Terms of Service

dollarcostaverage.ai ("Service," "Platform," "we," "us," or "our") provides an automated dollar-cost averaging investment platform. The Service allows you to create recurring investment plans that automatically execute buy orders for stocks, ETFs, and cryptocurrencies on your behalf through our brokerage partner, Alpaca Securities LLC.

All securities transactions are executed through Alpaca Securities LLC, a registered broker-dealer and member of FINRA and SIPC. dollarcostaverage.ai itself is not a broker-dealer, investment adviser, or financial institution.

To use dollarcostaverage.ai, you must:

• Be at least 18 years of age;
• Be a legal resident of the United States;
• Have a valid SSN or ITIN;
• Be able to pass identity verification and KYC requirements as mandated by Alpaca Securities LLC;
• Not be a person barred from receiving investment services under the laws of the United States.

dollarcostaverage.ai charges a per-trade commission on each executed order, calculated as a percentage of the notional order value, expressed in basis points (bps).

The current commission rate and detailed fee information are published on our Fee Schedule page. We reserve the right to change our fee structure with prior notice. Commission fees are deducted at execution and are non-refundable.

There are no fees for account creation, investment management, or account closure.

By using our Service, you acknowledge and accept:

• Market risk: Investment values may fluctuate and you may receive back less than invested.
• No guaranteed returns: Past performance does not guarantee future results. Dollar-cost averaging does not ensure profit.
• Cryptocurrency risk: Crypto markets are highly volatile and largely unregulated. Not protected by SIPC or FDIC.
• Liquidity risk: Some securities may be difficult to sell at a desired price.
• Technology risk: System outages or software bugs may prevent expected order execution.

dollarcostaverage.ai does not provide investment advice. You are solely responsible for your investment decisions.

To the fullest extent permitted by law, dollarcostaverage.ai shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses, resulting from:

• Your use of or inability to use the Service;
• Unauthorized access to or alteration of your data;
• Conduct of any third party on the Service, including Alpaca Securities LLC;
• Market losses, failed executions, or delays in order processing.

Total liability shall not exceed the total fees paid by you during the twelve (12) months preceding the claim.

You agree to indemnify, defend, and hold harmless dollarcostaverage.ai and its affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of your use of the Service, violation of these Terms, or violation of any third-party rights.

We reserve the right to modify these Terms at any time. Material changes will be communicated at least 30 days before taking effect. Continued use after the effective date constitutes acceptance of the updated Terms.

You may terminate your account at any time by pausing all active plans and contacting us. We may terminate or suspend your account for any reason, including violation of these Terms, suspected fraud, or regulatory requirements.

Upon termination, all pending investments will be paused. Orders already submitted to Alpaca Securities LLC will be processed per their standard procedures. You remain responsible for fees incurred prior to termination.

These Terms shall be governed by the laws of the State of Delaware, without regard to its conflict of law provisions. Disputes shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.