ALGORA1

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Legal & Privacy

1. Terms of Service

By creating an account or using ALGORA1 (the "Service"), you agree to these Terms. If you do not agree, do not use the Service.

1.1 Eligibility & accounts

You must be at least 18 and able to form a binding contract. Accounts are created either by signing in with Google or with a username and password of your choosing. Where you use Google we never see, receive or store your Google password; where you set an ALGORA1 password we store only a salted hash of it and cannot recover it. An email address is required when you register with a password, so that a forgotten one can be reset by an emailed single-use link. You are responsible for keeping that sign-in secure and for all activity under your ALGORA1 account. Notify us promptly of any unauthorized use.

1.2 Acceptable use

• Do not redistribute, resell, scrape, or republish market data obtained through the Service except as permitted by the relevant data vendor's terms.
• Do not attempt to access the Service by any means other than the interface we provide, or interfere with its operation or security.
• Do not use the Service to violate any law or any third party's rights.

1.3 No advice; no fiduciary relationship

All content — including charts, indicators, the candle study, strategy signals, Strategy Reports, the strategy leaderboard, and any file you export from the Service — is general information, not investment, legal, tax, or accounting advice, and is not a recommendation or solicitation to buy or sell any security. Every subscriber sees the same strategy output for the same ticker; a signal, score, or leaderboard position means only what the rules computed on past data, not that a security is suitable for you. No fiduciary or advisory relationship is created by your use of the Service.

2. Market Data

Market data is supplied by third-party vendors and may be delayed, incomplete, or inaccurate, and may reflect a single venue rather than the full consolidated market. Data is provided "as is" and "as available." Do not rely on it as the sole basis for any trade. Algorithm signals are model outputs based on historical data; past performance does not guarantee future results.

3. Subscription & Billing

ALGORA1 is a paid subscription: $20 per month. It renews automatically each month until you cancel, and it is charged in advance at the start of each billing period. There is no free trial and no free tier. Market data, charts, the strategy layer, the leaderboard, the static allocations and the briefs are included in the subscription; the two features that call an AI provider — the algorithm builder (§5.5) and the brokerage agent (§6) — are additionally metered on usage and paid for with credit, as described below.

Your subscription includes an allowance of AI credit in each billing period. That credit is added to your balance when the period's payment succeeds, and unused credit rolls over rather than expiring at the end of the month. The amount included, and your current balance, are shown in the terminal. When it runs out you may buy more at any time; extra credit is a one-time purchase on top of the subscription and is not required to keep using the rest of the terminal. Every message you send to either AI feature is charged against that balance, based on what the message cost to process — including one that only asks a question, one you are dissatisfied with, or one whose resulting rules are rejected, because each is a real request to the provider. Beyond the credit included in your plan there is no free allowance.

Payments are processed by Stripe; we do not store your full card details. You can cancel at any time from the billing portal: cancellation stops the next renewal and ends your access at the end of the period you have paid for. It does not delete your account — your watchlist, drawings, saved algorithms and any remaining credit are kept, and resubscribing returns you to the same account. Subscription fees already paid are not refunded for a partial period, and credit has no cash value and is not refundable or transferable once spent, except where a refund is required by law. We may change pricing, or what the subscription includes, on prospective notice.

4. Disclaimers & Limitation of Liability

THE SERVICE AND ALL DATA ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. Trading securities involves substantial risk of loss. To the maximum extent permitted by law, ALGORA1 and its operators will not be liable for any trading losses or for any indirect, incidental, special, consequential, or punitive damages, and our total liability for any claim will not exceed the subscription and credit fees you paid in the three months preceding the claim.

5. Strategy Output, Reports & Automation Exports

The terminal shows what a defined set of rules would historically have done on a ticker, and what a basket of tickers held over the same history would have done with no rules at all (the static allocations). This section explains the limits of that output and of any file you export from it. The Service sends no market alerts of any kind — there is no notification, SMS, or chat delivery of a price move, a signal, or any other market event, and nothing here should be relied on to tell you one happened. The Service sends no text messages at all and holds no mobile number.

5.1 What the strategy layer is

Signals, buy/sell markers, Strategy Reports, the strategy leaderboard, and every figure the static allocations produce — expected return, volatility, simulated years, suggested weights, and the ranked growth baskets — are computed by applying fixed rules or fixed arithmetic to closed historical daily bars. They are model output, not advice, and they are the same for every user — nothing in the Service is personalized to your finances, holdings, risk tolerance, or objectives.

