Terms of Service

1. Who these terms apply to

These Terms of Service ("Terms") govern your use of the IB Copilot website ("Service") operated by IB Copilot ("we", "us"). By registering for an account, subscribing to a paid plan, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. Accounts

You must be at least 18 years old to use the Service. You are responsible for:

• Providing accurate, current information when you register
• Keeping your password and 2FA credentials confidential
• All activity that occurs under your account
• Immediately notifying us of unauthorized access to your account

Shared accounts are not permitted. Each user needs their own login. Workspace membership is the correct way to share access to deals.

Access to the Service is currently by approval only. We reserve the right to deny or revoke access at any time without obligation to provide a reason.

3. Not financial advice — Important disclaimer

IB Copilot is not a registered investment advisor under the Investment Advisers Act of 1940 or any other applicable law. The Service is not registered with, nor endorsed or approved by, the U.S. Securities and Exchange Commission (SEC), the Commodity Futures Trading Commission (CFTC), FINRA, or any other financial regulatory authority.

All content, analysis, models, memos, valuations, scores, and other outputs generated by the Service ("Outputs") are provided for informational and educational purposes only. Outputs do not constitute:

• Investment advice or recommendations
• Financial, legal, tax, or accounting advice
• An offer or solicitation to buy or sell any security, commodity, or financial instrument
• A recommendation regarding any specific investment strategy

You must not make any investment decision based solely or primarily on any Output. Before making any investment decision, you should consult a qualified and licensed financial advisor, attorney, or other professional who can evaluate your specific situation and objectives.

Past performance referenced in any Output does not guarantee or predict future results. All investments involve risk, including the possible loss of principal. The Service does not take into account your personal financial situation, investment objectives, risk tolerance, or time horizon.

Outputs may reference or discuss publicly traded securities, private transactions, or financial instruments. Nothing in the Service constitutes a recommendation to buy, hold, or sell any such security or instrument.

4. Beta software and accuracy

The Service is currently provided as beta software for testing purposes only. By using the Service, you acknowledge and agree that:

• Outputs may contain errors, omissions, hallucinations, or inaccuracies
• Outputs are generated by AI systems and have not been independently verified
• Underlying data sources may be incomplete, outdated, or incorrect
• The Service may be unavailable, slow, or produce degraded results at any time
• Features may change or be removed without notice during the beta period

You are solely responsible for independently verifying any Output before relying on it for any purpose, professional or otherwise.

5. Acceptable use

You agree not to:

• Violate any applicable law, regulation, or third-party right
• Use the Service in connection with any fraudulent, illegal, or manipulative securities activity
• Upload material non-public information (MNPI) or other insider information
• Upload malware, viruses, or any code designed to disrupt the Service
• Attempt to gain unauthorized access to other accounts, workspaces, or our infrastructure
• Reverse-engineer, scrape, or otherwise extract data from the Service outside of documented APIs
• Use the Service to spam, harass, or defraud any person
• Resell or sublicense the Service without written agreement
• Upload content you don't have the right to use, including content subject to confidentiality agreements that do not permit AI-assisted processing

Security researchers acting in good faith under our disclosure policy are exempt from the unauthorized-access clause.

6. Your content

You retain ownership of all data you upload or generate through the Service ("Your Content"). By using the Service, you grant us a limited, non-exclusive license to process Your Content solely to provide and improve the Service for you. We do not claim any intellectual property rights over Your Content. We do not use Your Content to train AI models.

You are responsible for ensuring that you have the right to upload and process any content, including obtaining any consents required under privacy, securities, or professional-responsibility laws applicable to you.

7. Plans and billing

Some features of the Service require a paid subscription. Prices are displayed on our pricing page. All payments are processed by Stripe; you agree to their Services Agreement when you provide payment information.

Subscriptions renew automatically. You may cancel at any time; cancellation takes effect at the end of the current billing period. We do not provide prorated refunds for partial months except where required by law.

We may change pricing with at least 30 days' notice. Changes apply to renewals after the notice period.

8. Availability and changes

We aim for high availability but do not guarantee uninterrupted service. Planned maintenance will be announced when possible. We may modify or discontinue features with reasonable notice; if we discontinue the Service entirely, we will provide at least 60 days' notice and enable data export.

9. Termination

You may close your account at any time from /settings/privacy. We may suspend or terminate accounts that violate these Terms or that are inactive for extended periods (we'll email first). Upon termination, the license granted in Section 6 ends and we will delete Your Content according to our Privacy Policy.

10. Disclaimers

The service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or availability. We make no warranty that outputs will be accurate, complete, reliable, or suitable for any particular purpose. Use of the service and reliance on any output is at your sole risk.

11. Limitation of liability

To the maximum extent permitted by law, our total liability arising out of or in connection with the service is limited to the amount you paid us in the 12 months preceding the event giving rise to the claim, or USD $100, whichever is greater. We are not liable for indirect, incidental, special, consequential, or punitive damages, including but not limited to any investment losses, trading losses, or financial damages arising from reliance on any output.

12. Indemnification

You agree to indemnify and hold us harmless from any claim, liability, or expense arising out of (a) Your Content, (b) your breach of these Terms, (c) your violation of any law or third-party right, or (d) any investment or financial decision you make based on any Output from the Service.

13. Governing law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles. Any dispute will be resolved in the state or federal courts located in Delaware, unless binding arbitration is required by applicable law.

14. Changes to these terms

We may update these Terms. Material changes will be announced by email to registered users at least 30 days in advance. Your continued use of the Service after the change takes effect constitutes acceptance of the new Terms.

15. Contact

All inquiries (legal, terms, general support): support@ibcopilot.ai
Security issues: security@ibcopilot.ai