Terms of Service

Welcome to AdvisoryBriefings. These Terms of Service ("Terms") constitute a legally binding agreement between you and AdvisoryBriefings ("we," "us," or "our") regarding your use of https://advisorybriefings.com (the "Website") and all associated services (collectively, the "Services").

IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE OUR SERVICES. Your continued use constitutes acceptance of any updates or modifications.

• "Advisor" / "RIA": A Registered Investment Advisor or investment advisory firm using our Services.
• "Client": An end-client of an Advisor who receives briefings through our platform.
• "Content": All briefing scripts, audio files, documents, and communications generated or transmitted through the Services.
• "Dashboard": The web-based interface through which Advisors manage their account and review briefings.
• "AI Providers": Third-party artificial intelligence services, including but not limited to OpenAI and ElevenLabs.

You must be at least 18 years old and legally capable of entering into contracts to use our Services. By registering, you represent and warrant that:

• All information you provide is accurate, current, and complete.
• You are authorized to act on behalf of your firm and bind it to these Terms.
• You hold all necessary licenses and registrations required to provide investment advice in your jurisdiction.
• You will maintain the security of your account credentials and notify us immediately of any unauthorized access.

We reserve the right to suspend or terminate accounts that provide false information or violate these eligibility requirements.

AdvisoryBriefings provides an AI-powered platform that generates daily audio and text briefings for investment advisors to share with their clients. Our Services include:

• Automated market news aggregation and summarization
• AI-generated briefing scripts tailored to client interests
• Text-to-speech synthesis, including optional voice cloning
• WhatsApp delivery integration with archiving
• Advisor dashboard for content review and approval
• Document ingestion (PDF statements, CIO commentaries)
• Multi-language briefing generation

We do not provide investment advice, financial planning, or securities recommendations. Our platform generates informational content only. The Advisor retains full responsibility for all investment advice provided to clients.

Access to our Services requires a paid subscription. By subscribing, you agree to:

• Pay all fees associated with your selected plan, billed monthly or annually in advance.
• Provide valid payment information and authorize us to charge your payment method.
• Accept that fees are non-refundable except where required by law or at our sole discretion.
• Understand that upgrades take effect immediately and downgrades take effect at the next billing cycle.

We may change subscription fees upon 30 days' notice. Your continued use after a fee change constitutes acceptance. Annual plans are billed upfront and include approximately two months free.

As an Advisor using our platform, you agree to:

• Review All Content: AI-generated briefings must be reviewed and approved through the Dashboard before delivery to clients. You are solely responsible for the accuracy, suitability, and compliance of all delivered content.
• Client Consent: Obtain all necessary consents from clients for WhatsApp communication, voice cloning (where applicable), and data processing.
• Accurate Tagging: Ensure client interest tags and portfolio data are accurate to prevent misdirected or inappropriate content.
• Maintain Licenses: Keep all required securities licenses and registrations current.
• Compliance Oversight: Designate a compliance officer or supervisor responsible for reviewing platform use within your firm.
• No Misrepresentation: Do not represent AI-generated content as personally authored unless you have reviewed and approved it.

Our Services use artificial intelligence to generate briefing content. You acknowledge and agree that:

• AI-generated content may contain errors, omissions, or outdated information. You must verify all facts, figures, and market data before approving content for delivery.
• Our platform includes a mandatory human review step. No AI-generated content is delivered to clients without explicit advisor approval.
• We do not guarantee the accuracy, completeness, or timeliness of AI-generated content. The Advisor assumes all liability for content delivered to clients.
• Voice cloning technology reproduces vocal characteristics but does not constitute identity verification or personal endorsement.

Your Data: You retain full ownership of all client data, documents, voice samples, and proprietary firm materials uploaded to our platform. We claim no ownership rights over your data.

License to Us: You grant AdvisoryBriefings a limited, non-exclusive, royalty-free license to use, process, and store your data solely to provide the Services. This license terminates when you delete the data or close your account, except where we are legally required to retain records.

Our Platform: All software, algorithms, user interfaces, and platform infrastructure are owned by AdvisoryBriefings and protected by intellectual property laws.

