Terms of Use
Effective date: August 25, 2026 · Version 2.3
Bubble Watch (the “App”) is published by Stormylab, a trade name of Brian Horning, a sole proprietor located in Louisiana, United States (“we”, “us”, “our”).
These Terms are a contract between you and us. Please read them. They are written in plain English on purpose — if any part is unclear, email us at support@bubblewatch.app before you use the App, and we will explain it.
1. Who may use the App
You must be 18 years or older to use the App. The App is offered only in the United States. It is not directed to anyone under 18 and we do not knowingly make it available to them.
2. What Bubble Watch is — and what it is not
Bubble Watch is a published work of commentary and measurement. It reads public data, applies our own models to it, and publishes the result as a score, a verdict word, and supporting figures. Every reader sees the same published figures.
The App accepts one optional input: you may tick which common funds you hold, from a fixed published list. The App then shows you its already-published figures for those funds, and — so that a list of funds reads as one answer — combines them into a single equal-weight average across the funds you ticked. That average is the one figure in the App derived from something you told it. It is computed on your device from figures the App already publishes to everyone; it is presented as a scenario at the current reading, not a prediction.
Because the App never asks for balances, that average deliberately weights every fund you tick equally. It is therefore not a portfolio valuation and cannot be one — it does not know, and does not ask, how much of anything you hold.
Bubble Watch is not, and does not hold itself out as:
- an investment adviser, financial planner, or fiduciary;
- a broker, dealer, exchange, or market maker;
- a bank, custodian, lender, or money transmitter;
- a research service that gives personalized recommendations;
- a source of predictions, forecasts, or signals to act on.
We are a publisher of financial information, not an investment adviser. We rely on the publisher’s exclusion from the definition of “investment adviser” under Section 202(a)(11)(D) of the Investment Advisers Act of 1940 and corresponding state securities laws. We do not provide personalized or individualized investment advice. Everything the App publishes is impersonal and not tailored to the investment needs of any specific person.
3. Not investment advice
The App takes a deliberately light, tongue-in-cheek view of a serious subject. That tone is not a disclaimer and does not excuse anything the App gets wrong — but it should tell you plainly what kind of thing you are looking at.
Every score, verdict, “pop” reading, fragility figure, exposure estimate, and scenario in the App is the output of a model. A model is a simplification. It may be wrong, delayed, incomplete, or based on data that has since changed.
To the extent anything the App publishes could be read as investment advice or as a recommendation about a particular security, that information is impersonal and not tailored to the investment needs of any specific person.
No fiduciary relationship is created between you and us by your use of the App.
You are solely responsible for your own financial decisions. Do not make an investment decision because of anything you saw in this App. If you need advice, consult a licensed professional. Investing involves risk, including the possible loss of principal.
4. Data, models, and accuracy
The App draws on public sources — including SEC filings, Federal Reserve economic data, and other government and third-party datasets — and applies our own calculations to them. Attributions are listed on the in-app About & Legal screen and in the Methodology screen.
You should understand all of the following:
- Source data may be wrong. We take it as published and do not independently audit it.
- Our calculations may be wrong. Prices, indices, quotations, calculations, scores, and analyses may in individual cases be inaccurate, incomplete, imprecise, or out of date, and should not be used as the sole basis for a financial decision.
- Data may be stale. The App refreshes on a schedule that can fail or fall behind. When a reading is stale, the App says so — but we do not promise that it always will.
- We are not obliged to keep it current. We may change or stop updating the App at any time, and we are not liable to you if the information is not up to date.
- Not every value is a live measurement, and the App tells you which is which. Each figure is marked as one of three kinds: measured (computed from a wired data source), seeded (illustrative or bundled sample data), or editorial (our written commentary). Seeded and editorial values are examples and opinion, not measurements, and are labelled as such wherever they appear. Where we have reconstructed history rather than recorded it, we say so before you pay, not after.
- Some of the App’s written commentary is drafted with AI assistance. Nothing drafted that way reaches the App until a human has read it, judged it and approved it, and the provenance label on the result records that review — it reads founder curated.
- Statements about named companies are opinion based on disclosed public data. Scores and figures attached to any named company are our modelled assessment derived from the cited public sources. They are not statements of fact about that company’s condition, solvency, or prospects.
5. Your licence to use the App
We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the App on Apple devices you own or control, for your own non-commercial use, in accordance with these Terms and the App Store’s usage rules.
This licence does not transfer ownership of anything to you.
6. Apple’s terms also apply
You obtain the App through the Apple App Store. Apple’s Licensed Application End User License Agreement (the “Standard EULA”) governs your licence to install and run the App, and Apple’s Media Services Terms govern your purchase. Those are agreements between you and Apple.
These Terms govern your relationship with us — what the App’s content and outputs mean, what we promise about them, and what we do not. Where Apple’s Standard EULA governs a matter, it governs that matter; these Terms apply to everything else. Nothing here is intended to reduce any right Apple’s terms give you.
7. Acceptable use
You agree not to:
- disrupt, overload, or attempt to gain unauthorized access to the App or its servers;
- reverse-engineer, decompile, or disassemble the App, except where law permits it regardless of this restriction;
- scrape, extract, republish, or resell data or output obtained through the App, whether for a commercial product, a dataset, or model training;
- remove, obscure, or misrepresent any provenance marking, citation, disclaimer, or staleness indicator the App displays;
- present the App’s output as your own analysis, as a forecast, or as advice to another person.
8. The lifetime unlock — purchase and refunds
The App offers a single, one-time purchase that unlocks additional features (the “lifetime unlock”). It is priced at the amount shown in the App at the time you buy.
