Terms & Conditions

Note (as of September 8, 2026): Shark Finance has ceased operations and no longer sells, distributes, or bills any products or services through this website. This website no longer serves stock analysis, but exists solely to provide an overview of the tools that were previously offered. Data on the overall market, companies, and the Shark Score is no longer updated and must under no circumstances be used as a basis for investment decisions. For the sake of completeness, the Terms & Conditions dated May 2026 are nevertheless shown below, whereby points 2.1, 4, 5, 6, 7, 8, 9, 10, 18, and 23 have lost their validity due to the discontinuation of operations.

1. Service Provider

Marc Tüchler
Koßgasse 16, 8010 Graz, Austria
Email: contact@shark-finance.com

2. Scope of Service

2.1 Shark Finance provides analytical tools and data for stock analysis, including:

Shark Screener: Stock filtering tool allowing users to set custom thresholds for financial metrics (e.g., margins, growth rates, valuation ratios) to filter stocks
Stock Checker: Comprehensive company data including financial statements, price history, insider trades, analyst ratings, and management information
Market Insights: Market data for global indices, cryptocurrencies, commodities, bonds, currencies, and macroeconomic indicators
Shark Score: A proprietary mathematical framework providing a first overview of potential fundamental strengths of companies based on quantitative metrics (Growth, Margins, Valuation, Financial Stability)

All tools and data are provided for informational purposes only.
The contract language is English.

3. No Investment Advice

Shark Finance does NOT provide investment advice, recommendations, or portfolio management services.
All content, including the Shark Score and data presentations, is provided for informational purposes only and does not constitute:

A recommendation to buy, sell, or hold any security
Personalized investment advice
Financial planning or consulting services

Users are solely responsible for their own investment decisions.
Consult a qualified financial advisor before making any investment decisions.

4. Access and Pro Account

Without Registration (Free Access): Shark Finance can be used without creating an account. Unregistered users have access to a limited set of features:

Stock Checker: Analysis limited to S&P 500 companies
Shark Screener: Filtering limited to S&P 500 companies (stocks outside the S&P 500 are anonymized)
Market Insights: Data is delayed by 7 days

Pro Account: To access the full range of features, users must create a Pro account by providing a valid email address, a password, and a valid payment method. The Pro account unlocks:

Stock Checker: Analysis of 25,000 stocks across global markets
Shark Screener: Filtering across 25,000 stocks globally
Market Insights: Daily updated data

Registered users are responsible for:

Providing accurate and complete registration information
Maintaining the confidentiality of their login credentials
All activities that occur under their account

Accounts are personal and non-transferable.
We reserve the right to suspend or terminate accounts for violations of these Terms.

5. Pro Subscription

The Shark Finance Pro subscription provides full access to all features at a price of €8 per month (including VAT where applicable).

Free Trial: When creating a Pro account for the first time, users receive a 7-day free trial. A valid payment method must be provided at registration. If the subscription is not cancelled before the end of the trial period, the first payment of €8 will be charged automatically on the day following the trial period, and the subscription will continue on a monthly basis. The free trial is available once per person. Email addresses are retained to prevent repeated use of the free trial (see Section 9 for details).

Billing Cycle: The Pro subscription is billed monthly. Each billing cycle begins on the date of the first payment (or on the corresponding date of the following month).
No Minimum Term: The Pro subscription has no minimum commitment period and can be cancelled at any time.

6. Payment

All payments are processed securely through Stripe (stripe.com), a third-party payment provider.
Shark Finance does not store or have access to your full payment details (e.g., credit card numbers). All payment data is handled directly by Stripe in accordance with PCI DSS standards.
By subscribing to the Pro plan, you authorize Stripe to charge your chosen payment method on a recurring monthly basis until the subscription is cancelled.
Prices are stated in Euros (€). Depending on your location and payment method, additional fees may apply (e.g., currency conversion fees charged by your bank).
Shark Finance reserves the right to change the subscription price. Price changes will be communicated to existing subscribers at least 30 days in advance via email. Continued use of the Pro plan after the price change takes effect constitutes acceptance of the new price.

