disclosures may apply.

7. Regulatory Status

StocksIntel operates as a financial-information, market-research, analytics, and educational technology platform. Unless otherwise expressly disclosed, we are not acting as a licensed stockbroker, fund manager, portfolio manager, investment adviser, or robo-adviser.

8. Eligibility

You may use the Services only if:

• You have the legal capacity to enter into a binding agreement.
• Your use of the Services is permitted by applicable law.
• You comply with these Terms.
• You provide accurate information where registration is required.

The minimum permitted age for an account is:

18 years old

If applicable law requires parental or guardian consent for users below a certain age, such users may not use the Services without the legally required consent.

Because the Services concern financial markets, the platform may choose to restrict account creation to users aged 18 years or older.

This decision should be finalised before a related feature is made available and reflected consistently in the Privacy Policy.

9. User Accounts

Certain features require an account.

When creating an account, you agree to provide information that is accurate, current, and complete.

You must not:

• Impersonate another person.
• Create an account using false information.
• Create an account for another person without authority.
• Use another user's account without permission.
• Attempt to bypass account restrictions.
• Create multiple accounts for fraudulent or abusive purposes.

You are responsible for maintaining the confidentiality of your account credentials.

10. Account Security

You are responsible for activities conducted through your account unless they occur because of circumstances for which applicable law places responsibility on us.

You should:

• Use a strong password.
• Use a unique password.
• Enable multi-factor authentication where available.
• Keep login credentials confidential.
• Secure devices used to access the Services.
• Sign out on shared devices.

Notify us promptly at filledstocksintelligence@gmail.com if you believe:

• Your account has been compromised.
• Your password has been exposed.
• Someone is using your account without authorisation.
• Your API key has been compromised.

We may temporarily restrict an account where reasonably necessary to investigate suspected fraud, abuse, or unauthorised access.

11. Account Information

You are responsible for keeping information associated with your account reasonably up to date.

We may request verification where reasonably necessary for:

• Account security.
• Subscription management.
• Fraud prevention.
• Regulatory compliance.
• Payment disputes.
• Access to certain features.

If future regulated functionality requires additional identification or know-your-customer procedures, separate requirements and disclosures may apply.

12. Free and Paid Services

The Services may include:

• Free features.
• Paid subscriptions.
• Trial subscriptions.
• Promotional subscriptions.
• Premium research.
• Enterprise plans.
• API plans.
• Investor-club plans.
• Other paid products.

Features available within each plan may change over time.

The current features and prices should be displayed on the relevant pricing or subscription page before a user purchases a subscription.

13. Subscription Plans

Subscription plans may include categories such as:

• Free.
• Starter.
• Pro.
• Premium.
• Investor Club.
• Enterprise.
• B2B/API.

The final names, prices, usage limits, and features are determined by the pricing information displayed at the time of purchase.

We may introduce, modify, or discontinue subscription plans subject to applicable law and any commitments already made to existing subscribers.

14. Subscription Fees

Paid features require payment of the applicable fees displayed during purchase.

Unless otherwise stated:

• Prices are shown in Nigerian Naira or another displayed currency.
• Applicable taxes may be added where required.
• Payment must be completed through an accepted payment method.
• Access to paid functionality may begin after payment is successfully confirmed.

Users are responsible for reviewing the displayed price before completing a purchase.

15. Recurring Subscriptions

Where a subscription automatically renews, we will disclose the recurring nature of the subscription before purchase.

By selecting an automatically renewing subscription, you authorise the applicable recurring charges until cancellation.

The checkout flow should clearly disclose:

• Subscription price.
• Billing period.
• Whether renewal is automatic.
• Cancellation process.
• Material restrictions.
• Applicable trial conditions.

16. Subscription Renewal

Unless cancelled before the applicable renewal date, an automatically renewing subscription may renew for another billing period.

Renewal will occur at the price disclosed to you or otherwise permitted under applicable law.

Where a material price increase applies, we may provide advance notice as required by law or our applicable billing terms.

17. Cancellation

You may cancel an automatically renewing subscription using:

• Account settings, where available; or
• Another cancellation method specified by us.

Cancellation generally prevents future renewal.

