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Portfolio Lab by alphaAI Capital Management LLC
Effective date: May 14, 2026
Welcome to Portfolio Lab, a product of alphaAI Capital Management LLC, a California limited liability company (“alphaAI,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of Portfolio Lab, including the website at portfoliolab.ai, the Portfolio Lab application, and all related services (collectively, the “Service”).
PLEASE READ THESE TERMS CAREFULLY. THEY INCLUDE A BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER (SECTION 17) THAT AFFECT YOUR LEGAL RIGHTS, A LIMITATION OF ALPHAAI’S LIABILITY TO YOU (SECTION 14), AND A ONE-YEAR LIMIT ON THE TIME TO BRING CLAIMS (SECTION 17.7). PORTFOLIO LAB SUBSCRIPTIONS AUTOMATICALLY RENEW UNTIL CANCELED (SECTION 5).
By accessing the Portfolio Lab website, creating an account, or using the Service in any way, you agree to these Terms and our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, do not access or use the Service.
You accept these Terms by checking the acceptance box and clicking the submit or sign-up button during account creation, or by otherwise accessing or using the Service. Your electronic acceptance has the same legal effect as a handwritten signature under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and applicable state electronic transaction laws. We maintain a record of your acceptance, including the version of these Terms accepted and the date and time of acceptance.
You must be at least 18 years old and have the legal capacity to enter into contracts to use the Service. The Service is operated by a company based in the United States and is designed for the US market. If you access the Service from outside the United States, you do so on your own initiative and are solely responsible for compliance with applicable local laws and regulations. By using the Service, you represent and warrant that you meet these requirements.
Portfolio Lab is an AI-powered strategy building and simulation tool that allows users to select assets, build strategies, simulate strategy execution through paper trading, and receive briefings and analytics. The specific features, asset universe, usage limits, and other characteristics of the Service depend on your subscription tier and may change from time to time. Current product details are described on the Service.
Portfolio Lab does not execute real-money trades, manage real assets, or provide personalized investment advice. Your use of Portfolio Lab does not create an investment advisory relationship, fiduciary relationship, or client relationship of any kind between you and alphaAI. No advisory agreement is entered into by subscribing to or using Portfolio Lab. alphaAI’s registration as an investment adviser with the U.S. Securities and Exchange Commission applies to its separately offered managed portfolio services, not to Portfolio Lab. See Section 8 (No Investment Advice) for additional disclosures.
To use the Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately at support@portfoliolab.ai of any unauthorized use or security breach.
Each person may maintain only one Portfolio Lab account. Creating multiple accounts to circumvent usage limits, obtain additional free Builds, or for any other purpose is prohibited and may result in termination of all associated accounts.
Portfolio Lab offers a free tier (Explorer) and paid tiers (Analyst and Quant). Features, asset access, and usage limits vary by tier and are described on the pricing page at portfoliolab.ai. We may modify tiers, features, and pricing from time to time as described in this Section 5.
Paid subscriptions are billed monthly or annually, as selected at the time of purchase. Subscription fees are charged in advance for the upcoming billing period. Payments are processed by Stripe, Inc. By subscribing, you authorize alphaAI and Stripe to charge your payment method for the recurring subscription fee and any applicable taxes.
Prices do not include applicable taxes. Where required by law, sales tax, value-added tax, or other taxes will be added at checkout and charged to your payment method along with the subscription fee.
YOUR SUBSCRIPTION AUTOMATICALLY RENEWS AT THE END OF EACH BILLING PERIOD (MONTHLY OR ANNUAL, AS YOU SELECTED) UNTIL YOU CANCEL. ALPHAAI WILL CHARGE YOUR PAYMENT METHOD THE THEN-CURRENT SUBSCRIPTION FEE, PLUS APPLICABLE TAXES, AT THE START OF EACH NEW BILLING PERIOD. YOU CAN CANCEL AT ANY TIME THROUGH YOUR ACCOUNT SETTINGS, AS DESCRIBED IN SECTION 5.5 BELOW.
We may change subscription prices from time to time. We will provide at least thirty (30) days’ prior notice of any price increase by email or in-app notification. Price changes apply at the start of your next billing period following the notice period. If you do not agree to the new price, you may cancel your subscription before the new price takes effect, as described in Section 5.5.
