Terms of Service

Strategy Lab AI · strategylabai.net Effective Date: September 30, 2026 · Last Updated: September 30, 2026 · Version 1.0

IMPORTANT: THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER (SECTION 24), LIMITATIONS OF LIABILITY (SECTION 21), AND A NO-INVESTMENT-ADVICE ACKNOWLEDGMENT (SECTION 5). PLEASE READ THEM CAREFULLY. YOU MAY OPT OUT OF ARBITRATION AS DESCRIBED IN SECTION 24.

1. Agreement to These Terms

These Terms of Service (the "Terms") are a legally binding agreement between you ("you" or "User") and Strategy Lab AI, a business with its principal place of business in Salem, Massachusetts ("Strategy Lab AI," "Company," "we," "us," or "our"). They govern your access to and use of the website at strategylabai.net and any subdomains, and all related software, applications, features, tools, content, reports, alerts, notifications, emails, APIs, and services (together, the "Service").

By creating an account, clicking "I agree" (or a similar button or checkbox), or accessing or using the Service in any way, you agree to be bound by these Terms and by the documents they incorporate by reference: the Investment and Trading Disclaimer, the Privacy Policy, and the Refund and Cancellation Policy (together, the "Policies"). If you do not agree, you must not access or use the Service.

If you are using the Service on behalf of a company or other entity, you represent that you have authority to bind it, and "you" includes that entity.

2. Definitions

"Account" means the registered user profile you create to use the Service.
"A-TAMP" (Automated Trading Analysis & Monitoring Platform) means our branded automated software features, including AI-assisted portfolio, briefing, report, and signal features.
"Content" means text, data, charts, reports, scores, signals, images, software, and other material available through the Service.
"User Content" means anything you submit, upload, enter, or generate via your Account, including strategy settings, portfolio names and descriptions, holdings, watchlist entries, positions you record, profile details, avatars, and prompts.
"Output" means results the Service generates for you, including backtest results, scores, strategy logs, signals, notifications, AI-written text, proposed portfolios, and briefings.
"Third-Party Services" means services, data, and software owned or run by others, such as data providers, AI model providers, hosting, database, payment, and email providers.
"Subscription" means a paid plan giving access to all or part of the Service for a recurring or fixed period.

3. Changes to the Terms and the Service

We may modify these Terms at any time. If we make a material change, we will give notice by email to the address on your Account, by a prominent notice in the Service, or both, at least 30 days before it takes effect (or sooner where the change is required by law or is needed for security or to add a feature). If you keep using the Service after the effective date, you accept the updated Terms. If you do not agree, you must stop using the Service and cancel your Account before the effective date. Changes do not apply retroactively to a dispute that had already been filed.

We may add, change, suspend, limit, or discontinue any feature or all of the Service (including free features, data sources, AI models, rate limits, and usage caps) at any time. If we discontinue a paid Subscription feature that is a material part of what you paid for, we will provide a pro-rated refund of prepaid, unused fees as described in the Refund and Cancellation Policy.

4. Eligibility and Account Registration

4.1 Age and capacity

You must be at least 18 years old (or the age of majority where you live, if greater) and legally able to form a contract. The Service is not directed to children, and we do not knowingly allow anyone under 18 to hold an Account. If we learn that an Account belongs to someone under 18, we will close it and delete related data.

4.2 Restricted persons and locations

You may not use the Service if you are (a) barred from receiving it under applicable law; (b) located in, or a resident or national of, a country or territory subject to comprehensive U.S. sanctions or embargo; or (c) on any U.S. government list of prohibited or restricted parties. You represent that you are not, and that you are not owned or controlled by, such a person.

4.3 Accurate information

You agree to provide accurate, current, and complete registration information (such as a valid email address) and to keep it updated. Optional profile fields (such as name, username, currency, and gender) are provided at your discretion.

4.4 Credentials and security

You are responsible for choosing a strong, unique password, keeping your credentials confidential, and for all activity under your Account. Do not share your Account or allow others to log in as you. Notify us immediately at security@strategylabai.net if you suspect unauthorized access. We are not liable for loss caused by your failure to protect your credentials, though you may not be liable for unauthorized use we could have prevented as required by law.

