Agreement to Terms and Binding Nature

These Terms of Service ("Terms," "Agreement") constitute a legally binding contract between you ("User," "you," or "your") and TruiAI, Inc. ("TruiAI," "Company," "we," "our," or "us") regarding your access to and use of our AI-powered portfolio analysis platform, website, mobile applications, and all related services, tools, and features (collectively, the "Services").

Advanced AI technology powering our financial analysis platform

By accessing, browsing, or using our Services in any manner, including but not limited to creating an account, uploading data, or utilizing any features, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. If you do not agree with any provision of these Terms, you must immediately discontinue use of our Services.

These Terms apply to all users of our Services, including but not limited to individual investors, business leaders, institutional clients, trial users, and website visitors. Additional terms may apply to specific features or services, which will be presented to you at the time of use.

Comprehensive Service Description

TruiAI provides sophisticated AI-powered portfolio analysis and risk management tools designed to assist business leaders, private individuals, and institutional clients in understanding and optimizing their investment portfolios. Our Services encompass a comprehensive suite of analytical tools and features:

Core Analytical Services

• Advanced portfolio risk assessment and comprehensive risk scoring methodologies
• Multi-scenario modeling and stress testing across various market conditions
• Sophisticated diversification analysis and correlation matrix generation
• Real-time market data integration and portfolio performance monitoring
• Asset allocation optimization recommendations and rebalancing suggestions
• Liquidity analysis and cash flow forecasting capabilities
• Sector and geographic exposure analysis with concentration risk identification
• Historical performance attribution and factor analysis
• Volatility modeling and Value-at-Risk (VaR) calculations
• ESG (Environmental, Social, Governance) scoring and impact analysis

Comprehensive analytics tools for portfolio optimization

Reporting and Visualization Tools

• Customizable executive dashboards and real-time portfolio monitoring
• Comprehensive written reports with executive summaries and detailed analysis
• Interactive charts, graphs, and data visualization tools
• Automated alert systems for risk threshold breaches and market events
• Comparative benchmarking against market indices and peer groups
• Historical trend analysis and performance attribution reporting
• Regulatory compliance reporting and audit trail maintenance

Educational and Support Services

• Educational content library covering investment principles and risk management
• Market commentary and economic analysis from our research team
• Webinars, tutorials, and training materials for platform optimization
• Customer support services including technical assistance and consultation
• API access and integration support for institutional clients

Critical Financial Disclaimer - Not Financial Advice

IMPORTANT LEGAL NOTICE: All information, analysis, insights, recommendations, and content provided through our Services are strictly for informational, educational, and analytical purposes only. Nothing provided by TruiAI constitutes financial advice, investment advice, trading recommendations, or any form of professional financial guidance.

Strict compliance with financial regulations and advisory boundaries

Regulatory Status and Limitations

• TruiAI is not a registered investment advisor, broker-dealer, financial planner, or fiduciary
• We are not licensed to provide personalized investment advice or recommendations
• Our Services do not constitute investment research or professional financial analysis
• We do not offer tax, legal, or accounting advice
• Our platform does not execute trades or manage investments on your behalf
• We do not guarantee investment performance or outcomes

User Responsibility and Professional Consultation

• You are solely responsible for all investment decisions and their consequences
• You should consult with qualified financial professionals before making investment decisions
• Our analysis should be considered as one factor among many in your decision-making process
• Past performance data does not guarantee or predict future investment results
• All investments carry inherent risks, including the potential loss of principal
• Market conditions can change rapidly and unpredictably
• You should consider your individual financial situation, risk tolerance, and investment objectives

Limitation of Analytical Scope

• Our analysis is based on historical data and mathematical models that may not predict future outcomes
• Market anomalies, black swan events, and unprecedented conditions may not be captured in our models
• Data accuracy depends on the quality and completeness of information provided by users and third-party sources
• Our AI models are continuously evolving and may produce different results over time

User Responsibilities and Obligations

By using our Services, you agree to comply with all applicable laws, regulations, and these Terms. Your responsibilities include:

