Terms of Service

These terms govern your use of the Invix website, web app, API and connections to AI apps (the "Service"). By creating an account or using the Service, you agree to these terms with Invix ("we" or "us"). Our Privacy Policy explains how we handle your data.

What Invix is

Invix is a read-only portfolio analytics tool. It values the portfolios you enter, upload or connect and calculates facts about them: holdings, exposure through funds, returns, risk, income, fund costs and tax lots. It can explain those facts through its in-app assistant or through AI apps you connect.

Invix is not registered as an investment adviser or broker-dealer, is not a tax adviser or law firm, and nothing in the Service is investment, tax, legal or accounting advice or a recommendation to buy, sell or hold any security. Invix does not place trades, move money or manage accounts. Read the investment disclaimer before relying on anything you see.

Who can use it

You must be at least 18 years old and a U.S. resident to create an account. You may use the Service for your own portfolios or for portfolios you are authorized to view. You may not use it on behalf of clients.

Your account

Give us an accurate email address and keep your password and sign-in methods secure. You are responsible for activity under your account and for the AI apps you authorize to access it. Tell us promptly at contact@invix-ai.com if you think someone else has used your account.

Your data

You keep all rights to the data you put into Invix, including positions, transactions, files and conversations. You give us permission to store, process and display that data and to send it to the providers named in the Privacy Policy only as needed to run the Service for you. When you connect a brokerage account, you confirm that you may share its data and authorize Invix and its connectivity provider to retrieve it through read-only access.

You can export or delete your data at any time from Account → Data & privacy, as described in the Privacy Policy.

AI features and connected apps

The in-app assistant and AI apps you connect produce text with AI models. That text can be wrong, incomplete or out of date, even when the Invix figures it quotes are correct. Check anything important against the figures in Invix and, where it matters, with a qualified professional. When you connect an AI app, its provider's terms govern your use of that app, and you can revoke its access at any time.

Third-party data and accuracy

Invix relies on data from brokers, our connectivity provider, market-data sources and fund disclosures, and on files you upload. That data can be delayed, incomplete or wrong, and Invix's calculations inherit those limits. The Service shows data quality, dates and coverage where it can, but we do not guarantee that any figure is accurate, complete or current. Market data and fund information are provided for your personal, non-commercial use only.

Acceptable use

Don't:

• use the Service for anyone but yourself, or resell, sublicense or redistribute it or its data;
• scrape, crawl or bulk-download the Service, or use it to build a competing product or dataset;
• get around plan limits, rate limits or security measures, or probe or disrupt the Service, except as described for security research on our support page;
• reverse engineer the Service, except where the law allows it despite this restriction;
• upload anything unlawful, malicious, or that you have no right to share;
• use the Service in violation of any law or regulation.

Plans, billing and cancellation

Basic is free. The following terms apply to paid Pro subscriptions. Stripe bills monthly or annually in advance at the price shown on the Pricing page when you subscribe, plus any applicable tax.

• Renewal. A subscription renews automatically at the end of each period, using the payment method on file, until you cancel.
• Cancellation. You can cancel at any time from Account → Plan & billing, which opens Stripe's billing portal. Pro stays active until the end of the period you have paid for; then your account moves to Basic and your portfolios are kept.
• Refunds. Payments are non-refundable, and we do not give refunds or credits for partial periods, except where the law requires otherwise.
• Price changes. We may change prices. We will give you at least 30 days' notice before a new price applies at renewal. You can cancel before it takes effect.
• Failed payments. If a payment fails and isn't fixed, Pro features stop and Basic limits apply.
• Plan contents. We may change what each plan includes and its limits. If a change materially reduces a paid plan during a period you have paid for, you can cancel and we will refund the unused part of that period.

Changes and availability

We are improving Invix and may add, change or remove features. We aim to keep the Service available but do not promise it will be uninterrupted or error-free, and scheduled refreshes, connections and AI features can be delayed or unavailable.

Suspension and termination

You can stop using the Service and delete your account at any time. We may suspend or end your access if you break these terms, if your use creates a risk for other users, Invix or its providers, or if we stop offering the Service; where reasonable we will tell you first and give you a chance to export your data. Sections that by their nature should survive termination, including disclaimers and limitation of liability, do.

Invix's rights

The Service, its software, design, methods and content (other than your data and third-party data) belong to Invix and its licensors. We give you a personal, non-exclusive, non-transferable right to use the Service under these terms. If you send us feedback or suggestions, we may use them without obligation to you.

Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE FULLEST EXTENT THE LAW ALLOWS, INVIX DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. YOU ARE RESPONSIBLE FOR YOUR INVESTMENT, TAX AND FINANCIAL DECISIONS.

Limitation of liability

TO THE FULLEST EXTENT THE LAW ALLOWS, INVIX WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY TRADING OR INVESTMENT LOSSES, LOST PROFITS OR LOST DATA, ARISING FROM YOUR USE OF THE SERVICE. INVIX'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID INVIX IN THE 12 MONTHS BEFORE THE CLAIM AND US$50. SOME STATES DO NOT ALLOW THESE LIMITS, SO THEY MAY NOT ALL APPLY TO YOU.

Indemnity

You agree to defend and indemnify Invix against claims by third parties arising from your breach of these terms or your misuse of the Service, to the extent the law allows.

Changes to these terms

The date at the top shows when these terms last changed. If we make a material change, we will tell you in Invix or by email before it takes effect and ask you to accept the new version; if you don't accept, you can stop using the Service and delete your account. Other changes take effect when posted.

General

These terms and the Privacy Policy are the whole agreement between you and Invix about the Service. If part of them is unenforceable, the rest still applies. Our not enforcing a term is not a waiver. You may not transfer these terms; we may transfer them as part of a merger or sale of the business. Neither side is responsible for delays caused by events beyond its reasonable control.

Contact

Write to contact@invix-ai.com. If you have a problem with Invix, please contact us first so we can try to resolve it.