InvestBuddy is an AI-powered portfolio optimization platform that uses a 2-Layer Stacked LSTM (128→64 units, 142,000 parameters) with 46 features. The Phase 2 model was trained on 85 symbols (2019-2026) with 13,014 sequences. Our monthly friction-optimized rebalancing strategy achieves +63.41% Alpha over the S&P 500.

How accurate are the AI predictions?

Our Phase 2 LSTM model achieves 57.68% directional accuracy on 10-day stock predictions (training) and 55.41% OOS win rate in backtesting (241 trades). This honest validation includes transaction costs and slippage. By combining ML predictions with monthly rebalancing to minimize friction, the strategy achieves +63.41% Alpha over the S&P 500 benchmark. Models use 46 features across 85 symbols. Note: Past performance does not guarantee future results.

Is there a free trial?

Yes! We offer a 7-day free trial with full access to all features including AI stock recommendations, portfolio optimization, real-time analytics, and market regime detection. No credit card required.

What makes InvestBuddy different from other investment platforms?

InvestBuddy combines a 2-Layer Stacked LSTM neural network (142,000 parameters) with 46 features for stock predictions, monthly friction-optimized rebalancing to minimize transaction costs, and real-time market regime detection. We provide full transparency into AI reasoning with confidence scores. The result: +63.41% Alpha over the S&P 500 with monthly rebalancing that avoids the 130% spike in broker fees from excessive trading costs.

InvestBuddy Terms of Service

1. Acceptance of Terms

By accessing and using InvestBuddy.ai ("Service", "Platform", "we", "our"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to these Terms of Service, please do not use our Service.

2. Description of Service

InvestBuddy.ai is a portfolio management and analysis platform that provides:

Portfolio tracking and performance analytics
Risk assessment and diversification analysis
AI-powered stock predictions with LSTM machine learning models (61.18% validated accuracy)
MCP (Model Context Protocol) server for AI platform integrations
RESTful API for programmatic access
Third-party integrations (ChatGPT Custom GPT, Claude Desktop, etc.)
Price alerts and notifications
Market data and stock information

Important: InvestBuddy.ai is an informational tool only. We do not provide investment advice, execute trades, or manage your investments. All investment decisions are your sole responsibility.

3. Investment Disclaimer

NOT FINANCIAL ADVICE: The information, analysis, and recommendations provided by InvestBuddy.ai are for informational and educational purposes only. They do not constitute financial, investment, trading, or other professional advice.

Past performance does not guarantee future results
All investments involve risk, including potential loss of principal
You should consult with qualified financial advisors before making investment decisions
We are not registered as a securities broker-dealer or investment adviser
Our ML models and algorithms are tools for analysis, not guarantees of performance

4. User Accounts

4.1 Registration

To use certain features, you must register for an account. You agree to:

Provide accurate, current, and complete information
Maintain and update your information to keep it accurate
Maintain the security of your password and account
Accept responsibility for all activities under your account
Notify us immediately of any unauthorized use

4.2 Account Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent, abusive, or illegal activities.

5. Subscription and Payments

5.1 Free Trial

New users may receive a free trial period. Trial accounts have full access to premium features during the trial period. Phone verification may be required to prevent abuse.

5.2 Paid Subscriptions

Premium features require a paid subscription. Pricing is available on our Pricing page. By subscribing, you authorize us to charge your payment method on a recurring basis.

5.3 Cancellation and Refunds

You may cancel your subscription at any time. Cancellations take effect at the end of the current billing period. Refunds are handled on a case-by-case basis.

6. Data and Privacy

Your privacy is important to us. Our collection and use of personal information is described in our Privacy Policy. By using InvestBuddy.ai, you consent to our data practices as described in the Privacy Policy.

7. Acceptable Use

You agree NOT to:

Use the Service for any illegal purpose or in violation of any laws
Attempt to gain unauthorized access to our systems or other users' accounts
Share, sell, or distribute your API keys to unauthorized parties
Exceed rate limits or abuse API/MCP services
Use the Service to manipulate markets or engage in fraudulent trading
Interfere with or disrupt the Service or servers
Use automated systems (bots, scrapers) without permission (API access is provided for automation)
Reverse engineer, decompile, or disassemble any part of the Service
Resell, redistribute, or commercialize the Service without authorization
Upload viruses, malware, or malicious code
Harass, abuse, or harm other users

8. API and MCP Server Usage

8.1 API Keys

To access our API and MCP server, you must generate an API key from your account settings. You are responsible for:

Keeping your API keys secure and confidential
Not sharing API keys with unauthorized parties
All activities performed using your API keys
Immediately revoking compromised API keys

8.2 Rate Limits

API and MCP usage is subject to rate limits based on your subscription tier:

Trial: 5 prediction requests per day
Premium: 150 prediction requests per day
Business: Unlimited requests (fair use policy applies)

Exceeding rate limits may result in temporary service suspension. Systematic abuse may result in account termination.

8.3 Third-Party Integration

When using InvestBuddy through third-party platforms (ChatGPT, Claude Desktop, etc.):

You must comply with the third-party platform's terms of service
We are not responsible for the actions or policies of third-party platforms
Your data is subject to both our privacy policy and the platform's privacy policy
We may discontinue integration with any platform at our discretion

8.4 MCP Server

Our MCP (Model Context Protocol) server is available for use with compatible AI clients. By using the MCP server, you acknowledge:

The MCP protocol is maintained by Anthropic and subject to change
We provide the server "as is" without guarantees of compatibility with all MCP clients
MCP access requires a valid API key and active subscription
All prediction data is provided for informational purposes only

9. Intellectual Property

All content, features, and functionality of InvestBuddy.ai, including but not limited to text, graphics, logos, algorithms, software, and machine learning models, are owned by InvestBuddy.ai and protected by international copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes.

10. Third-Party Services and Data

InvestBuddy.ai integrates with third-party services for market data, news, and other features. We are not responsible for:

The accuracy, completeness, or timeliness of third-party data
The availability or performance of third-party services
The privacy practices of third-party services

Market data may be delayed and should not be relied upon for time-sensitive trading decisions.

11. Disclaimers and Limitation of Liability

10.1 Service "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

10.2 No Guarantee

We do not guarantee that:

The Service will be uninterrupted, timely, secure, or error-free
Data will be accurate, reliable, or complete
Defects will be corrected
The Service is free of viruses or harmful components

10.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INVESTBUDDY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.

12. Indemnification

You agree to indemnify and hold harmless InvestBuddy.ai, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

Your use of the Service, API, or MCP server
Your violation of these Terms
Your violation of any rights of another party
Your investment decisions based on information from the Service
Unauthorized use or disclosure of your API keys
Your use of third-party integrations (ChatGPT, Claude, etc.)

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or through the Service. Your continued use of the Service after changes constitutes acceptance of the modified Terms.

14. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration, except where prohibited by law.

15. Contact Information

For questions about these Terms, please contact us:

Email: support@investbuddy.ai
Contact Form: Contact Us

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and InvestBuddy.ai regarding the use of the Service.