Terms of Service

aiportfolioanalyst.com, Inc.

Last Updated: April 23, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the website, software, and services provided by aiportfolioanalyst.com, Inc., a California corporation ("Company," "we," "us," or "our"), including the websites located at aiportfolioanalyst.com and aiproanalyst.com, and the software-as-a-service platform offered through those websites (collectively, the "Service").

By accessing or using the Service, you ("User" or "you") agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you may not access or use the Service.

If you are accessing or using the Service on behalf of a business, organization, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, and "you" refers to both you individually and that entity.

2. Eligibility

To use the Service, you must:

• Be at least 18 years of age;
• Have the legal capacity to enter into a binding contract;
• Not be prohibited from receiving the Service under applicable laws; and
• Reside in a jurisdiction where use of the Service is permitted.

The Service is intended for users located in the United States. We make no representation that the Service is appropriate or available for use in other jurisdictions. Those who access the Service from other jurisdictions do so on their own initiative and are responsible for compliance with local laws.

3. Service Description

The Company provides a software-as-a-service platform that uses artificial intelligence, machine learning, and algorithmic models to analyze investment portfolios. The Service generates software-based analysis, scores, and commentary regarding securities and portfolios based on mathematical models, historical data, market data, and algorithmic calculations.

The Service is a technology tool. It is not an investment advisory service, brokerage service, or financial planning service. The Company does not hold, manage, or have authority over any funds, accounts, or securities belonging to Users or third parties. The Service does not execute trades, place orders, or custody assets.

4. Account Registration

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration;
• Maintain and promptly update your account information;
• Maintain the security and confidentiality of your credentials;
• Accept responsibility for all activities that occur under your account; and
• Notify the Company immediately of any unauthorized access or use.

You may not share your account credentials with others or allow others to use your account. The Company is not liable for any loss or damage arising from your failure to comply with this Section.

5. License Grant

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal or internal business purposes.

This license does not permit you to:

• Copy, modify, or create derivative works of the Service;
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying algorithms of the Service;
• Remove, alter, or obscure any proprietary notices;
• Use the Service to build or train a competing product, service, or machine learning model;
• Scrape, crawl, or extract data from the Service using automated means; or
• Resell, sublicense, or redistribute the Service or Service Output to third parties for compensation without a separate written agreement with the Company.

6. Acceptable Use

You agree not to use the Service:

• In violation of any applicable law, regulation, or third-party right;
• To provide personalized investment advice, portfolio management, financial planning, or similar services to any third party, whether for compensation or otherwise, without first entering into a separate written agreement with the Company governing such use;
• To make investment decisions on behalf of any person other than yourself, unless you are a properly licensed and registered professional and have entered into a separate written agreement with the Company;
• To transmit any viruses, malware, or other harmful code;
• To interfere with, disrupt, or impose an unreasonable load on the Service or servers;
• To attempt to gain unauthorized access to the Service, other Users’ accounts, or any systems or networks connected to the Service;
• To harvest or collect information about other Users;
• To manipulate, spoof, or misrepresent data submitted to the Service; or
• For any fraudulent, deceptive, or illegal purpose.

The Company reserves the right to investigate and take appropriate action against any User who violates this Section 6, including terminating the User’s account, removing content, and pursuing legal and equitable remedies.

7. Professional Users; Representations and Warranties

If you are a registered investment adviser, investment adviser representative, broker-dealer, registered representative, financial planner, insurance agent, accountant, attorney, or other regulated financial professional, or if you use the Service in connection with your provision of services to clients or third parties, you represent and warrant that:

• You are properly registered, licensed, or otherwise authorized to conduct the activities for which you use the Service in all applicable jurisdictions;
• You are and will remain in compliance with all applicable laws, rules, and regulations, including but not limited to the Investment Advisers Act of 1940, the Securities Exchange Act of 1934, state securities laws, and any rules of self-regulatory organizations;
• You maintain professional liability, errors and omissions, cyber liability, and other insurance coverage appropriate to your practice;
• You will comply with your fiduciary, suitability, best interest, and other duties to your clients;
• You will not represent or imply that the Company or the Service is the source of, or responsible for, any investment advice you provide to your clients;
• You will make your own independent determination as to whether any analysis or Service Output is appropriate for any particular client or situation, and you will not rely solely on the Service in making any recommendation to a client; and
• You will conduct appropriate vendor due diligence on the Service as required by applicable law and your professional obligations.