7. Cancellation and Account Deletion

How to Cancel: You can cancel your Pro subscription at any time through your Account Settings under "Manage Subscription".
Effect of Cancellation: Upon cancellation, you retain access to Pro features until the end of your current billing period. No further charges will be made.
Account Deletion: After the remaining Pro access period expires, your account and all associated personal data will be deleted automatically. You can continue to use Shark Finance without an account with the limited free access described in Section 4.
Trial Cancellation: If you cancel during the free trial period, no charges will be incurred. Your account will be deleted at the end of the trial period.
Email Retention: Your email address will be retained indefinitely after account deletion for the sole purpose of preventing repeated use of the free trial. This is based on our legitimate interest in preventing abuse (Art. 6(1)(f) GDPR). You may request deletion of your retained email address at any time by contacting contact@shark-finance.com. Please note that this may make you ineligible for a future free trial.
No Refunds: Subscription fees already paid are non-refundable. Access continues until the end of the paid billing period.

8. Right of Withdrawal (Widerrufsrecht)

Waiver of the Right of Withdrawal:

During registration, you are asked to confirm the following consent by checking a mandatory checkbox:

"I agree to the Terms & Conditions and Privacy Policy. In accordance with Article 16(m) of EU Directive 2011/83/EU, I expressly consent to immediate access to the digital content and acknowledge that I waive my 14-day right of withdrawal once access has been granted."

In accordance with Article 16(m) of EU Directive 2011/83/EU (§ 18 Abs. 1 Z 11 FAGG), your right of withdrawal expires once access to the digital content has been granted, provided that:

You have given your prior express consent to the beginning of the performance before the end of the withdrawal period;
You have acknowledged that you thereby lose your right of withdrawal; and
We have provided you with a confirmation of your consent on a durable medium (confirmation email).

By checking the consent checkbox during registration and receiving the confirmation email, all three conditions are fulfilled. Your right of withdrawal therefore expires at the moment access to Shark Finance Pro is granted.

You may still cancel your subscription at any time as described in Section 7 (Cancellation). Cancellation and withdrawal are separate rights, cancellation ends future billing but does not entitle you to a refund of past payments.

Statutory Withdrawal Information (Widerrufsbelehrung):

The following withdrawal information is provided in accordance with the legal requirements of EU Directive 2011/83/EU and the Austrian Fern- und Auswärtsgeschäfte-Gesetz (FAGG). Due to the waiver described above, this information will typically not apply. However, should the waiver not take effect for any reason, the following applies:

You have the right to withdraw from this contract within 14 days without giving any reason. The withdrawal period expires 14 days after the day of the conclusion of the contract.

To exercise the right of withdrawal, you must inform us of your decision to withdraw from the contract by an unequivocal statement (e.g., an email sent to contact@shark-finance.com). You may use the model withdrawal form in Section 9, but it is not obligatory.

To meet the withdrawal deadline, it is sufficient for you to send your communication concerning the exercise of the right of withdrawal before the withdrawal period has expired.

Effects of Withdrawal: If you withdraw from this contract, we shall reimburse all payments received from you without undue delay and in any event not later than 14 days from the day on which we are informed of your decision to withdraw. We will carry out such reimbursement using the same means of payment as you used for the initial transaction, unless you have expressly agreed otherwise; in any event, you will not incur any fees as a result of such reimbursement.

9. Model Withdrawal Form

(Complete and return this form only if you wish to withdraw from the contract)

To: Marc Tüchler, Koßgasse 16, 8010 Graz, Austria
Email: contact@shark-finance.com

I hereby give notice that I withdraw from my contract for the provision of the following service:

Service: Shark Finance Pro Subscription
Ordered on: _______________
Name of consumer: _______________
Address of consumer: _______________
Email address: _______________

Date: _______________

10. Data Retention After Account Deletion

Upon account deletion (see Section 7), the following data handling applies:

Deleted: Account information, usage data, and all personal data associated with the account
Retained: Email address only, stored in hashed form, for the purpose of preventing repeated free trial usage

The retention of the hashed email address is based on our legitimate interest in preventing abuse of the free trial offer (Art. 6(1)(f) GDPR). You may request deletion of this data at any time by contacting contact@shark-finance.com.
For full details on data processing, please refer to our Privacy Policy.

