Please read these Terms carefully. Section 14 (Dispute Resolution) contains a binding arbitration agreement and a class-action waiver. Section 14.6 gives you a 30-day window to opt out of arbitration. Section 12 caps our aggregate liability.
These Terms of Service (“Terms”) govern your access to and use of the Atlas website, web applications, APIs, and related services (collectively, the “Service”). The Service is operated by the Atlas team (“Atlas,” “we,” “us,” or “our”). By creating an account, uploading data, or otherwise accessing or using the Service, you (“you,” “user”) agree to be bound by these Terms and by our Privacy Policy and Educational Use & Investment Disclaimer, each of which is incorporated here by reference.
1. The Service
Atlas is an educational research tool that computes analytics on portfolio trade ledgers you upload or manually enter. Atlas is not an investment adviser, broker-dealer, bank, financial planner, tax professional, or insurance agent. See the Disclaimer for the full scope of what Atlas is and is not.
2. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction of residence, whichever is higher) to use the Service. By using Atlas you represent and warrant that (a) you meet this age requirement, (b) you have the legal capacity to enter into these Terms, (c) you are not a resident of any jurisdiction or a person listed on any United States government list of sanctioned, denied, or restricted parties (including OFAC’s Specially Designated Nationals list or similar), and (d) you will not use the Service on behalf of any such jurisdiction or party.
3. Your account
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us promptly via our contact form if you suspect unauthorized access. We use a third-party identity provider (Clerk, Inc.) to handle authentication; your relationship with Clerk is governed by Clerk’s own terms and privacy policy in addition to ours.
4. Your content and license grant
You retain all rights, title, and interest in the trade ledgers, portfolio data, Investment Policy Statement inputs, scenarios, and other content you submit to the Service (“User Content”). You grant Atlas a worldwide, royalty-free, non-exclusive, non-sublicensable, revocable license to host, store, process, transmit, and display User Content solely for the purpose of providing, maintaining, and improving the Service for you. We do not sell User Content. We do not train third-party machine-learning models on User Content. See the Privacy Policy for details on data handling.
5. Acceptable use
You agree not to:
- Use the Service for any unlawful purpose or in violation of any applicable law, regulation, or contractual obligation;
- Upload data you do not have the right to upload, including any personal data of a third party you are not authorized to submit;
- Hold Atlas out as your investment adviser, broker, fiduciary, or other regulated financial professional;
- Use Atlas outputs as an input to automated trading, portfolio management software used in a client-facing capacity, tax filings, regulatory filings, or any system whose operation requires audited-quality data;
- Reverse-engineer, decompile, disassemble, or attempt to extract the source code, models, or algorithms underlying the Service, except where such prohibition is unenforceable under applicable law;
- Access the Service via automated means (scrapers, bots, crawlers, headless browsers) except as permitted by a published Atlas API or in accordance with
robots.txt; - Probe, scan, or test the vulnerability of the Service, or attempt to breach its authentication, rate limiting, or other security controls, without our prior written permission;
- Interfere with, degrade, or impose disproportionate load on the Service;
- Resell, sublicense, rent, or commercially redistribute access to the Service without our prior written permission;
- Use the Service to develop a competing product, or to benchmark the Service except as specifically permitted in writing;
- Transmit any malware, phishing link, or other harmful code through the Service.
6. Third-party data and services
The Service incorporates data from third-party sources (including market-data providers such as Yahoo Finance via yfinanceand FRED) and relies on third-party infrastructure (including Vercel, Clerk, Upstash/Redis, Resend, and Anthropic). Atlas makes no warranty as to the availability, accuracy, completeness, or timeliness of third-party data or services. Your use of any third-party service may be governed by that third party’s own terms.
7. Fees and billing
Some features of the Service may be offered on a paid subscription basis. Pricing, billing cycle, payment processor, and refund policy will be disclosed at the point of purchase. We may change pricing with at least 30 days’ notice via email or in-product notification. Continued use after the effective date of a price change constitutes acceptance.
8. Intellectual property
The Service, including its design, code, documentation, logos, and all other materials produced by Atlas (“Atlas IP”), is owned by us or our licensors and is protected by copyright, trademark, trade-secret, and other intellectual-property laws. You receive no rights in Atlas IP other than the limited, revocable right to use the Service per these Terms.
9. DMCA / copyright complaints
If you believe material accessible through the Service infringes your copyright, you may submit a notice under the Digital Millennium Copyright Act (17 U.S.C. § 512) through our contact form with subject line “DMCA.” Your notice must include: a signature of the copyright owner or authorized agent; identification of the copyrighted work; identification of the allegedly infringing material with a URL; your contact information; a statement of good- faith belief that the use is unauthorized; and a statement, under penalty of perjury, that the information is accurate and that you are authorized to act. We will respond in accordance with the DMCA, which may include removing the material, notifying the poster, and terminating repeat infringers. Our designated DMCA agent is identified on request via the contact form.
10. Export controls and sanctions
The Service is subject to United States export-control laws, including the Export Administration Regulations (EAR) and economic sanctions administered by the Office of Foreign Assets Control (OFAC). You agree not to access or use the Service from, or on behalf of any person or entity located in, a country or region subject to comprehensive United States sanctions (currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions), and not to transfer, export, or re-export the Service or any derivative thereof to any person or destination prohibited by U.S. law.
11. Disclaimers (AS-IS)
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, TIMELINESS, OR CONTINUOUS AVAILABILITY. WITHOUT LIMITING THE FOREGOING, ATLAS IS NOT AN INVESTMENT ADVISER, BROKER-DEALER, OR FIDUCIARY, AND THE SERVICE DOES NOT PROVIDE INVESTMENT, FINANCIAL, TAX, OR LEGAL ADVICE. SEE THE DISCLAIMER FOR THE FULL SCOPE OF THIS STATEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES; IN SUCH JURISDICTIONS, THE FOREGOING EXCLUSIONS APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.
12. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL ATLAS, ITS OPERATORS, EMPLOYEES, CONTRACTORS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, LOST TRADING OPPORTUNITIES, TAX LIABILITIES OR PENALTIES, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ATLAS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
OUR AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS ($100 USD).
THE LIMITATIONS IN THIS SECTION ARE A MATERIAL PART OF THE BARGAIN BETWEEN YOU AND ATLAS AND WILL APPLY EVEN IF ANY LIMITED REMEDY PROVIDED HEREIN FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES; IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
13. Indemnification
You agree to indemnify, defend, and hold harmless Atlas and its operators, employees, contractors, and affiliates from and against any and all claims, demands, losses, liabilities, damages, judgments, fines, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Service, (b) your User Content, (c) your violation of these Terms, (d) your violation of any applicable law, or (e) your violation of any third-party right, including any intellectual-property or privacy right. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense.
14. Dispute resolution — binding individual arbitration
14.1 Informal resolution first
Before filing any claim, you agree to first attempt to resolve the dispute informally by contacting us at our contact form and describing the claim. We will attempt to resolve the dispute in good faith within 60 days of receipt.
14.2 Agreement to arbitrate
Any dispute, claim, or controversy arising out of or relating to these Terms or the Service, whether in contract, tort, statute, or otherwise (including the interpretation, enforceability, or formation of this arbitration agreement), that is not resolved informally will be resolved by binding individual arbitrationadministered by JAMS under its Streamlined Arbitration Rules and Procedures, as amended by this Section 14. The arbitration will be conducted by a single arbitrator. The Federal Arbitration Act (9 U.S.C. §§ 1–16) governs the interpretation and enforcement of this arbitration agreement.
14.3 Class-action, collective-action, and jury-trial waivers
You and Atlas each waive any right to a jury trial and the right to participate in a class action, collective action, or representative action. Arbitration under this agreement will proceed solely on an individual basis. The arbitrator has no authority to consolidate claims, hear class or collective claims, or award class-wide or representative relief.
14.4 Mass arbitration procedures
If 25 or more substantially similar demands for arbitration are filed against Atlas by or with the assistance of the same law firm or coordinated counsel within a 60-day period, the parties agree that JAMS Mass Arbitration Procedures will apply and that the parties may proceed with up to 25 bellwether cases first, with the remainder stayed pending outcome of the bellwethers. This provision is intended to prevent weaponized mass arbitration while preserving genuine individual claims.
