Terms of Service

Effective date: March 1, 2026 · Last updated: March 1, 2026

These Terms of Service (“Terms”) govern your access to and use of Capitalyx (“Service”), operated by Ase Studios, LLC, New York, NY (“we”, “our”, or “us”). By accessing or using the Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account or using Capitalyx, you confirm that you are at least 18 years old, have the authority to enter into this agreement, and agree to these Terms and our Privacy Policy.

2. Acceptable Use

You agree not to use Capitalyx to:

• Redistribute, resell, or commercialize AI-generated insights as financial advice to third parties without explicit written permission
• Upload or process financial data you do not have the legal right to use
• Attempt to reverse-engineer, scrape, or extract the underlying models or algorithms
• Violate any applicable law, regulation, or third-party rights
• Use the Service to deceive investors, lenders, or other parties with fabricated financial projections
• Circumvent account limits, security measures, or access controls
• Use automated bots or scripts to access the Service without authorization

3. Subscriptions & Billing

Capitalyx offers a 14-day free trial. After the trial period, continued access requires a paid subscription plan.

• Auto-renewal: Subscriptions automatically renew at the end of each billing cycle (monthly) unless cancelled before the renewal date.
• Pricing: Starter ($49/mo), Pro ($149/mo), Enterprise ($499/mo). Prices may change with 30 days notice.
• Upgrades: Plan upgrades take effect immediately. You will be charged a prorated amount for the remainder of the billing period.
• Downgrades: Take effect at the end of the current billing period.
• Cancellation: You may cancel at any time through the billing portal. Access continues until the end of the paid period.

4. Refund Policy

All payments are non-refundable. We do not offer refunds for partial billing periods, unused features, or cancellations mid-cycle. You may cancel at any time to prevent future charges, and you retain access through the end of your paid period.

Exceptions may be made at our sole discretion in cases of significant service outages or billing errors. Contact support@capitalyx.com for billing disputes.

5. Not Financial Advice

Capitalyx provides financial modeling tools, not financial advice. All forecasts, projections, AI insights, and scenario outputs are based on data you input and are for simulation purposes only. They do not constitute:

• Investment advice or recommendations to buy, sell, or hold any asset
• Tax advice or tax planning guidance
• Legal advice
• Accounting or auditing services

Always consult a qualified financial advisor, accountant, or attorney before making significant business or financial decisions.

6. Intellectual Property

The Capitalyx platform, including its code, design, models, and branding, is owned by Capitalyx and protected by intellectual property laws. You retain ownership of all data you input into the platform.

By using the Service, you grant us a limited license to process your data solely to provide the Service as described.

7. Limitation of Liability

To the maximum extent permitted by law, Capitalyx shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost revenue, or loss of data, arising from your use of or inability to use the Service.

Our total liability to you for any claims arising from these Terms or the Service shall not exceed the total amount you paid to us in the 12 months preceding the claim.

8. Service Availability

We strive for 99.9% uptime but do not guarantee uninterrupted access. Scheduled maintenance will be communicated in advance when possible. We are not liable for outages caused by third-party services (Clerk, Stripe, Neon, etc.) or force majeure events.

9. Termination

We reserve the right to suspend or terminate your account immediately if you violate these Terms, engage in fraudulent activity, or if required by law. Upon termination, your access to the Service will cease and we will delete your data per our Privacy Policy.

10. Changes to Terms

We may update these Terms. We will notify you of material changes via email at least 14 days before they take effect. Continued use of the Service after changes constitute acceptance.

11. Governing Law & Disputes

These Terms are governed by the laws of the State of New York, United States, without regard to conflict of law provisions.

12. Contact

For legal inquiries or Terms-related questions: