The terms you use Stock Scorer under

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. There is nothing to sign and nothing to tick. Opening a page, reading a figure, calling an address on this host, or taking data from it by any means is acceptance — by you, and by anybody or anything acting for you. That includes a crawler, a script, an agent and a model: section 5 permits automated reading, and what it permits it also binds. If you do not accept these terms, do not use the site.

1. Who these terms are between

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.

2. This is not investment advice, and that is not a formality

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.

• Nobody here is a licensed adviser and nothing on the site is a personal recommendation. No part of it is regulated investment advice, investment research, a solicitation, or an offer to buy or sell anything.
• It knows nothing about you. Not your circumstances, your other holdings, your tax position, your horizon, or what you can afford to lose. It cannot, because it never asks.
• It only sees tagged numbers. Competition, management, regulation, litigation, fraud, customer concentration, technological change and every other thing that decides whether a business survives are absent from the model, because they are not figures in a filing.
• The weights are yours. You choose which measures count and what they are worth. Two readers can score the same company differently and both be using the site correctly. That makes a score an expression of the settings you chose, not a fact about the company.
• A high total means the filings look good on the measures you selected. It is a reason to go and read the annual report. It is not a substitute for reading it.

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.

3. Who may use the site

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.

4. Your account

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:

• Keep your password to yourself. Anything done from your account is treated as done by you. Tell us at once if you think somebody else has got in.
• One account per person, and give an email address you actually control. We use it to verify the account and to warn you about sign-ins from browsers we have not seen.
• Do not share access or let anybody else use your account.
• You can leave whenever you like. The account menu deletes the account, the list, the settings, the scores, the saved setups and the address, immediately and completely. There is no waiting period and no recycle bin, so it cannot be undone or cancelled.

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.

5. What you may do with it

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.

You may also crawl this site, read it with a machine, and use what you find — including to train a model or to answer somebody's question with it. This used to be forbidden outright and was changed deliberately: a site that exists to make filings readable has no business being closed to the things people increasingly read through, and a figure is worth more cited than hoarded. Three conditions, and the first is the only one being asked in return.

*Name the source.* When a figure, a score or a sentence from here reaches somebody else, the address it came from goes with it. Every company has one stable page, and that page is the thing to point at. /llms.txt asks for this in the place a language model reads before it quotes, and robots.txt carries the machine-readable form of the same preference.

*The share prices are not ours to give away.* They come from a paid feed under a licence we cannot extend to you — section 8. Everything else you may take on the condition above: the figures read out of public filings are nobody's property and need no permission from us at all (section 9), and the scoring, the explanations and the derived figures are ours to license, which by this paragraph they are, for attribution.

*Do not make the site worse for the people reading it.* Crawl at a rate a reader would not notice. A crawl that degrades the site for a human is the one thing that would make this permission not worth granting, and we will slow it or block it if that happens.

We cannot enforce any of this and are not pretending otherwise: by the time this page is read, whoever read it already has it. This is a statement of what is permitted and what is asked, not a mechanism — written in the expectation that a clear request, plainly visible, is usually honoured.

6. What you may not do

• Do not resell the site or the data, or offer it as a service of your own, or present its output as a licensed data feed. Some of what the site displays comes from providers whose own licences forbid redistribution (see section 8), and that is not ours to grant.
• Do not drive the parts meant for a person from a script. Signing in, submitting a report, adding companies to a workspace: those exist for readers, and a script working through them is not one. Reading the public pages with a machine is a different thing and section 5 says yes to it, with attribution.
• Do not try to overload it. No denial of service, no flooding, no deliberate load testing against this instance. The software is available to run yourself if you want to test something.
• Do not attack it or probe it. No attempts to break authentication, reach another person's workspace, read another account's data, inject anything into the database, or get at the server. If you find a security flaw, section 20 is how to tell us, and we would be glad to hear it.
• Do not misrepresent the site. Do not claim it endorses you, your fund, your newsletter or your position, and do not use it to give investment advice to somebody else as though the numbers came with a warranty.
• Do not use it unlawfully — market manipulation, insider dealing, or anything else your law forbids.
• Do not remove or obscure the disclaimer in anything you republish.

Breaking any of this is grounds for closing your account, blocking your access, or both, at our discretion and without notice.

7. Where the numbers come from, and what that means

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.

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:

• A company restates its accounts, so a figure that was right becomes wrong.
• A filer tags a line unusually, or not at all, and the model reads the wrong number or no number.
• A filing is late, missing from the upstream dataset, or superseded.
• A price is stale, wrong, quoted in a minor unit, or in a different currency than expected.
• The model itself contains a mistake. It has contained several; each was found and fixed, and there is no reason to think it now contains none.

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.

8. Third-party data, links and services

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.

9. What is ours

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.

10. Donations

If the site asks for donations, understand exactly what one is.

• A donation buys nothing. No feature, no access, no data, no support, no priority, no removal of limits. Everything on the site works the same whether you give or not.
• It is a gift, not a purchase, and there is no contract of sale. There is nothing to deliver, so consumer withdrawal rights for purchases do not apply.
• It is generally not refundable, because there is nothing to return. If you gave by mistake, write to us and we will do what is reasonable.
• It is not a subscription and creates no ongoing obligation on either side.
• Payment is never handled here. Donations go through an external provider under its own terms, and this site never sees or stores a card number. There is no field on this site that accepts one, and there never will be — if you are ever asked for card details by something claiming to be us, it is not us.

Donations pay for hosting and market data. They do not make the site a business, and they do not make us your adviser.

11. Availability, changes, and the day this stops

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.

• There is no uptime commitment, no service level, and no support obligation. It may be slow, down, or broken.
• It may change. Measures, weights, anchors, wording and features may be added, altered or removed. Scores can change because the method changed, not because a company did.
• It may stop. We may suspend or shut the site down at any time, for any reason, including because it costs more than it is worth. Your data may be deleted when that happens. Export anything you want to keep, using the download in the account menu.
• Limits apply. How many companies a workspace may hold, how often data refreshes and how many requests you may make are set by the operator and may change without notice.

We are not liable for anything you lose because the site was unavailable, changed, or ended.

12. The site is provided as it is

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.

13. What we are not liable for

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:

• Any investment decision, or its consequences. This is the important one. If you buy or sell anything having looked at this site, the outcome is yours. That holds whether the figures were right, wrong, late, misread by the model, or misread by you.
• Trading losses, lost profits, lost revenue, lost opportunity, lost expected gains, or any fall in the value of anything you hold — including any claimed fall in the value of your own information — however they arise.
• Inaccurate, incomplete, delayed or missing data, from us or from any upstream source.
• Errors in the model, including the scoring, the tag chains, the derivations and the arithmetic.
• Unavailability, interruption, or the site being changed or discontinued.
• Anything that happens to data we hold for you: it being lost, deleted, altered, not stored, sent to the wrong address, or not sent at all. Keep your own copy of anything that matters to you. The export exists for that.
• Your account being limited, suspended or closed, under section 16 or otherwise.
• What you do with what you take from here. If you export figures, share them, publish them, or pass them to somebody else, that is your act and its consequences are yours.
• Somebody else getting into your account through you — a password you reused, a device you left open, a link you forwarded, a session you did not end. Where unauthorised access is our failure rather than yours, section 14 governs and this bullet does not: we are not excluding our own security obligations, only declining to insure yours.
• Anything a third party does, including the data providers, the payment provider, the mail provider and the sign-in provider — and including where what they do is wrongful, negligent or unlawful. There are no advertisers on this site and nothing is sold through it; if that ever changes, this document changes with it.
• Indirect, incidental, special, consequential, exemplary or punitive loss of any kind, and any award that multiplies a loss rather than measuring it — treble or otherwise, where the law you are suing under provides for such a thing.

You have relied on nothing but this document. In using the site you confirm that you are not relying on any statement, promise or assurance about it that is not written here, and that no figure, score, chart or sentence anywhere on it has been given or taken as advice, as a recommendation, or as a representation that it is accurate, current or complete.

Whatever the cause, it is not ours. The list above is not narrowed by the reason a figure was wrong: a mistake in a company's own filing, a mistake by a data provider, a mistake in this site's reading of either, a delay anywhere in the chain, a figure that was right when published and wrong an hour later, or a figure that is simply absent. Nor is it narrowed by whether we knew, should have known, or were told that loss was possible.

Things outside our control. We are not liable for any failure or delay caused by something we do not control: the upstream data sources changing, throttling, erring or withdrawing; the hosting, network or certificate provider; a regulator; a change in the law; power, connectivity, or an attack on the infrastructure this runs on.

A claim has twelve months. Any claim arising out of these terms or your use of the site must be brought within twelve months of the event you complain of, or, where the law where you live sets a shorter period, within that period. After that it is time-barred, to the fullest extent the law allows that to be agreed.

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.

14. What we do not disclaim

This section is here because a term that tries to exclude everything is struck out entirely, and then protects nothing. Sections 12 and 13 go as far as the law allows and stop there deliberately. They are not a guarantee that no claim can be made — nobody can write that, and a document claiming it would be the least trustworthy thing on this site. What they do is decide how a claim ends rather than whether it can be started.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded. In particular, nothing here affects our liability for:

• death or personal injury caused by our negligence,
• fraud or fraudulent misrepresentation,
• intent or conscious recklessness on our part,
• anything else that the law where you live does not permit to be excluded.

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.

15. What you cover us for

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.

16. Suspending or closing your account

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.

17. If these terms change

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.

18. Which law applies, and where a dispute goes

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.

19. The rest

• If one term fails, the others hold. A term found invalid or unenforceable is removed or narrowed to the least extent necessary, and the remainder stays in force.
• Not enforcing a term is not giving it up. We may enforce it later.
• These terms, with the privacy statement and the notice on the page, are the whole agreement between us about the site, and they replace anything said earlier.
• You may not transfer your rights under these terms. We may transfer ours if the site changes hands, and will say so on the site if that happens.
• Nothing here makes us partners, employer and employee, or agent and principal.
• Headings are for reading, not for interpretation.
• These terms are written in English. A translation is offered for convenience; where a translation and the English differ, the English is the version that binds.

20. If something is wrong, tell us

• A figure that looks wrong: say which company and which figure. The Inspect panel names the tag it was read from, and quoting that makes it findable in minutes rather than hours. Reports like this have found real errors and are genuinely welcome.
• A security flaw: write to [CONTACT EMAIL] before telling anybody else, and give us a reasonable chance to fix it. Do not test against this instance — run the software yourself. We will not pursue anybody who reports a flaw in good faith and does not exploit it or take other people's data.
• A complaint: the same address. If you are an EU consumer and we cannot resolve it, you may be entitled to use an alternative dispute resolution scheme or your national consumer authority.

21. If you run this software yourself

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].