Terms & Conditions

HeyTheo is an AI-powered application that provides research, analysis, alerts, and educational content regarding financial instruments including stocks, crypto, options, futures, and currencies.

HeyTheo has a free plan and paid plans. The free plan does not expire and does not ask for a payment method. Paid plans lift the limits on the free one and are described on our pricing page and in the app, which state what each plan includes, its price, and its billing frequency at the time you buy it.

You may buy a paid plan on the web at heytheo.io, or in the HeyTheo app through the Apple App Store or Google Play. A plan bought in one place gives access wherever you sign in with the same HeyTheo account.

We may change what a plan includes, and we may change prices, including the price of an existing subscription at its next renewal. A price change never applies to a period you have already paid for. If you bought your plan on the web, we will email you at least 30 days before a new price applies to your renewal, and you may cancel before then. If you bought it through the Apple App Store or Google Play, that store notifies you of the change, and asks for your consent where its rules require, under its own terms.

We may change, suspend, or discontinue features of the Service. If we discontinue a paid feature in a way that materially reduces what your plan includes, we will tell you in advance where practical.

The Service is provided for informational and educational purposes only.

HeyTheo, Inc. is not a registered investment adviser, broker-dealer, or commodity trading advisor.

Nothing in the Service constitutes personalized investment advice.

The Service uses artificial intelligence and large language models, including third-party APIs, to generate content and insights.

When you use Theo, the question you type is sent to a third-party AI provider, along with a short-lived credential that lets Theo look up your watchlist, baskets, alerts, and ideas while it answers. We ask for your permission in the app before this happens, and you can withdraw it at any time. Section 3 of our Privacy Policy describes exactly what is sent, who receives it, and how it is handled.

AI-generated outputs may contain errors, inaccuracies, or omissions. They are informational and educational only, and are not recommendations. You should independently verify any information before relying on it.

You must be at least 18 years old and legally able to enter into contracts to use the Service.

The Service is not directed at anyone under 18, and we do not knowingly collect data from minors.

You agree not to misuse the Service, attempt to reverse engineer it, or use it in violation of applicable laws.

You are solely responsible for your investment or trading activities.

Where you buy. You may buy a paid plan (a) on the web at heytheo.io, where checkout, payments, billing, and the customer portal are provided by Stripe, Inc. (“Stripe”), and RevenueCat, Inc. keeps the record of your subscription; or (b) in the HeyTheo app through the Apple App Store or Google Play (each, an “App Store”). A purchase made through an App Store is also governed by that App Store's terms, and its billing, renewal, cancellation, and refunds are handled by the App Store as described in this section.

Payment methods. On the web we accept credit and debit cards, Apple Pay, Google Pay, and any other payment method shown at checkout; which ones are offered depends on where you are. When you pay with a wallet or another provider's payment method, your use of it is also governed by the terms that provider sets for it; no such provider is a party to these Terms. Your card issuer's terms continue to apply to the card itself. In the app, payment is made through your App Store account.

Billing and renewal. Paid plans are billed in advance, monthly or yearly as you choose, and renew automatically at the end of each period at the then-current price until you cancel. By subscribing, you authorize us, through Stripe (or, for an App Store purchase, the App Store), to charge your payment method at the start of each billing period. Before you subscribe, the checkout shows the price, the billing frequency, and that the plan renews until cancelled. For web purchases, a receipt is emailed to you for each payment. If your card was issued in India, your bank will ask you to approve a standing instruction (an e-mandate) for these charges when you subscribe; where Indian rules require it, such as for a renewal above the limit set for automatic charges, we email you a link to approve that payment instead of charging it automatically.

Renewal reminders. For yearly plans bought on the web, we will email you a reminder before each renewal. For App Store purchases, renewal notices are governed by the App Store.

Free trials. Some plans start with a free trial. Before you start one, we show you how long it lasts, what the plan will cost when it ends, and how often you will be billed. A free trial is available once per HeyTheo account, across the web and both App Stores — cancelling and subscribing again, or subscribing on another platform, does not earn a second one. An App Store may also decline a trial under its own eligibility rules. For a trial started on the web, we email you a reminder before it ends. If you do not cancel before the trial ends, the plan begins and the first payment is taken.

Changing plan. For web purchases, the customer portal does not change plans. To move to a different plan, cancel your current plan in the customer portal and buy the new one once it ends, or email support@heytheo.io from the email address on your account and we will help you change it. For App Store purchases, plan changes follow the App Store's rules on timing and proration.

Currency. Web prices are set in US dollars. Depending on where you are, checkout may show and charge the price in your local currency instead, converted by Stripe at an exchange rate that includes a conversion fee and is shown before you pay; renewals are charged in that same currency, so the amount can vary slightly with the exchange rate. If you pay in US dollars, your bank may convert the charge to your local currency at its own rate, which may include a fee, so the amount on your statement can differ from the price shown. App Store prices are set in local currency by each App Store and may differ from web prices.

Cancelling. You may cancel at any time. Cancelling stops the next renewal; you keep the plan until the end of the period you have already paid for, and then move to the free plan.

• Web purchases: cancel online in the customer portal, reachable from your account settings and from the link in any billing email, or by emailing support@heytheo.io from the email address on your account. The customer portal confirms the cancellation and shows the date your plan ends.
• App Store purchases: cancel in the subscription settings of the Apple App Store or Google Play. We cannot cancel an App Store subscription on your behalf.

What happens on the free plan. Nothing you made is deleted when a paid plan ends. Your watchlist, baskets, strategies and saved screens stay exactly as they are and stay visible even if you are over a free-plan limit. What changes is that you cannot add more until you are back under it.

Failed payments. If a renewal payment fails, your plan may continue for a grace period while the payment is retried. For web purchases, you will be notified by email so you can update your payment method; for App Store purchases, the App Store notifies you under its own process. If the payment remains unpaid, the account moves to the free plan. We may suspend or terminate paid access for non-payment.

Refunds. Except as set out in this section or as required by applicable law, all fees are non-refundable.

• Web purchases. You may request a refund of a payment by emailing support@heytheo.io within three (3) days of the date of that payment. If no paid feature has been used since that payment, we will refund it in full. If any paid feature has been used, whether to issue a refund is at our sole discretion. A “paid feature” is any feature, or any usage allowance, that is available only on a paid plan. An approved refund is returned to the original payment method (for Apple Pay or Google Pay, the card stored in your wallet), and the time it takes to appear depends on your card issuer. A refund of your most recent payment ends the paid plan immediately.
• App Store purchases. Refunds are handled by the App Store under its own policies. For the Apple App Store, request a refund from Apple at reportaproblem.apple.com; we are not able to issue refunds for Apple purchases. For Google Play, request a refund through Google Play.

Account deletion. Deleting your HeyTheo account cancels a web subscription immediately and does not refund the unused part of a period already paid for; if you want to use what you have paid for, cancel in the customer portal and delete the account after the period ends. Deleting your account does not cancel an App Store subscription. You must cancel it in the App Store's subscription settings, or the App Store will continue to charge you.

Disputes about a charge. If you think a charge is wrong, please contact support@heytheo.io first; most problems can be fixed faster that way than through a chargeback. Questions about a charge made by an App Store should be directed to that App Store.

To the maximum extent permitted by law:

HeyTheo, Inc. and its officers, employees, and agents are not liable for any losses or damages (including investment losses, lost profits, or data breaches) arising from use of the Service.

Total liability shall not exceed $100 or the amount you paid in the 12 months preceding the claim, whichever is greater.

We may suspend or terminate your account if you breach these Terms, fail to pay, or if required by law. Where reasonable, we will give notice first. Any refund is governed by Section 7.

You may close your account at any time from Settings in the app. Doing so starts a seven-day grace period you can cancel within; after that the account and its data are removed and any web subscription is cancelled. A subscription bought through the Apple App Store or Google Play is not cancelled by deleting your account and must be cancelled in that store. See Section 7 for what this means for a period you have already paid for, and our Privacy Policy for what is kept afterwards and why.

This section applies if you downloaded the app from the Apple App Store.

Parties. These Terms are between you and HeyTheo, Inc. only, not with Apple Inc. (“Apple”). HeyTheo, not Apple, is solely responsible for the app and its content.

Scope of license. Your license to use the app is limited to a non-transferable license to use it on any Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the app may be accessed by other accounts associated with you through Family Sharing or volume purchasing where applicable.

Maintenance and support. HeyTheo is solely responsible for providing maintenance and support for the app. Apple has no obligation whatsoever to furnish any maintenance or support services for the app.

Warranty. HeyTheo is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the app (if any) to you; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app.

Product claims. HeyTheo, not Apple, is responsible for addressing any claims by you or a third party relating to the app or your possession or use of it, including product liability claims, claims that the app fails to conform to a legal or regulatory requirement, and claims arising under consumer protection, privacy, or similar legislation.

Intellectual property. If a third party claims that the app or your possession and use of it infringes that third party's intellectual property rights, HeyTheo, not Apple, is solely responsible for the investigation, defense, settlement, and discharge of that claim.

Legal compliance. You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.

Third-party terms. You must comply with applicable third-party terms of agreement when using the app, such as your wireless data service agreement.

Developer contact. Questions, complaints, or claims about the app should be directed to: HeyTheo, Inc., 8 The Green STE A, Dover, DE 19901, United States; support@heytheo.io.

Third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.