PLEASE READ THESE TERMS CAREFULLY BEFORE USING PLUTONAL.AI

1. Acceptance of Terms

By accessing or using Plutonal.ai ("Platform," "Service," "we," "us," or "our"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you must not access or use the Platform.

2. Nature of Service

2.1 Information Only

Plutonal.ai is a research and information platform only. We provide AI-generated market intelligence, analysis, and educational content. We are NOT:

  • A registered investment advisor
  • A broker-dealer
  • A financial advisor
  • A fiduciary
  • A regulated financial services provider

2.2 No Investment Advice

Nothing on this Platform constitutes investment advice, financial advice, trading advice, or any recommendation to buy, sell, or hold any security, asset, or investment. All content is provided for informational and educational purposes only.

3. User Acknowledgments and Disclaimers

3.1 Investment Risk Acknowledgment

You expressly acknowledge and agree that:

  • ALL INVESTING INVOLVES SUBSTANTIAL RISK OF LOSS. You may lose some or all of your invested capital.
  • Past performance does not guarantee future results.
  • AI-generated analysis may contain errors, inaccuracies, or outdated information.
  • Markets are unpredictable and no analysis can guarantee investment outcomes.
  • You are solely responsible for conducting your own due diligence before making any investment decisions.

3.2 No Reliance

You agree that:

  • You will NOT rely solely on Plutonal.ai content for investment decisions.
  • You will consult with qualified, licensed financial professionals before making investment decisions.
  • Any investment decisions you make are entirely your own responsibility.
  • We have no knowledge of your financial situation, risk tolerance, or investment objectives.

3.3 AI Limitations

You understand that:

  • AI agents may produce incomplete, inaccurate, or misleading information.
  • Confidence scores and probabilistic assessments are estimates only.
  • Real-time data may experience delays or inaccuracies.
  • Our AI models have limitations and may not account for all market factors.

4. Limitation of Liability

4.1 No Liability for Investment Losses

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

You agree that Plutonal.ai, its founders, officers, employees, agents, partners, and affiliates shall NOT BE LIABLE for:

  • Any investment losses or damages you incur
  • Any trading decisions you make based on Platform content
  • Any financial harm resulting from your use of the Platform
  • Lost profits, lost opportunities, or consequential damages
  • Errors, omissions, or inaccuracies in Platform content
  • System failures, downtime, or technical issues

4.2 Maximum Liability Cap

In no event shall our total aggregate liability to you exceed the amount you paid to Plutonal.ai in the twelve (12) months preceding the claim, or USD $100, whichever is less.

4.3 Assumption of Risk

YOU EXPRESSLY ASSUME ALL RISKS associated with:

  • Using the Platform and its content
  • Making investment or trading decisions
  • Relying on AI-generated analysis
  • Market volatility and investment performance

5. Indemnification

You agree to indemnify, defend, and hold harmless Plutonal.ai and its affiliates from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

  • Your use or misuse of the Platform
  • Your investment decisions or trading activities
  • Your violation of these Terms
  • Your violation of any applicable laws or regulations
  • Any content you submit to the Platform

6. Governing Law and Dispute Resolution

6.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law provisions.

6.2 Jurisdiction

You irrevocably submit to the exclusive jurisdiction of the courts of New South Wales, Australia for any disputes arising from these Terms or your use of the Platform.

6.3 Arbitration (Optional Alternative)

Any dispute may, at our sole discretion, be resolved through binding arbitration in Sydney, Australia, under the rules of the Australian Centre for International Commercial Arbitration (ACICA). The arbitrator's decision shall be final and binding.

6.4 Waiver of Class Actions

You agree to bring claims only in your individual capacity and NOT as part of any class action, consolidated action, or representative proceeding.

7. User Eligibility and Compliance

7.1 Age Requirement

You must be at least 18 years old (or the age of majority in your jurisdiction) to use this Platform.

