Legal Notice and Terms of Service

MonkStreet is operated from Spain by a small team. This page explains who we are, the rules for using the platform, and the terms that apply when you subscribe to a paid plan. We've tried to write it in plain English — legal pages don't have to be painful to read.

These terms apply from 22 October 2026. The "Last updated" date at the top of this page is the date of this text.

Who we are

MonkStreet is a product operated by Gestoría Administrativa C.G., S.L.P., a Spanish company.

• Trade name: MonkStreet
• Legal name: Gestoría Administrativa C.G., S.L.P.
• Tax ID (NIF): B87121075
• Registered address: Av. de Alberto Alcocer, 40, 1º izquierda, Chamartín, 28016 Madrid, Spain
• Registry: Mercantile Registry of Madrid, sheet M-591216, volume 32843, folio 91, section 8, entry 1 (registered 18 November 2014)
• Phone: +34 911 923 550
• Email: [email protected]
• Website: https://monk.st

This section is our Legal Notice. On this page, in our Privacy Policy and our Disclaimer, on our websites, in the app and in our emails, "MonkStreet", "we" and "us" mean this company, Gestoría Administrativa C.G., S.L.P., which operates the MonkStreet platform. The fastest way to reach us about anything in this document is email at [email protected]. You can also use the contact form at monk.st/contact.

This information is published in compliance with Article 10 of Spanish Law 34/2002 on Information Society Services and Electronic Commerce (LSSI-CE).

What MonkStreet is — and what it isn't

MonkStreet is a research and information platform. We use a quantitative scoring system (MonkScore™) to analyze publicly traded companies and present the results in a way that's faster and clearer than reading raw financial statements. That's it.

MonkStreet is not:

• a bank, broker, or investment firm
• a registered investment advisor in any jurisdiction, including the United States, where the SEC and state regulators require specific registration for personalized investment advice
• a personalized financial advisor
• a service that tells you, personally, what to buy, sell or hold

What we provide is information. Scores, data, and analysis based on public financial filings. You decide what to do with that information. If you want personalized investment advice tailored to your situation, please talk to a licensed financial advisor in your country.

We say this clearly and up front because the line between "information" and "advice" matters legally. MonkStreet is on the information side of that line, and nothing on the platform should be interpreted as a personal recommendation.

Our scores, rankings, sealed quarterly lists and the MonkStreet method (for example, that a MonkScore of 98 or more is the method's buy zone and under 90 its exit zone) are general statements about a model. They are the same for every user who can see them, we publish them on a regular schedule, and they don't take into account anyone's circumstances, goals or holdings. If you add holdings, MonkStreet compares each one with an exit line (90, the method's exit zone, unless you set another) and tells you when a holding's score goes below its line. It doesn't judge whether a stock or a line suits you, and it doesn't ask you what you did.

Using the platform

Who can use MonkStreet

You need to be at least 18 years old and legally able to enter into contracts in your country to use MonkStreet. The platform is intended for adults making their own informed financial decisions. When you create an account, you confirm that you are 18 or older, and we keep a record of that confirmation. MonkStreet is not directed at children, and we don't knowingly collect personal data from anyone under 18. If we learn that an account belongs to someone under 18, we close it and delete its data, except records the law requires us to keep (see our Privacy Policy).

We're happy to have users from anywhere in the world, but we operate from Spain under Spanish law. If using a service like MonkStreet requires a special license or registration in your country, it's your responsibility to make sure you're allowed to use us. We don't hold an investment advisor registration or license in any country, including Spain and the United States. We believe we don't need one, because what we publish is general and not adapted to anyone, and we don't give personal advice.

Your account

Your MonkStreet account is personal. Don't share your login. Keep one account per person. Don't try to game the system with multiple accounts, fake identities, or anything along those lines — we'll close the account if you do. On the Advisor plan, each seat is for one named person (see "Seats").

If you sign in with Google, you're authorizing Google to share your basic profile (name, email, profile picture) with us so we can create and authenticate your account.