Unless required by applicable law or stated otherwise at the time of purchase, cancellation does not necessarily result in an immediate refund for the current billing period.

You may continue to have access until the end of the paid billing period unless otherwise stated.

18. Refunds

Refund eligibility will depend on:

• Applicable consumer-protection law.
• The nature of the service.
• Whether the service has been delivered.
• The reason for the refund request.
• Any promotional terms presented before purchase.

Our refund policy must not remove rights that users have under applicable law.

The final operational refund policy should be inserted here:

[INSERT FINAL REFUND POLICY]

Nothing in these Terms limits any non-waivable refund or consumer right available under applicable law.

19. Trials and Promotional Offers

We may offer:

• Free trials.
• Discounted subscriptions.
• Promotional access.
• Coupon codes.
• Referral benefits.
• Early-access pricing.

Additional terms may apply.

We may limit eligibility for promotions to prevent abuse.

Where a trial automatically converts into a paid subscription, that fact and the applicable price should be disclosed before the user begins the trial.

20. Payment Processing

Payments may be processed through third-party providers including:

• Paystack.
• Flutterwave.
• [OTHER PROVIDER].

We may change payment providers.

Payment providers may impose their own terms of service and privacy policies.

We generally do not directly process or store complete payment-card credentials where an external payment processor handles those details.

21. Failed Payments

If a payment fails, we may:

• Attempt payment again where permitted.
• Notify you.
• Restrict access to paid functionality.
• Downgrade the account.
• Suspend paid services until payment is completed.

We will not charge amounts that have not been properly authorised.

22. Taxes

Prices may include or exclude taxes depending on the service and applicable law.

Users are responsible for taxes, levies, duties, or charges that lawfully apply to their purchase, except taxes imposed directly on our income.

23. Stock-Market Data

The Services may contain information obtained from:

• Nigerian Exchange sources.
• Securities exchanges.
• Market-data vendors.
• Licensed data providers.
• Public company filings.
• Corporate announcements.
• Financial institutions.
• News providers.
• Government sources.
• Regulatory sources.
• Commercial data vendors.
• Other third parties.

Market data may be subject to delays, corrections, licence restrictions, or interruptions.

24. Delayed Data

Some stock-market information may not be real-time.

Where data is delayed, we should identify that fact where reasonably practicable.

You should not assume that a displayed price represents the price currently available for executing a transaction.

A security may trade at a materially different price by the time you place an order through an independent broker.

25. Market-Data Accuracy

We aim to use credible and legally usable data sources.

However, financial data can contain:

• Errors.
• Delays.
• Missing records.
• Corporate-action adjustments.
• Restatements.
• Data-feed failures.
• Provider errors.
• Formatting errors.
• Incorrect mappings.

We may correct information when errors are identified.

Except where applicable law requires otherwise, historical information displayed on the platform should not be treated as an official securities-exchange record.

26. Corporate Actions and Financial Statements

Company information may change because of:

• Dividends.
• Rights issues.
• Stock splits.
• Share consolidations.
• Mergers.
• Acquisitions.
• Delistings.
• Suspensions.
• Restated accounts.
• New financial statements.
• Regulatory actions.
• Company announcements.

There may be a delay before such information is reflected throughout the Services.

27. Stock Scores

We may generate stock scores using quantitative and qualitative factors.

Possible factors may include:

• Fundamentals.
• Valuation.
• Momentum.
• Risk.
• Dividend history.
• Liquidity.
• Sentiment.
• Market conditions.
• Model confidence.

A stock score represents the methodology used at a particular time.

It is not a guarantee of investment performance.

Scoring methodologies may change as the product evolves.

28. Changes to Scoring Methodology

We may:

• Add scoring factors.
• Remove scoring factors.
• Modify weights.
• Improve data sources.
• Correct bugs.
• Change models.
• Introduce new methodologies.

Where practical, significant methodology changes may be documented.

Because methodology can evolve, scores generated at different times may not always be directly comparable.

29. Predictive Analysis

Certain Services may provide forecasts or predictive scenarios.

Predictions may include:

• Bullish scenarios.
• Neutral scenarios.
• Bearish scenarios.
• Estimated price ranges.
• Estimated upside.
• Estimated downside.
• Confidence levels.
• Time horizons.
• Risk triggers.

