Terms of Use
These Terms of Use (the "Terms") are an agreement between you and Amten.ai ("Amten.ai", "we", "us" or "our") and govern your use of the Amten.ai website, the app at app.amten.ai, its installable version, and every related feature, page and service (together, the "Service").
Please read them carefully. Section 17 asks you to resolve disputes through individual arbitration and waive class actions, and sections 12 and 13 limit our liability. The Service is for research and education only and is not investment advice (section 4).
Acceptance of these Terms
By creating an account, signing in, or otherwise using the Service, you agree to these Terms and to our Privacy Policy, which explains how we handle personal data. If you do not agree, do not use the Service.
If you use the Service on behalf of an organisation, you confirm that you are authorised to accept these Terms for it, and "you" includes that organisation.
Eligibility
You must be at least 18 years old and able to form a binding contract to use the Service. You may not use the Service where doing so is prohibited by law, or if we have previously suspended or closed your account.
Your account
You sign in through our sign-in provider. You agree to give accurate information, keep your sign-in credentials secure, and tell us promptly at legal@amten.ai if you believe your account has been used without your permission. You are responsible for everything done through your account.
Accounts are personal. You may not share, sell or transfer your account, or let anyone else use it. Access may be by invitation, and we may decide who receives access.
Research and education only, not advice
The Service presents research, data and explanations about companies, funds, sectors and markets for information and education. It is not, and must not be relied on as, investment, financial, legal, tax, accounting or other professional advice.
- Nothing in the Service is a recommendation, offer or solicitation to buy, sell or hold any security, fund or other financial instrument, or to follow any investment strategy.
- Nothing in the Service takes account of your objectives, financial situation, needs or risk tolerance.
- Using the Service does not create any fiduciary, advisory, broker or client relationship between you and Amten.ai.
- Amten.ai is not a registered investment adviser, broker-dealer, financial planner or tax adviser, and does not provide personalised advice.
Investing involves risk, including the loss of all of the money invested. Past performance and historical patterns do not predict future results. You alone are responsible for your investment decisions and their results. Before making any financial decision, verify the information independently and consult a licensed professional who knows your circumstances.
Automated research and AI
Stories, beats, readings, explanations, branches, answers and research in the Service are produced by automated systems, including AI agents acting as researchers and AI models that judge, summarise and write. Like any human researcher, they can make mistakes.
- Output can be inaccurate, incomplete, out of date, misattributed or inconsistent, and can state things with more confidence than the evidence supports.
- Figures can be wrong, delayed or based on data that a source later revised. Prices may be delayed and are not suitable for trading.
- The plausibility of a reading is a judgment about evidence, not a probability of any market outcome.
- Output is generated for many readers and is not tailored to you.
You must check anything that matters to you against the original sources before relying on it. We do not guarantee that any output is correct, and we are not responsible for decisions made on the basis of it.
Third-party data and links
The Service draws on information from third parties, including SEC filings and other regulatory records, market data vendors, news publishers, fund holdings disclosures and websites. We do not control these sources and provide their information without any warranty. Sources can contain errors, be delayed or change their data after we read it.
The Service may link to websites and services we do not operate. We are not responsible for their content, availability or practices, and a link is not an endorsement. Your use of them is governed by their own terms.
Credits and payments
Some features use credits. The price of an action in credits is shown before it runs, and reading a story you have already opened is not charged again.
- Credits are a licence to use features of the Service. They are not money, have no cash value, earn no interest, and cannot be exchanged for cash, sold, transferred or gifted, except where we expressly allow it.
- Credits granted with a plan expire at the end of the period they were granted for (each calendar month for monthly plans). Purchased, trial or promotional credits may carry their own expiry, which we will tell you about.
- We may change the price of actions in credits, the price of credit packs and plans, and what plans include, for the future. Changes do not affect credits you have already paid for.
- Plans or packs marked "coming soon" are not yet available, and we are not obliged to offer them.
- Payments are processed by our payment provider. You authorise us and it to charge the payment method you choose for what you buy, including applicable taxes.
- Except where the law requires otherwise, all payments are final and non-refundable, and unused or expired credits are not refunded, including when an account is closed.
We may correct credits granted or charged in error. If we suspend or close your account for a breach of these Terms, any remaining credits are forfeited, to the extent the law allows.
Acceptable use
You agree not to, and not to help anyone else to:
- scrape, crawl, harvest or copy the Service or its content by automated means, or access it through bots, scripts or other automated tools, except through interfaces we publish for that purpose;
- reverse engineer, decompile, disassemble or try to derive the source code, models, prompts or methods of the Service, except where the law expressly permits it despite this restriction;
- resell, sublicense, rent, redistribute, publish in bulk or commercially exploit the Service or its content, or use it to build a competing product or train machine learning models;
- probe, test or breach the Service's security, interfere with its operation, or put an unreasonable load on it;
- get around limits, credits, access controls or charges, or create multiple accounts to do so;
- use the Service for anything unlawful, including market manipulation, spreading false or misleading information about securities, insider trading, fraud, or breaching securities or sanctions laws;
- submit material that is unlawful, infringing, defamatory, or that contains other people's confidential information or material non-public information;
- present output of the Service as your own professional advice, or as advice or a recommendation from Amten.ai.
Your questions and content
You keep whatever rights you have in the questions you ask and anything else you submit ("Your Content"). You give Amten.ai a worldwide, non-exclusive, royalty-free, sublicensable licence to host, copy, process, adapt and use Your Content to operate, provide, secure and improve the Service, including by sending it to the service providers and AI model providers that help produce answers.
Stories and branches built from your questions may become part of the shared library other readers can open. They are composed from public sources and do not name you. Do not submit anything you are not entitled to share or that you want kept confidential.
You confirm that you have the rights needed to submit Your Content and that it does not breach these Terms or the law.
Intellectual property
The Service, including its software, design, text, stories, visuals, methods and trademarks, belongs to Amten.ai or its licensors and is protected by law. Subject to these Terms, we give you a limited, personal, revocable, non-exclusive, non-transferable licence to use the Service for your own research and education.
You may share links to stories and quote short passages with attribution to Amten.ai. Any other use needs our written permission. All rights not expressly granted are reserved.
If you send us feedback or suggestions, we may use them without any obligation to you.
Suspension and termination
You may stop using the Service at any time, and you can ask us to close your account and erase your data (see the Privacy Policy).
We may suspend, limit or close your access, with or without notice, if we reasonably believe you have breached these Terms, if required by law, to protect the Service, other users or third parties, or if we stop offering the Service. Sections that by their nature should survive (including sections 4 to 7, 9, 10 and 12 to 19) survive termination.
Disclaimer of warranties
THE SERVICE AND ALL CONTENT, DATA AND OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT THE LAW ALLOWS, AMTEN.AI DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS AND AVAILABILITY.
We do not warrant that the Service will be uninterrupted, secure or error-free, that defects will be corrected, or that any output, figure or reading is accurate or reliable. Some jurisdictions do not allow certain warranties to be excluded, so some of these exclusions may not apply to you.
Limitation of liability
TO THE FULLEST EXTENT THE LAW ALLOWS:
- AMTEN.AI AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, LICENSORS AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL OR OPPORTUNITY, HOWEVER CAUSED, EVEN IF ADVISED OF THEIR POSSIBILITY;
- AMTEN.AI WILL NOT BE LIABLE FOR ANY TRADING OR INVESTMENT LOSSES, OR ANY LOSS ARISING FROM DECISIONS MADE OR ACTIONS TAKEN IN RELIANCE ON THE SERVICE OR ITS OUTPUT;
- AMTEN.AI'S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM AND USD 100.
These limits apply whatever the legal theory (contract, tort including negligence, strict liability or otherwise) and even if a remedy fails of its essential purpose. They do not limit liability that cannot be limited by law, such as for fraud or for death or personal injury caused by negligence.
Indemnification
You agree to defend, indemnify and hold harmless Amten.ai and its affiliates, officers, employees and agents from any claims, losses, liabilities, damages, costs and expenses (including reasonable legal fees) arising from your use of the Service, Your Content, your breach of these Terms, or your breach of any law or the rights of a third party.
Changes to the Service and these Terms
We may change, add or remove features of the Service at any time.
We may update these Terms. Each version carries a version number and an effective date. If you keep using the Service after an update takes effect, you accept the updated Terms. For a material change, we will ask you to accept the new version before you continue; if you do not accept it, you must stop using the Service.
Governing law
These Terms and any dispute relating to them or the Service are governed by the laws of the State of California, United States, without regard to its conflict-of-laws rules. Subject to section 17, the state and federal courts located in San Mateo County, California have exclusive jurisdiction, and you and Amten.ai consent to their personal jurisdiction and venue.
Disputes: individual arbitration and class action waiver
Please contact us first at legal@amten.ai; most concerns can be settled quickly that way. If a dispute is not resolved within 60 days, you and Amten.ai agree that it will be resolved by final and binding arbitration on an individual basis, administered by [the American Arbitration Association under its Consumer Arbitration Rules] and held in San Mateo County, California (or by video, if both agree), except as set out below.
- Class action waiver: claims may be brought only in your or our individual capacity, and not as a plaintiff or class member in any class, consolidated or representative proceeding. The arbitrator may not consolidate claims or preside over any class or representative proceeding.
- Small claims: either party may bring an individual claim in a small claims court that has jurisdiction.
- Intellectual property and misuse: either party may seek injunctive or other equitable relief in court to protect its intellectual property or to stop a breach of section 8.
- Opt-out: you may opt out of this arbitration agreement by emailing legal@amten.ai within 30 days of first accepting these Terms.
If the class action waiver is found unenforceable for a claim, that claim must be decided in court and not in arbitration. [The scope, rules, fees and opt-out of this section are to be confirmed by counsel.]
Severability and entire agreement
If any part of these Terms is found unenforceable, it will be enforced to the greatest extent permitted and the rest will remain in effect. Our not enforcing a provision is not a waiver of it.
These Terms, together with the Privacy Policy and any terms shown when you buy credits, are the entire agreement between you and Amten.ai about the Service and replace any earlier agreements about it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets. Nothing in these Terms creates a partnership, agency or employment relationship.
Contact
Questions about these Terms: legal@amten.ai.
See also the Privacy Policy.