Version 2.0 · Effective October 13, 2026
These terms apply when you connect a third-party AI assistant to your Hapi account. By checking the box and tapping Authorize, you accept them. They become part of your Hapi Customer Agreement. If they conflict with the Customer Agreement on anything about connected AI assistants, these terms control.
1. WHAT THIS IS
You can connect an AI assistant enabled by Hapi (today: Claude by Anthropic, ChatGPT by OpenAI, and Cursor by Anysphere) to your Hapi account, so you can ask it about your account in plain language. Connecting is optional, you always start it, and it may be available only to some customers.
2. WHAT THE AI ASSISTANT CAN SEE
Only the permissions you approve on the authorization screen:
Portfolio: your positions, their value, your cash, your returns and your margin status (line, usage, rate and interest), as shown in the Hapi app.
Transactions: your orders, deposits, withdrawals and dividends, including fees and tax withheld.
Market data: prices and public data for stocks and crypto, for your personal, non-commercial use only. Crypto services are provided by Bakkt Financial Solutions I, LLC (NMLS ID 1890144), not by Hapi Securities LLC. Crypto is speculative and is not protected by SIPC or insured by the FDIC.
Watchlists: the assets you follow in your lists.
It also receives Hapi’s internal ID for your account and the names you gave your portfolios and lists.
It never receives your password or login codes, email, phone, address, date of birth, SSN or tax ID, brokerage account number, bank details, or identity documents.
3. WHAT THE AI ASSISTANT CANNOT DO
It can only read. It cannot buy, sell or place orders, deposit, withdraw or move money, or change your information or settings.
4. YOUR DATA AND THE AI PROVIDER
The information goes to the company that provides the assistant you chose. That company is not Hapi’s affiliate, agent or service provider, and it handles your data under its own terms and privacy policy. Depending on your settings with it, it may store your data or use it to train its models. Hapi does not control that use and cannot delete data already sent, even after you disconnect.
5. AI ANSWERS ARE NOT FROM HAPI
Answers are generated by the AI assistant. Hapi does not prepare, review or approve them. They may be wrong or incomplete, and they are not investment, tax or legal advice or a recommendation from Hapi. Your Hapi statements and trade confirmations are the official record of your account. When the authorization screen says Hapi verified that an app is the assistant’s official app, it means only that Hapi confirmed the app’s identity, not the quality of its answers.
6. MARGIN INFORMATION
Borrowing on margin is risky. You can lose more than you deposit, Hapi or its clearing firm can sell your securities without notice to cover a margin call, and you pay interest on what you borrow. Rates (subject to change): Hapi Fee Schedule. Terms: your Customer Margin and Short Account Agreement and the Margin Risk Disclosure. Any analysis of this information is generated by your AI assistant, not Hapi, and is not investment advice.
7. KEEPING YOUR ACCOUNT SAFE
Only authorize a connection you just started yourself. If someone sent you a link to authorize, do not continue.
Never share your Hapi password or login codes with any AI assistant or AI tool.
Hapi sends you an email and a push notification each time an AI assistant is connected. If you see a connection you did not make, disconnect it and contact [email protected] right away.
Connecting through the authorization screen is the only way Hapi allows an AI tool to access your account. If an AI tool uses your login or browser to access your account, that is at your own risk, and anything it does there is treated as done by you.
8. HOW LONG IT LASTS
Each connection lasts 30 days, then you must authorize it again. You can disconnect anytime in Settings > Connected AI, effective immediately. Hapi may suspend or end any connection at any time without notice, including when you reset your password, close all sessions, or your account is restricted or closed, or when we suspect fraud. Hapi may also turn this feature off for anyone or everyone.
9. WHAT HAPI RECORDS
Hapi records your authorization, the version of these terms you accepted, the permissions you granted, when you connect and disconnect, and each query the assistant makes (which query and when, not the answer). Hapi does not see your conversation with the assistant. We keep these records as the law requires.
10. CHANGES
Hapi may change these terms or which assistants and information are available. The current version is always on this page. If we expand what an assistant can see or do, including any trading, you will be asked to authorize again before the change applies to you.
11. YOUR CUSTOMER AGREEMENT STILL APPLIES
All other terms of your Hapi Customer Agreement apply, including the arbitration agreement in Section 33.
Questions: [email protected]