These predictions reflect uncertain models and assumptions.

Actual results may differ substantially.

30. Prediction Accuracy

We may track historical predictions and compare them with subsequent outcomes.

Any displayed accuracy metric depends on the methodology used.

Accuracy statistics:

• Do not guarantee future accuracy.
• May differ between securities.
• May differ between market conditions.
• May change after methodology updates.
• May not capture every type of forecasting error.

The methodology used for measuring prediction accuracy should be disclosed where reasonably practicable.

31. Artificial Intelligence

Some Services may use artificial intelligence or machine-learning systems.

AI may assist with:

• Financial explanations.
• Summaries.
• Research presentation.
• Stock-analysis narratives.
• Market summaries.
• Search.
• Classification.
• Trend identification.
• Scenario explanations.
• Educational information.

Artificial intelligence can produce incorrect, incomplete, misleading, or outdated outputs.

You should verify important financial information independently before relying on it.

32. AI Is Not Financial Truth

AI-generated content should not be considered authoritative merely because it appears confident or detailed.

Users should not rely exclusively on artificial-intelligence output when making significant investment or financial decisions.

Where possible, StocksIntel aims to ground AI outputs in verified information, but errors remain possible.

33. User Inputs to AI Features

Where the platform provides free-text or conversational AI tools, you agree not to intentionally submit:

• Another person's confidential information without permission.
• Passwords.
• PINs.
• Full payment-card credentials.
• Brokerage login credentials.
• Illegal material.
• Malicious code.
• Content you do not have the right to submit.

Information submitted to AI features may be processed as described in our Privacy Policy.

34. Watchlists

Users may create watchlists containing securities they wish to follow.

A watchlist:

• Is for informational and organisational purposes.
• Does not represent a portfolio-management recommendation.
• Does not mean we recommend purchasing the listed securities.
• Does not guarantee that alerts will arrive before a market event.

35. Alerts

The Services may allow users to configure alerts relating to:

• Prices.
• Valuation.
• Dividends.
• Company announcements.
• Market conditions.
• Stock scores.
• Risk indicators.
• Prediction changes.
• Other events.

Alerts may be delivered by:

• Email.
• Push notification.
• SMS.
• WhatsApp.
• In-app notification.

Delivery is not guaranteed.

36. Alert Delays and Failures

Alerts may be delayed or fail because of:

• Internet connectivity.
• Mobile networks.
• Email providers.
• Messaging providers.
• Cloud outages.
• Third-party API failures.
• Incorrect contact information.
• Application errors.
• Data-feed delays.
• Device settings.

You should not rely on alerts as the sole means of monitoring an investment.

37. Portfolio Tools

If we provide portfolio-analysis tools, users may enter or connect information concerning securities they hold.

Portfolio tools may provide:

• Allocation analysis.
• Risk analysis.
• Diversification information.
• Profit or loss calculations.
• Sector exposure.
• Concentration analysis.
• Educational observations.

Unless expressly provided through a regulated service, such tools remain analytical and informational.

38. User Responsibility for Portfolio Data

If you manually enter portfolio information, you are responsible for its accuracy.

Incorrect:

• Purchase prices.
• Quantities.
• Transaction dates.
• Fees.
• Dividends.

may produce inaccurate calculations.

39. Educational Content

We may provide:

• Articles.
• Guides.
• Tutorials.
• Glossaries.
• Reports.
• Videos.
• Newsletters.
• Market explanations.

Educational content is general in nature.

It should not be interpreted as personalised advice.

40. News and Third-Party Content

The Services may display or link to third-party content.

Third-party content may include:

• News.
• Company announcements.
• Analyst commentary.
• Videos.
• Social-media posts.
• External research.
• Government information.
• Exchange information.

We do not necessarily endorse every statement made by a third party.

41. Third-Party Websites

The Services may contain links to third-party websites.

We do not control those sites.

Your use of third-party services is governed by their own:

• Terms.
• Privacy policies.
• Security practices.
• Regulatory obligations.

You should review those terms before using the third-party service.

42. Broker Integrations

Future versions of the Services may integrate with independent brokers or investment platforms.

