Terms of Service
Last Updated: January 2025
Welcome to Portfolio AI. By accessing or using our services, you agree to be bound by these Terms of Service. Please read them carefully.
1. Acceptance of Terms
By creating an account, accessing, or using Portfolio AI's services, you agree to these Terms of Service and our Privacy Policy. If you do not agree to these terms, you may not use our services.
2. Description of Service
Portfolio AI provides a unified investment intelligence platform that:
- Aggregates and displays your investment portfolio data from multiple accounts
- Provides AI-powered analysis and insights on your investments
- Offers portfolio tracking, risk assessment, and analytics tools
- Connects to brokerage and crypto exchange accounts via secure, read-only APIs
3. Eligibility
You must be at least 18 years old to use Portfolio AI. By using our service, you represent and warrant that:
- You are at least 18 years of age
- You have the legal capacity to enter into these Terms
- You will provide accurate and complete information
- You will comply with all applicable laws and regulations
4. Account Registration and Security
4.1 Account Creation
To use Portfolio AI, you must create an account by providing accurate information. You are responsible for:
- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Notifying us immediately of any unauthorized access
- Ensuring your account information remains accurate and up-to-date
4.2 Account Connections
When you connect your brokerage or crypto exchange accounts:
- You authorize Portfolio AI to access your account data on a read-only basis
- You represent that you have the authority to grant such access
- You understand that we cannot move, withdraw, or trade your assets
- You can revoke access at any time through your account settings
5. User Responsibilities
You agree to:
- Use the service in compliance with all applicable laws
- Not use the service for any illegal or unauthorized purpose
- Not attempt to gain unauthorized access to our systems
- Not interfere with or disrupt the service or servers
- Not transmit viruses, malware, or other malicious code
- Not impersonate any person or entity
- Not collect or harvest user data without permission
6. Investment Disclaimer
IMPORTANT: Portfolio AI is NOT a licensed investment advisor, broker-dealer, or financial planner.
- Not Financial Advice: All information, insights, and analysis provided by Portfolio AI are for informational purposes only and do not constitute financial, investment, tax, or legal advice
- No Guarantees: Past performance does not guarantee future results. Investment values can go down as well as up
- Your Responsibility: You are solely responsible for your investment decisions
- Consult Professionals: Always consult with qualified financial, tax, and legal professionals before making investment decisions
- AI Limitations: Our AI-powered insights are based on algorithms and may contain errors or inaccuracies
7. Data Accuracy and Limitations
While we strive for accuracy:
- Data may be delayed or contain errors from third-party sources
- We do not guarantee the accuracy, completeness, or timeliness of any data
- Market data and pricing may be subject to delays
- You should verify important information with your financial institutions
8. Fees and Payment
8.1 Free Trial
We offer a 15-day free trial. No credit card is required for the trial period. You may cancel at any time during the trial without charge.
8.2 Subscription Fees
After the free trial:
- Subscription fees will be charged according to your selected plan
- Fees are billed in advance on a recurring basis (monthly or annually)
- All fees are non-refundable except as required by law
- We reserve the right to change fees with 30 days notice
8.3 Cancellation
You may cancel your subscription at any time. Cancellation will take effect at the end of your current billing period.
9. Intellectual Property
9.1 Our Property
Portfolio AI and its content, features, and functionality are owned by Portfolio AI, Inc. and are protected by copyright, trademark, and other intellectual property laws.
9.2 Your Data
You retain all rights to your financial data. By using our service, you grant us a limited license to use your data solely to provide and improve our services.
10. Third-Party Services
Portfolio AI integrates with third-party services (brokerages, exchanges, data providers):
- We are not responsible for third-party services or their availability
- Third-party services are subject to their own terms and conditions
- We may discontinue integration with any third-party service at any time
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- Portfolio AI is provided "AS IS" and "AS AVAILABLE" without warranties of any kind
- We disclaim all warranties, express or implied, including merchantability and fitness for a particular purpose
- We shall not be liable for any indirect, incidental, special, consequential, or punitive damages
- Our total liability shall not exceed the amount you paid us in the 12 months preceding the claim
- We are not liable for investment losses, missed opportunities, or financial decisions based on our service
12. Indemnification
You agree to indemnify and hold harmless Portfolio AI, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
- Your use of the service
- Your violation of these Terms
- Your violation of any rights of another party
- Your investment decisions
13. Termination
13.1 By You
You may terminate your account at any time by contacting support or through your account settings.
13.2 By Us
We reserve the right to suspend or terminate your account:
- If you violate these Terms
- If you engage in fraudulent or illegal activities
- If your account remains inactive for an extended period
- For any reason with 30 days notice
13.3 Effect of Termination
Upon termination:
- Your right to use the service immediately ceases
- We may delete your account data in accordance with our data retention policy
- You remain liable for any outstanding fees
14. Modifications to Terms
We may modify these Terms at any time. We will notify you of material changes by email or through our service. Your continued use after changes become effective constitutes acceptance of the modified Terms.
15. Modifications to Service
We reserve the right to:
- Modify or discontinue any feature or functionality
- Change pricing with 30 days notice
- Impose usage limits or restrictions
- Temporarily suspend the service for maintenance
16. Privacy
Your use of Portfolio AI is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.
17. Dispute Resolution
17.1 Governing Law
These Terms shall be governed by the laws of [Your State/Country], without regard to conflict of law provisions.
17.2 Arbitration
Any dispute arising from these Terms or your use of Portfolio AI shall be resolved through binding arbitration, except you may assert claims in small claims court if they qualify.
17.3 Class Action Waiver
You agree to resolve disputes with Portfolio AI on an individual basis. You waive any right to participate in class actions or class-wide arbitration.
18. General Provisions
18.1 Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Portfolio AI.
18.2 Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full effect.
18.3 No Waiver
Our failure to enforce any right or provision shall not be deemed a waiver of such right or provision.
18.4 Assignment
You may not assign or transfer these Terms without our written consent. We may assign these Terms without restriction.
19. Contact Information
If you have questions about these Terms, please contact us:
- Email: legal@portfolioai.com
- Support: support@portfolioai.com
- Address: Portfolio AI, Inc., [Your Address]
20. Acknowledgment
BY USING PORTFOLIO AI, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.