Terms of Service

1. Acceptance of Terms

By accessing or using XFoli AI (“the Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree with any part of these terms, you may not access the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

XFoli AI is a portfolio tracking application that provides:

• Real-time stock market data and portfolio valuation
• AI-powered analysis and insights
• Portfolio organization and tracking tools
• Educational content about investment performance

The Service is provided for informational and educational purposes only and does not constitute financial, investment, or trading advice.

3. User Accounts and Registration

To use certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Be responsible for all activities under your account
• Notify us immediately of any unauthorized use

4. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Violate any applicable laws or regulations
• Interfere with or disrupt the Service or servers
• Attempt to gain unauthorized access to any part of the Service
• Use automated systems to access the Service without permission
• Share your account credentials with others

5. Financial Information Disclaimer

6. Data and Privacy

Your privacy is important to us. Our collection and use of your information is governed by our Privacy Policy. By using the Service, you consent to:

• Collection of portfolio data you manually enter
• Use of cookies and similar technologies
• Processing of data to provide Service features
• Storage of your data on secure servers

We do not sell, share, or distribute your personal information to third parties without your consent.

7. Third-Party Services

The Service may integrate with third-party services for market data, authentication, and other features. These third-party services have their own terms of service and privacy policies. We are not responsible for the content, accuracy, or availability of third-party services.

8. Intellectual Property

The Service and its original content, features, and functionality are owned by XFoli AI and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of our content without permission.

9. Limitation of Liability

10. Service Availability

We strive to provide reliable service but do not guarantee uninterrupted access. The Service may experience downtime for maintenance, updates, or technical issues. We reserve the right to modify, suspend, or discontinue the Service at any time with or without notice.

11. Termination

You may terminate your account at any time by contacting us or using the account deletion feature. We may terminate or suspend your account immediately if you violate these Terms. Upon termination, your right to use the Service ceases, and we may delete your account data.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting the new Terms on this page and updating the “Last updated” date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms are governed by and construed in accordance with the laws of the United States. Any disputes arising from these Terms or the Service will be resolved through binding arbitration or in the courts of competent jurisdiction.

14. Contact Information

If you have questions about these Terms of Service, please contact us through the support channels provided in the application. We will respond to inquiries within a reasonable time frame.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue in full force and effect. The invalid provision will be replaced with a valid provision that most closely matches the intent of the original provision.