Terms of Service

3.1 AI-Powered Financial Analysis Platform

AlphAI provides artificial intelligence-powered financial analysis and market insights including:

• Automated analysis of stocks, ETFs, and other financial instruments
• Real-time and historical market data visualization
• Investment insights and market trend analysis
• Portfolio tracking and management tools
• AI-generated market predictions and risk assessments

3.2 Data Sources

Our Service aggregates financial data from multiple licensed providers including Alpha Vantage, news APIs, and other financial data services. We strive to provide accurate and timely information but cannot guarantee the completeness or accuracy of all data.

3.3 Service Availability

We aim to provide 99.9% uptime but reserve the right to perform maintenance, updates, and modifications to the Service. Scheduled maintenance will be communicated in advance when possible.

4.3 Regulatory Compliance

• We are not licensed as an investment advisor or broker-dealer
• Our Service is not regulated by financial authorities as investment advice
• Always consult qualified financial professionals before making investment decisions
• Ensure your use of our Service complies with local securities laws

5.1 Account Creation

You may create an account using:

• Email address and password
• Google OAuth authentication

5.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Using strong passwords and enabling two-factor authentication when available

5.3 Account Information

You agree to provide accurate, current, and complete information during registration and to update such information to maintain its accuracy.

6.1 Subscription Tiers

We offer multiple subscription plans with varying features and access levels. Current pricing and features are available on our website and may be updated periodically.

6.2 Payment Processing

• All payments are processed securely through Stripe
• We accept major credit cards and digital payment methods
• Prices are displayed in multiple currencies but charged in EUR
• Prices may vary by region due to local taxes and fees

6.3 Billing Cycles

• Subscriptions are billed in advance on a monthly or annual basis
• Your subscription automatically renews unless cancelled
• We reserve the right to change prices with 30 days' notice
• Continued use after price changes constitutes acceptance

6.4 Taxes

You are responsible for all taxes, fees, and duties associated with your subscription, except for taxes based on our net income.

7.1 Cancellation

• You may cancel your subscription at any time through your account settings
• Cancellation takes effect at the end of your current billing period
• You retain access to paid features until the end of the billing period
• No partial refunds are provided for unused portions of billing periods

7.2 Refund Policy

• We offer a 30-day money-back guarantee for new subscriptions
• Refunds are processed through the original payment method within 5-10 business days
• Refund requests must be submitted within 30 days of initial purchase
• Accounts with history of abuse or chargebacks may be ineligible for refunds

7.3 Account Termination

We may terminate accounts that:

• Violate these Terms of Service
• Engage in fraudulent or illegal activities
• Abuse or misuse the Service
• Fail to pay subscription fees

8.1 Permitted Uses

You may use our Service for:

• Personal investment research and analysis
• Educational purposes and learning about financial markets
• Business analysis within your organization

8.2 Prohibited Activities

You may NOT:

• Resell, redistribute, or commercialize our data or insights
• Reverse engineer, decompile, or attempt to extract our algorithms
• Scrape, extract, or systematically download our content
• Share account credentials with multiple users
• Use the Service for illegal activities or market manipulation
• Circumvent usage limits or access restrictions
• Interfere with or disrupt the Service or servers

8.3 API Usage Limits

• Subscription plans include specific API rate limits and data access quotas
• Exceeding limits may result in temporary access restrictions
• Commercial use requires explicit written permission
• Bulk data extraction is prohibited without enterprise licensing

9.1 Our Rights

We own all rights to:

• The platform software and underlying technology
• AI algorithms and machine learning models
• User interface design and user experience
• Trademarks, logos, and brand materials
• Aggregated and processed data insights

9.2 Third-Party Data

• Market data is licensed from third parties and subject to their terms
• You may not redistribute or resell this data
• Usage is subject to data provider licensing agreements

9.3 User Content

• You retain ownership of content you provide
• You grant us a license to use your content to provide the Service
• You represent that you have rights to any content you provide

10.3 Indemnification

You agree to indemnify and hold us harmless from claims arising from:

• Your use of the Service
• Investment decisions made using our platform
• Violation of these Terms of Service
• Violation of applicable laws or regulations

11.1 Privacy Policy

Our collection, use, and protection of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference.

11.2 Data Security

We implement industry-standard security measures to protect your data, but cannot guarantee absolute security. You acknowledge the inherent risks of internet transmission.

11.3 GDPR Compliance

For users in the European Union, we comply with GDPR requirements. You have rights regarding your personal data as outlined in our Privacy Policy.

12.1 Service Changes

We reserve the right to:

• Add, modify, or remove features
• Update AI algorithms and analysis methods
• Change data sources or providers
• Modify subscription plans and pricing

12.2 Terms Updates

• We may update these Terms periodically
• Material changes will be communicated via email or platform notice
• Continued use constitutes acceptance of updated Terms
• You may terminate your account if you disagree with changes

13.1 Governing Law

These Terms are governed by the laws of Bulgaria, without regard to conflict of law principles.

13.2 Jurisdiction

Any disputes shall be resolved in the courts of Sofia, Bulgaria. You consent to the personal jurisdiction of these courts.

13.3 Alternative Dispute Resolution

Before pursuing legal action, we encourage:

• Direct communication to resolve disputes amicably
• Use of online mediation platforms for cost-effective resolution