What you agree not to do

When you use MonkStreet, you agree not to:

• use the platform for anything illegal
• attempt to access other users' accounts or data
• scrape, mass-extract, or systematically download data from the platform, except through the download features we provide and within the limits in "Downloads and third-party data"
• upload or transmit anything illegal, harmful, defamatory, harassing, or that violates anyone's rights
• interfere with the platform's operation, distribute malware, or attack our infrastructure
• impersonate anyone else
• use the platform in a way that breaks these terms or applicable law

If you do any of these things, we can suspend or close your account.

What other users share

Some features let you share what you make with other MonkStreet users. Today that is a screener, with the name and description you give it: anyone signed in who opens its link can see them. What you share must follow these terms, and you are responsible for it. We don't review or approve what users write before others see it, and a shared screener shows a notice that says so.

Reporting content. If you think something a user shared is illegal or breaks these terms, press "Report this screener" on it, or write to [email protected]. Tell us where it is and why you think it is illegal or breaks these terms, give your name and email address, and confirm that you believe what you tell us is accurate and complete. We don't use automated tools to moderate what users share: a person reads each report. We may remove the content, or suspend or close the account that shared it (see "What you agree not to do"). We tell the person who reported it, and the person who shared it, what we decided and why, unless the law stops us. Either of you can ask us to look at the decision again by replying to our email, and you can always go to court.

Contact point. Under the EU Digital Services Act, our single point of contact, for users and for the authorities of the EU member states and the European Commission, is [email protected]. You can write to us in English or Spanish.

Service availability

We work hard to keep MonkStreet running well, but we can't promise it'll be available 100% of the time or completely free of bugs. We provide the platform as it is at any given time and as it's available. Beyond what we describe on the pricing page and in these terms, we don't promise that the data is free of errors or that the service will suit every purpose you might have. If you're a consumer, this doesn't affect your legal guarantee: the paid service must match its description and be fit for its usual purpose for as long as we supply it. If it doesn't, you can ask us to fix it. If we don't, you can get a price reduction or end the contract. Things break sometimes. When they do, we fix them.

Information accuracy

We pull financial data from third-party providers and do our best to make sure it's accurate. But errors happen — in our calculations, in the source data, or in how we present things. We don't guarantee that everything you see on MonkStreet is correct, and we recommend verifying anything important before making decisions based on it.

Past performance of the MonkScore methodology, like past performance of any investment strategy, does not guarantee future results.

Transparency and conflicts of interest

You should know that the people behind MonkStreet — and any future employees, contractors, or partners — may personally hold positions in stocks that appear on the platform. We might own shares in companies with high MonkScores, low MonkScores, or anywhere in between. This is a real conflict of interest, and we're disclosing it openly because that's the honest thing to do.

We don't trade against our users, we don't use the platform to pump positions we already hold, and we don't accept payment from companies to influence their scores. But you should know we have skin in the game.

Every company is scored by the same model, and we never adjust a score by hand. Our Methodology page explains how the scores are made, and our Disclaimer says who is responsible for them and what our interests are. Next to every score and ranking, "How this score is made" links to the Methodology page and "Disclaimer" links to the Disclaimer.

Limitation of liability

MonkStreet gives you information, not advice, and the investment decisions are yours. So we are not liable for investment or trading losses, or missed gains, that come from decisions you make using the platform. Nor are we liable for indirect losses that neither of us could reasonably foresee when you accepted these terms.

Apart from that, if we're liable to you, our total liability is limited to the amount you paid us for the service in the 12 months before the issue arose. If you've never paid us anything, it is limited to 100 US dollars. These limits don't apply if you're a consumer in the European Union, the European Economic Area or the United Kingdom.

None of this limits or excludes our liability for death or personal injury, for fraud or willful misconduct, for gross negligence, or for anything else the law doesn't let us limit or exclude. If you're a consumer, it also doesn't take away your legal rights, including rights that can't be waived by contract. These include your rights if the service doesn't match what we agreed (lack of conformity), and your right to compensation for damage that a lack of conformity causes.

If you live in New Jersey: the exclusions and limits in this section, and the limits in "Service availability" under "Using the platform", apply only as far as New Jersey law allows; any part that New Jersey law doesn't allow does not apply to you, and the rest still does.

Links to other websites

MonkStreet may link to other websites for your convenience. We don't control those sites and we're not responsible for their content, accuracy, or practices. A link from us isn't an endorsement.

