Terms of Service

Version 1.0 · effective 21 October 2026 · operator: Carl Luise, Nevada, United States (a Nevada LLC is being formed and will take over these terms when it exists)

1. The agreement

These terms are a contract between you and the operator of Bull Whistle, Carl Luise of Nevada, United States ("we", "us"). A Nevada limited liability company is being formed to operate the service; once registered it becomes the party to this agreement in his place, and we will say so here. By creating an account or using the app at bullwhistle.com you agree to these terms and to the Privacy Policy, which is part of them. If you do not agree, do not use the service.

2. Invite-only beta

Bull Whistle is in a private beta. Accounts can only be created with an address an administrator has invited. The service is free during the beta. Features will change, and some may be removed. We may end the beta, limit the number of users, or withdraw an invitation at any time. If we introduce paid plans later, we will tell you before anything is charged, and nothing will be charged without your explicit agreement.

3. Your account

• You must be 18 or older (or the age of majority where you live), and able to enter a contract.
• One account is for one person. Do not share your sign-in. The app detects an account used from several networks and device types at once and signs the other devices out; repeated sharing can close the account.
• Keep your password private and your e-mail address current. You are responsible for what happens under your sign-in until you tell us it has been compromised.
• Give us accurate information. We may suspend an account that was opened with a false identity or an address that is not yours.

4. What the service is

Bull Whistle shows market information: prices, charts, technical indicators, company financials, calendar dates, macro conditions, and grades and scores computed from them by published rules. It lets you keep watchlists, a journal and price alerts, build a model portfolio, and, optionally, see your real holdings by connecting brokerage or exchange accounts in read-only mode. It does not hold your money, route orders, or execute anything.

5. Not advice

• Nothing in Bull Whistle is investment, financial, legal or tax advice, and nothing is an offer or solicitation to buy or sell any security, token or other asset.
• The grades, scores, screens, "worlds", the assistant's answers and every other output are the mechanical result of rules applied to third-party data. They are not tailored to your situation, they do not consider your finances or risk tolerance, and they are not a prediction.
• Markets move. Past performance shown anywhere in the app is not a guide to future results. Investing can lose you money, including all of it.
• We are not registered as an investment adviser, broker-dealer or exchange in any jurisdiction. If you want advice, talk to a licensed professional who knows your circumstances.

6. Market data

• Data comes from third parties: stock, fund and economic data by Financial Modeling Prep; crypto market data by Kraken; U.S. Treasury yield data; FRED series from the Federal Reserve Bank of St. Louis; and others credited where used. Their names and marks belong to them.
• Quotes are delayed and refreshed on a schedule (hourly for most prices, daily for financials). They are not real-time and must not be relied on for timing a trade.
• Data can be missing, wrong, late or revised by the source. Where a value is missing the app shows a gap rather than a guess, but it cannot catch every error upstream.
• The data is licensed to Bull Whistle for display to you inside the app. You may not extract, scrape, store in bulk, redistribute or resell it, or use the app as a data feed for another product.

7. Broker and exchange connections

• Connecting an account is optional and at your choice. Connections are read-only: Bull Whistle asks only for the ability to read balances, holdings and, where available, trade history. It never asks for, and will never use, permission to place orders, transfer assets or change your broker account.
• Linked brokerages run through SnapTrade, a third-party service. You sign in on your broker's own site inside SnapTrade's portal; your broker password never passes through us. SnapTrade's terms and privacy policy apply to that connection alongside ours. We are not responsible for your broker's or SnapTrade's availability, accuracy or conduct.
• Where you paste an exchange API key, you must create it with read-only permissions as the add form instructs. If you create a key with trading or withdrawal rights, you do so against our instructions and at your own risk.
• Holdings shown from a connection are a snapshot taken on a schedule, and may lag your broker. Your broker's own records are the authoritative ones.
• You can remove a connection in Settings at any time, and you can revoke it from your broker's side at any time.