AdvisoryBriefings is designed to support Advisors' compliance with U.S. securities regulations. However, you understand and agree that:

• No Compliance Guarantee: We do not guarantee that use of our platform will ensure compliance with SEC, FINRA, state, or other regulatory requirements. Compliance remains your sole responsibility.
• SEC Rule 204-2: We facilitate recordkeeping by archiving communications to your Smarsh or Global Relay account. You are responsible for ensuring your archiving configuration meets regulatory standards.
• SEC Marketing Rule: All marketing content must be reviewed for accuracy, balance, and substantiation before delivery. Our platform provides tools to support this review but does not replace your compliance process.
• Fiduciary Duty: Nothing in these Terms or our Services relieves you of your fiduciary duty to clients under the Investment Advisers Act of 1940.
• Examination Support: We provide audit logs and records access to support regulatory examinations, but you are responsible for responding to regulatory inquiries.

You agree to use our Services in compliance with all applicable artificial intelligence regulations, including:

You may not use our Services to:

• Violate any applicable law, regulation, or securities industry rule.
• Transmit content that is fraudulent, defamatory, obscene, or infringing on third-party rights.
• Reverse engineer, decompile, or attempt to extract source code from our platform.
• Use automated scripts, bots, or scrapers to access or interact with our Services.
• Interfere with platform security, authentication, or encryption mechanisms.
• Upload viruses, malware, or other harmful code.
• Share account credentials or allow unauthorized access to your Dashboard.
• Use the platform to provide investment advice without appropriate licensure.

Violation of these prohibitions may result in immediate account termination, legal action, and reporting to relevant authorities where required by law.

The Website, Services, and all original content, features, and functionality are owned by AdvisoryBriefings and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit our intellectual property without express written permission. The AdvisoryBriefings name, logo, and branding are our trademarks and may not be used without authorization.

Feedback you provide about our Services may be used by us without restriction or compensation.

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM:

• All implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Warranties that our services will be uninterrupted, timely, secure, or error-free.
• Warranties regarding the accuracy or reliability of AI-generated content, market data, or third-party news sources.
• Warranties that our platform will meet your specific compliance requirements or regulatory obligations.

No advice or information obtained from our support team creates any warranty not expressly stated in these Terms.

TO THE FULLEST EXTENT PERMITTED BY LAW, ADVISORYBRIEFINGS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages.
• Loss of profits, revenue, data, business opportunities, or client relationships.
• Damages arising from AI-generated content errors, market data inaccuracies, or delivery failures.
• Damages arising from your failure to review, approve, or comply with regulatory requirements.

Our total liability for any claim arising from these Terms or your use of the Services shall not exceed the total amount you paid to us in the 12 months preceding the claim. Some jurisdictions do not allow the exclusion or limitation of certain damages, so these limitations may not apply to you.

You agree to indemnify, defend, and hold harmless AdvisoryBriefings and our officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with:

• Your access to or use of the Services.
• Content you upload, approve, or deliver through our platform.
• Your violation of these Terms or any applicable law or regulation.
• Your negligence, misconduct, or breach of fiduciary duty.
• Any dispute between you and your clients or regulators.

By You: You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period.

By Us: We may suspend or terminate your access immediately if you breach these Terms, engage in prohibited conduct, or if required by law or regulatory action.

Effect of Termination: Upon termination, your right to use the Services ceases immediately. We will retain records as required by law (including SEC Rule 204-2) but will delete your other data in accordance with our Privacy Policy. Sections that by their nature should survive termination (including IP, disclaimers, limitation of liability, and indemnification) will survive.

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any dispute arising from these Terms or your use of the Services shall first be addressed through good-faith negotiation. If unresolved, disputes shall be submitted to binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in San Francisco, California. Judgment on the award may be entered in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent irreparable harm.

If you are a consumer in the European Union, you retain the right to bring claims in the courts of your country of residence, and mandatory consumer protection laws of your jurisdiction shall apply where they provide greater protection.

We may modify these Terms from time to time. Material changes will be notified via email and a prominent notice on the Website at least 30 days before taking effect. Your continued use after the effective date of changes constitutes acceptance. If you do not agree to the modified Terms, you must stop using the Services.

For questions about these Terms, legal inquiries, or regulatory concerns, contact: