Terms of Service
Last updated: October 27, 2026
Please read carefully. Raijin is an investment service operated by an SEC-registered investment adviser. You connect a brokerage account you own, and Raijin’s automated agents can place real trades in that account on your behalf. Investing involves risk, including the risk of losing all of your money. These Terms, together with your Client Advisory Agreement, govern your use of the Service.
1. Who we are
Raijin (the “Service” or the “Platform”) is operated by Raijin AI, Inc. (“Raijin AI,” “we,” “our,” or “us”). By accessing or using the Service you agree to these Terms of Service. If you use Raijin’s advisory services, your separate Client Advisory Agreement, accepted during account opening, governs that advisory relationship; in the event of a conflict between these Terms and your Client Advisory Agreement with respect to the advisory services, the Client Advisory Agreement controls.
2. The service
Raijin provides investment advisory services through its software platform. Depending on your elections, this may include access to educational content and tools, access to automated trading agents (“agents”) from the Raijin Library, tools to build your own agents, and discretionary management of a brokerage account you connect. The Library holds two kinds of agents: agents that Raijin AI builds and maintains, and agents built by other clients on the Platform that Raijin AI has reviewed and listed. Raijin AI is the investment adviser for every agent in the Library, including every agent another client built, and Raijin AI, not the agent’s author, places every trade in your account. You connect a brokerage account that you own and hold at an independent broker-dealer or exchange, and Raijin’s automated agents place orders to buy and sell securities in that external account in accordance with the agents you have deployed. Raijin AI does not hold or take custody of your assets; your assets remain in your own brokerage account, which you own and can access directly at all times.
3. Discretionary trading authority
If you enable discretionary management, you grant Raijin AI limited authority to place orders to buy and sell securities in your connected brokerage account without consulting you on each transaction, solely in accordance with the agents you have deployed and any restrictions you have imposed in writing. This authority does not permit Raijin AI to withdraw or transfer funds or securities from your account or to deliver them to any third party. You may modify or revoke this authority at any time by changing your settings, disconnecting your brokerage, stopping your agents, or contacting us.
4. Regulatory status
Raijin AI, Inc. is registered as an investment adviser with the U.S. Securities and Exchange Commission (SEC) under Section 203(c) of the Investment Advisers Act of 1940 (CRD #342079; SEC File No. 801-136263). Registration became effective on May 14, 2026, pursuant to the Internet Adviser Exemption (Rule 203A-2(e)). Registration with the SEC does not imply a certain level of skill or training, and the SEC has not passed on the merits of Raijin AI, Inc. or any strategy made available through the Service. Raijin AI’s Form ADV and Form CRS are available on the SEC’s Investment Adviser Public Disclosure website.
5. Fees
Raijin AI charges a flat monthly subscription fee for the plan you choose, as described on the Platform at the time you subscribe: Starter at $15 per month or Pro at $35 per month. Without a paid plan you may run one agent that buys its holdings once and then holds them, at no fee. Fees are charged through our third-party payment processor, Stripe, or, for subscriptions purchased in the mobile app, through Apple App Store or Google Play billing, and are never deducted from your brokerage account. We may update our fee schedule from time to time on at least thirty (30) days’ prior notice. Fees are for the advisory and software services described here and are not a deposit into, or a guarantee of any return on, your investment account.
6. Not personalized investment advice outside the advisory relationship
Outside of the discretionary advisory services you expressly enable, nothing on the Service constitutes personalized investment, legal, tax, or financial advice, or a recommendation to buy, sell, or hold any security. Marketing content, educational material, and general strategy descriptions are not tailored to your individual circumstances. You are solely responsible for your own investment decisions, including the decision to subscribe to or stop any agent, and should consider consulting a licensed professional.
7. Performance information
Performance figures shown on the Service that are labeled “Backtest” represent hypothetical performance simulated using historical data. Hypothetical performance has inherent limitations: it does not reflect actual trading and may differ materially from the results that would have been achieved had the strategy been executed live, including the impact of liquidity constraints, market disruptions, slippage, and the discipline required to follow a model in real time. Hypothetical results are prepared with the benefit of hindsight.
Performance figures labeled “Since launch” show a reference portfolio that follows the agent’s signals from its listing date. They are not the results of any client account and are treated as hypothetical performance. All performance figures are shown gross of any subscription or advisory fees, brokerage commissions, taxes, or other expenses that an investor would incur; net returns to an individual investor would be lower. Individual results vary based on account size, timing, broker execution, and other factors. Past performance does not guarantee future results.
8. Risk disclosure
Trading and investing in securities involves substantial risk, including the risk of total loss of principal. Past performance, whether live or backtested, does not guarantee future results. Algorithmic and automated strategies can and do lose money, may behave unexpectedly in unusual market conditions, and depend on data feeds, brokers, and other third-party systems that can fail or be delayed. You should only invest capital you can afford to lose. Raijin AI does not guarantee any level of performance or the achievement of any investment objective.
9. The Raijin Library and agents built by other clients
The Raijin Library holds agents that Raijin AI builds and maintains, and agents built by other clients on the Platform that Raijin AI has reviewed and listed. Raijin AI is the investment adviser of record for every agent in the Library, including every agent another client built, and Raijin AI, not the agent’s author, places every trade in your account. Every Library agent is presented under the Raijin AI name, and an agent’s page does not name the client who built it. The client who built a listed agent is not an employee, agent, representative, or affiliate of Raijin AI, is not registered as an investment adviser in that capacity, is not covered by Raijin AI’s Code of Ethics, and does not owe a fiduciary duty to the clients who deploy the agent; your advisory relationship is with Raijin AI. Authors do not provide personalized advice to the clients who deploy their agents, do not see the identities, accounts, or allocations of those clients, and may hold positions in, and trade, the same securities as their agents, including before or after their agents trade.
