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Terms of Service

Last updated: June 2025

1. About Alistair

Alistair (“the Service”) is an AI-powered wealth management tool that provides informational guidance on investment strategy, tax planning, estate planning, retirement planning, risk management, and insurance analysis. The Service is owned and operated by Alistair (“we,” “us,” or “our”).

2. Not Financial Advice

Alistair is an artificial intelligence tool, not a human financial advisor. The information provided by the Service is for educational and informational purposes only. It does not constitute financial advice, investment advice, tax advice, legal advice, or any other type of professional advice.

We are not a registered investment advisor, broker-dealer, certified financial planner (CFP), certified public accountant (CPA), or attorney. You should consult with a qualified professional before making any financial, investment, tax, or legal decisions. Do not rely on the Service as a substitute for professional guidance.

3. No Fiduciary Relationship

Use of the Service does not create a fiduciary relationship, an advisor-client relationship, or any other professional relationship between you and Alistair. We do not owe you any fiduciary duty.

4. Accuracy and Limitations

Alistair uses large language models (LLMs) that may produce inaccurate, incomplete, or outdated information. You should independently verify any information before acting on it. We make no warranties regarding the accuracy, completeness, or timeliness of any information provided by the Service.

Tax brackets, estate tax exemptions, contribution limits, and other regulatory figures referenced by the Service may become outdated. Always confirm current figures with official sources or a qualified professional.

5. User Responsibilities

By using the Service, you agree that:

  • You will not share sensitive personal identifiers such as Social Security Numbers, bank account numbers, credit card numbers, or passwords in chat messages.
  • You are responsible for the accuracy of information you provide to the Service.
  • You will not use the Service for any illegal activity, including tax fraud or money laundering.
  • You are at least 18 years old and capable of entering into a binding agreement.

6. Account and Billing

The Service offers free and paid subscription tiers. Paid subscriptions are billed through Stripe and are subject to Stripe's terms of service. You may cancel your subscription at any time through the billing dashboard. Refunds are handled in accordance with our refund policy.

New accounts receive a 7-day free trial of Pro features. At the end of the trial, your account will automatically convert to the free tier unless you subscribe to Pro.

7. Privacy and Data

Your use of the Service is also governed by our Privacy Policy. We do not sell your personal or financial data. We do not use your conversations or uploaded documents to train AI models. Your data is stored securely and is only visible to you.

8. Third-Party Services

The Service integrates with third-party providers including but not limited to DeepSeek (AI model), Supabase (database and authentication), and Stripe (payment processing). We are not responsible for the availability, accuracy, or practices of these third-party services.

9. Limitation of Liability

To the fullest extent permitted by law, Alistair and its owners, operators, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use the Service, including but not limited to financial losses, investment losses, or tax penalties.

10. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or through the Service. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

11. Governing Law

These Terms are governed by the laws of the United States and the state in which Alistair operates, without regard to conflict of law principles.

12. Contact

If you have questions about these Terms, please contact us at legal@heyalistair.com.