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Terms & Conditions

1. Introductory

1.1. The Operator

The owner and operator of the Platform is the company RubiCap d.o.o, Beričevo 28, 1262 Dol pri Ljubljani, tax number: 63053527 (hereinafter referred to as the “Platform Operator“, “Operator of the Platform“ and/or “Operator“).


You can contact the Platform Operator at any time at: info@stocktraderapp.com.

1.2. Existing contract

These General Terms and Conditions constitute a valid contract concluded between the Operator of the Platform and the User. The use of any Service on the Platform is subject to acceptance of these Terms and Conditions in their entirety. If the User agrees to the General Terms and Conditions only in part, the User may not use the Platform.


We urge you to read these terms and conditions carefully before agreeing to them. By accepting these terms and conditions, the User warrants that he/she has read and fully understood these terms and conditions.


A valid contract shall be deemed to have been concluded at the moment when the User confirms his/her acceptance of the General Terms and Conditions during the purchase process.

2. Definitions

This section sets out the definitions used within the Platform.


Platform means application and software owned and operated by the Operator in accordance with this Terms and Conditions.


User means a natural or legal person that's registered on the platform.


Basic Subscription means subscription fee paid by the User that enables User access to the platform.


Addition Subscription means subscription fee paid by the User that enables User access to additional functions of the Platform.

Stock means a security listed on the stock market and referred to or appearing on the Platform.


Position represents the status of a particular share in which the User is interested. The User can close and open Positions within the Platform. A Position does not represent actual trading on the stock market.


Signal is information about a decision regarding a particular Share, made by the Platform Operator or one of the Users and published on the Platform.


The Portfolio Value is the value of each portfolio held by the User or the Right Holder, where the Portfolio Value does not reflect the actual value of the investments, but is merely a theoretical calculation that would be reflected if certain Positions or Signals were executed when investing on the stock market.

3. Platform

The Platform is intended for the exchange of knowledge and experience in the field of investing on the stock market. This Platform is not intended for the purpose of making investments, nor is the information available on the Platform financial advice, but merely the experience shared by the Platform Operator or its Users.

3.1. Use of the Platform

Use of the Platform is restricted to individuals who are of legal age. The age of majority of an individual is determined by the country of origin of the individual. In no event may individuals under the age of 18 use the Platform. If you use the Platform, you declare, under criminal and civil liability, that you are over 18 years of age and that you have reached the age of majority in your own country.
In the event that the Platform Operator discovers that any User is under 18 years of age, the Platform Operator reserves the right to immediately close such account in the manner set out in clause 3.8 of these General Terms and Conditions. The same shall apply to Users who are not of legal age.

This Platform is for educational purposes only and does not provide financial, legal, tax or any other advice on investing, stock markets or similar topics discussed on the Platform. It is the responsibility of each User to ensure that the information provided to them on the Platform is carefully considered and verified. The User expressly agrees that he/she shall not rely on the information on the Platform as the main or sole source of information or as a basis for his/her decision to invest his/her own funds. Before making an investment decision, the user is obliged to consider all the options and to ensure that he/she has sufficient knowledge to make an informed decision. If the User does not have such knowledge, the User is obliged to consult an expert before making an investment decision. The Platform Operator shall not be liable for any consequences or damages (whether direct, indirect or incidental) that the User may suffer as a result of the decisions made on the basis of the information received on the Platform.

3.2. Investment data

The Platform Operator on the Platform provides information on specific shares and also allows you to view projections for a particular share. This information is provided for informational purposes and is not intended to encourage the User to invest or to influence the User's investment. The Platform and its content is intended for learning purposes and is primarily used as a leisure tool. The Platform is not an investment platform and does not encourage Users to invest, but rather offers a place for learning, leisure time for individuals who are interested in the topics discussed. The User acknowledges that this is general information only and is not in any way tailored to the User's situation. It is the User's responsibility to ensure that he/she has the appropriate level of knowledge or to seek the assistance of an expert who can advise him/her on how to apply the general information to his/her financial situation. The Operator of the Platform expressly does not provide such advice and makes no guarantee or warranty that the information available on the Platform will be effective for the individual or will produce results for the individual.
The platform Operator expressly points out that any past returns that have been recorded on a particular share are not indicative of future returns. Past returns do not constitute a guarantee or warranty of future returns as it is not possible to take into account all information or influences that may affect future returns. Future returns may be significantly lower than past returns. The Platform Operator does not guarantee that any investment made by the User on the basis of the information available on the Platform will achieve any results or that the individual will not suffer any damage. The User expressly acknowledges that investing is risky and that, by following the information on the Platform, he/she may lose the value of the investment or his/her entire investment.