5.2 Results shown are hypothetical

Every trade, P/L figure, ranking, and total in the Service is hypothetical and was computed after the fact. No hypothetical record reflects actual trading, and hypothetical results have inherent limitations: they do not account for commissions, fees, taxes, spreads, slippage, partial fills, borrowing costs, liquidity limits, or the discipline required to follow a rule set through a losing stretch, and they benefit from being applied to a period already known. Prices may come from a single venue rather than the full consolidated market, so a reported fill price may not have been obtainable. Open positions are reported separately from realized results and are marked at the latest available price, not a sale. Past and hypothetical performance does not indicate or guarantee future results, and you should not expect to reproduce any figure shown.

Two limits are worth stating plainly, because they affect every historical figure in the Service. Universe selection. The tickers scored are the S&P 500 as currently composed — companies that left the index, were acquired, or failed are not included, so every security measured is one that remained through the period shown. This survivorship effect flatters aggregate results by an amount we do not estimate. Parameter selection. The strategy's settings were chosen using the same historical period the figures describe, so no figure drawn from that period is an out-of-sample result. The forward record shown in the terminal is accumulated one session at a time after the rules were fixed, and is the only figure in the Service not subject to either limit.

Static-engine figures carry two further limits. They are computed from price history only: dividends are excluded, so the return of any dividend-paying holding is understated by the whole of its yield. And any weight the terminal suggests is the output of an optimisation run against that same history — it is chosen to have compounded well over a period already known, is not a recommendation of position size, and takes no account of your finances, holdings, tax position, or objectives.

5.3 Sharing a strategy

The terminal can render a ticker's rules, or a static basket's holdings and weights, as a Markdown brief. You can share that brief with the brokerage agent described in §6, which reads it and — depending on the mode you have chosen — proposes or places orders in the account you connected. Any allocation, weight, or share count in the brief is a figure you entered or that our optimiser computed from past prices; it is not a recommendation of position size, and it takes no account of your finances, holdings, tax position, or objectives.

A brief is a description of rules, not a promise about them. Automated and AI-driven systems can misread rules, act on stale or bad data, place duplicate or unintended orders, fail silently, or behave in ways their own output does not describe, and live results routinely differ from any model. Nothing in a brief is an instruction from ALGORA1 to trade, and sharing one does not transfer responsibility for the resulting orders to us — see §6.8.

5.4 Third-party names in exports

An export may name brokerages, platforms, or tools for reference when describing how a rule could be expressed. Those names are used for identification only. ALGORA1 is not affiliated with, endorsed by, or acting for any of them, has no arrangement with them regarding your activity, and does not warrant that any described order type is available, permitted, or suitable on any platform. Your relationship with any broker or platform, and its terms, are entirely between you and that firm.

5.5 The builder sends what you submit to Anthropic

This is the one part of the Service that uses artificial intelligence, and the one place your input leaves our servers. When you build an algorithm or a static basket, the text you type or paste — your strategy, your description of the portfolio you want, and the rest of that conversation — is transmitted to Anthropic, the operator of Claude, which reads it and returns either a rule definition (a list of indicators and the buy and sell conditions built from them) or a basket definition (a list of tickers, drawn only from the ones we already offer, and optionally a weight for each). Nothing else in the Service uses AI, and no other feature transmits your input to an AI provider.

What is sent. Only the messages of that conversation. We do not send your username, your email, your Stripe customer reference, your watchlist, your saved drawings, or any other account data alongside it. Do not submit anything you would not hand to a third party — in particular, never paste brokerage credentials, API keys, or account numbers. A strategy does not need them and the builder has no use for them.

What comes back is data, not a program. The result is a set of rules, or a list of tickers, that we validate against a fixed, published grammar — a defined list of technical indicators, comparison operators, and a fill setting, or tickers taken only from the universe we already carry — and then run with the same interpreter that runs our own strategy. Nothing you submit, and nothing the model returns, is ever executed as code — not on our servers and not in your browser. A rule definition that does not fit the grammar is rejected outright and nothing is saved.

It can be wrong, and you must check it. Because the translation is produced by an AI system it may misread your intent, express a condition as a level test when you meant a crossing, or apply a different fill assumption than the platform you took the strategy from — and any of those changes every figure it then produces. The terminal shows you the rules it actually saved, in full, for exactly this reason. Read them, verify them against your own platform, and never trade on them without checking them yourself. Every performance figure produced from an algorithm you build is hypothetical and subject to §5.2 in full.

Retention and training. Anthropic processes the conversation under its own commercial terms and privacy policy, which govern how long it retains that data. We retain the conversation only for the length of your session in the browser; we do not store your builder conversations on our servers. The resulting rule definition is stored on your account so your algorithm persists. Neither we nor Anthropic uses your submissions to train models under the commercial terms this Service operates under.

What it costs. The builder is metered on usage and paid for with AI credit, not bundled into the subscription as an unlimited feature. Your subscription includes an allowance of credit in each billing period (§3), and you can buy more at any time. Every message you send is charged against that balance, based on what that message actually costs us to process, at a published multiple of that cost. This includes messages that only ask a question, that you are unhappy with, or whose rules we end up rejecting — each one is a real request to the provider. A short message costs a little and a long one costs more, so the amount deducted varies and cannot be quoted in advance; the terminal shows your remaining balance at all times and you must hold a small minimum balance to send a message at all. Beyond the credit included in your plan there is no free allowance. Credit rolls over, does not expire while your account is active, has no cash value, and is not refundable or transferable once spent. Running out of credit does not affect the rest of the terminal, which stays available for as long as your subscription is active.

6. Brokerage Agent

This section governs the only part of the Service that can move money. (Except where you connect a paper account, which moves none — see §6.1.) It applies only if you choose to connect a brokerage account. Until you do, nothing in this section is in effect and the rest of the Service behaves as described above.

6.1 Which brokerages, and what connecting does

The Service connects to a limited list of brokerages and to no others. There are two ways it connects, and which one applies to your brokerage changes who holds the connection:

• Directly, through the brokerage's own agent endpoint — Robinhood, Webull, and Public.com. You authorise ALGORA1 at the brokerage itself, and we hold the resulting credential.
• Through SnapTrade, a third-party brokerage-connectivity provider — Alpaca, Tradier, tastytrade, E*TRADE, Charles Schwab, moomoo, and TradeStation. You sign in to your brokerage on SnapTrade's own pages, SnapTrade holds that connection, and ALGORA1 never receives your brokerage password. ALGORA1 instructs your account through SnapTrade. See §6.5.

Paper accounts. Some entries in that list are paper (simulated) accounts — currently Alpaca Paper and TradeStation Paper. They connect the same way and run your strategy through the same rules, the same limits and the same activity log, but they trade simulated funds: no real money moves, no real security is bought or sold, and nothing in them can be withdrawn. They exist so you can watch an automated strategy behave before trusting it with a funded account, and the terminal marks them in grey wherever they appear. A result in a paper account does not predict a result in a real one — simulated fills do not model the queue you would really have stood in, the price you would really have got, or the commissions and taxes you would really have paid. Everything else in §6 applies to a paper account except the parts about your money, because there is none at risk in one.

The terminal shows which brokerages you can actually connect, and that list is what governs. A brokerage named above but not offered in the terminal is not available to you, and nothing here should be read as promising a connection the Service does not currently make. Naming any of these firms is for identification only — ALGORA1 is not affiliated with, endorsed by, or acting for any of them, or for SnapTrade.

What the Service can do differs between them: each firm decides what its own interface permits, and one may let us read an account but not place orders in it, or permit some order types and not others. This is not hypothetical: brokerages reachable for reading but not for trading are deliberately left off the list above, because connecting one would let you deploy a strategy that could never place an order.

Either way, connecting is what grants authority. If you connect an account — by signing in at your broker, by supplying an access credential it issued you, or by signing in through SnapTrade — you authorise ALGORA1 to act on that account on your behalf. From then on, and until you disconnect, the Service can read your balances, buying power, positions, and orders, and can submit orders to your broker. When you connect, the terminal shows you what your connection was actually granted, including how many order tools it has, if any.

We do not open, hold, or custody your account, and we never take possession of your securities or cash. Your broker remains your broker: it accepts or rejects every order on its own terms, and its agreement with you continues to govern that account. An order we submit can still be rejected, delayed, partially filled, or filled at a price you did not expect.

