Legal

Terms of Service

Effective Date: June 1, 2026 · Last Updated: July 3, 2026

1. Acceptance

By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2. Apple App Store Terms

The Clavix iOS app is distributed through the Apple App Store. The following additional terms apply:

• These Terms are between you and Andover Digital LLC. Apple is not a party to these Terms.
• Apple is not responsible for the Service, its content, maintenance, support, or any claims relating to the Service.
• If the Service does not conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the app.
• Apple and its subsidiaries are third-party beneficiaries of these Terms as they relate to your license of the iOS app.

3. Eligibility

To use the Service, you must be at least 18 years of age, reside in the United States, have the legal capacity to enter into a binding contract, and not be barred from using the Service under applicable law.

4. Description of Service

Clavix is a portfolio risk intelligence tool that provides risk scores, letter grades (A+ to F), personalized daily briefings, news filtering, alerts, and methodology transparency. The current version supports manual portfolio entry. Brokerage account synchronization is not yet available.

AI-generated content. Some content, including risk scores, briefing text, and news analysis, is generated with the assistance of artificial intelligence models. This content is informational only and may contain errors, omissions, or inaccuracies.

Not a broker or adviser. Clavix is a data analysis tool. It is not a registered broker-dealer, investment adviser, financial planner, or tax professional.

5. No Investment Advice

All content provided by Clavix — including risk scores, grades, daily briefings, news analysis, alerts, and any AI-generated text — is for informational purposes only and does not constitute:

• Investment advice or a recommendation to buy, sell, or hold any security or asset
• Legal, tax, accounting, or financial planning advice
• A solicitation or offer to buy or sell any security
• A prediction or forecast of future market performance

Risk scores are algorithmic observations, not recommendations. Scores and grades reflect model output based on publicly available data and may be inaccurate, delayed, incomplete, or based on erroneous inputs.

You are solely responsible for all investment decisions you make. Before making any investment decision, consult a qualified financial advisor or licensed professional.

6. Account Registration and Security

You agree to provide accurate information when registering, maintain the confidentiality of your credentials, notify us of unauthorized access, and accept responsibility for all account activity.

7. User Portfolio Data

You are responsible for the accuracy of portfolio data you enter manually. Clavix does not verify self-reported holdings, cost basis, or purchase dates. We do not provide trade confirmation, tax lot tracking, or position reconciliation.

8. Brokerage Connections

Brokerage connection is not yet available in the current version. When available in a future update, we will update these Terms.

9. Subscriptions and Purchases

9.1 Clavix Pro

Clavix Pro is an auto-renewing monthly subscription available through the Apple App Store. The current price is $19.99 per month (prices may vary by region and are displayed in your local currency at the time of purchase).

9.2 Free Trial

New subscribers may receive a 14-day free trial of Clavix Pro. The trial is available only to users who have not previously subscribed to Clavix Pro on that Apple ID. Trial eligibility is determined by Apple at the time of purchase; if a trial is not available for your account, you will be charged the standard monthly rate immediately upon confirming the subscription.

9.3 Billing and Auto-Renewal

• Payment will be charged to your Apple ID at confirmation of purchase, or at the end of any free trial period.
• The subscription automatically renews unless auto-renewal is turned off at least 24 hours before the end of the current billing period.
• Your Apple ID account will be charged for renewal within 24 hours prior to the end of the current period at the then-current price.
• You can manage your subscription and turn off auto-renewal at any time: go to Settings → [your name] → Subscriptions on your iPhone.

9.4 Cancellation and Refunds

You may cancel your subscription at any time through the App Store. Cancellation takes effect at the end of the current billing period; you retain access to Pro features until then. Refund requests for App Store purchases are handled by Apple. To request a refund, visit reportaproblem.apple.com. See also our Refund Policy.

9.5 Price Changes

We may change the subscription price at any time. Apple will notify you of any price change before your next renewal. Your continued subscription after the effective date of the price change constitutes your acceptance of the new price.

9.6 Apple as Merchant of Record

All subscription billing is processed by Apple. Apple is the merchant of record for all App Store transactions. These Terms supplement, and do not replace, Apple’s App Store Terms of Service.

10. Third-Party Data and AI Outputs

The Service relies on third-party data sources including Polygon.io, Finnhub, Tickertick, U.S. SEC EDGAR, the Federal Reserve Economic Data (FRED) service, CNBC and Google News RSS feeds, stockanalysis.com, and MiniMax (AI/LLM processing). We do not guarantee that any data, risk score, analysis, or AI-generated content is complete, accurate, current, or suitable for any purpose. You assume all risk associated with reliance on any information provided by the Service.

11. Alerts and Notifications

Alerts and push notifications are informational. They may be delayed, missed, duplicated, or inaccurate due to technical issues, data provider delays, or system limitations. Do not rely on alerts as the sole basis for time-sensitive investment decisions.

12. Acceptable Use

You agree not to violate applicable law, engage in fraud, reverse engineer the Service, use automated bots without authorization, misrepresent your identity, transmit malicious code, or attempt unauthorized access.

13. Intellectual Property

The Clavix name, logo, design, risk methodology, software, and original content are the exclusive property of Andover Digital LLC. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial use only.

14. Privacy

Your use of the Service is governed by our Privacy Policy, incorporated by reference.

15. Disclaimer of Warranties

The Service is provided “as is” and “as available,” without warranty of any kind. To the fullest extent permitted by law, Andover Digital LLC disclaims all warranties, including merchantability, fitness for a particular purpose, accuracy, and non-infringement.

16. Limitation of Liability

To the fullest extent permitted by law, Andover Digital LLC shall not be liable for indirect, incidental, special, consequential, or punitive damages, including investment losses, lost profits, or loss of data. Our aggregate liability shall not exceed the greater of the amount you paid us in the preceding 12 months or $100.

17. Indemnification

You agree to indemnify Andover Digital LLC from claims arising out of your use of the Service, violation of these Terms, violation of applicable law, or investment decisions you make.

18. Suspension and Termination

We may suspend or terminate your access at any time, with or without cause. You may terminate your account at any time through the in-app “Delete Account” feature or by emailing [email protected].

19. Changes to Terms

We may update these Terms. Material changes will be communicated through the app. Your continued use after the effective date constitutes acceptance.

20. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Commonwealth of Massachusetts. Any dispute shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. You and Andover Digital LLC agree to bring claims only in your individual capacity (class action waiver).

21. Contact and Legal Notices

Andover Digital LLC
Operator of Clavix
A Massachusetts limited liability company
57 Elm Street, Andover, MA 01810
Email: [email protected]

Legal notices, including any notice of a dispute under Section 20, may be sent to Andover Digital LLC at the address above or by email at [email protected].