absolutely not. stockd.ai provides information, analysis, and educational content only. we're not licensed financial advisors, and nothing on our platform should be considered investment advice. always do your own research and consult with professionals before making financial decisions.

we have 4 distinct AI personalities: confused buddy (learns with you), bull (optimistic outlook), bear (skeptical perspective), and theta gang (options-focused). each persona analyzes markets differently, giving you multiple viewpoints. you can switch between them anytime in chat.

standard mode uses cost-effective AI models that are great for general questions and analysis. lightning mode uses premium models for instant responses and deeper insights. think of standard as your daily driver and lightning as your turbo boost for complex or time-sensitive questions.

not yet, but it's coming in phase 2. when launched, you'll be able to securely connect major brokers for portfolio insights. we'll never execute trades for you — that's always your decision on your preferred platform.

we aggregate data from multiple reliable sources and update throughout the trading day. while we strive for accuracy, there may be slight delays (usually under 15 minutes). for real-time data, always verify with your broker.

when you reach your monthly quota, you'll need to wait for the next billing cycle or upgrade your plan. we'll warn you when you're getting close (at 80% and 90% usage). unused messages don't roll over.

yes. your conversations are encrypted and tied to your account. we don't sell or share your data. we may use anonymized, aggregated data to improve our AI models, but your personal chats remain private. see our privacy policy for full details.

absolutely. no contracts, no hassle. cancel anytime from your settings, and you'll keep access until the end of your current billing period. we also offer a 7-day money-back guarantee for new subscribers.

yes, we have a 7-day money-back guarantee for first-time subscribers. if you're not satisfied within your first week, contact us for a full refund. after that, we handle refunds case-by-case for technical issues.

when someone signs up using your referral code, you both get +50 lightning credits. there's no limit to how many people you can refer. credits are added instantly and expire after 90 days.