Terms of Service
Please read these terms and conditions carefully before using our service.
Last updated: 12/07/2025
These Terms of Service ("Terms") govern your use of the StockyFi platform and services ("Service") operated by StockyFi Ltd., a company registered under Bulgarian law.
By accessing or using our Service, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of these terms, you may not access the Service.
These Terms are governed by Bulgarian law and the laws of the European Union, including but not limited to the General Data Protection Regulation (GDPR).
Company Name: StockyFi Ltd.
Registration: Bulgaria
Contact Email: bbankov@stockyfi.ai
Governing Law: Republic of Bulgaria
StockyFi is subject to Bulgarian commercial law, the Bulgarian Consumer Protection Act, and applicable EU regulations including GDPR and the Digital Services Act.
StockyFi provides AI-powered financial analysis and investment insights ("Service"). Our platform combines artificial intelligence with financial expertise to deliver market analysis and investment recommendations.
Important Notice: StockyFi is currently in pre-launch phase. The Service is not yet fully operational and is expected to launch in 2026.
⚠️ Financial Disclaimer: Our Service provides educational and informational content only. This is not financial advice. All investment decisions should be made in consultation with qualified financial advisors licensed in Bulgaria or your jurisdiction.
By using our Service, you agree to:
- Provide accurate and truthful information during registration
- Use the Service only for lawful purposes
- Not attempt to reverse engineer, hack, or compromise our systems
- Not share your account credentials with third parties
- Comply with all applicable Bulgarian and EU laws
- Not use the Service for money laundering or terrorist financing
Age Requirement: You must be at least 18 years old to use our Service, in accordance with Bulgarian law regarding financial services.
StockyFi operates in compliance with Bulgarian financial regulations, including:
- Bulgarian Financial Supervision Commission (FSC) regulations
- Markets in Financial Instruments Directive (MiFID II)
- Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements
- Bulgarian Consumer Protection Act
⚠️ Risk Warning: Investments carry risk. Past performance does not guarantee future results. You may lose some or all of your invested capital. Only invest what you can afford to lose.
We process your personal data in accordance with:
- EU General Data Protection Regulation (GDPR)
- Bulgarian Personal Data Protection Act
- Our Privacy Policy (available separately)
You have the right to access, rectify, erase, restrict processing, data portability, and object to processing of your personal data under GDPR Article 15-22.
To the maximum extent permitted by Bulgarian law:
- StockyFi provides the Service "as is" without warranties
- We are not liable for investment losses based on our analysis
- Our liability is limited to the amount paid for our services
- We are not responsible for third-party content or services
Consumer Rights: Nothing in these Terms affects your statutory rights as a consumer under Bulgarian and EU consumer protection laws.
All content, algorithms, software, and materials on our platform are protected by:
- Bulgarian copyright law
- EU intellectual property regulations
- International copyright treaties
You may not copy, modify, distribute, or reverse engineer our proprietary technology without explicit written permission.
Either party may terminate this agreement with 30 days written notice. We may immediately suspend or terminate your account if you:
- Violate these Terms
- Engage in fraudulent or illegal activities
- Pose a security risk to our platform
Upon termination, your right to use the Service ceases immediately, but provisions regarding liability, intellectual property, and dispute resolution survive.
Governing Law: These Terms are governed by Bulgarian law.
Jurisdiction: Any disputes will be resolved in the competent courts of Bulgaria.
EU Consumer Rights: If you are an EU consumer, you may also bring proceedings in the courts of your country of residence.
Alternative Dispute Resolution: You may use the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr
We may update these Terms from time to time. Material changes will be communicated via email or prominent notice on our platform at least 30 days before taking effect.
Continued use of the Service after changes take effect constitutes acceptance of the new Terms.
For questions about these Terms, please contact us:
Email: bbankov@stockyfi.ai
Subject Line: "Terms of Service Inquiry"
Response Time: Within 48 hours during business days
These Terms of Service are effective as of the date last updated above and remain in effect until superseded by a newer version.