Terms of use

Last Updated: January 11, 2026

Your use of www.longtermtrends.com ("Website") and related services, including the Investment Co-Pilot and FIRE Agent ("AI Tools"), is governed by these Terms of Use. By accessing or using the Website or AI Tools, you agree to be bound by these terms. LongtermTrends reserves the right to modify these terms at any time. Changes take effect upon posting. Continued use constitutes acceptance of the updated terms.

1. Educational Purpose Only
The Website and AI Tools are provided for educational and informational purposes only. They are not intended to provide, and should not be construed as:

• Investment advice, financial planning, or recommendations to buy, sell, or hold any securities.
• Legal, tax, or accounting advice.
• A substitute for professional financial advice from a licensed advisor.

The AI Tools are simulation and educational tools. Any projections or scenarios generated are based on historical data and user-provided inputs. Past performance does not guarantee future results.

2. No Warranty / "As Is"
The Website and AI Tools are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. LongtermTrends does not warrant that the services will be uninterrupted, error-free, or free of harmful components.

3. Accuracy of Information
Although information on this Website was obtained from sources believed to be reliable, LongtermTrends makes no representation or warranty as to the accuracy, completeness, timeliness, or reliability of any information, data, or content. This includes outputs generated by AI Tools, which may contain errors or inaccuracies. You are solely responsible for verifying any information before acting on it.

4. User Responsibility
You acknowledge that:

• Any decisions you make based on Website content or AI Tool outputs are your own responsibility.
• You should consult with qualified professionals before making any financial, investment, legal, or tax decisions.
• You are solely responsible for evaluating the suitability of any strategy or projection for your personal circumstances.

5. Limitation of Liability
To the fullest extent permitted by law, LongtermTrends and its affiliates, officers, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or related to your use of (or inability to use) the Website or AI Tools, even if LongtermTrends has been advised of the possibility of such damages.

6. Indemnification
You agree to indemnify, defend, and hold harmless LongtermTrends and its affiliates from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Website or AI Tools, your violation of these Terms, or your violation of any rights of another party.

7. AI-Generated Content
Outputs from the AI Tools (including the Investment Co-Pilot and FIRE Agent) are generated using artificial intelligence. While the underlying calculations are deterministic, the conversational interface is powered by large language models (LLMs) which may occasionally produce inaccurate or unexpected responses. You should independently verify all AI-generated content.

8. Third-Party Content
The Website may contain links to third-party websites or content. LongtermTrends does not endorse, control, or assume responsibility for the accuracy, legality, or content of any third-party sites.

9. Age Restriction
The Website and AI Tools are intended for users who are at least 16 years of age. By using the services, you represent that you meet this age requirement.

10. Account Termination
LongtermTrends reserves the right to suspend or terminate your access to the Website or AI Tools at any time, for any reason, without notice, including for violation of these Terms.

11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Switzerland, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Switzerland.

12. Republishing and Citation
Republishing of information found on this Website (such as chart images) is permitted with proper attribution. Please cite "LongtermTrends.com" as the source and, where possible, link to the original page.

13. Contact
For questions about these Terms, contact us at: info@longtermtrends.com