Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your access to and use of the ARIA platform, including our website at ariapm.ai and our AI-powered research and investment assistant tools (collectively, the "Platform"), provided by ARIA PM Ltd, a company registered in England and Wales ("ARIA", "we", "us", or "our").

Please read these Terms carefully before using our Platform. By accessing or using the Platform, you agree to be bound by these Terms. If you do not agree, you must not access or use the Platform.

2. Important Regulatory Disclaimer

ARIA is not authorised or regulated by the Financial Conduct Authority (FCA). The Platform does not provide personalised financial advice, investment recommendations, or portfolio management services.

The AI-generated research, analysis, and insights provided through the Platform are for general informational and educational purposes only. They do not constitute:

• Financial, investment, tax, or legal advice of any kind
• A personal recommendation to buy, sell, or hold any investment
• An offer or solicitation to trade any financial instrument
• A guarantee or prediction of future market performance

You should always seek independent financial advice from a qualified and FCA-regulated adviser before making any investment decisions. The value of investments can go down as well as up, and you may get back less than you invest.

3. Eligibility

You must be at least 18 years of age and resident in the United Kingdom to use the Platform. By using the Platform, you confirm that you meet these eligibility requirements.

If you are accessing the Platform on behalf of a business or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

4. Account Registration

To access the Platform, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Keep your login credentials confidential
• Notify us immediately of any unauthorised access to your account
• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that we reasonably believe contain inaccurate information or are being used in breach of these Terms.

5. Platform Services

ARIA provides AI-powered tools for investment research and portfolio analysis, including:

• AI-generated research reports and market analysis
• Portfolio tracking and performance analytics
• Risk assessment and diversification insights
• Market data aggregation and visualisation

We reserve the right to modify, update, or discontinue any feature of the Platform at any time, with or without notice. We shall not be liable for any modification, suspension, or discontinuation of the Platform.

6. AI-Generated Content

6.1 Nature of AI-Generated Content

The Platform uses artificial intelligence to generate research, analysis, and insights. You acknowledge and agree that:

• AI-generated content may contain errors, inaccuracies, or omissions
• AI outputs are based on available data and algorithms, which have inherent limitations
• Past performance data and analysis do not guarantee future results
• AI-generated content should not be the sole basis for any investment decision

6.2 Your Responsibility

You are solely responsible for any investment decisions you make. The Platform is a research tool, and you must exercise your own independent judgement. We strongly recommend consulting a qualified financial adviser before acting on any information obtained through the Platform.

6.3 No Liability for AI Content

ARIA shall not be liable for any losses, damages, or expenses arising from reliance on AI-generated content, including but not limited to investment losses, missed opportunities, or decisions made based on Platform outputs.

7. Fees, Payment, and Subscription

7.1 Subscription Fees

Access to the Platform requires payment of subscription fees as set out on our pricing page. Fees are charged in advance on a recurring basis (monthly or annually, as selected) and are inclusive of VAT where applicable.

7.2 Payment

You authorise us to charge your designated payment method for all fees due. Payment processing is handled by third-party payment processors. We are not responsible for errors arising from third-party payment processing.

7.3 Price Changes

We reserve the right to modify our fees upon 30 days' prior notice. Price changes will take effect at the start of your next subscription period following the notice.

7.4 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of your current billing period. You will retain access to the Platform until the end of the period for which you have paid.

7.5 Refunds

Subscription fees are generally non-refundable. However, if you are a consumer exercising your right to cancel within 14 days of your initial subscription under the Consumer Contracts Regulations 2013, you may be entitled to a pro-rata refund for the unused portion of the subscription period, less a reasonable charge for any services already provided.

