1. Introduction
Welcome to AI Advisors, a stock investment tracking and AI-powered recommendation app owned by AI Advisors LLC, located at 25 W Randolph St APT 3107, Chicago, Illinois 60601-3527. The domain address for the AI Advisors website and app is www.aiadvisorapp.com (the "Service"). By accessing or using the Service, you ("User" or "You") agree to comply with and be bound by the following Terms and Conditions ("Terms"). Please read these Terms carefully before using the Service. If you do not agree with these Terms, you must not access or use the Service.
2. Description of the Service
AI Advisors provides an app that offers the following services:
- Tracking investment portfolios in stocks, ETFs, money market funds, bonds, and other financial instruments.
- Real-time news updates from credible financial news sources via Finnhub.io integration.
- A robust generative AI recommendation tool to help users plan their stock investments.
- Real-time stock graphs, charts, and trends via TradingView and Google Finance API integration.
- Personalized stock recommendations based on a questionnaire assessing the user’s financial situation and goals.
The Service is intended solely for informational purposes and is not a substitute for professional investment advice, legal counsel, or other professional services.
3. User Registration and Account Management
To access and use the Service, you must create an account by providing the following information:
- Full name
- Email address (used for sending One-Time Passcodes (OTPs) and account-related communications)
- Phone number
Your personal information will be securely stored and protected. AI Advisors LLC will not share this information with third parties unless explicitly stated in future updates to the Terms and Conditions.
Additionally, you must complete a financial questionnaire consisting of 26 questions about your financial situation and investment goals. This information will not be stored; it will only be used to generate personalized stock investment recommendations via AI algorithms. There will be no human expert intervention, and the app owner assumes no liability for any financial outcomes or decisions made based on these recommendations.
4. Authentication & Security
AI Advisors LLC implements reasonable measures to store your personal information securely. However, while we take precautions to protect your data, we cannot guarantee the security of your information during transmission through the internet. By using the Service, you agree that AI Advisors LLC shall not be held liable for any breaches of security or unauthorized access to your personal information
5. Subscription Model and Payment
The Service is currently free to use. AI Advisors LLC reserves the right to introduce a paid subscription model in the future, which will be communicated to users in advance. If a paid model is introduced, users will be required to agree to new terms before subscribing.
6. User Data
AI Advisors LLC does not store your financial investment information or responses to the financial questionnaire. The only personal information retained is your account registration data, such as name, email address, and phone number. This information is stored solely for database purposes and account management. AI Advisors LLC will not share this data with third parties, unless stated otherwise in a future update to the Terms and Conditions.
7. Securities Regulations and User Responsibility
The Service is not intended to provide personalized investment advice. Users must ensure their own due diligence and compliance with relevant securities regulations, including the SEC and any applicable governing bodies based on their location, tax residence, and the jurisdiction of the stock exchanges they engage with.
By using the Service, you acknowledge that any investment decisions you make are solely your responsibility. AI Advisors LLC does not assume liability for any financial loss or damages arising from the use of the Service, including reliance on AI-generated recommendations.
8. AI Limitations and No Performance Guarantees
The AI-powered tools provided by AI Advisors are designed to generate personalized investment recommendations based on user-inputted information. However, the recommendations are based on algorithms that process data, and the accuracy of the recommendations cannot be guaranteed. Past performance is not indicative of future results. The AI is a tool, and its effectiveness may be impacted by unforeseen market conditions and events.
9. Limitation of Liability
To the fullest extent permitted by law, AI Advisors LLC, its affiliates, officers, employees, and agents shall not be liable for any losses, damages, or other consequences, whether direct or indirect, special, incidental, punitive, or consequential, arising from or related to your use of the Service, including but not limited to:
- Any financial losses or damages resulting from using the AI-powered recommendations.
- Errors or omissions in the content, data, or recommendations provided by the Service.
- Any interruptions, delays, or failures in the operation of the Service.
- The inaccuracy, incompleteness, or unsuitability of any information or content provided by the Service.
By using the Service, you agree to indemnify and hold harmless AI Advisors LLC and its affiliates from any claims, losses, damages, liabilities, or expenses (including reasonable attorney fees) arising out of or related to your use of the Service.
10. Third-Party Content and Services
The Service may include links to third-party websites or content, such as stock charts from TradingView, financial news from Finnhub.io, or external market data providers. AI Advisors LLC does not control or endorse any third-party content or services and is not responsible for any content or services provided by third parties. You agree to use any third-party links or services at your own risk.
11. Modifications to the Service and Terms
AI Advisors LLC reserves the right to modify, suspend, or discontinue the Service, or any part of it, at any time without notice. We may also update these Terms from time to time. Any changes to the Terms will take effect once they are published on the app, website, or app stores, whichever occurs first. You are responsible for reviewing these Terms regularly to ensure compliance. Continued use of the Service after such modifications constitutes your acceptance of the updated Terms.
12. Dispute Resolution
By using the Service, you agree to relinquish any rights to hold AI Advisors LLC accountable for any disputes, and the app owner’s decision regarding any dispute will be final. Any legal action or proceeding related to these Terms shall be governed by the laws of the State of Illinois, without regard to its conflict of law principles. Disputes arising from your use of the Service will be resolved exclusively through the courts located in Cook County, Illinois.
13. Age Restrictions
You must be at least 18 years old or of legal age in your jurisdiction to use the Service. By accessing or using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.
14. Service Notifications
By creating an account, you automatically opt into receiving push notifications. These notifications may include:
- Updates on the value of your stock portfolio and the current market price during trading hours.
- Newly updated investment news and articles relevant to your portfolio.
15. Contact Information
If you have any questions or concerns about these Terms, please contact us at: AI Advisors LLC 25 W Randolph St APT 3107 Chicago, Illinois 60601-3527 Email: contact@aiadvisorapp.com Phone: (773) 690-0874