Terms of Service

1. Your Relationship With Us

Welcome to Toponelogic (“Toponelogic,” “we,” “our,” or “us”), an AI-powered investment analysis platform that provides multi-agent analysis for stocks and cryptocurrencies, together with related websites, applications, content, and software (collectively, the “Service”).

These Terms of Service (these “Terms”) form a legally binding agreement between you and Toponelogic Inc. and set out the terms and conditions on which you may access and use the Service. “You” refers to the individual who accesses or uses the Service. Please take the time to read these Terms carefully.

2. Accepting These Terms

By accessing or using the Service, you confirm that you can form a binding contract with Toponelogic, that you accept these Terms, and that you agree to comply with them. You must be at least 18 years old and have the legal capacity to enter into this agreement; the Service is not intended for anyone under 18.

Your access to and use of the Service is also governed by our Privacy Policy and our Financial Disclaimer, which are incorporated into these Terms by reference. If you do not agree to these Terms, you must not access or use the Service. We will treat your access to or use of the Service as acceptance of these Terms from that point onward.

3. Your Account

To access certain features, you must create an account and provide accurate, current, and complete information. It is important that you keep this information up to date.

You are responsible for keeping your account credentials — including your password, API keys, and two-factor authentication (2FA) settings — confidential, and for all activity that occurs under your account. If you know or suspect that anyone has obtained your password or accessed your account without authorization, you must notify us promptly at support@toponelogic.com.

If you no longer wish to use the Service, you may delete your account through your account settings or by contacting us. Once your account is deleted, you may not be able to reactivate it or retrieve content you have added, except as described in our Privacy Policy.

4. Your Access to and Use of the Service

Subject to these Terms, we grant you a non-exclusive, limited, non-transferable, non-sublicensable, and revocable license to access and use the Service for your personal, non-commercial purposes. All content, features, and functionality of the Service (except User Content) — including software, code, design, text, graphics, logos, AI analysis frameworks, prompt templates, and data pipelines (“Toponelogic Content”) — are owned by or licensed to Toponelogic Inc. and are protected by intellectual property laws. We reserve all rights not expressly granted, and we may suspend or terminate this license at any time.

You acknowledge that we have no obligation to pre-screen or monitor User Content, that you may be exposed to content that is inaccurate or objectionable, and that our automated systems may analyze content to detect spam, fraud, abuse, and security issues. We may remove or disable access to content, and suspend or terminate accounts, at our discretion for conduct we believe violates these Terms or any applicable law.

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws;
• Reverse engineer, decompile, or disassemble any part of the Service;
• Attempt to gain unauthorized access to other users’ accounts or data;
• Scrape, crawl, or use automated tools to extract data from the Service without authorization;
• Distribute, republish, or commercially exploit AI-generated analysis reports in bulk;
• Post false, misleading, defamatory, or harmful content in community features;
• Interfere with or disrupt the Service’s infrastructure or performance;
• Impersonate any person or entity, or misrepresent your affiliation; or
• Use the Service to provide investment advice to third parties without appropriate licensing.

5. Subscription and Payment

The Service offers both free and paid subscription plans (“Pro”). By subscribing to a paid plan, you agree to the following:

• Billing: Subscription fees are billed in advance on a monthly or annual basis through our payment processor, Stripe. All amounts are in U.S. dollars.
• Free Trial: If offered, a free trial period allows you to evaluate Pro features. You will not be charged until the trial period ends, and you may cancel before the trial expires to avoid charges.
• Automatic Renewal: Subscriptions automatically renew at the end of each billing cycle unless canceled prior to the renewal date.
• Cancellation: You may cancel your subscription at any time through your account settings. Upon cancellation, you will retain access to Pro features until the end of your current billing period. No refunds are provided for partial billing periods.
• Price Changes: We reserve the right to change subscription pricing with at least 30 days’ prior notice. Price changes will take effect at the start of the next billing cycle.

6. AI Analysis, Paper Trading, and Live Trading

All analysis reports, ratings, price targets, and signals provided through the Service are generated by AI models and are for informational and educational purposes only. They do not constitute financial, investment, or trading advice. Please review our Financial Disclaimer, which forms part of these Terms.

Paper Trading. The paper trading feature uses simulated (virtual) funds and does not involve real financial transactions. Simulated results do not reflect real market conditions and are not indicative of future performance.

Live Trading. If available, live trading is facilitated through third-party brokerage services (e.g., Alpaca Markets). You are solely responsible for your trading decisions and any resulting gains or losses. We do not act as a broker, dealer, or financial advisor, and your use of third-party brokerage services is subject to their respective terms.

