Terms & Conditions

Last updated: December 2025

1. Acceptance of Terms

By accessing or using Perfient, you agree to be bound by these Terms & Conditions. If you do not agree, do not use the service.

2. Nature of the Service

Perfient is an AI-powered financial analysis and decision-support tool intended for educational and informational purposes only.

Perfient does not:

• Provide personalized investment advice
• Act as a fiduciary
• Replace licensed financial professionals

3. No Financial Advice Disclaimer

All outputs generated by Perfient are:

• Algorithmic
• Probabilistic
• Based on user-provided data and assumptions

You acknowledge that financial markets involve risk and that decisions made based on Perfient’s outputs are solely your responsibility.

4. User Accounts & Access

Perfient may operate without collecting personal identifying information. You are responsible for maintaining access credentials.

Lost credentials may result in permanent loss of access and data.

5. User Responsibilities

You agree not to:

• Use Perfient for unlawful purposes
• Attempt to reverse engineer the platform
• Rely solely on Perfient for financial decision-making
• Provide false or misleading data intentionally

6. Intellectual Property

All content, software, algorithms, and designs within Perfient are owned by Perfient or its licensors.

You may not copy, distribute, or commercialize the service without permission.

7. Service Availability

Perfient is provided on an “as is” and “as available” basis. We do not guarantee uninterrupted or error-free operation.

8. Limitation of Liability

To the maximum extent permitted by law, Perfient shall not be liable for:

• Financial losses
• Investment underperformance
• Data loss due to credential mismanagement
• Indirect or consequential damages

9. Termination

We reserve the right to suspend or terminate access to Perfient if these terms are violated or if the service is discontinued.

10. Changes to Terms

We may update these Terms & Conditions from time to time. Continued use of Perfient constitutes acceptance of the updated terms.

11. Governing Law

These terms shall be governed by applicable laws in the jurisdiction where Perfient operates.