11. Third-Party Data Sources

Shark Finance aggregates and processes data from the following third-party providers:

Leeway.tech: Financial statements, market capitalization, price data, and company fundamentals
FRED API (Federal Reserve Economic Data): Macroeconomic indicators and economic time series data

Data Accuracy: While we strive for accuracy, we cannot guarantee the correctness, completeness, or timeliness of third-party data.
No Warranty: Data is provided "as-is" without any express or implied warranties.
Users should independently verify critical information before making investment decisions.

12. Shark Score Methodology

The Shark Score is a proprietary quantitative framework developed by Marc Tüchler.
The Shark Score serves to provide a first overview of potential fundamental strengths of companies and does not:

Constitute investment advice or recommendations
Account for market sentiment, technical analysis, or qualitative factors
Predict future stock price movements
Guarantee investment performance

It evaluates companies based solely on historical fundamental data across four dimensions: Growth, Margins, Valuation, and Financial Stability.
Full methodology disclosure is available at: Shark Score Methodology
Limitations: The Shark Score has known limitations (see Limitations section on methodology page).

13. Limitation of Liability

Shark Finance and Marc Tüchler assume NO LIABILITY for:

Investment losses or financial damages resulting from the use of our Service
Inaccurate, incomplete, outdated, or incorrect data from third-party sources (Leeway.tech, FRED API)
Technical errors, system failures, or Service interruptions
Decisions made based on information, tools, or data provided on this platform
Losses resulting from reliance on the Shark Score or any other analytical framework

Maximum Liability: To the fullest extent permitted by applicable law, the total liability of Shark Finance for any claims arising from or related to the Service shall not exceed the amount paid by the user in the three (3) months preceding the claim.
Investment Risk: All investments carry risk. Past performance does not guarantee future results.
User Responsibility: Users acknowledge that they use this Service entirely at their own risk.

14. User Responsibilities

Users agree to:

Use the Service only for lawful purposes and in accordance with these Terms
Not misuse, abuse, or attempt to disrupt the Service
Not scrape, download, or systematically extract data for commercial purposes
Not reverse-engineer or copy the Shark Score methodology or proprietary algorithms
Not share, transfer, or allow others to use their account credentials
Not create multiple accounts to circumvent free trial limitations
Conduct independent research and due diligence before making investment decisions

Prohibited Activities: Automated data extraction (scraping), distribution of data to third parties, and commercial resale of data are strictly prohibited.

15. Intellectual Property

All content, including but not limited to:

The Shark Score methodology and scoring algorithms
Website design, layout, and user interface
Tool functionality and data presentation
Text, graphics, logos, and branding

License: Users are granted a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes only.
No Reproduction: Users may not copy, reproduce, distribute, or create derivative works without explicit written permission.

16. Service Availability

"As-Is" Service: Shark Finance is provided "as-is" and "as available" without any guarantees of uptime or availability.
No Warranty: We do not warrant that the Service will be uninterrupted, error-free, or secure.
Maintenance: We reserve the right to suspend or discontinue the Service at any time for maintenance, updates, or other reasons.
No Obligation: We are under no obligation to maintain or continue offering the Service.

17. Modifications to Service and Terms

Shark Finance reserves the right to:

Modify, suspend, or discontinue any aspect of the Service at any time
Update these Terms & Conditions
Change features or data sources

Notification: Material changes to these Terms will be communicated to registered users via email at least 14 days in advance. Updated Terms will also be posted on this page.
Acceptance: Continued use of the Service after the effective date of changes constitutes acceptance of the updated Terms. If you do not agree to the changes, you may cancel your subscription before the changes take effect.

18. Termination

User Termination: Users may cancel their subscription and stop using the Service at any time as described in Section 7.
Our Rights: We reserve the right to restrict, suspend, or terminate access to the Service for any user at our sole discretion, including for:

Violation of these Terms
Abusive or malicious behavior
Systematic data extraction or scraping
Creating multiple accounts to abuse the free trial
Any activity that disrupts or harms the Service

Effect of Termination: Upon termination by us, all rights granted to the user under these Terms immediately cease. If a Pro subscription is terminated by us without cause, the user is entitled to a pro-rata refund for the remaining days of the current billing period.