Intellectual property

Everything on MonkStreet — the MonkScore methodology, the platform code, the design, the content, the trademarks, the data presentation — belongs to us or to the third parties we license from. What you may do with it is set out in "Your license (Investor plan)" and, for the Advisor plan, in "Professional license". If you have an account but no plan, you may use the parts of MonkStreet open to you for your own research, under the same limits as the Investor license. Beyond those licenses, you may not copy our content for commercial purposes, redistribute our scores, scrape our data, reverse-engineer our methodology, or build a competing product using anything you got from us.

If you think we've infringed someone's intellectual property, please tell us through the contact form and we'll investigate. If you think something another user shared infringes your rights, report it as described in "What other users share".

If part of this document is invalid

If any part of these terms is found unenforceable or invalid by a court, the rest of the terms remain in effect.

Disputes and applicable law

If something goes wrong, write to us first at [email protected]. Most things can be sorted out by email.

These terms are governed by Spanish law. The rest of this section depends on who you are.

Consumers in the EU, the EEA or the UK. You keep every protection that the mandatory consumer laws of the country where you live give you. You can bring a claim in the courts of the place where you live, or in Madrid, Spain, and we can bring a claim against you only in the courts of the place where you live. Nothing in these terms makes you use arbitration or stops you from taking part in a collective or representative action that the law allows.

Consumers in the United States. Nothing in these terms takes away a protection that the consumer laws of your state give you and that can't be waived by contract, including any right those laws give you to bring a claim in your state's courts. Otherwise, the courts of Madrid, Spain have jurisdiction.

Business customers, including the Advisor plan, and everyone else. The courts of Madrid, Spain have exclusive jurisdiction, as far as the law allows the parties to agree this.

Complaints. Send complaints to [email protected], call +34 911 923 550 or write to our postal address in "Who we are". We confirm we received your complaint by email, with a reference number, and answer within 15 days.

Out-of-court resolution. We don't belong to an out-of-court dispute resolution scheme. If we can't solve your complaint, we'll tell you in writing which accredited body can handle it, and whether we'll take part.

Plans, trials and payment

This part applies when you start a free trial or pay for a MonkStreet plan. It sits alongside the rules for using the platform above. Everything on this page together is our Terms of Service, and "these terms" means all of it. Current prices, and what each plan includes, are on the pricing page.

Plans and who they are for

MonkStreet sells two plans:

• Investor is for one person who invests their own money. It is for personal use only.
• Advisor is for firms and people who manage money for clients. It is for professional and commercial use, and it has seats for several people. The section "Advisor plan (business customers)" below applies to it.

You "manage money for clients" if you decide on, or advise on, investments for another person or organisation as part of your work — for example as a registered investment adviser, wealth manager, fund manager, family office or broker.

When you sign up, we ask you one question: "I manage money for clients". Your answer is your own declaration. We rely on it, and we do not check it. If you tick the box, your plan is Advisor. If you don't, your plan is Investor. You can change your answer in Settings → Account whenever you have no trial or subscription in progress.

If you start to manage money for clients later, you must move to the Advisor plan (see "Moving from Investor to Advisor" in "Price and plan changes"). Using an Investor plan to manage money for clients breaks these terms. If we see that this happens, we will ask you to move to the Advisor plan. If you do not move within 30 days, we may end your subscription under "Termination by us".

What you're buying

Your plan includes what the pricing page describes on the day you buy or renew. We may add features at any time. During a term you have paid for, we do not raise your price or take away the main features of your plan. We change prices and plan contents only at renewal, and only after written notice (see "Price and plan changes").

How the contract is made. You accept these terms when you create your account, when you start a plan at checkout, and when you join a firm. When you accept them, we keep a record of the version you accepted and when. To start a plan:

1. Choose a plan on the pricing page or in the app. Before you go to checkout, you tick a separate box to agree that your plan renews automatically until you cancel, and we keep a record of that agreement, as our Privacy Policy describes.
2. You go to the secure checkout page of our payment provider, Stripe. It shows the plan, the price and how often you'll be charged. There you enter your payment details and billing address, and you tick the box to accept these terms. Until you press the payment button you can correct any of them, or leave without paying.
3. Pressing the payment button places your order. With the free trial, it starts your trial and commits you to pay when the trial ends unless you cancel; without a trial, it commits you to pay at once. The contract is made at that moment, also when it starts with the free trial.
4. We confirm your trial or your subscription by email, with a copy of these terms attached, including the model withdrawal form, so that you have a copy you can keep.