You acknowledge that the Company is not registered as an investment adviser, broker-dealer, or other financial institution, and the Company’s provision of the Service does not constitute investment advice to you or to any of your clients. You are solely responsible for any advice you provide to your clients using the Service.

8. No Investment Advice; Software-Generated Analysis

THE SERVICE PROVIDES AUTOMATED, SOFTWARE-GENERATED ANALYSIS ONLY. THE ANALYSIS, SCORES, RECOMMENDATIONS, AND COMMENTARY GENERATED BY THE SERVICE ARE NOT INVESTMENT ADVICE, RECOMMENDATIONS, OR SOLICITATIONS FROM THE COMPANY, ITS OFFICERS, EMPLOYEES, OR AGENTS.

Specifically:

• All buy, sell, hold, or other suggestions displayed by the Service are the result of automated software analysis based on mathematical models, historical data, and algorithmic calculations;
• The Service generates impersonal analysis available on a non-customized basis to all Users subscribing to the applicable tier, and does not provide individualized advice attuned to your specific portfolio, financial situation, risk tolerance, investment objectives, or needs;
• The Company does not have a fiduciary, advisory, or similar relationship with you;
• The Service does not constitute an offer, solicitation, or recommendation to buy, sell, or hold any security;
• Market data, fundamental data, and other inputs may be delayed, incomplete, or inaccurate;
• Past performance is not indicative of future results; all investments involve risk and may lose value.

YOU ARE SOLELY RESPONSIBLE FOR YOUR INVESTMENT DECISIONS. YOU SHOULD CONDUCT YOUR OWN RESEARCH, CONSIDER YOUR FINANCIAL SITUATION, AND CONSULT WITH QUALIFIED LICENSED PROFESSIONALS BEFORE MAKING ANY INVESTMENT DECISIONS.

9. Regulatory Compliance — User Responsibility

You are solely responsible for determining whether your use of the Service complies with applicable laws and regulations in your jurisdiction, including but not limited to federal and state securities laws, investment adviser regulations, broker-dealer regulations, commodity trading regulations, tax laws, anti-money-laundering laws, and professional licensing requirements.

The Company does not monitor or control the uses to which you put the Service. You agree that you will not use the Service in any manner that would cause the Company to be subject to registration or regulation as an investment adviser, broker-dealer, commodity trading adviser, or other regulated financial institution. If your use of the Service would, in the Company’s reasonable judgment, create such a risk, the Company may suspend or terminate your access.

10. Intellectual Property

The Service, including all software, algorithms, models, data compilations, text, graphics, images, user interfaces, designs, trademarks, and other content (other than User Data), and all intellectual property rights therein, are and will remain the exclusive property of the Company or its licensors. These Terms do not transfer to you any ownership rights.

All analysis, scores, reports, and outputs generated by the Service ("Service Output") are the intellectual property of the Company. Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable license to use Service Output solely for your personal or internal business purposes. You may not redistribute, republish, resell, or publicly display Service Output to or for third parties without the Company’s prior written consent.

11. User Data

"User Data" means the portfolio holdings, transaction records, account information, and other information you provide to or upload into the Service.

You retain ownership of your User Data. By providing User Data to the Service, you grant the Company a worldwide, non-exclusive, royalty-free license to use, host, process, store, reproduce, modify, and display your User Data solely for the purposes of (a) providing the Service to you, (b) operating, improving, and developing the Service, (c) generating aggregated or de-identified analytics that do not identify you, and (d) complying with legal obligations.

The Company maintains commercially reasonable administrative, technical, and physical safeguards designed to protect User Data. However, no system is completely secure, and the Company cannot guarantee absolute security. You are responsible for maintaining secure credentials and for the accuracy of the User Data you provide.

For details on how the Company collects, uses, and discloses personal information, see our Privacy Policy.

12. Feedback

If you provide the Company with any suggestions, comments, ideas, improvements, feature requests, or other feedback regarding the Service ("Feedback"), you grant the Company a perpetual, irrevocable, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, modify, prepare derivative works of, and commercialize such Feedback for any purpose, without any obligation, attribution, or compensation to you.

13. Fees and Payment

Certain features of the Service may be available only through paid subscription plans. Fees, billing cycles, and payment terms for subscription plans are set forth on the Service or in a separate order form.

Unless otherwise stated in writing:

• All fees are non-refundable except as expressly provided in these Terms or by applicable law;
• Subscriptions renew automatically at the end of each billing period until cancelled;
• You may cancel your subscription at any time, with cancellation taking effect at the end of the then-current billing period;
• The Company may change fees upon thirty (30) days’ advance notice, which will take effect at the start of your next billing period;
• You authorize the Company to charge the payment method on file for all fees due;
• You are responsible for all taxes associated with your use of the Service, other than taxes based on the Company’s net income.