8. Acceptable Use

You agree not to:

• Use the Platform for any unlawful purpose or in violation of any applicable laws or regulations
• Redistribute, resell, or commercially exploit AI-generated content or any Platform data without our prior written consent
• Reverse engineer, decompile, disassemble, or attempt to extract the source code of the Platform
• Use automated systems (bots, scrapers, etc.) to access the Platform beyond normal usage
• Attempt to gain unauthorised access to the Platform, other accounts, or connected systems
• Interfere with or disrupt the integrity or performance of the Platform
• Use the Platform to provide financial advice to third parties or operate an investment advisory service

9. Intellectual Property

9.1 Our Intellectual Property

The Platform, including all software, designs, text, graphics, logos, and the selection and arrangement thereof, is owned by or licensed to ARIA PM Ltd and is protected by copyright, trademark, and other intellectual property laws. Nothing in these Terms grants you any ownership rights in the Platform.

9.2 Your Content

You retain ownership of any content you submit to the Platform, including portfolio data and research queries. By submitting content, you grant us a non-exclusive, worldwide, royalty-free licence to use, store, and process such content solely for the purpose of providing the Platform services to you.

9.3 AI Output

Subject to your compliance with these Terms and payment of applicable fees, you may use AI-generated research and analysis for your personal, non-commercial investment decision-making. You may not redistribute or commercially exploit AI outputs without our prior written consent.

10. Data Protection

We process personal data in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. Please refer to our Privacy Policy for details on how we handle personal data.

11. Disclaimer of Warranties

The Platform is provided on an "as is" and "as available" basis. To the maximum extent permitted by applicable law, we disclaim all warranties, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

• The Platform will be uninterrupted, error-free, or free of harmful components
• AI-generated content will be accurate, complete, or reliable
• Market data will be real-time or free from delays
• The Platform will meet your specific investment objectives or requirements

Nothing in these Terms affects your statutory rights as a consumer under the Consumer Rights Act 2015.

12. Limitation of Liability

12.1 Exclusion of Certain Damages

To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, loss of data, loss of business, investment losses, or loss of anticipated savings.

12.2 Cap on Liability

Our total aggregate liability for all claims arising out of or in connection with these Terms shall not exceed the greater of: (a) the total fees paid by you in the twelve (12) months preceding the claim; or (b) one hundred pounds sterling (£100).

12.3 Exceptions

Nothing in these Terms excludes or limits liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any other liability that cannot be excluded or limited under applicable law, including your statutory rights as a consumer

13. Term and Termination

13.1 Term

These Terms commence on the date you first access or use the Platform and continue until terminated.

13.2 Termination by You

You may terminate these Terms at any time by cancelling your subscription and ceasing all use of the Platform.

13.3 Termination by Us

We may terminate or suspend your access to the Platform immediately, without prior notice, if you breach any provision of these Terms, fail to pay any fees when due, or if we are required to do so by law.

13.4 Effect of Termination

Upon termination, your licence to use the Platform shall immediately cease. Provisions that by their nature should survive termination shall survive, including intellectual property provisions, disclaimers, and limitations of liability.

14. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email or through a prominent notice on the Platform. For existing users, material changes will become effective 30 days after posting. Your continued use of the Platform after changes constitutes your acceptance of the new Terms.

15. Governing Law and Disputes

These Terms are governed by and construed in accordance with the laws of England and Wales. The courts of England and Wales shall have exclusive jurisdiction over any disputes arising out of or in connection with these Terms.

Before initiating legal proceedings, you agree to contact us to attempt to resolve any dispute informally. We will endeavour to resolve complaints and disputes promptly and fairly.

16. General Provisions

• These Terms, together with our Privacy Policy, constitute the entire agreement between you and ARIA PM Ltd regarding the Platform
• If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect
• Our failure to enforce any right or provision shall not constitute a waiver of such right or provision
• You may not assign or transfer these Terms without our prior written consent
• No third party shall have the right to enforce any provision of these Terms under the Contracts (Rights of Third Parties) Act 1999

17. Contact Us

If you have any questions about these Terms, please contact us:

• ARIA PM Ltd
• Email: support@ariapm.ai
• Website: ariapm.ai