AI Portfolios is in active development. Director is expected to launch in Q3 2026.

1. Acceptance of These Terms

These Terms & Conditions (“Terms”) are a legal agreement between you and AI PORTFOLIOS, LLC (“AI Portfolios,” “we,” “us,” or “our”) governing your access to and use of the AI Portfolios website, mobile application, and related services (the “Services”). By creating an account or using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

2. Eligibility

You must be at least 18 years old and a resident of the United States to use the Services. The Services are offered only in the United States and in the English language. By using the Services, you represent that you meet these requirements and that the information you provide is accurate and complete.

3. Description of the Services

AI Portfolios provides two tiers of service, supported by a licensed Registered Investment Adviser:

  • Director (Advisory Only). An AI-assisted financial consulting service that builds a financial profile, generates consultation reports, monitors your portfolio, and provides ongoing guidance exclusively through an automated, algorithmically driven AI chat interface. All recommendations are generated strictly by our software-based models based on information you provide; our advisory personnel do not create, review, or modify your specific portfolio guidance. The consulting tier is advisory only and does not execute trades on your behalf.
  • Autopilot (Autonomous Trading). An enhanced tier that adds AI-driven, autonomous portfolio management, including economic regime detection, tactical allocation, rebalancing, tax-loss harvesting, and trade execution through connected brokerage accounts.

We may modify, add, or discontinue features of the Services at any time.

4. Investment Advisory Relationship

AI Portfolios provides automated digital investment advisory services. Our Registered Investment Adviser is solely responsible for the technical development, structural compliance, and supervisory oversight of the platform’s underlying algorithmic models. The RIA and platform staff do not provide customized, human-directed investment advice, nor do they expand upon or manually alter the technologically rendered output for individual accounts.

Your advisory relationship is also governed by a separate Investment Advisory Agreement and the adviser’s Form ADV disclosure documents, which you should review carefully. In the event of a conflict between these Terms and the Investment Advisory Agreement regarding advisory services, the Investment Advisory Agreement controls. As a fiduciary, the adviser acts in your best interest in providing advisory services, subject to the terms of that agreement.

5. Autonomous Trading Authorization (Autopilot – Pro Tier)

If you activate the Pro tier, you grant AI Portfolios and its affiliated adviser limited discretionary authority to manage and execute trades in your connected accounts without obtaining your approval before each individual trade, subject to the strategy parameters and guardrails you authorize. Before activating autonomous trading, you must acknowledge the autonomous trading disclosures, which describe:

  1. The nature of autonomous execution, including that the AI may trade without per-trade approval;
  2. The strategy parameters governing execution;
  3. The risk of loss;
  4. How to pause autonomous trading; and
  5. The role of RIA oversight.

You may pause autonomous trading at any time through the app or dashboard. Automated risk controls may also pause trading under certain conditions; resuming trading after such a pause requires your explicit confirmation. You remain responsible for reviewing your account activity.

6. No Guarantee of Results; Risk of Loss

Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. We do not guarantee any particular return, outcome, or performance, and we do not predict future market performance. AI-generated analysis and recommendations are based on available data and models that may be incomplete or inaccurate. You are responsible for your own investment decisions to the extent they are not delegated under the Pro tier.

7. No Tax or Legal Advice

Tax-related features, including tax-loss harvesting and tax document generation, are provided for convenience and informational purposes and do not constitute tax, legal, or accounting advice. You should consult a qualified tax or legal professional regarding your specific situation.

8. Accounts and Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You agree to use supported authentication methods (including Sign in with Apple, Google, or email, and optional biometric authentication) and to notify us promptly of any unauthorized access. You agree to provide accurate information and to keep it current.

9. Subscriptions, Fees, and Billing

  • Consulting tier: $19.99 per month.
  • Pro tier: $49.99 per month for accounts under $100,000 in assets under management, and asset-based (basis-point) pricing for larger accounts, as disclosed at the time of subscription and in the advisory agreement. Client acknowledges that because the Pro tier charges a flat monthly fee for accounts under $100,000, clients with lower account balances may experience an effective annualized fee rate that exceeds 2% of their assets under management, which is higher than typical industry advisory fees.

Subscriptions purchased through the Apple App Store are billed and managed by Apple under its terms, including auto-renewal and cancellation procedures. Asset-based advisory fees, where applicable, are governed by the Investment Advisory Agreement. Fees are non-refundable except as required by law or as expressly stated. We may change pricing on prospective notice. Held-away asset management may involve additional third-party costs (for example, Pontera fees), which will be disclosed where applicable.

10. Third-Party Services and Connected Accounts

The Services rely on third-party providers, including Plaid, brokerage partners (such as Alpaca, Interactive Brokers, and Apex), Pontera, market-data providers, and Anthropic. Your use of those services is also subject to their respective terms. We are not responsible for the acts, omissions, availability, or accuracy of third-party services, and connectivity issues or outages may affect the Services, including trade execution.

11. AI-Generated Content

Responses, reports, and recommendations are generated exclusively via our operational interactive software, utilizing automated models and third-party API integrations (including Anthropic’s Claude API). Client explicitly acknowledges that automated models are subject to operational limitations, data processing gaps, and model constraints. Digital advice is rendered without human modification and relies entirely on the parameters and risk profiles input by the client. While we apply compliance filtering and oversight, AI output should not be treated as a guarantee of accuracy. The Services are not a substitute for professional judgment where independent professional advice is appropriate.

12. Acceptable Use

You agree not to: (a) use the Services for any unlawful purpose; (b) attempt to gain unauthorized access to the Services or other users’ accounts; (c) interfere with or disrupt the Services or their security; (d) reverse engineer, scrape, or copy the Services except as permitted by law; or (e) provide false information or impersonate another person.

13. Intellectual Property

The Services, including all software, content, models, designs, trademarks, and the AI Portfolios name and logo, are owned by us or our licensors and are protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal, non-commercial use, subject to these Terms. You retain ownership of the personal information and content you provide.

14. Disclaimer of Warranties

EXCEPT AS EXPRESSLY PROVIDED AND TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. THIS SECTION DOES NOT LIMIT THE FIDUCIARY DUTIES OWED UNDER APPLICABLE INVESTMENT-ADVISER LAW.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, AI PORTFOLIOS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICES. NOTHING IN THESE TERMS CONSTITUTES A WAIVER, DISCLAIMER, OR LIMITATION OF ANY LIABILITY OR LEGAL RIGHTS THAT THE CLIENT SECURES UNDER APPLICABLE FEDERAL OR STATE SECURITIES LAWS, INCLUDING THE INVESTMENT ADVISERS ACT OF 1940, AND RELATED FIDUCIARY OBLIGATIONS, WHICH CANNOT BE CONTRACTUALLY WAIVED OR RELEASED.

16. Indemnification

You agree to indemnify and hold harmless AI Portfolios and its affiliates from claims, losses, and expenses (including reasonable attorneys’ fees) arising out of your misuse of the Services, your violation of these Terms, or your violation of any law or the rights of a third party, to the extent permitted by applicable law.

17. Dispute Resolution; Arbitration; Class-Action Waiver

Except where prohibited by law, you and AI Portfolios agree to resolve disputes through binding individual arbitration rather than in court, and you waive the right to participate in a class action. Details of the arbitration process, the administering body, location, and any opt-out rights will be set out in this section and finalized by counsel.

18. Termination

You may stop using the Services and cancel your subscription at any time. We may suspend or terminate your access if you violate these Terms, if required for legal or security reasons, or if we discontinue the Services. Certain provisions, including those relating to intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution, survive termination. We will retain records as required by law.

19. Governing Law

These Terms are governed by the laws of the State of Delaware and applicable federal law, without regard to conflict-of-laws principles, except to the extent that the rules of arbitration or securities laws provide otherwise.

20. Required Regulatory Disclosures

Advisory services are provided through a Registered Investment Adviser and are subject to SEC and FINRA rules, including FINRA Rule 2210 and SEC Marketing Rule 206(4)-1. Investing involves risk and possible loss of principal; past performance does not guarantee future results; and no statement in the Services should be interpreted as a guarantee of performance. Additional disclosures are provided in the adviser’s Form ADV and Investment Advisory Agreement.

21. Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms with a revised “Last updated” date and, where required, provide additional notice. Your continued use of the Services after the effective date constitutes acceptance of the updated Terms.

22. Contact Us

If you have questions about these Terms, contact us at:

AI PORTFOLIOS, LLC

Email: info@aiportfolios.com