User Agreement

USER AGREEMENT, Inc. ("myStockPlan" or "we"), the developer of and (separately or together "the website" or "the site"), is giving you access to its online pages, including access to articles, FAQs, the glossary, calculators, modeling tools, the online stock option tracker, and other content and tools appearing here. By using the website, you agree to the following terms and conditions. By accessing and/or receiving reports produced by their advisors from, financial advisors' clients who use and/or who receive such content or reports from financial advisors also agree to the terms below.


RELIANCE ON INFORMATION PROVIDED. This website is designed to provide general educational information in regard to the subject matter covered. myStockPlan does not provide personalized guidance or advice on financial, tax, accounting, or legal subjects. In publishing this website, neither the authors of individual articles nor myStockPlan are engaged in rendering legal, accounting, financial, or other professional services.

Legal, tax, and financial-planning concepts are complex, and it is impossible to describe or program for every rule or exception that may apply to every person. To make the tools and content understandable to people who are not lawyers or accountants, we have simplified our explanations. Therefore, for personal legal, tax, or financial-planning advice or other expert assistance, you should seek the services of a competent professional.

The information contained in this website and in our email communications cannot be used, and are not intended by myStockPlan to be used, for the purpose of avoiding any penalty that the Internal Revenue Service might assess in challenging any tax treatment discussed in our content.

myStockPlan believes its content and financial-planning tools to be useful, reliable, and current, but accuracy or completeness is not guaranteed. For example, display of the latest stock quotes may be delayed as required by stock exchanges or other information providers. Further, our providers furnish information to us without warranting its accuracy, and you agree that errors contained in such data for use in the calculators and modeling tools shall not be the basis for any claim, demand, or cause of action against myStockPlan or any of its providers. Although we try to keep up with changes in the law and tax codes and to update our own content and tools accordingly, myStockPlan does not undertake any responsibility to immediately update the content and tools on this website to reflect changes in the law.

myAlerts email notices are provided by myStockPlan as an educational resource., Inc., shall not be liable for any errors, delays, or other problems in sending or receiving these emails or in the data they contain, or on any actions taken or not taken in reliance on them.

CONSULT YOUR OWN TAX ADVISOR. United States federal tax laws are complex and subject to change. State, local, and non-US taxes may also apply to you, and the rules governing such taxes are separate from the rules of federal taxes. Your actual tax consequences thus depend on your individual circumstances. The content of this website is not specific to your individual situation and circumstances. Therefore, by using and accessing its content and tools, you agree that you should consult a qualified tax advisor about your own tax situation and that you must not rely on in your decisionmaking other than for general education and knowledge.

STOCK PRICE DATA. The stock price data have been obtained from WWQuote, or from other sources, which collect data from various providers (collectively, "data providers") through sources believed to be reliable. We cannot guarantee the accuracy or the timely delivery of the stock price data. There will be delays, and there may be omissions or inaccuracies. You agree that neither the data providers nor any agent, subsidiary, or representative shall have any liability, contingent or otherwise, for the truthfulness, accuracy, or timeliness of the stock price data, or for any decision made or taken by you in reliance upon the stock price data.

LIMITATION ON USE. You will not copy, post, adapt, or reverse-engineer the content, interactive features, tools, or technology of the website in any format without an express written license from myStockPlan.

An exception to this limitation applies to users who have Pro (MSO Pro) Memberships, who are permitted to redistribute premium content, including articles and FAQs, to clients and prospects. The size of the distribution is limited to the number of clients purchased in MSO Pro unless a separate marketing arrangement is agreed upon.

LIMITATION ON USER NAME AND PASSWORD. Your account with is for your use only and can be accessed only by you. can be accessed only by you and the clients you have entered into MSO Pro. The sharing of user names and passwords is against the terms and conditions of

LINKS; REFERENCES. This website contains links to websites operated by parties other than myStockPlan. These links are provided for your convenience and reference only. myStockPlan does not control these sites and is not responsible for their content. Our inclusion of these links does not imply any association with these sites' operations or any endorsement or approval of the services, merchandise, materials, or contents available from or on these sites.

