Growth Stock Dashboard

Dashboard Analytics

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Intelligence Lab

Experimental Explore patterns across your universe

Paper Trading

Simulated Educational simulated portfolios · no real money

⚠ Simulated trading only. No real money is involved. Prices are sourced from Finnhub and may be delayed. This is an educational tool — not financial advice.

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AGREEMENT TO OUR LEGAL TERMS

We are Growth Stock Dashboard ("Company," "we," "us," "our"), an individual operator providing an invitation-only educational web dashboard at https://growthstockdashboard.com (the "Site," collectively the "Services").

The Services display algorithmically-generated composite scores, fundamental data, and analyst recommendation tiers for publicly-traded stocks, sourced from third-party financial data providers (Finnhub, Yahoo Finance) for informational and educational purposes only. The Services do not provide personalized investment advice, execute trades, hold customer funds, or act as a registered investment adviser or broker-dealer.

You can contact us by email at support@growthstockdashboard.com.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Growth Stock Dashboard, concerning your access to and use of the Services. By accessing or using the Services, you agree that you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date and the version string at the top of these Legal Terms, and by requiring you to re-accept the updated Terms via the in-app acceptance modal before you continue to use the Services. Your continued use of the Services after such re-acceptance constitutes your agreement to the updated Terms.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services.

TABLE OF CONTENTS

1. OUR SERVICES
2. NOT FINANCIAL ADVICE
3. INTELLECTUAL PROPERTY RIGHTS
4. USER REPRESENTATIONS
5. USER REGISTRATION
6. PROHIBITED ACTIVITIES
7. USER-GENERATED CONTRIBUTIONS
8. THIRD-PARTY WEBSITES AND CONTENT
9. SERVICES MANAGEMENT
10. TERM AND TERMINATION
11. MODIFICATIONS AND INTERRUPTIONS
12. GOVERNING LAW
13. DISPUTE RESOLUTION
14. CORRECTIONS
15. DISCLAIMER
16. LIMITATIONS OF LIABILITY
17. INDEMNIFICATION
18. USER DATA
19. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES
20. MISCELLANEOUS
21. CONTACT US

1. OUR SERVICES

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The Services are not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use the Services.

The Services include simulated portfolio tracking, an "AI Trades" feature (an algorithmically-managed simulated portfolio), and a "Paper Trading" feature (a user-driven simulated portfolio). Both are paper-trading simulations only. No real-money trades are executed by the Services. No customer funds are ever held. All trade entries shown in any portfolio, AI Trades, or Paper Trading view are illustrative and educational, and do not represent actual securities transactions.

2. NOT FINANCIAL ADVICE

The Services do not provide investment, financial, tax, legal, or accounting advice. Growth Stock Dashboard is operated by an individual who is NOT a registered investment adviser, broker-dealer, certified financial planner, tax professional, or attorney. No content on the Services should be construed as a recommendation to buy, sell, or hold any security, nor as an endorsement of any investment strategy.

All composite scores, recommendation tiers (e.g., "Strong Buy," "Buy," "Accumulate," "Watchlist," "Hold," "Sell"), risk ratings, future-proof scores, and other analytical outputs are generated algorithmically from publicly-available third-party financial data. They are mechanical outputs of formulas applied to data points. They are not human-curated picks. They do not consider your personal financial circumstances, risk tolerance, investment goals, tax situation, or timeframe. They may be wildly inaccurate, out of date, or simply wrong.

You acknowledge and agree that:

• You are solely responsible for evaluating the merits and risks of any investment decision.
• You will not rely on the Services as the sole basis for any investment decision.
• Past performance is not indicative of future results.
• All investing carries risk. You may lose your entire investment.
• Before making any investment decision, you will conduct your own independent research and consult a licensed financial professional who knows your personal circumstances.
• The operator of the Services has no fiduciary relationship with you and owes you no duty of care with respect to your investment decisions.

3. INTELLECTUAL PROPERTY RIGHTS

Our intellectual property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").

Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world.

The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to access the Services solely for your personal, non-commercial use.

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in our Legal Terms, please address your request to support@growthstockdashboard.com.

Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

4. USER REPRESENTATIONS

By using the Services, you represent and warrant that:

1. All registration information you submit will be true, accurate, current, and complete;
2. You will maintain the accuracy of such information and promptly update such registration information as necessary;
3. You have the legal capacity and you agree to comply with these Legal Terms;
4. You are not a minor in the jurisdiction in which you reside, and in any event are at least 18 years old;
5. You will not access the Services through automated or non-human means, whether through a bot, script, or otherwise, except as expressly permitted;
6. You will not use the Services for any illegal or unauthorized purpose;
7. Your use of the Services will not violate any applicable law or regulation;
8. You understand that the Services do not provide financial, investment, tax, or legal advice and you will not rely on the Services as such.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services.

5. USER REGISTRATION

Access to the Services requires an invitation key and a registered account. You are responsible for safeguarding the password that you use to access the Services and for any activities or actions under your password. We encourage you to use a strong, unique password. We reserve the right to remove, reclaim, or change a username (or revoke an invitation key) you select if we determine, in our sole discretion, that such username or invitation use is inappropriate, obscene, abusive, or otherwise objectionable.

6. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:

• Systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
• Circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
• Use any information obtained from the Services in order to harass, abuse, or harm another person.
• Make improper use of our support services or submit false reports of abuse or misconduct.
• Use the Services in a manner inconsistent with any applicable laws or regulations.
• Use the Services to advertise or offer to sell goods and services.
• Engage in unauthorized framing of or linking to the Services.
• Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material that interferes with any party's uninterrupted use and enjoyment of the Services.
• Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
• Delete the copyright or other proprietary rights notice from any Content.
• Attempt to impersonate another user or person or use the username of another user.
• Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism.
• Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
• Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
• Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services.
• Copy or adapt the Services' software, including but not limited to HTML, JavaScript, or other code.
• Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services.
• Use the Services to provide investment advice to others, hold yourself out as a registered investment adviser, or otherwise re-publish or re-distribute the Services' output as if it were your own analysis or recommendation.
• Use the Services as a basis for any commercial trading or signal-generation service offered to third parties.

7. USER-GENERATED CONTRIBUTIONS

The Services do not currently solicit or accept user submissions of public content such as posts, comments, or reviews. Any data you store within the Services (including your portfolio entries, watchlist, theme preference, AI Trades and Paper Trading entries) is private to your account and is not displayed to other users.

8. THIRD-PARTY WEBSITES AND CONTENT

The Services may contain (or you may be sent via the Services) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, software, applications, and other content originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of, or contained in the Third-Party Websites or Third-Party Content.

The Services rely on the following third-party data providers: Finnhub (price quotes, fundamentals, and analyst recommendations) and Yahoo Finance (historical chart data). We make no warranty as to the accuracy, completeness, or timeliness of data sourced from these providers. Data may be delayed, incorrect, missing, or out of date.

9. SERVICES MANAGEMENT

We reserve the right, but not the obligation, to:

1. Monitor the Services for violations of these Legal Terms;
2. Take appropriate legal action against anyone who, in our sole discretion, violates the law or these Legal Terms, including without limitation reporting such user to law enforcement authorities;
3. In our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your contributions or any portion thereof;
4. In our sole discretion and without limitation, notice, or liability, to remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems;
5. Otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

10. TERM AND TERMINATION

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES) TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party.

11. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services.

12. GOVERNING LAW

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Florida, applicable to agreements made and to be entirely performed within the State of Florida, without regard to its conflict of law principles.

13. DISPUTE RESOLUTION

Informal Negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute" and collectively, the "Disputes") brought by either you or us (individually, a "Party" and collectively, the "Parties"), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

Binding Arbitration

Any dispute arising out of or in connection with these Legal Terms, including any question regarding its existence, validity, or termination, shall be referred to and finally resolved by binding arbitration administered in Broward County, Florida. The arbitration shall be conducted in English in accordance with the rules of the American Arbitration Association. The arbitrator's decision shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

Class Action Waiver

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, the Parties agree that the arbitrator may not consolidate proceedings or more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution section shall be null and void.

Restrictions

The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law: (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

Exceptions to Arbitration

The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief.

14. CORRECTIONS

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, scores, prices, recommendation tiers, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

15. DISCLAIMER

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT, INCLUDING ANY COMPOSITE SCORES, RECOMMENDATION TIERS, RISK RATINGS, FUTURE-PROOF SCORES, OR ANY OTHER ANALYTICAL OUTPUT, AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SERVICES BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SERVICES.

WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY INVESTMENT DECISION YOU MAKE BASED ON INFORMATION OBTAINED FROM THE SERVICES. THE SERVICES DO NOT EVALUATE YOUR INDIVIDUAL FINANCIAL CIRCUMSTANCES, RISK TOLERANCE, INVESTMENT GOALS, OR TAX SITUATION. YOU SHOULD ALWAYS CONSULT WITH A QUALIFIED FINANCIAL PROFESSIONAL BEFORE MAKING ANY INVESTMENT DECISION.

16. LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOST DATA, LOST INVESTMENT VALUE, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF (A) THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING, OR (B) ONE HUNDRED US DOLLARS (US $100). CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

17. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) use of the Services; (2) breach of these Legal Terms; (3) any breach of your representations and warranties set forth in these Legal Terms; (4) your violation of the rights of a third party, including but not limited to intellectual property rights; (5) any overt harmful act toward any other user of the Services with whom you connected via the Services; or (6) any investment decision you make in reliance, whole or in part, on information obtained from the Services. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims.

18. USER DATA

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

For details on how we collect, use, and share your information, please see our Privacy Policy.

19. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Services, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

20. MISCELLANEOUS

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control.

If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

21. CONTACT US

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

support@growthstockdashboard.com

If you do not agree with any portion of these Terms, you must stop using the Service immediately. These Terms were custom-written and modeled on industry-standard templates; they are not legal advice and should be reviewed by a licensed attorney before any public launch or monetization.

This Privacy Notice for Growth Stock Dashboard ("we," "us," or "our") describes how and why we might access, collect, store, use, and/or share ("process") your personal information when you use our services ("Services"), including when you:

• Visit our website at https://growthstockdashboard.com or any website of ours that links to this Privacy Notice
• Use Growth Stock Dashboard, an invitation-only educational web dashboard that displays algorithmically-generated composite scores, fundamental data, and analyst recommendations for publicly-traded stocks. All data is sourced from third-party financial data providers (Finnhub, Yahoo Finance) and presented for informational and educational purposes only. The Service does not provide personalized investment advice, execute trades, hold customer funds, or act as a registered investment adviser or broker-dealer.
• Engage with us in other related ways

Questions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for making decisions about how your personal information is processed. If you do not agree with our policies and practices, please do not use our Services. If you still have questions or concerns, please contact us at support@growthstockdashboard.com.

SUMMARY OF KEY POINTS

This summary provides key points from our Privacy Notice. You can find more details about any of these topics by reading the corresponding section below.

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the choices you make. We collect only your email address, password (stored as a hash), invitation key, and the in-app data you generate (portfolio entries, watchlist, theme, page views, and Terms of Service acceptance records).

Do we process any sensitive personal information? We do not process sensitive personal information such as racial origin, sexual orientation, religious beliefs, health data, biometric data, or precise geolocation.

Do we collect information from third parties? We do not collect any personal information from third parties.

How do we process your information? We process your information to provide and administer our Services, authenticate you, save your portfolio and watchlist across devices, prevent fraud, and comply with applicable law. We process your information only when we have a valid legal reason to do so.

In what situations and with which parties do we share personal information? We share information only with the third-party service providers that operate the underlying infrastructure (Supabase, Netlify) and with no one else for marketing or advertising purposes. We do not sell or rent your personal data.

How do we keep your information safe? We have technical and organizational processes in place to protect your personal information, including HTTPS encryption, Supabase Row Level Security, and server-side handling of API keys. However, no electronic transmission can be guaranteed to be 100% secure.

What are your rights? Depending on where you are located, you may have rights regarding your personal information including the right to access, correct, delete, or export your data. You can exercise these rights at any time by emailing us.

How do you exercise your rights? The easiest way to exercise your rights is by contacting us at support@growthstockdashboard.com. We will consider and act upon any request in accordance with applicable data protection laws.

TABLE OF CONTENTS

1. WHAT INFORMATION DO WE COLLECT?
2. HOW DO WE PROCESS YOUR INFORMATION?
3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
5. HOW LONG DO WE KEEP YOUR INFORMATION?
6. HOW DO WE KEEP YOUR INFORMATION SAFE?
7. DO WE COLLECT INFORMATION FROM MINORS?
8. WHAT ARE YOUR PRIVACY RIGHTS?
9. CONTROLS FOR DO-NOT-TRACK FEATURES
10. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
11. DO WE MAKE UPDATES TO THIS NOTICE?
12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
13. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

1. WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In Short: We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you register on the Services, express an interest in obtaining information about us or our Services, or otherwise contact us. The personal information we collect includes:

• email addresses
• passwords (stored as a salted hash via Supabase Auth, never in plain text)
• invitation keys (used to gate signup)

Sensitive Information. We do not process sensitive personal information.

