Terms, privacy and data sources

Draft of October 25, 2026, for invited testers. It will be reviewed by a lawyer before the app opens to the public.

Not advice

Sell By The Bell Valuations shows numbers taken from public filings and market data, and how each one was calculated. It is not investment, tax or legal advice, and it does not recommend buying, selling or holding any security. Models simplify; their results can be wrong, and past figures do not predict future ones. You are responsible for your own decisions.

Subscriptions

• The Full plan is a monthly subscription, billed through Stripe. Card details go to Stripe and never reach this app.
• New subscribers get a 7-day free trial. You are charged at the end of the trial unless you cancel before it ends.
• Cancel any time from “Manage subscription” at the top of the page; the Full plan stays open until the end of the period already paid.
• Refunds: ask by email within 14 days of a charge and it will be refunded.
• Market data is provided as is, without any guarantee that it is complete, accurate or always available. If a data source becomes unavailable, features that depend on it may stop working for a time.

What the model can and cannot tell you

The app’s valuation model was tested the way it would have been used: at each annual report from 2016 to 2025, for about 100 large US companies, using only the information available on that day. Its return did not predict which stocks went on to beat the S&P 500. The model is a way to see what a price assumes about future earnings, not a forecast of returns. Each stock’s own history is on its Backtest tab.

Accuracy

Figures come from the sources below and can contain errors, delays or gaps, including errors in the companies’ own filings. Where an input is missing, the app may use a named substitute, marked with an asterisk on the card. Check anything important against the original filing, which every card links to.

Use of the app

Access is by invitation, for personal use while the app is being tested. Do not share your access with others, copy the data in bulk, or use the app to build another service. Access can be withdrawn at any time. The app is provided as is, without warranties, and to the extent the law allows, its owner is not liable for losses arising from its use.

Privacy

• Your watchlist, settings and required returns are saved only in your own browser, on your device. They are not sent to or stored on a server.
• When you sign in with Google, the app receives your name and email address to check that you were invited. It keeps them only in a signed cookie in your browser for up to 30 days. There is no user database.
• Each lookup sends the ticker to the data sources below. The hosting provider (Vercel) keeps standard technical logs, such as the time and address of each request.
• The app counts page views with Vercel Web Analytics and measures loading speed with Vercel Speed Insights: which pages and stocks are viewed, how fast they load, the kind of device and browser, and the country. Neither uses cookies or identifies you.
• No advertising, no tracking for advertising, and no sale of data.

Data sources

• Company filings: U.S. Securities and Exchange Commission, EDGAR (public data).
• Interest rates: U.S. Department of the Treasury, daily par yield curve (public data).
• Prices, company profiles, analyst estimates, earnings dates and options: Yahoo Finance. Not licensed for redistribution; used only while the app is being tested, and to be replaced by a licensed source.
• Company logos: Logo.dev.

Contact

Questions about the app or this page: ask the person who invited you.