This website also contains descriptions of and references to products, services, and firms. These references do not imply endorsement of those products, services, or entities. Under no circumstances shall any of the myStockPlan providers be liable for any loss or damage caused by a user relying on or being exposed to information obtained from or contained on the website. It is the user's responsibility to evaluate the information, advice, or other content available through the website and any products, services or firms referenced here.

FEES. You may use certain portions of this website without charge for as long as they are made available without a fee. For other portions of the website (or applicable services and features) you or your company must pay the applicable fee to become either a Premium Member or a myStockOptions Pro Member ("MSO Pro"), depending on the subscription level you purchase. This membership may not be shared with others.

PURCHASES OF PREMIUM MEMBERSHIPS AND MSO PRO MEMBERSHIPS. An individual Premium Membership to may be purchased for one month ($69), one year ($189), or two years ($289). One year is the only available subscription term for MSO Pro Membership, which carries the benefits of Premium Membership plus enhancements in the record-keeper and tools, including the ability to track and model grants for multiple clients. MSO Pro Membership annual fees depend on the number of clients: five ($359), ten ($595), or twenty-five ($895). If you have a paid Premium Membership and purchase an upgrade to MSO Pro, your new MSO Pro membership term begins on the date of the upgrade: your expiration date moves to one year from the upgrade date, restarting the subscription clock at the new membership level. You will receive a pro-rated credit for the unused portion of your regular Premium Membership.

AUTOMATIC RENEWAL OF SUBSCRIPTIONS. Automatic renewal of subscriptions is an industry standard in online publishing. Any subscription to begins immediately after you pay the applicable fee with a credit card over our secure server. will automatically renew your subscription when it expires unless you cancel automatic renewal by selecting the appropriate option in myAccount at any time during your subscription. To automatically renew your subscription, will charge your credit card for the appropriate amount at the time of the renewal. At any time during your subscription, you may delete or change your credit-card data in the section of the website entitled myAccount. Deleting your credit-card data cancels the next automatic renewal of your subscription. If your membership is scheduled for autorenewal but your credit card has an expiration date in the past at the time of renewal, for your convenience we will try to process your autorenewal with a future expiration date.

REFUNDS FOR MANUALLY INITIATED PAID MEMBERSHIPS. No refund will be given for a one-month Premium Membership that you have manually initiated or renewed. Refunds for one- or two-year Premium Memberships manually initiated or renewed are granted on a case-by-case basis, generally depending on the length of time since upgrade and how much you have used premium content and/or tools during the subscription term. MSO Pro Memberships are fully refundable within 30 days from the start of the first subscription term but not thereafter. Fractional refunds are not available for a reduction in the client limit during the subscription term. Credit-card charges more than 120 days in the past cannot be refunded.

REFUNDS FOR UNWANTED AUTOMATIC RENEWALS OF PAID MEMBERSHIPS. The only exception to the refund rules stated above occurs if the following three conditions are true: (1) your subscription automatically renewed, (2) you contact us within 30 days of receiving the credit-card statement that lists the charge, and (3) you have not used the site since the renewal date. Credit-card charges more than 120 days in the past cannot be refunded.

CALCULATION OF FEES FOR RAISING CLIENT LIMIT IN MSO PRO. MSO Pro offers the ability to track and model grants for 5, 10, 25, or more clients, and the subscription fee rises with the client limit. If you are a member of MSO Pro and increase your client limit, your full account term moves forward one year from the date you purchase the additional clients. Your previously purchased client accounts are added to your new client limit. You will receive a credit for the remaining period on the prior number of client accounts you purchased.

REDUCING CLIENT LIMIT IN MSO PRO. If you want your MSO Pro Membership to renew automatically at a lower client limit (and thus a lower fee) than that of the prior subscription term, you can decrease your client limit before the renewal. However, fractional refunds are unavailable for your current membership, so a reduction in your client limit does not entitle you to a pro-rated refund of the fee you paid for the higher client limit.