You may cancel your subscription at any time through your account settings in the Portfolio Lab application. Cancellation takes effect at the end of your current billing period. You retain full access to your paid-tier features through the end of the period you have paid for. After that, your account reverts to the Explorer (free) tier. Your most recent Builds and account data are preserved, subject to Explorer-tier limits and our data retention practices described in the Privacy Policy.
Cancellation is available online through the same channel you used to subscribe; you are not required to call, email, or take any additional action beyond using the cancellation option in your account settings.
Subscription fees are non-refundable. If you cancel your subscription, you will retain access to paid-tier features through the end of the current billing period for which you have paid, but we do not refund fees previously paid for the current or any prior billing period. We do not pro-rate fees for partial periods. This no-refund policy does not limit any non-waivable rights you may have under applicable law.
You agree not to:
The Service, including all software, algorithms, AI models, designs, text, graphics, logos, trademarks, and other content, is owned by or licensed to alphaAI and is protected by copyright, trademark, patent, trade secret, and other intellectual property laws. Subject to your compliance with these Terms, alphaAI grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your personal, non-commercial purposes. All rights not expressly granted in these Terms are reserved by alphaAI.
Strategies generated by the Service are produced using our proprietary AI models and optimization algorithms. While you may use the strategy results for your own personal investment decisions, the underlying models, algorithms, parameters, and methodology remain our intellectual property. You may not reproduce, distribute, sell, or commercially exploit the strategy outputs or any derivative works based on them, or use them to train any competing product or model.
If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, non-exclusive, royalty-free, worldwide, sublicensable license to use, modify, and incorporate that feedback into the Service without obligation to you. Feedback is provided on a non-confidential basis.
Portfolio Lab is a strategy building and simulation tool offered as a software subscription. It does not provide personalized investment advice, recommendations, or solicitations to buy or sell any securities. Your use of Portfolio Lab does not create an advisory, fiduciary, or client relationship between you and alphaAI.
All strategies generated by the Service are based on AI models and historical data analysis. Strategy results, including backtested performance metrics, are simulated and hypothetical. They do not represent actual trading and do not guarantee future results.
You acknowledge and agree that:
alphaAI is an investment adviser registered with the U.S. Securities and Exchange Commission. This registration does not extend to any other jurisdiction. The Service is not registered, licensed, authorized, or regulated by any financial regulatory authority outside the United States. Nothing in the Service constitutes an offer or solicitation to provide investment advisory services in any jurisdiction where such offer or solicitation would be unlawful.
alphaAI separately offers managed portfolio services (“alphaAI Capital”) for users who wish to deploy strategies with real money. alphaAI Capital is a distinct service governed by its own investment advisory agreement, terms of use, disclosures, and regulatory requirements. Subscribing to Portfolio Lab does not enroll you in alphaAI Capital. No advisory relationship exists unless you independently sign up for alphaAI Capital and execute a separate investment advisory agreement. Portfolio Lab and alphaAI Capital have independent billing, and subscribing to one does not obligate you to subscribe to the other.
The Paper Portfolio feature uses Alpaca Securities LLC’s paper trading API to simulate strategy execution with real market data and virtual money. You acknowledge that:
Portfolio Lab may offer community features such as leaderboards, trending assets, popular Builds, and personalized performance insights. By using the Service, you acknowledge and agree that:
The Service integrates with services provided by third parties, including Stripe, Inc. (payments), Alpaca Securities LLC (paper trading), and others. Your use of these third-party services is governed by their respective terms of service and privacy policies, which we encourage you to review. We do not guarantee, and are not responsible for, the availability, accuracy, performance, or security of third-party services. We are not liable for any acts, omissions, errors, outages, or other failures of third-party services. References to third-party services on the Service do not constitute an endorsement of those services.
You may stop using the Service at any time and may cancel a paid subscription at any time as described in Section 5.5.
We may suspend or terminate your access to the Service, in whole or in part, at any time and without prior notice if we believe, in our reasonable judgment, that you have violated these Terms, engaged in fraud or unlawful activity, created risk for us or other users, or if termination is required by law or regulation. We may also terminate or suspend the Service or any feature at any time for any other reason with reasonable prior notice. Upon termination, your right to access the Service ceases immediately. We may delete your account data after a reasonable retention period as described in our Privacy Policy, except where retention is required by law.
The following sections survive termination of these Terms: 5 (with respect to fees accrued through the termination date), 6, 7, 8, 11, 13, 14, 15, 16, 17, and 19.
THE SERVICE AND ALL CONTENT, STRATEGIES, RESULTS, AND MATERIALS PROVIDED THROUGH OR IN CONNECTION WITH THE SERVICE ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ALPHAAI DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT ANY STRATEGY, BACKTEST RESULT, PERFORMANCE METRIC, COMMUNITY DATA, OR OTHER CONTENT PROVIDED THROUGH THE SERVICE IS ACCURATE, COMPLETE, RELIABLE, OR SUITABLE FOR YOUR PURPOSES. ALL STRATEGIES AND RESULTS ARE GENERATED BY AI MODELS AND ARE HYPOTHETICAL AND SIMULATED.
WE MAKE NO REPRESENTATION THAT THE SERVICE IS APPROPRIATE OR AVAILABLE FOR USE IN ANY JURISDICTION OUTSIDE THE UNITED STATES. THE ASSET UNIVERSE, MARKET DATA, AND TRADING SIMULATIONS ARE BASED ON US-LISTED SECURITIES AND US MARKET CONDITIONS.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In that case, our warranties are limited to the minimum extent permitted by applicable law.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ALPHAAI, ITS AFFILIATES, OR ITS OR THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, INVESTMENT RETURNS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS, YOUR USE OF OR INABILITY TO USE THE SERVICE, ANY STRATEGY, RESULT, OR INVESTMENT DECISION, OR ANY THIRD-PARTY SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE, REGARDLESS OF LEGAL THEORY, WILL NOT EXCEED THE TOTAL SUBSCRIPTION FEES YOU PAID TO ALPHAAI FOR THE SERVICE IN THE SIX MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, our liability is limited to the minimum extent permitted by applicable law.
You expressly acknowledge and agree that:
To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless alphaAI and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in connection with: (a) your breach of these Terms; (b) your violation of any applicable law or regulation; (c) your infringement or violation of the rights of any third party, including intellectual property rights; or (d) your willful misconduct. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense.
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND ALPHAAI TO RESOLVE MOST DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT, AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR JURY TRIAL.
Before initiating any formal proceeding, you and alphaAI agree to attempt to resolve any dispute informally. The party raising the dispute will send a written notice to the other party describing the nature and basis of the dispute and the relief sought. Notice to alphaAI must be sent to support@portfoliolab.ai. Notice to you will be sent to the email address on file for your account. The parties will then attempt in good faith to resolve the dispute through informal discussion for at least thirty (30) days before initiating arbitration or any other proceeding.
Except as set forth in Section 17.5, you and alphaAI agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or any other matter between you and alphaAI (each, a “Dispute”) will be resolved exclusively through final and binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, as modified by this section. The Consumer Arbitration Rules are available at adr.org.
The arbitration will be conducted by a single arbitrator. The seat of arbitration is the State of California. The arbitrator may conduct hearings in person, by videoconference, by telephone, or based on written submissions, as the arbitrator determines appropriate under the AAA Consumer Arbitration Rules. The arbitrator has exclusive authority to resolve any Dispute, including any question regarding the existence, scope, or enforceability of this arbitration agreement, except that a court has authority to decide whether a Dispute is within the scope of the carve-outs in Section 17.5. The arbitrator’s award is final and binding and may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.
YOU AND ALPHAAI EACH AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. IF THIS WAIVER IS FOUND TO BE UNENFORCEABLE WITH RESPECT TO A PARTICULAR CLAIM OR REQUEST FOR RELIEF, THEN THAT CLAIM OR REQUEST FOR RELIEF, AND ONLY THAT CLAIM OR REQUEST FOR RELIEF, WILL BE SEVERED FROM THE ARBITRATION AND BROUGHT IN COURT, AND ALL OTHER CLAIMS WILL PROCEED IN ARBITRATION.
