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Terms & Conditions

Last updated: May 2026 · Questions? legal@tulaiq.app

Not financial advice. All information provided by TulaIQ — including portfolio valuations, yield calculations, income projections, and AI-generated responses — is for informational purposes only and does not constitute financial, investment, tax, or legal advice. Always consult a qualified financial advisor before making investment decisions.

1. Acceptance of Terms

By creating an account or using any part of the TulaIQ platform, you agree to be bound by these Terms & Conditions. If you do not agree, you must not use the service.

These terms apply to all users of TulaIQ, including users of the free Starter tier and paid Pro tier.

2. Informational Purposes Only

TulaIQ is a portfolio tracking and analytics platform. It aggregates data about investments you enter manually or via supported statement uploads and presents calculations based on that data.

Nothing on TulaIQ — including but not limited to:

  • Portfolio valuations and performance metrics
  • DCF fair value calculations for bonds or other instruments
  • Income projections and cashflow timelines
  • AI chat responses from the portfolio assistant
  • Market price data from third-party providers

— constitutes financial advice, a recommendation to buy or sell any asset, or a guarantee of future returns. TulaIQ is not a licensed financial advisor, broker, or investment manager.

3. Your Responsibilities

By using TulaIQ, you agree to:

  • Provide accurate information when entering your holdings and account details.
  • Keep your login credentials confidential and not share your account with others.
  • Notify us immediately at legal@tulaiq.app if you suspect unauthorised access to your account.
  • Use the platform only for lawful purposes and in compliance with applicable Zambian law.
  • Not attempt to circumvent security measures, access other users' data, or interfere with the platform's operation.
  • Not use the AI assistant to seek financial advice or trading recommendations — the assistant is configured to redirect such requests to a qualified advisor.

4. Subscription Terms

TulaIQ offers the following tiers:

  • Starter (Free) — permanent free access to manual portfolio entry across all asset classes, a basic consolidated dashboard, and limited AI chat. No credit card required.
  • Personal Pro — monthly subscription granting access to PDF statement upload, full AI portfolio assistant, income projections, live market prices, and multi-currency support. Pricing is displayed at the point of subscription and may change with advance notice.
  • Groups — pricing tailored to investment clubs and syndicates. Contact us at legal@tulaiq.app for terms.

Subscriptions are billed monthly in advance. By subscribing, you authorise TulaIQ to charge the payment method on file at each renewal date.

5. Cancellation Policy

You may cancel your subscription at any time from your account settings. Upon cancellation:

  • You retain Pro access until the end of the current billing period.
  • Your account reverts to the Starter tier at the end of the period — no data is deleted.
  • We do not offer refunds for partial billing periods or unused time.

To permanently delete your account and all associated data, use the account deletion option in your profile settings or contact us at legal@tulaiq.app.

6. Accuracy of Data

Market prices displayed on TulaIQ are sourced from third-party providers including CoinGecko, EODHD, Finnhub, and Open Exchange Rates. These prices may be delayed, approximate, or temporarily unavailable. TulaIQ makes no warranty as to the accuracy, completeness, or timeliness of any market data.

All calculations — including bond fair values, accrued interest, and portfolio returns — depend on the accuracy of information you enter. You are responsible for verifying that your holdings data is correct.

7. Limitation of Liability

To the fullest extent permitted by applicable law, TulaIQ and its directors, employees, and affiliates shall not be liable for:

  • Any investment losses arising from your use of information on the platform.
  • Errors in market data provided by third-party services.
  • Loss of data resulting from circumstances beyond our control, including service outages.
  • Any indirect, incidental, or consequential damages arising from your use of TulaIQ.

Our total liability to you in connection with any claim arising under these terms shall not exceed the amount you paid to TulaIQ in the three months preceding the claim.

8. Intellectual Property

All content, software, design, and branding on the TulaIQ platform — including the TulaIQ name, logo, and dashboard UI — is owned by TulaIQ and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any part of the platform without written permission.

Your portfolio data belongs to you. TulaIQ claims no ownership over the financial information you enter.

9. Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the Republic of Zambia. Any disputes arising from or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Zambia.

10. Changes to These Terms

We may update these Terms & Conditions from time to time. If we make material changes, we will notify you by email at the address associated with your account at least 14 days before the changes take effect. Continued use of TulaIQ after the effective date constitutes your acceptance of the revised terms.

11. Contact

For legal enquiries or questions about these terms, contact us at legal@tulaiq.app.

TulaIQ · Lusaka, Zambia

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