Terms of Service

Welcome to InvestIQ. These Terms of Service ("Terms") govern your use of the InvestIQ platform ("Service"), operated by Krushil, LLC ("we," "us," or "our"). By accessing or using our Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account or using InvestIQ, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Service.

2. Description of Service

InvestIQ is a family investment tracking and portfolio management platform that provides:

• Portfolio tracking and management tools
• Goal-based investment planning
• AI-powered investment analysis and recommendations
• Educational content about investing
• Family account management features

3. Important Investment Disclaimer

We are not registered investment advisors, broker-dealers, or financial planners. You should consult with qualified financial professionals before making any investment decisions. Past performance does not guarantee future results. All investments involve risk, including the potential loss of principal.

4. User Accounts

To use certain features of our Service, you must create an account. You agree to:

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

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with the proper operation of the Service
• Share your account credentials with others
• Use automated systems to access the Service without permission
• Misrepresent your identity or affiliation

6. AI-Generated Content

Our Service uses artificial intelligence to provide analysis and recommendations. You acknowledge that:

• AI-generated content may contain errors or inaccuracies
• AI recommendations are not personalized financial advice
• You are solely responsible for your investment decisions
• AI analysis is based on historical data and may not predict future performance

7. Intellectual Property

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

8. Limitation of Liability

To the maximum extent permitted by law, Krushil, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or anticipated savings
• Loss of data or business interruption
• Investment losses or financial damages
• Any damages arising from your use of AI-generated recommendations

9. Indemnification

You agree to indemnify and hold harmless Krushil, LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of the Service or violation of these Terms.

10. Termination

We may terminate or suspend your account and access to the Service at our sole discretion, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting a notice on our Service. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

13. Contact Us

If you have any questions about these Terms, please contact us at:

Krushil, LLC
Email: legal@ai-investiq.com