Terms governing your use of Investfly software and services
Last Updated: August 4, 2026
These Terms of Service ("Terms") are a binding agreement between you and Finverse LLC d/b/a Investfly ("Investfly," "we," "us," or "our"). They govern the Investfly websites, applications, APIs, documentation, strategy-development tools, backtesting and simulation tools, automation services, broker connections, community features, and related services (collectively, the "Services"). By selecting an acceptance control, creating an account, purchasing a subscription, or using the Services, you agree to these Terms and acknowledge our Privacy Policy and Cookie Policy. If you do not agree, do not use the Services.
You must be at least 18 years old, legally capable of entering a contract, and permitted to use the Services under applicable law and the rules of every connected provider. The Services are offered from the United States and may not be available in every location. You must provide accurate account information, keep credentials and authentication devices secure, and promptly notify us of suspected unauthorized access. You are responsible for activity under your account except to the extent caused by Investfly's breach of these Terms or applicable law.
You consent to receive routine contractual, account, billing, security, provider, and service communications electronically at the email address associated with your account or through the Services. You must keep that address current. Where applicable law requires a separate consent, paper-delivery option, or other procedure for a particular electronic record, that procedure will control.
Investfly provides infrastructure and tooling that helps users create, test, host, monitor, and operate user-authored strategies. Investfly is not a registered investment adviser, robo-adviser, broker-dealer, exchange, custodian, tax adviser, law firm, or fiduciary. Investfly does not provide personalized investment, trading, legal, or tax advice; manage pooled capital; maintain a house security-selection policy; provide a ranked buy list; or select replacement trades for users.
Information, examples, templates, metrics, documentation, and community content are provided to explain software features. They are not recommendations, endorsements, suitability determinations, or invitations to buy, sell, or hold any security or other instrument. You are responsible for deciding whether and how to use the Services and should consult appropriately licensed professionals about your circumstances.
You choose or adopt the strategy logic, securities or universe, direction, allocation, sizing, timing, risk controls, provider account, and deployment settings used by your account. Each strategy version may operate only on an account that its owner has connected and authorized. Cloning or customizing content creates a separate strategy under the receiving user's control; it does not transfer another person's authority over the account.
When you enable a live strategy or other trading action, you authorize the Services to evaluate the adopted rules and data and, when those rules are satisfied, electronically transmit order instructions through the connected broker or other provider without asking you for contemporaneous confirmation. Investfly supplies the software that generates and transmits those instructions; the connected provider decides whether to accept, route, reject, cancel, or execute an order. Investfly does not custody assets, guarantee execution, or control execution price. Disabling a strategy or disconnecting an account may not cancel instructions already transmitted. For urgent control, use the connected provider's own tools and contact that provider directly.
Live launch and continued availability are subject to account eligibility, jurisdiction, provider policy, market-data rights, and any legal or regulatory approvals required for the particular feature.
The template library contains illustrative software configurations authored by Investfly or identified community contributors. Templates may contain example symbols, rules, or parameters only to demonstrate the software. They are not ranked by Investfly as suitable or preferable and are not investment recommendations. Before testing or use, you must review and affirmatively customize or adopt every material rule, security, allocation, size, risk control, and account authorization.
Community contributors, not Investfly, are responsible for their content. Investfly does not verify the identity, expertise, accuracy, legality, or performance claims of contributors. If you publish or share content, you retain ownership of your content and grant Investfly a worldwide, non-exclusive, royalty-free license to host, copy, format, display, distribute, and make it available for cloning as needed to operate and promote the Services. You represent that you have the necessary rights and that the content complies with these Terms. Investfly may label, moderate, remove, or restrict content, but has no duty to monitor all content.
The Services may allow you to upload or write code, prompts, rules, data, or other instructions ("Customer Content") and may execute that content in Investfly or provider environments. You are responsible for testing Customer Content, dependencies, permissions, data use, and outputs. Code can contain errors, consume resources, expose information, stop running, or cause unintended orders and losses. You may not submit malware, evade safeguards, access another user's data, mine cryptocurrency, disrupt the Services, or use code in violation of law or third-party rights.
AI-assisted features, if made available, may help translate or draft user instructions but can be inaccurate or incomplete. An AI output does not become authorized for live use until you review and adopt the resulting strategy version and authorize an eligible account. Investfly will not silently replace an adopted strategy or security selection with an Investfly-selected trade. Provider-specific data practices are described in the Privacy Policy and any feature notice shown when the AI feature is used.