8. The assistant

• The assistant runs on Anthropic's Claude models and works only with an Anthropic API key you create and add yourself. Your use of it is also subject to Anthropic's terms, and the usage is billed to your Anthropic account, not to us.
• Its answers are generated text based on the data in the app. They can be wrong, and they are not advice (section 5). Check anything it says against the chart or the source before acting on it.
• You are responsible for keeping your key private, for the spend it incurs, and for removing it from Settings if you no longer want the assistant to run.

9. Your content

Your watchlists, journal entries, alerts, settings, model portfolio and connection data are yours. You give us only the permission we need to store them, sync them between your devices, and show them back to you. We do not look at them except to fix a problem you report or to keep the service secure, and we never publish them. You can export your saved setups from the app and delete everything by deleting your account.

10. Acceptable use

Do not:

• share, sell or lend your account, or let anyone else use it;
• scrape, crawl, bulk-download or redistribute the app's data, or wrap the app or its server in another product;
• probe, overload, bypass or attack the service or its security, or use another person's credentials;
• use the service for anything unlawful, including market manipulation or evading your broker's or exchange's rules;
• use the service if you are under 18 or legally barred from using it where you are.

We may suspend or close an account that breaks these rules, and we may remove content that does.

11. Availability and changes

This is beta software run by one person. We aim to keep it up, but it may be unavailable, slow, or change without notice, and data feeds may stop when a provider changes its terms or its service. We may add, change or remove features, limits and data sources at any time. We will try to give notice of changes that matter to you, by e-mail or in the app.

12. Ending the agreement

You can stop at any time by deleting your account in Settings. We can suspend or close your account for breach of these terms, for abuse, at the end of the beta, or if we stop operating the service, and we will tell you by e-mail where we can. On closure your data is deleted as the Privacy Policy describes. Sections 5, 6, 9, 13, 14 and 15 survive the end of this agreement.

13. No warranty

Bull Whistle is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, non-infringement and uninterrupted or error-free operation. We do not warrant that any data, grade, score, alert or answer is correct, complete or timely, or that it will produce any result. Some places do not allow the exclusion of implied warranties, so this section may not apply to you in full.

14. Limits on liability

To the fullest extent the law allows, we are not liable to you for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, trading losses, loss of data, or loss of opportunity, arising from or related to the service, the data in it, a connection to your broker or exchange, the assistant, or these terms, however caused and even if we were told it was possible. Our total liability to you for all claims together will not exceed the greater of the amount you paid us in the twelve months before the claim (which during the beta is zero) and one hundred U.S. dollars. Nothing in these terms limits liability that cannot be limited by law, including for fraud or for death or personal injury caused by negligence.

15. Governing law and disputes

These terms are governed by the laws of the State of Nevada, United States, without regard to its conflict-of-law rules. If we have a dispute, write to us first at [email protected] and we will try to settle it informally within 30 days. Any dispute that cannot be settled that way will be brought in the state or federal courts located in Nevada, and you and we consent to their jurisdiction, except that either side may seek an injunction or small-claims relief in any court with jurisdiction. If you are a consumer in a place whose law gives you the right to sue where you live, nothing here takes that right away.

16. General

• Changes to these terms. We update the version and date at the top. For a material change we e-mail account holders before it takes effect; continuing to use the service after that date means you accept the change.
• Whole agreement. These terms and the Privacy Policy are the whole agreement between us about the service.
• Severability. If a part of these terms is unenforceable, the rest stands.
• No waiver. Not enforcing a term is not a waiver of it.
• Assignment. You may not transfer your account or these terms. We may transfer them to the Nevada LLC being formed, or to a successor operator of the service, and will tell you when we do.
• Trademarks. Bull Whistle and its logo are the operator's marks. Broker, exchange and data-provider names belong to their owners and appear only to identify them.

17. Contact

Carl Luise · Bull Whistle · Nevada, United States · [email protected]