Terms of Service

1. Acceptance of Terms

By accessing and using the Allocation Institute platform operated by Marlowe Keynes LLC ("Company," "we," "our," or "us"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

The Allocation Institute provides educational tools and simulators for asset allocation and portfolio analysis. Our services include:

• Portfolio allocation simulators and builders
• Historical performance analysis tools
• Company research and tear sheet generation
• Educational content on investment concepts
• Market data visualization

3. Important Disclaimer

Past performance is not indicative of future results. Simulated returns are based on historical data and assumptions that may not reflect actual market conditions. All investment decisions should be made in consultation with a qualified financial advisor.

4. User Accounts

To access certain features, you may be required to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

5. Acceptable Use

You agree not to:

• Use the platform for any unlawful purpose
• Attempt to gain unauthorized access to any portion of the platform
• Interfere with or disrupt the platform's operation
• Scrape, data mine, or use automated tools to extract data
• Redistribute or resell our content without permission
• Impersonate any person or entity

6. Intellectual Property

All content on this platform, including but not limited to text, graphics, logos, images, software, and the compilation thereof, is the property of Marlowe Keynes LLC and is protected by copyright and trademark laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content without our prior written consent.

7. Third-Party Data

Market data, company information, and financial metrics are provided by third-party sources including Financial Modeling Prep. While we strive to provide accurate information, we do not guarantee the accuracy, completeness, or timeliness of any data.

8. Limitation of Liability

To the fullest extent permitted by law, Marlowe Keynes LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from:

• Your use or inability to use the platform
• Any investment decisions made based on information from the platform
• Unauthorized access to or alteration of your data
• Any third-party content or conduct on the platform

9. Indemnification

You agree to indemnify and hold harmless Marlowe Keynes LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising out of your use of the platform or violation of these terms.

10. Modifications to Service

We reserve the right to modify, suspend, or discontinue any part of the platform at any time without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

12. Changes to Terms

We reserve the right to update these Terms at any time. We will notify users of any material changes by posting the new Terms on this page. Your continued use of the platform after such changes constitutes acceptance of the new Terms.

13. Contact Information

For questions about these Terms of Service, please contact us at:

[email protected]