Terms & Conditions
Shark Finance - Pre-Launch Version
1. Service Provider
- Marc Tüchler
Koßgasse 16, 8010 Graz, Austria
Email: contact@shark-finance.com
2. Scope of Service
- 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 and educational purposes only.
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. Third-Party Data Sources
- Shark Finance aggregates and processes data exclusively 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.
5. 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).
6. 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
- 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.
7. 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
- 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.
8. 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.
9. 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.
10. 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 without prior notice
- Change pricing, features, or data sources
- Notification: Material changes will be posted on this page. Continued use of the Service after changes constitutes acceptance.
- Effective Date: Changes become effective immediately upon posting unless otherwise stated.
11. User Account (Future)
- Shark Finance currently has no user registration.
- When user accounts become available:
- Users will be responsible for maintaining account security
- Users must provide accurate registration information
- Accounts are personal and non-transferable
- We reserve the right to suspend or terminate accounts for Terms violations
- These Terms will be updated accordingly before user registration is enabled.
12. Pro Subscription (Future)
- Shark Finance may offer Pro subscriptions in the future.
- Pro features, pricing, and payment terms will be clearly disclosed at the time of launch.
- Refund Policy: To be determined upon Pro launch.
- Subscription terms will be added to these Terms & Conditions before Pro launch.
13. Termination
- User Termination: Users may stop using the Service at any time.
- 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
- Any activity that disrupts or harms the Service
- Effect of Termination: Upon termination, all rights granted to the user under these Terms immediately cease.
14. Applicable Law and Jurisdiction
- Governing Law: These Terms & Conditions are governed by the laws of Austria, without regard to conflict of law principles.
- 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.
- EU Compliance: Where applicable, EU regulations (including GDPR, Market Abuse Regulation) take precedence.
15. 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.
16. Contact
- For questions about these Terms & Conditions, please contact:
- Email: contact@shark-finance.com
- Address: Koßgasse 16, 8010 Graz, Austria
17. 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.
- If you do not agree to these Terms, you must immediately cease using the Service.