Frequently Asked Questions

Kai-Signals is a subscription service that delivers algorithmic signals on S&P 500 (US large-cap) equities to subscribers across the EU and EEA. We ingest signals produced by an external algorithmic system and broadcast them identically to all subscribers on the same plan tier.

Kai-Signals is not investment advice, not portfolio management, and not a licensed investment firm. Our signals are non-personalised investment recommendations under EU Market Abuse Regulation (MAR) — they do not take your personal circumstances into account.

Kai-Signals is designed for retail and professional investors in the EU and EEA who want access to algorithmic signal data as one input in their own research and decision-making process. Experience with financial markets is important before acting on any signal.

Kai-Signals operates within the European Union and European Economic Area. Our service is governed by EU law, including MAR, GDPR, and the AI Act. Full legal entity details are available on our Imprint page.

The EU Market Abuse Regulation (MAR) governs the production and dissemination of investment recommendations. Kai-Signals produces non-personalised recommendations: every subscriber on the same plan tier receives an identical signal payload, with full disclosure of the producer, methodology, and conflicts of interest. See our Methodology and Conflicts pages for details.

Distributing non-personalised investment recommendations under MAR does not, in itself, require an investment firm licence under MiFID II or national competent authority registration in Portugal (CMVM). We are not authorised by any national competent authority as an investment firm. You can review our full regulatory position on the Regulatory Status page.

We process personal data in accordance with the General Data Protection Regulation (GDPR). You have the right to access, export, correct, and delete your data at any time from your account settings. Our Privacy Policy provides a full account of what data we collect and why.

The EU AI Act introduces transparency obligations for AI-assisted outputs. Where AI systems are involved in signal production, we disclose that involvement explicitly in every signal payload and in our AI Transparency statement. See the AI Transparency page for details.

A trading signal is an algorithmically generated data point indicating a possible market condition — such as a bullish entry opportunity, a long exit condition, or a congressional trading disclosure. It is information, not a directive. You decide whether and how to act on it.

We currently provide three signal types: Bullish Entry (a potential long entry opportunity), Long Exit (a condition suggesting closing a long position), and Congress Activity (a disclosure of a US congress member's reported stock trade). All signal labels use our internal terminology, not direction-instruction labels.

Signals are produced by an external algorithmic system and ingested by Kai-Signals over a secure API. Our Methodology page describes the production process, the role of AI in signal generation, and the version history of our methodology document.

Each signal includes: the asset ticker and name, the signal kind, the price at the time of the event, a timestamp, the methodology version active at ingest, and a mandatory disclosure block. Congress signals additionally include the politician's name, reported trade size, and direction.

AI systems may be involved in pattern recognition, signal scoring, or summarisation within the external algorithmic pipeline. Where AI involvement is present, it is disclosed in the signal payload itself and in our AI Transparency statement. All AI-assisted outputs are non-personalised and apply equally across all subscribers of the same plan tier.

The specific models used are described in the Methodology document, which is versioned and publicly accessible. We do not use AI to infer personal characteristics or financial objectives — doing so would convert our output into personalised advice, which is outside our scope.

AI systems can surface patterns that are not obvious to human analysts, but they can also produce false signals and are not infallible. Past signal accuracy is not a reliable indicator of future results. All signals come with a mandatory risk disclosure. Treat them as one data source among many.

We offer a Standard plan with three phases: a free trial, an introductory priced period, and an ongoing subscription. The exact durations and prices are shown on the Pricing page. Promotional plans may be available with a redemption code.

The free trial gives you full access to all signals for a fixed period with no payment method required. At the end of the trial, you will be notified before any charge and asked to add a payment method to continue.

After the free trial, your plan transitions to the introductory price phase. You will receive reminders before the transition. If you do not add a payment method, your access will be suspended — you will not be charged without your explicit action.

You can cancel at any time from your account settings. Cancellation takes effect at the end of your current billing period. We do not charge cancellation fees.

The free trial is provided without requiring a payment method, so no charge is made during that period. Post-trial refund terms are described in the Terms of Service. EU consumer rights regulations apply where applicable.

Go to your account security settings and follow the TOTP (authenticator app) setup flow. We support any RFC 6238-compliant authenticator such as Google Authenticator, Authy, or 1Password.

Yes. Your account settings include a data export option that provides a JSON file containing your profile, consents, subscription history, billing events, and audit log. This is your GDPR right of data portability.

Account deletion is available in your account settings. We soft-delete your account and purge personal data after a grace period, retaining only the minimum data required by our legal obligations (e.g. billing records for tax purposes).

All traffic is encrypted in transit via HTTPS. Passwords are stored as salted hashes using ASP.NET Core Identity. We do not store payment card data — payment processing is handled by a certified third-party provider. See our Privacy Policy for the full security posture.

A mobile app for iOS and Android is planned. When available, it will deliver real-time push notifications for every signal and provide the same features as the web interface. Join the waitlist or follow our updates to be notified.

The mobile app will be built with React Native and Expo, targeting both iOS (App Store) and Android (Google Play). The minimum supported versions will be stated at launch.

When a new signal is ingested and dispatched, subscribers receive an Expo Push notification on their registered device. Notifications can be silenced during configurable quiet hours in notification preferences.

Signals are generated from historical and real-time data using algorithmic methods, but they cannot predict the future. Market conditions change rapidly; a signal that was valid when generated may no longer be relevant by the time you act on it. Always apply your own judgement.

Non-personalised means the signal payload is identical for every subscriber on the same plan tier. We do not factor in your personal financial situation, objectives, risk appetite, or portfolio composition. This is a legal and product boundary, not a limitation of ambition.

No. Signals are informational and do not guarantee any financial outcome. Investing involves risk, including the possible loss of the entire amount invested. Past signal performance is not indicative of future results.

Key risks include: market risk (asset prices can fall), liquidity risk (you may not be able to exit a position at the displayed price), model risk (the algorithm may produce incorrect signals), and operational risk (service outages or delayed delivery). Full disclosure is available on the Risk Disclosure page.

You can submit a complaint via the Complaints page. We acknowledge all complaints within two business days and aim to resolve them within 15 business days. If you are not satisfied with our response, the EU Online Dispute Resolution platform (ODR) is available as an alternative.