Terms of Service

Alphio.ai is a comprehensive financial AI assistant platform. Our Service enables you to:

• Financial Analysis: access AI-driven analysis for stocks, ETFs, and cryptocurrencies.
• Market Screening: use quantitative "Screener" tools to filter assets based on multi-factor strategies.
• Portfolio and Watchlist Diagnosis: obtain AI-generated health checks and optimization suggestions for your holdings.
• Automated Trading: set up and execute automated trading conditions, including entry/exit strategies and stop-loss / take-profit orders via integrated APIs.
• Intelligent Alerts: monitor breaking news, individual asset events, and social sentiment (e.g. X / Twitter) with real-time AI processing.
• Market Reviews: generate personalized daily, evening, and weekly market recap reports.
• AI Agents: deploy NLP-driven agents to perform scheduled tasks and skills related to financial research.

To use certain features, including Auto Trading and Screeners, you must register for an account. You agree to provide accurate and complete information.

You must be at least 18 years of age (or the legal age of majority in your jurisdiction) to use the financial and trading features of Alphio.ai.

You assume full responsibility for all activities occurring under your account, including any automated trades executed through our Service. Alphio.ai is not liable for losses resulting from unauthorized access or your failure to secure your API keys or credentials.

Account Deletion: you may contact us at contact@alphio.ai to request account deletion. The process may take up to 30 days.

"Input" refers to the queries, tickers, or strategy parameters you provide. "Output" refers to the analysis reports, trade signals, and summaries generated by Alphio.ai.

You grant us a worldwide, non-exclusive license to use your Inputs to provide and improve the Service. However, we recognize the sensitivity of financial strategies and will treat such data in accordance with our Privacy Policy.

You represent that your use of the Service, including automated trading, complies with the regulations of your local financial authorities.

Alphio.ai owns all rights to the platform's underlying models, algorithms, and proprietary screening technologies.

Usage Rights

• Subscribed users: we assign to you the rights to the specific Output (e.g. a custom research report) generated during your subscription for your personal or internal business use.
• Free users: Output is for personal, non-commercial use only.

You may not reverse engineer or attempt to extract the source code of our proprietary quantitative models.

You agree NOT to use the Service to:

• Engage in market manipulation, insider trading, or any activity that violates securities laws.
• Disseminate AI-generated financial misinformation or "fake news" to influence asset prices.
• Provide regulated financial advice to third parties without the necessary licenses.

AI Identifiers: in compliance with regulations, Alphio.ai may embed "AI-Generated" metadata or watermarks in financial reports. You shall not delete or forge these identifiers.

Credit System: Alphio.ai operates on a credit basis (Monthly, Recharge, and Limited-time credits).

Expiry

• Monthly credits: reset every billing cycle (no rollover).
• Recharge credits: valid for 1 year (365 days) from the date of purchase.
• Limited-time credits (referrals / check-ins): subject to specific short-term expiry (e.g. 7–30 days).

Deduction Order: credits are deducted in the order Limited-time → Monthly → Recharge.

7.1 Finality of Sales

Alphio.ai provides digital financial services, including but not limited to AI-driven investment strategies, market signals, and automated trading execution. All payments for subscriptions, credits, AI strategy access, and Auto Trade service activations are final and non-refundable.

7.2 No Refunds for Market Performance

You explicitly acknowledge and agree that under-performance of any AI strategy or financial losses incurred during Auto Trade are NOT grounds for a refund. The purchase price reflects access to proprietary technology and computational resources, not a guaranteed financial outcome.

7.3 Consumption of Credits

Once credits are consumed for an AI analysis or a trade is triggered by the Auto Trade system, the service is deemed fully rendered.

Financial Risk: Alphio.ai is an AI tool, not a financial advisor. You acknowledge that all trading involves risk. Alphio.ai shall not be liable for any trading losses, lost profits, or damages resulting from the use of our analysis or automated trading features.

To the maximum extent permitted by law, our total liability shall not exceed the amount you have paid to Alphio.ai in the 12 months prior to the claim.

9.1 Not Financial Advice

The Output generated by Alphio.ai is for informational purposes only and does NOT constitute professional investment, legal, or tax advice.

9.2 Accuracy

AI models may "hallucinate" or provide inaccurate financial data due to market volatility or latency. You must independently verify all data before making investment decisions.

9.3 Auto Trading Risks

Automated systems may fail due to internet connectivity, API errors, or unexpected market conditions. You are solely responsible for monitoring your automated strategies and managing your risk.

By enabling and using the Auto Trade feature, you acknowledge and voluntarily assume the following specific risks:

• Technology service provider status: you acknowledge that Alphio is a technology service provider, not a financial institution, broker-dealer, or investment advisor. Alphio provides the software interface and execution tools for your convenience but does not manage your funds or provide personalized investment advice.
• User-initiated execution: Alphio cannot execute any trades or transmit trading signals without your explicit authorization and pre-set instructions. All trades initiated through our Service are deemed to be initiated and controlled by you. Alphio does not have independent discretion over your brokerage or exchange account.
• Systemic and technical risks: automated trading relies on the stability of third-party exchange APIs, internet connectivity, and Alphio.ai server uptime. You acknowledge that latency, system lags, or API disconnections may result in trades being executed at prices different from expected levels (slippage) or failing to execute entirely.
• Strategy risk: AI strategies are based on historical data and probabilistic models. Past performance is not indicative of future results. A strategy that performed well in historical backtesting may fail in live market conditions.
• Execution risk: during periods of high market volatility or low liquidity, the Auto Trade system may execute orders at significantly unfavorable prices. Alphio.ai is not responsible for losses caused by market gaps or flash crashes.
• Parameter responsibility: you are solely responsible for setting and monitoring the parameters of your Auto Trade (e.g. stop-loss levels, position sizing, and API permissions). Alphio.ai shall not be liable for losses resulting from user-configured errors or failure to monitor active automated strategies.
• No safety net: the Auto Trade feature is an execution tool, not a managed investment fund. There is no guarantee that stop-loss orders will be filled at the exact price specified in a fast-moving market.

11.1 Absolute Exclusion of Trading Losses

To the maximum extent permitted by law, Alphio.ai, its founders, and employees shall NOT be liable for any direct or indirect financial losses, including but not limited to loss of principal, margin calls, or liquidation, arising from the use of AI strategies or Auto Trade features. You use these tools at your own risk ("As Is").

11.2 Service Interruption

We do not guarantee that the Auto Trade service will be uninterrupted. In the event of a technical failure on our platform, our sole liability is limited to the potential reversal of the credits consumed for that specific failed execution, at our absolute discretion.

This Agreement is governed by the laws of Singapore.

For questions or to report issues, please contact us at: contact@alphio.ai