This is a description of the agreement between you and whoever runs this site, and no lawyer has read it. It was written to be true and to be readable, which is not the same as being watertight in every country it can be opened from. If you are the operator, this is yours to answer for, and it should be checked by somebody qualified in your jurisdiction before you rely on it. If you are a reader, the short version is at the top of every page: this is a tool for reading filings, and nothing here is advice.
By using this site you accept what follows. If you do not accept it, do not use the site — that is the only thing acceptance is being asked for, and there is nothing to sign.
They are between you and [OPERATOR], the person or organisation running this instance, reachable at [CONTACT EMAIL]. Below, "we" means that operator and "the site" means this instance at this domain.
Stock Scorer is software that can be run by anybody. These terms cover this instance only. If you run the software yourself, section 21 applies instead and nothing here binds your own users.
The site scores companies out of ten from their own regulatory filings and a share price. A score out of ten reads like a verdict. It is not one.
Past figures do not predict future ones. Prices are delayed. Any decision you make is yours alone, and you make it having been told all of this.
If you want advice, engage somebody licensed to give it.
You may use the site if you are old enough to enter a contract where you live — 18 or over unless your local law sets it lower — and if using it is lawful where you are. If you are not, you may not use it, and you may not make an account.
You are responsible for complying with the law that applies to you, including any rules about handling market data or making investment decisions in your jurisdiction. We do not check where you are and we make no claim that the site is appropriate or available everywhere.
You do not need an account. The dashboard works signed out, and what that stores is set out in the privacy statement.
If you make one:
Stored filings and share prices are not deleted with your account. They are public data shared by everybody using the instance and are not one person's to remove.
Use the site for your own purposes, personal or professional, including making up your own mind about companies. Look at the figures, change the weights, read the tags, export your own data.
You may quote or screenshot a score or a figure elsewhere, provided you say where it came from and do not present it as advice or as ours. We would rather you did that than not.
Breaking any of this is grounds for closing your account, blocking your access, or both, at our discretion and without notice.
Every figure on the site is derived from a public source, and the site shows you which one. Each figure carries the accounting tag it was read from, visible in the Inspect panel. That is deliberate: it means you can check the arithmetic yourself rather than take our word for it. It is also the honest reason for what follows.
| Source | What it provides |
|---|---|
| SEC EDGAR company facts | US filings |
| filings.xbrl.org | European (ESEF) filings |
| Commercial market-data providers | Share prices and exchange information |
| Commercial data providers | Analyst forward estimates |
The two filing sources are named because they are public registries and because being able to trace a figure to the filing it came from is the point of the site. The commercial providers are not named: which ones we use is a matter between us and them, it changes, and naming a provider would imply a licence or a warranty passed on to you that does not exist.
We do not warrant that any of it is accurate, current or complete. All of the following happen in normal operation, and none of them is a defect we promise to prevent:
Figures are shown in the currency the company reports in and are never converted. A converted figure would carry an invented exchange rate, so ratios compare like with like and absolute amounts across companies may not be comparable.
Where a figure cannot be established, the site leaves it out rather than guessing. A missing measure lowers no score. That is the design, and it means an incomplete row is not a bad company — it is an unmeasured one.
The upstream sources above are independent of us. They set their own terms, may change or withdraw what they publish, and may go away. Their data remains theirs. Nothing here grants you a licence to it beyond looking at it on this page, and any redistribution is a matter between you and them.
The site may link to other places, and may use third parties for sign-in, analytics, donations and email. We do not control them, we are not responsible for them, and their terms and privacy policies govern what they do. The privacy statement names each one and what it receives.
Company names, tickers and trade marks belong to their owners and appear here to identify the companies being described. That is not affiliation, sponsorship or endorsement in either direction.
The text, layout, wording of the explanations, the scoring method as expressed here, and the site as a whole are ours or our licensors'. The underlying facts in public filings are nobody's property, and we make no claim to them.
You may not copy the site wholesale, present it as your own, or strip the text out for another product. Quoting it with attribution is fine, as section 5 says.
If the software is published under an open-source licence, that licence governs the code and says so in its own terms. It does not grant rights over this instance, its database, or the content of this page.
If the site asks for donations, understand exactly what one is.
Donations pay for hosting and market data. They do not make the site a business, and they do not make us your adviser.
The site is offered as a free tool run at somebody's own expense. That has consequences and we would rather state them than imply otherwise.
We are not liable for anything you lose because the site was unavailable, changed, or ended.
To the fullest extent the law allows, the site is provided "as is" and "as available", with no warranties of any kind, express or implied — including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
We do not warrant that the site will be uninterrupted, secure, error-free, free of harmful code, or that any defect will be corrected. No advice or information you get from the site, in any form, creates a warranty.
Read this next to section 14, which says what we do not disclaim. A term that tries to exclude everything tends to be struck out entirely, so this excludes what it can and says plainly where it stops.
To the fullest extent the law allows, we are not liable for:
Where liability cannot be excluded but can be limited, our total liability to you for all claims together is limited to the greater of the amount you have paid us in the twelve months before the claim, or fifty euros — noting that for almost every reader the amount paid is nothing, because the site is free.
Nothing in these terms excludes or limits liability that cannot lawfully be excluded. In particular, nothing here affects our liability for:
If you are a consumer, your statutory rights come first. Where mandatory consumer law in your country of residence gives you more than these terms do, that law applies and this document does not reduce it. If any term here would be unfair or void under that law, it does not apply to you, and the rest of these terms still stand.
If somebody brings a claim against us because of how you used the site — you redistributed data you were not entitled to, you presented our output as licensed advice, you broke section 6, or you broke the law — you will cover our reasonable costs and damages arising from it. We will tell you about any such claim and give you a fair chance to deal with it.
This does not apply to anything caused by us rather than by you.
We may suspend or close your account, or block your access, if you break these terms, if we are required to, or if keeping the account open puts the site or other people at risk.
Where it is reasonable to do so we will say why, and where the breach is fixable we will usually ask first. We do not have to, and for anything that threatens the site or another person's data we will act immediately.
You may close your account at any time from the account menu. Sections 9, 13, 14 and 15 survive your account ending.
We may change these terms. The version on this page is always the one in force, and it carries the date it last changed at the foot.
For a change that materially reduces your rights we will give notice on the site before it takes effect, and where we hold a verified address for you we will use it. Continuing to use the site after a change takes effect means you accept it. If you do not accept it, stop using the site and close your account — that remains free and immediate.
These terms are governed by the law of [COUNTRY], and the courts of [COUNTRY] have jurisdiction over any dispute.
If you are a consumer, this does not take away your right to rely on the mandatory law of the country where you live, or to bring proceedings there where your law gives you that right.
We would much rather hear from you than be sued. Write to us first; almost anything can be sorted out that way.
These terms bind users of this instance. Run your own copy and you are the operator: the terms your users get, the privacy statement, the lawful basis for what you store, and the rules that apply where you are all become yours to write and to answer for.
Two things worth knowing before you do. The disclaimer is not decoration — publishing a tool that scores shares can engage financial-promotion rules in your jurisdiction regardless of what your terms say. And the upstream data providers' licences are between you and them; the existence of this software grants you nothing under them.
Last changed: [DATE]. [OPERATOR], [CONTACT EMAIL].