Frequently Asked Questions

WhatsTheMoat is an AI-powered stock research platform that generates institutional-quality fundamental analysis reports. Our proprietary 9-phase framework evaluates business models, competitive moats, financials, growth runway, valuations, and risks — producing structured reports in under 60 seconds.

Our reports are generated by analyzing publicly available financial data through a structured analytical framework. They are designed to be thorough and contextual, but they are not predictions. All reports include quality validation checks and clearly state the data sources and assumptions used. The framework score is a structured assessment, not a guarantee of future performance.

We currently cover stocks on NSE and BSE (India), NYSE and NASDAQ (US), and ASX (Australia). Coverage for additional exchanges is planned. Any stock with financial data available through our data providers can be analyzed.

Financial data is sourced in real-time from Financial Modeling Prep at the time of report generation. Reports generated within the last 7 days use cached data. You can request a fresh analysis at any time by generating a new report for the same stock.

Our reports are for informational and educational purposes only. They are not investment advice, and we do not provide buy/sell/hold recommendations, target prices, or position sizing guidance. Always do your own research and consult a qualified financial advisor before making investment decisions.

No. WhatsTheMoat provides AI-generated analysis for informational purposes only. We do not give buy, sell, or hold recommendations. We do not provide target prices, entry points, stop losses, or portfolio allocation advice. The framework score is a structured analytical assessment — the investor makes their own decisions.

Every report passes through 8 automated quality validation checks before being shown to users. These verify section completeness, score ranges, fair value reasonableness, and content quality. Despite this, AI-generated analysis can contain errors or miss nuances that a human analyst would catch. We encourage users to verify key claims independently.

Our analysis is powered by AI that processes years of financial data through our proprietary 9-phase framework. The framework — not the model — is the core IP. The AI executes the analytical methodology; the framework ensures consistency, depth, and structure.

No. We do not sell user data to third parties. See our Privacy Policy for full details on what data we collect and how it is used.

Yes. The free plan includes 3 reports per month with full access to all 9 analysis phases, framework score, fair value estimate, PDF download, and sharing. No credit card required.

Pro is priced at $9.99/month and includes unlimited reports, priority generation, and unlimited report history. We also offer an annual plan at $99/year (save 17%).

Yes. There are no lock-in contracts. You can cancel your Pro subscription at any time from your account page. You will retain access until the end of your current billing period.

Yes. We offer a 7-day money-back guarantee on Pro subscriptions. If you are not satisfied, contact us within 7 days of your purchase for a full refund.

When you sign in with Google, we receive your name, email address, and profile picture. We also store your generated reports, subscription status, and voting activity. We use standard analytics to understand how the platform is used. See our Privacy Policy for full details.

Yes. You can request complete account deletion by contacting us at admin@zoodleme.com. We will delete your account, personal data, and all associated reports within 30 days.

Yes. We use essential cookies for authentication (keeping you logged in) and functional cookies for preferences. We do not use third-party advertising cookies.