Terms of Service

1. Acceptance of Terms

By accessing or using StonkWhisper (the “Service”), operated by Guerilla Finance Inc., you agree to be bound by these Terms of Service (“Terms”). These Terms constitute a legally binding agreement. If you do not agree, do not use the Service.

2. Description of Service

StonkWhisper is a financial sentiment and market intelligence platform. It aggregates data from public social media, news sources, government STOCK Act filings, SEC EDGAR, and proprietary analytical models to generate sentiment indicators, trending signals, and market intelligence for publicly traded securities. The Service is free to individual human visitors.

3. Not Financial Advice

All data, scores, sentiment indices, and analysis provided by StonkWhisper are for informational and educational purposes only. Nothing on this platform constitutes a recommendation to buy, sell, or hold any security. Guerilla Finance Inc. is not a registered investment adviser, broker-dealer, or financial planner. Always consult qualified professionals before making investment decisions.

4. No Client Relationship

Your use of the Service does not create any advisory, fiduciary, broker, dealer, or client relationship between you and Guerilla Finance Inc. We do not act as your financial adviser or in any fiduciary capacity. We owe you no fiduciary duty, duty of loyalty, or duty of care in connection with your use of the Service or any investment or trading decisions you make. The Service is a data and analytics tool — the decision to act on any information is yours alone.

5. Market Risk Acknowledgment

By using the Service, you explicitly acknowledge and agree that:

• Investing in securities involves substantial risk of loss, including the potential loss of your entire investment;
• Financial markets are inherently volatile and unpredictable; past performance is not indicative of future results;
• Congressional STOCK Act disclosures are subject to statutory reporting delays of up to 45 days and do not reflect real-time positions;
• SEC Form 4 insider transaction filings are subject to reporting delays and may not be immediately reflected in the Service;
• Sentiment scores, signals, and analytical outputs are algorithmic and may be inaccurate, delayed, or incomplete;
• No data, score, signal, or analysis on this platform predicts or guarantees future stock prices or market performance;
• You are solely responsible for independently evaluating the risks of any investment or trading decision.

6. User Responsibilities

You are solely responsible for:

• All investment and trading decisions you make, regardless of any information obtained from the Service;
• Conducting your own independent research and due diligence before making any investment decision;
• Understanding the risks associated with securities investing, including the risk of total loss;
• Compliance with all applicable laws, regulations, and rules governing your trading and investing activities, including securities laws and tax obligations;
• Ensuring that your use of the Service complies with these Terms at all times.

7. Eligibility

You must be at least 18 years old to use the Service. We reserve the right to restrict access to any visitor, IP address, or network that violates these Terms.

8. Intellectual Property

The Service — including the Whisper Index methodology, scoring algorithms, data pipelines, codebase, visual design, and all associated branding — is the exclusive property of Guerilla Finance Inc. and is protected by U.S. and international copyright, trademark, and trade secret law.

The Whisper Index methodology and all scoring algorithms are proprietary trade secrets and confidential business information. You acknowledge this status. Your access to the Service grants you a limited, personal, non-commercial, non-transferable, revocable license to view information through standard browser interactions only. No other rights are granted.

9. Automated Access and Data Harvesting Prohibition

You may not, directly or through any third party, tool, or service:

• Use bots, spiders, crawlers, scrapers, or any automated means to access, download, or extract data from any part of the Service;
• Use headless browsers or browser automation frameworks (including Playwright, Puppeteer, Selenium, Scrapy, or equivalents) to interact with or harvest from the Service;
• Programmatically query API endpoints, websockets, or data feeds at a rate or volume exceeding normal human browsing, or in a pattern consistent with data harvesting;
• Cache, store, or systematically accumulate data from the Service beyond what a standard browser retains during normal use;
• Use data obtained from StonkWhisper to train, fine-tune, benchmark, or evaluate AI or machine learning models without a written commercial license from Guerilla Finance Inc.;
• Sell, sublicense, redistribute, republish, or commercialize any data, scores, or intelligence obtained from the Service in any form;
• Build any product, service, database, or dataset — including competitive offerings — using data obtained from the Service;
• Reverse-engineer, decompile, or otherwise attempt to derive the Whisper Index methodology, scoring algorithms, or data sources;
• Circumvent, disable, or otherwise evade rate limiting, IP blocks, or any other access controls, including through IP rotation, proxy networks, or residential proxies;
• Place unreasonable or disproportionate load on our servers, APIs, or infrastructure.