Features identified as beta, preview, experimental, early access, or similar are still under development and may be changed, suspended, or discontinued without notice. They may be less reliable, contain defects, produce incomplete or incorrect output, or lose data. Unless a feature notice expressly permits live use, do not rely on a pre-release feature to monitor or control a live account.
Backtests, performance summaries, win rates, drawdowns, and virtual portfolios are hypothetical or simulated. They reflect selected historical data, assumptions, parameters, and software behavior; may be affected by data selection, survivorship or look-ahead bias, overfitting, and calculation errors; may omit or simplify fees, spreads, slippage, liquidity, taxes, borrow availability, market impact, corporate actions, latency, rejected orders, and other constraints; and do not represent actual trading or predict future results. Data may be delayed, incomplete, adjusted, inaccurate, inconsistent across features or providers, or unavailable. You must independently verify material information and must not present hypothetical results as actual results.
Brokerage, payment, market-data, cloud, communications, analytics, AI, and other third-party products are operated by independent providers under their own agreements and privacy notices. You authorize Investfly to exchange the information and instructions reasonably necessary to provide the feature you request. You are responsible for maintaining eligible provider accounts, permissions, subscriptions, and market-data licenses and for all provider fees, margin requirements, trading restrictions, and account obligations.
Provider names and integrations do not imply sponsorship, endorsement, or guaranteed compatibility. A provider may change an API, data entitlement, supported instrument, account type, or policy; delay, modify, reject, or fail to receive an instruction; impose limits; or suspend service. Investfly may modify or discontinue an integration when necessary. You must independently confirm through the provider's own interface that instructions were received and orders, cancellations, positions, balances, and account status are correct. You remain responsible for managing open positions through the provider if an integration, strategy, alert, or Investfly service is delayed, unavailable, or incorrect.
Nothing in these Terms grants you ownership of provider data or rights beyond the applicable provider or exchange license. Unless that license expressly permits it, you may not redistribute, resell, publicly display, bulk download, sublicense, or use market data to create an index, benchmark, financial product, or competing data service. You must accurately complete entitlement questionnaires and promptly update information affecting professional or non-professional status. A provider may audit use or require Investfly to restrict or terminate access.
Links to third-party websites and services are provided for convenience. Investfly does not control or endorse them and is not responsible for their content, security, availability, transactions, or data practices. Your use is governed by the third party's terms and policies.
Paid plans, billing periods, prices, included limits, trial terms, taxes, and any promotional conditions are displayed before purchase and form part of these Terms. When an enrollment screen states that a trial or subscription renews automatically, you authorize the disclosed recurring charge to your selected payment method until you cancel. Plan changes, prorations, and cancellation timing are governed by the confirmation displayed in the account interface or checkout flow.
You may cancel or downgrade through the available account controls or by contacting support@investfly.com. To avoid the next charge, complete cancellation before the renewal date shown in your account or payment receipt. Except where the purchase screen states otherwise or applicable law requires, charges already incurred are non-refundable and partial billing periods are not credited. Investfly may issue a refund or credit at its discretion without creating an obligation to do so in other cases. If payment fails, we may retry the charge, restrict paid features, or downgrade or suspend the account after any notice required by law.
Participation in an Investfly affiliate or referral program is subject to these Terms and the current eligibility, attribution, qualification, payout, reversal, and tax terms shown in the affiliate dashboard or program materials. Commissions are earned only for verified qualifying activity and may be withheld or reversed for refunds, chargebacks, duplicate or self-referrals, fraud, prohibited advertising, or violation of these Terms. Affiliates must clearly disclose their material connection to Investfly and may not make unapproved investment-performance, profitability, regulatory-status, or product claims. We may change or end a program prospectively, subject to applicable law and accrued valid obligations.
You may not use the Services to violate law, sanctions, exchange or provider rules, intellectual-property or privacy rights, or market-manipulation prohibitions; misrepresent identity or results; share access credentials; access or scrape the Services through unauthorized means; bypass usage or security controls; reverse engineer except where law permits; or interfere with another user's access. You are responsible for determining whether your use, trading activity, communications, and distribution of strategies require a license, registration, disclosure, consent, or other approval.
The Services may be subject to United States export-control and economic-sanctions laws. You represent that you are not prohibited from receiving the Services and will not export, re-export, release, provide, or use the Services, software, technology, or data in violation of those laws or for a prohibited end use or sanctioned person, entity, territory, or jurisdiction.
