1. Acceptance
By accessing or using Ploutos AI (the Service) you agree to these Terms. If you do not agree, do not use the Service.
2. What we provide
Ploutos AI provides AI-assisted equity research. Output includes screening scores, valuation ranges, qualitative thesis text, and tracking of historical picks. It is general research, not personalised investment advice, not a recommendation to buy or sell, and not a financial service regulated under MiFID II.
3. No financial advice, no fiduciary duty
We are not a registered investment advisor in any jurisdiction. We do not know your financial situation, risk tolerance, or objectives, and we never tailor output to them. Nothing on the Service should be interpreted as a personal recommendation. Always do your own research, and consult a licensed advisor before acting on any information.
4. Investment risk
Investing in securities involves substantial risk including possible loss of principal. Past performance does not guarantee future results. AI generated content can be incomplete, outdated, or wrong. Market data may be delayed or inaccurate. You are solely responsible for your own investment decisions and outcomes.
5. Account and use
You must provide accurate information when registering. You are responsible for keeping your credentials secure. We may suspend or terminate accounts that abuse the Service, violate these Terms, or breach quota limits.
6. Subscriptions and refunds
Paid plans renew automatically until cancelled. You can cancel any time from your account; the cancellation takes effect at the end of the current billing period. Under EU consumer law you may request a refund within 14 days of purchase, unless you have already used the paid features during that period (which is treated as immediate performance you have requested).
7. Intellectual property
The Service, including code, design, prompts, and aggregated research output, is owned by Ploutos AI and protected by intellectual property law. We grant you a limited, non-exclusive, non-transferable licence to use the Service for your own personal investment research, or for the internal investment decisions of you or your employer, during your subscription. You may not resell, scrape, or redistribute output, in whole or in part, to third parties, and in particular you may not provide investment analysis, research, or advisory services to clients for compensation based wholly or in part on output of the Service. Output of the Service is derived in part from licensed third-party market data; redistribution to third parties is restricted by those upstream agreements as well.
8. Limitation of liability
To the maximum extent permitted by law, Ploutos AI, its operators, and its data providers will not be liable for any indirect, incidental, consequential, or special damages, including lost profits or investment losses, arising from your use of the Service. Our total cumulative liability to you will not exceed the amount you paid us in the twelve months preceding the claim.
9. Indemnification
You agree to indemnify and hold Ploutos AI harmless from any claim, loss, or expense arising from your use of the Service, your violation of these Terms, or your violation of any third party rights.
10. Changes to these Terms
We may update these Terms to reflect changes in the Service, the law, or our business. Material changes will be notified by email or in app at least 14 days before they take effect. Continued use after that date means you accept the updated Terms.
11. Governing law and disputes
These Terms are governed by Greek law. Any dispute will be brought before the competent courts of Athens, Greece, unless mandatory consumer law gives you the right to sue in your home country.
12. Early access list and communications
Joining our early access list is optional. You join by entering your email and ticking the consent box, then confirming via a double opt-in link, so you are only added after you confirm. By joining you agree to receive early access invitations, offers and product updates by email. You can unsubscribe at any time with the one-click link in every email, with no other consequence. Signup forms are protected by an anti-bot check (Cloudflare Turnstile). How we handle this data is described in the Privacy Policy.
13. Contact
Questions about these Terms: hello@ploutos-ai.com