The Company may suspend or terminate your access to paid features if any payment is overdue.

14. Disclaimer of Warranties

THE SERVICE AND ALL CONTENT, DATA, AND SERVICE OUTPUT PROVIDED THROUGH THE SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY;
• WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE;
• WARRANTIES OF NON-INFRINGEMENT;
• WARRANTIES OF ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, OR CURRENCY;
• WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; AND
• WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

THE COMPANY DOES NOT WARRANT THAT THE SERVICE OR ITS ANALYSIS IS ACCURATE, COMPLETE, RELIABLE, CURRENT, OR FREE OF ERRORS. MARKET DATA, FUNDAMENTAL DATA, AND OTHER INPUTS MAY BE DELAYED, INCOMPLETE, OR INACCURATE. ANALYSIS OUTPUT MAY NOT REFLECT REAL-TIME MARKET CONDITIONS. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. INVESTMENT DECISIONS MADE IN RELIANCE ON THE SERVICE MAY RESULT IN SUBSTANTIAL LOSSES, INCLUDING THE LOSS OF YOUR ENTIRE INVESTMENT.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. THE ABOVE DISCLAIMERS APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST INVESTMENTS, INVESTMENT LOSSES, TRADING LOSSES, MISSED OPPORTUNITIES, LOSS OF DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF (OR INABILITY TO USE) THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT WILL THE COMPANY’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO THE COMPANY DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD $100).

YOU ACKNOWLEDGE AND AGREE THAT THE LIMITATIONS IN THIS SECTION 15 ARE ESSENTIAL ELEMENTS OF THE BARGAIN BETWEEN THE PARTIES AND THAT THE SERVICE WOULD NOT BE PROVIDED WITHOUT THESE LIMITATIONS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES; IN SUCH JURISDICTIONS, THE COMPANY’S LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

16. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its officers, directors, employees, agents, affiliates, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or relating to:

• Your use of or inability to use the Service;
• Your violation of these Terms;
• Your violation of any applicable law, regulation, or third-party right;
• Your User Data or any content you submit to the Service;
• Investment decisions made by you or any third party, including any clients or third parties to whom you provide services, based in whole or in part on the Service;
• Any claim by a third party (including any client to whom you provide services) relating to your use of the Service or Service Output;
• Any regulatory inquiry, examination, investigation, or enforcement action initiated by any governmental or self-regulatory authority relating to your activities using the Service; and
• Any breach by you of any representation or warranty in these Terms.

The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with the Company in asserting any available defenses. You may not settle any claim indemnified under this Section without the Company’s prior written consent.

17. Termination

The Company may, in its sole discretion and without prior notice, suspend or terminate your access to the Service, terminate your account, or remove any content:

• For any violation of these Terms;
• For suspected fraud, abuse, or illegal activity;
• For failure to pay any fees when due;
• If required by law, court order, or regulatory authority;
• If your use of the Service creates a risk that the Company could be deemed to be acting as an investment adviser, broker-dealer, or other regulated entity; or
• For any other reason at the Company’s discretion.

You may terminate your account at any time by using the account deletion feature within the Service or by contacting the Company at legal@aiportfolioanalyst.com.

Upon termination:

• Your right to access and use the Service will immediately cease;
• The Company may delete your User Data, subject to its data retention policies and applicable law;
• Sections of these Terms that by their nature should survive termination will remain in effect (see Section 27, Survival);
• You remain liable for any fees accrued before termination.

18. Modifications to the Service and Terms

The Company may modify, suspend, or discontinue the Service, in whole or in part, at any time, with or without notice. The Company will not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

The Company may modify these Terms at any time by posting the revised Terms on the Service or by notifying you through the Service or by email. Material changes will be communicated with at least thirty (30) days’ advance notice where commercially practicable. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of them. If you do not agree to the revised Terms, you must stop using the Service.

19. Privacy

Your privacy is important to the Company. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. California residents have specific rights under the California Consumer Privacy Act (as amended by the CPRA); these rights are described in the Privacy Policy.

20. Governing Law

These Terms and any dispute arising out of or relating to these Terms or the Service are governed by the laws of the State of California, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

21. Dispute Resolution; Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

(a) Informal Resolution. Before filing any arbitration or lawsuit, the parties will attempt to resolve any dispute informally. The complaining party will provide written notice of the dispute to the other party describing the nature and basis of the claim and the relief sought, and the parties will negotiate in good faith for at least thirty (30) days before initiating any formal proceeding.

