Terms of Service

1. AMI Trade is a simulation

AMI Trade is a training and education simulator. It does not offer, solicit, or arrange the sale or purchase of any security, derivative, fund, or other financial product. All trades, portfolios, prices, and returns shown in the app are simulated and do not reflect real investment results.

You cannot buy or sell real assets through AMI Trade. The "Trade" actions in the app place orders against an internal simulation only; no order is ever routed to a brokerage, exchange, or market maker.

2. Not investment, legal, or tax advice

Nothing in AMI Trade is intended to provide investment, legal, tax, or any other professional advice. AMI is not a registered investment adviser or broker-dealer in any jurisdiction. Output from the AMI agents — including ticker analyses, Bull/Bear debates, Trader and Portfolio Manager verdicts, lesson content, and Concierge guidance — is for educational and simulation purposes only.

AMI agent output does not constitute a recommendation to buy, sell, or hold any specific security, and using AMI Trade does not create an advisory, brokerage, or fiduciary relationship between you and AMI.

Investing in real securities involves risk, including the possible loss of some or all of your principal. AMI Trade's educational simulation does not reduce, hedge, or otherwise affect that risk in any way. Any decision to invest real money — whether or not informed by anything you learned or saw in AMI Trade — is yours alone to make, and yours alone to bear the consequences of.

3. AMI agents are AI — output can be wrong

The AMI Concierge and the 12 analyst agents are AI systems. Their output may be inaccurate, incomplete, out of date, or fabricated. The agents may reference companies, prices, or events that do not exist or that no longer exist; they may produce confident-sounding analysis that is, in whole or in part, wrong.

You should not rely on AMI agent output as a sole source of truth or as a substitute for professional advice. Cross-reference any factual claim before acting on it outside the simulation.

AMI agent output — including Portfolio Manager verdicts, mandate-compliance checks, and any other automated assessment — is provided for educational purposes only. By using AMI Trade, you acknowledge and accept that this output may be wrong, and that you are solely responsible for any real-world decision or action you take, or outcome you experience, based in whole or in part on AMI agent output. AMI accepts no responsibility or liability for any such decision, action, or outcome. Automated mandate-compliance checks are a simulation-design feature, built to keep the training exercise consistent with the mandate you set; they are not a guarantee of accuracy and do not create an advisory or fiduciary relationship.

4. Hypothetical-performance disclaimer

Any simulated portfolio performance, win-rate, return, or profit shown in AMI Trade is hypothetical. It does not reflect actual trading and is not a guarantee of future results in real markets. Past simulated performance — yours or anyone else's — is not indicative of how a similar real-money strategy would perform.

5. Acceptable use

You agree not to:

• (a) Use the service for any unlawful or fraudulent purpose
• (b) Scrape, mirror, crawl, or programmatically extract content, agent prompts, lesson copy, or any other material from the app or our infrastructure
• (c) Harass, threaten, impersonate, or harm any other user via shared content (room verdicts shared externally, journal exports, screenshots, etc.)
• (d) Use AMI agent output for commercial purposes — including resale, repackaging, republication, or as training data for any other AI system or machine-learning model
• (e) Attempt to bypass, disable, or interfere with any security feature, rate limit, or paywall in the service
• (f) Use automated tools, bots, or third-party clients to interact with the service except where we have authorised them in writing

6. Subscriptions and credits

Subscription tiers (Floor Pass, Trader, Floor Manager) and one-time credit packs are purchased through Apple In-App Purchase on iOS and Google Play Billing on Android. Billing, renewals, and most refunds are governed by the relevant platform store's policies, not by AMI.

• Subscriptions auto-renew unless you cancel them through your platform account at least 24 hours before the end of the current period.
• Credits, once consumed, are non-refundable. Unused credits at the end of a subscription period roll over according to the rules described in the in-app pricing screen.
• Where the platform store grants you a refund for a subscription, the corresponding entitlements in AMI Trade are revoked.

7. Your content, your ownership

You retain ownership of your journal entries, chat messages with agents, Brief Your Agent feedback, and bug reports.

You grant AMI a non-exclusive, worldwide, royalty-free licence to host, store, display, and process your content for the sole purpose of operating, securing, supporting, and improving the service. This licence ends when the content is deleted (whether by you or via our retention rules in the Privacy Policy), with reasonable allowance for backup retention.

We do not claim a perpetual or irrevocable licence over your content, and we will not use your content to train AI models for any other product.

8. Our intellectual property

The AMI Trade app, the AMI Hex-Reinforced Precision design system, the 12-agent framework, the agent prompts, the lesson content, the glossary, the AI Coach corpus, the daily-challenge corpus, and all related text, audio, video, graphics, and code are owned by AMI or its licensors and protected by copyright, trademark, and other intellectual-property laws.

You receive a limited, personal, non-exclusive, non-transferable licence to use the AMI Trade app on your own devices as permitted by these Terms. No other right or licence is granted, expressly or by implication.

9. Anonymous accounts and the claim flow

You may use AMI Trade with an anonymous account (the default on first launch) or claim a permanent account via Sign in with Apple or Sign in with Google.

• While anonymous, your data is bound to a device-generated identifier (see the Privacy Policy, clause 1).
• On claim, your anonymous-era data (journal, simulated portfolio, lesson progress, agent conversations) is migrated to your claimed account.
• Once an anonymous identifier has been claimed, it cannot be re-used. The migration is one-way.
• If you lose access to a device that holds an unclaimed anonymous account, the data on that account is not recoverable.

10. Termination

We may suspend or terminate your access to AMI Trade if you violate these Terms, if your use of the service creates a security or legal risk to us or to other users, or if we are required to do so by law. Where the circumstances allow, we will give notice before suspension or termination.

You may delete your account at any time from the in-app settings, or via our account deletion page. Deletion removes your account-level data subject to the retention rules in the Privacy Policy.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AMI'S AGGREGATE LIABILITY FOR ANY CLAIM ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO AMI IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD $100.

IN NO EVENT WILL AMI BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, GOODWILL, OR HYPOTHETICAL INVESTMENT GAINS, EVEN IF AMI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Where a jurisdiction's mandatory consumer-protection law does not permit the limitations above, the limitations apply to the maximum extent permitted by that law.

12. Disclaimer of warranties

AMI Trade is provided "as is" and "as available", with all faults. To the maximum extent permitted by law, we disclaim all warranties of any kind, whether express, implied, or statutory, including without limitation the warranties of accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, secure, error-free, or that any data produced by the AMI agents is accurate or up to date.

13. Changes to these Terms

We may update these Terms. For material changes — changes that meaningfully expand the restrictions placed on you, change the price model, or narrow your rights — we will give you at least 14 days' notice before they take effect. Notice will be given via an in-app banner or by email to the address tied to your claimed account.

If you do not accept the updated Terms you must stop using the service. Continued use after the effective date constitutes acceptance.

14. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless AMI, its founder, and its personnel from any third-party claim, damage, liability, cost, or expense (including reasonable legal fees) arising out of or related to:

• (a) your use of AMI Trade in violation of these Terms;
• (b) any real-world decision you make, or action you take, based on AMI agent output, outside the simulation;
• (c) content you submit through the service; or
• (d) your violation of any law or the rights of a third party.

This clause does not apply to claims arising from AMI's own breach of these Terms, gross negligence, or wilful misconduct, and does not limit any non-waivable consumer-protection right you have under the law of your country of residence.

15. Reputation, streaks, and weekly leagues

AMI Trade operates weekly reputation leagues, activity streaks, and related competitive features (the "Competition"). Participation is governed by the Competition Rules, a standalone document incorporated into these Terms by reference.

The Competition Rules do not create a separate dispute-resolution process, governing law, liability cap, or indemnity obligation. Clauses 1–4, 11, 12, and 14 of these Terms apply to the Competition exactly as they apply to the rest of the service. Where the Competition Rules are silent on a matter these Terms address, these Terms control.

16. Governing law

These Terms, and any dispute arising out of or relating to them or your use of AMI Trade, are governed by the laws of Malaysia, without regard to its conflict-of-laws principles.

This clause states the substantive law that applies to your agreement with AMI. It does not designate a court, does not require you to bring or defend a claim in any particular location, and does not itself constitute an arbitration agreement. It does not limit any mandatory consumer-protection right you have under the law of your country of residence, including your right to bring a claim before your local courts or regulator where that right cannot be waived.