AlphaCouncil Legal Suite

Terms, privacy, billing, cookies and AI/financial risk disclosures

Documents included

Terms of Service

Privacy Policy

Refund & Cancellation Policy

Cookie Policy

AI & Financial Disclaimer

Operator: Insight Lane Establishment, a Saudi sole establishment, Unified National Number 7050149686, trading as AlphaCouncil.

1. Parties, scope and electronic acceptance

These Terms of Service (the “Terms”) govern access to and use of the websites, applications, dashboards, software, data displays, artificial-intelligence features, portfolio tools, stock-screening tools, research outputs and related services made available under the AlphaCouncil name (collectively, the “Service”).

The Service is provided by Insight Lane Establishment, a sole establishment registered in the Kingdom of Saudi Arabia under Unified National Number 7050149686, trading as AlphaCouncil (“AlphaCouncil”, “we”, “us” or “our”). The person or entity that accepts these Terms or uses the Service is referred to as “you” or the “User”.

You accept these Terms electronically when you create an Account, select an acceptance control, submit a Subscription order, or continue to use the Service after being given access to these Terms. Electronic records of acceptance, including date, time, Account identifier, version and technical logs, may be retained as evidence of the transaction and your consent. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” includes that organization.

2. Definitions

“Account” means the registered user account through which a User accesses the Service.

“AI Features” means features that use machine learning, large-language models, automated agents, ranking systems, or other computational models to generate, transform, compare, classify or summarize information.

“AI Output” means any text, score, classification, forecast, summary, screening result, portfolio commentary, model response, calculation, chart annotation or other output produced or assisted by AI Features.

“Content” means the Service, Documentation, software, design, interfaces, databases, data compilations, text, graphics, methodologies, scores, models, outputs and other materials made available through the Service, excluding User Content.

“Documentation” means the then-current user documentation, notices, policies, instructions and technical materials we make available for the Service.

“Market Data” means prices, quotations, company information, financial statements, corporate actions, news, exchange information, estimates, indicators and other market-related information obtained from public or third-party sources or derived from them.

“Paid Subscription” means a paid right to use specified Service features for a recurring or fixed Subscription Period.

“Subscription Period” means the billing period stated at checkout or in the Account, including any renewal period.

“User Content” means information, prompts, portfolio entries, files, images, documents, feedback or other materials submitted, uploaded, stored or transmitted by or for a User through the Service.

3. The Service and regulatory position

AlphaCouncil provides automated financial research tools, stock screening, portfolio analysis, comparative market information, educational investment analysis and AI-assisted research relating principally to financial markets in the Gulf Cooperation Council region. The Service may organize and analyze information using User Content, Market Data and AI Features.

AlphaCouncil does not execute or arrange trades, receive or transmit trade orders, hold client money or securities, provide custody, manage portfolios or assets, operate an investment fund, act as a broker, or enter into transactions on a User’s behalf. AlphaCouncil is not a capital market institution and does not hold itself out as licensed by the Saudi Capital Market Authority or another financial regulator to provide regulated securities advice or discretionary investment management.

The Service is designed for research, informational and educational purposes only. No Content or AI Output constitutes financial, investment, securities, brokerage, legal, accounting, tax or other regulated professional advice; an offer or solicitation; a recommendation to buy, sell, hold or enter into any transaction; or a representation that an investment, strategy or transaction is suitable for you. Portfolio-aware outputs remain automated educational analysis and are not a regulated suitability assessment or personalized financial recommendation.

We may restrict, modify or discontinue a feature in a jurisdiction where we reasonably believe the feature may require authorization, conflict with law, create regulatory risk, or be inappropriate for a class of Users. You are responsible for determining whether your use of the Service is lawful in your location.

4. Eligibility

You must be at least 18 years old, have full legal capacity to contract, and not be prohibited from using the Service under applicable law. The Service is not directed to children or to persons who lack legal capacity. We may request reasonable evidence of age, identity, authority or eligibility and may suspend access until satisfactory evidence is provided.

You may not use the Service if you are subject to sanctions, trade restrictions or other legal prohibitions that would make our provision of the Service unlawful. You must not use the Service from a jurisdiction or for a purpose where such use is prohibited.

5. Accounts and account security

You must provide accurate, complete and current registration information and keep it updated. An Account is personal to the registered User unless a business or multi-user plan expressly permits additional authorized users. You must not sell, transfer, sublicense, share or otherwise make an Account available to another person, and you must not allow simultaneous or coordinated use intended to avoid plan limits or fees.

You are responsible for safeguarding credentials, authentication devices and recovery methods and for all activity conducted through your Account, except to the extent caused by our breach of these Terms or applicable law. You must promptly notify us of suspected compromise, unauthorized use or payment fraud and take reasonable steps we request to secure the Account. We may require credential resets, additional authentication or temporary access restrictions to protect Users and the Service.

Account ownership is determined by the person or organization that controls the verified registration email and, for a business Account, the organization identified at registration or checkout. Disputes about Account control may require evidence reasonably satisfactory to us. We are not obliged to resolve internal disputes between members of an organization.

6. Service access, plans and usage limits

Features, model availability, data coverage, usage allowances, rate limits, response times and support levels depend on the plan, jurisdiction, technical capacity and current Documentation. We may apply reasonable technical and operational limits to protect the Service, comply with law, allocate capacity, manage third-party costs and prevent misuse.

Usage limits are not a commitment that a particular volume will always be available. Requests may be delayed, queued, refused or truncated where limits are exceeded, third-party systems are unavailable, a request creates abnormal load, or we reasonably suspect automated abuse. Unless expressly stated in a written enterprise agreement, unused allowances do not roll over and may not be transferred or resold.

We may make changes that improve, update, secure or maintain the Service, including replacing models, data sources, infrastructure, interfaces or features. We do not guarantee that a particular model, provider, methodology, score, data field or workflow will remain available.

7. AI Features and AI Output

AI Features are probabilistic and may produce inaccurate, incomplete, fabricated, inconsistent, biased, outdated or misleading outputs. AI Output may appear confident even when wrong, may omit relevant facts, may misinterpret User Content, and may vary between requests or over time. A response produced by multiple models or agents is not independently verified merely because more than one model participated or because the models appear to agree.

You must independently review and verify AI Output, Market Data, calculations, source materials and assumptions before relying on them. You must not rely on AI Output as the sole basis for an investment, financial, legal, tax, employment, credit, medical, safety-critical or other material decision. You are responsible for applying human judgment and obtaining advice from appropriately licensed professionals.

We may use automated moderation, safety systems and technical filters. Those systems may fail to detect harmful content or may incorrectly restrict lawful content. We do not guarantee that AI Output will be unique, non-infringing, fit for a particular purpose, or free from third-party material. Similar or identical outputs may be generated for other Users.

You must not submit confidential, privileged, regulated or sensitive information to AI Features unless the Service expressly supports that use and you are authorized to disclose it. Passwords, private keys, full payment-card details, government identification documents and information about third parties that you are not entitled to process must not be included in prompts or uploads.

8. Market Data and financial information

Market Data may be delayed, estimated, adjusted, incomplete, unavailable, incorrectly mapped or subject to licensing restrictions. Prices and other information displayed through the Service may differ from official exchange data, broker quotations, issuer filings or real-time market conditions. Time stamps, currencies, corporate actions and adjusted historical data may be affected by source limitations or processing errors.

We do not warrant that Market Data is real-time, official, complete, accurate or suitable for trading. You must verify material information through official exchange announcements, issuer disclosures, your broker and other authoritative sources. We may remove, correct, reclassify or restate data without notice.

Any score, ranking, target, forecast, scenario, sentiment label, risk classification or expected-return figure is an analytical estimate based on assumptions and available data. It is not a guarantee of performance. Markets are volatile, investments may lose value, liquidity may disappear, and past performance is not a reliable indicator of future results.

9. Portfolio tools and User Content

Portfolio tools may allow you to enter holdings, transaction information, investment objectives, risk preferences or other data, and may allow files or images to be uploaded for extraction. You are responsible for the accuracy, legality and completeness of User Content. You must review extracted or inferred values before using them because document recognition and data extraction can misread tickers, quantities, prices, dates, currencies and account information.

You retain ownership of User Content. You grant us and our processors a worldwide, non-exclusive, limited licence to host, copy, transmit, process, reproduce, transform and display User Content only as reasonably necessary to provide, secure, support and improve the Service, comply with law and enforce these Terms. This licence ends when the relevant User Content is deleted from active systems, subject to lawful retention, security records and backup cycles described in the Privacy Policy.

You represent that you have all rights, permissions and lawful bases required to submit and permit the processing of User Content, including personal data relating to another person. You must remove or redact unnecessary third-party data before upload. We may remove or restrict User Content that we reasonably believe infringes rights, violates law, creates security risk or breaches these Terms.

We do not claim ownership of your original portfolio information. Aggregated or anonymized information that can no longer reasonably identify you may be used for analytics, security, service improvement and research in accordance with the Privacy Policy.

10. Subscriptions, orders and billing

10.1 Paid Subscriptions

Paid Subscription features, billing frequency, price, currency, usage limits and any introductory offer are shown at checkout or in the Account. An order is accepted when payment is successfully authorized or captured and we make the Paid Subscription available. We may reject or cancel an order before activation where payment fails, pricing is erroneous, fraud is suspected, or provision would be unlawful.

10.2 Automatic renewal

Unless checkout states otherwise, each Paid Subscription renews automatically for successive Subscription Periods until cancelled. By purchasing a Paid Subscription, you authorize us and our payment processor to create and retain a tokenized payment credential and to charge the applicable recurring fee and taxes to your selected payment method at each renewal. The renewal date and current Subscription status are shown in the Account or transaction confirmation. This section does not apply to the current manual-renewal launch. It applies only if a future checkout expressly offers and obtains consent for automatic renewal.

10.3 Payment processing

Payments are processed by Moyasar or a successor payment service provider. Payment-card information is collected and processed by the payment provider through its secure payment interface. We do not intentionally receive or store your full card number or card security code. We may receive a token, masked card information, transaction identifier, payment status, amount, currency, fraud signals and other records needed to administer billing, refunds and disputes.

10.4 Failed payments

You must maintain a valid payment method. If a payment is declined, reversed or remains unpaid, we may retry the charge where permitted, request another payment method, restrict paid features, suspend the Account or cancel the Paid Subscription. You remain responsible for valid charges incurred before suspension or cancellation. We will not charge collection fees unless disclosed and permitted by law.

10.5 Price and plan changes

We may change prices, plan structure or included features. A price increase for an existing recurring Paid Subscription will apply no earlier than the next renewal after reasonable advance notice, unless the change is required by law, tax or a change requested by you. Continued use after the effective date of a properly notified change constitutes acceptance; you may cancel before renewal if you do not accept the change.

10.6 Taxes and invoices

Prices and applicable taxes are disclosed at checkout as required by law. You are responsible for taxes, duties or charges that the law requires you to pay, excluding taxes on our net income. We will issue an electronic invoice, receipt or transaction confirmation containing the information required by applicable Saudi e-commerce and tax rules. Where a tax treatment changes, the amount charged may be adjusted prospectively as required by law.

11. Cancellation, refunds and chargebacks

You may cancel a Paid Subscription through the billing settings or by contacting Support. Cancellation prevents future renewals but, unless a refund is approved or law requires otherwise, access to paid features continues until the end of the Subscription Period already paid. Deleting an Account does not by itself cancel a Paid Subscription unless the deletion flow expressly confirms cancellation.

Refund eligibility, the contractual 14-day money-back guarantee, refund method and processing rules are set out in the Refund & Cancellation Policy, which is incorporated into these Terms. Non-waivable statutory rights prevail over any inconsistent provision.

If you believe a charge is unauthorized, duplicated or incorrect, contact us promptly with sufficient transaction details. You retain any lawful right to dispute a payment with your issuer. A chargeback does not create a right to retain paid access or obtain more than the amount lawfully due. We may provide transaction, acceptance, usage and correspondence records to the payment provider or card network and may suspend Accounts associated with fraud, abusive disputes or unpaid balances.

12. Third-party services and links

The Service may depend on or interoperate with third-party services, including payment processing, authentication, hosting, communications, cybersecurity, AI models, data services and market-information sources. Third-party services are not controlled by us and may change, suspend access, impose limits, process data in other jurisdictions or become unavailable. Your use of a third-party service may be subject to separate terms and privacy notices.

Links to third-party websites or sources are provided for convenience and do not imply endorsement. We are not responsible for third-party content, products, services, availability, security, accuracy or conduct. We may replace a provider or source without notice where the change does not materially reduce the core Service purchased for the current Subscription Period.

13. Intellectual property and permitted use

The Service and Content are owned by us or our licensors and are protected by intellectual-property, database, unfair-competition and other laws. Except for the limited licence below, no right, title or interest is transferred to you. Trade names, logos and marks may not be used without prior written permission.

Subject to these Terms and payment of applicable fees, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence during your authorized Subscription Period to access and use the Service and Content for your own lawful research, education and internal decision-support purposes within the usage rights of your plan. You may make reasonable personal or internal copies of individual outputs, but you may not create a competing product, database, data feed or commercial publication from the Content.

As between you and us, and subject to third-party rights and applicable law, you may use AI Output generated specifically in response to your prompts for the permitted purposes of your plan. We do not represent that AI Output is protectable, exclusive or free of third-party rights. Our underlying software, prompts, system instructions, model orchestration, retrieval methods, scoring systems, taxonomies, data transformations and methodologies remain our property or that of our licensors.

Feedback, suggestions and ideas provided to us may be used without restriction or compensation, provided that we do not publicly identify you as the source without permission. This does not grant us ownership of User Content unrelated to the feedback.

