PONTIS PORTFOLIOS · 18+ · LEGAL

Terms of Service

Effective November 12, 2026.

What the current site provides

Pontis Portfolios shows general stock research, an overnight paper account beside a price-only SPY hold, historical tests, and a separate crypto paper-research section. These are separate records with different rules and periods. The free site has no accounts, subscriptions, or checkout.

Eligibility

Pontis Portfolios is intended for adults 18 and older. The site does not verify age or location.

Research and risk

The publication does not ask for your finances, goals, risk tolerance, or holdings to tailor its content. It does not manage an account or place stock or crypto trades. This is research, not investment advice. Paper results and backtests are not a reader's realized return; stock and crypto prices can fall, and past results do not predict future returns.

Using the site

You may read the publication for your own information. Do not resell its content, interfere with the service, or use automated collection that disrupts it.

Disclaimer of warranties

The site and everything on it are provided "as is" and "as available," without warranties of any kind, express or implied, including accuracy, completeness, timeliness, or fitness for a particular purpose. Research, paper results, prices, and records can be delayed, incomplete, or wrong. We do not warrant that the site will be uninterrupted, error-free, or secure.

Limitation of liability

To the fullest extent permitted by law, PontisAI and its operator will not be liable for any indirect, incidental, consequential, or special damages, or for any trading losses, lost profits, or lost opportunities, arising from your use of the site or reliance on any information published on it, even if advised of the possibility of such damages.

Operator and contact

PontisAI is operated by Lucas Montoya, an individual. Questions: [email protected]. These terms are governed by the law of the State of New Mexico, United States, without regard to conflict-of-law rules, except where your local consumer-protection law requires otherwise.