Terms of Service

1. Acceptance of these Terms

By accessing or using the Service, clicking to accept these Terms, or creating an account, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

2. Securities Disclaimer

InvestGPT is a financial information and research publication of general and regular circulation, offered to the public at large. All content, analysis, summaries, scores, data, and other outputs available through the Service (collectively, “Content”) are provided for general informational and educational purposes only.

Nothing in the Service is, or should be construed as, an offer to sell, a solicitation of an offer to buy, or a recommendation, endorsement, or sponsorship of any security, financial product, or strategy by the Company or any third party. The Content is impersonal and is not tailored to the investment needs, objectives, financial situation, or risk tolerance of any specific person. Markets change continuously; previously published Content may become outdated and should not be relied upon as current. Past performance is not a guarantee of future results, and all investing involves risk, including the possible loss of principal.

3. No Investment Advice; Not a Registered Adviser

The Company is not a registered investment adviser, broker-dealer, financial planner, tax adviser, or legal adviser, and is not registered with or licensed by the U.S. Securities and Exchange Commission, FINRA, any state securities regulator, or any other regulatory authority in any capacity. The Service does not provide investment advisory, brokerage, tax, accounting, insurance, or legal services.

Your use of the Service does not create any advisory, fiduciary, or other special relationship between you and the Company. The Content is not a substitute for individualized advice from a qualified licensed professional. You are solely responsible for evaluating the Content and for your own investment, financial, and tax decisions, and you should conduct your own independent research and consult your own licensed advisers before acting. The Service does not, and will not, accept custody of your funds, execute trades on your behalf, or manage any account.

4. Nature of AI-Generated Content

The Service uses artificial intelligence and large language models to generate analysis, summaries, and other outputs (“AI Outputs”). You acknowledge and agree that:

AI Outputs are generated automatically and may be inaccurate, incomplete, outdated, or misleading, and may contain errors or “hallucinations.” AI Outputs are not statements of fact and do not represent the views of the Company. You should not rely on AI Outputs as the sole basis for any decision, and you must independently verify any figure, price, financial datum, or claim against original, authoritative sources before acting on it.

Because AI is probabilistic, identical or similar prompts may produce different outputs at different times or for different users, and outputs are not unique to you or created specifically for you. The Service may be unavailable, interrupted, or limited at any time. Do not submit to the Service any confidential, personal, or sensitive information that you do not want processed by an AI system (see Sections 7 and 11).

5. Eligibility

You must be at least 18 years old and able to form a legally binding contract to use the Service. The Service is intended for users in the United States. By using the Service you represent that you meet these requirements and that your use complies with all laws applicable to you, including that you are not located in, or a resident of, any jurisdiction subject to comprehensive U.S. sanctions, and are not on any U.S. government restricted-party list.

6. Accounts and Registration

To access certain features you must create an account and verify your email address. You agree to provide accurate information, to keep it current, and to keep your credentials confidential. You are responsible for all activity that occurs under your account. One account is intended per person; you may not share, sell, or transfer your account. Notify us promptly at support@rivonai.com of any unauthorized use.

7. Acceptable Use

You agree not to, and not to permit any third party to:

• use the Service for any unlawful purpose, including market manipulation, insider trading, or fraud;
• scrape, crawl, harvest, or use any robot, spider, or automated means to access or extract Content except as expressly permitted;
• resell, redistribute, republish, or commercially exploit the Content or outputs, or use them to build, train, or improve a competing product or model;
• reverse engineer, decompile, or attempt to discover the source code or underlying models of the Service;
• circumvent, disable, or interfere with usage limits, security, rate limits, or the credit system, or abuse free-tier or promotional offers (including by creating multiple accounts);
• attempt to gain unauthorized access to the Service, conduct security-probing or prompt-injection attacks, or transmit malware; or
• submit content that is unlawful, infringing, or that you do not have the right to submit.

8. Subscriptions, Fees, and Payment

Certain features require a paid subscription or the purchase of credits. Prices are stated on the Service and are in U.S. dollars unless stated otherwise; you are responsible for any applicable taxes. Payments are processed by our third-party payment processor, Stripe. By providing a payment method, you authorize us and Stripe to charge that method for all fees you incur. We do not collect or store your full payment-card number.

8.1 Auto-renewal and cancellation

Subscriptions automatically renew. Unless you cancel before the end of the then-current billing period, your subscription will automatically renew and your payment method will be charged the then-current renewal fee on a recurring basis, at the interval disclosed at checkout (for example, monthly).

At checkout we disclose the recurring charge, the billing interval, and how to cancel, and we obtain your affirmative consent to the auto-renewing charge. You may cancel at any time from your account settings or via the customer billing portal, using the same online method by which you subscribed — no phone call or other obstacle is required. Cancellation stops future renewals; it takes effect at the end of the current billing period, and you retain access until then. We will send renewal reminders where required by applicable law. We may change prices or plan features prospectively, with notice before the change applies to you; your continued use after a price change takes effect constitutes acceptance.

8.2 Refunds

Except where required by applicable law, fees are non-refundable and we do not provide refunds or credits for partial periods, unused features, or unused credits. Nothing in this Section limits any non-waivable statutory right you may have, including under applicable automatic- renewal laws.

9. Credits and Free Tier

The Service may offer credits, top-ups, daily allowances, or a free tier that provide access to certain features. Credits are a limited, revocable license to access features of the Service. They are not money, currency, stored value, or property, have no cash value, and are non-transferable and non-redeemable for cash, except where required by applicable law. Credits and free-tier allowances may be subject to expiration, caps, and usage limits, and we may modify, suspend, or discontinue them, or change their value or the cost of any action, at any time. We may revoke credits obtained through error, fraud, or violation of these Terms.

10. Intellectual Property

The Service, including its software, models, design, text, graphics, trademarks, and the selection, arrangement, and synthesis of Content, is owned by the Company or its licensors and is protected by intellectual- property laws, including as a compilation and collective work. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your own personal, non-commercial use, in accordance with these Terms. All rights not expressly granted are reserved. “InvestGPT” and our logos are our trademarks.

11. Your Inputs and Outputs

“Input” means the prompts, questions, and other content you submit to the Service; “Output” means the AI Outputs generated in response to your Input. As between you and the Company, you retain ownership of your Input. Subject to your compliance with these Terms, we assign to you our rights, if any, in the Output generated for you.

You grant the Company a worldwide, non-exclusive, royalty-free, sublicensable license to use, host, store, reproduce, and modify your Input and Output as necessary to operate, provide, secure, maintain, and improve the Service, to enforce these Terms, and to comply with law. You represent that you have all rights necessary to submit your Input and that it does not violate any law or third-party right. How we handle personal information in your Input is described in our Privacy Policy.

12. Third-Party Data, Content, and Links

The Service incorporates market data, filings, news, and other information obtained from third-party sources, and may contain links to third-party websites. Such third-party data and content are provided “as is,” and we do not guarantee their accuracy, completeness, or timeliness and are not responsible for them. Market quotes and data may be delayed by 15 minutes or more and should not be used for time-sensitive trading decisions. Your use of any third-party data or website may be subject to that third party’s own terms. We do not endorse and are not responsible for any third-party site or service.

13. Disclaimer of Warranties

The Service, including all Content, AI Outputs, and third-party data, is provided on an “AS IS” and “AS AVAILABLE” basis, without warranties of any kind, whether express, implied, statutory, or otherwise. To the fullest extent permitted by law, the Company disclaims all warranties, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. The Company does not warrant that the Service will be uninterrupted, secure, or error-free, or that any Content, output, or data is accurate, complete, reliable, current, or suitable for any purpose.

14. Limitation of Liability

To the maximum extent permitted by law, in no event will the Company or its affiliates, officers, employees, or licensors be liable for any indirect, incidental, special, exemplary, punitive, or consequential damages, or for any lost profits, lost data, or trading or investment losses, arising out of or relating to the Service, whether in contract, tort, or otherwise, even if advised of the possibility of such damages.

To the maximum extent permitted by law, the Company’s total aggregate liability arising out of or relating to these Terms or the Service will not exceed the greater of (a) the total amounts you paid to the Company in the twelve (12) months preceding the event giving rise to the liability, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you. Nothing in these Terms limits liability for fraud, gross negligence, or willful misconduct, or any liability that cannot be excluded under applicable law.

15. Indemnification

You agree to indemnify and hold harmless the Company and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your Input, your use of the Service, your violation of these Terms, or your violation of any law or third-party right.

16. Dispute Resolution; Binding Arbitration; Class-Action Waiver

Please read this section carefully — it affects your legal rights and requires most disputes to be resolved by individual arbitration rather than in court, and waives your right to a jury trial and to participate in a class action.

16.1 Informal resolution

Before initiating arbitration, you and the Company agree to attempt to resolve the dispute informally for at least sixty (60) days after written notice describing the dispute is sent to legal@rivonai.com (for notice to you, to the email associated with your account).

16.2 Binding arbitration

You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved informally will be resolved by final and binding individual arbitration administered by JAMS under its applicable rules, rather than in court, except that either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court for infringement or misuse of intellectual property. The Federal Arbitration Act governs the interpretation and enforcement of this provision.

16.3 Class-action waiver

You and the Company agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person’s claims or preside over any form of class proceeding. If this class-action waiver is found unenforceable, the entire arbitration agreement in this Section 16 will be null and void.

16.4 Exceptions and opt-out

This Section 16 does not apply to disputes that, under the federal Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act, may not be subject to mandatory arbitration. You may opt out of this arbitration agreement by sending written notice to legal@rivonai.com within thirty (30) days of first accepting these Terms; opting out will not affect any other part of these Terms.

17. Governing Law and Venue

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles, except that the Federal Arbitration Act governs Section 16. Subject to Section 16, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in New Castle County, Delaware for any dispute not subject to arbitration, and waive any objection to that forum.

18. Changes to the Service and these Terms

We may modify, suspend, or discontinue the Service, in whole or in part, at any time. We may also update these Terms from time to time. If we make material changes, we will update the “Last updated” date and provide notice as required by law (for example, by email or an in-product notice). Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

19. Suspension and Termination

You may stop using the Service at any time. We may suspend or terminate your access, with or without notice, if we believe you have violated these Terms, to comply with law, or to protect the Service or other users. Upon termination, your license to use the Service ends, and any unused credits are forfeited except where prohibited by law. Sections that by their nature should survive termination (including Sections 2–4 and 10–20) will survive.

20. Miscellaneous

These Terms, together with the Privacy Policy and any order or checkout terms, are the entire agreement between you and the Company regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We will not be liable for any delay or failure due to events beyond our reasonable control. You consent to receive communications from us electronically. Section headings are for convenience only.

21. Contact

siameur, Inc.
c/o Legalinc Corporate Services Inc.
131 Continental Dr, Suite 305
Newark, DE 19713, USA
legal@rivonai.com