Equity CopilotExplore Tools

Terms of Service

Last Updated: June 28, 2025

Welcome to Equity Copilot (“Equity Copilot,” “we,” “us,” or “our”). By accessing our website, application, or services (collectively, the “Service”), you (“you,” “User,” or “Customer”) agree to be bound by these Terms of Service (the “Terms”) and our Privacy Policy.

If you do not agree with any part of these Terms, please do not use the Service.

1. Purpose and Nature of the Service

Equity Copilot provides educational tools and illustrative simulations designed to help users understand financial concepts, evaluate hypothetical equity outcomes, and explore financial scenarios.

Important: The Service is intended solely for informational, educational, and illustrative purposes. It is not designed to serve as or replace personalized financial, investment, legal, accounting, or tax advice.

2. No Financial or Investment Advice

Not a Registered Advisor: Equity Copilot is not a registered investment adviser, broker-dealer, or financial planner.

No Recommendations: Nothing presented through the Service constitutes an offer to buy or sell securities or specific investment recommendations.

Illustrative Tools Only: Any output, projection, or suggestion generated by the Service is hypothetical and for demonstration purposes only. Past performance or model outcomes are not indicative of future results.

You are solely responsible for your own financial decisions. Always seek advice from licensed and qualified professionals tailored to your specific situation.

3. Risks and Limitation of Liability

Financial Risk Disclaimer: Investing involves risk, including the possible loss of principal. The use of our Service does not guarantee any financial outcome.

No Liability for Use: Equity Copilot and its affiliates, officers, directors, employees, contractors, licensors, and partners shall not be liable for any loss or damage (including, but not limited to, lost profits, investment losses, business interruption, or loss of data) arising from:

  • your use of or reliance on the Service;
  • errors, inaccuracies, or omissions in the information provided;
  • any bugs, faults, or discontinuities in our Service.

Use of the Service is at your sole risk.

4. Not a Substitute for Professional Advice

The Service does not replace the guidance of licensed financial advisors, tax consultants, attorneys, or accountants. You agree not to rely solely on Equity Copilot for decisions that could have legal, financial, or tax consequences.

5. User Responsibilities

By using the Service, you agree to:

  • Provide accurate information when creating an account.
  • Maintain the confidentiality of your login credentials.
  • Use the Service only for lawful and permitted purposes.
  • Not reverse engineer, duplicate, or attempt to extract source code or algorithms of the Service.
  • Not use the Service for developing a competing product or service.

6. Educational Content Disclaimer

Any blogs, tools, calculators, or commentary provided by Equity Copilot are for general information and education. They may not apply to your specific financial situation. Equity Copilot does not guarantee the accuracy, completeness, or usefulness of any content.

7. Changes to the Service or Terms

We reserve the right to modify, suspend, or terminate the Service or these Terms at any time. We will notify you by updating the “Last Updated” date and, where appropriate, through the Service. Your continued use after any change constitutes acceptance of the updated Terms.

8. Termination

We may terminate or suspend your access to the Service at any time, without notice, for conduct that we believe violates these Terms or is harmful to other users or us.

9. Indemnification

You agree to indemnify and hold harmless Equity Copilot and its affiliates from any claim, demand, loss, or damage, including attorneys’ fees, arising out of:

  • Your use or misuse of the Service;
  • Your violation of these Terms or applicable law;
  • Your reliance on any data or output from the Service.

10. Arbitration and Dispute Resolution

Before initiating legal action, both parties agree to attempt to resolve any dispute informally. If a resolution cannot be reached, disputes will be resolved by binding arbitration in accordance with the rules of the American Arbitration Association, located in San Francisco, California, unless prohibited by law.

Class actions and collective arbitrations are expressly waived.

11. Intended Audience

This Service is not directed to individuals under the age of 13. By using the Service, you affirm that you are at least 18 years old or have legal capacity to enter into this agreement.