These Terms apply to you as an individual user. Where you use the Service on behalf of an organisation, you confirm that you are authorised to bind that organisation, and "you" means both you and that organisation.

Where your organisation has signed a separate written agreement with us covering the Service, that agreement governs and these Terms apply only to the extent they do not conflict with it.

• You must be at least 18 years old and legally capable of entering into a contract.
• You must provide accurate registration details and keep them current.
• You are responsible for your credentials and for everything done under your account. Tell us promptly if you believe it has been accessed without your authorisation.
• Accounts are personal. Do not share credentials or let another person use your account.

Some accounts are provisioned by a financial institution or an advisor acting for you. In that case your access may also be subject to that institution's own terms, and it may be varied or withdrawn by them.

Analyzera is a portfolio analysis and construction platform. Depending on the access you have been granted, the Service may include portfolio management and reporting tools, risk and performance analytics, strategy construction and backtesting, an AI assistant, and an MCP server that exposes a subset of these capabilities to third-party AI clients.

Features differ between plans and between institutions, and we may add, change or withdraw features over time. We aim to give reasonable notice before withdrawing a feature that you rely on materially.

You keep all rights in the portfolios, holdings, documents and other material you submit to the Service ("Your Content"). You grant us a limited licence to host, process and display Your Content for the purpose of operating the Service for you, and for no other purpose.

You are responsible for having the right to submit Your Content, including where it describes another person's holdings or personal circumstances.

How we handle personal data is described in our Privacy Policy and our Cookie Policy.

The Service uses artificial intelligence, including third-party language models, to generate explanations, summaries and suggestions. AI output can be incomplete or wrong, and it should be reviewed before it is relied on or passed to a client.

Where you use the MCP server with a third-party AI client, that client is operated by someone else under their own terms and privacy policy. What you send to it, and what it does with what we return, is outside our control.

• Paid plans are billed in advance, monthly, through our payment processor. Prices are shown on the pricing page and exclude VAT where VAT is stated separately.
• Subscriptions renew automatically at the end of each billing period until cancelled.
• You may cancel at any time. Cancellation takes effect at the end of the billing period you have already paid for, and you keep access until then.
• We do not generally refund part-used billing periods, except where a refund is required by law or where we have failed to provide the Service.
• We may change prices on notice before the start of a renewal period. If you do not accept a change, you may cancel before it takes effect.

Card details are handled by our payment processor and are never stored on our systems.

Plans carry limits on activity such as tool calls, strategy builds and backtests. Free plan limits are published on the pricing page. Paid plans are set well above normal individual use rather than to a published number, so that we can raise them without that reading as a promise about any particular figure.

We may apply rate limits, and may contact you about use that is materially beyond what a plan was designed for — including automated or resold access — before restricting it.

The Service displays market data, instrument reference data, benchmarks and documents sourced from third parties. That content remains theirs, may be subject to their own licence terms, and may be delayed, restated or withdrawn. We do not warrant its accuracy or completeness.

Where you connect an external account or an institution to the Service, you authorise us to retrieve the data that connection exposes, for the purpose of showing it to you and analysing it.

To the fullest extent permitted by law, we are not liable for investment losses, lost profits, lost opportunity, or indirect or consequential loss arising from your use of the Service. Our total liability in any twelve-month period is limited to the fees you paid us for the Service in that period.

Nothing in these Terms limits liability for death or personal injury caused by negligence, for fraud, or for any other liability that cannot be limited by law — including, where it applies, liability arising from the provision of regulated investment advice.

You may stop using the Service and close your account at any time. We may suspend or terminate access where you materially breach these Terms, where we are required to by law or by a regulator, or where continued access presents a security risk. Where it is practical and lawful to do so, we will tell you why and give you a chance to put the breach right first.

On termination your right to use the Service ends. We retain records for as long as we are required to, including records of advice given, as described in our Privacy Policy.