The projections available on the Platform are theoretical models and illustrations that incorporate information provided by third parties, including market quotes and index information. The Operator of the Platform believes, but does not warrant, the accuracy, adequacy or usefulness of the information provided by third parties. Such projections and displays have limited effectiveness as they do not represent actual trading but simulate trading. Such simulations may lead to over- or under-valuation of certain market factors. The Platform Operator makes no representation or warranty that the projections and displays on the Platform are adequate, correct, complete and/or effective. The Platform Operator does not warrant that the actual situation will at any time reflect the projections, simulations or other representations made available on the Platform.
The Platform Operater and/or any of the member on te Platform are not financial advisors, stockbrokers or registered investment providers and does not provide any financial, investment and/or similar services. They do not recommend certain stocks, funds or any other financial instruments. If any shares, funds or other types of financial instruments are mentioned on the Platform, they are mentioned for illustrative or educational purposes only. Before making any investment decisions, consult a licensed advisor.


Information on the Platform does not constitute financial or other professional advice. Nothing in this Terms and Conditions and usage of the Platform shall be construed as financial advice. The Operator limits its liability as defined within this Terms and Conditions.

3.3. User account

In order to use the Platform, it is mandatory to create a User Account as defined in this section of the General Terms and Conditions.

3.3.1. Registration

The User shall create his/her User Account by registering on the Platform Operator's website. During the registration process, the User creates a username and password. For a successful registration, the User is obliged to provide certain personal data, namely: his/her email address and payment information.


The User creates the username and is free to choose the username. In order to protect the dignity of other Users of the Platform, the User is obliged to refrain from the following:

  • Use of names that are discriminatory in any way, including but not limited to: race, gender, age, sexual orientation, disability and other characteristics;
  • The use of names that imply pornographic or erotic content;
  • Use of names that may cause confusion as to the identity of the User (e.g., use of names of famous, well-known persons);
  • Use of names that suggest violence or promote violence in any form;
  • Use of names that are derisive, discrediting or otherwise offensive.

The Operator of the Platform reserves the right to warn the User, whose chosen username meets any of the above conditions, to change the username and to set a deadline for the User to change the username. If the User does not change the User's name within the specified time limit, the Platform Operator shall have the right to freeze or terminate the User's account in accordance with clause 3.8 of these General Terms and Conditions.

Users set their own password when registering. The password must contain certain characters and be of a length defined during the registration process.

The User wishing to use the Platform is obliged to register for a User Account and expressly confirms that he/she has provided true and correct information at the time of registration, including confirmation that the minimum age requirement is met. The User expressly agrees that he/she is solely responsible for maintaining the confidentiality and security of his/her username and password and is liable for any acts and/or omissions that occur during the use or activity of the User Account. The User Account shall be deemed to be active until it is deleted by the Platform Operator at the User's request or due to the fulfilment of the conditions for deletion under these General Terms and Conditions. The User is obliged to immediately notify the Platform Operator of any unauthorised use of the User's account, username or password.


The Platform Operator shall not be liable for any damage, whether direct, indirect, incidental or consequential, which the User may suffer as a result of unauthorised access to, consultation of or interference with his/her User Account, whether caused by the User's misconduct or by the intrusion of third parties.

3.3.2. Entry

After registration, the User logs in with his/her User ID and password to access the Platform. The User who has signed in may access the Platform within the scope of the Subscription he/she has chosen. Subscription Relationships are defined in Section 4 of these General Terms and Conditions.


Additionally, the Platform allows you to sign in using the User's gmail account, Apple ID and/or Facebook account. This is the so-called comfortable registration, which has a certain impact on the User's privacy and the processing of personal data, and the User is therefore advised to read the privacy policy before using the comfortable registration.