19. Applicable Law and Jurisdiction

Governing Law: These Terms & Conditions are governed by the laws of Austria, without regard to conflict of law principles.
Consumer Rights: If you are a consumer within the European Union, you also benefit from any mandatory provisions of the law of your country of residence. Nothing in these Terms affects your rights as a consumer under applicable EU or national law.
Jurisdiction: Any disputes arising from these Terms or the use of the Service shall be subject to the exclusive jurisdiction of the courts in Graz, Austria. For consumers within the EU, this does not affect the right to bring proceedings in the courts of the consumer's place of residence.
EU Compliance: Where applicable, EU regulations (including GDPR, EU Consumer Rights Directive, Market Abuse Regulation) take precedence.
Online Dispute Resolution: The European Commission provides an Online Dispute Resolution (ODR) platform: https://ec.europa.eu/consumers/odr. We are neither obligated nor willing to participate in dispute resolution proceedings before a consumer arbitration board.

20. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
Invalid provisions shall be replaced with valid provisions that most closely approximate the intent of the original provision.

21. Contact

For questions about these Terms & Conditions, please contact:
Email: contact@shark-finance.com
Address: Koßgasse 16, 8010 Graz, Austria

22. Acceptance of Terms

By accessing or using Shark Finance, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions. By creating a Pro account, you additionally agree to the subscription and payment terms described herein.
If you do not agree to these Terms, you must not create an account or continue using the Service.

23. Shark Challenge

The Shark Challenge is a recurring event on Shark Finance in which participants build a portfolio using virtual capital and attempt to outperform a benchmark portfolio derived from the Shark Score.

23.1 Participation

Participation in the Shark Challenge is open to all individuals. Registration with a valid email address and a self-chosen nickname is required. An existing Shark Finance Pro subscription is not required.
Only one participation per email address is permitted. The use of multiple email addresses by the same person for repeated participation is prohibited and may result in disqualification from the Challenge.
All participants receive free access to Shark Finance Pro for the duration of the Challenge. This access ends automatically upon expiration of the Challenge period, unless the participant holds an existing Pro subscription.

23.2 Virtual Capital and Trading

Each participant receives virtual starting capital (e.g., €100,000). This is expressly not real money. No real securities transactions are executed. The Shark Challenge does not constitute investment advice, portfolio management, or a solicitation to buy or sell securities.
Long and short positions as well as leverage are permitted. The maximum leverage is 1:100 and may be adjusted by Shark Finance for each Challenge round. Shark Finance reserves the right to change the maximum leverage at any time.

23.3 Benchmark and Evaluation

The benchmark portfolio is determined and published by Shark Finance prior to the start of each Challenge round. Its composition is based on the Shark Score as of the respective reference date. The performance of all participants is measured in percentage terms and compared against the performance of the benchmark portfolio.

23.4 Leaderboard and Nickname

The results of the Shark Challenge are displayed on a public leaderboard. The leaderboard shows the participant's nickname, overall performance, and the best-performing stock in each participant's portfolio. No email addresses or other personal data are displayed.
Nicknames must not be discriminatory, offensive, misleading, or otherwise objectionable. Shark Finance reserves the right to change nicknames at any time and without prior notice if they violate this policy or are likely to confuse or deceive other participants or third parties (e.g., by imitating official Shark Finance designations or other users).

23.5 Reward

Participants who outperform the benchmark portfolio receive a free Shark Finance Pro membership as a reward. The duration and scope of the reward are announced prior to the start of each Challenge round.
There is no legal entitlement to a reward. Shark Finance reserves the right to exclude participants from the reward who have violated these Terms or the Challenge rules.
The reward is non-transferable and cannot be redeemed for cash.

23.6 Not Gambling

The Shark Challenge is a skill-based competition using simulated markets. Participation is free and requires no monetary stake. It does not constitute gambling within the meaning of the Austrian Gambling Act (Glücksspielgesetz, GSpG).

23.7 Modifications and Cancellation

Shark Finance reserves the right to modify the rules, timeframe, rewards, or other conditions of the Shark Challenge at any time, or to cancel a Challenge round entirely. Participants will be notified of material changes in a timely manner. No claims for compensation shall arise from a cancellation or modification.

23.8 Limitation of Liability

The Shark Challenge is provided solely for informational and entertainment purposes. Shark Finance assumes no liability for decisions that participants make in real securities trading based on their Challenge experience. Section 13 (Limitation of Liability) applies in addition.