Terms of Service

Last Updated: April 3, 2026

1. Acceptance of Terms

By accessing and using Trade-AI's website, dashboard, and services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use our services.

IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

2. Service Description

Trade-AI provides an AI-powered software tool that includes:

• AI Trading Agent: An autonomous AI agent that researches markets, performs analysis, and can execute trades on your connected brokerage account
• Portfolio Dashboard: Real-time portfolio tracking, trade history, and performance metrics
• Market Research: AI-generated market analysis, fundamental valuations, and trading signals
• Risk Modeling: Monte Carlo simulations, position sizing, and risk parameter management
• Paper Trading: Simulated trading environment using virtual funds via your brokerage's paper trading feature

Trade AI is a software tool, not a financial service. We provide AI-powered automation software that connects to your own brokerage account via API keys that you provide. We do not hold, manage, or have custody of your funds. Your brokerage account is held directly by your brokerage provider and governed by their terms.

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.

2A. Brokerage Account Authorization

By connecting your brokerage account to Trade AI, you:

• Acknowledge that you are providing Trade AI with API access to your brokerage account
• Grant the AI agent authorization to view account data and submit trade orders on your behalf
• Understand that the AI agent operates autonomously and may execute trades without prior approval for each individual trade
• Accept full responsibility for all trades executed by the AI agent in your account
• May revoke access at any time by removing your API keys from Settings or revoking them at your brokerage

2B. Assumption of Risk

• Trading securities and cryptocurrencies involves substantial risk of loss, up to and including total loss of capital
• The AI agent may make trading decisions that result in significant financial losses
• Algorithmic and AI-driven trading carries unique risks including but not limited to: software bugs, model errors, unexpected market conditions, API failures, and connectivity issues
• Paper trading results do NOT reflect real market conditions including slippage, partial fills, liquidity constraints, and market impact
• You are using this service at your own risk and you have the financial ability and willingness to accept these risks
• You will not hold Soul AI LLC responsible for any trading losses or adverse outcomes

3. NOT FINANCIAL ADVICE

4. Risk Disclosure

• Market Risk: Stock markets are volatile. You can lose some or all of your invested capital.
• AI Risk: AI trading systems can and do make errors. Algorithms may misinterpret data, execute unintended trades, or fail to respond to market conditions.
• Past Performance: Past performance does NOT guarantee or indicate future results. Historical returns shown on the platform are not predictive.
• Technology Risk: System outages, data delays, network failures, and software bugs can result in missed trades or erroneous executions.
• Paper vs. Live Trading: Paper trading results do not reflect real market conditions including slippage, partial fills, and liquidity constraints.
• Data Accuracy: Market data and AI analysis may be delayed, incomplete, or inaccurate.

5. User Conduct

When using our services, you agree not to:

• Violate any applicable laws or regulations
• Attempt to gain unauthorized access to our systems or other users' accounts
• Engage in any activity that disrupts or interferes with our services
• Attempt to reverse engineer, modify, or circumvent our AI systems
• Exceed usage limits or attempt to abuse the service
• Share your account credentials or allow unauthorized access to your account
• Use the platform to manipulate markets or engage in fraudulent trading activity

6. User Registration and Accounts

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account. You represent and warrant that all registration information will be true, accurate, current, and complete, and that you are not under the age of 18.

7. AI-Generated Content Disclaimer

You acknowledge and agree that:

• AI trade signals may be inaccurate, incomplete, or misleading
• AI-generated analysis should not be relied upon as the sole basis for trading decisions
• Automated trades execute based on AI interpretation and may produce unexpected or adverse results
• You are responsible for all actions and financial consequences resulting from AI-generated signals

8. Intellectual Property

All content on the Trade-AI website and dashboard, including but not limited to text, graphics, logos, images, algorithms, and software, is the property of Soul AI LLC or its content suppliers and is protected by international copyright laws.

User Content: You retain ownership of your account preferences and configurations. By using our services, you grant us a limited license to process your data as necessary to provide our services.

9. Privacy Policy

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy.

10. Limitation of Liability

• Trading losses or missed trading opportunities
• Financial losses resulting from AI errors, inaccurate signals, or system failures
• Losses caused by market volatility, flash crashes, or unexpected market events
• Losses due to delayed, incomplete, or inaccurate market data
• Loss of profits, data, use, goodwill, or other intangible losses
• Actions taken based on AI suggestions or automated trade outputs
• Third-party service failures (Alpaca, Firebase, AI providers)

MAXIMUM LIABILITY: SOUL AI LLC'S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING.

11. Indemnification

You agree to defend, indemnify, and hold harmless Soul AI LLC, its owners, members, managers, officers, employees, contractors, and agents from and against any and all losses, damages, liabilities, claims, demands, costs, and expenses (including attorneys' fees) arising out of or related to:

• Your use of the Services or any trading activity conducted through the Services
• Your breach of these Terms of Service
• Any trading decisions made based on AI-generated content, analysis, or automated trades
• Your connection of a brokerage account and any resulting financial outcomes
• Any claims by third parties related to your trading activity

12. Third-Party Services

Trade-AI integrates with third-party services including:

• Brokerage Provider (e.g. Alpaca): Brokerage and trading execution. Your trading account is held directly by your brokerage provider and governed by their terms and agreements. Soul AI LLC is not affiliated with any brokerage and does not hold or manage your funds.
• Firebase: Authentication and user management, governed by Google's privacy policies.
• AI Providers: Third-party AI services for market analysis and signal generation.

We are not responsible for changes, limitations, or discontinuation of third-party services.

13. Service Availability

We strive to provide reliable service but cannot guarantee uninterrupted availability, consistent AI response quality, real-time data accuracy, or compatibility with all devices and browsers.

14. Disclaimer of Warranties

15. Binding Arbitration and Class Action Waiver

Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in California, USA, and the arbitrator's decision shall be final and binding.

Class Action Waiver: YOU AGREE THAT ANY DISPUTES WILL BE RESOLVED ON AN INDIVIDUAL BASIS ONLY. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS-WIDE ARBITRATION, OR ANY OTHER REPRESENTATIVE PROCEEDING.

Exceptions: Either party may bring claims in small claims court if eligible. Nothing in this section prevents either party from seeking injunctive or equitable relief in court for intellectual property infringement or unauthorized access.

16. Governing Law

These Terms shall be governed by the laws of the State of California, without regard to conflict of law principles.

17. Changes to Terms

We reserve the right to modify these terms from time to time. We will update the "Last Updated" date. It is your responsibility to review these terms periodically.

18. Termination

We reserve the right to deny access to the Services to any person for any reason. Upon termination, your right to use the Services will cease immediately, and we may delete your account and all associated data.

19. Company and Limitation of Personal Liability

Trade-AI is offered by Soul AI LLC. To the maximum extent permitted by law, you agree that any claims arising out of or relating to the Services will be brought against Soul AI LLC, and not against any of its owners, members, managers, officers, employees, contractors, or agents in their individual capacities.

20. Contact Information