3.4. Support

Technical support is available to the User and can be contacted within the Platform. The User may also contact the Platform Operator at info@stocktraderapp.com.

3.5 Rules of Use of the Platform

The User expressly agrees to use the Platform in accordance with its purpose and not to misuse the Platform for activities that do not fall within its purpose.

The Platform is intended for the exchange of opinions and experiences and knowledge in the field of stock market investing. The Platform is not a place for trading on the stock market, but merely provides a Platform for learning and exchanging opinions.


The Platform allows the exchange of opinions via the CHAT function, within which Users can perform the following activities:

  • Posting messages on CHAT (public messages visible to all Users);
  • Posting a reaction to a specific message;
  • Viewing other Users' profiles;
  • Follow other Users.

In particular, the User is obliged to refrain from the following activities:

  • Add value to the community. This community is not a place to promote your website or business or any other stock picking services. It’s to (1) add value by helping others with their questions, challenges, and struggles, and (2) get support from the community by asking detailed, penetrating questions.
  • To be clear: Don’t link to your site, product, or sales page (Messages like “Here’s my website, any tips or feedback?” will be immediately deleted. The members of your group are not your market.) Finally, do not share any material found on this community publicly.
  • Remember, our goal is to make the STP community the best online stock trading experience, so we want to create a safe space for sharing. My team(Technical Help) will hide Traders that are too much off-topic and repeat offenders will be banned from the chat/ community add-on.
  • Keep it relevant: This community is focused on stocks that are listed on US Stock Exchanges: NYSE, NASDAQ and AMEX.
  • Do your homework before asking questions! Vague questions will get you vague answers. Good questions will get you great answers. The key is doing the hard work yourself before you ask others.

In addition, the User is also obliged to adhere to certain rules of the CHAT function, where conversations and exchanges of experiences between Users take place. The User is obliged to respect the following rules:

  • Only the English language is allowed.
  • Do not use bad words. Traders get emotional sometimes, especially if it's not their best day. Please, if you need to vent, do it at home or take some yoga lessons before joining the chat.
  • Do not promote or talk about other stock picking services. You are here and we are your family, wishing you only the best.
  • Respect other participants like you respect your family members. Be tolerant to other traders' opinions, religion, political views, etc.
  • Chat room is for statements, not for questions. Please, do not harass traders with questions.
  • Only mention stocks with interesting chart setups or near-term catalysts. Illiquid stocks are not in our interest.
  • Penny stocks are off topic in our chat room. Mentioning stocks trading below $1 is not desired.
  • Keep your messages short and concise.
  • Use capital letters for tickers (AAPL, GOOG,...).
  • Respect our general Terms of Use.

3.6. Security and reliability of the Platform

The Platform is available to the User 24 hours a day, 7 days a week. Exceptionally, the Platform is unavailable when maintenance work is being carried out or when unforeseen events occur that would cause the Platform to be unavailable.


The Platform Operator shall use its best endeavours to ensure the security of the Platform, but does not guarantee the security of user accounts and data stored on the Platform. The Platform is provided "as is".


The Platform Operator does not guarantee the constant operation of the Platform. The operation of the Platform may be subject to interruptions, errors and other undesired situations which may temporarily limit or prevent access to the Platform. The Platform Operator shall use its best endeavours to rectify any defects as quickly as possible, but does not guarantee that such defects will be rectified within any specified time period.


The Operator of the Platform shall not be liable for any damages, direct or indirect, including incidental damages, suffered by the User as a result of the temporary unavailability, inoperability and/or malfunction of the Platform.

3.7. Modification, amendment and cancellation of user accounts

The Platform Operator reserves the right to freeze or terminate user accounts in certain cases.

The User's account will be frozen upon the expiry of the subscription fee paid by the User for access to the Platform. The User Account will be frozen at the expiry of the last day for which the subscription fee was paid. If the User wishes to reactivate his/her account, he/she is obliged to renew his/her subscription. The User shall renew his/her subscription in the same way as he/she establishes it for the first time, as defined in clause 4.4 of these General Terms and Conditions. Should the User fail to renew his/her basic subscription, the User shall lose access to his/her addition subscription. Addition subscription shall not be reactivated as defined within this Terms and Conditions.

The Platform Operator reserves the right to freeze the User's account if the User does not use the Platform in accordance with its purpose. The rules of use are defined in point 3.5 of these General Terms and Conditions. The Operator of the Platform reserves the right to send a warning to the User on the first violation of the rules and to prevent the User from accessing the Platform for 24 hours. If the violation is repeated (which does not have to be the same violation) within 45 days of receipt of the notice of violation, the Platform Operator will prevent the User from using the Platform until the expiry of the membership fee purchased under the selected basic subscription.


The Operator of the Platform reserves the right to terminate and deactivate the User's account immediately and without prior warning if it determines that the User has not reached the age of majority under the law of the country of his/her origin. Such User may not re-register on the Platform for at least 1 calendar year after the termination of the User's account.


In the event of freezing and/or cancellation of the User's account, the User is not entitled to a refund of the subscription fee paid. Nor shall the User be entitled to reimbursement for any damage caused to him/her as a result of the restriction of the use of the User Account.

4. Subscription relationship

The contractual relationship between the Operator of the Platform and the User is constituted by the General Terms and Conditions of Business pertaining to the use of the Platform. The subscription relationship is concluded at the moment when the User accepts the General Terms and Conditions as part of the registration process. The Operator of the Platform shall provide the use of the Platform to any User who registers on the Web Portal and makes payment for the relevant subscription. The User is obliged to comply with all obligations arising for him/her under these General Terms and Conditions for the duration of the Subscription.


By concluding a subscription, the User acquires the possibility to use the Platform in his/her own name and on his/her own account. The User shall not have the right to grant access to the Platform to third parties through his/her User Account. Nor does the User have the right to share his/her password or access with third parties. The User is obliged to actively ensure the security of his/her User Account as defined in these General Terms and Conditions.


If the Platform Operator detects a breach of the Subscription, it reserves the right to terminate the Subscription and block the User's re-registration immediately and without prior warning. A User who has been blocked for a breach shall not be entitled to a refund for any Subscription that he/she has not yet been able to use, irrespective of how much of the Subscription period the User has remaining.

4.1. Duration of the subscription

The User has the option to purchase a monthly subscription, a quarterly subscription or an annual subscription.

The choice of the duration of the subscription shall have an impact on the payment for the service, which is defined in the registration procedure.

The User has the ability to choose time period for basic and adddition subscription.

4.2. Free trial period

A User who registers for the first time on the Platform is entitled to a free 7-day Trial Period, during which the User may withdraw from the Contract, without payment of any subscription fee.


The free trial period starts from the moment of the User's successful registration and ends on the 7th day from the day of registration.


After the expiry of the free trial period, the subscription fee is payable in accordance with the User's chosen package.


Each user is entitled to the free trial period only once. Free trial period is linked to each individual user.

4.3. Additions

The user has the possibility to choose two add-ons: the CHAT add-on and the CHART add-on.


The CHAT add-on allows:

  • Chatting with other Users,
  • Marketing comments,
  • Following other Users,
  • Posting and commenting on posts.

The CHART add-on allows:

  • Technical analysis of individual stocks,
  • Target price,
  • Other statistics.

Each addition can be selected at any time during the basic subscription period. Each addition may be provided in accordance with addition subscription plan as selected by the User.
User has the possibility to choose between monthly, quarterly, and annual addition subscription plan.

Addition subscription may be added to each User account solely while basic subscription is active. User is obligated to ensure that basic subscription is active for the whole period of addition subscription.


User expressly recognizes and agrees that should the User cancel basic subscription plan before the period for addition subscription plan expires, the User shall lose access to selected add-on at the date the basic subscription plan runs out.


In the event specified above, the User shall not be entitled to any refund and/or any other reimbursement for paid but unused addition subscription plan.
The Operater is entitled to cancel addition usage at any time and shall not be obligated to provide any additional information in regard with cancellation. In the event of cancellation, the Operator shall inform the User of the date and time of cancellation.

4.4. Method of charging and payment terms

The User is obliged to pay for the Platform services in accordance with the subscription package selected.


