AI Disclaimer

1. What AI Generates on BuyTune

BuyTune uses large language models (currently Google Gemini and xAI Grok) to generate:

• Portfolio analysis and health scores
• Investment observations and portfolio insights
• Risk assessments and diversification commentary
• Financial planning projections and retirement illustrations
• Cash flow simulations and savings rate analysis
• Strategy suggestions and allocation commentary
• Market context and news summaries

All AI-generated outputs are clearly labeled within the platform. They are educational illustrations, not professional financial advice.

2. Limitations of AI-Generated Content

You acknowledge that AI-generated content on BuyTune:

• May contain errors — AI models can produce factually incorrect statements, hallucinate data, or misinterpret portfolio inputs
• May be incomplete — AI cannot access your full financial picture, tax situation, liabilities, or personal circumstances
• May be outdated — Market conditions, regulations, and tax laws change faster than AI training data
• Does not predict the future — Projections are statistical illustrations based on historical data and assumptions, not forecasts
• Does not account for your full situation — AI has no knowledge of your risk tolerance, time horizon, tax bracket, employment status, family obligations, or other material factors
• Is not a substitute for professional advice — A licensed financial advisor, CPA, or attorney has legal duties to you; AI does not

3. How AI Providers Process Your Data

When BuyTune generates AI analysis, a summary of your portfolio context (ticker symbols, quantities, allocation percentages) is sent to third-party AI providers via their APIs:

• Google Gemini — Used for health scores, financial planning analysis, and strategy generation. Google Privacy Policy
• xAI Grok — Used for portfolio analysis with live web and market context. xAI Privacy Policy

BuyTune does not send your full name, email address, or account credentials to AI providers. Portfolio data is sent only for the purpose of generating the requested analysis and is not used to train AI models, subject to each provider's enterprise terms.

4. No Fiduciary Duty

AI-generated content on BuyTune does not create a fiduciary, advisory, or agency relationship. BuyTune has no legal duty to act in your financial interest. Nothing in any AI-generated analysis should be construed as a duty of care, loyalty, or best interest on BuyTune's part.

5. User Responsibility

You are solely responsible for:

• Evaluating the accuracy and appropriateness of any AI-generated content
• All investment and financial decisions you make, regardless of what BuyTune's AI suggested
• Consulting a licensed professional for decisions involving significant capital, tax implications, or retirement planning
• Understanding that past performance and statistical projections do not guarantee future results

6. Regulatory Status

BuyTune is not registered with, nor regulated by:

• The U.S. Securities and Exchange Commission (SEC) as an investment adviser or broker-dealer
• The Financial Industry Regulatory Authority (FINRA)
• Any state securities regulator as a registered investment adviser
• The Commodity Futures Trading Commission (CFTC)

AI-generated investment observations on BuyTune are not regulated financial advice under the Investment Advisers Act of 1940 or any applicable state law.

7. Feedback and Errors

If you believe BuyTune's AI has generated inaccurate, misleading, or harmful content, please report it to support@buytune.io. We take AI quality seriously and review all reports.

8. Contact

Questions about our AI systems: support@buytune.io

Legal inquiries: legal@buytune.io