Terms of service

These terms apply when you use WhaleCreep (whalecreep.com), with or without an account. By using the site you agree to them.

Effective September 22, 2026.

Who you are dealing with

WhaleCreep is run by Konstantinos Papadopoulos, an individual based in the United Kingdom ("we", "us"). Contact: [email protected].

Not investment advice

WhaleCreep publishes information derived from public SEC Form 13F filings and market data. It is for information and education only. Nothing on the site is investment, financial, tax or legal advice, a recommendation or an offer to buy or sell any security, or a personal recommendation of any kind. We are not authorised or regulated by the Financial Conduct Authority. A 13F shows only long US equity positions as of a past quarter-end, filed up to 45 days later; it does not show a manager's current positions, shorts, derivatives or performance. Do your own research, and take advice from a regulated professional before making investment decisions. You are solely responsible for decisions you make.

The data

Figures are computed from public sources (SEC EDGAR and market data providers) and are processed automatically. They can be delayed, incomplete or wrong, and the underlying filings themselves can contain errors. The service is provided "as is", without any promise that it is accurate, complete, current or available at any given time. The methodology explains how the numbers are made and their limits.

Accounts

• You must be 18 or over to create an account.
• Give a real email address you control, keep your password private, and tell us if you think your account has been used by someone else. You are responsible for what happens under your account.
• One account per person. Accounts may not be shared, sold or transferred.
• You can stop using WhaleCreep and ask for your account to be deleted at any time by emailing [email protected].

The Lifetime plan

• What it is. A one-time payment, currently US$79, with no subscription or renewal. It adds email alerts when a fund on your watchlist files a 13F, API keys for AI agents, and any premium features we add later for as long as they exist.
• What "lifetime" means. The lifetime of the WhaleCreep service, not of the buyer. If we ever close WhaleCreep for good, we will give Lifetime members at least 90 days' notice by email.
• Price and payment. Prices are shown in US dollars and include any taxes we are required to charge. Payment is taken by Stripe; your card issuer may add currency conversion fees.
• Access starts immediately. When you buy, you ask for access to begin straight away and acknowledge that, because the plan is digital content supplied immediately, you lose the 14-day right to cancel that would otherwise apply under the UK Consumer Contracts Regulations.
• No refunds. Purchases are final and are not refunded, except where the law requires it. This does not affect your statutory rights: if the service is faulty or not as described, you keep your rights under the Consumer Rights Act 2015, including repair, replacement or a refund.
• Chargebacks. If a payment is refunded or disputed through your bank, the plan is removed from the account.

API keys and AI agents

• Paid plans can create API keys to connect AI agents through the MCP server. A key acts as your account: keep it secret, do not share it or publish it, and revoke it if it may have leaked. You are responsible for calls made with your keys.
• Keys are subject to the fair-use limits on the developer page. We may change, add or retire tools, and will give notice on that page before removing one.
• Answers given by a third-party agent (such as Muse or Claude) are produced by that agent, not by us. It may summarise, omit or misstate the data WhaleCreep returned; the disclaimers above still apply.

Acceptable use

You agree not to:

• get around the guest limit, plan restrictions or any other access control, or use someone else's account;
• send automated traffic to the API (/api/) or the interactive board at a rate that degrades the service for others, or try to break, probe or overload it;
• resell or republish access to the service or its paid features, or pass off the data as your own without attribution;
• use the service for anything unlawful, including market manipulation.

The public pages are there to be read, linked and cited, by people and by search and answer engines alike; robots.txt sets out how crawlers may access them.

Content and licence

The underlying filings are public records. The site's design, code, text and the derived tables and analysis belong to us. You may quote and reuse derived tables with attribution to WhaleCreep (whalecreep.com) and a link to the source page. Everything else needs our written permission.

Suspension and termination

We may suspend or close an account that breaks these terms, for example for abuse, sharing an account or fraud. Where it is reasonable we will tell you first and give you a chance to put it right. A Lifetime plan closed for a serious breach is not refunded. We may change, add or remove features, and will not remove what a Lifetime plan was bought for without notice.

Our liability

Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot be limited by law, and nothing affects your statutory rights as a consumer. Subject to that:

• we are not liable for any investment or trading decision, or for any loss of profit, income, opportunity or data, arising from your use of, or reliance on, the site or its data;
• we are not liable for losses that were not reasonably foreseeable, or for delays or failures caused by events outside our reasonable control, including failures of our hosting, payment or email providers or of the data sources;
• our total liability to you for anything arising from these terms or the service is limited to the amount you have paid us, or £100 if you have paid nothing.

Privacy

How personal data is handled is set out in the privacy policy.

Changes to these terms

We may update these terms. The current version is always on this page with its effective date. Material changes are emailed to account holders at least 30 days before they take effect; if you do not agree, you can close your account before then. Changes never reduce what a Lifetime plan you have already bought includes.

Law and disputes

These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction. If you live in Scotland or Northern Ireland you may also bring proceedings in your local courts, and if you live elsewhere you keep any mandatory protections of the law of your country of residence. Please contact us first; most problems can be fixed by email.

General

If any part of these terms is found unenforceable, the rest still applies. If we do not enforce a right straight away, we can still enforce it later. You may not transfer your rights under these terms; we may transfer ours to someone who takes over the service, and your rights will not be reduced as a result. Nobody else has rights under these terms.