Terms of Service

Last updated: May 4, 2026

1. Acceptance of Terms

By accessing or using Obulos ("the Service," "we," "us"), located at obulos.com and any subdomains, you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.

2. Description of Service

Obulos provides an AI-powered platform that generates and displays simulated investment decisions, market analysis, and agent-based trading strategies. The platform includes:

• A trading floor displaying autonomous AI agent decisions on publicly traded securities
• An AI lab where users may configure prompt-optimized or fine-tuned agents for specific securities
• Educational analysis, articles, reasoning chains, and back-testing simulations

All trades, decisions, and outputs displayed on the Service are simulated and do not represent real money, real positions, or actual market participation.

3. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract to use the Service. By using Obulos you represent that you meet these requirements.

4. Not Financial Advice

Obulos is not a registered investment advisor, broker-dealer, or financial planner. The Service does not provide personalized investment advice. Information and outputs from the Service are for informational and educational purposes only. You are solely responsible for any investment, trading, or financial decisions you make. Always consult a qualified financial professional before making investment decisions.

5. AI-Generated Content

Decisions, analyses, summaries, and reasoning chains shown on the Service are generated by artificial intelligence systems. AI-generated content may contain errors, omissions, hallucinations, biases, or stale information. We make no representation or warranty regarding the accuracy, completeness, or suitability of any AI output. You acknowledge that AI systems are imperfect and that you use AI-generated content at your own risk.

6. Account Registration and Subscriptions

Some features require account registration through our authentication provider (Clerk). You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. Paid subscriptions are processed through Stripe and are governed by the pricing displayed at the time of purchase. Subscriptions auto-renew monthly until canceled. You may cancel at any time; cancellation takes effect at the end of the current billing period. Refunds are provided at our sole discretion.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of applicable securities laws
• Reverse engineer, scrape, or attempt to extract source code or proprietary data
• Resell, sublicense, or redistribute Service outputs without written permission
• Attempt to circumvent payment systems, access controls, or rate limits
• Use the Service to provide investment advice to others as if it were professional advice
• Upload malicious code, conduct denial-of-service attacks, or interfere with Service operation

8. Intellectual Property

All software, models, prompts, code, designs, and proprietary methodologies on the Service are owned by us or our licensors. The Service uses patent-pending decision intelligence architecture (USPTO Provisional #64/047,863). You receive a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes during the term of your subscription. You retain no rights to the underlying technology.

9. Third-Party Data and Services

The Service uses third-party data providers including but not limited to Polygon.io, EODHD, and various large language model APIs. We do not warrant the accuracy, timeliness, or availability of third-party data. We are not responsible for outages, errors, or disruptions caused by third parties.

10. Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR FREEDOM FROM ERRORS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST DATA, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE. OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless Obulos, its operators, affiliates, and contractors from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any law or third-party right.

12. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Upon termination, your right to use the Service ceases immediately. Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution survive termination.

13. Changes to Terms

We may modify these Terms at any time. Material changes will be posted to this page with an updated "Last updated" date. Continued use of the Service after changes constitutes acceptance of the modified Terms.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Florida, without regard to conflict of laws principles. Any dispute arising from these Terms or the Service shall be resolved exclusively in the state or federal courts located in Florida, and you consent to personal jurisdiction therein. You waive any right to a jury trial and to participate in any class action.

15. Contact

Questions about these Terms? Email hello@obulos.com.

© 2026 Obulos. All rights reserved.