4.5 Usernames and profile content

You may not choose a username or avatar that impersonates another person, infringes rights, is offensive or unlawful, or suggests that you are affiliated with us. We may reclaim, reject, or change a username or image at our discretion.

4.6 One account per person

You may maintain one Account. Creating multiple accounts to evade limits, bans, trial restrictions, or fees is prohibited.

The Service lets you sign in using either your email or your username. You acknowledge that to support this, our server looks up the email associated with a username at sign-in. The lookup happens on our servers and the email address is not disclosed to the person signing in.

5. No Investment Advice; Nature of the Service

THE SERVICE IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. STRATEGY LAB AI IS NOT AN INVESTMENT ADVISER, BROKER-DEALER, FINANCIAL PLANNER, OR FIDUCIARY. NOTHING IN THE SERVICE IS INVESTMENT, TAX, LEGAL, OR ACCOUNTING ADVICE, A PERSONAL RECOMMENDATION, OR AN OFFER OR SOLICITATION TO BUY OR SELL ANY SECURITY OR OTHER ASSET. WE DO NOT PLACE TRADES FOR YOU.

The full Investment and Trading Disclaimer is part of these Terms. In summary, you agree and acknowledge that:

all Output (including signals, scores, "approved" strategies, AI-proposed portfolios, and reports) is generated by software from general data and your inputs, is not tailored to your finances or goals, and is not advice;
no profit or result is guaranteed, hypothetical and backtested results have serious limitations, and you may lose all or more than you invest;
you are solely responsible for your own investment and trading decisions, for evaluating suitability, and for the consequences (including taxes and fees);
we have no fiduciary or advisory duty to you, and do not monitor your positions;
you will not ask us, and we may decline, to give personalized investment advice, and any statement by anyone associated with the Service to the contrary is unauthorized and not binding; and
you will consult licensed professionals as appropriate.

To the fullest extent permitted by law, you agree that we are not responsible for trading or investment losses arising from your own decisions or from your reliance on Output.

6. The Service; Features and Limits

6.1 Features

The Service currently includes strategy research and backtesting tools, a strategy log and favorites, portfolio tracking and AI-assisted example portfolio proposals, company reports, a watchlist and Trade Signals, notifications, a home dashboard with automated briefings, and account settings. Features may change as described in Section 3.

6.2 Simulated capital

Research environments use fictional (simulated) balances — currently a simulated starting balance of $100,000 of "Research Capital." They are not real money, are not held by us, and do not represent an account, deposit, or property with any value.

6.3 Portfolios and positions you record

Portfolios, holdings, shares, entry prices, and "positions" you record are your own tracking entries. Recording or "confirming" a buy or sell does not place an order and does not create a brokerage relationship. We are not responsible for discrepancies between our records and your actual brokerage records.

6.4 Signals and scheduled checks

Signal checks run on an automated schedule and/or while you use the Service. They are not real-time, continuous, or guaranteed to run. See the Disclaimer for details.

6.5 Rate limits and fair use

We apply request limits and usage caps to protect the Service and control costs (including AI usage costs). We may throttle, queue, limit, or block excessive use, and may set separate limits for free and paid plans. AI features may be capped or metered.

6.6 Beta and experimental features

We may label features "beta," "preview," or "experimental." They are provided with no commitment of availability or accuracy, and may change or end at any time.

6.7 Availability

We do not promise uninterrupted or error-free service. We may perform maintenance and may experience outages, including from third-party providers. No service-level commitment or credit applies unless stated in a separate written agreement or in your Subscription description.

6.8 Devices and software

You are responsible for your own equipment, internet connection, browser, and any carrier or data charges. Some features (such as background research runs) may depend on a browser tab or device staying open and awake.

7. Fees, Subscriptions, and Payment

The Service is currently free to use, and paid Subscriptions are not currently offered. The provisions below take effect if and when we launch paid plans, and are provided now so you know how billing will work.

7.1 Plans and pricing

Certain features may be free, and others may require a paid Subscription. When offered, current plans, features, limits, and prices will be shown on our pricing page and at checkout. Prices will be in U.S. dollars and exclude taxes unless stated.

