Terms of Service

Last updated: 2026-06-06 · Effective date: 2026-06-06

These Terms of Service (the “Terms”) form a binding agreement between you (“you”, “your”) and [Operator Entity], the operator of Legendary Investor (the “Service”, “we”, “us”, “our”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. The Service

Legendary Investor is an educational and informational tool that produces AI-generated commentary on publicly traded securities, framed in the style of well-known investors (“Legend Personas”). The Service may include features such as a council debate, screeners, portfolio stress-tests, watchlists, and natural-language Q&A. All output is generated by large language models and third-party data providers.

2. NOT INVESTMENT, LEGAL, OR TAX ADVICE

The Service does not provide investment, financial, legal, tax, or accounting advice. Nothing on the Service constitutes an offer or solicitation to buy or sell any security, a recommendation to enter into any transaction, or an endorsement of any investment strategy. We are not a registered investment adviser, broker-dealer, financial planner, or fiduciary, and we do not have a duty to act in your best interest.

Legend Personas are simulated educational characters. They do not represent the actual views, statements, recommendations, or endorsements of any real person, fund, or organization. Outputs may be inaccurate, incomplete, biased, or fabricated (“hallucinated”).

You are solely responsible for your investment decisions. Always consult a qualified, licensed financial professional before acting on any information from the Service.

3. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract in your jurisdiction. By using the Service, you represent and warrant that you meet these requirements and that your use of the Service does not violate any law applicable to you. The Service is not directed to residents of any jurisdiction where its use would be unlawful.

4. Accounts

You may need an account to use certain features. You agree to provide accurate information, keep your credentials confidential, and notify us immediately of any unauthorized access. You are responsible for all activity under your account. We may suspend or terminate accounts that violate these Terms or that we believe pose a security or legal risk.

5. Acceptable Use

You agree not to:

• use the Service to provide regulated investment advice to third parties;
• scrape, crawl, mirror, or programmatically extract data outside the rate limits we provide;
• reverse engineer, decompile, or attempt to derive source code or model weights;
• use the Service to build or train a competing product;
• upload content that is unlawful, infringing, defamatory, or malicious;
• attempt to bypass authentication, rate limits, or security controls;
• misrepresent the Service's output as advice from a real person, fund, or registered adviser.

6. Third-Party Data & Services

The Service relies on third-party providers for market data, AI inference, hosting, authentication, and analytics (including, where applicable, Finnhub, Alpha Vantage, Stooq, Yahoo Finance, OpenRouter, Anthropic, OpenAI, Google, Supabase, Pinecone, and Vercel). We do not control these providers and do not warrant the accuracy, completeness, or timeliness of their data. Your use of these providers' outputs through the Service is subject to their respective terms.

7. Intellectual Property

The Service, including its design, code, branding, and original written content, is owned by us or our licensors and protected by intellectual property laws. You retain ownership of any content you submit. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to host, store, process, and display that content for the purpose of operating and improving the Service. References to public figures and their published frameworks are made for educational commentary purposes and do not imply endorsement.

8. AI Output

Output generated by AI models is provided “as is” and may be inaccurate, biased, or unsuitable. Identical prompts may produce different outputs. We make no promises about the accuracy, reliability, or fitness of AI output for any purpose. You are solely responsible for evaluating and verifying any output before relying on it.

9. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED OPERATION. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE OR SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE OR OUR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR INVESTMENT LOSSES; OR ANY DAMAGES ARISING FROM RELIANCE ON THE SERVICE'S OUTPUT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (a) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM, OR (b) USD $100.

11. Indemnification

You agree to indemnify and hold harmless [Operator Entity] and its officers, employees, and agents from any claim, demand, loss, liability, or expense (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any law or third-party right, or (d) any investment decision you make in reliance on the Service's output.

12. Termination

We may suspend or terminate your access at any time for any reason, including violation of these Terms. You may stop using the Service at any time. Sections that by their nature should survive termination will survive (including Sections 2, 7, 9, 10, 11, 13, and 14).

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of [Governing Jurisdiction], without regard to its conflict-of-laws rules. Any dispute will be resolved exclusively in the courts located in [Venue], except as set out below.

Arbitration & class-action waiver (where permitted): To the extent permitted by applicable law, you and we agree to resolve any dispute by binding individual arbitration administered by a recognized arbitration body, and you waive any right to participate in a class action, class arbitration, or representative proceeding. This clause does not apply where it is unenforceable under local consumer protection law.

14. Changes to the Terms

We may update these Terms from time to time. Material changes will be notified by updating the “Last updated” date and, where appropriate, by email or in-app notice. Continued use of the Service after changes take effect constitutes acceptance.

15. Miscellaneous

If any provision is held unenforceable, the remaining provisions will remain in full force. Our failure to enforce any right is not a waiver. These Terms, together with our Privacy Policy and Legal & Risk Disclosures, constitute the entire agreement between you and us regarding the Service.

16. Contact

Questions about these Terms? Email govindw007@gmail.com.