7.2 Geographic Restrictions

While we operate from Australia, users from any jurisdiction may access the Platform subject to their local laws. You are solely responsible for ensuring your use of Plutonal.ai complies with all applicable laws in your jurisdiction.

7.3 Prohibited Use

You may not use the Platform if you are located in, or a resident of, any jurisdiction where such use would be illegal or require licensing we do not possess.

7.4 Your Regulatory Compliance

You acknowledge that investment activities may be regulated in your jurisdiction. You are solely responsible for complying with all applicable securities laws, tax laws, and regulations.

8. Content and Intellectual Property

8.1 Platform Content

All content, including AI-generated analysis, remains the property of Plutonal.ai. You receive a limited, non-exclusive, non-transferable license to access content for personal, non-commercial use only.

8.2 User Content

Any content you submit to the Platform (queries, feedback, etc.) grants us a worldwide, royalty-free license to use, modify, and incorporate such content into our services.

8.3 No Reproduction

You may not reproduce, distribute, sell, or create derivative works from Platform content without our express written permission.

9. Service Modifications and Termination

9.1 Platform Changes

We reserve the right to:

  • Modify, suspend, or discontinue the Platform at any time
  • Change pricing, features, or credit allocations
  • Update these Terms with reasonable notice

9.2 Account Termination

We may suspend or terminate your account at any time for:

  • Violation of these Terms
  • Fraudulent or illegal activity
  • Non-payment of fees
  • Any reason at our discretion

9.3 Effect of Termination

Upon termination:

  • Your license to use the Platform immediately ceases
  • Unused credits are forfeited (no refunds)
  • Sections 4 (Limitation of Liability), 5 (Indemnification), and 6 (Governing Law) survive termination

10. Data and Privacy

Your use of the Platform is subject to our Privacy Policy. We collect and process data as described in that policy. We make no guarantees about data security, though we implement reasonable safeguards.

11. Third-Party Services

The Platform may integrate third-party data providers, payment processors, or services. We are not responsible for third-party services, their accuracy, or their availability.

12. Disclaimers

12.1 "AS IS" Service

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

  • Merchantability
  • Fitness for a particular purpose
  • Non-infringement
  • Accuracy or reliability of content
  • Uninterrupted or error-free operation

12.2 No Guarantees

We make NO GUARANTEES regarding:

  • Investment performance or outcomes
  • Accuracy of AI-generated content
  • Availability of the Platform
  • Suitability for your specific needs

13. Regulatory Status

13.1 Not a Regulated Entity

Plutonal.ai is NOT regulated by:

  • The Securities and Exchange Commission (SEC) in the United States
  • The Financial Industry Regulatory Authority (FINRA)
  • The Securities and Exchange Board of India (SEBI)
  • Any other securities or financial regulatory authority

13.2 No Registration

We do not hold ourselves out as a registered investment advisor, broker-dealer, or any regulated financial intermediary. We operate as a technology and information platform only.

14. General Provisions

14.1 Entire Agreement

These Terms constitute the entire agreement between you and Plutonal.ai regarding the Platform.

14.2 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full effect.

14.3 No Waiver

Our failure to enforce any provision does not constitute a waiver of that provision.

14.4 Assignment

You may not assign these Terms. We may assign our rights and obligations to any third party.

14.5 Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control.

15. Contact Information

For questions about these Terms, contact us at:

EXPLICIT USER ACKNOWLEDGMENT

BY CLICKING "I ACCEPT" OR BY USING THE PLATFORM, YOU EXPLICITLY ACKNOWLEDGE THAT:

✓ You have read and understood these Terms in their entirety
✓ You understand investing involves substantial risk of loss
✓ Plutonal.ai provides information only, not investment advice
✓ You will not hold Plutonal.ai liable for any investment losses
✓ You will consult licensed professionals before making investment decisions
✓ You assume all risks associated with your investment activities
✓ You agree to the governing law and jurisdiction provisions