AI Investor

Terms of service

Last updated 26 September 2026. These terms apply from that date.

These terms are the contract between you and us for AI Investor. Please read them. The short version is: this is a portfolio tracker and an AI research notebook. It is not a broker, not an adviser, and not a personal recommendation. You decide what to do with your money.

1. Who we are

Urban Pilgrim Analytics Pte. Ltd. (UEN 202643609W), a company incorporated in Singapore ("we", "us"), operates AI Investor at ai-investor.com. The registered address is 60 Paya Lebar Road, #06-28, Paya Lebar Square, Singapore 409051. Contact: [email protected].

2. Agreement

By creating an account, ticking the acceptance box, starting a subscription, or continuing to use the service after this version is posted, you agree to these terms and to the Privacy Policy. If you do not agree, do not use the service.

We may change these terms by posting a new version on this page with a new date. If you have an account email and the change is material, we will email you before it applies. If you do not agree, cancel any subscription before the next renewal and stop using the service. Continued use after the new date is acceptance, except where the law says we need a clearer "yes".

The public book pages and the separate Gumroad checkout for the book are described where they differ. A purchase on Gumroad is a contract with Gumroad under Gumroad's terms, for that digital book.

3. The service

AI Investor lets you record portfolios and transactions, look at market data and screens, keep a watchlist, and use AI chat about portfolios and securities. Some tools, including a tax worksheet, produce figures from data you enter. Optional paid features are described at checkout. We may later charge for features that are free today, or include more features in a paid plan. During a period you have already paid for, we will not remove a feature of that plan except for security, law, or loss of a data supplier.

We do not hold your money or your securities, we do not place or route orders, and we do not custody assets. Charts, ratios, and screens are calculations and displays, not instructions.

4. Not advice, and no duty of care as an adviser

The service is general information, software, and unreviewed model output. It is not financial advice, investment advice, tax advice, legal advice, or a personal recommendation. It is not an offer or a solicitation to buy or sell any security. Nothing on the site, including chat, screens, example lists, or a performance chart, takes account of your objectives, finances, or tax position.

We do not owe you the duties of a broker, investment adviser, financial adviser, tax adviser, or portfolio manager. No fiduciary relationship, advisory relationship, or client relationship is created because you have an account, pay a fee, or receive a reply.

You are solely responsible for your decisions. Consider a qualified professional before you act. You can lose money. Past performance, including any chart against an index and any yearly list on the book or cover pages, is not a reliable indicator of future results.

Damon Lee may own securities that appear in public examples or book lists. That holding is not a recommendation that you buy, hold, or sell them.

Tax figures in the app are a worksheet. They are not a return, not a filing position, and not tax advice. Share matching and local rules may differ from what the screen shows.

5. Eligibility

You must be at least 18, and old enough to form a binding contract where you live. You must not use the service if the law where you live forbids you from using this kind of information service, or if you are on a UK, US, EU, or UN sanctions list, or located in a territory subject to comprehensive sanctions. You are responsible for complying with the laws that apply to you.

6. Accounts

Registration requires a username, email, password, confirmation that you are 18 or older, and acceptance of these terms and the Privacy Policy. Keep the password confidential. You are responsible for activity under the account until you tell us it is compromised and we have had a reasonable time to act. Tell us promptly at [email protected].

Give us accurate account information. One person per account. Do not share a paid account. We may refuse, reclaim, or close a registration that is false, duplicated, or used to get around a limit or a ban.

7. Your content

You keep ownership of the portfolios, files, and prompts you submit. You give us a worldwide licence to host, copy, process, and display that material only so we can provide, secure, and support the service, including sending a chat and a holdings snapshot to a model provider when you use chat. The licence ends when the material is deleted from our systems, except for backups that age out and for records we must keep.

You confirm that you have the rights needed to upload what you upload, that it does not infringe anyone else's rights, and that you will not upload malware or another person's private data unless you have authority. We may remove material that breaches these terms.

8. AI chat

Replies are generated. They can be wrong, incomplete, out of date, biased, or invented, including invented figures and sources. They are not checked by an analyst before you see them. Similar prompts can produce different answers. You must not rely on a reply as a fact, a price, a filing, or a recommendation, and you must not present a reply as our personal advice to someone else.

Do not send secrets you are not allowed to share. Broker-statement files are processed on systems we operate and are not sent to xAI. Chat text may be sent to xAI or to a model we operate, as described in the Privacy Policy.

We may limit how much chat you can run, change models, and refuse a prompt. Paid access does not guarantee a particular model, speed, or accuracy.

9. Market data

Prices, fundamentals, logos, and similar data come from third parties, including EODHD and the exchanges or vendors behind them. Data can be delayed, wrong, missing, or adjusted in ways that surprise you. It is not a real-time trading feed and it is not suitable as the basis for an order. You receive a personal, non-transferable, revocable right to view it inside the service. You may not redistribute, resell, or build a competing data product from it. Those third parties' rights remain theirs.

10. Subscriptions

A paid plan is optional until we say a feature requires it. The checkout page states the price, the billing period, and what that plan includes at that time. Stripe takes the payment. By subscribing you also agree to Stripe's terms for the payment processing.

Plans renew automatically at the end of each period until you cancel. You authorise Stripe to charge the payment method on file for each renewal, plus tax Stripe is required to collect. The price shown may exclude tax. Where the law requires, tax can be added at checkout or on renewal.

We may change the price or the set of paid features for a later period. We will tell you by email or in the product before that period starts. If you do not want the new price, cancel before the renewal. The renewal charge is acceptance of the price then in force.

If a payment fails we may suspend the paid features until Stripe collects the amount due. If you dispute a charge without contacting us first, we may suspend the account while it is investigated.

11. Cancellation, cooling-off, and refunds

You can cancel renewal in the Stripe customer portal linked from Profile, or by emailing us and we will point you there. Cancellation stops the next renewal. You keep the paid features until the end of the period you have already paid for, unless we close the account for a serious breach.

Singapore law does not give a general 14-day cooling-off right for this kind of digital subscription. If a law in the country where you live gives you a withdrawal right that we cannot take away, that right still applies. Starting the subscription is a request that we supply the paid service immediately. Where that law allows it, you lose the withdrawal right once the service has been fully performed, and if performance has begun you may have to pay a proportionate amount for what you have already received.

If the law does not allow that acknowledgement to end the withdrawal right, email us within 14 days of the charge and we will refund what the law requires. Outside those rights, fees are not refundable and we do not give partial refunds for unused time. Nothing in this section limits a right you have that the law says we cannot exclude.

12. Acceptable use

You will not:

13. Our intellectual property

We and our licensors own the service, the software, the writing, the design, and the selection and arrangement of what the product shows. We give you a personal, non-exclusive, non-transferable, revocable licence to use the service for your own portfolio tracking and research, in line with these terms. We do not assign any intellectual property to you. If you send us feedback, we may use it without payment or duty to you.

14. Availability

The service is provided as available. We do not promise that it will be uninterrupted, error-free, or fit for a particular trade or deadline. We may change, suspend, or withdraw a feature, including because a supplier, a model, or a law changes. Coming-soon and experimental tools may break or disappear.

15. Suspension and ending access

You may stop using the service at any time and you may ask us to delete the account by email. We may suspend or close an account, or refuse a prompt, if you breach these terms, if a payment is reversed, if we reasonably believe the account is being misused, or if we need to do so for security or legal reasons. We will tell you unless the law stops us or the notice would harm an investigation.

Sections that by their nature should continue after the account ends still apply, including sections 4, 7, 8, 9, 11, 13, 16, 17, 18, 19, and 20.

16. Disclaimers

To the fullest extent the law allows, the service, the data, and the AI output are provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that any figure, price, ratio, screen, or sentence is correct or complete.

If you are a consumer, this section does not take away statutory rights that the law says we cannot exclude.

17. Limitation of liability

Nothing in these terms limits or excludes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability the law does not allow us to limit or exclude.

Subject to that, we are not liable for: loss of profits; loss of revenue; loss of goodwill; loss of data; business interruption; the cost of a substitute service; or any trading loss, investment loss, tax, interest, penalty, or missed gain, whether or not we were told it was possible. We are not liable for a decision you or anyone else makes using the service.

Subject to the same carve-out, our total liability arising out of the service in any 12-month period is limited to the greater of (a) the fees you paid us for the service in that period and (b) S$100.

We are not liable for a third-party service we do not control, including an exchange, a data vendor, Stripe, a model provider, a host, or a network, except to the extent the law makes us liable anyway.

18. Indemnity

You will indemnify us against claims, losses, and reasonable legal costs arising from your content, your breach of these terms, or your unlawful use of the service. If you are a consumer, this indemnity applies only to the extent your use was unlawful or you breached these terms, and it does not apply to the extent the claim was caused by our breach or our negligence.

19. Disputes and governing law

Email us first and give us a reasonable chance to put the problem right. These terms are governed by the laws of the Republic of Singapore. The courts of Singapore have exclusive jurisdiction.

If you live outside Singapore and a consumer law there gives you a right we are not allowed to take away, including a right to sue in your local courts, that right still applies. Where Singapore law allows it, a dispute is brought only on an individual basis and not as a class or representative action. That limit does not apply where the law of your country forbids it.

20. Other terms

These terms, together with the Privacy Policy and the plan shown at checkout, are the whole agreement for the service. They replace earlier oral or written statements about the same subject. If a section is held invalid, the rest stays in force. If we do not enforce a right immediately, we can still enforce it later. You may not assign your account. We may assign these terms to a buyer of the service or to a company we use to operate it, and we will tell you if the operator you contract with changes.

A person who is not a party has no right to enforce these terms under the Contracts (Rights of Third Parties) Act 2001 of Singapore, except a business that takes the service over under this section.

Questions: [email protected].