Terms of Service

1. Introduction and Acceptance

  • By accessing InvestWiseAI, you agree to these Terms of Service effective April 9, 2025.
  • Updates will be communicated via email and in-app notifications at least 30 days before changes take effect.
  • InvestWiseAI is provided by InvestWise AI LLC, Michigan.

2. Definitions

  • Service: The InvestWiseAI app and its features, including but not limited to AI-powered investment analysis, ESG data tools, and financial information display. The Service does not include personalized financial advice from a licensed professional.
  • User: Individual accessing or using the app.
  • Account: User-registered app account.
  • Content: Information and materials provided via the app.
  • AI Tools: Artificial intelligence capabilities used within the app.

3. Description of Services

  • InvestWiseAI provides AI-powered investment recommendations and ESG analysis tools.
  • It is intended solely for informational purposes and does not constitute financial advice.
  • Users retain sole responsibility for their investment decisions, and no specific investment outcomes or financial returns are guaranteed. The app is a tool for information and analysis, not a substitute for professional financial advice.

4. User Eligibility and Responsibilities

  • Users must be 18 years or older.
  • Users must securely maintain their accounts and are responsible for all activity under their account.
  • Misuse, fraud, unauthorized access, hacking, reverse engineering, distributing malware, or any other illegal activities are strictly prohibited.
  • Users own and are responsible for their generated content.

5. Payment Details

  • Subscription plans and payments are managed via secure third-party processors.
  • Subscription terms, pricing, billing cycles, auto-renewal, refunds, and applicable taxes are detailed clearly upon subscription.
  • Users may cancel subscriptions anytime via account settings.
  • Refunds will be issued within 14 days if requested within 7 days after subscription renewal.

6. Intellectual Property Rights

  • InvestWiseAI and its content (including but not limited to text, graphics, logos, and code) are protected by intellectual property laws.
  • Unauthorized use, copying, modification, distribution, or creation of derivative works is prohibited.
  • Users retain ownership of AI-generated content, but grant InvestWiseAI a non-exclusive, royalty-free license to store, display, and use such content within the app to provide services.

7. Limitation of Liability

InvestWiseAI is provided "as is" and "as available" without any warranties of any kind, express or implied. To the fullest extent permitted by applicable law, we are not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or related to:

  • Your use or inability to use the app.
  • Errors or inaccuracies in AI-generated information.
  • Service interruptions or unavailability.
  • Security breaches (except to the extent caused by our gross negligence or willful misconduct).
  • Force majeure events beyond our reasonable control.

8. Dispute Resolution

  • Any dispute arising out of or relating to these Terms shall be resolved first through good faith negotiation between the parties.
  • If negotiation fails, the dispute shall be finally resolved by binding arbitration in accordance with the rules of the American Arbitration Association in Michigan.
  • The governing law for these Terms and any disputes shall be the laws of the State of Michigan, USA.

9. Termination Clause

We may terminate or suspend your account and access to the app for:

  • Violation of these Terms.
  • Misuse of AI features.
  • Prolonged inactivity.
  • Non-payment (if applicable).
  • Legal requirements.

10. Third-Party Links Disclaimer

InvestWiseAI is not responsible for the content or practices of linked third-party websites.

11. Governing Law

These Terms are governed by the laws of the State of Michigan, USA, without regard to its conflict of laws principles.

12. Contact Information

For inquiries regarding these Terms: