Terms of Service

1. Acceptance of Terms

By accessing or using AlgoThesis (“the Service”), operated by 1232216 B.C. Ltd., doing business as AlgoThesis (“we”, “us”, “our”), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

AlgoThesis is an AI-powered research workbench that uses artificial intelligence to turn a user-provided investment thesis into a researched basket of securities — selected tickers, suggested weights, and the rationale for each. The Service includes thesis-driven strategy generation, a fundamentals screener built on public SEC filings, individual ticker data cards with fundamentals, a news Wire, exportable Python code, AI-generated text responses to market questions, and saved workflows. User messages are processed by an AI intent classification system (powered by Google Gemini) to determine the appropriate response type, which may include screener tables, strategy cards, ticker cards, or text answers. The Service is a research and analysis tool — it does not execute trades on your behalf, manage your portfolio, run live or simulated trading, or make investment decisions for you.

3. Regulatory Status

The Service is an AI-powered research workbench that turns a plain-English thesis into a cited basket of publicly traded securities, with a fundamentals screener, ticker cards, and a news Wire. It does not provide financial advice, investment advice, tax advice, legal advice, or any form of professional advisory services. Any observations concerning any security, trading algorithm, or investment strategy provided through the Service are not recommendations to buy, sell, or hold any investment or security, and are not intended to be relied upon as the basis for any investment decision.

We offer no advice regarding the nature, potential value, risk, or suitability of any particular investment strategy, trading algorithm, transaction, security, or investment. Your financial situation is unique, and any information obtained through the Service may not be appropriate for your situation. You should consult a licensed financial advisor before making any investment decisions.

4. Risk Disclosure

Trading securities and cryptocurrencies involves substantial risk of loss. Any use of the Service, including any trading or investment decisions or strategies, are made entirely at your own risk.

• Past performance does not guarantee future results.
• AI-generated strategies and text responses may contain errors, logical flaws, or lead to losses.
• AI intent classification may misroute your query, returning an unexpected response type (e.g., a screener table instead of a text answer).
• You can lose some or all of your invested capital.
• Cryptocurrency markets are highly volatile and largely unregulated.
• Fundamentals, catalyst information, screener results, and AI analysis may be inaccurate, incomplete, or delayed. Company fundamentals are sourced from public filings (SEC EDGAR) and macro data from public sources (U.S. Treasury, U.S. Bureau of Labor Statistics). Where a licensed market-data feed is enabled, prices and price-derived figures (such as P/E and market capitalization) are provided by that feed and are not guaranteed to be real-time or accurate.
• Different strategies generated from the same thesis may use overlapping tickers. The difference between strategies is ticker selection and portfolio weighting.

4.1 Saved Research

When you save a strategy, AlgoThesis records the thesis, the selected tickers, and the rationale so you can revisit and share it. This data is used to:

• Let you revisit and share research you have generated.
• Improve our strategy generation over time.
• Generate aggregate, anonymized usage statistics.

Accuracy scores are informational only and do not constitute a guarantee of future prediction quality. A high accuracy score on past predictions does not mean future predictions will be equally accurate.

Do not trade with money you cannot afford to lose. If you are unsure whether trading is appropriate for your financial situation, consult a licensed financial advisor.

5. Account Responsibilities

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You must provide accurate information during registration. You must be at least 18 years old to use the Service. You represent that you have the legal capacity to enter into these Terms in your jurisdiction.

6. Use Restrictions and Permitted Use

Personal use. Free and Pro plans are licensed for personal, individual use only. One account per person. You may not share account credentials or allow others to access the Service through your account.

No enterprise or institutional use. Unless you have a separate written enterprise agreement with us, you may not use the Service on behalf of, or for the benefit of, any corporation, fund, partnership, or other business entity. This includes but is not limited to hedge funds, proprietary trading firms, asset managers, family offices, and financial institutions. If you wish to use AlgoThesis for institutional or commercial purposes, contact us at enterprise@algothesis.ai.

No resale or redistribution. You may not resell, redistribute, sublicense, or commercially distribute strategies, code, signals, or any other output generated by the Service. You may not build a competing product or service using outputs from AlgoThesis.

No automated access. You may not use bots, scrapers, or automated tools to access the Service, bulk-generate strategies, or circumvent rate limits, authentication, or access controls. API access, if offered, is governed by its own usage limits and terms.

7. Acceptable Use

You further agree not to:

• Use the Service for any illegal purpose, including market manipulation, insider trading, front-running, or fraud.
• Attempt to reverse-engineer, decompile, or extract source code, model weights, or training data from the Service.
• Use the Service to generate misleading content, fraudulent signals, or “pump and dump” schemes.
• Misrepresent AI-generated outputs as human-created professional financial advice.
• Use the Service in any way that violates applicable securities laws or regulations.

8. AI-Generated Output and Intellectual Property

Our platform and technology. The Service combines proprietary systems with third-party services. Our proprietary components include our catalyst detection and event-mapping system, the thesis-to-basket research engine, multi-agent analysis architecture, intent classification system, screener engine, data aggregation pipelines, and all associated source code, configurations, and system design (collectively, “Platform Technology”). The Service also uses third-party AI language models (Google Gemini, Anthropic Claude) for natural language processing and strategy text generation. Our Platform Technology is and remains our exclusive intellectual property. Nothing in these Terms grants you any right to our source code, system prompts, internal logic, or architecture.

Your inputs. You retain ownership of the theses, ideas, and parameters you submit to the Service (“User Inputs”). You grant us a limited, non-exclusive, royalty-free license to process your User Inputs solely for the purpose of (a) providing the Service to you, and (b) improving the quality of our systems in aggregate and anonymized form. We will not share your individual theses, strategies, or trading data with other users or third parties, except as described in our Privacy Policy.

Generated output. Strategy code, screener results, ticker card data, text responses, analysis, and recommendations generated by the Service (“Output”) are produced by a combination of our Platform Technology (catalyst discovery, fundamentals analysis, basket construction) and third-party AI models (natural language generation). We grant you a non-exclusive, personal, non-transferable license to use, modify, and deploy Output for your own personal trading. You may export and modify generated code for personal use. This license does not extend to commercial redistribution, resale, or use on behalf of a business entity (see Section 6).

No copyright guarantee. Portions of Output are generated with the assistance of AI models. AI-generated content may not be eligible for copyright protection under current law. We make no representations regarding the copyrightability or exclusivity of any Output. Similar inputs from different users may produce similar or identical outputs. We do not guarantee that Output is unique to you.

Upstream model terms. Certain components of Output are generated using third-party AI models subject to their own terms of service and acceptable use policies. Your use of Output must comply with those upstream terms. We are not liable for changes to third-party model providers' terms, availability, or output quality.

9. Third-Party Integrations

The Service sources company fundamentals and filings from SEC EDGAR and macro data from public sources (U.S. Treasury, U.S. Bureau of Labor Statistics). Where a licensed market-data feed is enabled, prices and price-derived metrics are provided by that licensed provider. We are not responsible for the availability, accuracy, or performance of any third-party data source. Your use of any third-party platform is governed by its respective terms and policies.

AlgoThesis does not execute trades. We do not place, submit, or route orders, and we do not connect to a brokerage to trade on your behalf. AlgoThesis is a research and analysis tool; any trading you choose to do happens in your own brokerage account, outside the Service, and is your sole responsibility.

9.2 Market Data Providers

The screener, ticker cards, and other features source company fundamentals from public SEC filings (SEC EDGAR). Where a licensed market-data feed is enabled, prices, P/E ratios, and market capitalization are provided by that licensed provider and may be delayed, inaccurate, or incomplete. We do not guarantee the timeliness or accuracy of any data displayed through the Service. You should verify all data through your brokerage or other authoritative sources before making any trading decisions.

9.3 Bring Your Own API Key (BYOK)

You may optionally provide your own third-party API keys (e.g., Google Gemini) to use with the Service. By providing a key, you represent that you have the right to use it and agree to the third party's terms of service. We store your key in our database to make API calls on your behalf and do not share, log, or use it for any other purpose. You are solely responsible for any costs incurred through your third-party API key. We are not liable for any charges, rate limits, suspensions, or other consequences resulting from your use of a third-party key. You may remove your key at any time.

10. Saved Workflows

The Service allows you to save screener queries and other workflows for repeated execution. Saved workflows are stored in our database (Supabase) and associated with your account. By saving a workflow, you acknowledge that:

• Your saved queries are stored on our servers and subject to our data retention policies.
• Saved workflows re-execute against current market data each time they are run, and results may differ between executions.
• We may limit the number of saved workflows based on your subscription plan.
• Saved workflows will be deleted upon account deletion in accordance with Section 6 of our Privacy Policy.

11. Subscription and Billing

Paid plans are billed monthly via Stripe. You may cancel at any time from your account settings; cancellation takes effect at the end of the current billing period and you retain access until then. We reserve the right to change pricing with 30 days' notice.

Refunds. If you are not satisfied, contact support@algothesis.ai within 7 days of a charge and we will refund that billing period in full, no questions asked. After 7 days, charges for the current period are non-refundable, but you can cancel to avoid future charges. Free-tier usage is subject to daily generation limits that may change at our discretion.

12. Indemnification

You agree to indemnify, defend, and hold harmless AlgoThesis, its founders, officers, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

• Your use of the Service, including any trading losses.
• Your violation of these Terms.
• Your violation of any applicable law, rule, or regulation.
• Any content or data you submit to the Service.
• Any dispute between you and a third-party data provider.

13. Limitation of Liability

To the maximum extent permitted by law, AlgoThesis and its founders, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or trading losses of any kind.
• Loss of data, strategies, or configurations.
• Business interruption or missed trading opportunities.
• Damages arising from errors in AI-generated output.
• Damages arising from third-party data-provider failures.
• Damages arising from inaccurate market data, screener results, ticker card data, or catalyst information.
• Damages arising from AI intent misclassification or incorrect response routing.

Our total aggregate liability for any and all claims arising from or relating to these Terms or the Service shall not exceed the greater of (a) the amount you paid for the Service in the 12 months preceding the claim, or (b) one hundred U.S. dollars (US$100).

You expressly acknowledge that you are using the Service at your own risk and that the Service is provided on an “as is” basis.

14. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, non-infringement, accuracy, or reliability. We do not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free.
• AI-generated strategies will be accurate, complete, or profitable.
• Market data, screener results, ticker card data, or catalyst information will be current or correct.
• AI intent classification will correctly interpret every user query.
• The Service will meet your specific investment objectives.
• AI-generated research or analysis is a reliable indicator of future performance.

15. Dispute Resolution

Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in English. You agree to waive any right to a jury trial or to participate in a class action lawsuit against AlgoThesis. This does not prevent either party from seeking injunctive relief in a court of competent jurisdiction.

16. Termination

We may suspend or terminate your account at any time for violation of these Terms or for any reason with 30 days' notice. We may immediately terminate without notice for suspected fraud, illegal activity, or abuse. You may delete your account at any time. Upon termination, your right to use the Service ceases immediately, and any saved strategies and research will be deactivated.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict of law provisions. Any disputes arising from these Terms shall be resolved in the courts of British Columbia.

18. Severability

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

19. Changes to Terms

We may update these Terms at any time. Material changes will be communicated via email or in-app notice at least 30 days before taking effect. Continued use after changes constitutes acceptance. If you disagree with updated Terms, your sole remedy is to close your account.

20. Entire Agreement

These Terms, together with our Privacy Policy and Risk Disclaimer, constitute the entire agreement between you and AlgoThesis regarding the Service. Any separate enterprise agreement, if applicable, shall take precedence over these Terms to the extent of any conflict.

21. Contact

Questions about these Terms? Contact us at legal@algothesis.ai.

For enterprise licensing inquiries: enterprise@algothesis.ai.