14. Acceptable use and prohibited conduct

You must use the Service lawfully, responsibly and in accordance with Documentation. You must not, and must not assist or permit another person to:

• access or use the Service through bots, scripts, crawlers, headless browsers, automated agents or similar means except through an interface or API expressly authorized by us and within documented limits;
• scrape, harvest, bulk-download, index, mirror, cache, reproduce, republish, syndicate, sell, license, redistribute or commercially exploit Content, Market Data, AI Output or account data except as expressly permitted;
• reverse engineer, decompile, disassemble, translate, modify or attempt to derive source code, non-public APIs, model weights, system prompts, hidden instructions, safety rules, architecture, datasets, retrieval sources or proprietary methodologies, except to the limited extent a restriction is prohibited by law;
• use prompt injection, extraction, adversarial testing or other techniques to reveal confidential instructions, credentials, model configuration, security controls or data belonging to another person;
• benchmark, publish performance tests, compare provider or model performance for commercial publication, or use the Service to train, fine-tune, distill, validate or improve a competing model or service without written permission;
• circumvent authentication, paywalls, plan limits, rate limits, safety controls, geographical restrictions, access controls, payment requirements or technical protections;
• share Accounts, pool allowances, create related Accounts to obtain repeated trials or refunds, or use multiple identities or payment methods to avoid restrictions;
• probe, scan, test or exploit vulnerabilities; interfere with availability; introduce malware; overload infrastructure; or conduct denial-of-service, credential-stuffing, phishing or other security attacks;
• submit content that is unlawful, fraudulent, infringing, defamatory, deceptive, malicious, discriminatory or that violates another person’s privacy, confidentiality or intellectual-property rights;
• impersonate another person, misrepresent affiliation, falsify identity or payment information, manipulate reviews, fabricate source attribution, or present AI Output as licensed professional advice;
• use the Service for market manipulation, insider trading, unlawful financial promotion, fraud, sanctions evasion, money laundering, or any activity that violates securities, consumer, data-protection or other laws;
• use the Service to make fully automated decisions that produce legal or similarly significant effects concerning another person without an independent lawful basis, appropriate safeguards and meaningful human review;
• remove proprietary notices or falsely imply that we sponsor, certify, endorse or are responsible for your product, service, advice or publication;
• use the Service in a manner that is abusive, excessively resource-intensive, inconsistent with ordinary human use, or materially harmful to us, our providers, other Users or the public.

We may investigate suspected violations and preserve relevant records. We may cooperate with lawful requests and take proportionate measures, including warnings, rate limiting, content removal, access restrictions, suspension, termination and referral to payment providers or authorities.

15. Suspension and termination

You may stop using the Service at any time and may request Account deletion as described in the Privacy Policy. Subscription cancellation and refund consequences are governed by Section 11 and the Refund & Cancellation Policy.

We may suspend, restrict or terminate access immediately where reasonably necessary to address a material breach, security incident, fraud, payment failure, unlawful conduct, regulatory risk, danger to another person, abuse of infrastructure, or an urgent operational threat. In other cases, where reasonably practicable, we will provide notice and an opportunity to cure before termination.

On termination, your right to access the Service ends. We may delete or anonymize User Content in accordance with the Privacy Policy, subject to legal retention, unresolved disputes, fraud prevention and backup cycles. Termination does not affect accrued rights or obligations. Sections that by their nature should survive will survive, including provisions on intellectual property, User Content licences needed for lawful retention, restrictions, disclaimers, liability, indemnity, disputes and general terms.

16. Beta, preview and experimental features

Features identified as beta, preview, experimental, early access, research or similar are provided for evaluation and may be less reliable, incomplete, insecure or subject to change. They may have separate limits or notices and may be withdrawn without notice. Unless required by law or expressly agreed in writing, beta features are provided without service-level commitments, support commitments or warranties and should not be used for critical decisions or production-dependent workflows.

17. Service availability, maintenance and changes

We aim to operate the Service responsibly but do not guarantee uninterrupted or error-free availability. Access may be affected by maintenance, upgrades, data-source outages, model-provider changes, network events, cybersecurity incidents, payment-provider outages, legal requirements, capacity limits or events beyond our reasonable control.

We may modify, replace, suspend or discontinue all or part of the Service. If we permanently discontinue a material paid feature during an active Subscription Period and do not provide a reasonably comparable alternative, we will provide an appropriate remedy required by law, which may include a pro-rata refund for the affected unused period. This does not apply to minor changes, third-party feature changes, beta features, abuse-related restrictions or changes needed for security or compliance.

18. Privacy and communications

Our collection and processing of personal data is described in the Privacy Policy and Cookie Policy. Those policies form part of the contractual framework but do not limit rights granted by the Saudi Personal Data Protection Law or other applicable law.

We may send transactional and service communications required to operate the Account, including verification, security, billing, renewal, cancellation, policy and outage notices. These are not marketing communications and may be necessary for the Service. Marketing communications will be sent only where permitted and will include a lawful opt-out mechanism.

19. Disclaimers

To the maximum extent permitted by applicable law, the Service, Content, Market Data and AI Output are provided “as is” and “as available”. We disclaim all express, implied and statutory warranties, including warranties of accuracy, completeness, timeliness, reliability, merchantability, satisfactory quality, fitness for a particular purpose, title, non-infringement, availability and that results will meet your expectations.

We do not warrant that the Service will be uninterrupted, secure or error-free; that defects will be corrected; that any data or output will be preserved; that AI Output will be factual, current, unique or suitable for reliance; or that any investment, strategy, screening result, forecast or portfolio analysis will achieve a particular outcome. You assume all risk arising from investment decisions and from reliance on information obtained through the Service.

Nothing in these Terms excludes or limits a warranty, right or remedy that cannot lawfully be excluded or limited, including any non-waivable consumer right under applicable Saudi law.

20. Limitation of liability

To the maximum extent permitted by applicable law, neither AlphaCouncil nor its owner, personnel, affiliates, licensors or service providers will be liable for:

• investment, trading or portfolio losses; loss caused by market movement, volatility, liquidity, execution, slippage, exchange action, issuer action or reliance on AI Output or Market Data;
• indirect, incidental, special, punitive, exemplary or consequential loss or damage;
• loss of profits, revenue, opportunity, business, goodwill, anticipated savings, data or use, even if foreseeable;
• loss arising from third-party services, data sources, model providers, payment providers, network failures, unauthorized Account access caused by the User, or events beyond our reasonable control.

To the maximum extent permitted by law, our total aggregate liability arising out of or relating to the Service, these Terms and all related policies, under any theory of liability and for all claims in any rolling 12-month period, will not exceed the total fees you paid to us for the Service during the 12 months immediately preceding the event giving rise to the claim.

The exclusions and cap apply collectively and are a fundamental allocation of risk. They do not apply to liability that cannot be excluded or limited by law, or to the extent liability results from fraud, intentional misconduct, or another matter for which exclusion is prohibited. If a limitation is held unenforceable, it will be enforced to the maximum extent permitted.

21. Indemnification

To the maximum extent permitted by law, you will indemnify and hold harmless AlphaCouncil and its owner, personnel and service providers from third-party claims, losses, liabilities, penalties, damages and reasonable costs arising from: (a) your unlawful or unauthorized use of the Service; (b) User Content that infringes rights or violates law; (c) your fraud, willful misconduct or material breach of these Terms; or (d) your provision of regulated advice or financial services using the Service without required authorization. This obligation does not apply to the extent a claim was caused by our breach, negligence or unlawful conduct. We will give reasonable notice and may control the defence, while considering any material conflict of interest.

22. Force majeure

We are not liable for delay or failure caused by events beyond our reasonable control, including natural disasters, epidemics, war, terrorism, civil disorder, government action, sanctions, exchange or market closure, utility or telecommunications failure, cloud or data-provider failure, cyberattack, labour disruption, fire, flood or widespread internet failure. We will use reasonable efforts to mitigate the effect and resume affected obligations. Payment obligations already incurred and obligations that can reasonably continue are not excused.

23. Governing law and disputes

These Terms and any non-contractual obligations arising from them are governed by the laws and regulations of the Kingdom of Saudi Arabia, without regard to conflict-of-laws principles. Mandatory consumer and data-protection rights applicable to you are preserved.