Where an integration exists:

• The broker may operate independently from us.
• Brokerage terms may apply.
• Brokerage fees may apply.
• The broker may perform its own identity verification.
• The broker may have separate regulatory obligations.
• Orders may be subject to the broker's execution policies.

We are not responsible for independent broker actions except to the extent that applicable law provides otherwise or we have expressly assumed responsibility.

43. Acceptable Use

You may use the Services only for lawful purposes and in accordance with these Terms.

You must not use the Services to:

• Violate applicable law.
• Commit fraud.
• Facilitate market manipulation.
• Facilitate insider trading.
• Launder money.
• Finance illegal activity.
• Mislead investors.
• Impersonate another person.
• Abuse another user.
• Circumvent security controls.
• Interfere with system operation.

44. Market Abuse

You must not use the Services in connection with:

• Insider trading.
• Market manipulation.
• Pump-and-dump schemes.
• False market rumours.
• Coordinated deceptive trading.
• Manipulative promotional campaigns.
• Other unlawful securities-market conduct.

We may suspend accounts reasonably suspected of serious unlawful activity.

Where required by law, we may cooperate with competent authorities.

45. Technical Abuse

You must not:

• Attempt unauthorised access.
• Probe systems for vulnerabilities without permission.
• Bypass rate limits.
• Introduce malware.
• Launch denial-of-service attacks.
• Scrape protected content contrary to these Terms.
• Reverse engineer restricted components where prohibited.
• Circumvent technical controls.
• Access non-public administrative systems.
• Interfere with other users.

46. Automated Access

Bots, scripts, crawlers, or automated tools may not access the Services except:

• Through an authorised API.
• With our written permission.
• Where applicable law prevents us from restricting such activity.

We may apply:

• Rate limits.
• Usage quotas.
• API restrictions.
• Automated-abuse detection.

47. API Services

Where we provide API access, additional API terms may apply.

API users must:

• Keep API keys confidential.
• Follow rate limits.
• Respect data licensing requirements.
• Avoid reselling restricted data without permission.
• Maintain reasonable security.
• Not use the API for unlawful purposes.

48. API Availability

We do not guarantee uninterrupted API availability.

We may:

• Modify endpoints.
• Deprecate endpoints.
• Introduce versioning.
• Adjust quotas.
• Apply rate limits.
• Suspend abusive credentials.

Where commercially reasonable, business customers may receive advance notice of material API changes.

49. Market-Data Licensing Restrictions

Some information available through the Services may belong to external data providers.

Such information may be subject to restrictions concerning:

• Redistribution.
• Republishing.
• Commercial use.
• Bulk extraction.
• Automated downloading.
• Resale.
• Public display.

Your subscription does not automatically grant ownership of third-party market data.

50. Intellectual Property

Unless otherwise stated, the Services and their original components are owned by or licensed to StocksIntel.

This may include:

• Software.
• Interface designs.
• Branding.
• Logos.
• Written explanations.
• Original research.
• Scoring methodologies.
• Database structures.
• Reports.
• Visualisations.
• Proprietary models.
• Educational content.

These materials may be protected by applicable intellectual-property laws.

51. Limited Licence to Users

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to access and use the Services for their intended purpose.

You may not automatically:

• Resell access.
• Copy substantial parts of the platform.
• Republish paid reports.
• Redistribute proprietary datasets.
• Sell our research.
• Use our branding without permission.

52. Screenshots and Sharing

Users may ordinarily share reasonable screenshots or excerpts for personal commentary or discussion, provided that:

• Copyright notices are not intentionally removed.
• The content is not falsely represented.
• Paid content is not systematically republished.
• Third-party data restrictions are respected.
• The sharing does not imply endorsement by StocksIntel.

We may provide specific sharing functionality for reports or stock pages.

53. User Content

Certain features may allow users to submit:

• Comments.
• Feedback.
• Reviews.
• Questions.
• Portfolio information.
• Watchlists.
• Uploaded documents.
• Other content.

You retain ownership of content you own.

By submitting content where processing is necessary to operate the feature, you grant us the limited rights required to host, process, display, transmit, or otherwise use it to provide the Services.

54. Responsibility for User Content

You must not submit content that:

• Violates another person's intellectual-property rights.
• Contains unlawful material.
• Contains malware.
• Is fraudulent.
• Is defamatory where prohibited by law.
• Violates another person's privacy.
• Promotes unlawful market manipulation.
• Contains information you have no right to disclose.

55. Feedback

If you voluntarily provide:

• Suggestions.
• Ideas.
• Product feedback.
• Feature requests.

we may use that feedback to improve the Services without owing compensation unless we expressly agree otherwise.

This does not transfer ownership of unrelated confidential materials you may provide.

56. Our Branding

StocksIntel, its logos, names, icons, and related branding may be trademarks or proprietary identifiers.

You must not use them in a manner that:

• Suggests false affiliation.
• Suggests false endorsement.
• Misleads users.
• Infringes our rights.

57. Availability of the Services

We aim to maintain reliable Services but do not promise uninterrupted availability.

Services may be unavailable because of:

• Maintenance.
• Updates.
• Network failures.
• Cybersecurity incidents.
• Provider outages.
• Exchange outages.
• Data-provider interruptions.
• Force-majeure events.
• Software defects.

Where reasonably practicable, scheduled maintenance may be communicated in advance.

58. Changes to Features

We may improve, modify, replace, or discontinue features.

This may include changes to:

• Stock scores.
• Dashboards.
• Data sources.
• AI models.
• Subscription features.
• Reports.
• API endpoints.

Where a material change significantly affects a paid subscription, we will handle the change in accordance with applicable consumer law and the subscription commitments made to the user.

59. Beta and Experimental Features

We may provide features labelled:

• Beta.
• Experimental.
• Preview.
• Early Access.

Such features may:

• Contain more errors.
• Change frequently.
• Be discontinued.
• Produce incomplete results.

Users should exercise additional caution when relying on experimental financial analytics.

60. Corrections

We may correct:

• Typographical errors.
• Data errors.
• Incorrect calculations.
• Pricing errors.
• Stock classifications.
• Technical problems.

If an error materially affects a paid transaction, we will address it in accordance with applicable law.

61. Suspension

We may temporarily suspend access where reasonably necessary because of:

• Security concerns.
• Fraud.
• Serious abuse.
• Payment failure.
• Legal requirements.
• Market manipulation.
• Technical attacks.
• Material violation of these Terms.

Where appropriate and lawful, we may provide notice.

62. Account Termination

You may stop using the Services at any time.

You may request account deletion through available account controls or by contacting:

filledstocksintelligence@gmail.com

We may terminate or restrict an account for material violations of these Terms, subject to applicable law.

63. Effects of Termination

After termination:

• Your right to access restricted Services ends.
• Saved information may become inaccessible.
• Subscription renewal should stop where cancellation has been properly completed.
• Certain records may remain where legally or operationally necessary.

Personal-data retention following termination is governed by our Privacy Policy.

64. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Services are provided on an “as available” basis.

We do not promise that the Services will always be:

• Uninterrupted.
• Error-free.
• Completely accurate.
• Completely up to date.
• Free from all security vulnerabilities.

Nothing in this section excludes warranties or consumer protections that cannot lawfully be excluded.

65. Financial Information Disclaimer

Financial information may become outdated rapidly.

Market prices, company information, forecasts, and valuations may change without notice.

You are responsible for verifying information that is material to an investment decision.

66. Limitation of Liability

This section applies only to the extent permitted by applicable law.

StocksIntel will not be responsible for losses solely because:

• A user made an independent investment decision based on general research.
• A market moved unexpectedly.
• A prediction did not occur.
• A security decreased in value.
• A company failed.
• A dividend was cancelled.
• Third-party market data contained an error outside our reasonable control.
• A notification experienced an unavoidable third-party delay.

However, nothing in these Terms excludes or limits liability where doing so would be unlawful, including liability or remedies that applicable consumer-protection law does not permit us to waive.

67. Investment Losses

Users acknowledge that investment losses may occur even when:

• Data is accurate.
• Research is reasonable.
• A prediction was made in good faith.
• Historical indicators appeared favourable.

Financial markets inherently involve uncertainty.

A loss does not by itself establish that the Services were defective or that StocksIntel guaranteed an investment outcome.