6.2 Two modes, and the difference between them

Autonomous mode is the default. From the moment you connect an account, orders that satisfy the limits in §6.3 are sent to your broker as soon as the agent decides on them — without notice to you and without any further act by you — and the Service selects securities, sides, and sizes on its own within those limits. This is a broad and continuing authority, and connecting an account is what grants it. Do not connect one unless you accept that orders will be placed in your account while you are not watching.

Review mode — you can switch a connected account to review at any time, in which case the agent proposes orders and does nothing else: each order waits for you to approve it, and only what you tick is sent.

6.3 The guardrails, and what they are not

Autonomous mode operates inside limits you configure: a maximum per order, a maximum per day, a maximum number of orders per day and per symbol, a ceiling on how much of the account any one holding may become, a cash floor, a daily-loss level at which trading stops for the day, an optional list of permitted or forbidden tickers, and whether orders may be placed outside the regular session. Short selling is not permitted. These limits are enforced by our software against your live account balances before an order is sent, and an order that would breach one is refused and recorded.

What the guardrails are not. They are a cap on instructions, not a cap on losses. They do not prevent a position from falling in value, do not guarantee an order is priced well or timed well, and do not make a strategy sound. They cannot stop a loss that occurs between orders, overnight, or in a gap. They depend on the account data your broker reports and on market data that may be delayed or wrong, and if that input is wrong the limit computed from it will be wrong too. They are also not a guarantee of execution: when they refuse an order, the trade your strategy called for simply does not happen, and that too can cost you money.

6.4 The market-open check

If you ask the Service to keep a static basket at its weights, it will — on each trading day, shortly after the regular session opens, and while autonomous mode is on — compare your account with those weights and place orders to correct any holding that has drifted beyond the band you set. This runs whether or not you open the terminal that day. It is arithmetic against the weights you accepted, it is subject in full to §6.3, and you can stop it at any time.

6.5 Your credential, and connecting through SnapTrade

The credential that authorises us to reach your broker is encrypted before it is stored and is never sent to your browser or shown to you again. It is used only to read the connected account and to submit orders you or your guardrails authorise. Disconnecting the account deletes it. If you signed in at your broker rather than pasting a credential, you can also revoke our access from your broker, and you should do so if you believe your ALGORA1 account has been compromised.

Connections made through SnapTrade work differently, and you should understand the difference before you make one. For the brokerages listed in §6.1 as SnapTrade connections, you sign in on SnapTrade's own pages, not ours. ALGORA1 never sees or receives your brokerage username or password — SnapTrade holds the connection to your brokerage, and what we store is a secret that lets us instruct SnapTrade, together with which account you connected. We encrypt that secret exactly as above.

This means a third party is in the path. SnapTrade is an independent company with its own terms and its own privacy policy, and your connection to your brokerage is governed by them as well as by these pages. It can read the account you connect and it carries the orders we submit. We are not responsible for SnapTrade's own acts, omissions, availability, or security, and a failure at SnapTrade can stop an order from reaching your broker. Disconnecting in the terminal asks SnapTrade to remove the connection as well as deleting what we hold; if that request fails, your ALGORA1 credential is still deleted, and you can also remove the connection at SnapTrade or at your brokerage directly.

No safeguard is absolute. Storing a credential that can place orders carries risk, and by connecting an account you accept that risk. Tell us immediately, and revoke at your broker, if you suspect unauthorised use.

6.6 What the agent sends to Anthropic

The agent is powered by Claude, operated by Anthropic. This is a material difference from §5.5. The builder sends only text you typed; the agent additionally sends information about your connected brokerage account — balances, buying power, positions, order history, and the contents of any strategy brief you share — because it cannot reason about your account without reading it. Your credential itself is never sent to Anthropic; it stays on our servers and is used only to make the broker request.

If you are not willing for your account holdings to be transmitted to Anthropic, do not connect a brokerage account. There is no version of this feature that works without it.

6.7 Stopping it

You can switch autonomous mode off, stop all trading on a connected account, or disconnect the account entirely, at any time, from the terminal. Stopping takes effect against runs already in progress. It does not cancel or reverse orders already sent to your broker — those are between you and your broker, and you must manage them there.

6.8 You are responsible for the orders

Every order placed in your account through this feature is your order. You authorised the connection, you set the limits, and you chose the mode. ALGORA1 does not guarantee that the agent will act correctly, profitably, at a good price, or at all; it may misread your strategy, misjudge the market, act on stale or incorrect data, place unintended or duplicate orders, or fail silently. It has no knowledge of your finances, tax position, other accounts, obligations, or objectives beyond what you put in front of it, and nothing it does is personalized investment advice or a recommendation.

