The agreement behind the service.

By accessing and using TheAnalystAI ('the Service'), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ('Terms'). These Terms constitute a legally binding agreement between you and TheAnalystAI. If you do not agree with any part of these Terms, you must not access or use the Service. We may update these Terms from time to time, and your continued use of the Service after such changes constitutes acceptance of the updated Terms.

TheAnalystAI is an information service. It records reasoning you write about companies you follow, reads those companies' public filings from the SEC's EDGAR system, checks the reported figures against checkpoints you have confirmed, and tells you what changed and where the figure came from.

What the Service is not, stated plainly:

• It is not investment advice, and it does not make recommendations to buy, sell or hold anything
• We are not a registered investment adviser, a broker-dealer, or a financial planner, and no relationship of that kind is created by your use of the Service
• It does not manage money, place orders, or connect to a brokerage
• It does not predict prices or forecast performance
• It covers a published list of US-listed companies and reads SEC filings only. It does not cover news, transcripts, analyst estimates, prices or companies outside that list

Every investment decision you make is yours, and the risk of it is yours. Earlier strategy and research tools remain accessible in an archive for people who were already using them; they are no longer actively developed.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

• You must be at least 18 years old to create an account
• You must provide accurate, current, and complete information during registration
• You must notify us immediately of any unauthorized access to or use of your account
• You may not share your account credentials with third parties or allow others to access your account
• You may not create multiple accounts for the purpose of circumventing usage limits or restrictions
• You are solely responsible for any investment decisions you make based on information obtained through the Service

The Service is offered on two plans. Their prices and limits are published on the pricing page and are the same values the software enforces:

• Free: one monitored company, with the same evidence trail as the paid plan
• Monitor: $29 per month for up to 20 monitored companies, email briefings, and full history

Scheduled checks run for every monitored company. On top of those, you may request an immediate re-check a limited number of times per day; the current limit is published on the pricing page rather than left vague. We state limits instead of promising unlimited use, because a promise of unlimited use is either false or expensive to keep.

If you were a customer of the earlier product, your existing plan, credits and saved work are unchanged. We have not converted, cancelled or repriced anything without asking you.

Payments are processed by Paddle, who act as merchant of record. Your contract for payment is with Paddle, and they handle VAT, GST and sales tax where those apply. Receipts and invoices come from them.

• Subscriptions are billed monthly in US dollars and renew automatically until cancelled
• The amount, including any tax, is shown before you confirm
• You can cancel at any time from the billing portal in your settings. Cancelling keeps your access until the end of the period you have already paid for, and we do not ask you why
• If a payment fails, Paddle retries it. Your access continues while that is happening and we tell you in the workspace so you can update your card. If it ultimately fails, the account returns to the free plan and your theses and history are kept
• Refunds are handled case by case; contact us and we will not make it difficult
• Paid access is granted only from billing state we have verified with Paddle, never from a redirect or a link

You agree not to use the Service for any of the following purposes:

• Any activity that violates applicable laws or regulations, including securities laws
• Redistributing, reselling, or sublicensing AI-generated reports or data without authorization
• Attempting to reverse engineer, decompile, or extract the source code or AI models
• Automated scraping, crawling, or bulk downloading of content
• Circumventing rate limits, credit systems, or access controls
• Uploading malicious code, viruses, or harmful content
• Impersonating another person or entity
• Using the Service to manipulate markets or engage in insider trading
• Providing AI-generated reports to others as if they were your own original analysis without disclosure

TheAnalystAI and its licensors retain all rights, title, and interest in and to the Service, including all software, algorithms, AI models, designs, and content.

• You retain ownership of the data you input into the Service
• AI-generated reports are licensed to you for personal, non-commercial use under your subscription
• You may share reports for personal reference but may not commercially redistribute them
• The TheAnalystAI name, logo, and brand elements are our trademarks and may not be used without permission
• Feedback and suggestions you provide may be used by us to improve the Service without obligation to you

Read this part carefully, because it is the part that matters most.

• Nothing the Service produces is investment advice or a recommendation. It reports what company filings say against reasoning you wrote yourself
• Figures come from filings companies made to the SEC. Companies restate, amend and occasionally get things wrong, and where we can detect that we say so — but we cannot warrant that a filing is accurate
• Our matching of your words to an observable measure can be wrong. That is why you confirm every checkpoint, can edit it at any time, and can tell us a reading is wrong from any change card
• A quiet result means the filings we read did not move your checkpoints. It does not mean nothing happened at the company, and it does not mean your investment is sound
• We do not cover news, prices, transcripts, private information or companies outside the published list. Something important can happen entirely outside what we read
• The Service is provided as is. To the fullest extent permitted by law we exclude warranties of merchantability, fitness for a particular purpose and non-infringement, and we are not liable for investment losses
• Consider taking advice from a qualified professional who knows your circumstances. We are not that professional.

We take your privacy seriously and handle your data in accordance with our Privacy Policy. By using the Service, you agree to our data collection and usage practices as outlined in the Privacy Policy. Key points:

• Your research queries are processed by AI models but are not used to train them
• Your data is encrypted in transit and at rest
• We do not sell your personal information to third parties
• You may request deletion of your data at any time

Either party may terminate this agreement at any time:

• You may cancel your subscription and delete your account at any time through your account settings
• We reserve the right to suspend or terminate access to the Service immediately, without prior notice, if you breach these Terms
• Upon termination, your right to use the Service will immediately cease
• We will retain your data for 30 days after termination to allow you to export it, after which it will be permanently deleted
• Sections relating to intellectual property, disclaimers, limitation of liability, and governing law survive termination

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from or relating to these Terms or the Service shall be resolved through binding arbitration, except where prohibited by law. You agree to attempt to resolve any dispute informally by contacting us at contact@theanalystai.com before initiating formal proceedings.

If you have any questions about these Terms of Service, please contact us:

• Email: contact@theanalystai.com
• Website: theanalystai.com/contact