Pyx
legal · terms of service

Pyx Terms of Service

Effective date: September 4, 2026
Last updated: September 15, 2026

These Terms of Service ("Terms") are a binding agreement between you ("you") and Cure AI, LLC, a Florida limited liability company based in Tampa, Florida, doing business as Pyx ("Cure AI," "Pyx," "we," "us," or "our"). They govern your use of the Pyx desktop application (the "App"), the website at pyx.finance (the "Site"), and our related licensing and support services (together, the "Services").

Please read these Terms carefully. They limit our liability (Sections 13 and 14) and require individual arbitration of most disputes (Section 16). By downloading, installing, activating, or using the App, or by purchasing a subscription, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Services.

1. Eligibility

You must be at least 18 years old and able to form a binding contract. By using the Services you represent that this is true and that the information you provide at checkout is accurate.

2. What Pyx is, and is not

Pyx is a local-first desktop application that aggregates and displays your personal investment portfolio on your own device: holdings, transactions, prices, allocations, performance, and public company information.

Pyx is an informational tool only. It is not:

  • investment, financial, tax, legal, or accounting advice. Nothing in the Services is a recommendation to buy, sell, or hold any security or to follow any strategy;
  • a broker-dealer, investment adviser, bank, or financial institution. Cure AI is not registered as any of these and does not hold, custody, or control your assets or funds;
  • a way to transact. The App connects to brokerage data on a read-only basis. It cannot place orders, move money, or transfer assets, and it never requests the permission to do so.

The App is currently offered as a beta for macOS (Apple Silicon), Windows, and Linux. Features may change, and market data, prices, and calculations may be delayed, incomplete, or wrong. You are solely responsible for your investment decisions and should verify anything material against your broker's own records. Consult a qualified professional before making financial decisions.

3. Your data

Your portfolio data lives on your device, as described in the Privacy Policy. You are responsible for your device, your operating system account, your local database and its encryption key, your backups, and your license key. We cannot recover local data or an encryption key you have lost, because we never receive them.

4. Third-party services

At your direction, the App connects to Yahoo Finance (market data), SnapTrade (read-only brokerage aggregation), and the U.S. Securities and Exchange Commission's EDGAR service (public filings). Purchases are processed by Polar as Merchant of Record. If you connect an AI client through the App's local agent interface, that client and its model provider are third parties you chose.

Your use of every third-party service is governed by that party's terms and privacy policy. We do not control third-party services and do not guarantee their accuracy, availability, or continuity. If one changes or becomes unavailable, related features may stop working. That alone does not entitle you to a refund except as provided in Section 8.

5. License and intellectual property

Subject to these Terms and an active subscription, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the App on devices you own or control, for managing your own portfolio.

The Services, including all software, design, text, and graphics we provide, are owned by Cure AI or its licensors and are protected by intellectual property laws. Except for the license granted above, all rights are reserved. The Pyx name and logo are trademarks of Cure AI and may not be used without our prior written permission. The App includes open source components licensed under their own terms, which are available on request.

6. Subscriptions and license keys

Subscription for connected features. The App is free to download and use with data you import or enter yourself. Brokerage synchronization, in-app updates, and agent access require an active subscription, evidenced by a license key you enter into the App. On activation the App validates your subscription with our license service and stores a signed, time-limited entitlement token locally so it can verify access, including offline within the token's validity window. If your subscription lapses, brokerage synchronization, in-app updates, and agent access pause until you renew.

Plans and pricing. We currently offer US$7 per month and US$70 per year, each an auto-renewing subscription. Prices exclude taxes; applicable sales tax or VAT is calculated and collected by Polar. We may change prices prospectively. Changes will not affect your current billing period, and we will give reasonable advance notice of changes that affect renewals.

Automatic renewal. Your subscription renews automatically at the end of each billing period, at the then-current price for your plan, using the payment method on file with Polar, until you cancel. You authorize Polar to charge you on this recurring basis. You may cancel at any time through the Polar customer portal, and cancellation takes effect at the end of the current paid period.

Your license key. Your license key is your credential. Keep it confidential; you are responsible for activity under it. We do not currently enforce a device limit, but the license is for your personal use. You may not sell, rent, lease, sublicense, publish, or share your key. We may suspend or revoke keys that are shared, abused, or obtained fraudulently.

7. AI agent access

The App can expose your portfolio to an AI client of your choosing through a local interface that is off by default. If you enable it, you are responsible for the client you connect, for the permissions you grant it, and for any data it sends to its model provider. Output produced by an AI client is not produced or endorsed by Cure AI and is not advice. Section 2 applies to it in full.

8. Billing, cancellation, and refunds

Polar is the Merchant of Record for every purchase. Polar is the seller of record and handles payment processing, invoicing, sales tax and VAT, refunds, and chargebacks. Your purchase is also subject to Polar's terms.

  • Cancellation. Cancel at any time through the Polar customer portal, linked from your purchase confirmation and from pyx.finance. You keep access through the end of the period you paid for.
  • Refunds. Refunds, where offered, are issued by Polar under our Refund Policy, Polar's policies, and applicable consumer protection law. Nothing in these Terms limits any non-waivable statutory refund or cancellation right you have under the law of your jurisdiction.
  • Failed payments. If a renewal payment fails, your subscription may enter a past-due grace period and then lapse. Restoring access requires a successful payment.

