Terms & Conditions

Legal | Privacy Policy

• Sttoq offers access to investment and banking accounts under each subscription plan. Each type of account is subject to different regulations and limitations. Sttoq Monthly Subscription Fee starts at $1/month. You'll also bear the standard fees and expenses reflected in the pricing of the ETFs in your investment account(s), plus fees for various ancillary services charged by Sttoq and the Custodian. Please see Advisory Agreement for details. Other fees apply to the bank account. Please see Deposit Account Agreement for details. Access to a Discretionary Managed Taxable Brokerage Account ("Smart Portfolio") is available in the Sttoq Growth and Sttoq plans.
• Depending on the subscription plan, there may be additional steps a user must take to cancel their account which may impact the amount of time it takes to fully close an account. You may incur ancillary fees charged by Sttoq and/or its custodian that are not included in the monthly Fee.
• Please see Terms and Conditions for full details. Sttoq may receive compensation from business partners in connection with certain promotions in which Sttoq refers clients to such partners for the purchase of non-investment consumer products or services. This type of marketing partnership gives Sttoq an incentive to refer clients to business partners instead of to businesses that are not partners of Sttoq. This conflict of interest affects the ability of Sttoq to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of other businesses, that do not compensate Sttoq, may be more appropriate for a client than the products and/or services of Sttoq's business partners. Clients are, however, not required to purchase the products and services Sttoq promotes.
  1. Sttoq banking account opening is subject to identity verification. In order for a user to be eligible for a Sttoq account, they must also have a brokerage account on Sttoq. Account Services provided by Green Dot Bank and Sttoq Visa Debit card (Sttoq-Back® Card) issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association. Deposits under any trade names are deposits with all rights reserved. All rewards earned through use of the Sttoq will be fulfilled by Sttoq Investments. You will bear the standard fees and expenses reflected in the pricing of the investments that you earn, plus fees for various ancillary services charged by Sttoq. Sttoq rewards that are paid to participating customers via the Sttoq are not Insured, Not Bank Guaranteed, and May Lose Value. Sttoq reserves the right to amend this program and the terms and conditions thereof and/or cancel this program at any time, for any reason, upon notice to you. See Terms and Conditions for more details. Please see the Deposit Account Agreement for details. If applicable, your Sttoq account is a funding account for purposes of the Advisory Agreement. Your Sttoq subscription fee may be deducted from your Sttoq account balance.
  2. Early availability depends on timing of payor's payment instructions and fraud prevention restrictions may apply. As such, the availability or timing of early direct deposit may vary from pay period to pay period.
  3. A "Retirement Portfolio" is an IRA (Roth or Traditional). This is a Non-Discretionary Managed Account. Sttoq does not monitor whether a customer is eligible for a particular type of IRA, or a tax deduction, or if a reduced contribution limit applies to a customer. These are based on a customer's individual circumstances. You should consult with a tax advisor.
  4. This type of account is a Non-Discretionary Managed Account.
  5. Availability of instant money transfers may be subject to limitations. Money can be moved via instant money transfer between your personal portfolio and your Sttoq banking account. Money moved into a partition must be moved back to the bank account available balance to be used and does not earn interest.
  6. Spending Insights provided by Sttoq.
  7. Not all sttoqs pay out dividends. And there's no guarantee any sttoq will pay dividends in a quarter or year.
  8. When you Lock your card, withdrawals and purchases conducted using your card will not be authorized until you unlock your card. Some activity will continue, including your monthly fee, if applicable, debit transactions that were authorized before you Locked your card, transactions crediting funds to your account.
  9. This is a Discretionary Managed Account whereby Sttoq has full authority to manage according to a specific investment mandate. Balance" is defined by investing deposits into underweight assets, and for withdrawals, trimming overweight positions. As you deposit or withdraw funds, your portfolio can slowly be aligned to the target allocation appropriate for your risk profile by additional money movements throughout the year. The investment team at Sttoq built these portfolios with the goal of optimizing risk-adjusted returns. This is achieved by utilizing the diversification benefits highlighted by modern portfolio theory. The portfolios aim to optimize returns given a user's overall risk profile. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Sttoq does not guarantee any level of performance or that any client will avoid losses in the client's account.
  10. A "Personal Portfolio" is a taxable brokerage account. This is a Non-Discretionary Managed Account.
  11. Sttoq through the "Diversification Analysis" feature does not rebalance portfolios or otherwise manage the Personal Portfolio Account for Clients on a discretionary basis. Each Client is solely responsible for implementing any such advice. This investment recommendation relies entirely on the responses you've provided regarding your risk tolerance. Portfolio recommendations through this tool are considered personalized investment advice. No asset allocation is a guarantee against loss of principal.
  12. To be eligible to receive a Sttoq Reward through sttoq party, you must complete the account registration process and open an individual taxable brokerage account ("Personal Portfolio") that is in good standing. This program is subject to Terms and Conditions.
  13. Sttoq may receive compensation from business partners for referring Sttoq clients to such partners for the purchase of non-investment consumer products or services. This conflict of interest affects the ability of Sttoq to provide clients with unbiased, objective promotions concerning the products and services of its business partners. This could mean that the products and/or services of businesses that do not compensate Sttoq may be more appropriate for a client than the products and/or services of Sttoq's business partners. Clients are not required to purchase the products and services Sttoq promotes.
  14. If you purchase this plan, you will receive Financial Counseling Advice which is impersonal investment advice in the form of guides and educational materials about investing and financial planning, along with the ability to view the investments through the platform. In order to obtain personalized investment advice, clients are required to complete the suitability questionnaire during registration, must be approved from an account verification perspective and open a brokerage account.
  15. You may subsequently choose to open one or more investment advisory account(s). To begin investing on Sttoq, you must be approved from an account verification perspective and open a brokerage account.
• Sttoq does not offer an interest-bearing savings account.
• Fractional shares start at $0.05 for investments that cost $1,000+ per share.
• This material is not intended as investment advice and is not meant to suggest that any securities are suitable investments for any particular investor. Investment advice is only provided to Sttoq customers. All investments are subject to risk and may lose value. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.
• All individuals featured on this website are paid actors or employees of Sttoq.
• Sttoq is an SEC registered investment adviser. By using this website, you accept our Terms of Use and Privacy Policy. Sttoq's investment advisory services are available to all users. In order to open a Sttoq account, you must be at least 18 years of age. Nothing on this website should be considered an offer, solicitation of an offer, or advice to buy or sell securities. Any historical returns, expected returns or probability projections are hypothetical in nature and may not reflect actual future performance. Account holdings are for illustrative purposes only and are not investment recommendations. The content on this website does not constitute a complete description of Sttoq's investment advisory services. View a full list of available investments on Sttoq. Sttoq does not provide financial planning services to individual investors. Before investing, consider your investment objectives and Sttoq's fees and applicable custodial fees. Sttoq is not a bank or depository institution licensed in any jurisdiction. Advisory products and services are offered through Sttoq. All product and company names are trademarks™ or registered® trademarks of their respective holders. Use of them does not imply any affiliation with or endorsement by them.

