Terms and Conditions

1. Acceptance of Terms

By accessing or using the Plenacapitoria website (the "Site") or any associated services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use the Site or our services.

2. Nature of Our Services

Plenacapitoria provides AI-assisted analysis, educational content, and general information related to investment risk and long-term savings planning. Our services are informational in nature and do not constitute personalised financial, tax, or legal advice.

Nothing on this Site should be interpreted as a recommendation to buy, sell, or hold any specific investment or financial product. You are responsible for making your own decisions regarding your ISA, pension, or other savings and investment accounts, and you should seek independent professional advice where appropriate.

3. No Guarantee of Outcomes

Any figures, projections, illustrations, or analysis presented on the Site are provided for general informational purposes only. Past performance is not a reliable indicator of future results, and the value of investments can fall as well as rise. Plenacapitoria makes no representation or warranty as to the accuracy, completeness, or reliability of any analysis provided.

4. Eligibility and Account Use

By using the Site, you confirm that you are at least 18 years old and legally capable of entering into a binding agreement. If you use any interactive tools, contact forms, or request analysis through the Site, you agree to provide accurate and truthful information.

5. Intellectual Property

All content on this Site, including text, graphics, logos, charts, and software, is the property of Plenacapitoria or its licensors and is protected by applicable intellectual property laws. You may view and use the content for personal, non-commercial purposes only. You may not reproduce, distribute, modify, or create derivative works from any part of the Site without our prior written consent.

6. Acceptable Use

You agree not to misuse the Site. This includes, without limitation, agreeing not to:

• Attempt to gain unauthorised access to any part of the Site or its underlying systems;
• Use automated tools to scrape, harvest, or extract data from the Site without permission;
• Introduce viruses, malware, or other harmful code;
• Use the Site in any way that could damage, disable, or impair its functionality;
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.

7. Third-Party Links

The Site may contain links to third-party websites or resources. These links are provided for convenience only. Plenacapitoria does not endorse and is not responsible for the content, accuracy, or practices of any third-party sites, and your use of such sites is at your own risk.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Plenacapitoria, its owners, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or inability to use, the Site or any content or analysis provided through it, including any financial losses resulting from decisions made based on information found on the Site.

9. Disclaimer of Warranties

The Site and its content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, secure, or free from errors.

10. Indemnification

You agree to indemnify and hold harmless Plenacapitoria and its affiliates from any claims, losses, liabilities, damages, costs, or expenses (including reasonable legal fees) arising out of your use of the Site or your violation of these Terms.

11. Changes to These Terms

We may update these Terms from time to time to reflect changes in our services or for legal or regulatory reasons. Any updates will be posted on this page with a revised "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

12. Termination

We reserve the right to suspend or terminate your access to the Site at our discretion, without notice, if we believe you have violated these Terms or engaged in conduct that we deem harmful to Plenacapitoria or other users.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Plenacapitoria operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction.

14. Contact

If you have any questions about these Terms, please get in touch via our Contact page.