Your copy of these terms. These terms stay available on this page, and you can save or print it at any time. We don't keep earlier versions of these terms on our website. When you subscribe, the confirmation email includes the version you accepted, so please keep it.

Language. These terms are written in English, and your contract with us is made in English.

Your license (Investor plan)

We give you a personal, non-exclusive, non-transferable license to use MonkStreet for research and decisions about your own money, while your plan is active. The license is for one person. You may not:

• use MonkStreet to manage, or advise on, money for anyone else
• use it in a business or for a commercial purpose
• share your login, or give anyone else access to your account

You may show a single score or a single card image to someone else in a personal, non-commercial way, with credit to MonkStreet.

Downloads and third-party data

Some screens let you download a file, for example the screener results as a CSV. A download contains only MonkStreet's own current scores — the MonkScore and its five pillars — and basic identifiers such as the company name and ticker. It never contains score history or third-party data.

You may use a download only under your plan's license. You may not publish, resell or share downloads in bulk, combine them into a database, or use them to build a product or to train a model.

We show financial data from third-party data providers, for example financial statements, prices and analyst data. This data is for viewing on MonkStreet only. It is not licensed to you for download, copying or redistribution. Score history can be viewed but not downloaded.

Score history

Both plans, Investor and Advisor, include the score history for any stock on any date: the MonkScore and its five pillars that our database holds for that company and date. You can view it; you cannot download it.

Free trial

Both plans start with a 14-day free trial. To start it, you add a payment card. We do not charge you during the trial. When the trial ends, we charge the price of your plan for the first term — one year, or two years on the Investor two-year plan — unless you cancel before the trial ends.

We email you when your trial starts, and again about 7 days before it ends (never less than 3 days before), with the amount and the date of the first charge.

You can cancel during the trial in one click in Settings → Billing. If you cancel during the trial, your access ends at once, and we charge you nothing. Your trial credits end at the same time. On the Advisor plan, when the firm owner cancels during the trial, access ends at once for every seat in the firm.

Each person can have the free trial once. If you had a paid or gifted MonkStreet subscription before, or you cancelled a trial, your new subscription starts without a trial: we charge you when you subscribe, and your first charge is covered by the money-back guarantee. A free trial that did not ask for a card, which you had before we introduced these plans, doesn't count: you can still start this trial once.

Billing, renewal and cancellation

We bill in advance, in US dollars. Prices for consumers in the EU and the UK include VAT. For customers in other countries, prices do not include sales tax or similar taxes. Where we must collect such taxes, we add them at checkout and show them before you pay. There is no monthly billing. The Investor plan is billed every year, or every two years on the Investor two-year plan. The Advisor plan is billed every year.

Automatic renewal. Your plan renews automatically at the end of each term, for a term of the same length, until you cancel. It renews at the price you pay now, unless we have told you in writing at least 60 days before the renewal that the price or the plan will change. You can cancel at any time before the renewal. The Investor two-year plan renews automatically for another two years at the two-year price in force at the renewal, until you cancel. When you subscribe, you allow us to charge your card for each renewal until you cancel.

Renewal reminder. At least 30 days before each renewal, and no more than 40 days before it, we email you that your plan will renew unless you cancel, with the renewal date, the length of the next term, the amount and how to cancel. During each term of the Investor two-year plan, we also email you once, about a year after the term starts, with what your plan includes, how much and how often you are charged, and how to cancel.

Cancelling. You can cancel at any time in Settings → Billing, in one click. If you cancel after your first payment, your plan stops at the end of the term you have paid for, and you keep access until then. A cancel during the free trial ends access at once (see "Free trial"). We do not refund the rest of a term, except under the money-back guarantee or where the law requires it.