7.2 Payment processing

Payments will be processed by a third-party payment processor (we intend to use Stripe, Inc.). We do not see or store your full card number. You authorize us and our processor to charge your selected payment method for all amounts due. You represent that you are authorized to use the payment method. Your use of the processor is subject to its terms.

7.3 Automatic renewal (recurring billing)

Unless you cancel, a Subscription renews automatically for successive periods equal to your original billing period (for example, monthly or annually), at the then-current price, and we will charge your payment method at the start of each period. By subscribing you authorize recurring charges until you cancel. Before you subscribe we will clearly disclose the price, billing frequency, and that renewal is automatic, and we will obtain your express consent. We will send a renewal reminder where the law requires it, including for annual plans at least 15 days before renewal.

7.4 Free trials and promotions

If a free trial is offered, its length and post-trial price will be disclosed at signup. Unless you cancel before it ends, you will be charged the disclosed price at the end of the trial and each period after. We will remind you before the trial ends where required by law. Trials are limited to one per person, and we may require a payment method. We may end or change promotions at any time. Promotional prices may apply for an initial term only, after which the regular price applies, and we will tell you so at signup.

7.5 Price and plan changes

We may change prices or plan features. We will give you at least 30 days' advance notice by email or in the Service before a change applies to your next renewal. If you do not cancel before the change takes effect, the new price applies on renewal. Changes never apply to a period already paid for.

7.6 How to cancel

You may cancel at any time, online in your Account settings, or by emailing support@strategylabai.net. Cancellation is as easy as signup and requires no phone call. Cancellation stops future renewals; you keep access until the end of the current paid period unless the Refund and Cancellation Policy says otherwise. We will confirm cancellation by email.

7.7 Refunds

Refunds are governed by the Refund and Cancellation Policy, which is part of these Terms. Except as stated there or required by law, fees are non-refundable.

7.8 Taxes

You are responsible for all applicable sales, use, VAT, GST, and similar taxes, except taxes on our net income. Where we are required to collect tax, we will add it to the price.

7.9 Failed payments; chargebacks

If a payment fails, we may retry, notify you, and suspend or downgrade your paid features until payment is resolved. Please contact us at support@strategylabai.net to resolve any billing problem before initiating a chargeback or dispute; we ask this in good faith and it does not limit your rights with your card issuer. If you file a chargeback for a charge that was valid, we may suspend your Account, contest the chargeback, and recover the disputed amount, fees, and reasonable costs to the extent permitted by law.

7.10 Billing errors

If you believe we made a billing error, contact us within 60 days of the charge so we can promptly investigate and correct it.

7.11 Third-party costs

You are responsible for fees from your broker, exchange, bank, or data plan. We do not receive them.

8. Acceptable Use

You agree to use the Service lawfully and in accordance with these Terms. You will not, and will not allow others to:

use the Service for anything unlawful, fraudulent, deceptive, or harmful, or to violate securities, commodities, tax, sanctions, or other laws;
use the Service to manipulate markets, engage in insider trading, "pump and dump," spoofing, or wash trading, or to trade on material non-public information;
present Output as your own advice, or provide investment advice, signals, or reports to others for compensation using our Output without a separate written license and any legal registration required;
resell, sublicense, redistribute, publicly post, rebroadcast, or commercially exploit the Service, Output, data, signals, or reports (including screenshots, exports, or feeds), except as expressly permitted;
scrape, crawl, harvest, mine, or bulk-download the Service or its data by automated means, or build a competing product or dataset from it;
call our API endpoints outside the user interface, use bots or scripts, or use the scheduled/cron or internal endpoints in any way not intended for the public;
circumvent, disable, or probe rate limits, access controls, authentication, paywalls, usage caps, or security features;
share, sell, or rent your Account, or use another person's Account without permission;
reverse engineer, decompile, disassemble, or attempt to derive source code, models, prompts, algorithms, or scoring methods, except where the law forbids this restriction;
test or scan the security of the Service, or access data that is not yours, without our prior written permission (see Section 8.1 for good-faith reporting);
introduce malware, or interfere with or overload the Service, our servers, or third-party services we use, including by running excessive AI or market-data requests;
submit prompts or content designed to manipulate, jailbreak, extract instructions from, or misuse AI features, or that is unlawful, defamatory, hateful, harassing, sexually explicit, or infringing;
submit personal, financial, or sensitive information about other people, or your own government ID or account numbers or passwords, in free-text fields;
remove or alter any legal notices, disclaimers, watermarks, or attributions;
use the Service to develop or train competing AI or machine-learning models; or
harass, threaten, or impersonate any person, or misrepresent your affiliation with us.