7. Third-Party Services and API Keys

The Service integrates with third-party data providers, AI model providers, brokerage services, and other third-party products. By providing your own API keys or connecting a third-party account through the Service settings, you acknowledge that your use of those third-party services is governed by their respective terms and privacy policies. We do not control and are not responsible for the availability, accuracy, or policies of any third-party services. You are responsible for safeguarding your API keys and for any charges incurred through their use.

8. Feedback

If you choose to provide feedback, suggestions, or comments about the Service (“Feedback”), you assign to Toponelogic all right, title, and interest in that Feedback. We may use and disclose Feedback for any purpose, without restriction or compensation to you, and we are under no obligation to act on it.

9. User Content

The Service may allow you to upload, post, or submit content such as posts, predictions, comments, watchlists, and notes (“User Content”). By submitting User Content, you grant us a non-exclusive, worldwide, royalty-free license to use, host, store, display, and distribute that content within and for the operation of the Service. You retain ownership of your User Content.

You are solely responsible for your User Content and the consequences of submitting it, and you agree that it will not violate these Terms or any applicable law. We do not endorse any User Content, we accept no liability for content submitted by users, and we make no guarantee that User Content will be stored or remain available. We may remove User Content that we believe violates these Terms, without prior notice. To report content, contact us at legal@toponelogic.com.

10. Privacy and Security

Your use of the Service is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Service, you acknowledge that you have read and accepted the Privacy Policy. Our Privacy Policy may be updated from time to time, and your continued use of the Service after any update constitutes acceptance of it.

We use commercially reasonable administrative, technical, and physical safeguards to protect your information. However, no transmission over the internet is fully secure, and we cannot guarantee that information you send to us will be secure or confidential. If you use the public or community features of the Service, content you provide there may become publicly accessible.

11. Intellectual Property and Copyright (DMCA)

We respect intellectual property rights and ask you to do the same. You agree not to use the Service to infringe any intellectual property rights, and we may suspend or terminate the accounts of users who infringe or are alleged to infringe the rights of others.

If you believe that content on the Service infringes your copyright, please send a notice to legal@toponelogic.com that includes: (a) a description of the copyrighted work; (b) identification of the allegedly infringing material and its location on the Service; (c) your contact information; (d) a statement that you have a good-faith belief the use is not authorized; and (e) a statement, under penalty of perjury, that the information is accurate and that you are the copyright owner or authorized to act on the owner’s behalf.

12. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Toponelogic Inc. and its affiliates, and their respective officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or in connection with: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third-party rights; or (d) any investment or trading decisions you make based on information obtained through the Service.

13. Disclaimer of Warranties

NOTHING IN THESE TERMS AFFECTS ANY STATUTORY RIGHTS THAT YOU CANNOT CONTRACTUALLY WAIVE AS A CONSUMER. THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. ALL AI-GENERATED CONTENT IS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE INVESTMENT ADVICE, FINANCIAL ADVICE, OR A RECOMMENDATION TO BUY, SELL, OR HOLD ANY SECURITY OR CRYPTOCURRENCY. WE MAY CHANGE, SUSPEND, OR WITHDRAW ALL OR ANY PART OF THE SERVICE AT ANY TIME WITHOUT NOTICE.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL Toponelogic Inc., ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, GOODWILL, DATA, OR INVESTMENTS, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED (100) U.S. DOLLARS. NO CLAIM ARISING OUT OF OR RELATED TO THESE TERMS MAY BE BROUGHT MORE THAN TWELVE (12) MONTHS AFTER THE FACTS GIVING RISE TO IT OCCURRED. ANY DISPUTE YOU HAVE WITH A THIRD PARTY (INCLUDING ANY BROKER OR OTHER USER) ARISING OUT OF YOUR USE OF THE SERVICE IS DIRECTLY BETWEEN YOU AND THAT THIRD PARTY.

15. Dispute Resolution and Arbitration

Informal Resolution. Before filing a formal dispute, you agree to first contact us at legal@toponelogic.com to attempt to resolve the dispute informally within 30 days.

Binding Arbitration. Any dispute, controversy, or claim arising out of or relating to these Terms or the Service that cannot be resolved informally shall be settled by binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules. The arbitration shall be conducted in the State of California, United States, by a single arbitrator, in English.

Class Action Waiver. YOU AND Toponelogic Inc. AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

16. Geographic Restrictions

The Service is currently available to users in the United States. Users in the European Union should be aware that the Service is not registered as a Crypto-Asset Service Provider (CASP) under the MiCA regulation; EU residents use the Service at their own discretion. We may restrict access from jurisdictions where regulatory requirements have not been met.

17. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict-of-law provisions and without regard to the United Nations Convention on Contracts for the International Sale of Goods. Any legal action or proceeding not subject to arbitration shall be brought exclusively in the state or federal courts located in San Francisco County, California.

18. General Terms

19. Contact Us

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