9. Acceptable use

You agree not to:

  • use the Services in violation of any law or regulation, or to access financial accounts or data that are not yours;
  • reverse engineer, decompile, or disassemble the App, except to the extent applicable law prohibits this restriction;
  • circumvent or interfere with license validation, the network allowlist, the agent interface's access controls, or any other security or entitlement mechanism;
  • resell, redistribute, or commercially exploit the App or your license key;
  • access the license or download services other than through the App and Site, or probe, scan, overload, or attempt to gain unauthorized access to our systems or our providers' systems.

We may suspend or terminate access for conduct that violates this Section.

10. Updates and availability

We may release updates and may modify, suspend, or discontinue any part of the Services at any time. Because the App is local-first, an installed copy keeps running on its current valid entitlement even if we change or pause a service, but features that depend on third-party data or on our license service may be affected. We do not guarantee that the Services will be uninterrupted, error-free, or available at any particular time.

11. Feedback

If you send us suggestions or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use it without restriction or obligation to you. Do not include confidential information in feedback.

12. Termination

You may stop using the Services and cancel your subscription at any time. We may suspend or terminate your access, with or without notice, if you breach these Terms, if necessary to protect the Services or other users, or if your subscription lapses. On termination the license in Section 5 ends and you must stop using the App. Sections 2, 3, 5, 7, 9, and 11 through 17 survive termination. Because your data lives on your device, termination does not delete it. You control that.

13. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT MARKET DATA, PRICES, PERFORMANCE FIGURES, TAX LOT INFORMATION, OR OTHER INFORMATION SHOWN IN THE APP OR PRODUCED BY A CONNECTED AI CLIENT IS ACCURATE, COMPLETE, CURRENT, OR TIMELY, or that the Services will be secure or error-free. You use all such information at your own risk and are responsible for your own financial decisions.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CURE AI AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AGENTS (THE "CURE AI PARTIES") WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, INVESTMENT OR TRADING LOSSES, TAX LIABILITIES, LOSS OF DATA, OR LOSS OF GOODWILL, arising out of or relating to the Services or these Terms, under any legal theory, even if advised of the possibility of such damages.

THE TOTAL AGGREGATE LIABILITY OF THE CURE AI PARTIES for all claims arising out of or relating to the Services or these Terms will not exceed the greater of (a) the amount you paid for the Services in the twelve months before the event giving rise to the claim, or (b) US$100.

No personal liability. Your agreement is with Cure AI, LLC. No member, manager, officer, employee, or agent of Cure AI has any personal liability to you under these Terms or in connection with the Services, and you agree to bring any claim only against Cure AI, LLC.

These limitations are a fundamental basis of the bargain and apply even if a limited remedy fails of its essential purpose. Nothing here limits liability that cannot be limited by law.

15. Indemnification

To the extent permitted by law, you will defend, indemnify, and hold harmless the Cure AI Parties from any claims, damages, liabilities, and reasonable expenses, including attorneys' fees, arising out of your misuse of the Services, your violation of these Terms, your violation of any law or third-party right, or any AI client you connect to the App.

16. Dispute resolution

Informal resolution first. Before filing a claim, you agree to email us a written description of the dispute and give us 30 days to resolve it informally. Most concerns are resolved this way.

Binding individual arbitration. Any dispute not resolved informally will be settled by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, conducted in Hillsborough County, Florida, or by video, or at your election in your county of residence. The Federal Arbitration Act governs this Section. The arbitrator's award may be entered in any court of competent jurisdiction. Either party may instead bring an individual claim in small claims court, and either party may seek injunctive relief in court to protect intellectual property.

Class action waiver. You and we agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim will proceed in court, not arbitration.

Opt out. You may opt out of arbitration by emailing us within 30 days of first accepting these Terms, with your name and the email used at checkout. Opting out does not affect any other provision.

Governing law and venue. These Terms are governed by the laws of the State of Florida and applicable United States federal law, without regard to conflict-of-laws rules. For any matter not subject to arbitration, you and we consent to the exclusive jurisdiction and venue of the state and federal courts in Hillsborough County, Florida. If you are a consumer outside the United States, nothing in this Section deprives you of mandatory consumer protections or the jurisdiction of the courts of your country of residence where those rights cannot be waived.

Time limit. To the extent permitted by law, any claim must be brought within one year after it arises or it is permanently barred.

17. General

  • Entire agreement. These Terms, the Privacy Policy, and the Refund Policy are the entire agreement between you and us about the Services and supersede prior agreements on that subject.
  • Changes. We may update these Terms. We will revise the "Last updated" date and give more prominent notice of material changes. Continued use after an update takes effect constitutes acceptance. Material changes to Section 16 will not apply to disputes that arose before the change.
  • Severability. If any provision is unenforceable, the rest remains in effect and the provision is modified to the minimum extent necessary.
  • No waiver. Our failure to enforce a provision is not a waiver of it.
  • Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, reorganization, or sale of assets.
  • Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
  • Relationship. Nothing here creates a partnership, agency, fiduciary, or employment relationship.
  • Export. You may not use the App in violation of United States export control or sanctions laws.

18. Contact

Cure AI, LLC, doing business as Pyx
401 E. Jackson Street, Suite 2225
Tampa, FL 33602
United States
Email: jaredswatson55@gmail.com

For billing, refunds, or subscription changes, you may also use the Polar customer portal, as Polar is the Merchant of Record for your purchase.