Legal Consequences

Unauthorized automated access constitutes unauthorized access to a protected computer under the Computer Fraud and Abuse Act (18 U.S.C. § 1030). Bulk data harvesting may constitute misappropriation of trade secrets under the Defend Trade Secrets Act (18 U.S.C. § 1836). Circumventing technical access controls may additionally violate the Digital Millennium Copyright Act (17 U.S.C. § 1201).

Guerilla Finance Inc. actively monitors access patterns, request rates, TLS fingerprints, and behavioral signals. We will: (a) immediately and permanently block offending IP addresses, autonomous system numbers (ASNs), and user agents without notice; (b) pursue civil remedies including injunctive relief, actual damages, disgorgement of profits, and attorneys' fees; and (c) refer criminal violations to the FBI and other federal law enforcement agencies.

Technical Enforcement

We employ rate limiting, IP blocking, TLS fingerprinting, behavioral analysis, and honeypot detection. These controls operate at the infrastructure level and cannot be appealed. Attempting to circumvent a block constitutes a separate and independent violation of these Terms and applicable law. We log all access attempts and retain this data for use in legal proceedings.

10. Acceptable Use

You further agree not to:

• Use information from the Service to engage in market manipulation, coordinated trading, pump-and-dump schemes, or any activity that violates securities laws;
• Attempt to gain unauthorized access to backend systems, non-public endpoints, or other users' data;
• Introduce malicious code, vulnerabilities, or denial-of-service attacks targeting the Service;
• Use the Service for any unlawful purpose or in a manner that violates any applicable law or regulation.

11. Data Sources and Accuracy

StonkWhisper aggregates data from public sources including social media platforms, news outlets, and government STOCK Act filings. We do not guarantee the completeness, reliability, or timeliness of any data. Sentiment scores are algorithmic outputs — not human editorial analysis — and may contain errors, omissions, or significant delays. Data from third-party sources may be unavailable, delayed, or incorrect due to circumstances beyond our control.

12. Third-Party Services

The Service integrates data from third-party providers including SEC EDGAR, social media platforms, news aggregators, market data vendors, and other public sources. Guerilla Finance Inc. is not responsible for:

• Third-party service outages, disruptions, or API failures;
• Incorrect, incomplete, delayed, or unavailable data from third-party sources;
• Changes to third-party data availability, format, or coverage;
• The accuracy of underlying source data from SEC filings, public disclosures, or social platforms.

Your use of data obtained through the Service may also be subject to those third-party providers' terms of service.

13. AI-Assisted Content

Some content on StonkWhisper may be generated or augmented with AI tools. AI-generated content does not constitute investment advice and may contain inaccuracies, errors, or omissions. Always verify information independently before acting on it.

14. Force Majeure

Guerilla Finance Inc. shall not be liable for any failure or delay in performance arising from causes beyond its reasonable control, including without limitation: acts of God, natural disasters, pandemic or epidemic, war, terrorism, government action or regulation, power failures, internet or telecommunications outages, third-party service failures, cyberattacks, or financial market disruptions. During such events, we may suspend or restrict the Service without notice or liability.

15. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, OR RELIABILITY. WE DO NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) ANY DATA, SCORES, SIGNALS, OR ANALYTICS ARE ACCURATE, COMPLETE, OR CURRENT; (C) THIRD-PARTY DATA SOURCES WILL BE AVAILABLE OR ACCURATE; (D) DEFECTS WILL BE CORRECTED; OR (E) THE SERVICE IS FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE SERVICE IS ENTIRELY AT YOUR OWN RISK.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GUERILLA FINANCE INC. AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO: TRADING LOSSES, INVESTMENT LOSSES, LOST PROFITS OR REVENUE, LOSS OF CAPITAL, LOSS OF DATA, LOSS OF GOODWILL, LOST BUSINESS OPPORTUNITIES, DAMAGES ARISING FROM RELIANCE ON PLATFORM DATA OR ANALYTICS, DAMAGES FROM INVESTMENT OR TRADING DECISIONS, PLATFORM OUTAGES OR DOWNTIME, DELAYED OR INACCURATE INFORMATION, THIRD-PARTY SERVICE FAILURES, OR UNAUTHORIZED ACCESS TO YOUR DATA. THIS EXCLUSION APPLIES WHETHER THE CLAIM IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS SHALL NOT EXCEED FIFTY U.S. DOLLARS ($50.00).

17. Indemnification

You agree to indemnify, defend, and hold harmless Guerilla Finance Inc. and its owners, officers, employees, contractors, and agents from and against any and all claims, liabilities, damages, judgments, losses, costs, and expenses (including reasonable attorneys' fees) arising from or relating to: (a) your violation of these Terms; (b) your misuse of the Service; (c) any investment or trading decisions you make based on information obtained from the Service; (d) your violation of any applicable law or regulation; or (e) your infringement of any third-party rights.

18. Termination

We may restrict, suspend, or permanently terminate your access to the Service at any time, for any reason, without notice and without liability — including for violation of these Terms, suspicious access patterns, or any other conduct we deem harmful. Termination does not waive our right to pursue legal remedies for past violations.

19. Geographic Restrictions

The Service is operated from the United States and is intended primarily for U.S. audiences. We make no representation that the Service or its content is appropriate or available in any particular jurisdiction outside the United States. If you access the Service from outside the United States, you do so on your own initiative and are solely responsible for compliance with applicable local laws, regulations, and rules regarding financial data services, investment information, and related activities. We reserve the right to restrict access from any jurisdiction at any time without notice.

20. Arbitration and Dispute Resolution

Binding Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service shall be resolved exclusively through binding individual arbitration administered under the rules of the American Arbitration Association (AAA), rather than in court, except: (a) you may assert claims in small claims court if your claims qualify; and (b) either party may seek emergency injunctive relief in court to protect intellectual property rights or prevent irreparable harm, pending arbitration.

Class Action Waiver. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU WAIVE YOUR RIGHT TO PARTICIPATE IN ANY CLASS ACTION LAWSUIT, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING AGAINST GUERILLA FINANCE INC. ALL CLAIMS MUST BE BROUGHT ON AN INDIVIDUAL BASIS ONLY.

Any arbitration shall be conducted in Fulton County, Georgia, or remotely by mutual agreement, under the substantive laws of the State of Georgia without regard to conflict of law provisions. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Time Limit. Any claim must be brought within one (1) year of the date the cause of action arose, or it is forever barred. You agree to first contact us at legal@stonkwhisper.com and allow 30 days to attempt informal resolution before initiating arbitration.

21. Modifications to the Service

Guerilla Finance Inc. reserves the right to: (a) modify, update, add, or remove features or functionality of the Service at any time; (b) discontinue the Service or any portion thereof, temporarily or permanently; (c) change data sources, refresh rates, or data coverage without notice; and (d) impose limits on certain features or restrict access to all or part of the Service. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

22. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision shall not be deemed a waiver of such right or provision.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Guerilla Finance Inc. regarding the Service and supersede all prior agreements, representations, and understandings relating to the Service.

23. Changes to Terms

We may modify these Terms at any time. Continued use of the Service after a change constitutes acceptance of the updated Terms. Material changes will be reflected in an updated effective date on this page.

24. Contact

Legal inquiries: legal@stonkwhisper.com