68. Consequential and Indirect Losses

To the extent permitted by applicable law, we may not be responsible for indirect or consequential commercial losses arising from use of the Services.

This provision does not apply where applicable law prohibits such exclusions.

Consumer rights that cannot legally be limited remain unaffected.

69. Liability Cap

To the extent permitted by applicable law, liability arising from paid Services may be limited to the amount paid by you for the relevant paid Service during the 12 months preceding the event giving rise to the claim.

Nothing in this section limits liability that cannot lawfully be limited.

70. Consumer Rights

Nothing in these Terms removes, restricts, or waives rights granted to consumers that cannot lawfully be excluded.

Where a provision of these Terms conflicts with a mandatory consumer-protection requirement, the mandatory requirement prevails to the extent of the conflict.

71. Indemnity for Misuse

To the extent permitted by applicable law, business users and users acting outside a consumer context may be responsible for losses reasonably arising from their:

• Unlawful use of the Services.
• Infringement of third-party rights.
• Market manipulation.
• Unauthorised redistribution of licensed data.
• Deliberate technical attacks.

Any indemnity applicable to individual consumers must be interpreted subject to mandatory consumer-protection law.

72. Privacy

Our collection and use of personal information is described in our Privacy Policy.

By using the Services, you acknowledge that information may be processed as described in that policy.

These Terms do not replace the Privacy Policy.

73. Communications

You agree that we may send service-related communications necessary to operate your account.

These may include:

• Account verification.
• Security notices.
• Billing notices.
• Subscription information.
• Legal notices.
• Service changes.

Marketing communications will be handled in accordance with applicable law and our Privacy Policy.

74. Electronic Communications

Where legally permitted, notices and agreements may be provided electronically.

Electronic communications may include:

• Email.
• In-app notices.
• Website notices.
• Other electronic methods.

You are responsible for maintaining a valid email address associated with your account.

75. Conflicts of Interest

We aim to identify and appropriately manage material conflicts of interest.

Possible conflicts may arise from:

• Paid partnerships.
• Sponsored research.
• Data-provider relationships.
• Broker partnerships.
• Referral fees.
• Issuer relationships.
• Affiliate relationships.

Where a relationship materially affects content presented to users, appropriate disclosure should be provided.

76. Sponsored Content

Any paid or sponsored content should be clearly identified.

Sponsored content should not be presented as independent research when it is not independent.

Payment for sponsorship does not guarantee a favourable stock rating.

77. Affiliate Relationships

We may receive compensation if a user signs up for a third-party service through a referral link.

Where applicable, affiliate relationships should be disclosed clearly.

Referral compensation does not necessarily mean we endorse every aspect of the third-party service.

78. Independence of Stock Scores

Where practical, commercial relationships should not secretly alter objective scoring methodologies.

If commercial relationships affect analysis, that effect must be disclosed appropriately.

79. No Insider Information

StocksIntel does not intend to provide users with material non-public information for unlawful trading.

Users must not submit or distribute inside information through the Services.

If we reasonably believe illegal inside information has been submitted, we may restrict access and take appropriate steps.

80. Force Majeure

To the extent permitted by law, we will not be responsible for failure or delay caused by circumstances outside our reasonable control.

Examples may include:

• Natural disasters.
• Government actions.
• Internet outages.
• Telecommunications failures.
• War.
• Civil unrest.
• Exchange closures.
• Major cyber incidents.
• Provider outages.

This provision does not remove rights that cannot lawfully be waived.

81. Governing Law

Unless another mandatory law applies, these Terms are governed by the laws of the Federal Republic of Nigeria.

Mandatory consumer protections applicable to you remain unaffected.

82. Dispute Resolution

We encourage users to contact us first when a dispute arises.

Contact:

filledstocksintelligence@gmail.com

We will seek to resolve legitimate disputes in good faith.

83. Courts and Jurisdiction

Subject to applicable consumer rights and any agreed dispute-resolution process, disputes arising from these Terms may be submitted to courts of competent jurisdiction in Nigeria.

Nothing in this section prevents a user from exercising rights that cannot lawfully be restricted.

84. Arbitration

StocksIntel does not currently require mandatory arbitration unless a separate written agreement or feature-specific term says otherwise and applicable law permits it.

