Terms of Service

1. Agreement to Terms

By accessing or using Trio ("Service," "Platform," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

Trio is an AI-powered portfolio tracking and investment management platform that allows users to:

• Track investment portfolios across multiple asset classes
• Receive AI-powered investment recommendations
• Analyze portfolio performance and risk
• Access market data and news
• Interact with an AI financial assistant
• Share portfolio strategies with the community (optional)

3. User Accounts

3.1 Account Creation

To use certain features, you must register for an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Maintain the security of your password
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

3.2 Age Requirement

You must be at least 18 years old to use this Service. By using the Service, you represent that you are 18 or older.

4. Acceptable Use

You agree NOT to:

• Use the Service for any illegal purpose or violate any laws
• Attempt to gain unauthorized access to the Service or other users' accounts
• Interfere with or disrupt the Service or servers
• Transmit viruses, malware, or other harmful code
• Scrape, spider, or crawl the Service without permission
• Impersonate another person or entity
• Harass, abuse, or harm other users
• Use automated systems to access the Service excessively
• Reverse engineer or attempt to extract source code

5. Not Financial Advice

• We are not registered as a broker-dealer, investment advisor, or financial advisor
• All investment decisions are your own responsibility
• Past performance does not guarantee future results
• All investments carry risk, including loss of principal
• AI recommendations may contain errors or be based on incomplete data

6. Data Accuracy

While we strive to provide accurate market data and portfolio calculations:

• Market data may be delayed or inaccurate
• Price information comes from third-party providers and may contain errors
• You are responsible for verifying all data before making decisions
• Portfolio calculations are based on the data you provide
• We are not liable for losses due to data inaccuracies

7. Intellectual Property

7.1 Our Property

The Service and its original content, features, and functionality are owned by Trio and are protected by international copyright, trademark, and other intellectual property laws.

7.2 Your Content

You retain ownership of portfolio data you input. By using the Service, you grant us a license to use, store, and process your data to provide the Service. If you share your portfolio publicly, you grant other users a non-exclusive license to view that data.

8. Service Availability

We strive to keep the Service available 24/7, but we do not guarantee uninterrupted access. We may:

• Suspend or terminate the Service for maintenance
• Modify or discontinue features at any time
• Limit access during high traffic periods
• Terminate accounts that violate these Terms

9. Free Service and Monetization

Trio is currently free to use. We monetize through:

• Advertisements: We display ads via Google AdSense and other networks
• Premium Features: Future paid features may be introduced (with notice)

We reserve the right to introduce paid features or change our pricing model with 30 days' notice.

10. Third-Party Services

Our Service integrates with third-party services (OpenAI, CoinGecko, Yahoo Finance, Google AdSense). These services have their own terms and policies. We are not responsible for:

• Third-party service availability or accuracy
• Changes to third-party APIs or pricing
• Third-party data breaches or security incidents
• Third-party terms of service violations

11. Limitation of Liability

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of data
• Uninterrupted or error-free operation

13. Indemnification

You agree to indemnify, defend, and hold harmless Trio and its affiliates from any claims, liabilities, damages, losses, and expenses (including legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any laws or regulations

14. Termination

We may terminate or suspend your account and access immediately, without prior notice, for any reason, including:

• Breach of these Terms
• Fraudulent or illegal activity
• Long periods of inactivity
• At our sole discretion

Upon termination, your right to use the Service will cease immediately. You may delete your account at any time through account settings.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Trio operates, without regard to conflict of law provisions. Any disputes arising from these Terms or the Service shall be resolved through binding arbitration or in the courts of that jurisdiction.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or a prominent notice on the Service. Your continued use after changes constitutes acceptance of the modified Terms. If you disagree with changes, you must stop using the Service.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Trio regarding the Service and supersede all prior agreements.

19. Contact Information

For questions about these Terms, please contact us: