Terms of Service

1. Service Description

AI Portfolio Advisor ("the Service") is a stock market analysis and portfolio tracking tool for Indian markets (NSE/BSE). The Service uses AI agents to screen stocks, monitor macro conditions, and provide data-driven insights.

2. Not Financial Advice

The Service does NOT provide financial advice. All information, analysis, and signals are for educational and informational purposes only.

• We are not SEBI-registered investment advisors
• Past performance does not guarantee future results
• You are solely responsible for your investment decisions
• Always consult a qualified financial advisor before investing
• Trading in stocks and derivatives involves substantial risk of loss

3. User Accounts

• You must provide accurate information during registration
• You are responsible for maintaining the security of your account
• One account per person — duplicate accounts may be terminated
• You must be at least 18 years old to use the Service

4. Subscription Tiers

The Service offers Free, Pro, and Premium tiers with different feature access levels. Tier upgrades are processed manually. We reserve the right to modify pricing and features with reasonable notice.

5. Broker Integration

If you connect your broker account (Angel One, Zerodha, Groww), you acknowledge that:

• Your broker credentials are encrypted and stored securely
• We use your broker API only for the features you explicitly enable
• Auto-trade features (if enabled) execute real orders — you accept full responsibility
• We are not liable for losses from trades executed through broker APIs

6. Paper Trading

The options paper trading feature uses virtual capital only. No real money is involved. Paper trading results do not guarantee live trading performance.

7. Data & Privacy

• We collect: email, name, and portfolio data you enter
• Broker credentials are Fernet-encrypted at rest
• We do not sell your personal data to third parties
• Market data is sourced from public APIs (yfinance, NSE, FRED)
• You can delete your account and data by contacting support

8. Limitation of Liability

The Service is provided "as is" without warranties. We are not liable for:

• Financial losses from trading decisions based on our analysis
• Service downtime or data inaccuracies
• Broker API failures or order execution issues
• Third-party data source errors

9. Termination

We may suspend or terminate your account for violations of these terms, abusive behavior, or at our discretion with reasonable notice.

10. Contact

For questions about these terms, contact us at the email provided on the landing page.