Payment Data. We do not collect payment information. The Service is currently free and invitation-only.

Application Data. While you use the Service, we collect application data that you generate, including: your portfolio entries, your watchlist, your theme preference, your page-view history within the dashboard, and your Terms of Service acceptance records. This data is stored in our Supabase database and tied to your user account.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

2. HOW DO WE PROCESS YOUR INFORMATION?

In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

• To facilitate account creation and authentication and otherwise manage user accounts. We process your information so you can create and log in to your account, as well as keep your account in working order.
• To deliver and facilitate delivery of services to the user. We process your information to provide you with the requested service, including saving your portfolio and watchlist across devices.
• To save or protect an individual's vital interest. We may process your information when necessary to save or protect an individual's vital interest, such as to prevent harm.
• To comply with our legal obligations. We may process your information to comply with our legal obligations, respond to legal requests, and exercise, establish, or defend our legal rights.

3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

In Short: We share information only with the service providers that operate the underlying infrastructure of the Service.

We may need to share your personal information in the following situations:

• Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
• Service Providers. We share information with the third-party providers that operate the underlying infrastructure of the Service:
  • Supabase — authentication and database hosting (stores your account, portfolio, watchlist, and analytics)
  • Netlify — website hosting and serverless functions
  • Finnhub — financial data provider, accessed via a server-side proxy. Finnhub does not receive any user-identifying information.
  • Yahoo Finance — historical chart data, accessed read-only. No user data is sent.

We do not sell, rent, or share your personal data with third parties for advertising or marketing purposes.

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

In Short: We use cookies and similar tracking technologies only to keep you signed in and remember your preferences.

We use Supabase's authentication cookies to keep you signed in between visits. We also use browser local storage to cache your portfolio, watchlist, theme, and recent search history for faster page loads. We do not use third-party analytics, advertising, or tracking cookies.

Clearing your browser cookies and local storage will sign you out and remove cached data, but will not delete the canonical copy of your account held in our database.

5. HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us to keep your personal information for longer than the period of time in which users have an account with us.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

6. HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process, including HTTPS encryption in transit, Supabase Row Level Security policies that prevent users from reading other users' data, and strict server-side handling of API keys. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk.

7. DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly collect, solicit data from, or market to children under 18 years of age, nor do we knowingly sell such personal information. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent's use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at support@growthstockdashboard.com.

8. WHAT ARE YOUR PRIVACY RIGHTS?

In Short: You may review, change, or terminate your account at any time, depending on your country, province, or state of residence.

Withdrawing your consent: If we are relying on your consent to process your personal information, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us at support@growthstockdashboard.com. However, please note that this will not affect the lawfulness of the processing before its withdrawal nor will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.

Account Information

If you would at any time like to review or change the information in your account or terminate your account, you can email us at support@growthstockdashboard.com. Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms, and/or comply with applicable legal requirements.

Cookies and similar technologies: Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features of our Services (you will not be able to stay signed in).

9. CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Notice.

California law requires us to let you know how we respond to web browser DNT signals. Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not respond to them at this time.

10. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, or Virginia, you may have the right to request access to and receive details about the personal information we maintain about you, correct inaccuracies, get a copy of, or delete your personal information.

Categories of Personal Information We Collect

The table below shows the categories of personal information we have collected:

Category	Examples	Collected
A. Identifiers	Email address, account name, IP address, online identifier	YES
B. Personal information under California Customer Records	Name, contact information, financial information	NO
C. Protected classification characteristics	Gender, age, race, national origin, marital status	NO
D. Commercial information	Transaction information, purchase history, payment information	NO
E. Biometric information	Fingerprints and voiceprints	NO
F. Internet or other similar network activity	Page-view history within the dashboard	YES
G. Geolocation data	Device location	NO
H. Audio, electronic, sensory information	Images, audio, video, call recordings	NO
I. Professional or employment-related information	Job history, professional qualifications	NO
J. Education information	Student records and directory information	NO
K. Inferences drawn from collected personal information	Inferences to create a profile or summary about an individual	NO
L. Sensitive personal information	Government IDs, health data, etc.	NO

We will use and retain the collected personal information as needed to provide the Services or for as long as the user has an account with us.

Will your information be shared with anyone else?

We may disclose your personal information with our service providers (listed in section 3 above) pursuant to a written contract between us and each service provider. We have not disclosed, sold, or shared any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. We will not sell or share personal information belonging to website visitors, users, and other consumers in the future.

Your Rights

You have rights under certain US state data protection laws. However, these rights are not absolute, and in certain cases, we may decline your request as permitted by law. These rights include:

• Right to know whether or not we are processing your personal data
• Right to access your personal data
• Right to correct inaccuracies in your personal data
• Right to request the deletion of your personal data
• Right to obtain a copy of the personal data you previously shared with us
• Right to non-discrimination for exercising your rights
• Right to opt out of the processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects (we do not engage in any of these activities)

How to Exercise Your Rights

To exercise these rights, you can contact us by emailing support@growthstockdashboard.com. Under certain US state data protection laws, you can designate an authorized agent to make a request on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf.

Request Verification

Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. We will only use personal information provided in your request to verify your identity or authority to make the request.

11. DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this Privacy Notice from time to time. The updated version will be indicated by an updated "Last updated" date at the top of this Privacy Notice. If we make material changes to this Privacy Notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification (including via the in-app Terms of Service acceptance modal). We encourage you to review this Privacy Notice frequently to be informed of how we are protecting your information.

12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at support@growthstockdashboard.com.

13. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

You have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. To request to review, update, or delete your personal information, please email us at support@growthstockdashboard.com.

This Privacy Notice was adapted from a Termly-generated template and customized to accurately reflect Growth Stock Dashboard's actual data collection practices.

The 60-second summary

Every trading day, a GitHub Actions job pulls fundamental data for about 4,500 U.S. stocks from Financial Modeling Prep. For each stock, we compute more than 30 individual factors — things like return on invested capital, debt-to-equity, revenue growth, 12-month price momentum, and realized volatility. These factors are grouped into 8 categories, each of which gets a z-score (how many standard deviations above or below the universe average the stock sits). The z-scores are combined with fixed weights into two final display scores, each on a 0‑100 scale: a Composite score that answers "is this a fundamentally sound company?", and a Growth score that answers "is this a growth compounder?".

There is no magic, no machine learning, and no hand-curated picks. Just a transparent, deterministic formula run over whatever data the daily refresh pulled from FMP.

The factor library

Factors are grouped into 8 categories. Each category contributes a weighted amount to the final Composite and Growth scores. Within each category, the individual factors are averaged together (after z-score normalization — see below) to produce a category z-score.

Z-score normalization

Raw factor values aren't comparable to each other. A P/E of 18 is "cheap"-ish for a mature industrial but expensive for a commodity producer. A 25% revenue growth rate is boring for a SaaS startup but extraordinary for a bank. To compare factors on an equal footing, every raw value is converted to a z-score: how many standard deviations above or below the universe average the stock sits.

The pipeline is:

1. Winsorize — clip each factor's raw values to the 1st and 99th percentiles across the universe. Prevents one outlier from dominating the distribution.
2. Compute mean and standard deviation — across all tickers that have a non-null value for that factor.
3. Z-score — for each ticker, z = (value − mean) ÷ stdev, clipped to ±3.
4. Flip direction for "lower is better" factors — P/E, debt/equity, volatility, etc. get their sign inverted so that a higher z always means "better."
5. Average within group — for each of the 8 categories, average the z-scores of the factors in that group to get a category z-score.
6. Apply weights and sum — multiply each category z-score by its category weight, sum across all present categories, and renormalize if any category is missing.
7. Convert to display score — display = clamp(50 + 15 × composite_z, 0, 100). A ticker one standard deviation above the average on the weighted composite scores 65; two standard deviations gets you 80.

The two scores and their weights

Every ticker gets two scores from the same 8 category z-scores, combined with two different weight vectors.

Weights are fixed at version v3 release — we do not let users customize them, because that would turn the score into a backtested-over-your-own-portfolio curve-fitting exercise. A future major version (v4) may expose weight customization as an advanced option, but with guardrails around overfitting.

Universe-relative vs. sector-relative

The default Composite and Growth scores shown on stock cards are universe-relative: a ticker's z-score is computed against the entire ~4,500-stock universe. This is the right framing for the question "is this a good company, period?".