85. Complaints

Users may submit complaints through:

Email: filledstocksintelligence@gmail.com

Support: https://stocksintel.com/contact

We may request relevant information to investigate the complaint.

Depending on the nature of the complaint, users may also have rights to contact an applicable regulator or consumer-protection authority.

86. Regulatory Complaints

Where a matter concerns a regulated financial service provided by a separate licensed partner, users may have additional complaint rights under that provider's procedures.

Nothing in these Terms prevents a user from exercising a lawful right to contact an appropriate regulator.

87. Assignment

You may not transfer your account or contractual rights to another person without our permission where such permission is reasonably required.

We may transfer rights or obligations as part of:

• Corporate restructuring.
• Merger.
• Acquisition.
• Sale of business.

subject to applicable law.

88. Severability

If a court or competent authority determines that part of these Terms is invalid or unenforceable, the remaining provisions will continue to apply where legally possible.

The invalid provision may be interpreted or modified only to the extent necessary to make it lawful and enforceable.

89. No Waiver

If we do not immediately enforce a provision of these Terms, that does not necessarily mean we permanently waive the right to enforce it.

90. Entire Agreement

These Terms, together with any applicable:

• Privacy Policy.
• Subscription terms.
• API agreement.
• Enterprise agreement.
• Additional feature terms.

constitute the agreement governing your use of the applicable Services.

91. Changes to These Terms

We may update these Terms because of:

• New features.
• Regulatory developments.
• Business changes.
• Security requirements.
• New subscription models.
• Changes in applicable law.

The “Last Updated” date will identify the latest version.

For material changes, we may provide reasonable notice through:

• Email.
• The website.
• The application.
• Another appropriate method.

Where applicable law requires affirmative consent to a material change, we will seek that consent.

92. Continued Use After Changes

Where legally permitted, continued use of the Services after amended Terms become effective may constitute acceptance of the updated Terms.

If you do not accept updated Terms, you may discontinue use and cancel your account or subscription.

Mandatory consumer rights remain unaffected.

93. Contact Information

The Services are operated by:

Legal Company Name: StocksIntel

Trading Name: StocksIntel

Registered Address: Nigeria

Country: Nigeria

Website: https://stocksintel.com

General Support: filledstocksintelligence@gmail.com

Legal Notices: filledstocksintelligence@gmail.com

Privacy: filledstocksintelligence@gmail.com

Complaints: filledstocksintelligence@gmail.com

Telephone: Not provided

94. Financial-Risk Acknowledgement

By using stock-analysis features, you acknowledge that:

• Investments can lose value.
• Markets are unpredictable.
• Forecasts can be wrong.
• Historical results do not guarantee future results.
• Data can be delayed.
• Models contain assumptions.
• AI can make mistakes.
• You remain responsible for your own financial decisions.

This acknowledgement does not remove any legal responsibility that StocksIntel may have under applicable law.

95. Platform-Specific Operating Principles

These principles describe how StocksIntel is intended to operate and should guide future amendments to these Terms.

Research Before Hype

The platform should help users understand securities rather than encourage speculative excitement or guaranteed-profit thinking.

Explainability

Where practical, stock scores, predictions, and risk assessments should explain the major factors that contributed to the result.

No Guaranteed Returns

No feature should intentionally imply that investment profits are guaranteed.

Historical Accountability

Where predictive analysis is provided, the platform may preserve historical forecasts to help users evaluate previous model performance.

Data Grounding

Financial analysis should rely on identified and reasonably reliable data rather than fabricated figures.

User Responsibility

Users ultimately decide whether to buy, hold, sell, or avoid a security.

Regulatory Awareness

Features should be designed to remain within the regulatory permissions applicable to StocksIntel and its authorised partners.

Consumer Fairness

Pricing, renewals, limitations, refunds, promotions, and material restrictions should be presented clearly rather than hidden in the Terms.

96. Final Acknowledgement

By creating an account or using the Services, you acknowledge that you have had an opportunity to review these Terms and agree to be bound by them.

If you do not agree, you should not create an account or continue using the Services.

StocksIntel

Trading as StocksIntel

Effective Date: August 16, 2026