8.1 Security research

If you find a vulnerability, please report it privately to security@strategylabai.net, give us reasonable time to fix it, and do not access, modify, or disclose other users' data, or degrade the Service. We will not pursue action against good-faith research that follows these rules.

8.2 Enforcement

We may investigate violations, remove content, restrict features, and suspend or terminate Accounts as described in Section 20, and may report unlawful conduct to authorities and cooperate with them.

9. Your Content

9.1 Ownership

You keep ownership of your User Content. Strategy parameters you configure, portfolio names, notes, and descriptions belong to you as between you and us. We own Output structures, methods, and software (see Section 10), but, subject to these Terms, you may use Output for your own personal, non-commercial purposes.

9.2 License to us

You grant us a worldwide, non-exclusive, royalty-free, sublicensable (to service providers only) license to host, store, process, reproduce, transmit, display, and adapt your User Content solely to operate, secure, maintain, support, and improve the Service, to provide it to you, to comply with law, and to enforce these Terms. We do not use your User Content for advertising. We may create aggregated and de-identified statistics that cannot reasonably identify you and may use them for any lawful purpose.

9.3 Your promises about User Content

You represent that you own or have the rights to submit your User Content, that it does not violate law or third-party rights, and that it does not contain malicious code.

9.4 AI and your prompts

Text you enter into AI features (such as a portfolio description) is sent to our AI provider to produce the Output, as described in the Privacy Policy. Under our AI provider's commercial API terms, our API inputs and outputs are not used to train its models. Do not enter confidential or sensitive information.

9.5 Backups

You are responsible for keeping your own copies of important data. We do not guarantee that User Content will be retained forever or restored after loss, and we may delete inactive Accounts as described in Section 20 and the Privacy Policy. You can export your data at any time from Account settings.

9.6 Feedback

If you send us ideas, suggestions, or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use them without obligation or attribution.

10. Our Intellectual Property

The Service, including the name "Strategy Lab AI," the name "A-TAMP," logos, design, text, graphics, software, code, models, prompts, scoring methods, strategy templates, data compilations, and the look and feel, is owned by us or our licensors and protected by copyright, trademark, trade secret, and other laws. Subject to these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your own personal, non-commercial use. All rights not expressly granted are reserved. No trademark license is granted.

11. Copyright Complaints (DMCA)

We respect intellectual-property rights. If you believe material on the Service infringes your copyright, send a notice to our copyright contact at legal@strategylabai.net including: (a) your signature; (b) identification of the work; (c) identification and location of the material; (d) your contact information; (e) a statement of good-faith belief that the use is unauthorized; and (f) a statement, under penalty of perjury, that the notice is accurate and you are authorized to act. We may remove material and terminate repeat infringers. Counter-notices may be submitted as permitted by 17 U.S.C. § 512.

12. Third-Party Services and Data

The Service relies on Third-Party Services, including market-data providers (currently Yahoo Finance), AI providers (currently Anthropic), hosting (Vercel), database and authentication (Supabase), rate-limiting (Upstash), scheduling (GitHub), and, when paid plans launch, payment and email providers. We do not control them, and they may change, limit, or stop service, or be inaccurate or unavailable. Their own terms may apply to you, and you agree to follow them. Third-party data is for your personal use only and may not be redistributed. We are not responsible for Third-Party Services, and links to them are not endorsements.

13. Privacy and Data Protection

Our Privacy Policy explains what we collect and how we use it and forms part of these Terms. You consent to the collection and use of your information as described there. We use reasonable safeguards, but no system is completely secure.