By paying the selected subscription fee, the User obtains the possibility to access the Platform for 5 different devices used by the User.


By registering, the User is granted a 7-day trial period during which he/she can test the functionalities of the Platform.


The user has the possibility to cancel the subscription at any time during the 7-day trial period, without any consequences for the user. The 7-day trial period shall expire at 23:59 on the seventh day of the User's local time.


After the trial period, the User does not have the option to terminate the subscription. At this point, the withdrawal of funds from the payment means used by the User during the registration process shall also be made.

4.5 Withdrawal from the Contract

Each User has the possibility to withdraw from the Contract in accordance with the terms set out in the online application store (AppStore, Google play) through which the User downloaded the Platform onto his/her device. The Platform Operator is obliged to comply with the terms of the particular online store through which it offers the Platform.


Withdrawal from the contract is also possible within the free trial period as defined in point 4.2 of these General Terms and Conditions.

4.6. Termination and automatic renewal of the subscription

The subscription relationship is concluded for a fixed period of time, in accordance with the duration selected by the User during the registration process. 
The Subscription shall be automatically renewed for the same period for which it was concluded.


The User may terminate the subscription at any time by deleting his/her User Account within the Platform.


A User who has deleted his/her User Account before the expiry of the subscription period paid by him/her shall not be entitled to a refund of the subscription fee already paid under the deleted User Account.


In the event that the User wishes to start using the Platform again, he/she shall be obliged to re-register as defined in these General Terms and Conditions. The User may not claim the overdue period not used in the previous User Account in the new User Account.


A User who wishes to re-access the Platform is not entitled to use the free trial period.

5. Limitations of liability

Subject to the limitations of liability set out in these General Terms and Conditions, the Operator further clarifies as follows below. The Operator enforces the below mentioned limitations of liability to the fullest extent as provided by the law.


If you choose to use the Platform, you agree that you do so voluntarily and assume all risks. Use of the Platform is at your own risk and the Platform is provided "as is" without warranty of any kind, either expressed or implied. All limitations of liability set out in this section or anywhere in these General Terms and Conditions and the Specific Terms and Conditions shall apply to the fullest extent permitted by law.


The Operator does not warrant the operation of the Platform, nor does it warrant that the Platform will be error-free, free of viruses or any virus-like malware. Nor does the Operator warrant that the information published on the Website is accurate and complete. The Operator shall not be liable for any damages whatsoever, including but not limited to: direct, indirect or consequential damages that may arise or result from the use of the Platform.


The Operator is not a financial adviser and does not offer financial advice services. The Operator only facilitates the use of the Platform, within which the User may obtain information on trading on the stock markets. The information on past returns that the User may find on the Platform is not a guarantee of future returns.


The Operator shall use its best endeavours to provide effective advice and explanations, but shall in no event guarantee the results of the Users. All functionalities and information provided by the Platform are for information purposes only. The Operator makes no guarantee or warranty that the User will achieve any particular results by using the Platform. The User is solely and entirely responsible for the results achieved by using the Platform, and the User is obliged to take into account his/her level of knowledge and experience in the market.


The Operator also allows other Users to participate in the creation of content available on the Platform. The Provider does not check the level of knowledge and does not review and monitor the content of these Users. A User who chooses to follow the information of another User who is not the Operator shall follow such information at his/her own risk and shall bear all consequences that may arise as a result of the User's actions. The Operator is not liable for any consequences that may arise from the use of the Platform, regardless of whether the information comes from the Operator or from a third party.


The content accessed by Users on the Platform expresses only the views and/or opinions of the Operator and/or third parties sharing User Materials on the Platform. The Operator and third parties creating User Materials do not assume any responsibility for the information provided and do not guarantee that the information provided is correct, relevant and/or complete. The User is fully responsible for any consequences and/or damages arising from the use of the content located on the Platform, regardless of the authorship of such content.


In the event the Operator's liability shall be established, the Operator limits its liability by amount to the amount of annual basic subscription fee that was valid in time of registration of the User initiating a claim against the Operator.

