Terms & Conditions

By accessing this website or using the StonksAI app, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the site or the app.

We may modify these Terms and the services at any time. Continued use after a change takes effect constitutes acceptance of the revised Terms.

StonksAI is offered by InSiteVerse Inc. d/b/a StonksAI, based in Ohio, United States. StonksAI is a registered brand and trademark of InSiteVerse Inc.

We are not a broker-dealer or an investment adviser, and we do not provide personalized investment, legal, tax or accounting advice. Everything the app produces is educational and general in nature. Past performance is not a guarantee of future results.

Support enquiries: contact@insiteverse.com. Privacy enquiries: privacy@insiteverse.com.

StonksAI helps self-directed retail investors review AI-scored stock and options ideas, set risk preferences, and build a weekly Tactical Plan with defined entries, stops and targets.

StonksAI is planning software. It does not place, review or submit orders, does not link to your brokerage account, does not custody assets and does not hold your funds. Where the app offers a one-tap handoff to a broker, it passes the trade details to that broker’s own order ticket; you check the order and submit it yourself, in the broker’s app, under your own account and responsibility. The handoff is a convenience for order entry and is not an official integration with, or endorsement by, any broker.

You must be 18 or older and able to form a binding contract to use the app. Our services are focused on the United States and North America. Users elsewhere may participate only where permitted by applicable law.

In the course of operating StonksAI we collect:

• Name, email address, phone number, password, and account verification details.
• Google sign-in account data, when you choose Google authentication.
• Profile, persona, risk settings, approximate account balance, and planning selections.
• Device, session, and optional biometric device-registration metadata.
• Optional profile photo and related storage metadata.

We do not collect or store personal bank details or brokerage credentials.

• To create and secure your account, and to support password reset, two-factor authentication and biometric login registration.
• To operate the app, save your settings, and provide the planning features.
• To send account notices, verification messages and support responses.
• To work with service providers that support hosting, storage, sign-in and verification workflows.

We do not sell personal information.

You can update your profile details, password, notification settings, privacy settings, two-factor authentication and biometric login settings from within the app.

You may request account deletion or make any other privacy request by contacting privacy@insiteverse.com, or by using the data deletion request form at stonksai.us/privacy/delete-request. Our full privacy notice is published at stonksai.us/privacy.

You are solely responsible for:

• Deciding whether to act on any idea, score or plan the app produces.
• Setting your own preferences, risk settings and controls.
• Obtaining any broker approvals you need and maintaining sufficient funds.
• Monitoring your own positions and orders.
• Your own tax obligations arising from any trading you undertake.
• Keeping your account credentials confidential.

We do not act as a fiduciary. The app is for informational, educational and planning purposes only. Nothing in the app is personalized financial, investment, trading, legal, tax or accounting advice.

AI-generated scores, outputs and planning views are tools for your review only. They may be inaccurate or incomplete and must not be the sole basis for an investment decision. You remain solely responsible for your decisions.

Market data may be delayed, incomplete or inaccurate. Backtested and hypothetical performance has significant limitations and does not reflect actual trading conditions, costs or liquidity. Any such figures are illustrative only.

Past performance, simulated results and model outputs do not guarantee future results.

All investing involves risk, including loss of principal. Markets involve risk and you use the app at your own discretion and risk.

Software tools can fail. Networks and third-party APIs may be unavailable or degraded, and where trading is involved, execution may be partial or at prices different from those anticipated. Options trading in particular carries a substantial risk of loss and is not suitable for every investor.

Some features are released early, and any feature may be unstable or inaccurate, or be changed or removed without notice. Broker handoff in particular depends on undocumented behaviour in third-party apps that can change at any time, so it may stop working without warning. Use early features at your own risk.

You must not:

• Scrape, harvest or systematically extract data from the site or app.
• Reverse engineer, decompile or attempt to derive the source code or models.
• Circumvent security, rate limits or access controls.
• Violate the rules of any broker, exchange or market, or any applicable securities law.
• Use the services to harass, defraud or harm others, or to distribute malware.

We and our licensors own the site, the app, and all associated code, models, content and branding. You receive a limited, revocable, non-transferable licence to use them for personal, lawful purposes only.

The site and app may reference or link to third-party tools and services, including app stores, sign-in providers and brokerages. We do not control them and are not responsible for them. Their own terms and privacy policies apply independently.

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. We do not warrant that the services will be uninterrupted, timely, secure or error-free.

To the fullest extent permitted by law, we are not liable for market losses, lost profits, or any indirect, incidental, special or consequential damages. Our total aggregate liability is limited to the greater of one hundred U.S. dollars (US$100) or the amounts you paid us in the three months preceding the claim.

You agree to defend, indemnify and hold harmless InSiteVerse Inc. and its officers, employees and agents from any claims, damages, liabilities and expenses arising out of your use of the services or your breach of these Terms.

We may modify these Terms and the services at any time. We may suspend or terminate access for reasons of risk, compliance or misuse, with or without notice.

These Terms are governed by the laws of the State of Ohio, without regard to its conflict-of-laws rules.

Disputes will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual action in small-claims court.

YOU AND INSITEVERSE AGREE THAT EACH MAY BRING CLAIMS ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

You may opt out of this arbitration agreement by emailing contact@insiteverse.com within 30 days of first accepting these Terms.