To the maximum extent permitted by law, ALGORA1 is not liable for any trading loss, missed gain, tax consequence, margin event, or other harm arising from any order placed, refused, delayed, or not placed through this feature, and §4 applies to it in full. If you are not prepared to bear those outcomes, use review mode or do not connect an account.

7. Privacy Policy

7.1 What we collect

• Account data: your display name, and either the email address, name and profile picture Google returns when you sign in, or the username and email address you register with. Where you set a password we store only a salted scrypt hash of it, never the password itself. A reset link is single-use, expires after an hour, is stored only as a hash, and completing a reset invalidates every other outstanding link for that account.
• Terminal data: your saved watchlist, chart drawings, ticker highlights, and display preferences, so your terminal is restored when you sign in.
• Technical & session data: IP address, browser/device info, and server logs used to operate and secure the Service. To enforce one account per subscriber, we store with your session a network prefix derived from your IP address (the first three IPv4 groups, or the first three IPv6 groups) rather than the full address, and compare it when the account is used from elsewhere.
• Feedback you send us: if you submit feedback in the terminal, we store your message, your username, and which ticker you were viewing, and email it to our support address so we can respond.
• Billing data: handled by Stripe. We receive a customer identifier and payment status — not your full card number.
• Brokerage connection (only if you create one): if you connect an account under §6, we store the credential that authorises the connection — encrypted, never returned to your browser — together with the endpoint or, for a SnapTrade connection, the identifier of the account you linked, the guardrails you set, any basket you asked us to keep balanced, and a record of every order proposed, placed, refused, or rejected on that account. We never receive your brokerage username or password by either route, and for SnapTrade connections what we hold authorises us to SnapTrade rather than to your brokerage. Disconnecting deletes it; the order record is retained as described in §7.5.

We do not collect Social Security or tax numbers, dates of birth, or bank account details — the Service has no custody or account-opening function that would require them. We never receive your broker password: you either sign in at your broker or supply a credential it issued you.

7.2 How we use it

To authenticate you, restore and operate your terminal, apply and account for any credit you purchase, answer feedback you send us, secure the Service against abuse, and comply with law. We do not sell your personal information, and we do not use it for advertising.

7.3 Sharing

We share data only with service providers that run the Service on our behalf — notably Stripe (payments), Google (sign-in only — we receive your email address, name and profile picture from Google, and never your Google password), SnapTrade (brokerage connectivity, and only if you connect one of the brokerages listed in §6.1 as a SnapTrade connection — it holds that brokerage connection, receives the orders we submit for it, and returns that account's balances, positions and orders to us), our hosting and infrastructure provider, and our email provider (used to forward feedback you send us) — and when required by law. Each acts under its own terms and privacy policy. Our market-data and historical-data vendors receive only ticker symbols and never your identity or account details. Our internal operational monitoring receives service telemetry (such as error text and load metrics), not account data. Two features transmit to Anthropic, and only these two. The algorithm builder sends only the messages you type in it, never your account data (§5.5). The brokerage agent, if you connect an account, additionally sends information about that account — balances, buying power, positions, order history, and any strategy brief you share — because it cannot act on an account it cannot read (§6.6). Your brokerage credential is never sent to Anthropic. If you do not connect a brokerage account, no account data of yours reaches any AI provider.

7.4 Cookies

We use first-party cookies only, and only ones the Service needs to work: a session cookie (algora1_session) that keeps you signed in, a short-lived cookie that protects the Google sign-in exchange against cross-site request forgery, and a "remember this browser" cookie that lets a browser you recently used be signed back in through Google without showing you a sign-in page. All are strictly necessary; disabling them will prevent sign-in. Signing out clears them. We use no advertising or cross-site tracking cookies.

7.5 Retention & your choices

We retain account data while your account is active and for a reasonable period afterward as needed for legal, security, and accounting purposes. A session stays signed in until you sign out, until you sign in from elsewhere, or until your subscription lapses. You may request access to or deletion of your account data by contacting us; deletion may end your access to the Service.

8. Contact

Questions about these terms or your data: official.admin@algora1.com. The contact page lists the same address by subject, and is reachable without signing in.