Before commencing formal proceedings, each party should provide written notice describing the dispute and allow at least 30 days for good-faith resolution, unless urgent interim relief is reasonably necessary or a statutory deadline would expire. Disputes that are not resolved will be submitted to the competent courts of the Kingdom of Saudi Arabia. Nothing prevents a consumer from using a complaint channel or forum that applicable law makes available and non-waivable.

24. Changes to these Terms

We may update these Terms to reflect changes in law, regulation, the Service, security, business operations or risk. The updated version will state its effective date. For a material adverse change, we will provide reasonable advance notice by email, in-Service notice or another appropriate method. A change will not retroactively reduce a refund or other right already accrued. Continued use after the effective date constitutes acceptance, except where law requires a different form of consent.

25. General provisions

Assignment. You may not assign or transfer these Terms, an Account or a Subscription without our prior written consent. We may assign these Terms in connection with a reorganization, financing, sale of business or assets, merger, or transfer to an affiliate or successor, provided that mandatory rights are not reduced.

Notices. Notices to you may be delivered to the email address associated with the Account, through the Service or by another electronic method reasonably calculated to provide notice. Notices to us must be sent through the contact channels in Section 27. Electronic notices are effective when sent or posted, subject to applicable law.

No waiver. A failure or delay in enforcing a provision is not a waiver. A waiver must be express and applies only to the specific circumstance stated.

Severability. If a provision is invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions remain effective.

No partnership or agency. These Terms do not create a partnership, joint venture, employment, fiduciary, advisory, brokerage or agency relationship between you and AlphaCouncil.

Entire agreement and order of precedence. These Terms, the order information shown at checkout, the Privacy Policy, Refund & Cancellation Policy, Cookie Policy, AI & Financial Disclaimer and any additional terms expressly accepted for a feature constitute the entire agreement concerning the Service. If there is a conflict, feature-specific or order-specific terms prevail for that feature or order, followed by these Terms, then the other policies, except that mandatory law always prevails.

Headings and interpretation. Headings are for convenience. “Including” means “including without limitation”. The singular includes the plural where context permits. A reference to law includes amendments and replacement legislation.

26. Language

These Terms may be published in Arabic and English. The versions are intended to be consistent. For Users in the Kingdom of Saudi Arabia, the Arabic version will prevail to the extent required by applicable law or in proceedings before a Saudi authority or court. Otherwise, if an inconsistency remains, the version expressly identified as controlling at the time of acceptance will apply, subject to mandatory law.

27. Contact and merchant information

Email: support@alphacouncil.tech

Contact page: https://alphacouncil.tech/contact.html

Website: https://alphacouncil.tech

Registered business address and current commercial registration details are displayed in the Merchant Information notice on the Site and on transaction records issued where required by applicable law.

1. Controller and scope

Insight Lane Establishment, a Saudi sole establishment registered under Unified National Number 7050149686 and trading as AlphaCouncil, is the controller responsible for personal data processed through the Service, except where another party is expressly identified as an independent controller. “Personal Data”, “Processing”, “Controller”, “Processor” and related capitalized data-protection terms have the meanings given under applicable Saudi data-protection law.

This Policy applies to personal data processed through the AlphaCouncil website, applications, Accounts, dashboards, AI Features, portfolio tools, billing, support and related communications. It does not govern a third party’s independent website, service or processing merely because the Service links to or interoperates with it.

The Service is intended for persons aged 18 or older. We do not knowingly offer Accounts to children or intentionally collect personal data from persons who lack legal capacity without a lawful guardian process. If we learn that such data has been collected improperly, we will take appropriate steps to restrict processing and delete it where required.

2. Personal Data we collect

Please provide only Personal Data reasonably necessary for your use of the Service. Portfolio data and uploads are optional, but a feature may not function without the information required to perform the requested analysis. Account, authentication and transaction information may be mandatory to create an Account, secure access or purchase a Paid Subscription.

Do not upload passwords, private keys, full payment-card details, government identification documents, medical records, biometric data or other Sensitive Data unless we expressly request it through a designated secure process. You must have authority and a lawful basis before providing Personal Data about another person.

3. How we collect Personal Data

• Directly from you. When you register, configure the Account, enter portfolio information, submit prompts, upload files, purchase a Subscription, communicate with Support or exercise rights.
• Automatically. When you use the Service, through server logs, security controls, cookies, local storage, diagnostics and similar necessary technologies.
• From service providers. From authentication, payment, communications, infrastructure, security, AI and data providers to the extent needed to provide the Service.
• From public or licensed sources. For Market Data and company information. Such information generally concerns issuers and markets, but may include professional information relating to identifiable individuals.

4. Purposes and legal bases

Where we rely on legitimate interests, we assess necessity, reasonable expectations, potential effects on Data Subjects and safeguards. We do not rely on legitimate interests to process Sensitive Data where prohibited. Where consent is the legal basis, consent is requested separately, recorded and may be withdrawn as described below without affecting processing that was lawful before withdrawal.

We will not use Personal Data for a materially incompatible new purpose without providing appropriate notice and establishing a lawful basis. We do not sell Personal Data, rent it to data brokers, or use it for third-party behavioral advertising.

5. AI processing and automated analysis

When you use AI Features, we process the prompt, relevant conversation history and the minimum Account, portfolio, preference, Market Data or upload context reasonably needed to generate the requested output. This information may be transmitted to one or more AI infrastructure or model processors. We do not intentionally transmit your password, full payment-card number or card security code to AI processors.

AI providers process submitted content to generate and return outputs, apply safety controls, prevent abuse and maintain service security in accordance with our arrangements and their applicable processor obligations. The specific providers and model routes may change. We select processors that provide appropriate data-protection commitments and assess them proportionately to the nature and risk of the processing.

We do not use identifiable prompts, portfolio data or uploaded documents to train general-purpose AI models unless we first provide clear notice and obtain consent where consent is required. We may use aggregated, anonymized or de-identified information that can no longer reasonably identify you to evaluate and improve the Service. We do not permit AI providers to use Personal Data for their independent advertising purposes.

AI Features produce analysis and information for your review. AlphaCouncil does not use AI Features to make a decision that, by itself, creates legal effects or similarly significant effects concerning you. You decide whether and how to use AI Output. Automated security systems may temporarily restrict suspicious activity; you may contact Support for review of a restriction.

You should avoid including unnecessary Personal Data or confidential third-party information in prompts. Portfolio information may reveal financial circumstances and should be treated as sensitive by you even where it does not fall within a statutory category of Sensitive Data.

6. Disclosure and processors

We disclose Personal Data only where reasonably necessary for the purposes described in this Policy, where you direct us to do so, or where law permits or requires disclosure. Recipient categories include:

• Payment services. Moyasar or a successor payment provider processes payment credentials, tokens, transaction status, refunds, fraud signals and disputes. This section does not apply to the current manual-renewal launch. It applies only if a future checkout expressly offers and obtains consent for automatic renewal.
• Hosting and infrastructure. Providers that host applications, databases, backups, content delivery and operational systems.
• AI and model services. Providers that route, host or operate models used to generate AI Output and apply safety controls.
• Authentication services. A third-party sign-in provider, only when you choose that sign-in method.
• Communications services. Providers that deliver verification, password-reset, billing, security and support messages.
• Security and anti-abuse services. Providers used for bot detection, traffic protection, logging, incident response and fraud prevention.
• Professional advisers and authorities. Auditors, accountants, legal advisers, insurers, regulators, courts and public authorities where disclosure is lawful and necessary.
• Corporate transactions. A prospective or actual buyer, investor, lender, successor or restructuring participant, subject to appropriate confidentiality and legal safeguards.

Processors are instructed to process Personal Data only for documented purposes and are required to provide appropriate confidentiality, security, breach-notification, subprocessing and deletion commitments. We remain responsible for selecting and overseeing processors as required by applicable law. A current description of material processor categories and processing locations may be requested through the privacy contact.

7. International transfers

The Service is operated from Saudi Arabia and uses service providers in Saudi Arabia and other countries. Depending on the feature, Personal Data may be stored or processed in the European Economic Area, the United States and other jurisdictions in which our processors or their approved subprocessors operate.

Before transferring Personal Data outside the Kingdom of Saudi Arabia, we assess the purpose, necessity, recipient, country, data categories, risks and minimum data required. We use a transfer basis and appropriate safeguards recognized under the Saudi Personal Data Protection Law and the Regulation on Personal Data Transfer Outside the Kingdom, as applicable. Safeguards may include adequacy decisions, standard contractual clauses or other approved contractual arrangements, binding rules, certifications, or a permitted statutory ground such as necessity for providing a requested service, subject to the applicable conditions.

Where required, we conduct and document transfer risk assessments and apply supplementary technical or organizational measures. No transfer mechanism eliminates all risk, particularly where a foreign authority may have lawful access under its local law. You may contact us for general information about the safeguards applicable to a category of transfer, subject to confidentiality and security restrictions.

8. Cookies and local storage

We use strictly necessary cookies and similar technologies for session management, authentication, security, request integrity and essential preferences. A local-storage item may remember language or interface settings. We do not currently use advertising cookies, cross-site behavioral tracking or analytics cookies. Further details are in the Cookie Policy.

9. Data retention and deletion

We retain Personal Data only for as long as reasonably necessary for the purposes described in this Policy, to provide the Service, comply with legal obligations, resolve disputes, prevent fraud, enforce agreements and maintain security. Retention is determined by the nature and sensitivity of the data, the purpose, the Account relationship, legal requirements and the risk of harm from continued retention.

When retention ends, we securely destroy or irreversibly anonymize Personal Data using methods appropriate to the medium and risk. Where immediate deletion from a resilient backup is not technically feasible, the backup is isolated from ordinary use and the data is deleted when the backup cycles out or is restored, unless law requires preservation.

10. Security

We maintain organizational, administrative and technical measures designed to protect Personal Data against unauthorized access, disclosure, alteration, loss or destruction. Measures are selected based on risk and may include encryption in transit, password hashing, access controls, least-privilege administration, secure session settings, logging and monitoring, network protections, rate limiting, backup controls, vulnerability management, processor due diligence and incident-response procedures.

No system is perfectly secure. You are responsible for using a strong unique password, protecting Account credentials, keeping devices secure and notifying us promptly of suspected compromise. Email and ordinary internet communications may not be secure; do not send sensitive information through an unapproved channel.

If a Personal Data Breach meets the applicable threshold, we will notify the Saudi Data & AI Authority within 72 hours of becoming aware of it, or provide remaining information as soon as possible with reasons for delay, as permitted by law. We will notify affected Data Subjects without undue delay where the breach may cause damage to their data or conflict with their rights or interests, and will provide the information and recommendations required by law.

11. Your rights

Subject to the Saudi Personal Data Protection Law, its Implementing Regulations and lawful exceptions, you may have the right to:

• be informed about the legal basis, purpose and manner of processing;
• access Personal Data held by us and obtain a copy in a clear and commonly used electronic format, subject to protection of other persons’ rights, intellectual property and trade secrets;
• request correction, completion or updating of inaccurate or incomplete Personal Data and, where applicable, restriction while accuracy is verified;
• request destruction of Personal Data where the legal conditions are met;
• withdraw consent at any time where consent is the legal basis, without affecting prior lawful processing;
• object or complain through the channels made available by us and, where applicable, to the competent authority.

To exercise a right, use available Account settings or contact the privacy address below. We may verify your identity and authority before acting. We will respond without undue delay and ordinarily within 30 days. Where implementation requires disproportionate effort or multiple requests are received from the same Data Subject, the period may be extended by up to an additional 30 days, and we will notify you in advance with reasons.

A request may be refused or limited where it is repetitive, manifestly unfounded, requires disproportionate effort, would prejudice another person’s rights, conflicts with a legal obligation, or falls within another statutory exception. We will explain a refusal where required. We do not charge for ordinary requests unless a fee is permitted by law and disclosed in advance.

12. Account deletion

You may request Account deletion through available settings or by contacting Support. Deletion terminates access and triggers the retention and deletion process described above. Before deletion, you should export information you wish to retain. We may require you to cancel a Paid Subscription or may cancel it as part of the confirmed deletion flow. Account deletion does not erase transaction records, legal claims, security records or other information that must or may lawfully be retained.

13. Marketing communications

We do not currently send third-party advertising or sell contact lists. If we introduce direct marketing, we will identify the sender, obtain consent where required, maintain evidence of consent and provide a free and simple opt-out. Withdrawal of marketing consent will not stop transactional, security, billing or legal communications needed to operate the Service.

14. Complaints

Please contact us first so that we can investigate and address a privacy concern. You may also submit a complaint to the Saudi Data & AI Authority through its approved complaint channel. Under the Implementing Regulations, a complaint generally should be submitted within 90 days from the incident or from when you became aware of it, subject to acceptance of a late complaint where reasonable grounds exist.

15. Changes to this Policy

We may update this Policy to reflect legal, regulatory, operational, security or Service changes. The revised version will state its effective date. Where a change materially affects your rights or the manner in which Personal Data is processed, we will provide appropriate notice before the change takes effect and obtain consent where required. Previous versions may be retained for compliance and reference.

16. Language

This Policy may be published in Arabic and English. The versions are intended to be consistent. For Data Subjects in the Kingdom of Saudi Arabia, the Arabic version will prevail to the extent required by applicable law or by a competent Saudi authority or court.

17. Privacy contact

Email: privacy@alphacouncil.tech

Contact page: https://alphacouncil.tech/contact.html

Website: https://alphacouncil.tech

Registered business address and current commercial registration details are displayed in the Merchant Information notice on the Site and on transaction records issued where required by applicable law.

The privacy contact receives Data Subject requests and privacy complaints. This contact designation does not state that AlphaCouncil is legally required to appoint a formal Data Protection Officer unless the statutory appointment criteria apply.

1. Scope and definitions

Capitalized terms not defined here have the meanings given in the Terms of Service. This Policy applies to Paid Subscriptions purchased directly from AlphaCouncil through the Service. Purchases made through a third-party marketplace or reseller may be subject to that provider’s billing and refund process, without limiting non-waivable statutory rights.

2. Contractual 14-day money-back guarantee

AlphaCouncil provides a contractual 14-day money-back guarantee for the first qualifying Paid Subscription purchased by a User. You may request a full refund of the qualifying subscription charge collected during the 14-day period beginning on the date the Paid Subscription first becomes active.

