Terms and conditions

Scope

DecodeStocks is offered exclusively to consumers within the meaning of § 13 of the German Civil Code (BGB) and is intended for private use only. No contracts are concluded with traders within the meaning of § 14 BGB.

The paid offer is not directed at persons resident in the United States or Canada. We do not accept payments with cards issued in those countries.

The provider of the services and your contracting party for the use of DecodeStocks is DecodeStocks UG (haftungsbeschränkt), Sommerstraße 11/1, 72227 Egenhausen, Germany, phone +49 1520 4156714, e-mail contact@decodestocks.com. The version of these terms published at the time the contract is concluded applies.

Deviating terms are not recognised unless we have expressly agreed to them.

What the service covers

DecodeStocks provides, through a website, general financial and company information on a selection of listed companies as well as rule-based and AI-assisted analyses.

The offering does not cover all stocks, companies or trading venues. The availability and historical depth of the data can differ by company, type of data and period. Where the data basis is insufficient, individual metrics, scores or analyses are not available. Price, company and financial data are obtained from external sources. Certain metrics, analyses and scores are calculated by DecodeStocks on the basis of this data. Market data is not provided in real time.

Part of the functionality is available without registration. Premium comprises the services described in the feature comparison on our pricing page, within the data coverage and usage limits set out in this section. The version provided at the time the contract is concluded is decisive. You receive the service description that applies to your contract with the contract confirmation.

With Premium you can create up to 100 watchlists and up to 100 portfolios per user account. A watchlist holds up to 500 entries, all watchlists together up to 1,000. A portfolio holds up to 500 positions, all portfolios together up to 1,000.

To use the service you need an internet connection and an up-to-date web browser with JavaScript enabled. The two most recent major versions of Chrome, Firefox, Safari and Edge are supported, including Safari on iPhone and iPad and Chrome on Android.

The price, metric and financial data provided via DecodeStocks is intended for your own private use. Systematic or automated extraction of the data, in particular by scraping, as well as its passing on, publication, sublicensing or commercial exploitation as a dataset, data feed, API or comparable data offering is not permitted. Source and rights notices must not be removed, altered or obscured.

DecodeStocks provides neither investment advice nor investment brokerage. The content is not a recommendation to buy, sell or hold any financial instrument and does not take your personal circumstances into account. Investment decisions are yours alone.

We aim for high availability but do not owe uninterrupted availability. Maintenance work and outages at data suppliers can cause temporary restrictions. Your statutory rights where the service is not provided in conformity with the contract remain unaffected.

Ordering process, conclusion of the contract and contract text

You choose the Premium subscription you want on our pricing page, monthly or yearly. If you are not signed in yet, you then enter the details required for registration. If you already have an account, you sign in before ordering. After that you reach the order summary and the embedded payment form.

If you are already signed in and have no active subscription, you can also start the order from elsewhere, for example from the footer or under “Subscription” in your settings. In that case a plan is preselected at first. You can change it in the order summary via “Change plan”.

In the embedded payment form you enter your payment and billing details and confirm there, by ticking a box, that you agree to these terms. Next to the payment form, or above it on smaller screens, you see an order summary showing the plan, the term and the scope of the service.

Until you submit the order you can correct your entries at any time: payment and billing details directly in the payment form, and the plan via “Change plan” in the order summary. If you want to use a different e-mail address during registration, you can start the registration again via “Register with a different e-mail address”. You can also abandon the ordering process at any time by leaving the page.

The presentation of the plans on our website does not yet constitute a binding offer. By clicking the final button in the payment form, you submit a binding offer to conclude the selected subscription. We accept this offer by activating Premium for your account. This usually happens immediately after successful payment. Together with the activation we send you the contract confirmation by e-mail.

The contract can be concluded in German or in English. The language in which you complete the order is decisive.

We store the contract documents that apply to your contract. With the contract confirmation you receive by e-mail your contract details, the service description that applies to your contract, these terms and the withdrawal instruction with the model withdrawal form. You can save and print the e-mail. You can access, save and print the current version of these terms on our website (/terms) at any time.

Prices and payment

The prices stated on our website are total prices in euro including statutory VAT. We charge no further costs.

The Premium subscription is billed either monthly or yearly. The applicable price, the billing period and the amount due today are shown to you before you place your order.

Payment is due in advance for the respective billing period and is collected automatically at its start for as long as the contract runs.

Any increase in the subscription price agreed for your existing contract requires your express consent. Changes to the prices for newly concluded contracts remain unaffected by this.

Payment processing

Payments are processed through Stripe Managed Payments. In doing so, Sold through Link, LLC takes on the role of merchant of record on behalf of DecodeStocks.

For the payment and buyer services provided by Stripe or Link, the terms provided during checkout apply in addition. Your statutory rights against DecodeStocks remain unaffected.

If Link offers payment in a currency other than euro during checkout and you pay in that currency, the conversion is carried out under the conversion terms shown there, including any conversion fee contained in the exchange rate. For subscriptions, each recurring payment is converted anew from the underlying euro price. The amount in the payment currency you chose can therefore fluctuate as exchange rates change.

Term and cancellation

Monthly subscription. The contract period is one month. There is no minimum term beyond the current month. Billing is monthly in advance. A cancellation takes effect at the end of the current month you have already paid for.

Yearly subscription. The yearly subscription has an initial minimum term of one year. You can cancel it at any time with effect from the end of this minimum term. If it is not cancelled, it then continues for an indefinite period and can be cancelled at any time with no more than one month’s notice. Billing remains yearly in advance.

Refund after the minimum term. If the yearly subscription ends after the initial minimum term has elapsed and before the end of a yearly billing period already paid for, we refund the amount attributable to the time after the contract ends pro rata.

How to cancel. You can cancel at any time using the cancellation button on the “Cancel your contract here” page (/cancel-subscription). No sign-in is required.

An unambiguous statement to contact@decodestocks.com is equally sufficient. The right to terminate for cause remains unaffected.

Right of withdrawal

Consumers have a statutory right to withdraw within fourteen days of concluding the contract.

The details, the consequences of withdrawal and the model withdrawal form are set out in our withdrawal instruction (/withdrawal-policy).

You can declare the withdrawal without signing in, using the withdrawal function (/withdrawal). An informal unambiguous statement to contact@decodestocks.com is equally sufficient.

If your order was processed through Sold through Link, LLC, the Link support channel shown during checkout and on the payment receipt is additionally available to you.

Statutory rights in case of defects

For the provision of our digital content and services, the statutory rights apply where they are not provided or not provided in conformity with the contract.

Updates and changes

We provide the updates that are necessary to keep DecodeStocks usable in conformity with the contract and secure. Because DecodeStocks is used in the browser, updates become available to you automatically, without you having to install anything.

Beyond that, we may adapt the technical implementation and presentation of DecodeStocks where this is necessary to adapt to changed technical conditions, in particular changed browser functions or technical interfaces, or to a growing number of users.

This does not restrict the agreed scope of functions, your means of access or the usability. Such changes do not cause you any additional costs. We inform you clearly and comprehensibly about these changes. Your statutory rights remain unaffected.

Liability

We are liable without limitation for damage arising from injury to life, body or health, for intent and gross negligence, and under the German Product Liability Act.

For the slightly negligent breach of a material contractual obligation — an obligation whose fulfilment makes the proper performance of the contract possible in the first place and on whose observance you may regularly rely — our liability is limited to the foreseeable damage typical for this type of contract.

Liability is otherwise excluded.