(b) Binding Arbitration. Except as provided in Section 21(d) below, any dispute arising out of or relating to these Terms or the Service will be resolved exclusively through binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration will be conducted in Santa Clara County, California, or by telephone or videoconference at the arbitrator’s discretion. The arbitrator’s decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

(c) Class Action Waiver. YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN CLAIMS OF MULTIPLE PARTIES AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING. IF THIS CLASS ACTION WAIVER IS FOUND UNENFORCEABLE, THEN THE ENTIRETY OF THIS SECTION 21 WILL BE NULL AND VOID.

(d) Exceptions. Notwithstanding the above, either party may (i) bring an individual action in small claims court, or (ii) seek injunctive or equitable relief in a court of competent jurisdiction to prevent the unauthorized use or infringement of intellectual property rights or breach of confidentiality obligations.

(e) Venue for Non-Arbitrable Claims. For any claim that is not subject to arbitration under this Section, the parties submit to the exclusive jurisdiction and venue of the state and federal courts located in Santa Clara County, California, and waive any objection to venue or personal jurisdiction in such courts.

(f) Opt-Out. You may opt out of the arbitration agreement in this Section 21 by sending written notice to legal@aiportfolioanalyst.com within thirty (30) days of first accepting these Terms. Your notice must include your full name, email address associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out of arbitration does not affect any other provision of these Terms.

(g) Survival. This Section 21 survives any termination of these Terms or your account.

22. Force Majeure

The Company will not be liable for any failure or delay in performance under these Terms caused by events beyond its reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, civil unrest, internet or telecommunications outages, cyberattacks, third-party service provider failures, pandemics, epidemics, or governmental actions.

23. Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder, by operation of law or otherwise, without the Company’s prior written consent. Any attempted assignment in violation of this Section is void. The Company may assign these Terms without restriction, including in connection with a merger, acquisition, sale of assets, financing, or reorganization. These Terms bind and inure to the benefit of the parties’ permitted successors and assigns.

24. Severability

If any provision of these Terms is held by a court of competent jurisdiction or arbitrator to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it enforceable while preserving the parties’ intent.

25. Waiver

The Company’s failure to enforce any provision of these Terms is not a waiver of its right to enforce that provision or any other provision in the future. Any waiver of any provision of these Terms must be in writing and signed by an authorized representative of the Company to be effective.

26. Entire Agreement

These Terms, together with the Privacy Policy and any order form, subscription agreement, or written professional-user agreement between you and the Company, constitute the entire agreement between you and the Company regarding the Service and supersede all prior and contemporaneous agreements, proposals, understandings, and representations, whether oral or written. In the event of a conflict between these Terms and a separate written agreement signed by an authorized representative of the Company, the separate written agreement will control with respect to the subject matter it addresses.

27. Survival

The following provisions survive termination of these Terms: Sections 7 (Professional Users), 8 (No Investment Advice), 9 (Regulatory Compliance), 10 (Intellectual Property), 11 (User Data, with respect to any continuing licenses and obligations), 12 (Feedback), 14 (Disclaimer of Warranties), 15 (Limitation of Liability), 16 (Indemnification), 20 (Governing Law), 21 (Dispute Resolution), 23 (Assignment), 24 (Severability), 25 (Waiver), 26 (Entire Agreement), this Section 27, and 28 (Notices), and any other provisions that by their nature are intended to survive.

28. Notices

The Company may give notice to you by email to the address associated with your account, by posting a notice on the Service, or by any other reasonable means. You must give notice to the Company in writing to:

• aiportfolioanalyst.com, Inc.
• Attn: Legal Department
• 1188 St Charles Ct, Los Altos, CA 94024, USA
• Email: legal@aiportfolioanalyst.com

Notices are deemed received when delivered.

29. Relationship of Parties

The parties are independent contractors. These Terms do not create any agency, partnership, joint venture, employment, or fiduciary relationship between the parties. Neither party has authority to bind the other.

30. Headings and Interpretation

The headings in these Terms are for convenience only and do not affect the interpretation of these Terms. The words "include," "includes," and "including" are not limiting and will be deemed to be followed by "without limitation." References to a statute, rule, or regulation include any amendments thereto and any successor provisions.

31. Contact Information

For questions about these Terms or the Service, please contact:

• Email: legal@aiportfolioanalyst.com
• Address: aiportfolioanalyst.com, Inc. 1188 St Charles Ct Los Altos CA 94024 USA

BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS.