Terms of Service

Last Updated: December 18, 2025

Important Legal Notice

This tool is for EDUCATIONAL PURPOSES ONLY. It does not provide personalized investment, tax, or legal advice.

You are responsible for your own investment decisions. Always consult with qualified financial, tax, and legal professionals before making any financial decisions.

1. Acceptance of Terms

By accessing and using Investment Portfolio Analyst ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Educational Purpose & Disclaimers

THIS SERVICE IS FOR EDUCATIONAL PURPOSES ONLY.

  • The Service does NOT provide personalized investment advice
  • The Service does NOT provide tax or legal advice
  • The Service is NOT a registered investment adviser
  • Analysis and insights are based solely on information you provide
  • AI-generated analysis may contain errors or inaccuracies

YOU ARE SOLELY RESPONSIBLE FOR YOUR INVESTMENT DECISIONS.

The Service is designed to help you understand investment concepts and analyze your portfolio based on general principles. Always consult with qualified professionals before making any financial decisions.

3. User Accounts

Account Creation: You must provide accurate and complete information when creating an account.

Account Security: You are responsible for maintaining the confidentiality of your password and account.

Age Requirement: You must be at least 18 years old to use this Service.

Account Termination: We reserve the right to suspend or terminate accounts that violate these terms.

4. Subscription and Billing

Free Trial: Your first month is free with no credit card required.

Paid Subscriptions: After the trial period, you must enter payment information to continue using the Service.

Billing: Subscriptions are billed monthly. You authorize us to charge your payment method on a recurring basis.

Payment Processing: All payments are processed securely by Stripe. We do not store your credit card information.

Price Changes: We may change subscription prices with 30 days' notice.

Cancellation: You may cancel your subscription at any time. You will retain access until the end of your billing period.

Refunds: We do not offer refunds for partial months of service. If you believe you were charged in error, contact support within 7 days.

5. Acceptable Use

You agree NOT to:

  • Use the Service for any illegal purpose
  • Upload malicious files or attempt to compromise the Service
  • Share your account credentials with others
  • Reverse engineer or attempt to extract source code
  • Use automated tools to scrape or abuse the Service
  • Impersonate others or misrepresent your identity
  • Violate any applicable laws or regulations

6. Intellectual Property

Our Content: The Service, including its design, code, features, and content (excluding your portfolio data), is owned by us and protected by intellectual property laws.

Your Data: You retain all rights to your portfolio data and information. By using the Service, you grant us a limited license to process and analyze your data to provide the Service.

AI Analysis: AI-generated analysis and insights remain your property, though they are based on general investment principles.

7. Data Privacy

Your use of the Service is also governed by our Privacy Policy. Please review ourPrivacy Policyto understand how we collect, use, and protect your information.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

  • The Service is provided "AS IS" without warranties of any kind
  • We are not liable for any investment losses or financial damages
  • We are not liable for inaccuracies in AI-generated analysis
  • We are not responsible for third-party services (Stripe, AWS, etc.)
  • Our total liability is limited to the amount you paid in the last 12 months

We do not guarantee that the Service will be error-free, uninterrupted, or secure. Use the Service at your own risk.

9. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

10. Termination

By You: You may cancel your account at any time through your account settings or by contacting support.

By Us: We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent or abusive behavior.

Effect of Termination: Upon termination, your right to use the Service ceases immediately. Your data will be retained according to our Privacy Policy.

11. Changes to Terms

We may update these Terms from time to time. We will notify you of significant changes via email or through the Service. Continued use of the Service after changes constitutes acceptance of the new Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States. Any disputes will be resolved through binding arbitration.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Contact Us

If you have questions about these Terms of Service, please reach out:

Email: [email protected]

Website: https://myportfolioanalyst.abacusai.app