Account Management and Security

• Providing accurate, complete, and truthful information during registration and ongoing use
• Maintaining the confidentiality and security of your account credentials and login information
• Implementing strong passwords and enabling multi-factor authentication when available
• Promptly notifying us of any unauthorized access, security breaches, or suspicious activity
• Taking responsibility for all activities that occur under your account
• Regularly updating your account information to ensure accuracy and completeness
• Complying with any additional security measures we may implement

Advanced security measures protecting user accounts and data

Lawful and Appropriate Use

• Using the Services only for lawful purposes and in accordance with these Terms
• Complying with all applicable local, state, national, and international laws and regulations
• Respecting the intellectual property rights of TruiAI and third parties
• Not attempting to circumvent, disable, or interfere with security features of the Services
• Not using the Services to transmit harmful, offensive, or illegal content
• Not engaging in any activity that could damage, disable, or impair the Services
• Not attempting to gain unauthorized access to other users' accounts or data

Data Accuracy and Compliance

• Ensuring the accuracy and completeness of all financial data and information provided
• Regularly reviewing and updating your portfolio information to maintain accuracy
• Complying with any regulatory requirements applicable to your use of the Services
• Maintaining appropriate records and documentation as required by law
• Not providing false, misleading, or fraudulent information

Prohibited Activities

• Reverse engineering, decompiling, or attempting to extract source code from our Services
• Creating derivative works or competing services based on our platform
• Scraping, mining, or harvesting data from our Services without authorization
• Using automated systems or bots to access or interact with our Services
• Sharing your account credentials with unauthorized third parties
• Attempting to overwhelm our systems with excessive requests or traffic

Intellectual Property Rights and Ownership

TruiAI Intellectual Property

• All Services, software, algorithms, and content are owned by TruiAI and protected by intellectual property laws
• Our trademarks, service marks, and logos are proprietary to TruiAI
• The underlying AI models, analytical methodologies, and proprietary algorithms are trade secrets
• All improvements, enhancements, and derivative works remain our property
• User interfaces, designs, and user experience elements are protected by copyright
• Database rights and compilation copyrights apply to our data aggregations

Protecting innovative technology and intellectual property

User Content and Data

• You retain ownership of your financial data and personal information
• You grant us a limited license to use your data solely for providing Services
• We may use aggregated, anonymized data for research and service improvement
• You represent that you have the right to provide all data uploaded to our Services
• You are responsible for ensuring your data does not infringe third-party rights

Restrictions on Use

• You may not copy, modify, distribute, or create derivative works from our Services
• Reverse engineering, decompiling, or disassembling our software is prohibited
• You may not use our trademarks or branding without written permission
• Commercial use of our Services outside the scope of your subscription is prohibited
• You may not remove or alter any proprietary notices or labels

Limitations of Liability and Legal Disclaimers

Service Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

• We do not warrant that the Services will be uninterrupted, error-free, or completely secure
• We do not guarantee the accuracy, completeness, or timeliness of any data or analysis
• Market data and third-party information may contain errors or delays
• Our AI models and algorithms are subject to limitations and potential inaccuracies
• System availability may be affected by maintenance, updates, or technical issues

Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TRUIAI, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Investment losses or poor investment performance
• Business interruption or operational delays
• Reputational harm or damage
• Cost of substitute services or products
• Any other indirect or consequential damages

Aggregate Liability Cap

Our total aggregate liability to you for all claims arising from or relating to the Services, regardless of the form of action, shall not exceed the greater of: (a) the total amount paid by you to TruiAI in the twelve (12) months preceding the claim, or (b) one hundred dollars ($100).

Investment Risk Acknowledgment

• All investments carry inherent risks, including the potential for total loss of capital
• Past performance does not guarantee future results
• Market conditions can change rapidly and unpredictably
• Our analysis cannot predict or prevent investment losses
• You acknowledge full responsibility for your investment decisions and outcomes

Contact Information and Legal Notices

For questions about these Terms of Service, legal notices, or other legal matters, please contact us:

All legal notices, including service of process, must be sent to our registered address above. We will respond to legal inquiries within a reasonable time frame and may require additional documentation or verification for certain requests.