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Rolltop Terms of Use

Effective October 28, 2026 · Version 1

These Terms of Use (“Terms”) are an agreement between you and StackRef Inc., a Delaware corporation (“StackRef,” “we,” “us”), the publisher of the Rolltop app for iPhone, iPad and Mac (“Rolltop” or the “App”). By installing or using Rolltop you agree to these Terms. If you don’t agree, don’t use the App.

1. What Rolltop is, and what it isn’t

Rolltop is software that displays information from your own brokerage account and lets you send orders to your broker yourself. It is a tool. It carries out the settings and rules you choose.

  • StackRef is not a broker-dealer, investment adviser, or financial planner. StackRef is not registered with the U.S. Securities and Exchange Commission, FINRA, or any state securities regulator, and is not a member of FINRA or SIPC.
  • Rolltop does not provide investment, financial, tax, or legal advice. Nothing in the App, including labels such as “Roll now,” “Watch,” “Let expire,” or “Allow assignment,” a preselected roll, an alert, a summary, a chart, or any other content, is a recommendation to buy, sell, hold, or roll any security or option. Those labels and preselections come from rules and thresholds you set in the App’s settings and are applied mechanically to the data the App receives.
  • Rolltop is not personalized to your financial situation. It does not know your goals, risk tolerance, tax situation, or anything beyond the account data your broker provides.
  • StackRef never holds your money or securities and receives no compensation based on your trades.

You should consult a licensed professional before making investment decisions.

2. Eligibility

You must be at least 18 years old and the legal age of majority where you live, and you must hold your own brokerage account in good standing. You may use Rolltop only with accounts you own or are authorized to trade.

3. Your brokerage account and credentials

Rolltop connects to your broker’s application programming interface using a developer application you register with your broker and the sign-in you complete with your broker. Your app key, secret and sign-in tokens are stored in your device’s Keychain (and, if you use iCloud Keychain, synced among your own devices). StackRef never receives them.

You are responsible for keeping your devices, credentials, and any exported sign-in file secure, and for complying with your broker’s terms, including the developer terms that apply to your developer application. StackRef is independent and is not affiliated with, endorsed by, or sponsored by any broker.

Your broker handles your account. Questions about your brokerage account, orders, transactions, or balances, and any problem or dispute involving them, are for your broker. StackRef can’t answer them or resolve them.

4. You are responsible for every order

  • Every order is yours. Orders are placed only when you confirm them, and they go directly from your device to your broker under your credentials. You are solely responsible for reviewing each order (symbol, side, quantity, price, expiration, strike, account, and duration) before you send it, and for every trade and its consequences, including losses, assignment, exercise, margin calls, taxes and fees.
  • Check your broker. Confirm orders, fills, positions, and balances in your broker’s own apps or website. Your broker’s records control.
  • Things go wrong. Orders can be rejected, delayed, partially filled, filled at a different price, or not sent at all because of software defects, network or broker outages, stale or incorrect data, device settings, or other causes.

5. Data, alerts and calculations may be wrong, late or missing

Quotes, option chains, positions, balances, history, earnings and dividend dates, news, and every figure Rolltop calculates (including premiums, fees, recovery strikes, buying power estimates, in-the-money percentages, and summaries) may be delayed, incomplete, or inaccurate. Earnings and dividend dates may be estimates.

Alerts and notifications are a convenience, not a guarantee. They may arrive late, more than once, or not at all. On iPhone and iPad, iOS decides when the App may run in the background, and alerts that depend on background activity can be missed entirely. Do not rely on Rolltop as your only means of monitoring positions or deadlines such as expiration, assignment, or earnings.

6. Options risk

Options involve substantial risk and are not suitable for all investors. You can lose more than your initial investment, and short options can be assigned at any time before expiration. Before trading options you should read Characteristics and Risks of Standardized Options published by The Options Clearing Corporation, available from your broker or at theocc.com. Past results, including any history or income shown in the App, do not indicate future results.

Rolltop relies on services we don’t control, including your broker (account data and orders), Nasdaq (earnings and dividend dates), Yahoo Finance and Google News (news headlines), and Apple (iCloud, push notifications, and the App Store). Your use of those services is governed by their terms and privacy policies, and StackRef is not responsible for their availability, accuracy, or conduct.

The App may contain links to third-party websites, including an affiliate link described in the Affiliate Disclosure. StackRef does not control and is not responsible for third-party websites, products, or services.

8. License

StackRef grants you a personal, non-exclusive, non-transferable, revocable license to use Rolltop on Apple-branded devices that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions. You may not copy (except as permitted by those rules), modify, reverse engineer, decompile, or disassemble the App, except to the extent applicable law expressly permits it notwithstanding this restriction; or rent, lease, lend, sell, redistribute, or sublicense it; or use it to violate any law or any third party’s rights.

9. Disclaimer of warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, ROLLTOP IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. STACKREF AND STACKREF’S VENDORS (SEE SECTION 15) DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT, AND ANY WARRANTY THAT THE APP WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE.

10. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, STACKREF, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, AND STACKREF’S VENDORS WILL NOT BE LIABLE FOR ANY TRADING LOSSES, LOST PROFITS, LOST OPPORTUNITIES, LOSS OF DATA, OR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF, OR INABILITY TO USE, ROLLTOP, INCLUDING ANY ORDER YOU PLACE OR FAIL TO PLACE, ANY ALERT THAT IS LATE OR MISSING, OR ANY DATA THAT IS INACCURATE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. STACKREF’S VENDORS HAVE NO LIABILITY TO YOU OF ANY KIND ARISING FROM THE APP. STACKREF’S TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE APP WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID FOR THE APP IN THE TWELVE MONTHS BEFORE THE CLAIM AND FIFTY U.S. DOLLARS (US $50).

Some jurisdictions don’t allow certain exclusions or limitations, so some of the above may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless StackRef, its officers, directors, employees, and agents, and StackRef’s Vendors from any and all third-party claims, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from your use of the App, your trades, your violation of these Terms, or your violation of any law or third-party right.

12. Changes and termination

We may update the App and these Terms. If we make material changes, the App will ask you to review and accept the updated Terms before you continue using it. You may stop using Rolltop at any time by deleting it. We may suspend or end your license if you violate these Terms. Sections 1, 3–7, and 9–16 survive termination.

13. Governing law and disputes

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the App will be resolved exclusively in the state or federal courts located in New Castle County, Delaware, and you and StackRef consent to the personal jurisdiction of those courts. Either party may instead bring an individual claim in a small-claims court where the claim qualifies. Nothing in this section takes away rights you have under the consumer-protection laws of the place where you live.

14. Apple

These Terms are between you and StackRef only, not Apple. StackRef, not Apple, is solely responsible for the App and its content.

  • Maintenance and support: StackRef alone is responsible for providing any maintenance and support for the App. Apple has no obligation to furnish any maintenance or support services.
  • Warranty: to the extent any warranty applies and is not effectively disclaimed, if the App fails to conform to it you may notify Apple, and Apple will refund the purchase price (if any) for the App. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to a warranty are StackRef’s responsibility, subject to these Terms.
  • Product claims: StackRef, not Apple, is responsible for addressing any claims by you or a third party relating to the App or your possession or use of it, including product liability claims, claims that the App fails to conform to legal or regulatory requirements, and claims under consumer protection, privacy, or similar laws.
  • Intellectual property: if a third party claims that the App or your possession and use of it infringes that third party’s intellectual property rights, StackRef, not Apple, is solely responsible for the investigation, defense, settlement, and discharge of that claim.
  • Legal compliance: you represent that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a “terrorist supporting” country, and that you are not on any U.S. Government list of prohibited or restricted parties.
  • Third-party terms: you must comply with applicable third-party terms (such as your broker’s and your wireless carrier’s) when using the App.
  • Third-party beneficiary: Apple and its subsidiaries are third-party beneficiaries of these Terms, and once you accept them Apple has the right (and will be deemed to have accepted the right) to enforce them against you as a third-party beneficiary.

15. StackRef’s vendors, and who is responsible to you

“StackRef’s Vendors” means StackRef’s vendors, licensors, and processors, including the providers of the data, application programming interfaces, and services the App uses to work.

  • StackRef alone is responsible to you. As between you and StackRef’s Vendors, StackRef is solely responsible to you for any claims, liability, and damages that may arise out of your use of the App, subject to the limits in these Terms, and for all support and maintenance of the App. StackRef’s Vendors have no obligations or liability to you in connection with the App.
  • Support. StackRef maintains email support for the App at rolltop@stackref.com.
  • Third-party beneficiaries. StackRef’s Vendors are third-party beneficiaries of these Terms and may enforce them directly against you, including the disclaimers in Section 9, the limitations in Section 10, and your indemnification in Section 11.

16. General

These Terms, the Privacy Policy, the Risk Disclosure, and the Affiliate Disclosure are the entire agreement between you and StackRef about the App. If any provision is found unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver.

Contact

StackRef Inc. · rolltop@stackref.com