Terms & Conditions

Terms & Conditions (v3)

1) Acceptance of Terms

By accessing the Site or using the App, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site/App.

2) Who We Are (Not a Broker/Dealer; Not Your Advisor)

We build software to help retail investors learn, plan, and, at the user’s direction, transmit trade instructions to their own brokerage accounts. We are not a broker-dealer or investment adviser and do not provide personalized investment, legal, tax, or accounting advice. Content and outputs are general, educational/informational tools. Past performance does not guarantee future results. Investor.gov+1

3) Eligibility and Geographic Scope

You must be 18 or older and able to form a binding contract. We focus on the U.S. and North America; global users connected to a U.S. brokerage may participate where permitted by law. Availability may vary by jurisdiction.

4) Site Use (Corporate Website)

• Informational only. Company background, values, Careers (via LinkedIn), and Investors info.

• Forms. Contact and Investor Inquiry flows route messages to us; do not include sensitive PII or brokerage credentials.

• No Site account. Account creation occurs within the App.

5) The App (Overview; Phased Rollout)

The App may surface AI-generated trade ideas. You may choose to watch, paper trade, or—once enabled—authorize the App to transmit your instructions to your broker. You always retain the right to start, stop, or pause any automation at any time. Investor.gov

6) Brokerage Connections & Trading Authorization (App Feature)

When enabled, you may connect a supported broker or connection provider:

1. Your Authorization. You expressly authorize our service providers and us to access account data and/or transmit your trade instructions to your broker as configured by you in-app. You may revoke access at any time.

2. Your Broker, Your Account. All executions, approvals (e.g., options levels), funds/margin, and statements are provided by your broker and governed by your broker’s agreements.

3. Revocation. Disconnecting stops future transmissions, but will not cancel instructions already sent to your broker.

4. Third-Party Connectors. Where used (e.g., aggregator/connector services), their terms also apply and may include liability caps, usage limits, and data-handling rules.

5. Availability. Read-only vs. trading access and features vary by broker and third-party systems.

7) User Responsibilities

You are solely responsible for: (a) deciding whether to act on any idea/automation, (b) setting and reviewing all preferences, limits, and risk controls, (c) ensuring broker approvals (e.g., options) and sufficient funds/margin, (d) monitoring positions, and (e) all tax obligations. We do not provide tax advice.

8) No Advisory, No Fiduciary Duty

We do not act as a fiduciary. Any models, scores, backtests, or AI outputs may be wrong, delayed, or incomplete and should not be the sole basis for investment decisions. Investor.gov

9) Market Data, Hypotheticals & Backtests

Market data can be delayed or inaccurate. Backtested/hypothetical performance has significant limitations and does not reflect actual trading conditions (slippage, fees, borrowing, corporate actions, outages). It is for illustrative purposes only. Regulators have cautioned that backtests can mislead retail investors if not properly framed. FINRA+1

10) Risk Disclosure

All investing involves risk, including loss of principal. Automated tools can fail; networks/APIs may be unavailable; execution may be partial or at different prices; and configurations may behave unexpectedly. Treat automation as a tool—not a guarantee. Investor.gov

Assets/Products at Launch: Equities and equity options only (no crypto or futures).

11) Beta, Experimental & Educational Features

Pre-release/Beta features may be unstable, inaccurate, or changed/removed without notice. Use at your own risk and for educational purposes.

12) Prohibited Conduct

No scraping, reverse engineering, circumventing controls, abusing APIs, or unlawful/high-risk activities. Do not share credentials or use the Services to violate broker/market rules. (Industry rules also constrain advertising/communications with retail investors; be cautious with performance claims.) FINRA

13) Intellectual Property

We (and licensors) own the Site/App, code, models, content, and branding. You receive a limited, revocable, non-transferable license for personal, lawful use.

14) Third-Party Links & Services

The Services may link to or rely on third-party tools (e.g., broker connections). We do not control and are not responsible for them; their terms apply. (See representative connector terms.) Plaid+1

15) Privacy

See our Privacy Policy for how we collect/use data. On the Site, we collect Contact/Investor inquiry details and basic analytics. App data practices (including brokerage connections) will be described in the App’s privacy notice when live.

16) Disclaimers (No Warranties)

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. (Comparable approaches appear in leading connector/platform terms.) Plaid

17) Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

• We are not liable for market losses, lost profits, or indirect/consequential damages.

• Our total liability for any claim related to the Services will not exceed US$100 or the amount you paid us in the three (3) months before the event—whichever is greater. (Representative caps/structures in the ecosystem.) Plaid

Some jurisdictions do not permit certain exclusions/limits; rights are limited to the maximum permitted.

18) Indemnification

You agree to defend, indemnify, and hold us harmless from claims arising from your use of the Services, your breach of these Terms, or your interactions with brokers/third parties.

19) Changes; Suspension

We may modify these Terms and the Services at any time. We may suspend/terminate access for risk, compliance, or misuse.

20) Governing Law; Arbitration & Class-Action Waiver

Governing Law & Venue. These Terms are governed by the laws of the State of Ohio, USA, without regard to conflict-of-laws principles. Except as provided below, you consent to the exclusive jurisdiction and venue of courts located in Ohio for any dispute not subject to arbitration.

Binding Arbitration. You and InSiteVerse agree to resolve all disputes arising out of or relating to the Services or these Terms through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by this section. Judgment on the award may be entered in any court of competent jurisdiction. American Arbitration Association+2American Arbitration Association+2

Class-Action Waiver. YOU AND INSITEVERSE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR/ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims.

Small-Claims Carve-Out. Either party may bring an individual action in small-claims court for disputes within that court’s jurisdiction.

Arbitration Procedures.

• Seat/Location. If an in-person hearing is required, it will be held in Ohio unless both parties agree otherwise.

• Fees. AAA rules govern fees. If the arbitrator finds your claims non-frivolous, InSiteVerse will consider good-faith requests to pay or advance consumer filing fees consistent with AAA rules. American Arbitration Association

• Injunctive Relief. The arbitrator may award individual relief permitted by law; public injunctive relief is available where required.

• Opt-Out. You may opt out of arbitration within 30 days of first agreeing to these Terms by sending written notice to contact@insiteverse.com with subject “Arbitration Opt-Out”.

21) Securities & Solicitation (Corporate Site)

Nothing on the Site is an offer to sell or a solicitation to buy securities to the general public. Any fundraising is conducted in reliance on exemptions, such as Rule 506(c) of Regulation D, which are limited to accredited investors, and we may take reasonable steps to verify accredited status before sharing detailed materials or accepting subscriptions. SEC Rule 506(c)

22) Contact