The guarantee applies even if you have sampled paid features, subject to the fair-use and abuse provisions below. It is intended to supplement, not replace, any non-waivable right under applicable consumer law.

• Starting date. The 14-day period starts when your first Paid Subscription becomes active, not when you first use a particular feature.
• Upgrades. An upgrade made during the original 14-day period does not restart or extend the period. A qualifying request may include the most recent subscription charge collected during that original period, subject to any prior refund.
• Renewals. A renewal after the original 14-day period is not covered by the contractual guarantee merely because a new billing period has begun.
• Related Accounts. Creating a new, related or replacement Account does not create a new guarantee where the same person or organization has already used the guarantee or materially equivalent paid access.

3. How to request a refund

Submit a refund request through the billing settings while the self-service option is available or contact Support using the details in Section 12. The request should identify the Account email, transaction date, amount and reason. We may request reasonable information to verify identity, Account control, payment ownership and eligibility.

A request is treated as received when it enters our billing system or Support channel. If a technical issue prevents self-service submission, a timely written request to Support will preserve the request date.

4. Effect of an approved refund

When a full subscription refund is approved, paid access ends when the refund is processed or at another time stated in the confirmation, and the Account may move to the available free tier. Usage allowances, paid-only data and features may become unavailable immediately. Account data is not automatically deleted; deletion is governed by the Privacy Policy.

A refund is normally returned through the same payment method used for the original charge, unless you expressly agree to another lawful method. We submit approved refunds without undue delay and within any period required by applicable law. Moyasar, the card network, your bank or another payment intermediary controls the time required for the credit to appear after submission. Displayed posting estimates are not guarantees.

No refund will exceed the amount actually received for the relevant charge. Payment-processing fees, foreign-exchange differences or bank fees will be handled as required by law and the applicable payment scheme. We do not charge a separate fee to process a valid consumer refund.

5. Cancellation of automatic renewal

You may cancel a Paid Subscription at any time through the billing settings or by contacting Support. Cancellation stops future automatic renewals. Unless a refund is approved or law requires otherwise, you retain paid access until the end of the Subscription Period already paid, after which the Account moves to the available free tier or loses access to paid features. This section does not apply to the current manual-renewal launch. It applies only if a future checkout expressly offers and obtains consent for automatic renewal.

To avoid the next renewal charge, cancellation must be completed before the renewal is processed. A cancellation request received after a renewal may stop later renewals but does not automatically refund the renewal already processed. We will provide an electronic confirmation of cancellation or reflect the cancellation status in the Account.

Deleting the mobile application, ceasing use, removing a payment card or sending a general message does not cancel a Paid Subscription unless the billing system or Support confirms cancellation. Account deletion may cancel an active Paid Subscription only where the deletion flow expressly states that consequence.

6. Renewal charges

Recurring Paid Subscriptions renew at the frequency, price and currency disclosed at checkout and in the Account. Renewal charges outside the initial 14-day guarantee are generally non-refundable because access is made available for the new Subscription Period. This rule does not apply to duplicate charges, unauthorized charges, billing errors, a valid statutory termination right, or another remedy required by law. This section does not apply to the current manual-renewal launch. It applies only if a future checkout expressly offers and obtains consent for automatic renewal.

If you did not intend to renew, contact Support promptly. We may, at our discretion and without creating an ongoing obligation, provide a goodwill refund where there has been minimal use after renewal and the circumstances are reasonable. A discretionary refund in one case does not amend this Policy or require the same result in another case.

7. Saudi statutory rights

Nothing in this Policy limits a non-waivable right under the Saudi E-Commerce Law, its Executive Regulations or another applicable consumer-protection rule. Saudi law may permit a consumer to terminate a service contract within seven days from contracting where the consumer has not used, benefited from or obtained the service, subject to statutory exceptions. AlphaCouncil’s contractual 14-day guarantee is intended to be more favorable for the qualifying initial subscription and applies as stated above.

Where the Service is not supplied, is materially defective, is materially inconsistent with the description provided before purchase, or is delayed beyond a period that gives rise to a statutory termination right, we will provide the remedy required by law. The remedy may include correction, re-performance, cancellation, a pro-rata adjustment or refund, depending on the circumstances and legal requirements.

8. Duplicate, unauthorized and erroneous charges

Contact Support promptly if a charge is duplicated, unauthorized, incorrectly calculated or applied after a confirmed cancellation. We will investigate using Account, acceptance, payment and usage records. Where an error is confirmed, we will void or refund the charge as appropriate. We may require the cardholder to complete verification or work with the issuing bank for an unauthorized transaction.

9. Failed payments and reversals

A failed or reversed payment may result in restriction or suspension of paid features. If a bank reverses a payment after access was provided, the Paid Subscription may be cancelled and the Account may remain restricted until the balance and any lawful costs are resolved. This does not limit a User’s right to raise a good-faith payment dispute.

10. Fair use and refund abuse

We may decline the contractual guarantee, limit repeated refund requests or suspend related Accounts where objective evidence shows fraud or abuse, including repeated subscribe-use-refund cycles, creation of related Accounts to obtain multiple guarantees, extensive automated extraction before refund, false payment claims or chargebacks filed after an agreed refund. We will not rely on this section to deny a valid statutory right or a good-faith complaint.

11. Changes to this Policy

We may update this Policy prospectively. A change will not reduce a refund or cancellation right that accrued before the effective date of the change. Material changes will be notified as described in the Terms of Service.

12. Contact

Email: support@alphacouncil.tech

Contact page: https://alphacouncil.tech/contact.html

Website: https://alphacouncil.tech

Registered business address and current commercial registration details are displayed in the Merchant Information notice on the Site and on transaction records issued where required by applicable law.

1. Scope

This Cookie Policy explains how AlphaCouncil uses cookies, browser storage and similar technologies on the Service. It should be read with the Privacy Policy. Capitalized terms have the meanings given in the Terms of Service or Privacy Policy.

2. What cookies and local storage are

A cookie is a small text file or identifier stored by a browser when a website is used. Cookies may be session cookies, which expire when the browser session ends, or persistent cookies, which remain until their expiry or deletion. Local storage is a browser function that stores limited information on a device without automatically sending it with every request.

Similar technologies may include session identifiers, anti-forgery tokens and security signals used to authenticate a User, preserve request integrity, prevent abuse or remember an essential preference. In this Policy, “essential technologies” refers collectively to those technologies.

3. Essential technologies we use

The exact name, format and duration of an essential identifier may change when we update security, authentication or infrastructure components. We will not use such a change to introduce a materially different purpose without updating this Policy and, where required, obtaining consent.

4. Third-party sign-in and payment pages

If you choose a third-party sign-in method, the authentication provider may use cookies on its own domain to complete login, prevent fraud and apply your provider settings. If a payment flow redirects to or embeds a payment provider’s secure interface, that provider may use technologies necessary to process and secure the transaction. Those technologies are controlled by the relevant provider and governed by its own privacy and cookie notices.

We do not authorize authentication or payment providers to use AlphaCouncil transaction data for unrelated behavioral advertising through the Service.

5. No analytics or advertising cookies

AlphaCouncil does not currently deploy cookies for audience analytics, advertising measurement, retargeting, social-media tracking or cross-site behavioral profiling. We do not display third-party behavioral advertisements. If we introduce a non-essential category in the future, we will update this Policy and implement a consent or preference mechanism where required before activating it.