Investfly and its licensors own the Services, software, documentation, branding, and related intellectual property. Subject to these Terms and payment of applicable fees, Investfly grants you a limited, revocable, non-exclusive, non-transferable license to use the Services for your own authorized purposes. Except for the operational license in Section 5, you retain ownership of Customer Content. You grant Investfly the rights needed to host, process, transmit, execute, back up, and display Customer Content to provide, secure, support, and improve the Services. Feedback is non-confidential and may be used without restriction or compensation.
Investfly respects intellectual-property rights and may remove content and suspend or terminate repeat infringers when appropriate. A copyright complaint sent to admin@investfly.com should identify the protected work and disputed material, provide information sufficient to locate the material and contact the complainant, include a good-faith statement that the use is unauthorized, state under penalty of perjury that the notice is accurate and the complainant is authorized to act, and include a physical or electronic signature. Investfly may request additional information before acting.
Our Privacy Policy explains how we collect, use, disclose, retain, and delete personal data, including connected-account data, strategy code, prompts, execution logs, and referral information. The Cookie Policy describes website cookies and similar technologies.
Trading can result in substantial loss, including loss exceeding deposited funds where leverage or margin is used. Automated systems can repeat an error quickly. Risks include inaccurate or stale data, coding and configuration errors, duplicate or missed events, unavailable liquidity, volatility, gaps, partial fills, rejected orders, provider outages, network latency, credential expiration, corporate actions, unsupported order types, and failures to stop or cancel. You are responsible for monitoring strategies and provider accounts and maintaining independent safeguards appropriate for your activity.
Options, futures, foreign exchange, cryptocurrency, short sales, margin, leverage, and other complex or volatile instruments present additional risks and may not be appropriate for every person or account. Depending on the instrument, a position may expire worthless, be exercised or assigned, be difficult to close, or create obligations and losses exceeding the amount invested. You are responsible for understanding each instrument and reviewing all broker, exchange, and regulatory risk disclosures before authorizing activity.
AS IS; AS AVAILABLE; WITH ALL FAULTS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES, SITE, SOFTWARE, TEMPLATES, COMMUNITY CONTENT, MARKET DATA, ANALYTICS, BACKTESTS, ALERTS, ARTIFICIAL-INTELLIGENCE FEATURES, ORDER-TRANSMISSION FUNCTIONS, AND ALL OTHER CONTENT AND FUNCTIONALITY ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS." INVESTFLY, ITS AFFILIATES, AND THEIR SUPPLIERS AND LICENSORS DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. INVESTFLY DOES NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR BE UNINTERRUPTED, TIMELY, SECURE, COMPATIBLE, OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT DATA OR OUTPUT WILL BE ACCURATE, CURRENT, COMPLETE, OR AVAILABLE; OR THAT ANY ALERT, INSTRUCTION, OR ORDER WILL BE GENERATED, TRANSMITTED, RECEIVED, ACCEPTED, CANCELED, OR EXECUTED.
NO GUARANTEE OF RESULTS. INVESTFLY MAKES NO REPRESENTATION OR WARRANTY THAT ANY ACTUAL OR HYPOTHETICAL STRATEGY, TEMPLATE, CONFIGURATION, CODE, BACKTEST, OR USE OF THE SERVICES WILL PRODUCE A PROFIT, AVOID A LOSS, ACHIEVE ANY PARTICULAR RESULT, OR PERFORM IN ANY PREDICTABLE MANNER. HYPOTHETICAL AND PAST RESULTS DO NOT REPRESENT ACTUAL TRADING AND ARE NOT GUARANTEES OR RELIABLE INDICATORS OF FUTURE RESULTS. TRADING AND INVESTING INVOLVE RISK, INCLUDING THE POSSIBLE LOSS OF ALL AMOUNTS INVESTED AND, WHEN MARGIN, LEVERAGE, SHORT SALES, OPTIONS, FUTURES, OR SIMILAR PRODUCTS ARE USED, LOSSES GREATER THAN THE AMOUNTS DEPOSITED.