Under the hood, we also compute a parallel set of sector-relative scores that re-run the same pipeline using only the other stocks in that ticker's GICS sector as the comparison universe. This is the right framing for the question "is this company well-run relative to its peers?" — a necessarily different question. Sector-relative scores are exposed via a toggle on the stock cards grid, and will get their own tier labels in a future UI revision.

Sectors with fewer than 20 tickers fall back to the universe-relative stats for that factor group, because you can't meaningfully compute a mean and standard deviation from a handful of data points.

What happens when data is missing

Not every ticker has every factor. Small caps might be missing analyst coverage. Newly-IPO'd companies might not have 3-year growth rates. Any individual call to the data provider can fail silently.

The scoring pipeline handles missing data with two rules:

• A factor with a null value contributes nothing to its category z-score. It is not silently treated as "average" (a bug we shipped once and then fixed — see commit 1fc587a).
• A ticker needs non-null data in at least 3 of the 8 category groups to be eligible for a score at all. Below that threshold, the ticker is shown as "No score" in the UI — we'd rather show nothing than show a misleadingly-average number.
• When a ticker is missing one or more category groups, the weights are renormalized over the categories it does have. This means a ticker missing the Growth group isn't systematically penalized for having missing data — it just scores based on the factors it actually has.

The AI layer

When you click "Generate Analysis" on a stock modal, the dashboard sends the factor data (not the company name alone — the actual numbers) to Claude, Anthropic's large language model, and asks for a 3-paragraph educational summary. The prompt is constrained by a set of hard rules:

• No buy / sell / should / recommend / target price language, ever.
• No forward-looking statements — only descriptions of historical data.
• No comparisons to imagined market benchmarks the model doesn't have data for.
• No speculation about management, product, or strategy.
• No analysis at all for tickers that don't have a v3 score (insufficient factor coverage).

Every generated analysis is cached for 24 hours in our database, so repeated views of the same stock on the same day don't burn new API calls. If the model's response ever violates the constraints, please report it — see Full Disclaimer for contact info.

Limitations we know about

This is a transparent list of what the scoring engine does not do:

• No forward-looking estimates. We use only trailing fundamentals and historical prices. The formula cannot "see" guidance, analyst estimates, or forward P/E.
• No survivorship-bias correction. The universe is today's ~4,500 tickers. Companies that went bankrupt or got delisted don't appear. Historical backtests run over this universe will overstate returns.
• No point-in-time sector classification. GICS sector assignments are current, not historical — a company's sector three years ago might not match today's.
• No transaction cost modeling. If you traded on these scores, fees and slippage would eat into returns.
• Limited coverage of foreign and OTC names. The dashboard is U.S.-listed, FMP-covered only. Nothing from OTC pink sheets, international exchanges, or most ADRs.
• No regime detection. Momentum works in some market regimes and actively hurts in others. The formula is the same in every regime.

Want to audit the code? The scoring pipeline lives in scripts/refresh-to-supabase.js in the runScoringV3 function. Factor groups and weights are at the top of the same file. The backtest harness is scripts/backtest-v3.js. The SQL schema lives in sql/05-scoring-v3-factors.sql and sql/06-scoring-v3-scores.sql.

One more time, because it matters: these scores are descriptions, not predictions, and absolutely not advice. Past performance does not indicate future results. You are responsible for your own investment decisions.

Not a Registered Adviser

The operator of this dashboard is not a registered investment adviser, broker-dealer, or financial planner. Nothing on this site is intended as a recommendation to buy, sell, or hold any security.

Algorithmic Output

Composite scores, risk ratings, "buy/sell" labels, and any other analytical output are produced by automated formulas operating on publicly-available third-party data. They are not human-curated picks and they may be wildly inaccurate. Treat them as a starting point for your own research, not as conclusions.

Data Accuracy

Stock prices, fundamentals, and analyst ratings come from third-party providers (Finnhub, Yahoo Finance) and may be delayed, incorrect, or out of date. The operator does not independently verify these data feeds.

Risk of Loss

All investing carries risk. You can lose your entire investment. Past performance does not guarantee future results. Information shown on this site, including any back-tested or simulated results, may differ materially from real-world outcomes.

No Personal Recommendations

The Service does not know your financial situation, risk tolerance, tax circumstances, or investment goals. Any output should be evaluated only in conjunction with advice from a qualified professional who knows your personal circumstances.

Consult a Professional

Before making any investment decision, you should consult a licensed financial adviser, accountant, or attorney as appropriate for your situation. Do not rely on this dashboard alone.