Welcome to Passage AI, Inc. ("we," "our," "us"). These Terms and Conditions ("Terms") govern your access to and use of the Passage mobile application and related services (collectively, the "App"). By accessing or using the App, you agree to comply with and be bound by these Terms. If you do not agree, you must not use the App.
1. General Use
- Passage AI, Inc. provides users with access to market data, analytics, charts, forecasts, and related financial insights.
- The App is intended solely for informational and educational purposes and does not provide individualized advice or recommendations.
- You agree to use the App only for lawful purposes and in accordance with these Terms.
2. No Financial, Investment, or Professional Advice
- Passage AI, Inc. does not provide financial, investment, legal, accounting, or tax advice.
- All content, data, analytics, and insights available through the App are for general informational and educational purposes only.
- Nothing in the App constitutes a recommendation or solicitation to buy, sell, or hold any security, financial instrument, or digital asset.
- Passage AI, Inc. is not registered as:
- An investment adviser or broker-dealer with the U.S. Securities and Exchange Commission (SEC),
- A member of the Financial Industry Regulatory Authority (FINRA), or
- A registrant with the Commodity Futures Trading Commission (CFTC) or National Futures Association (NFA).
- Passage AI, Inc. does not facilitate trading, order execution, or transactions in securities, commodities, or derivatives of any kind.
- You agree that any investment or financial decisions you make based on information from the App are made entirely at your own risk, and you should consult qualified professionals before making such decisions.
3. Regulatory Compliance Statement
Passage AI, Inc. operates in compliance with applicable U.S. federal and state laws governing the dissemination of financial information and data.
We do not engage in activities that would require registration or licensing under, among others:
- The Investment Advisers Act of 1940
- The Securities Exchange Act of 1934
- The Commodity Exchange Act
- The Dodd-Frank Wall Street Reform and Consumer Protection Act
By using the App, you acknowledge that:
- You are responsible for ensuring your use complies with all laws and regulations applicable to you; and
- Passage AI, Inc. disclaims any implication that it provides regulated financial services or advice requiring SEC, FINRA, or CFTC oversight.
4. Privacy and Data Use
- Passage AI, Inc. collects and processes limited user data in accordance with our Privacy Policy.
- By using the App, you consent to the collection, storage, and use of information as described in that policy.
- We do not sell or share user data except as required to operate the App or comply with law.
5. Forward-Looking and AI Disclaimers
- Certain content within the App may contain forward-looking statements, forecasts, or projections based on algorithms, public data, or predictive analytics.
- Such statements are inherently uncertain and subject to change.
- Passage AI, Inc. makes no representations or guarantees as to their accuracy, completeness, or future performance.
- The App may utilize artificial intelligence or automated models. Outputs generated by these systems are informational only and are not independently verified. Passage AI, Inc. assumes no responsibility for decisions made based on AI-generated insights.
6. No Warranties
- Passage AI, Inc. makes no representations or warranties regarding the accuracy, reliability, timeliness, or completeness of any data or information provided through the App.
- All information is provided on an "as is" and "as available" basis, without warranties of any kind, express or implied.
- We do not guarantee uninterrupted or error-free operation of the App or warrant that it will be free from viruses or harmful components.
7. Limitation of Liability
To the fullest extent permitted by law, Passage AI, Inc., its affiliates, officers, employees, contractors, and partners shall not be liable for any direct, indirect, incidental, consequential, or punitive damages, including but not limited to:
- Financial or trading losses;
- Lost profits, revenues, business opportunities, or data;
- Errors, inaccuracies, delays, or interruptions in information or service; or
- Unauthorized access to or use of your account or information.
You expressly agree that your use of the App is entirely at your own risk, and Passage AI, Inc. shall not be responsible for any financial loss or damage resulting from your reliance on any content or feature within the App.
8. User Responsibilities
- You agree not to misuse the App, engage in fraudulent activity, or attempt to access restricted areas.
- You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account.
- You agree not to copy, scrape, or extract data from the App without prior written authorization.
- Passage AI, Inc. reserves the right to suspend, restrict, or terminate access to your account to protect the integrity of its systems or comply with legal obligations.
9. Intellectual Property
- All content, design, graphics, software, trademarks, and logos within the App are the exclusive property of Passage AI, Inc. or its licensors.
- You may not reproduce, distribute, modify, or create derivative works without prior written consent.
10. Third-Party Content and Links
- The App may display or link to third-party information, APIs, or external websites.
- Passage AI, Inc. does not control, endorse, or assume responsibility for third-party content and is not liable for its accuracy, reliability, or availability.
- Your interactions with third-party services are solely between you and those entities and are governed by their respective terms.
11. International Use and Export Compliance
- The App is controlled and operated from the United States.
- Passage AI, Inc. makes no representation that the App is appropriate or available for use in other jurisdictions.
- Users who access the App from outside the U.S. do so at their own risk and are responsible for compliance with local laws.
12. Indemnification
You agree to indemnify, defend, and hold harmless Passage AI, Inc., its affiliates, officers, employees, and partners from and against any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use or misuse of the App, violation of these Terms, or infringement of any third-party rights.
13. Changes to the Terms
- We may modify or update these Terms at any time. Updates will be effective immediately when posted in the App or on our website.
- Your continued use of Passage AI, Inc.'s App after any update constitutes your acceptance of the revised Terms.
14. Termination
- We may suspend or terminate your access to the App at any time, without notice, if you violate these Terms or applicable law.
- You may stop using the App at any time by deleting your account.
15. Governing Law and Jurisdiction
- These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-law principles.
- Any disputes arising under or relating to these Terms shall be resolved exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts.
16. Arbitration
- At Passage AI, Inc.'s discretion, any dispute or claim arising out of these Terms or use of the App may be submitted to binding arbitration in Delaware, administered under the rules of the American Arbitration Association.
- Judgment on the arbitration award may be entered in any court having jurisdiction.
17. Acknowledgment and Acceptance
- By selecting "I Agree" or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms.
- These Terms constitute the entire agreement between you and Passage AI, Inc. regarding your use of the App and supersede any prior agreements or understandings.
18. Severability and Survivability
- If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
- All sections relating to intellectual property, limitation of liability, indemnification, and governing law shall survive termination of these Terms.
19. Contact Information
If you have questions or concerns about these Terms and Conditions, please contact us at:
Email: support@pssg.ai
Company: Passage AI, Inc.