Terms and Conditions

1. Introduction

These Terms and Conditions (the "Terms") describe your rights and responsibilities regarding the Acubic platform and algorithmic portfolio builder (the "Platform"), operated by Acubic, Inc. ("we", "our", "us"), a Delaware corporation registered with the Delaware Division of Corporations under file number 10686560, with registered office at 16192 Coastal Highway, Lewes, DE 19958, United States.

By accessing or using the Platform, you agree to these Terms and acknowledge our Privacy Policy, Cookie Policy, and Refund Policy.

2. Important Financial Disclaimers

Not Financial Advice: The Platform is a software tool intended for informational, educational, and computational purposes only. It is not, and should not be considered, comprehensive financial advice, investment advice, care, or portfolio management.

You understand and agree that Acubic provides algorithmic modeling and data, and is not a registered investment advisor, broker/dealer, or fiduciary. We disclaim all liability for any trading losses or financial decisions made based on our Platform's outputs. Always seek the advice of a qualified financial advisor regarding your personal financial situation.

General information only: information on the Platform is general in nature and is not tailored to your personal circumstances, objectives, or financial situation. It is not personalised advice.

AI and model output: portfolios, rankings, explanations, and answers produced by the Platform, including by its AI assistant, are generated automatically and may be inaccurate, incomplete, or out of date. Please review them before relying on them.

Investment risk: investing involves risk, including the possible loss of the capital you invest. Backtests and other simulated results are hypothetical, and past performance, whether real or simulated, is historical. Neither guarantees future results.

3. Broker Connections and Automation

Acubic is not your broker. Your investments are held in your own account with your broker, under your broker's terms, and Acubic never holds your money or assets.

When you connect a broker and turn on automation for a portfolio, you authorise Acubic to send orders to that broker account for the portfolio, according to the mode you choose: with your approval for each rebalance (one-click approval), or automatically on your schedule (automatic mode). You can switch modes or turn automation off from the Platform.

Orders may be rejected, partially filled, delayed, or executed at a different price than shown on the Platform, for example because of market conditions, trading hours, or your broker's rules. Broker outages and changes to a broker's API can also interrupt or change how the Platform works with your account.

Your broker's own terms and fees apply to every order, including spreads, currency conversion, and any other charges your broker sets. You are responsible for keeping your broker credentials and your broker account secure, and for checking your broker account.

4. User Accounts

To use the Services, you must be 18 years of age or older. You are responsible for maintaining the confidentiality of your account credentials. You must not transfer or share your password with anyone else, and you are responsible for any activities that occur under your account.

5. Acceptable Use

You may not misuse the Platform, attempt unauthorized access, bypass quotas or security controls, scrape or resell outputs, upload unlawful content, interfere with service operation, or use the Platform for regulated financial advice to others without appropriate authorization.

6. Intellectual Property and User Data

Acubic, Inc. is the sole and exclusive owner of all right, title, and interest in and to the Platform and its content, features, and algorithms. No right, title, or interest is transferred to you, and we reserve all rights not expressly granted.

Third-party names and logos shown on the Platform, including those of brokers such as eToro and Trading 212, are the trademarks of their respective owners and are used only to identify the services the Platform interoperates with. Acubic is listed in the eToro App Store and connects to eToro through eToro's public API under eToro's developer terms. Acubic, Inc. is an independent company: it is not owned by or part of any broker, it has no commercial or reseller agreement with any broker, and no broker endorses or takes responsibility for the Platform's outputs.

You retain rights in portfolio inputs and other information you provide, subject to the license needed for us to operate, secure, support, and improve the Platform as described in our Privacy Policy. You agree not to reverse-engineer, copy, scrape, or otherwise use the Platform's algorithms or data for your own commercial products without express written permission.

7. Payments, Subscriptions, Cancellation, and Refunds

Paid plans are billed through Stripe. The price, billing period, renewal terms, any trial length, and applicable taxes are shown at checkout before you confirm, and those displayed terms govern your subscription.

Subscriptions renew automatically at the end of each billing period until cancelled. You can cancel at any time from the billing section of your account; cancellation takes effect at the end of the period you have already paid for, and access continues until then. Outside the statutory withdrawal right below, we do not prorate refunds for partial periods except where required by applicable law. Our Refund Policy explains how cancellations, trials, and refunds work.

Right of withdrawal (EU, EEA, and UK consumers): if you are a consumer resident in the European Union, the European Economic Area, or the United Kingdom, you have 14 days from the day your subscription starts to withdraw from it, for any reason and without giving one. Tell us within that period at support@acubic.ai. Because the Platform is supplied as a service that begins immediately at your request, you owe the proportionate amount for the part of the period already provided, and we refund the balance to the payment method charged. Nothing in these Terms limits any mandatory consumer protection that applies to you.

8. Disclaimer of Warranties & Limitation of Liability

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

TO THE FULLEST EXTENT PERMITTED BY LAW, ACUBIC, INC. WILL NOT BE LIABLE FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THE PLATFORM.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS IS LIMITED TO THE FEES YOU PAID ACUBIC IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for fraud, or for death or personal injury caused by negligence, or any rights you have as a consumer under the mandatory law of your country of residence.

9. Termination and Service Changes

We may suspend or terminate access for misuse, security risk, non-payment, or violation of these Terms. We may modify or discontinue features, subject to applicable law and any commitments made in paid-plan disclosures.

10. Changes to These Terms

We may update these Terms from time to time. If we make a material change, we will tell you by email or in the app at least 14 days before it applies, so you have time to review it. If you do not agree with a change, you can stop using the Platform and cancel your subscription before it takes effect. The "Updated" date at the top of this page shows when these Terms last changed.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules. The state and federal courts located in Delaware have exclusive jurisdiction over any dispute arising out of these Terms or your use of the Platform.

Nothing in this section removes any protection you have under the mandatory consumer law of your country of residence. If you are a consumer resident in the European Union or the United Kingdom, you keep the right to bring proceedings in the courts of your own country and to rely on the consumer protections available to you there.

12. Contact Information

If you have any questions or concerns, please contact us at support@acubic.ai.