“Lifetime” means the operating lifetime of the App — for as long as we publish and support it. It does not mean your lifetime, and it is not a promise that the App will exist forever. If we discontinue the App we will say so in the App or at bubblewatch.app where we reasonably can. We will not re-charge you for features this purchase already unlocked.
Apple sells the unlock and handles payment. Refund requests go to Apple under its refund policy, not to us — we cannot issue App Store refunds. If the App fails to conform to any warranty that applies, you may notify Apple, and Apple may refund the purchase price to you.
If you reinstall the App or move to a new device, use Restore Purchase in the App to recover your unlock. Because we do not use accounts, restoring depends on your Apple Account.
9. Intellectual property
The App, its design, its text, and its models and scoring methodology are owned by us and protected by copyright and other laws. Third-party data belongs to its respective sources and is used under their terms.
Nothing in the App grants you any right in our trademarks or branding.
10. Warranties — please read this section
We provide the App “as is” and “as available”, and we disclaim all warranties to the fullest extent the law allows.
In plain terms: we do not promise that the App will be accurate, complete, current, uninterrupted, error-free, or fit for any particular purpose. We do not promise its scores will be right, or that its data will be available or timely.
Louisiana warranty waiver. Because we are located in Louisiana and Louisiana law governs these Terms, this paragraph is written to meet Louisiana’s specific requirements, and we are drawing it to your attention deliberately:
You waive the warranty against redhibitory defects provided by Louisiana Civil Code articles 2520 and following, and the warranty that the App is reasonably fit for its ordinary use provided by Louisiana Civil Code article 2524.
What this means, in ordinary words: if the App turns out to be defective — including in a way that would have stopped you buying it had you known — you give up the right to demand that the sale be undone, to demand your money back on that basis, or to demand a reduction of the price. You are accepting the App with all of its faults, whether or not those faults are apparent to you now.
This waiver has been set out in its own paragraph, in plain language, so that it is genuinely brought to your attention before you agree to it, as Louisiana law requires.
This waiver does not apply, and we do not attempt to make it apply, to any defect we actually knew about and concealed from you, or to any quality we declared the App to have while knowing it did not.
11. Limitation of liability
What we are not liable for. To the fullest extent the law allows, we are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost savings, lost data, trading losses, or loss of investment value, arising out of or relating to the App, its content, its scores, or your reliance on any of it — under any legal theory, and even if we were told such damages were possible.
Our maximum liability. For everything else, our total aggregate liability to you for all claims relating to the App will not exceed the greater of (a) the total amount you have paid us for the App, or (b) fifty United States dollars (US $50.00).
What this limitation does NOT cover — Louisiana Civil Code article 2004. Nothing in these Terms excludes or limits our liability for:
- intentional or gross fault that causes you damage; or
- causing you physical injury.
Under La. Civ. Code art. 2004, any clause purporting to exclude or limit liability in advance for those things is null, and we do not attempt it. The limitations above apply to all other fault only.
If any part of this section is held unenforceable, the rest of this section and these Terms remain in force.
12. Time limit for bringing a claim
Any claim arising out of or relating to these Terms or the App must be brought within one (1) year after the claim arises. After that, it is barred.
This does not apply to a claim based on our intentional or gross fault, and it does not purport to shorten any period that the law does not allow to be shortened by agreement.
13. If you have a problem, tell us first
Most problems are fixable, and a refund is usually the answer. So before either of us starts a formal proceeding:
Email us at support@bubblewatch.app describing the problem and what you would like done about it. Give us 30 days to respond and try to sort it out in good faith. This applies to both of us — we will do the same before bringing any claim against you.
You keep your right to go to court. We have deliberately not put an arbitration clause or a class-action waiver in these Terms. In particular, nothing here stops either of us from bringing a claim in small claims court, which for a dispute about a $4.99 app is almost certainly the right and cheapest place for it.
14. Governing law and where disputes are heard
These Terms are governed by the laws of the State of Louisiana, without regard to its conflict-of-laws rules.
Any dispute arising out of or relating to these Terms or the App will be brought in the state or federal courts located in Louisiana, and you and we each consent to the jurisdiction of those courts.
If you live in a state whose consumer-protection laws give you rights that cannot be waived by agreement, this section does not take those rights away from you.
15. Termination
Your rights under these Terms end automatically if you materially breach them. You may end them at any time by deleting the App.
Sections 3, 4, 9, 10, 11, 12, 13, 14 and 16 survive the end of these Terms.
16. Changes to these Terms
We may update these Terms as the App changes. When we do, we will update the version number and effective date at the top.
If a change is material, we will ask you to accept the new Terms in the App before you continue using it. For non-material changes — corrections, clarifications, contact details — continued use after we publish the update means you accept it. We will not treat your silence as acceptance of a material change.
Changes apply going forward only. No change to these Terms applies to a dispute that had already arisen before the change took effect. The version in force when something happened is the version that governs it.
The current version is always published at bubblewatch.app/terms/.
17. General
- Severability. If any provision is held invalid, the rest remains in effect. An invalid provision does not make these Terms as a whole invalid.
- Entire agreement. These Terms, together with our Privacy Policy, are the entire agreement between you and us about the App, and replace any earlier version.
- No waiver. If we do not enforce a provision, that is not a waiver of it.
- Assignment. You may not assign these Terms. We may assign them to a successor to the App.
18. Contact
Questions, complaints, or claims about the App or these Terms:
Support: bubblewatch.app/support/
Privacy Policy: bubblewatch.app/privacy/