Terms of Use

1. Nature of the Services

Focus Alpha provides an AI-powered research and monitoring platform designed to assist users in organizing, analyzing, and tracking financial information.

The Services may include:

• Automated data ingestion and processing
• AI-generated summaries and signals
• Continuous monitoring tools
• Portfolio tracking functionality
• Analyst collaboration tools
• Research workflow management systems

The Services are informational tools only.

2. No Investment Advice; No Advisory Relationship

The Company is not registered as:

• An investment adviser under the U.S. Investment Advisers Act of 1940
• A broker-dealer
• A fiduciary
• A financial planner

Nothing within the Services constitutes:

• Investment advice
• Financial advice
• Legal advice
• Tax advice
• A recommendation to buy, sell, or hold any security

No fiduciary, advisory, agency, or client relationship is created by use of the Services.

All outputs are provided for informational and research purposes only.

You are solely responsible for all investment decisions.

3. No Reliance; Independent Judgment Required

You acknowledge and agree that:

• AI-generated outputs may contain errors, omissions, or inaccuracies
• The Services are tools to assist research
• You must exercise independent professional judgment
• You may not rely solely on any output generated by the Services

You assume full responsibility for any reliance placed on the Services.

4. AI and Algorithmic Risk Disclosure

The Services utilize artificial intelligence, machine learning models, and automated systems.

Such systems:

• Operate probabilistically
• May generate incomplete or inaccurate outputs
• May reflect bias or training limitations
• May misinterpret financial language
• May fail to detect relevant risks
• May produce outdated or contextually incorrect analysis

The Company makes no representation or warranty regarding:

• Model accuracy
• Robustness
• Reliability
• Suitability for investment decision-making

All AI-generated content must be independently verified.

5. Market and Trading Risk

Financial markets involve significant risk, including:

• Volatility
• Liquidity risk
• Market structure risk
• Rapid price movements
• Regulatory changes

The Company shall not be liable for:

• Trading losses
• Portfolio losses
• Missed investment opportunities
• Margin calls
• Regulatory actions
• Financial damages of any kind

6. Data Usage and User Responsibility

6.1 User-Provided Data

You may upload documents, research, proprietary materials, financial models, or other content ("User Data").

You represent and warrant that:

• You have full legal rights to upload such data
• Uploading such data does not violate confidentiality agreements
• Uploading such data does not violate employment contracts
• Uploading such data does not violate licensing agreements
• No unlawful material non-public information is uploaded

The Company does not verify ownership or usage rights of User Data.

You are solely responsible for compliance with all applicable laws and contractual obligations.

The Company assumes no responsibility for unauthorized use of User Data.

6.2 Third-Party Data and Licensing

The Services may incorporate or reference third-party data providers.

The Company:

• Does not guarantee accuracy or completeness of third-party data
• Does not grant users any ownership rights in third-party intellectual property
• Does not assume responsibility for compliance with third-party licensing restrictions

Users are responsible for ensuring lawful use of all data accessed through the platform.

7. Confidentiality and Security

While reasonable security measures may be implemented, the Company:

• Is not a regulated data custodian
• Does not guarantee regulatory-grade storage compliance
• Does not warrant against unauthorized access

Users are responsible for evaluating whether the Services are suitable for storing proprietary or confidential materials.

8. System Availability and Service Interruptions

The Services may experience:

• Scheduled maintenance
• Unscheduled downtime
• API failures
• Data feed latency
• Infrastructure outages

The Company does not guarantee uninterrupted, real-time, or error-free service.

The Company shall not be liable for losses arising from system interruptions.

9. Forward-Looking Statements Disclaimer

Any projections, forecasts, scenario analysis, or forward-looking commentary generated by the Services are speculative and inherently uncertain.

Actual results may differ materially.

10. Suitability

The Services are intended for sophisticated users capable of independent financial evaluation.

The Company does not assess:

• Financial sophistication
• Risk tolerance
• Regulatory obligations
• Suitability for any specific user

11. Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for:

• Direct, indirect, incidental, consequential, special, or punitive damages
• Trading losses
• Portfolio losses
• Loss of profits
• Loss of data
• Business interruption
• Opportunity cost

Even if advised of the possibility of such damages.

In no event shall total liability exceed the fees paid by you to the Company in the preceding 12 months.

12. Indemnification

You agree to indemnify and hold harmless the Company from claims arising out of:

• Your use of the Services
• Your investment decisions
• Your uploaded data
• Your violation of applicable laws
• Third-party claims related to User Data

13. Intellectual Property

All proprietary systems, AI architectures, software, and workflow designs (excluding User Data) are the property of the Company.

Users may not:

• Reverse engineer
• Redistribute
• Resell
• Copy proprietary systems

14. Arbitration and Class Action Waiver

All disputes shall be resolved through binding arbitration.

You waive the right to participate in class actions or jury trials.

15. Termination

The Company may suspend or terminate access at its discretion, including for:

• Violation of these Terms
• Regulatory concerns
• Misuse of the Services

16. Governing Law

These Terms shall be governed by the laws of the State of Delaware, United States.

17. Entire Agreement

These Terms constitute the entire agreement between you and the Company regarding use of the Services.