Terms & Conditions

1. Agreement to these terms

These Terms & Conditions govern your access to and use of Phi’s website, text-messaging experience, portfolio research tools, monitoring, simulations, and related services (the “Services”). By accessing or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.

2. Eligibility

You must be at least 18 years old, capable of entering into a binding agreement, and the subscriber or authorized user of any phone number you provide. You may use the Services only where permitted by law.

3. What Phi provides

Phi provides tools for investment research, portfolio analysis, monitoring, alerts, market and company information, and paper-trading simulations. Certain features may be offered as a beta, may change over time, and may not always be available.

4. No financial advice

Phi is not a registered investment adviser, broker-dealer, brokerage, financial institution, fiduciary, tax adviser, or legal adviser. The Services provide information and tools for educational and research purposes only. Nothing provided by Phi is personalized financial, investment, legal, or tax advice, or a recommendation to buy, sell, or hold any security or financial product.

You are solely responsible for your investment decisions and for independently evaluating information before acting on it. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. Consider consulting a qualified professional where appropriate.

5. Read-only brokerage connections

Phi uses SnapTrade to let you connect supported brokerage accounts. Connections used by Phi are intended to provide read-only access to authorized account and portfolio information. Phi cannot use these connections to place trades, transfer funds, or change brokerage account settings.

By connecting an account, you authorize Phi and SnapTrade to access and process the available account information needed to provide the Services. Your use of a brokerage and SnapTrade may also be governed by their respective agreements and privacy policies.

6. Data and AI-generated output

Brokerage, market, filing, news, social, and other third-party data may be delayed, unavailable, incomplete, or inaccurate. AI-generated output can contain errors, omit important information, or produce unexpected results. You must verify information independently before relying on it.

Paper portfolios, simulations, forecasts, and hypothetical results do not reflect actual execution and may not account for taxes, fees, liquidity, slippage, or changing market conditions.

7. Text messages

By providing your phone number and opting in, you consent to receive service-related and product messages from Phi. Message frequency may vary, and message and data rates may apply. Consent is not a condition of purchase. You may reply STOP to unsubscribe and HELP for assistance.

8. Your responsibilities

You agree to:

• provide accurate information and keep your access credentials secure;
• use only accounts and phone numbers you are authorized to use;
• review outputs and make your own financial decisions; and
• comply with applicable laws and third-party agreements.

9. Prohibited uses

You may not:

• use the Services for unlawful, fraudulent, abusive, or deceptive activity;
• interfere with, overload, probe, or attempt to gain unauthorized access to the Services;
• introduce malware or use automated means to scrape or extract the Services except as expressly permitted;
• reverse engineer or circumvent technical restrictions; or
• impersonate another person or misrepresent your authority.

10. Ownership and feedback

Phi and its licensors retain all rights in the Services, including their software, design, branding, and content. Subject to these Terms, we give you a limited, personal, non-exclusive, non-transferable, revocable right to use the Services. If you provide feedback, you allow us to use it without restriction or compensation.

11. Third-party services

The Services rely on third parties, including SnapTrade, brokerages, market-data and research providers, messaging carriers, and AI and cloud infrastructure providers. We do not control these third parties and are not responsible for their services, availability, accuracy, or conduct.

12. Changes, suspension, and termination

We may add, change, suspend, or discontinue features, including beta features. We may restrict or terminate access if you violate these Terms, create risk, or misuse the Services. You may stop using Phi and unsubscribe from messages at any time.

13. Disclaimer of warranties

To the fullest extent permitted by law, the Services are provided “as is” and “as available.” Phi disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and uninterrupted or error-free operation.

14. Limitation of liability

To the fullest extent permitted by law, Phi and its team will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost data, trading losses, or investment losses arising from or related to the Services. Nothing in these Terms excludes liability that cannot legally be excluded.

15. Indemnification

To the extent permitted by law, you agree to indemnify and hold Phi and its team harmless from claims, liabilities, damages, and expenses arising from your misuse of the Services, violation of these Terms, or violation of another person’s rights.

16. Applicable law and disputes

These Terms are governed by applicable law. Any dispute must be brought in a court with lawful jurisdiction unless the parties agree to another resolution process. Additional consumer rights may apply where you live.

17. Changes to these terms

We may update these Terms as Phi evolves or legal requirements change. We will post updated Terms here and revise the date above. Your continued use after an update means you accept the revised Terms where permitted by law.

18. Contact

If you have questions about these Terms, contact Phi through the contact method provided in the Services.