6. Your controls

Most browsers allow you to view, delete or block cookies and clear local storage. Blocking strictly necessary cookies may prevent Account creation, login, secure billing, preference storage or other core functions. Clearing cookies may sign you out. Clearing local storage may reset the selected language or interface settings.

Because we currently use only essential technologies, the Service may not display a consent banner for optional cookies. This does not limit your browser controls or your rights under the Privacy Policy.

7. Retention and security

Essential identifiers are retained only for their stated purpose and expire, rotate or are deleted according to their function. Authentication and security identifiers are protected through measures such as secure transmission, restricted scope and browser security attributes where appropriate. Local-storage preferences remain on the device until changed or cleared.

8. Changes to this Policy

We may update this Policy when technologies, providers, law or the Service change. The revised version will state its effective date. We will provide notice and request consent before using a new non-essential technology where applicable law requires consent.

9. Contact

Email: privacy@alphacouncil.tech

Contact page: https://alphacouncil.tech/contact.html

Website: https://alphacouncil.tech

Registered business address and current commercial registration details are displayed in the Merchant Information notice on the Site and on transaction records issued where required by applicable law.

1. Scope of this Disclaimer

This AI & Financial Disclaimer applies to all Content and AI Output made available through AlphaCouncil, including dashboards, scores, screeners, portfolio analysis, Adviser interactions, multi-model or Council responses, summaries, comparisons, forecasts, news analysis, alerts and experimental features. It supplements the Terms of Service. If there is a conflict, mandatory law and the Terms of Service govern.

2. Information and education only

AlphaCouncil is a research and educational technology service. It is not a broker, dealer, exchange, investment fund, portfolio manager, custodian, bank, financial adviser, tax adviser, legal adviser or accounting adviser. AlphaCouncil does not execute, arrange, route or settle transactions; receive trade instructions; hold money or securities; manage assets; or monitor a brokerage account on your behalf.

Nothing in the Service is an offer, solicitation, invitation, endorsement or recommendation to buy, sell, subscribe for, hold or otherwise transact in a security, fund, derivative, currency, commodity or other financial product. Nothing is a representation that a transaction, portfolio, strategy or security is appropriate or suitable for you.

Use of portfolio information, risk preferences, time horizon or goals to organize an output does not convert the output into regulated advice or a suitability determination. Any wording that resembles a recommendation, target, action item or ranking must be treated as machine-generated educational commentary, not as a personalized instruction.

3. No advisory, fiduciary or client relationship

Your use of the Service does not create an adviser-client, fiduciary, brokerage, agency, trust, discretionary-management or other professional relationship. AlphaCouncil does not undertake a duty to monitor your investments, update prior outputs, warn you of losses, identify all relevant events, rebalance a portfolio or act in your best interests as a regulated adviser would.

You remain solely responsible for your investment objectives, risk tolerance, liquidity needs, concentration limits, tax position, legal restrictions and decisions. Consider obtaining advice from a professional who is appropriately licensed and able to assess your complete circumstances.

4. AI limitations and hallucinations

AI systems generate outputs by predicting and transforming information. They do not understand facts, markets or your circumstances in the manner of a licensed professional. AI Output may:

• state false or fabricated facts, citations, calculations, prices, dates, events, financial ratios or regulatory information;
• misread a prompt, portfolio, uploaded document, table, ticker, currency or corporate action;
• omit material risks, qualifications, conflicting evidence or recent developments;
• use stale, incomplete, estimated or incorrectly mapped Market Data;
• reflect bias, inconsistent reasoning or unsupported assumptions;
• produce different answers to the same or similar question;
• appear confident, precise or authoritative when the underlying answer is uncertain or wrong.

You must verify important statements, calculations and sources independently. A citation, link, chart or source label generated by an AI system may be incorrect or may not support the claim for which it is cited. Do not assume that an output has been reviewed by a human.

5. Multi-model and Council outputs

A Council, ensemble or multi-model feature may obtain responses from multiple models or agents and synthesize them. Agreement among models does not establish accuracy, independence or consensus among qualified professionals. Models may share training data, repeat the same error, rely on the same Market Data, or be influenced by the same prompt or system context. A final synthesis may omit disagreement or introduce new errors.

6. Market Data, timeliness and third-party information

Market Data may originate from public, licensed or third-party sources and may be delayed, corrected, restated, estimated, incomplete or subject to different update schedules. AlphaCouncil does not operate an exchange and does not guarantee real-time data. A displayed price, valuation, financial statement item, dividend, ownership figure, news event or technical indicator may differ from an official exchange, issuer filing, broker or data terminal.

Market conditions can change before or after an output is generated. AlphaCouncil is not obliged to update an output when data, prices, news, regulation or issuer circumstances change. An alert or absence of an alert is not a guarantee that a relevant event has or has not occurred.

7. Forecasts, scores and scenarios

Scores, ranks, targets, expected returns, risk labels, sentiment indicators, scenarios, technical signals, fundamental assessments and forecasts are analytical estimates. They depend on assumptions, methodologies, selected time periods and available data. They are not promises, guarantees, probabilities certified by a regulator, or statements of future fact.

Historical performance, backtests, model accuracy and prior examples may not reflect live conditions, fees, taxes, liquidity, slippage, execution constraints, market impact or future performance. A strategy that appears successful in historical or simulated data may perform materially worse in practice.

8. Investment risk

All investing involves risk, including loss of principal. Securities may be volatile, illiquid, suspended, delisted or affected by currency movements, interest rates, political events, regulatory changes, issuer defaults, corporate actions and market closures. Smaller or emerging markets may involve additional liquidity, disclosure, governance and concentration risks.

Diversification does not eliminate risk. Stop-losses, targets and alerts may not execute or protect against gaps. Past performance does not predict future results. You should not invest money you cannot afford to lose and should consider independent professional advice before acting.

9. Portfolio uploads and extraction

When the Service extracts holdings or transactions from an image, PDF or statement, recognition errors may occur. The system may confuse similar tickers, omit positions, reverse quantities, misread decimal places, use the wrong currency or date, or fail to account for corporate actions. You must compare extracted data against the original record and correct errors before relying on portfolio analysis.

Do not upload documents you are not authorized to use. Redact unnecessary personal, account and third-party information. AlphaCouncil does not verify ownership of a portfolio or the accuracy of uploaded records.

10. Tax, legal, Sharia and accounting matters

The Service does not provide tax, legal, accounting, audit, zakat, estate-planning or Sharia-compliance advice. Labels or commentary relating to these matters may be incomplete or based on general information and should not be relied upon. Obtain advice from qualified professionals and consult official rules and issuer disclosures.

11. Jurisdiction and regulatory differences

Financial products, permitted activities, disclosure standards and investor protections differ by jurisdiction. Information suitable for one market or class of investor may be unlawful, unavailable or inappropriate elsewhere. You are responsible for compliance with laws and restrictions that apply to you, including securities, sanctions, tax and foreign-investment rules.

12. Beta and experimental features

Beta, preview, experimental and research features may be incomplete, unstable or based on untested models, prompts or data. They may be changed or withdrawn without notice and should not be used for material financial decisions. A label indicating that a feature is experimental is an additional warning and does not reduce the other limitations in this Disclaimer.