Price and plan changes

We review our prices and plans once a year. We may change the price of a plan or what it includes. A change applies to you only from your next renewal — never to a term you have already paid for — and we tell you by email at least 60 days before that renewal. If the price changes, we email you again between 7 and 30 days before you are first charged the new price, with the new price and how to cancel. If you do not want the change, you can cancel before the renewal.

Moving from Investor to Advisor. You can move during a trial or a term with "Move to Advisor" in Settings → Billing. Before you confirm, we show you about how much you will pay today and, if it changes, your new renewal date, and you tick a box to agree that the Advisor plan renews automatically. We charge the difference at once, for the rest of your term. On the Investor annual plan, your renewal date stays the same. On the Investor two-year plan, a new one-year Advisor term starts that day, and we deduct the unused part of your two-year term. During the free trial, you pay nothing until the trial ends. A subscription that started before these plans cannot move in the app: write to [email protected].

Money-back guarantee

If you are not happy, you can have your money back. Ask within 30 days of a subscription charge, and we refund that charge in full to the card you paid with. The guarantee covers:

• your first charge — when your trial ends, or at checkout if you had no trial
• each renewal charge

It does not cover charges for seats added during a term, or for a change of plan during a term.

To ask, write to [email protected] from the email address of your account, or reply to your receipt email. A refund ends your subscription and your access at once.

Credit top-ups have their own refund rule (see "Credits").

Your right of withdrawal (EU, EEA and UK consumers)

If you are a consumer in the European Union, the European Economic Area (Iceland, Liechtenstein and Norway) or the United Kingdom, you can withdraw from your subscription within 14 days of the day you subscribe, without giving a reason. This is your right under EU Directive 2011/83/EU and Spanish consumer law (Real Decreto Legislativo 1/2007), and, in the United Kingdom, under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013.

The 14 days start on the day you subscribe, also when you start with the free trial. Cancelling the trial in Settings → Billing counts as withdrawing: if you cancel during the trial, you pay nothing. If you subscribe without a trial, or if your first charge falls within the 14 days, you can still withdraw within 14 days of subscribing. Any clear statement works: press "Withdraw from contract here" in Settings → Billing and then "Confirm withdrawal", email [email protected], or use the model form below. Sending it within the 14 days is enough. We confirm receipt by email ("We received your withdrawal"). Our money-back guarantee then refunds the full charge, with no deduction for the days you used, within 14 days, to the payment method you used.

Credit top-ups. When you buy a top-up, the checkout asks you to tick "I want my credits now. I understand that I lose my right to withdraw from this purchase once I use any of them." We add the credits at once, and we confirm your purchase and this choice by email. If you are a consumer in the EU, the EEA or the UK, then as long as you haven't used any of a top-up's credits, you can withdraw from it within 14 days of buying it, without giving a reason, and we refund it in full. Once you use any of them, the right of withdrawal ends for that top-up.

Model withdrawal form. You can tell us in any clear way, for example by email. You can also use this form, but you don't have to. Fill it in and send it only if you want to withdraw (our full details are in "Who we are"):

To: MonkStreet, Av. de Alberto Alcocer, 40, 1º izquierda, Chamartín, 28016 Madrid, Spain. Email: [email protected]

I hereby give notice that I withdraw from my contract for the provision of the following service: ______ (your MonkStreet plan, or a credit top-up)

Ordered on: ______

Name: ______

Address: ______

Email of my MonkStreet account (optional): ______

Signature (only if you send this form on paper): ______

Date: ______

This right does not apply to business customers, including the Advisor plan, unless the law treats you as a consumer (see "Business use").

Credits

Some features, such as AI deep dives, use credits.

• Monthly credits. Your plan gives you credits during the trial, and then every month from your first payment. The numbers are on the pricing page and in Settings → Usage. Each month's credits expire 12 months after they arrive. We always use your oldest monthly credits first.
• Bought credits (top-ups). While you pay for a subscription, you can buy extra credits. You cannot buy them during the trial. Top-ups are sold in US dollars only. Bought credits do not expire. We use them only after your monthly credits.
• Credits we give you. Credits that we add to your account ourselves, for example as a goodwill gesture, follow the rules for bought credits: they do not expire, we use them after your monthly credits, and you need an active subscription to use them. They cannot be refunded.
• Active subscription needed. You can use credits only while your trial or subscription is active. When your subscription ends — you cancel, we refund it, or a payment fails for good — the monthly credits you have not used end with it. In each of these cases, your bought credits stay on your account, and you can use them again when you subscribe again.
• Opening deep dives. Opening a deep dive costs 1 credit, whether the deep dive already exists, is being made, or is new. If the latest deep dive on a company is from an earlier day, you choose: open that deep dive, or make a new one. Both cost 1 credit. We show the deep dive's date before you pay. Reading a deep dive you have already paid for again is free. There is a daily limit on making new deep dives. If a deep dive fails, we return the credit.
• Top-up refunds. We refund a top-up if you ask within 30 days of buying it and you have not used any of its credits. If you're a consumer in the EU, the EEA or the UK, you can also withdraw from a top-up within 14 days while you haven't used any of its credits (see "Your right of withdrawal (EU, EEA and UK consumers)").
• Credits have no cash value. You cannot sell, transfer or exchange them. If you delete your account, we delete all your credits, including bought credits.

Failed payments

If a payment fails, we email you and try again. After a failed renewal, you keep access for up to 14 days while we try. If the payment still fails, your access stops until a payment succeeds. If the first payment after your trial fails, your access stops until you update your card and the payment succeeds. If you cancel while a payment has failed, your plan ends at once and we don't charge you.

Payment processing

Payments are handled by Stripe (Stripe Payments Europe Ltd., Ireland; Stripe also processes data in the United States). We never see or store your full card number, your CVV or your full bank account number — Stripe handles all of that directly. Stripe shares some details with us, such as your customer ID, your billing name and address, your payment history and receipts, and, for a card, its brand, last four digits and expiry date. Our Privacy Policy lists them all.

For Spanish tax compliance, Stripe collects the billing information required by Spanish law on our behalf.

Deleting your account

You can delete your account in Settings → Account. If you have an active subscription, deleting your account cancels it at once. We do not refund the rest of the term. If your last subscription charge was less than 30 days ago, ask for the money-back refund first: after deletion we may not be able to find your payment.

Deleting your account deletes your data as described in our Privacy Policy, including all your credits. It cannot be undone. If you own an Advisor firm, see "Leaving a firm".

Termination by us

We may suspend or terminate your subscription if you breach these terms, attempt fraud, miss payments, or if we're legally required to. We may also end the service entirely if MonkStreet shuts down — we hope it won't, but we have to acknowledge the possibility. If we decide to close MonkStreet, we'll try to email you at least 30 days before. If the law, a court or a provider we depend on forces us to stop sooner, we'll tell you as soon as we can. If we terminate you for reasons that aren't your fault — like the service shutting down — we'll refund the unused portion of any subscription you've paid for.

Subscriptions and trials started before these plans

If your MonkStreet subscription started before we introduced the Investor and Advisor plans (for example, a Premium subscription), it moves to the Investor plan at its first renewal after these terms start to apply, at the Investor annual price in force on the day they start to apply. After that, its price can change only as described in "Price and plan changes". Everything else in these terms applies to it, as for an Investor plan: credits, failed payments, the money-back guarantee, cancelling and emails.

If your free trial started before we introduced the Investor and Advisor plans and did not ask for a card, it runs until its end date, or until you start a plan, whichever comes first. When you start a plan, what is left of it ends; the plan's own free trial starts instead if you can have one (see "Free trial").

Changes to these terms

We may update these terms for a valid reason: a change in the law or in a court's or regulator's decision, a change to our plans, features or data providers, security, or to make the terms clearer. If a change is material, we email everyone who has a trial or a subscription at least 60 days before it takes effect, unless the law requires a faster change, and explain what changes. If you don't accept it, you can end your subscription before it takes effect, and we refund the unused part of any term you've paid for. Price and plan changes follow "Price and plan changes". Minor edits, such as typos and clarifications, need no notice. The "Last updated" date at the top of this page shows the current version. It is also the version we record when you accept these terms.

Communications

By subscribing, you agree that we can email you about your account, your trial, your subscription, renewals, payments, price or plan changes, and important service updates. These emails are operational, not marketing. If you add holdings, we also email you a short summary of them every Sunday; you can turn it off in Settings → Alerts. We also send account holders emails, through our email tool Kit, that help you get started and use MonkStreet, such as trial reminders. We send our newsletter and other offers only if you opted in. You can refuse the Kit emails when you sign up, by ticking "Don't send me tips and offers about MonkStreet by email", and then we send you none of them. Each of them carries our postal address and an unsubscribe link, so you can also stop them at any time. Our Privacy Policy explains how we choose these emails.

Assignment

If MonkStreet is acquired, restructured, or transferred to another legal entity, your subscription and these terms transfer to the new entity automatically. We'll let you know if this happens, and you can cancel without penalty if you don't want to continue with the new entity, with a refund of the unused part of any period you've paid for.

If we can't deliver what you paid for

If for any reason we can't deliver something you've paid for, we'll let you know and refund the part you paid for and didn't get.

Advisor plan (business customers)

This section applies to the Advisor plan. If it conflicts with the rest of these terms, this section wins for the Advisor plan.

The firm is the customer

You buy the Advisor plan for a firm: a company, a partnership, or a person in business. When you buy it, you confirm that you may accept these terms for the firm. The firm is our customer and pays for all its seats. In MonkStreet, the person who buys is the firm owner.

Business use

The Advisor plan is for business use only, so the consumer rights that protect people buying for their private use, including the right of withdrawal, do not apply to it. If the law treats you as a consumer anyway, those rights still apply to you. The free trial and the 30-day money-back guarantee do apply.

Seats

The plan includes the number of seats shown on the pricing page, and the firm owner can buy more. Each seat is for one named person. A seat cannot be shared, and a login is never shared. The firm owner uses one seat, invites members by email, and can remove a member at any time. A pending invitation holds a seat. A removed member keeps their own MonkStreet account but loses access to the firm's plan, and the seat can go to someone else.

Seats added during a term are charged at once, for the rest of that term. Seats added during the free trial are charged with your first payment. An invitation that is not accepted expires after 14 days. Seats removed during a term stay paid until renewal; we do not refund them. If you lower your seats, the lower number applies to new invitations at once and to billing at renewal. If you add seats back before renewal, you don't pay again for seats already paid this term.

Every member accepts these terms, including this section, when they join the firm.

Professional license

We give the firm a non-exclusive, non-transferable license, while its subscription is active, for its seat holders to use MonkStreet in the firm's business, including research and advice for the firm's clients.

The firm may quote the MonkScore and the five pillar scores of a company in its own communications with its clients and in its compliance records — one company at a time, with the date and the credit "Source: MonkStreet". The firm may not:

• include deep dive text, or third-party data taken from MonkStreet
• publish, resell or redistribute MonkStreet scores or content in bulk, or as a data feed or a product
• build a database from MonkStreet content
• give access to anyone who does not hold a seat

Your advice stays yours

MonkStreet gives the same general information to every user. It does not know your clients and gives no advice about any person's portfolio. You are responsible for the advice you give, for your suitability assessments, and for your own regulatory and record-keeping duties. MonkStreet does not replace any of these.

Firm credits

The firm has one credit balance for all its seats. The firm receives the monthly credits of the plan, plus monthly credits for each extra seat, as the pricing page shows. A deep dive that any seat opens belongs to the whole firm, and every seat can read it again for free. The rules in "Credits" apply.

Service

The Advisor plan includes an onboarding call, priority email support, and a quarterly group session on the state of the model, as the pricing page describes. The response times on the pricing page are targets, not guaranteed service levels. The call and the sessions explain how MonkStreet and its method work. They are general. They are not advice about your clients or about any portfolio.

Leaving a firm

A member can leave a firm at any time. The firm owner cannot delete their own account while the firm has other members or pending invitations: first remove the members and cancel pending invitations. A member who leaves or is removed keeps their own account and data. Deep dives they opened for the firm stay with the firm. After the firm's Advisor plan ends, the owner can close the firm once no members or invitations remain; the firm comes back if the owner subscribes to Advisor again.

Invoices and tax

We don't send invoices automatically. If you need an invoice, email [email protected] and we'll issue one, with the billing name and address given at checkout.