14. Communications

You agree that we may contact you electronically (email, in-app messages, push or browser notifications) about the Service, including transactional messages such as receipts, security notices, legal updates, signal notifications you enabled, and service announcements, which you cannot opt out of while you have an Account. Marketing messages, if any, are sent only in accordance with law and include an unsubscribe option. We do not send text messages unless you separately opt in. Standard message and data rates may apply to carrier-delivered messages.

15. Electronic Records and Signatures

You consent to receive notices and records electronically and agree that clicking to accept, and your continued use, constitute your electronic signature and agreement, with the same effect as a written signature under the federal E-SIGN Act and the Massachusetts Uniform Electronic Transactions Act.

16. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE AND ALL OUTPUT AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, RELIABILITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT DATA, SIGNALS, OR AI OUTPUT WILL BE ACCURATE, CURRENT, OR COMPLETE; THAT DEFECTS WILL BE CORRECTED; OR THAT USE OF THE SERVICE WILL RESULT IN ANY PROFIT OR AVOID ANY LOSS. NO ADVICE OR INFORMATION FROM US, ORAL OR WRITTEN, CREATES ANY WARRANTY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO PART OF THIS SECTION MAY NOT APPLY TO YOU.

17. Assumption of Risk

You understand that trading and investing are inherently risky and voluntarily assume all risk associated with your use of the Service and any decision you make, including the risk of total loss. See the Investment and Trading Disclaimer.

18. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Strategy Lab AI, its owners, members, officers, employees, contractors, agents, licensors, and service providers from and against all claims, liabilities, damages, losses, judgments, penalties, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Service; (b) your User Content; (c) your breach of these Terms or the Policies; (d) your violation of any law or third-party right; (e) your trading or investment decisions and any claim by a third party relating to them; or (f) your disputes with other users or third parties. We may assume exclusive control of any matter, and you agree to cooperate. This section does not apply where prohibited by law.

19. Third-Party Beneficiaries; No Agency

Our affiliates, licensors, and service providers are intended beneficiaries of Sections 5, 12, 16, 17, 18, and 21. Otherwise, there are no third-party beneficiaries. Nothing creates a partnership, joint venture, employment, agency, or fiduciary relationship between you and us.

20. Suspension and Termination

20.1 By you

You may stop using the Service and close your Account at any time through Account settings (Account → Privacy & Legal → Delete account) or by contacting support@strategylabai.net. Closing your Account does not cancel a Subscription unless you also cancel it (we will treat an Account-closure request as a cancellation request) and does not by itself entitle you to a refund, except as provided in the Refund and Cancellation Policy.

20.2 By us

We may suspend, restrict, or terminate your Account or access, with or without notice, if we reasonably believe you have breached these Terms or the Policies, created risk or legal exposure, failed to pay, been inactive for 24 months (after notice where required), or if required by law, or if we discontinue the Service. Where practical and lawful, we will tell you why and give you a chance to fix the problem. If we terminate a paid Account without cause, we will refund prepaid unused fees as described in the Refund and Cancellation Policy. If we terminate for your breach, no refund is due, except as required by law.

20.3 Effect

On termination, your right to use the Service ends. Unless prohibited by law, we may delete your User Content after a reasonable period (see the Privacy Policy for retention). Before closing, you can view, copy, and export your own data. Sections that by their nature should survive will survive, including 5, 8, 9.1, 10, 12, 16–19, 21–25, and 27.

21. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW: (A) STRATEGY LAB AI AND ITS OWNERS, MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST TRADING GAINS, TRADING OR INVESTMENT LOSSES, LOSS OF REVENUE, LOSS OF DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE; AND (B) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU ACTUALLY PAID US IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (ii) ONE HUNDRED U.S. DOLLARS (US $100).