13. Required user verification

Before acting on any information from AlphaCouncil, you should, as appropriate:

• check official exchange announcements, issuer filings and current market prices;
• confirm calculations, currencies, dates, corporate actions and assumptions;
• review the complete risk profile and terms of the relevant product;
• consider fees, taxes, liquidity, concentration and execution risks;
• seek advice from a professional licensed for your jurisdiction and circumstances.

14. No warranties and limitation of liability

AlphaCouncil does not warrant the accuracy, completeness, timeliness, reliability, availability or fitness of AI Output, Market Data or financial analysis. The Service is provided subject to the disclaimers and limitations of liability in the Terms of Service. Nothing in this Disclaimer excludes a non-waivable right or liability that applicable law does not permit to be excluded.

15. Contact

Email: support@alphacouncil.tech

Contact page: https://alphacouncil.tech/contact.html

Website: https://alphacouncil.tech

Registered business address and current commercial registration details are displayed in the Merchant Information notice on the Site and on transaction records issued where required by applicable law.

This combined document is provided for administrative convenience. Each policy also exists as a standalone document. The effective version published on the AlphaCouncil Service governs.

These Terms form a binding agreement. By creating an Account, clicking an acceptance button, purchasing a Paid Subscription, or accessing or using the Service, you agree to these Terms, the Privacy Policy, the Refund & Cancellation Policy, the Cookie Policy, and the AI & Financial Disclaimer. Do not use the Service if you do not agree.

This Privacy Policy explains how AlphaCouncil collects, uses, discloses, transfers, retains and protects personal data. It is intended to provide the information required by the Saudi Personal Data Protection Law and its Implementing Regulations. It should be read with the Terms of Service, Cookie Policy and AI & Financial Disclaimer.

Category	Examples	Source
Account and identity data	Email address, optional name, preferred language, market preferences, Account identifiers, acceptance records and Account status.	You; generated by the Service.
Authentication data	Password hash, authentication tokens, login method, recovery information and, if you choose a third-party sign-in option, the basic profile information authorized by you.	You; authentication provider.
Portfolio and preference data	Securities, tickers, quantities, cost basis, transaction dates, watchlists, objectives, time horizon, risk preferences and other information you choose to provide.	You; extracted from User Content at your direction.
Prompts, AI interactions and outputs	Questions, instructions, conversation context, AI Output, model-routing information, feedback, safety flags and usage counters.	You; generated by the Service and AI processors.
Uploads and extracted data	Images, PDFs, screenshots, statements or other files you upload, and information extracted or inferred from them. Uploads may contain account references or information about other persons.	You; automated extraction systems.
Billing and transaction data	Plan, amount, currency, transaction identifier, payment status, renewal and cancellation dates, refund and chargeback records, tokenized payment reference and masked payment information. We do not intentionally receive or store full card numbers or card security codes.	Moyasar or another payment provider; generated by us.
Technical, usage and security data	IP address, device and browser information, operating system, timestamps, requested pages or features, errors, performance logs, session identifiers, rate-limit events, login attempts, abuse indicators and security events.	Collected automatically from your device and the Service.
Communications and support data	Messages, attachments, complaint details, support history, call or correspondence records, and information needed to investigate and respond.	You and our support processes.
Cookie and local-storage data	Strictly necessary session, authentication and security identifiers, and local storage used for language or interface preferences.	Your browser or device.

Purpose	Personal Data involved	Principal legal basis
Create and administer Accounts; authenticate Users; provide dashboards, screening, portfolio tools, AI Features and support.	Account, authentication, portfolio, prompts, uploads, usage and communications data.	Performance of a contract or steps requested before entering a contract.
Process orders, recurring payments, invoices, cancellations, refunds and payment disputes.	Account, transaction, billing, communications and fraud-prevention data.	Performance of a contract; compliance with legal obligations; legitimate interests in payment administration and fraud prevention.
Personalize requested analysis using User-provided holdings, preferences and context.	Portfolio, preference, prompt and usage data.	Performance of a contract; your requested use of the relevant feature.
Protect Accounts and the Service, prevent abuse and fraud, enforce terms, investigate incidents and maintain logs.	Account, technical, usage, security, transaction and communications data.	Legitimate interests in network and information security, fraud prevention and legal protection, following an appropriate balancing assessment; legal obligations where applicable.
Operate, troubleshoot, maintain and improve the Service and evaluate feature performance.	Technical, usage, error, support and, where appropriate, aggregated or de-identified interaction data.	Legitimate interests in reliable and secure service operation; consent where required.
Send transactional communications and legally required notices.	Account, contact, billing and service data.	Performance of a contract; compliance with legal obligations; legitimate interests in service integrity.
Send marketing communications, where introduced and requested.	Contact details and communication preferences.	Consent or another lawful basis expressly permitted by law; you may opt out at any time.
Comply with law, respond to lawful requests, maintain records, establish or defend legal claims.	Relevant categories depending on the request or dispute.	Legal obligations; legitimate interests in legal compliance and protection of rights.

Data category	General retention approach
Account, profile, portfolio and preference data	Retained while the Account is active. After Account deletion, removed from active systems or anonymized without undue delay, subject to legal holds, unresolved disputes, fraud prevention and backup cycles.
Prompts, AI interactions and uploaded files	Retained while available in the Account or as needed to provide the requested feature. You may delete supported history or the Account. Temporary processing copies may persist for a limited operational period.
Transaction, billing, tax and invoice records	Retained for the period required by applicable tax, accounting, commercial, payment and e-commerce laws and for the defence of payment disputes.
Security, access and abuse-prevention logs	Retained for a limited rolling period proportionate to security and fraud risk, and longer where linked to an incident, investigation, legal claim or blocked account.
Support and complaint records	Retained for as long as needed to address the matter, demonstrate compliance, improve support and manage legal claims.
Consent and policy-acceptance records	Retained for as long as needed to demonstrate valid consent, contract formation or compliance, including applicable limitation periods.
Backups	Operational backups are maintained on a rolling cycle, currently up to 14 days. Deleted data may remain inaccessible in backups until the relevant backup expires or is securely overwritten, unless preservation is legally required.

This Policy governs cancellation of Paid Subscriptions and refunds processed by AlphaCouncil. It forms part of the Terms of Service. A cancellation stops future renewal; a refund returns an eligible payment. These are separate actions.

AlphaCouncil currently uses only technologies that are strictly necessary to provide, secure and remember essential settings for the Service. We do not currently use advertising cookies, cross-site behavioral tracking or analytics cookies.

Purpose	Technology	Typical duration	Why it is necessary
Authentication and session management	First-party session or authentication cookie.	Session-only by default; up to approximately 30 days when a “remember me” option is selected.	Keeps a User signed in, associates requests with the correct Account and supports secure logout.
Request integrity and security	First-party anti-forgery or CSRF cookie/token and related security identifiers.	Session or short-lived.	Helps confirm that requests originate from the legitimate session and reduces unauthorized actions.
Bot and abuse prevention	Security signals and, where technically necessary, short-lived identifiers used by our traffic-protection service.	Short-lived and risk-based.	Protects sign-up, login and other endpoints against bots, abuse and automated attacks.
Language and interface preference	Browser local storage.	Until changed or cleared by the User.	Remembers the selected language or essential interface preference on the device.

Do not make an investment or financial decision solely on the basis of AlphaCouncil. The Service provides automated research and educational information only. It does not provide regulated investment advice, personalized financial advice, trade execution, asset management or custody.