Terms of Service
Last updated: February 2026
1. Acceptance of Terms
By accessing or using moat.ch ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.
2. Description of Service
moat.ch provides a web-based financial data platform for fundamental analysis, including access to financial statements, custom formula creation, stock screening, and watchlist features.
3. Accounts
You must create an account to use the Service. You are responsible for maintaining the security of your account credentials. You must provide accurate information and keep it up to date.
4. Subscriptions and Billing
The Service is offered on a subscription basis with a 7-day free trial. Payment details are required at signup, but you will not be charged until the trial period ends. After the trial period, your subscription will automatically convert to a paid subscription unless cancelled. Subscriptions renew automatically unless cancelled before the renewal date.
You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial billing periods.
5. Acceptable Use
You agree not to:
- Use the Service for any unlawful purpose
- Attempt to gain unauthorized access to the Service or its systems
- Scrape, crawl, or use automated tools to extract data from the Service
- Resell or redistribute data obtained from the Service
- Interfere with or disrupt the Service or its infrastructure
6. Intellectual Property
The Service, including its design, code, and content, is owned by moat.ch and protected by applicable intellectual property laws. Financial data is provided under license from third-party data providers.
7. Important Disclaimer — Not Financial Advice
The Service is provided for informational and educational purposes only. No content on moat.ch — including financial data, charts, analysis tools, screeners, formulas, or any other information — constitutes financial, investment, tax, or legal advice.
No recommendation to buy, sell, or hold. Nothing on the Service should be construed as a recommendation, solicitation, or offer to buy, sell, or hold any security, investment product, or other financial instrument. Any reference to a particular security or investment is not a recommendation.
You are solely responsible for your investment decisions. You alone must evaluate the merits and risks of any investment based on your own objectives, financial situation, and needs. moat.ch is not a fiduciary and owes no duty to you regarding the suitability of any investment.
Consult a qualified professional. Before making any investment decision, you should consult with a qualified financial advisor, tax professional, or other licensed professional who can assess your individual circumstances.
Past performance is no guarantee of future results. Historical data, backtested results, or any performance information shown on the Service should not be relied upon as an indicator of future performance.
Data accuracy. Financial data is sourced from third-party providers and may contain errors, omissions, or delays. We make no representations or warranties regarding the accuracy, completeness, reliability, or timeliness of any data. You should independently verify any information before relying on it.
Investment risk. All investments carry risk, including the potential loss of principal. The value of investments can go down as well as up.
8. Limitation of Liability
To the maximum extent permitted by law, moat.ch shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service, including but not limited to loss of profits, data, or investment losses.
9. Modifications
We reserve the right to modify these Terms at any time. We will notify users of material changes via email or through the Service. Continued use after changes constitutes acceptance of the updated Terms.
10. Termination
We may suspend or terminate your account at any time for violation of these Terms. Upon termination, your right to use the Service ceases immediately.
11. Governing Law
These Terms are governed by and construed in accordance with the laws of Switzerland. Any disputes shall be resolved in the courts of Zurich, Switzerland.
12. Contact
For questions about these Terms, contact us at support@moat.ch.