WE ARE SPECIFICALLY NOT LIABLE FOR LOSSES CAUSED BY MARKET MOVEMENTS, INACCURATE, DELAYED, OR MISSING DATA, SIGNALS, OR NOTIFICATIONS, AI ERRORS, THIRD-PARTY OUTAGES OR ACTS, UNAUTHORIZED ACCESS DESPITE REASONABLE SECURITY, OR YOUR RELIANCE ON OUTPUT. THESE LIMITS APPLY TO ALL THEORIES OF LIABILITY, INCLUDING CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, AND OTHERWISE. THEY ARE AN ESSENTIAL BASIS OF THE BARGAIN AND REFLECT THE PRICE OF THE SERVICE.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited by law, such as liability for gross negligence, willful misconduct, fraud, or, in some places, death or personal injury, or for non-waivable consumer rights. Some jurisdictions do not allow certain limits; in those, our liability is limited to the smallest extent the law allows.

22. Force Majeure

We are not liable for delay or failure caused by events beyond our reasonable control, including natural disasters, epidemics, war, terrorism, riots, government action, labor disputes, power, internet, or telecommunications failures, cyberattacks, market closures or disruptions, and failures of third-party providers (including data, hosting, AI, and payment providers).

23. Governing Law and Venue

These Terms and any dispute between you and us are governed by the laws of the Commonwealth of Massachusetts and applicable federal law, without regard to conflict-of-law rules, and, for arbitration, the Federal Arbitration Act. Subject to Section 24, you and we consent to the exclusive jurisdiction and venue of the state courts located in Essex County, Massachusetts and the U.S. District Court for the District of Massachusetts, and waive objections to those venues, except that either party may bring an individual claim in small-claims court in your county of residence or Essex County if it qualifies. If you live outside the United States, mandatory consumer protection laws of your home country continue to apply.

24. Dispute Resolution: Informal Resolution, Binding Arbitration, and Class Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO SUE IN COURT AND TO HAVE A JURY TRIAL.

24.1 Informal resolution first

Before filing any claim, you agree to send a written notice of dispute to legal@strategylabai.net describing the problem, your Account email, and the relief you want. We will do likewise. The parties will try in good faith to resolve it for at least 30 days. Nothing in this section limits the notice requirements of Massachusetts General Laws chapter 93A, section 9 (which may require a written demand at least 30 days before suing), and we will respond to any such demand as the law requires.

24.2 Agreement to arbitrate

If we cannot resolve the dispute, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Policies, or the Service (including their formation, breach, scope, or the arbitrability of any claim) will be resolved exclusively by final and binding individual arbitration, and not in court, except for the matters excluded in Section 24.6. Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (or, if you are a business, its Commercial Arbitration Rules) in effect at filing, available at www.adr.org, as modified by this section. The arbitrator, not a court, decides threshold issues except that a court decides the validity of the class-action waiver and Section 24.4. Judgment on the award may be entered in any court with jurisdiction.

24.3 Procedures and costs

The arbitration may be conducted by phone, by video, on written submissions, or in person in Essex County, Massachusetts or, if you prefer, in your county of residence. We will pay all AAA filing, administrative, and arbitrator fees for claims of US $10,000 or less (after your payment of an amount equal to a court filing fee, if the AAA requires), unless the arbitrator finds the claim frivolous or brought in bad faith. For larger claims, fees are allocated under AAA rules. Each side bears its own attorneys' fees, except where applicable law or these Terms allows an award of fees. The arbitrator must apply governing law, may award only relief the law allows to the individual claimant, and must issue a reasoned written decision on request.

24.4 Class-action and jury waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND WE EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE (PRIVATE ATTORNEY GENERAL) PROCEEDING. ALL CLAIMS MUST BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OF MORE THAN ONE PERSON OR PRESIDE OVER ANY FORM OF CLASS OR REPRESENTATIVE PROCEEDING. IF THIS WAIVER IS FOUND UNENFORCEABLE AS TO A CLAIM OR REMEDY, THAT CLAIM OR REMEDY (AND ONLY THAT) WILL BE HEARD IN COURT, AND STAYED PENDING ARBITRATION OF THE REMAINING CLAIMS.

24.5 Mass filings

If 25 or more similar claims are filed by or with the help of the same counsel, the parties agree to a fair batching process (bellwether arbitrations of no more than ten claims at a time, with the remaining stayed and tolled) administered under AAA mass-arbitration rules, to the extent allowed.

24.6 Exceptions

This Section does not require arbitration of: (a) individual small-claims court actions; (b) claims to stop the infringement or misuse of intellectual property or unauthorized access to the Service (which either party may bring in court for injunctive relief); (c) claims that by law cannot be subject to pre-dispute arbitration; or (d) complaints to a government agency, which you may always file.

24.7 Opt-out

You may opt out of arbitration and the class waiver within 30 days of first accepting these Terms by emailing legal@strategylabai.net from your Account email with the subject "Arbitration Opt-Out" and your name and Account email. Opting out does not affect any other part of these Terms.

24.8 Severability; survival; changes

If any part of this Section other than Section 24.4 is found unenforceable, it is severed and the remainder applies. This Section survives termination. If we change this Section in the future, you may reject the change by notifying us within 30 days, in which case your dispute is governed by the version you first accepted.

24.9 Limitation period

To the extent the law allows, any claim must be filed within one (1) year after it arose, or it is permanently barred. This limitation does not apply where the law does not permit it to be shortened.

25. Additional Regional Notices

25.1 Massachusetts consumers

Nothing in these Terms waives any right you have under Massachusetts consumer-protection law (including G.L. c. 93A and its regulations), or any other right that cannot be waived.

25.2 California residents

Under California Civil Code § 1789.3 you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or 1-800-952-5210. You waive California Civil Code § 1542 (unknown claims) to the extent permitted. Our automatic-renewal terms are intended to comply with California's Automatic Renewal Law.

25.3 Residents of the European Economic Area, United Kingdom, and elsewhere

The Service is operated from, and directed to users in, the United States. If you are a consumer resident in the EEA or UK, these Terms do not deprive you of mandatory protections of your home country, and you may bring claims in your local courts. Where mandatory law gives you rights of withdrawal, you can cancel within 14 days of a first purchase; however, you agree that if you ask us to start delivering digital services immediately, you lose the right to withdraw once the service is fully performed, or you must pay a proportionate amount for what you used before withdrawing, as the law allows. See the Refund and Cancellation Policy.

25.4 Other jurisdictions

The Service is controlled from the United States. We make no promise that it is appropriate or available everywhere. You access it at your own risk and are responsible for local law.

26. Export and Sanctions

You will comply with all U.S. export control and sanctions laws, and will not use, export, or re-export the Service in violation of them.

27. General Provisions

Entire agreement. These Terms and the Policies are the entire agreement between you and us on the Service and supersede prior agreements and understandings. In a conflict, the Investment and Trading Disclaimer and these Terms control over marketing materials.
Order of precedence. If the Terms and a Policy conflict, the Policy addressing the specific subject (Privacy Policy for personal data, Refund and Cancellation Policy for refunds) controls on that subject.
Severability. If any provision is held invalid or unenforceable, it will be enforced to the maximum extent allowed and the rest remain in effect.
No waiver. Our failure to enforce a right is not a waiver.
Assignment. You may not assign or transfer these Terms without our written consent. We may assign them, including in a merger, acquisition, financing, or sale of assets, with notice, and your data may be transferred as described in the Privacy Policy.
Notices. We may give notice by email to your Account address, by posting in the Service, or by mail. You must give us notice at legal@strategylabai.net. Notices are effective when sent (email) or 3 days after mailing.
Interpretation. Headings are for convenience. "Including" means "including without limitation." These Terms are not to be construed against the drafter.
Language. The English version controls over any translation.
Survival. Sections that by nature should survive termination will survive.
Remedies. Our remedies are cumulative. You agree that breach of Sections 8 or 10 may cause irreparable harm, for which we may seek injunctive relief without posting a bond, to the extent the law allows.
Government users. Any software is "commercial computer software" and, if licensed to the U.S. government, only with the rights this agreement gives to other customers.
Accessibility. We aim to make the Service usable by everyone, and we work toward conformance with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you have difficulty using any part of the Service, contact us at support@strategylabai.net and we will work with you to provide the information or service you need through an alternative method.

28. Contact

Strategy Lab AI Salem, Massachusetts Support: support@strategylabai.net · Legal notices: legal@strategylabai.net · Security: security@strategylabai.net · Privacy: privacy@strategylabai.net Website: https://strategylabai.net