Pre-Bell provides educational market research tools only. Nothing on this platform constitutes financial advice, investment recommendations, or a solicitation to buy or sell any security. Always consult a licensed financial professional before making investment decisions.
By accessing or using Pre-Bell ("the Platform," "we," "us," or "our"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms in their entirety, you must immediately discontinue use of the Platform.
These Terms constitute a legally binding agreement between you and Pre-Bell. Your continued use of the Platform following any modification of these Terms constitutes your acceptance of the revised Terms.
If you are accessing the Platform on behalf of an organization, you represent that you have authority to bind that organization to these Terms, and "you" refers to that organization.
Pre-Bell is a web-based platform that provides:
The Platform is intended for educational and informational purposes only. Pre-Bell does not execute trades, manage portfolios, provide brokerage services, or offer personalized investment advice.
We strive for maximum uptime but do not guarantee uninterrupted availability. Market data may be delayed, incomplete, or unavailable during periods of high demand, API outages, or scheduled maintenance. Pre-Bell is not liable for decisions made during service interruptions.
You must be at least 18 years of age to use Pre-Bell. By using the Platform, you represent and warrant that:
Pre-Bell reserves the right to require proof of eligibility at any time and to suspend or terminate accounts where eligibility cannot be confirmed.
To access certain features of the Platform, you must create an account by providing a valid email address and password. You agree to provide accurate, current, and complete information during registration and to keep your account information updated.
You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to:
Pre-Bell is not liable for any loss or damage arising from your failure to maintain account security. We will never ask for your password via email or chat.
You may delete your account at any time through the Settings page. Upon deletion, your holdings data and personal information will be permanently removed from our systems within 30 days, subject to any legal retention requirements.
Pre-Bell is NOT a registered investment advisor, broker-dealer, or financial planner. Content on this platform does not constitute investment advice, financial advice, trading advice, or any other sort of advice.
All research briefs, risk analyses, news scores, market data, and AI-generated content are provided for educational and informational purposes only. You should not make any investment decision based solely on information from Pre-Bell.
Specifically, you acknowledge that:
Always consult a qualified, licensed financial professional before making any investment decision. Pre-Bell expressly disclaims any liability for investment decisions made based on Platform content.
Your use of the Platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference.
Holdings and allocation data you enter into Pre-Bell are stored securely in our database with row-level security enabled. Your portfolio data is used solely to:
Congressional trading information displayed on Pre-Bell is sourced from publicly available government disclosures filed under the Stop Trading on Congressional Knowledge (STOCK) Act. This data is gathered from public filings by members of the U.S. Congress and is not proprietary to Pre-Bell. We make no representations as to the completeness or accuracy of this public data.
Pre-Bell may display aggregate statistics such as "most-held tickers across the platform." These statistics represent counts of unique users holding a given ticker and never expose individual user holdings, usernames, or any personally identifiable information.
Pre-Bell integrates with the following third-party services to deliver its functionality:
Pre-Bell is not responsible for outages, errors, or policy changes from these third-party providers. Service functionality may be reduced or unavailable when third-party APIs are disrupted.
You agree not to use the Platform to:
Violation of these prohibitions may result in immediate account suspension or termination and may expose you to civil or criminal liability.
The Platform, including its design, code, features, branding, and AI-generated output templates, is the intellectual property of Pre-Bell and is protected by copyright, trademark, and other applicable laws. You may not copy, reproduce, modify, distribute, or create derivative works from any part of the Platform without our express written consent.
You retain ownership of data you input into the Platform (such as portfolio holdings). By using the Platform, you grant Pre-Bell a limited, non-exclusive license to use that data to provide the service to you, including generating research briefs and contributing to anonymized aggregate statistics.
Any suggestions, feedback, or ideas you provide regarding the Platform may be used by Pre-Bell without compensation or attribution to you.
THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
Pre-Bell does not warrant that:
Market data provided by Finnhub may be subject to exchange delays and licensing restrictions. Pre-Bell makes no representations regarding the timeliness of such data.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PRE-BELL, ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO:
THESE LIMITATIONS APPLY WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF PRE-BELL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
In no event shall Pre-Bell's total cumulative liability to you exceed the greater of (a) the total amounts paid by you to Pre-Bell in the twelve months prior to the claim, or (b) one hundred dollars ($100.00 USD).
You agree to indemnify, defend, and hold harmless Pre-Bell and its officers, directors, employees, agents, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:
Pre-Bell reserves the right to suspend or terminate your account and access to the Platform at any time, with or without notice, for any reason, including but not limited to:
Upon termination, your right to use the Platform ceases immediately. Provisions of these Terms that by their nature should survive termination (including Sections 5, 9, 10, 11, 12, and 15) shall survive.
Pre-Bell reserves the right to modify these Terms at any time. When changes are made, we will update the "Last updated" date at the top of this page. For material changes, we will provide notice via the email address associated with your account or a prominent notice within the Platform.
Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must discontinue use of the Platform.
These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Indiana, without regard to its conflict of law provisions.
Any dispute arising out of or relating to these Terms or your use of the Platform shall first be subject to good-faith negotiation between the parties. If the dispute cannot be resolved through negotiation within 30 days, either party may pursue legal remedies in the courts of competent jurisdiction.
You agree that any claim arising out of or related to the Platform must be filed within one year after such claim arose, otherwise the claim is permanently barred.
Class Action Waiver: You agree that any proceedings to resolve disputes will be conducted on an individual basis, not as part of a class, consolidated, or representative action.
If you have questions about these Terms, please contact us:
These terms were last reviewed July 10, 2026. Pre-Bell is an educational platform and is not registered as an investment advisor with the SEC or any state securities authority.