STTOQ - Supplemental Terms Effective as of January 1, 2022

Applicable to customers who elect to purchase, and then maintain, STTOQ Service These STTOQ Supplemental Terms (these "Supplemental Terms"), which are entered into by you ("you" or the "Client") and certain subsidiaries of Sttoq Financial, Inc. (together, "Sttoq", "we" or "our"), sets forth certain of the terms and conditions under which Sttoq offers its Service, as further described in Section 2 below (the "STTOQ Service"), and governs certain of the non-advisory services that we provide you with respect to your participation in the STTOQ Service. Refer to the Advisory Agreement that you executed in connection with these Supplemental Terms for a description of each of the advisory services and Individual Accounts (as defined therein) included in the STTOQ Service, and the Deposit Account Agreement that you have executed, or will execute, in connection with these Supplemental Terms for a description, applicable fees, and policies, terms and conditions of the optional Sttoq account, held by STTOQ Service. There is no guarantee that you will be approved to open a Sttoq account. Account opening of the Sttoq debit account is subject to approval. Sttoq services to be made available to clients of Sttoq and its affiliates. Sttoq is not a bank or depository institution licensed in any jurisdiction. Each are only available to you if your Sttoq account is successfully opened and has been funded. Your Sttoq account must remain open and in good standing (as further described below) to continue to receive each of the foregoing. By clicking or tapping "Accept and continue" or otherwise acknowledging your consent electronically, you agree to enter into and be bound by the terms and conditions of these Supplemental Terms. PURSUANT TO THE STTOQ. ESIGN AGREEMENT (THE "ESIGN AGREEMENT") THAT YOU ARE REQUIRED TO ENTER INTO AS A CONDITION OF EXECUTING THESE SUPPLEMENTAL TERMS, CLICKING THAT YOU ACCEPT HAS THE SAME LEGAL EFFECT AS SIGNING A PAPER VERSION OF THESE SUPPLEMENTAL TERMS.

1. Amendments - YOU ACKNOWLEDGE THAT THESE SUPPLEMENTAL TERMS MAY BE AMENDED FROM TIME TO TIME. AMENDED TERMS WILL BE POSTED ON THE STTOQ WEBSITE, WWW.STTOQINVEST.COM (THE "WEBSITE") OR MOBILE APPLICATION (COLLECTIVELY WITH THE WEBSITE, THE "PLATFORM"). YOU WILL BE NOTIFIED OF AMENDED TERMS 1 BY WEBSITE POSTINGS, EMAILS LINKING TO THE WEBSITE, OTHER EMAILS, TEXT OR PUSH MESSAGES, TRADITIONAL MAIL OR OTHER MEANS OF NOTIFICATION VIA THE APPLICATION. YOU AGREE TO CHECK THE WEBSITE FOR NEW VERSIONS OF THESE SUPPLEMENTAL TERMS. YOU AGREE THAT, BY KEEPING YOUR STTOQ SERVICE WITHOUT OBJECTING IN WRITING AFTER STTOQ NOTIFIES YOU OF A NEW VERSION OF ANY TERMS, YOU WILL AGREE TO AND ACCEPT ANY AND ALL NEW OR CHANGED TERMS OR CONDITIONS.

2. If you have enrolled in the STTOQ Service and choose to participate in the Sttoq program, you will be eligible rewards. See the full Sttoq Rewards program terms for important disclosures, including what purchases qualify to earn sttoq and when and how you will receive any sttoq earned. Double Sttoq-Back will not apply to any bonus, promotional or other special categories of Sttoq-Back rewards (including, but not limited to, Stocq Rewards Bonuses Promotions) unless otherwise set forth in the terms and conditions governing such bonus, promotional or other special categories of Sttoq rewards. None of the foregoing has any responsibility to fulfill any aspect of Double Sttoq-Back. The value of any cash or sttoq rewards received by you may be taxable income to you. You are responsible for any taxes resulting from receipt of any rewards and should consult your tax advisor if you have questions about the tax treatment of any rewards. Sttoq is not responsible for any failure on your part to meet standards for qualifying for further investment. Sttoq may withhold or recover any funds if Sttoq determines that such funds were obtained under wrongful or fraudulent circumstances, that inaccurate or incomplete information was provided when opening your account, or that any terms of our Advisory Agreement, Terms of Use, or these terms have been violated.

3. In accordance with Section 1 above, Sttoq may, in its sole discretion, from time to time and at any time, amend these Supplemental Terms.

4. Other Requirements Your Sttoq account is that your we reserve the right to determine in our sole discretion whether your Sttoq account is closed and/or in good standing. We reserve the right to determine in our and/or its sole or joint discretion whether your Sttoq account is closed and/or in good standing. An account in good standing for purposes of these terms is an account for which all required opening documentation has been completed and verified, and is not locked, or restricted, or otherwise flagged in any way. If either account is closed or not in good standing for any reason at any time, any Sttoq you have will be forfeited.

5. Term and Termination These terms will terminate simultaneously with the termination of your Advisory Agreement