Terms of Use

01Acceptance of terms

These Terms of Use ("Terms") form an agreement between you and Pocket Atelier LLC ("bipsai," "we," "us") governing your use of the bipsai application and website (collectively, the "Service"). By downloading, accessing, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

02What bipsai is

bipsai is an educational research tool that synthesizes publicly available and third-party licensed information about US-listed equities. For any ticker, the Service presents a bull case, a bear case, catalysts, risks, fundamentals, technicals, analyst consensus, news, and relevant SEC filing summaries. The Service is informational and educational in nature; it does not execute trades, hold assets, or connect to brokerage accounts.

03Not investment advice

The Service does not provide investment, financial, legal, or tax advice, and does not give personalized recommendations. bipsai does not consider your financial situation, investment objectives, risk tolerance, tax circumstances, portfolio, or time horizon. bipsai is not a broker-dealer, investment adviser, or fiduciary, and creates no fiduciary relationship with you. Nothing in the Service is an offer or solicitation to buy, sell, or hold any security. The deliberate presentation of both a bull case and a bear case is a research framing, not a directional signal. See our Disclaimers for full detail.

04Eligibility

You must be at least 18 years old to use the Service. By using bipsai, you represent that you meet this requirement. The Service focuses on US-listed equities; higher plan tiers may add research coverage for additional asset classes, such as ETFs, cryptocurrencies, forex pairs, and commodities. You are responsible for determining whether access to this content is lawful in your jurisdiction and for all decisions you make based on it.

05Subscriptions & billing

• bipsai offers Standard, Pro, and Premium plan tiers. Paid subscriptions are sold and billed through the app store from which you downloaded the app, subject to its respective terms and conditions. bipsai does not process payments directly and does not receive your card details.
• Where offered, a new subscription may begin with a 7-day free trial. The trial converts to a paid subscription automatically unless you cancel it in your app store account settings before it ends. Trial eligibility is determined by the app store per Apple ID or Google account.
• Subscriptions renew automatically at the end of each billing period until cancelled. Manage or cancel your subscription in your app store account settings.
• Deleting your bipsai account does not cancel an active App Store or Google Play subscription; you must cancel it separately in your app store account settings.
• Prices may change with advance notice as required by applicable law. Refunds are handled by the applicable app store under its own refund policies.
• App store terms. The operator of the app store from which you downloaded the app is not a party to these Terms and is not responsible for the Service or its content. It provides its own billing, refunds, and account management and has no warranty, maintenance, or support obligation for the Service. That operator and its affiliates are third-party beneficiaries of these Terms and may enforce them against you.

06Acceptable use

You agree not to misuse the Service. Prohibited conduct includes, without limitation:

• Scraping, crawling, or systematically extracting content from the Service.
• Using any content, analysis, or output from the Service to train, fine-tune, validate, or develop artificial-intelligence models, machine-learning algorithms, or large language models, without our express written consent.
• Reverse-engineering, decompiling, or attempting to extract source code.
• Reselling, sublicensing, or redistributing the Service or its content.
• Circumventing rate limits, quotas, or access controls.
• Using the Service for any unlawful purpose or in violation of any applicable law.

07Intellectual property

The Service — including its design, text, brand, and research methodology — is owned by Pocket Atelier LLC and protected by applicable intellectual property law. Third-party market data, news, and filing content belongs to its respective providers and is used under license or in accordance with applicable terms. We grant you a limited, personal, non-exclusive, non-transferable licence to use the Service for your own non-commercial research purposes.

08Disclaimers & limitation of liability

The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that any data or analysis is accurate, complete, or timely.

Quotes and fundamentals come from our data providers on a best-effort basis. bipsai does not guarantee real-time accuracy. Quotes reflect the latest available price at the time you open a ticker; the Service does not stream or continuously update prices, and quoted prices may be delayed or inaccurate and may not reflect current market conditions. Do not use quoted prices as the basis for trade execution.

The editorial analyses, summaries, and sentiment metrics provided by the Service are generated using automated artificial-intelligence tools that process third-party data feeds. While we strive for thematic accuracy, these outputs may contain omissions, misinterpretations, or technical inaccuracies. You acknowledge that they are provided for informational and educational research only and must be independently verified against official SEC filings or other primary sources before you make any financial decision.

To the maximum extent permitted by law, Pocket Atelier LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, including investment losses, arising from your use of or reliance on the Service. Our total liability for any claim will not exceed the amount you paid us in the twelve months preceding the claim.

Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law — including liability for fraud or fraudulent misrepresentation, willful misconduct, gross negligence, death or personal injury caused by negligence, or your mandatory rights as a consumer.

09Termination

You may stop using the Service at any time. We may suspend or terminate your access if you violate these Terms or if we discontinue the Service. Provisions that by their nature should survive termination — including the not-advice disclaimer, limitation of liability, and intellectual property sections — will survive.

10Export controls & sanctions

You may not use, access, download, or export the Service except as authorized by United States law and the laws of the jurisdiction where you are located. You represent that you are not located in, ordinarily resident in, or organized under the laws of any country or territory subject to comprehensive U.S. sanctions or embargoes, and that you are not listed on any U.S. government restricted-party list, including the U.S. Treasury Department's Specially Designated Nationals List or the U.S. Department of Commerce Denied Persons List or Entity List. You also agree not to use the Service for any purpose prohibited by applicable export-control or sanctions laws.

11Governing law

These Terms are governed by the laws of the State of Texas, USA, without regard to its conflict-of-laws principles, and you agree that the exclusive venue for any dispute arising out of or relating to these Terms or the Service lies in the state and federal courts located in Texas. If you are a consumer residing in the European Union, the United Kingdom, or another jurisdiction whose mandatory consumer-protection laws apply to you, nothing in these Terms deprives you of the protection those laws give you, and you may also bring proceedings in the courts of your country of residence. We may update these Terms; your continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

12Contact

Questions about these Terms? Email support@bipsai.app.