🛡️ Guardfolio AI

Terms of Service

Last Updated: December 1, 2025

Welcome to Guardfolio AI. By accessing or using our platform, you agree to be bound by these Terms of Service ("Terms"). Please read them carefully before using our service.

1. Acceptance of Terms

By creating an account, accessing our website, or using any Guardfolio AI services, you agree to comply with and be legally bound by these Terms, our Privacy Policy, and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

2. Description of Service

Guardfolio AI provides AI-powered portfolio risk monitoring, health scoring, and automated alert delivery for stocks, cryptocurrencies, retirement accounts, and other investment portfolios. Our service includes:

3. Eligibility

You must meet the following requirements to use Signal Stream:

4. Account Registration and Security

4.1 Account Creation

To access certain features, you must create an account by providing accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials.

4.2 Account Responsibility

You are solely responsible for all activities that occur under your account. You must immediately notify us of any unauthorized access or security breach.

4.3 One Account Per User

Each user is permitted one active account. Creating multiple accounts to circumvent restrictions or abuse our service is prohibited and may result in immediate termination.

5. Subscription Plans and Payments

5.1 Pricing

Guardfolio AI offers multiple subscription tiers:

5.2 Payment Processing

Payments are processed securely through Stripe. By providing payment information, you authorize us to charge the applicable fees on a recurring basis until you cancel your subscription.

5.3 Billing Cycle

Subscriptions are billed monthly in advance. Your billing cycle begins on the date you upgrade to a paid plan and renews automatically each month unless canceled.

5.4 Cancellation and Refunds

You may cancel your subscription at any time through your account dashboard. Cancellations take effect at the end of the current billing period. We do not offer prorated refunds for partial months, except as required by law or at our sole discretion.

5.5 Price Changes

We reserve the right to modify subscription pricing with 30 days' advance notice. Continued use of the service after price changes constitutes acceptance of the new pricing.

6. Acceptable Use Policy

You agree not to use Guardfolio AI to:

7. Intellectual Property Rights

7.1 Our Content

All content, including portfolio analysis, algorithms, health scoring systems, software, logos, and documentation, is the property of Guardfolio AI and protected by copyright, trademark, and other intellectual property laws.

7.2 License Grant

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our service for personal or business purposes in accordance with these Terms.

7.3 Restrictions

You may not:

8. Disclaimers and Limitations of Liability

IMPORTANT: PLEASE READ CAREFULLY

Guardfolio AI provides portfolio risk monitoring and analysis for informational and educational purposes only. We do not provide financial advice, investment advice, or recommendations to buy or sell any securities.

8.1 No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

8.2 Investment Risks

Investing in financial markets involves substantial risk of loss. Past performance does not guarantee future results. You are solely responsible for your investment decisions and any resulting profits or losses.

8.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GUARDFOLIO AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

8.4 Maximum Liability

Our total liability for any claims arising from your use of the service shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.

9. Indemnification

You agree to indemnify, defend, and hold harmless Guardfolio AI, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

10. Termination

10.1 Termination by You

You may terminate your account at any time by canceling your subscription and deleting your account through the dashboard.

10.2 Termination by Us

We reserve the right to suspend or terminate your account immediately, without notice, for:

10.3 Effect of Termination

Upon termination, your right to access and use the service immediately ceases. We may delete your account data in accordance with our Privacy Policy. You remain liable for all charges incurred prior to termination.

11. Dispute Resolution and Arbitration

11.1 Informal Resolution

Before filing any formal claim, you agree to contact us at [email protected] to attempt informal resolution.

11.2 Binding Arbitration

Any dispute arising from these Terms or your use of the service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court.

11.3 Class Action Waiver

You agree to resolve disputes on an individual basis only and waive the right to participate in class actions or class arbitrations.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles. Any legal action must be brought in the state or federal courts located in Delaware.

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by email or through a prominent notice on our platform at least 30 days before the changes take effect. Your continued use after changes become effective constitutes acceptance of the modified Terms.

14. Miscellaneous

14.1 Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Signal Stream.

14.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

14.3 No Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

14.4 Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms at any time without notice.

15. Contact Information

For questions about these Terms, please contact us: