Questions investors ask about Three·Lens

Section 1

About Three·Lens

What is Three·Lens?

Three·Lens is a teaching-first equity-research workbench. It reads any public U.S., Indian, or Canadian company through three lenses — Value, Growth, and Quality — and explains every metric in plain language, grounded in the company's own filings and market data. The goal isn't to hand you a verdict; it's to show you how investors reason about a business so you can form your own view.

What problem does it solve?

Most investing tools give you answers — a score, a rating, a screen result — but not the reasoning behind them. Three·Lens was built to teach the reasoning: it walks through how a company looks through each lens, what each number means, and why it matters, so you build durable judgment instead of depending on someone else's call.

Why Value, Growth, and Quality?

These are three of the most enduring frames professional investors use, and most companies look different through each — cheap on value but weak on quality, or excellent quality at a rich growth price. Learning to hold all three at once, and to see the tension between them, is the core skill Three·Lens is designed to build.

Can I compare companies side by side?

Yes, two ways. From any reading, Three·Lens lines the company up against same-sector peers it identifies (SEC-verified, same industry) in a comparison grid — valuation, profitability, and balance-sheet figures with a peer median and a short plain-language read of where it leads and lags. And in Explore you can open a curated sector basket, pick 2–6 companies, and compare them together. As everywhere else, the grid describes and teaches — there are no rankings meant as buy or sell calls.

Section 2

Is Three·Lens for me?

Who is Three·Lens for?

Beginners who want to learn how company analysis actually works; DIY and long-term investors who research before they buy; students studying finance or investing; and parents teaching their kids how to read a business. If you want to understand companies rather than chase trades, it's for you.

Who is Three·Lens NOT for?

It's not built for day traders, options traders, meme-stock speculation, or market timing. There are no buy/sell signals, no real-time trading edge, and no portfolio execution. If you need a fast in-and-out trade, this isn't the tool.

Can a complete beginner use it?

Yes — that's the point. Every metric comes with a plain-language explanation, an optional AI tutor you can ask follow-up questions, and short quizzes to check your understanding. You don't need a finance background to start.

Can I share readings with my family?

Yes. On the Account page you can add up to five family members by email, then share any dossier with them; each opens it with their own verified sign-in, and the shared snapshot auto-expires after a few days and never includes your portfolio (your positions or watchlists). It's meant for household and private use — not a way to publish readings widely.

Section 3

Versus the alternatives

How is it different from ChatGPT, Claude, or Gemini?

Three·Lens actually runs on a frontier AI model — so the difference isn't the model, it's everything around it. A general chatbot answers from memory, can invent figures, and will happily give you a buy-or-sell opinion. Three·Lens fixes the framework (Value, Growth, Quality), grounds every reading in the company's filings and current market data, teaches the metrics as it goes, and is built to never recommend. It trades the open-endedness of a chatbot for consistency, grounding, and guardrails.

How is it different from a stock screener?

A screener ranks and filters numbers, and assumes you already know what those numbers mean. Three·Lens starts where the screener stops: it explains what each metric says about the business, in that company's context, and connects them into a coherent read rather than a row of figures.

Why not just read the SEC filings myself?

You can, and over time you should — Three·Lens points you back to the primary sources. But a single 10-K runs hundreds of pages and assumes real financial fluency. Three·Lens pulls out what matters, explains why it matters, and helps you build the literacy to eventually read the filings on your own.

Section 4

Data & trust

Does Three·Lens tell me what to buy?

No. There are no buy or sell signals, no price targets, and no ratings meant as recommendations. The lens readings, bull and bear cases, and "what to watch" notes describe how an analyst would weigh the business — the decision is entirely yours.

Is Three·Lens investment advice?

No. Navam Digital is not a registered investment adviser and is not registered with the SEC, SEBI, or any other regulator, and using Three·Lens creates no advisory or fiduciary relationship. Everything in the app is educational and informational. See the disclaimer.

Where does the data come from, and is it real-time?

Fundamentals and filings come from SEC EDGAR (U.S.) and Twelve Data (which also covers India and Canada); market prices come from Twelve Data; recent news is summarized via Perplexity. Prices may be delayed by roughly 15 minutes in some markets and are effectively end-of-day in others — appropriate for long-term reading, not for trading.

Why don't your numbers always match Yahoo Finance?

Because we read the numbers straight from the company's own SEC filings and compute every ratio on a consistent basis that we show you. Aggregators often use a different period (trailing-twelve-month vs. last fiscal year), apply their own adjustments, or carry estimated or restated figures — so small differences are normal and expected. Three·Lens shows the exact calculation under every number, so you can see how it was derived rather than trust a black box.

Are the readings written by AI?

Yes — they're AI-assisted, generated from public sources within a fixed analytical framework. AI can make mistakes and can sound confident while being wrong, so Three·Lens shows its sources and asks you to verify anything important against the primary filing before relying on it.

How does the AI tutor work?

While you're reading a company, you can ask the tutor follow-up questions — what a metric means, why a lens landed where it did, how two companies compare. Its answers are grounded in that company's dossier (its filings, metrics, and news), not generic web chatter, so the explanation stays anchored to what you're actually looking at.

Why can two investors reach different conclusions about the same company?

Because Value, Growth, and Quality reward different things. The same company can look cheap through the Value lens, slow through Growth, and excellent through Quality — and which of those matters most is a judgement, not a fact. Three·Lens deliberately shows all three lenses side by side instead of collapsing them into one verdict, so you can see exactly where they disagree. That disagreement is usually where the real understanding lives, and reasonable investors will weigh the lenses differently.

How do I delete my account, and what happens to my data?

You can delete your account yourself from the Account page at any time — you type DELETE and confirm with a one-time code. Free accounts are erased immediately; on a paid plan you can delete now (your subscription is cancelled, with no further charge) or at the end of your billing period (you keep access until then and can restore before it ends). Erasing removes your account record, usage counters, shared snapshots, and encrypted backup. We keep only a minimal deletion-and-invoice record that the law requires us to retain for tax and accounting — details are in the privacy policy.

Still have a question? Contact us — we're a small team and will get back to you.