Raijin AI personnel review every agent another client submits before it is listed. The review checks that the description states what the agent does and when it trades without promising results, and that the name and picture are suitable. It checks that the agent is not substantially the same as an agent already listed and that its rules are clear from its description and code. Where a backtest is required, it checks that the backtest is long enough and contains enough trades to show how the agent behaves. The review is not a guarantee that an agent will perform as described, and Raijin AI does not independently verify the author’s statements about the strategy. Once an agent is listed, its author cannot publish changes to it directly: changes are submitted as an update and reviewed by Raijin AI before they reach other clients, and when an update is approved, every client running the agent is moved to the updated version automatically. An author may stop improving an agent, or remove it from the Library, at any time; clients already running it continue on the last approved version, which may become out of date. You may pause or stop any agent at any time. Agents built by other clients are never part of a portfolio the Platform recommends to you from your optional questionnaire; when you deploy one, that is your own choice. Your subscription fee is the same whether you run agents built by Raijin AI or by other clients, and you pay nothing to the client who built an agent. Because Raijin AI pays the author of a listed agent for each paying client running it, the author has an incentive to promote it; because Raijin AI pays nothing for its own agents, Raijin AI has an incentive to favor them.
If you build an agent on Raijin, you may submit it for inclusion in the Raijin Library, whatever plan you are on. To be submitted, an agent must be finalized, must be your own work rather than a copy or personalized version of an existing agent or template, must not be paused, and, unless it trades only on live data that cannot be backtested, must have a completed backtest of the version being submitted. By submitting an agent, you grant Raijin AI a license to your strategy: to list the agent in the Library under the Raijin AI name, to run it for every client who deploys it, and, after it is removed, to keep running the last approved version for clients already running it until they stop it. Raijin AI reviews every submission and may approve, decline, or later remove an agent at its sole discretion, and you may remove your agent from the Library at any time. Once an agent is removed, no new client can deploy it. As consideration for the license, Raijin AI pays you a monthly amount, currently $1 for each paying client running the agent in that month, out of Raijin AI’s own revenue; clients who deploy your agent pay nothing extra. A client counts for a month when, at the time the month is worked out, the client is on a paid plan, started running the agent at least 7 days before the month ended and is still running it, and is not running it in simulated (paper) trading. Free trials, free plans, and months granted through referrals or beta programs do not count. A client is counted for at most the first 10 agents built by other clients that the client runs, counted oldest first. Your own use of your agent, and Raijin AI’s internal and test accounts, never count. The minimum balance and fee that apply to cashing out are shown in the app. Amounts are credited to your in-app wallet after each month ends. Raijin AI may change or end the program, or the amount, at any time on notice in the app. This payment is for the license of your strategy to Raijin AI and does not make you an investment adviser to, or an agent of, any other client. Raijin AI does not review or approve what you say about your agent outside the Platform, and such statements are not Raijin AI’s.
10. Your account and acceptable use
You agree to provide accurate information, keep your credentials secure, and use the Service only as permitted. You agree not to misuse the Service, including by attempting to gain unauthorized access, interfering with other users, scraping at volumes that degrade the Service, or using the Service to violate any law or third-party right. We may suspend or terminate your access for any violation of these Terms.
11. Termination and account closure
Either you or Raijin AI may terminate your use of the Service at any time. You can close your account in the Raijin mobile app by opening your profile, choosing Settings under Advanced, and then choosing Delete account, or by emailing support@raijinai.com. Closing your account cancels any active subscription, stops your agents, and disconnects your brokerage. Upon termination we will cease placing new trades on your behalf and cease charging fees, except for fees already earned. Certain records are retained as described in our Privacy Policy to satisfy regulatory recordkeeping obligations.
12. No warranty
The Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including any warranty of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, or availability. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.
13. Limitation of liability
To the fullest extent permitted by law, Raijin AI, Inc. and its officers, employees, and affiliates will not be liable for any indirect, incidental, consequential, or punitive damages arising out of or relating to your use of the Service. Nothing in these Terms waives or limits any right you may have under federal or state securities laws, the rules thereunder, or any other law whose applicability may not be contractually waived.
14. Governing law and dispute resolution
These Terms are governed by the laws of the State of Georgia, without regard to its conflict of laws principles, except to the extent preempted by federal law. The dispute-resolution and arbitration provisions of your Client Advisory Agreement, where applicable, govern disputes relating to the advisory services. Nothing in these Terms waives or limits any right you may have under federal or state securities laws or any other law whose applicability may not be contractually waived.
15. Changes to these Terms
We may update these Terms from time to time. Material changes will be communicated through the Service or by email. Your continued use of the Service after an update constitutes acceptance of the revised Terms.
16. Referral program
If someone signs up with your referral code and meets the program requirements, you and they may each receive a cash reward. The reward amount and the funding minimum are shown in the app and may change for new referrals.
To qualify, the referred person must deploy an agent with at least the funding minimum of real money from a real brokerage account, and keep it on automatic trading on one of our automated trading plans (Starter or Pro) for at least 31 days. Paper accounts and the free plan’s buy-and-hold agent do not count. Going off the automated trading plans during those 31 days voids the referral payout.
We may withhold, revoke, or reverse a reward we believe was obtained through duplicate or shared accounts, self-referral, or any other abuse of the program. Rewards are paid by email through our payout partner, less the payout fee shown in the app, and larger payouts may require tax information. We may change or end the program at any time.
17. Contact
Questions about these Terms? Email support@raijinai.com.