Legal · Terms

Terms of Service

Last updated: May 10, 2026

These Terms of Service (“Terms”) govern your access to and use of the Chippie AI service, including the website at chippieai.com, the dashboard application, and all related features (collectively, the “Service”). The Service is operated by SPXSlayers LLC, a Michigan limited liability company (“we,” “us,” or “Chippie”).

By creating an account, subscribing to a plan, or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Important Chippie AI is a market data and analytics tool. It is not a registered investment adviser, broker-dealer, or financial planner. Nothing in the Service constitutes financial, legal, tax, or investment advice. Options trading involves substantial risk of loss and is not suitable for all investors. See our Risk Disclosure for full detail.

01Eligibility

To use the Service you must (i) be at least 18 years old, (ii) have the legal capacity to enter into a binding contract in your jurisdiction, (iii) not be barred from receiving the Service under the laws of the United States or any other applicable jurisdiction, and (iv) not be a competitor of Chippie or using the Service for benchmarking, scraping, or building a competing product.

02Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized access. We are not liable for any loss or damage arising from your failure to comply with this section.

You may not share your account with any other person, transfer it, or use it on behalf of an organization without entering into a separate written agreement with us. One subscription, one user.

03Subscriptions & Billing

The Service is offered on a paid subscription basis. Current plans are described on our pricing page and include monthly, yearly, and lifetime tiers. Prices are listed in U.S. dollars and exclude any applicable taxes, which you are responsible for paying.

Payment processing. All payments are processed by Stripe, Inc. By subscribing, you authorize us (through Stripe) to charge your payment method for the subscription fees plus any applicable taxes. We do not store your full payment-card details on our servers.

Auto-renewal. Monthly and yearly subscriptions automatically renew at the then-current rate at the end of each billing period unless you cancel before the renewal date. Lifetime subscriptions do not auto-renew.

Price changes. We may change subscription prices from time to time. Existing monthly and yearly subscribers will receive at least 30 days’ notice of any price increase, which will take effect at the next renewal. Lifetime subscribers’ access is locked at the price they originally paid.

04Cancellation & Refunds

Cancellation. You may cancel your monthly or yearly subscription at any time from the Settings page in your dashboard. Cancellation takes effect at the end of the then-current billing period; you will retain access until that date.

Refunds. We offer the following limited refund window for first-time purchases:

Monthly: 14 days from the date of your first charge. Renewal charges are non-refundable.
Lifetime: 30 days from the date of purchase.
Yearly: Non-refundable once charged. Cancellation prevents the next renewal.

To request a refund within the window above, contact us at legal@chippieai.com. Refunds are issued at our discretion and are not available for accounts terminated for breach of these Terms.

05License to Use the Service

Subject to your compliance with these Terms and timely payment of subscription fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal, internal trading and research purposes during the period of your active subscription.

06Acceptable Use

You agree not to:

Scrape, crawl, or otherwise extract data from the Service by automated means without our prior written consent;
Resell, sublicense, redistribute, or rebroadcast any data, signal, alert, or other content obtained from the Service to any third party;
Use the Service to build, train, or evaluate a competing product;
Reverse engineer, decompile, or attempt to derive the source code of the Service or any underlying algorithms (except to the extent this restriction is prohibited by applicable law);
Bypass, disable, or interfere with any security or rate-limit features of the Service;
Use the Service in any way that violates applicable law or the rights of third parties;
Upload or transmit malware, spam, or any harmful code; or
Impersonate any person or misrepresent your affiliation with any person.

We reserve the right to suspend or terminate your account at any time, without notice or refund, for any violation of this section.

07Brokerage Integration

The Service offers an optional integration with third-party brokerage providers via SnapTrade, Inc. If you choose to connect your brokerage account:

You are solely responsible for the accuracy of any order you submit, including symbol, quantity, side, and price;
We act only as a software interface; we do not execute trades, hold customer funds or securities, or provide brokerage services;
Order execution, settlement, fees, margin, and account custody are governed exclusively by your agreement with your broker;
We are not liable for any losses, missed fills, rejected orders, latency, downtime, or other consequences arising from brokerage execution, market conditions, or your use of the integration; and
You may disconnect the integration at any time from the Settings page.

08Third-Party Services

The Service relies on third-party providers including Google Firebase (authentication, database, hosting), Stripe (payments), Polygon.io / Massive (market data), Anthropic (AI-generated 13F summaries), and SnapTrade (brokerage connectivity). Your use of those features may be subject to those providers’ own terms. We are not responsible for the availability, accuracy, or conduct of any third party.

09Intellectual Property

The Service, including all software, scanners, algorithms, designs, text, graphics, logos, and trademarks, is owned by SPXSlayers LLC or its licensors and is protected by U.S. and international intellectual-property laws. Except for the limited license granted in Section 5, no rights are granted to you. You may not remove, alter, or obscure any copyright, trademark, or other proprietary notice.

Feedback. If you submit suggestions, ideas, or feedback about the Service, you grant us a perpetual, irrevocable, royalty-free, worldwide license to use, modify, and commercialize that feedback without restriction or compensation.

10Termination

We may suspend or terminate your access to the Service at any time, with or without cause and with or without notice, including for any breach of these Terms. Upon termination, your right to use the Service ends immediately. Sections that by their nature should survive termination (including Sections 9, 11, 12, 13, 14, 15, 16, and 17) will survive.

11Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TIMELINESS, NON-INFRINGEMENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT (i) DATA, SIGNALS, OR ANALYSIS PROVIDED BY THE SERVICE ARE COMPLETE, ACCURATE, OR TIMELY; (ii) USE OF THE SERVICE WILL RESULT IN PROFITABLE TRADES; OR (iii) ANY AI-GENERATED CONTENT (INCLUDING 13F SUMMARIES) IS FREE FROM ERROR. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY US WILL CREATE A WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

12Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL SPXSLAYERS LLC, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR TRADING LOSSES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US FOR THE SERVICE DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

13Indemnification

You agree to indemnify, defend, and hold harmless SPXSlayers LLC and its affiliates, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to (i) your use of the Service, (ii) your violation of these Terms, (iii) your violation of any law or third-party right, or (iv) any trade, position, or financial decision you make based on information obtained from the Service.

14Not Financial or Investment Advice

SPXSlayers LLC is not registered with the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), the Commodity Futures Trading Commission (CFTC), or any other regulatory body as an investment adviser, broker-dealer, futures commission merchant, or commodity trading advisor.

All content provided by the Service — including but not limited to scanner output, flow alerts, Strat pattern signals, 13F summaries, AI-generated commentary, charts, and any other data or analysis — is for informational and educational purposes only. Nothing in the Service constitutes a recommendation, solicitation, or offer to buy or sell any security or derivative. You are solely responsible for your own trading decisions and should consult a licensed investment professional before making any investment.

See our Risk Disclosure for full detail on the risks of options trading and the limitations of the Service.

15Modifications to the Service or Terms

We may modify, suspend, or discontinue any feature of the Service at any time. We may also revise these Terms from time to time. If we make material changes, we will provide at least 30 days’ notice by email or via in-app notice before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

16Governing Law & Venue

These Terms are governed by the laws of the State of Michigan, without regard to its conflict-of-laws principles. Subject to Section 17, any action arising out of or relating to these Terms or the Service must be brought exclusively in the state or federal courts located in Wayne County, Michigan, and you consent to the personal jurisdiction of those courts.

17Dispute Resolution & Arbitration

Please read this section carefully — it affects your legal rights.

Informal resolution. Before filing a claim, you agree to attempt to resolve the dispute informally by contacting us at legal@chippieai.com. We will attempt to resolve the matter within 60 days.

Binding arbitration. If informal resolution fails, any dispute arising out of or relating to these Terms or the Service that is not resolved informally will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be conducted in Wayne County, Michigan, or, at your election, by telephone or video conference. Judgment on the arbitrator’s award may be entered in any court of competent jurisdiction.

Class action waiver. You and SPXSlayers LLC 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 or representative proceeding. The arbitrator may not consolidate more than one person’s claims or preside over any form of representative or class proceeding.

Exceptions. Notwithstanding the above, either party may bring an individual action in small-claims court, and either party may seek injunctive or other equitable relief in court to protect its intellectual-property rights.

30-day opt-out. You may opt out of this arbitration agreement by sending written notice to legal@chippieai.com within 30 days of first accepting these Terms. Opting out does not affect any other provision of these Terms.

18Miscellaneous

Entire agreement. These Terms, together with our Privacy Policy and Risk Disclosure, constitute the entire agreement between you and SPXSlayers LLC regarding the Service and supersede any prior agreements.

Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.

No agency. No agency, partnership, joint venture, or employment relationship is created by these Terms.

Force majeure. We are not liable for any failure or delay in performance caused by events outside our reasonable control, including market data outages, exchange halts, internet failures, acts of God, war, or government action.

Notices. We may give notices to you via email to the address associated with your account or via posting in the Service. You may give notices to us by email to legal@chippieai.com.

19Contact

SPXSlayers LLC
Michigan, United States
Email: legal@chippieai.com

By using Chippie AI, you acknowledge that you have read these Terms, understand them, and agree to be bound by them. If you do not agree, your only remedy is to discontinue use of the Service.