Terms of Use

Last updated: October 2026

These terms are also available in German; both versions are equally binding.

Please read these Terms of Use carefully before using st-ox ("the Service") at st-ox.com. st-ox is operated by Tarmo Kõuhkna, Estonia (see the Imprint) ("we", "us"). By creating an account or using the Service you agree to be bound by these terms.

1. The Service

st-ox is a personal stock portfolio tracking tool. It allows you to record holdings and cash, keep a trading journal and watchlists, view up-to-date market quotes, screen stocks, see what changed in your holdings, explore example model portfolios, gauge broad market valuation, model option strategies, and analyse your portfolio. The Service also sends you emails: a weekly summary of your portfolio (on by default for accounts created on our English pages and off by default for accounts created on our German pages; you can switch it on or off at any time in Settings), trailing-stop alerts if you switch them on, and replies to feedback you send. The Service is provided free of charge.

2. Not financial advice

st-ox is a tool for personal portfolio tracking only. Nothing in the Service — the website, the app or the emails we send — constitutes financial, investment, legal, or tax advice. All data, signals, indicators, and analysis displayed are for informational purposes only. You are solely responsible for your own investment decisions. Always consult a qualified financial adviser before making investment decisions.

3. Data accuracy

Market data, quotes, FX rates, dividends, screening results, analyst ratings, economic series, company filings and news headlines are sourced from third-party providers — including Yahoo Finance, the Frankfurter API, TradingView, Finnhub, the Federal Reserve Bank of St. Louis (FRED), SEC EDGAR, Bing News and Google News — and may be delayed, inaccurate, or unavailable. Quotes are not real-time; intraday figures in particular (for example the day-trading scans) can lag the market by roughly 15 minutes. We make no warranty regarding the accuracy, completeness, or timeliness of any data displayed in the Service or of anything the Service calculates from it (such as signals, scores, estimates and projections), and you should verify anything you intend to act on against your broker or another primary source.

4. Your account

• You must provide a valid email address when registering.
• You are responsible for maintaining the security of your password and account.
• You must not share your account with others or use the Service on behalf of another person without their consent.
• You must not use the Service for any unlawful purpose.
• You can delete your account at any time in Settings. We may suspend or close an account that seriously breaches these terms.

5. Acceptable use

You agree not to:

• Attempt to reverse-engineer, scrape, or overload the Service or its APIs, except as mandatory law permits.
• Circumvent any security or authentication measures.
• Use the Service to store or transmit malicious code.
• Resell or commercialise access to the Service without written permission.

6. Availability

We strive to keep the Service available at all times but make no guarantees of uptime. We may interrupt the Service without notice for maintenance, security or legal reasons. We will announce a permanent discontinuation by email at least 30 days in advance so that you can export your data, unless circumstances beyond our control (for example the loss of our hosting or data providers) make that impossible; in that case we will tell you as early as we can. Section 7 applies to liability.

7. Limitation of liability

We are liable without limitation for intent and gross negligence, for injury to life, body or health, and under mandatory law such as product-liability law. Because the Service is free, we are otherwise not liable, in particular for investment losses, lost profits or lost data.

8. Intellectual property

The content, design and code of the Service belong to its operator (see the Imprint), except third-party components and data, which belong to their owners — for example Chart.js, used under the MIT licence, and the market data and news described in section 3. You may not copy, reproduce or redistribute any part of the Service without written permission. This does not restrict your own data, or anything you copy or export with the Service's own functions (such as CSV export or the AI prompts).

9. Third-party services

The Service integrates with third-party data providers, content-delivery networks, and email delivery. We are not responsible for the availability, accuracy, or terms of those services. Your use of embedded widgets (e.g. TradingView charts) is subject to those providers' own terms. A full list of the third parties involved, and what each receives, is in section 5 of our Privacy Policy.

10. Changes to these terms

We may change these Terms of Use. We will tell you about material changes by email at least 30 days before they take effect. If you do not agree, you can delete your account before then (Settings → Danger zone → Delete account). Where the law requires your consent to a change, we will ask for it before the change applies to you. The "Last updated" date at the top of this page reflects the most recent revision.

11. Governing law

These terms are governed by the laws of Estonia. If you are a consumer, this does not deprive you of the protection of the mandatory law of the country where you live, and you can bring proceedings in the courts of that country as well as in Estonia.

12. Contact

For questions about these terms, contact us at [email protected].