14.5 Intellectual-property and emergency-relief carveouts
Notwithstanding the agreement to arbitrate, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual-property rights or confidentiality obligations, pending arbitration on the merits.
14.6 Right to opt out of arbitration
You may opt out of the arbitration agreement in Section 14.2 and the waivers in Section 14.3. To opt out, send a written notice via our contact form with subject line “Arbitration Opt-Out” and the following information: your full name, the email address you use for Atlas, and a statement that you are opting out of arbitration. The notice must be received by us within 30 days of the date you first accept these Terms (or, for existing users at the time these Terms become effective, within 30 days of the effective date). An opt-out is valid only if it complies with this subsection and is not accepted by acquiescence. If you opt out, you and Atlas may resolve disputes in court as provided in Section 15.
14.7 Arbitration location and fees
Arbitration will be held in the county of your U.S. residence, or virtually at the parties’ agreement. JAMS Consumer Minimum Standards apply: your share of arbitration fees will not exceed the fee caps set forth therein, and Atlas will pay any excess fees.
15. Governing law and venue (for non-arbitrable matters)
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law provisions. Any claim or dispute not subject to the arbitration agreement in Section 14 (including opt-out claims and the IP carveout) will be resolved exclusively in the state or federal courts located in New Castle County, Delaware, and you consent to personal jurisdiction there.
16. Termination
You may stop using the Service and delete your account at any time through the Account page. We may suspend or terminate your access immediately, with or without notice, if we reasonably believe you have breached these Terms, violated applicable law, or pose a risk to the Service or other users.
17. Survival
The following sections survive any termination of these Terms or your use of the Service: 4 (to the extent of residual processing obligations), 5, 8 through 15, 17, 18, 19, 20, 22, 23, and 24.
18. Force majeure
Neither party will be liable for any delay or failure to perform arising from causes beyond its reasonable control, including acts of God, natural disaster, pandemic, war, civil unrest, terrorism, government action, labor dispute, cyberattack, denial-of-service attack, failure or outage of a cloud infrastructure provider, outage or rate-limiting by a market-data feed, outage or error from an AI-model provider, internet or power failure, or other event of force majeure.
19. Assignment
You may not assign, delegate, or otherwise transfer these Terms or any rights or obligations under them without our prior written consent. Any attempted assignment in violation of this section is void. We may assign these Terms in whole or in part, including to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets, upon notice to you.
20. Changes to these Terms
We may update these Terms from time to time. For material changes (including changes to fees, the arbitration agreement, or the scope of data use), we will provide notice at least 30 days in advance via the email associated with your account and/or a prominent in-product notice, together with the effective date and a summary of the material change. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. Non-material changes take effect upon posting. The “Last updated” date at the top of this page indicates the most recent revision.
21. Electronic communications and E-SIGN consent
You consent to receive communications from us electronically, including notices, agreements, disclosures, and other communications, whether via the Service, by email, or through our in-product messaging. You agree that any electronic communications satisfy any legal requirement that such communications be in writing. You may withdraw this consent by discontinuing use of the Service.
22. Severability
If any provision of these Terms is held invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision will be enforced to the maximum extent permissible (and, where permitted, will be modified to the minimum extent necessary to render it enforceable — so-called “blue-pencil” reformation), and the remaining provisions of these Terms will remain in full force and effect. Notwithstanding the foregoing, if the class-action waiver in Section 14.3 is held unenforceable with respect to any claim, then the entire arbitration agreement in Section 14 is null and void with respect to that claim, and such claim will be resolved in court per Section 15.
23. No waiver
Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of Atlas.
24. Entire agreement
These Terms, together with the Privacy Policy, the Disclaimer, and any additional terms expressly agreed to by you in writing, constitute the entire agreement between you and Atlas regarding the Service and supersede all prior agreements and understandings between you and Atlas on the subject.
25. Contact
Questions about these Terms, or a notice required under them (opt out, DMCA, etc.), should be directed to our contact form. Please use a clear subject line (“Arbitration Opt-Out,” “DMCA,” etc.) so your message reaches the right person.
These Terms are drafted in good faith to reflect industry-standard risk allocation for an educational financial-analytics tool. They should be reviewed by a licensed attorney in your jurisdiction before the Service is materially monetized or expanded.