ASSUMPTION OF TRADING AND TECHNOLOGY RISK. YOU KNOWINGLY ACCEPT THE RISKS OF TESTING OR USING USER-AUTHORED AUTOMATION, CONNECTING A PROVIDER ACCOUNT, AND AUTHORIZING LIVE ORDER TRANSMISSION. THESE RISKS INCLUDE ERRONEOUS, DUPLICATE, DELAYED, MISSED, REJECTED, PARTIALLY FILLED, OR UNCANCELED ORDERS; AN INABILITY TO OPEN, MODIFY, CLOSE, OR HEDGE A POSITION; AND LOSSES ARISING FROM INACCURATE, STALE, DELAYED, INCOMPLETE, OR UNAVAILABLE MARKET DATA; CALCULATION, CONFIGURATION, MAPPING, OR EXECUTION ERRORS; SOFTWARE DEFECTS, BUGS, OR MALFUNCTIONS; SYSTEM OR NETWORK LATENCY, INTERRUPTION, OR DOWNTIME; CYBERSECURITY EVENTS OR UNAUTHORIZED ACCESS; PROVIDER, BROKER, EXCHANGE, CLOUD, TELECOMMUNICATIONS, OR THIRD-PARTY FAILURES; AND CHANGES TO PROVIDER SERVICES OR POLICIES. YOU ARE RESPONSIBLE FOR MONITORING LIVE ACTIVITY AND MAINTAINING INDEPENDENT RISK CONTROLS APPROPRIATE FOR YOUR USE.
EXCEPT FOR A COMMITMENT EXPRESSLY STATED IN APPLICABLE PURCHASE TERMS OR A SEPARATE WRITTEN AGREEMENT SIGNED BY INVESTFLY, NO SERVICE-LEVEL, UPTIME, RECOVERY, SUPPORT-RESPONSE, MAINTENANCE, OR FEATURE-CONTINUATION COMMITMENT APPLIES.
NO DISCLAIMER IN THESE TERMS EXCLUDES AN EXPRESS WRITTEN WARRANTY OR ANY RIGHT, REMEDY, OR LIABILITY THAT APPLICABLE LAW DOES NOT PERMIT THE PARTIES TO DISCLAIM, WAIVE, OR LIMIT.
EXCLUDED DAMAGES AND TRADING LOSSES. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVESTFLY, ITS AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS WILL NOT BE LIABLE FOR: (A) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; (B) ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS, OR OPPORTUNITY; OR (C) ANY TRADING, INVESTMENT, MARKET, TAX, MARGIN, LIQUIDATION, OR OTHER FINANCIAL LOSS ARISING OUT OF OR RELATING TO THE SERVICES, THESE TERMS, A CONNECTED ACCOUNT, OR AN ORDER OR TRANSACTION, WHETHER OR NOT INVESTFLY WAS ADVISED THAT THE LOSS WAS POSSIBLE.
WITHOUT LIMITING THE FOREGOING, AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INVESTFLY WILL NOT BE LIABLE FOR A LOSS CAUSED IN WHOLE OR IN PART BY ANY MATTER DESCRIBED IN SECTIONS 14 OR 15, INCLUDING INCORRECT OR UNAVAILABLE MARKET DATA, AN ERROR IN A CALCULATION OR OUTPUT, A SOFTWARE DEFECT OR BUG, A PLATFORM MALFUNCTION, SYSTEM DOWNTIME, LATENCY, A SECURITY INCIDENT, OR THE FAILURE OR DELAY OF AN ALERT, INSTRUCTION, CONNECTION, OR ORDER. THESE EXCLUSIONS APPLY REGARDLESS OF WHETHER THE MATTER WAS WITHIN INVESTFLY'S OR A SERVICE PROVIDER'S RESPONSIBILITY OR CONTROL AND REGARDLESS OF THE THEORY OF LIABILITY, INCLUDING CONTRACT, WARRANTY, TORT (INCLUDING INVESTFLY'S OWN ORDINARY NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.
AGGREGATE CAP. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF INVESTFLY, ITS AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, AND LICENSORS FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID INVESTFLY FOR THE SERVICES DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) US$100. MULTIPLE CLAIMS OR EVENTS WILL NOT INCREASE THIS CAP. THE DISCLAIMERS, EXCLUSIONS, AND CAP IN THESE TERMS ARE MATERIAL PARTS OF THE AGREEMENT AND APPLY EVEN IF A LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
THE FOREGOING LIMITATIONS DO NOT APPLY TO INVESTFLY'S FRAUD, WILLFUL MISCONDUCT, OR GROSS NEGLIGENCE, OR TO ANY OTHER LIABILITY THAT CANNOT LAWFULLY BE DISCLAIMED, WAIVED, OR LIMITED. SOME JURISDICTIONS DO NOT ALLOW CERTAIN WARRANTY DISCLAIMERS OR EXCLUSIONS OR LIMITATIONS OF LIABILITY; IN THOSE JURISDICTIONS, THESE PROVISIONS APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED BY LAW AND DO NOT WAIVE NON-WAIVABLE STATUTORY RIGHTS.