GENERAL DISCLAIMERS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS, OR AGAINST INFRINGEMENT. Your only remedy for any failures or other problems with the website is to cease using it and to report the problem to us. We will evaluate your report but make no promise that all problems will be corrected.

myStockPlan has taken reasonable security precautions regarding the electronic transmission of data and communications. However, we cannot guarantee that this data will not be intercepted. You agree that myStockPlan has no duty to confirm or verify the authority or propriety of any information or instructions given to it by any user of or visitor to the website, and that myStockPlan may assume proper authority for, and act without liability upon, any instructions it receives.

Some states do not allow the disclaimer of implied warranties, so the above disclaimers may not apply to you in all instances.

LIMITATION OF LIABILITY. None of the staff, consultants, contractors, or third-party content-providers of myStockPlan shall be liable for damages arising out of or in connection with the use of this website. This is a comprehensive limitation of liability and UNDER NO CIRCUMSTANCES SHALL MYSTOCKPLAN OR ANY PARTY INVOLVED IN CREATING, PRODUCING, OR DISTRIBUTING THE WEBSITE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF OR INABILITY TO USE THE WEBSITE, including, but not limited to, damages due to: loss of data, income, or profit; loss of or damage to property; claims of third parties; reliance by a user on information obtained from myStockPlan or any linked site; errors, omissions, or interruptions; deletion of files or email; defects, viruses, delays in operation or transmission, or any failure of performance; communications failure; and theft, destruction, or unauthorized access to myStockPlan's records, programs, or services. You agree that this paragraph shall apply to all content, merchandise, and services available through the website.

Some states do not allow the exclusion or limitation of consequential or incidental damages, so the above limitations may not apply to you in all instances.

TRADEMARKS. The terms myStockPlan,, myStockOptions,,, and other marks and logos displayed at the website (excluding those identified as the property of third parties) are trademarks and service marks of myStockPlan and may not be used without its express written permission. is a federally registered trademark.

COPYRIGHT. The website content, including all text, images, logos, icons, and software, are the property of myStockPlan or its suppliers and are protected by US and international copyright laws. The reproduction, modification, distribution, transmission, display, performance, or other use of such materials, except as expressly permitted by myStockPlan, are strictly prohibited.

COPYRIGHT INFRINGEMENT POLICY. It is myStockPlan's policy to respond promptly to claims of copyright infringement, and to remove, or disable access, to infringing material. If you believe that any of the content or materials appearing on this website contain infringing materials or infringing property, please send a notice to the contact information shown below.

Your notice should contain the following: a physical or electronic signature of a person authorized to act on behalf of the copyright owner ("claimant"); identification of the copyrighted work claimed to be infringed; identification of the content or material claimed to be infringing; a reference or link to the infringing material or activity, or the subject of the infringing activity, including information to enable us to locate that material or reference; the address, telephone number, or email address of the claimant; a statement that the claimant has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright-owner, its agent, or the law; and a statement that the information in the notice is accurate and, under penalty of perjury, that the claimant is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

APPLICABLE TERMS AND LAWS. Inc. operates its business and website from its headquarters in Massachusetts. As such, the laws of the Commonwealth of Massachusetts will govern these terms and conditions, without giving effect to any principles of conflicts of laws. We reserve the right to make changes to our website and these disclaimers, terms, and conditions at any time (including the imposition of fees for access to the website or use of certain services) by any reasonable form of notice (including posting or emailing notices of change); and your continued use of the website after such notice shall constitute acceptance of these modifications.

TERMINATION. Notwithstanding the above, myStockPlan may terminate your account, and your access to this website, in the event of any actual or suspected breach of these terms and conditions, or any impropriety, violation of law, or other good cause.

OUR ADDRESS. If you wish to communicate with us about these terms of use, about your experience with our website, or for other reasons, please contact us at the following address:, Inc.
124 Harvard Street, Suite 9
Brookline, MA 02446

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