Terms of Service

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.

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.