6. Intellectual property protection

By using the Platform, the User does not acquire any copyright, proprietary rights or intellectual property rights in the Platform. The Platform and its functionalities are the exclusive property of the Provider, which may dispose of them without restriction. The Operator is also the exclusive owner and holder of all distinctive signs and other intellectual property rights used in the context of the Platform's operation. The Operator may use the Platform only within the framework of the Subscription relationship, and the use of the Platform shall in no case grant the Operator any intellectual property rights or copyrights over the Platform and/or the distinctive signs used by the Provider. Nothing in these General Terms and Conditions shall be interpreted in such a way as to confer on the User any right, whether proprietary, intellectual or copyright, over the Platform and the related distinctive signs used by the Operator.


The data, images, text and any other materials (hereinafter referred to as User Materials) created by the User using the Platform are the exclusive property of the User. By accepting these Terms and Conditions, the Operator obtains the right to use the User Materials created by the User in the context of the use of the Platform. The Operator may, within the scope of the right to use the User Materials, use these materials only for the purpose of performing the functionality of the Platform and for marketin purposes. This includes, but is not limited to: sharing User Signals with the community, enabling the User Tracking feature, enabling the User Profile Viewing feature, sharing information on social media and/or webpage of the Provider.
In the event that the Operator changes the functionalities of the Platform, the scope of the right to use the User Materials defined in this section shall be deemed to change accordingly.

7. Data protection

The use of the Platform inevitably involves the processing of personal data. You can read how personal data is processed in our privacy policy.

8. Using the website

The Operator is the owner and operator of the https://stocktraderapp.net/ website and is the sole owner of the website and all materials (regardless of format) contained on the website. The website is provided "as is" and the Operator shall not be liable for any damages that may arise from the use and/or non-operation of the website.
All content on the website with subdomains is for information purposes only and does not constitute any obligation on the part of the Operator.

9. Final provisions

Contract concluded. The General Terms and Conditions, together with the order of services made through the Provider's website and all subpages of this website, shall have the nature of a contract concluded between the Provider and the User.

Independence of Provisions. Should any provision of these Terms and Conditions (in whole or in part) be found to be unlawful, void or otherwise invalid, such provision shall be deemed to have been deleted (in whole or in part) and the remainder of these Terms and Conditions shall remain in full force and effect.

Full business capacity. The User warrants that he/she has full capacity to assume the rights and obligations arising from these General Terms and Conditions. You warrant that you do not require the consent or approval of any third party to perform your obligations under these terms and conditions or, to the extent that such approval is required, that you have such approval.

Awareness of the Terms and Conditions. The User warrants that he/she has read and is fully aware of these General Terms and Conditions before accepting them.

The law of the agreement. These General Terms and Conditions shall be governed by the law of the Republic of Slovenia.

Dispute resolution. The Parties shall resolve any disputes amicably. If this is not possible, the courts of the Republic of Slovenia shall have jurisdiction in all disputes arising out of these General Terms and Conditions.

Force majeur. The Operator shall not be liable for any damages arising as a result of force majeure. Force majeure shall be deemed to be any event which is unforeseeable and beyond the control of the Provider. Force majeure includes, but is not limited to: natural disasters, war and states of emergency, power failures, strikes, etc. The Operator shall immediately notify the User of the event and give an indicative time limit for remedying the consequences of the force majeure.

Changes to the terms and conditions. You have no right to modify or waive, in whole or in part, any provision of these General Terms and/or the Specific Terms. The Operator has the right to change these Terms and Conditions at any time. Any amendment will be published on the Operator's website. You will be deemed to have accepted any changes if you continue to use the Platform despite the changes coming into effect. If you do not agree to the changes, you have the right to withdraw.

The entire agreement. These General Terms and Conditions constitute the entire agreement in force between the Parties. Any prior agreements or negotiations, whether written or oral, are superseded in their entirety by these terms and conditions.

Language versions. These General Terms and Conditions are drafted in the Slovene language. Any version of these General Terms and Conditions in another language is created in order to offer easier access to these General Terms and Conditions. The User agrees and fully understands that in the event of any dispute, the Slovenian version shall prevail.

Meaning of terms. All capitalised terms used in these Terms shall have the meaning as defined at the top of these General Terms.

Current version. These General Terms and Conditions are valid from 28.02.2022.