You may opt out of the arbitration agreement and class action waiver in Sections 17.2 and 17.3 by sending written notice to support@portfoliolab.ai within thirty (30) days after first accepting these Terms. Your notice must include your full name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provision of these Terms or your ability to use the Service.
Notwithstanding the foregoing, either party may: (a) bring an individual action in small claims court, provided the matter remains in that court and is brought on an individual (non-class, non-representative) basis; (b) seek injunctive or other equitable relief in a court of competent jurisdiction to prevent or stop the actual or threatened infringement, misappropriation, or violation of intellectual property rights or confidentiality obligations; and (c) bring an action to compel arbitration or to enforce an arbitration award.
These Terms and any Dispute are governed by the laws of the State of California, without regard to its conflict-of-laws principles, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement in this Section 17. For any Dispute not subject to arbitration, you and alphaAI consent to the exclusive jurisdiction and venue of the state and federal courts located in the State of California, and waive any objection to those courts based on inconvenient forum or otherwise.
ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE MUST BE FILED WITHIN ONE (1) YEAR AFTER THE CLAIM ACCRUED. IF NOT FILED WITHIN THAT PERIOD, THE CLAIM IS PERMANENTLY BARRED. THIS LIMITATION DOES NOT APPLY TO ANY CLAIM THAT CANNOT, AS A MATTER OF LAW, BE SHORTENED BY AGREEMENT.
Neither party will be liable for any delay or failure to perform under these Terms (other than payment obligations) caused by events beyond reasonable control, including acts of God, natural disasters, fires, floods, earthquakes, severe weather, pandemics or public health emergencies, war, terrorism, civil unrest, government actions or orders, embargoes, sanctions, labor disputes, internet, telecommunications, or utility outages, cyberattacks, denial-of-service attacks, failures of third-party services or infrastructure, market disruptions, or other events that could not have been prevented through reasonable diligence.
We may modify these Terms from time to time. If we make changes, we will update the effective date at the top of these Terms and notify you by posting the revised Terms on the Service and, for material changes, by email or in-app notification at least thirty (30) days before the changes take effect. Your continued access to or use of the Service after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service. We will not apply material changes retroactively to disputes arising before the effective date of the change.
These Terms, together with our Privacy Policy and any other documents expressly incorporated by reference, constitute the entire agreement between you and alphaAI with respect to the Service and supersede all prior or contemporaneous agreements, communications, and understandings, whether written or oral, on that subject.
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect, and the invalid, illegal, or unenforceable provision will be modified to the minimum extent necessary to make it enforceable while preserving the parties’ intent. The class action waiver in Section 17.3 is subject to the specific severability rule set forth in that section.
Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of alphaAI to be effective.
You may not assign or transfer these Terms or any of your rights or obligations under them, by operation of law or otherwise, without our prior written consent. Any attempted assignment in violation of this section is void. We may assign these Terms and our rights and obligations under them, in whole or in part, without your consent, including in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law.
We may give you notices under these Terms by email to the address on file for your account, by posting to the Service, or by any other reasonable means. You must send notices to alphaAI to support@portfoliolab.ai, except where a different address is specified for a particular type of notice.
Nothing in these Terms creates a partnership, joint venture, agency, franchise, or employment relationship between you and alphaAI. Neither party has the authority to bind the other or to incur any obligation on the other’s behalf, except as expressly provided in these Terms.
These Terms are for the sole benefit of you and alphaAI and our respective successors and permitted assigns. No other person or entity has any right or remedy under these Terms.
The headings in these Terms are for convenience only and do not affect interpretation. Words such as “including” and “for example” are illustrative, not exhaustive. No presumption against the drafter applies.
These Terms may be accepted in counterparts, including by electronic means. Your electronic acceptance of these Terms through the Service, including by checking an acceptance box and submitting the onboarding flow, has the same legal effect as a handwritten signature under the federal E-SIGN Act and applicable state electronic transaction laws.
If you have questions about these Terms or the Service, contact us at:
Portfolio Lab by alphaAI Capital Management LLC
Email: support@portfoliolab.ai
Web: https://portfoliolab.ai
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