Terms for Analysts & Creators
Creator Eligibility
Analyst and creator accounts are subject to application review. You must provide accurate identity and payout information through PayPal onboarding, which includes PayPal's own verification during seller setup.
Content Standards & Fact-Checking
Before publication is allowed, an AI-assisted fact-checker classifies factual claims in your report (fact, unproven, opinion, or contradicted). The fact-checker does not write or edit your thesis or price target — those remain your own views.
You must complete the mandatory disclosure block on every report: position in the security, compensation tied to the call, and certification that views are your own.
Pricing & Payouts (PayPal)
Creator payouts are handled via PayPal Partner Referrals / Commerce Platform. Stoa retains a 10% platform fee on your earnings. Tax reporting obligations (e.g., 1099 or local equivalents) are your responsibility — counsel and your accountant will advise on specifics.
Track Record & Immutability
When you lock a call at publication, the record (ticker, direction, target price, horizon date, and linked report) becomes permanently immutable at the database level. This supports public accountability and MOAT score grading (Hit/Miss against real market prices on the horizon date).
You may not edit or delete locked calls after publication, including through Stoa support.
Tax & Regulatory Responsibilities
You are responsible for compliance with applicable securities, tax, and licensing laws in jurisdictions where you operate or publish. Stoa does not provide regulatory or tax advice. Counsel should advise whether your activity requires registration in your jurisdiction.
Termination
Stoa may suspend or terminate creator accounts for violations of these Terms or the Acceptable Use Policy. Published locked calls remain on the public record; account pseudonymization may apply to deletion requests per our Privacy Policy and counsel-approved GDPR process.
Contact
Creator program questions: legal@stoa.app