To the extent permitted by law, you will defend, indemnify, and hold harmless Investfly, its affiliates, and their officers, directors, employees, agents, suppliers, and licensors from third-party claims, damages, judgments, penalties, liabilities, costs, and reasonable attorneys' fees arising from or relating to (a) your unlawful or unauthorized use of the Services; (b) your Customer Content, strategy code, prompts, instructions, or transactions; (c) your violation of applicable law, provider rules, or another person's rights; or (d) your material breach of these Terms. This obligation does not apply to the extent a claim results from Investfly's gross negligence, willful misconduct, or violation of law, or to the extent applicable law prohibits indemnification. We will provide reasonable notice, allow you to control the defense with qualified counsel, and may participate at our expense. You may not settle a claim in a way that admits fault by or imposes an obligation on Investfly without our written consent.
You may stop using the Services at any time. We may restrict or suspend access when reasonably necessary to address a security threat, legal or provider requirement, payment failure, material breach, or risk to users or the Services. We may terminate an account for material breach after notice and an opportunity to cure when reasonably practicable, or immediately for fraud, unlawful conduct, or an urgent security or market risk.
You are responsible for maintaining independent copies of Customer Content, strategy versions, reports, and records you need. Before closing an account, export available content you wish to keep. The Services are not a system of record, and Investfly has no obligation to retain or recover Customer Content after account closure, expiration of an applicable retention period, or deletion permitted by the Privacy Policy. Account closure does not cancel orders already transmitted or close positions at a provider.
Data handling after closure is described in the Privacy Policy. Sections 3 through 8, 11 through 17, 19, 21, and any payment obligations or provisions that by their nature should survive will survive termination.
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES INDIVIDUAL ARBITRATION OF MOST DISPUTES, LIMITS CLASS OR REPRESENTATIVE PROCEEDINGS, AND AFFECTS THE RIGHT TO A JURY TRIAL. Before filing a claim, either party must send written notice describing the dispute and requested relief and allow 30 days for a good-faith informal resolution. Send notices to the contact information below with the subject "Legal Notice."
Except for an individual claim eligible for small-claims court or a request for temporary or preliminary injunctive relief to protect intellectual property, account security, or confidential information, any dispute arising out of these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association under its then-current Consumer Arbitration Rules. The Federal Arbitration Act governs this arbitration provision. The arbitrator may award the same individual remedies a court could award. Investfly will pay fees allocated to it under the applicable consumer rules.
Arbitration will proceed only on an individual basis. To the extent permitted by law, neither party may bring or participate in a class, collective, consolidated, or representative proceeding. If this class-action waiver is found unenforceable for a particular claim, that claim will proceed in court and not arbitration. You may opt out of arbitration by emailing admin@investfly.com within 30 days after first accepting these Terms, stating your name, account email, and a clear request to opt out.
Arbitration does not use a judge or jury and judicial review of an award is limited. To the maximum extent permitted by law, each party also waives a jury trial for any claim permitted to proceed in court under this section. This waiver does not apply where applicable law makes it unenforceable.
Maryland law governs these Terms without regard to conflict-of-law rules, except that the Federal Arbitration Act governs arbitration. The state and federal courts located in Maryland have exclusive jurisdiction only over claims excluded from arbitration, proceedings to enforce or review an arbitration award, or a finding that this arbitration provision is unenforceable. Each party consents to those courts for those limited purposes. Nothing in this section prevents a party from reporting concerns to a government agency, and any non-waivable right to seek public injunctive relief or another statutory remedy remains available.
We may change the Services and these Terms. If a change materially reduces your rights or increases your obligations, we will provide reasonable advance notice through the Services, email, or another appropriate method, except when an immediate change is needed for law, security, or provider requirements. The updated date appears above. Continued use after the effective date constitutes acceptance; if you do not agree, stop using the Services and cancel before the change takes effect.
These Terms, the purchase terms shown at checkout, and policies incorporated by reference are the entire agreement about the Services. If they conflict, feature-specific or purchase terms control for that feature or purchase. If a provision is unenforceable, it will be modified only as much as necessary and the remainder will continue. A failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; Investfly may assign them in connection with a merger, reorganization, sale of assets, or by operation of law. Neither party is liable for delay caused by events beyond reasonable control, except for payment obligations.
Questions, legal notices, and arbitration opt-outs may be sent to:
Finverse LLC d/b/a Investfly
6129 Watch Chain Way
Columbia, MD 21044
Email: admin@investfly.com