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Terms of Service

Effective Date: November 24, 2025
Last Updated: November 24, 2025

1. Agreement to Terms

By accessing or using AI Advisor Lab™ ("we," "our," or "us"), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Description of Services

AI Advisor Lab provides AI-powered advisory services including:

3. User Eligibility

To use our services, you must:

4. Service Scope and Limitations

4.1 What We Provide

4.2 Service Limitations

5. AI-Generated Content Disclaimer

⚠️ Important: AI-Generated Content

All content generated by our AI systems is for informational and advisory purposes only. You understand and agree that:

6. Professional Disclaimers

🚫 Legal Advice Disclaimer

ABSOLUTELY NOT LEGAL ADVICE: AI Advisor Lab and its AI systems DO NOT provide legal advice, legal opinions, or legal representation. No attorney-client relationship is established. AI-generated legal insights are PURELY informational and educational. Users MUST consult qualified, licensed attorneys for ANY legal matters, decisions, or document preparation. Failure to obtain proper legal counsel may result in severe legal and financial consequences.

💰 Financial Advice Disclaimer

ABSOLUTELY NOT FINANCIAL ADVICE: AI Advisor Lab is NOT a registered investment advisor, financial planner, or securities dealer. Our services DO NOT constitute investment advice, financial planning, accounting services, or securities recommendations. AI-generated financial insights are PURELY educational. Users MUST consult licensed financial professionals, registered investment advisors, or certified financial planners for ALL investment decisions, financial planning, and securities transactions.

🏥 Medical/Health Disclaimer

ABSOLUTELY NOT MEDICAL ADVICE: AI Advisor Lab services are NEVER intended for medical diagnosis, treatment, or healthcare decisions. Our AI systems are NOT medical devices and have NOT been evaluated by the FDA. AI-generated health-related content is PURELY informational. Users MUST consult licensed medical professionals, physicians, or healthcare providers for ALL health matters, medical decisions, and treatment options. Do NOT use our services for medical emergencies.

🏭 Professional Licensing Disclaimer

NO PROFESSIONAL LICENSES: AI Advisor Lab does NOT hold professional licenses in law, medicine, finance, accounting, engineering, or other regulated professions. Our AI systems are informational tools only. Users requiring professional services MUST engage appropriately licensed practitioners. We do NOT provide professional services subject to professional liability insurance, regulatory oversight, or professional standards.

⚖️ Liability Limitation for Professional Advice

MAXIMUM LIABILITY PROTECTION: Under no circumstances shall AI Advisor Lab be liable for consequences arising from users' reliance on AI-generated content in professional domains. Users acknowledge that professional decisions require human expertise and assume all risks of implementation. Our liability is limited to the fees paid for services, not to exceed $100 in any case.

7. User Responsibilities

You agree to:

8. Prohibited Uses

You may NOT use our services to:

9. Intellectual Property Rights

9.1 Our Intellectual Property

9.2 Your Content

10. Payment Terms

10.1 Pricing

10.2 Payment

10.3 Refunds

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

12. Indemnification

You agree to indemnify and hold us harmless from claims arising from:

13. Data Processing and Privacy

We process user data in accordance with our Privacy Policy. Key points:

14. Service Availability

15. Termination

15.1 By You

You may terminate your account at any time by contacting us at info@aiadvisorlab.ai

15.2 By Us

We may terminate or suspend your access immediately if you:

16. Governing Law and Disputes

17. Changes to Terms

We reserve the right to modify these terms with 30 days notice. Changes will be communicated through:

Continued use after changes constitutes acceptance of modified terms.

18. Severability

If any provision of these terms is found unenforceable, the remaining provisions will continue in full force and effect.

19. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and AI Advisor Lab™.

20. Contact Information

Email:info@advisorlab.ai

AI Advisor Lab™

Document Version: 1.0
Last Review: November 24, 2025