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Terms of Service

Pluto is an education-only platform. Pluto’s content has been prepared exclusively for information and educational purposes of our users. Please note that we do not provide any financial planning, accounting, investment advisory or tax advisory or any other financial advice nor recommendation. If you need financial advice please contact a qualified financial advisor. Nothing on the platform constitutes an offer to buy or sell or an inducement to buy or sell any security, product, service or investment. The learning information available by Pluto is not and does not constitute investment advice. Pluto does not provide any warranty or guarantee as to the accuracy, completeness or suitability of the information provided for any particular individual purpose. As Pluto is an education-only platform, it is not regulated by the Financial Conduct Authority (FCA) nor protected by the Financial Services Compensation Scheme (FSCS). Please be aware Pluto does not provide any real money or real investing services. While sponsorship partners within the app may provide such services, this is outside the Pluto platform and bound by different terms and conditions. Pluto does not accept any responsibility or liability for services provided by such partners or any losses incurred. Be careful. Please do your own research before making any investments with real money financial services organisations, as your capital will be at risk.

Please read these Terms and Conditions ("Terms", or "Terms and Conditions") carefully before using the Pluto mobile application (the "Service") and accessing content through the Service operated by Pluto Invest Ltd (“Pluto”, "us", "we", or "our").


1. General 

1.1. Your right to access to and use the Service is conditional upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Service.


1.2. By accessing or using the Service you confirm that you have read, understood and agree to be bound by these Terms and Conditions. We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. You are responsible for monitoring any such modifications or replacements. In the event of  material changes or revisions to these Terms, we will use reasonable endeavour to provide at least seven (7) days' prior notice by any written means prior to such material revision taking effect. What constitutes a material revision will be determined at our sole discretion. Any revisions to these Terms and Conditions will become effective the earlier of (i) the end of such 7-day period or (ii) the first time you access or use the Service after receiving notification of such changes. If you do not agree to abide by these Terms and Conditions, you are not authorised to use, access or participate in the Service. If you disagree with any part of the Terms and Conditions, including any material revisions, then you may not access or participate in the Service. Pluto only grants use and access of the Service, its products, and its services to those who have accepted these Terms.


2. Description of Service

2.1. The Service allows users to access and use a variety of education services, including but not limited to, lessons concerning finance education and demonstration or simulation investing experience. Pluto may, in its sole discretion and at any time, update, change, suspend, make improvements to or discontinue any aspect of the Service, temporarily or permanently. You must not use the Service for any purpose other than to access and use the education services provided to you through the Service, for your own personal educational purposes. 


3. Privacy policy

3.1. Before you continue using the Service, we advise you to read our Privacy Policy regarding our user data collection, which can be found here. It will help you better understand our practices. Our Privacy Policy sets out the terms on which we process any personal data we collect from you, or that you provide to us. By using our Service, you consent to such processing.  


4. Using the service

4.1. You may be asked for a name and email address when you download our application. This is optional.


5. Age restriction

5.1. You must be at least 16 (sixteen) years old before you can use the Service. By using the Service, you warrant that you are at least 16 years of age and you may legally adhere to these Terms and Conditions. Pluto assumes no responsibility for liabilities related to age misrepresentation.


6.  Intellectual property

6.1. You agree that the Service, including but not limited to all materials, content, graphics, user interface (UI), audio and videos, and the software used to implement the Service, contain proprietary information and material that is owned by Pluto, its affiliates, directors, officers, employees, agents, suppliers, or licensors including all copyrights, trade secrets, trademarks, patents, and other intellectual property rights. You agree and acknowledge that the Service is protected by the applicable intellectual property and other law. You also agree that you will not access, use, reproduce or redistribute Pluto's intellectual property in any way whatsoever except for use of the personal, noncommercial uses in compliance with these Terms and Conditions. 


7. Termination

7.1. Pluto may terminate your access and use of the Service immediately at any time, for any reason, and at such time you will have no further right to use the Service. The provisions of these Terms and Conditions relating to the protection and enforcement of Pluto’s proprietary rights, your representations and warranties, disclaimer of representations and warranties, release and indemnities, limitations of liability and types of damages, ownership of data and information, governing law and venue, and miscellaneous provisions shall survive any such termination.


8. Warranty, Indemnification and Limitation on Liability

8.1. Our Service is provided “as is”, and we can’t guarantee it will be safe or secure or will work perfectly all the time. 


8.2. To the extent permitted by applicable law, we disclaim all warranties, whether express or implied, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Without limiting the generality of the foregoing, we do not make any representation or warranty of any kind relating to accuracy, service availability, completeness, informational content, error-free operation, results to be obtained from use, or non-infringement. Access and use of the service may be unavailable during periods of peak demand, system upgrades, malfunctions or scheduled or unscheduled maintenance or for other reasons not mentioned. 


8.3. We only provide our service for domestic and private use. You agree not to use our service for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity of any kind. 


8.5. We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our service or to your downloading of any content on it, or on any website linked to it.


8.7. You agree to indemnify and hold harmless Pluto and its sponsors, partners and affiliates against all losses, legal claims and demands that may arise in connection with your use or misuse of our service in breach of these terms. We reserve the right to select our own legal counsel. 


8.8. Pluto is not liable for any damages that may occur to you as a result of your misuse of our service. Pluto is also not liable for any damages or losses incurred in the event of operating real money services with a sponsor, partner or affiliate of another service where your capital may be at risk.


9. Viruses, Hacking and Other Offences

9.1. You must not misuse our Service by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our Service, the server on which our Service is stored or any server, computer or database connected to our Service. You must not attack our Service via a denial-of-service attack or a distributed denial-of service attack. In the event of such a breach, your right to use our Service will cease immediately and appropriate legal action will be enforced.


11. Additional Terms

11.1. Free Services and Trials

Your right to access and use any free Services is not guaranteed for any period of time and we reserve the right, in our sole discretion, to limit or terminate your use of any free versions of any Services by any individual or entity. We may modify or discontinue any trials, promotions or pricing at our sole discretion and  at any time without notice.


11.2 Beta Services

We may offer you access to beta services that are being provided prior to general release, but we do not make any guarantees that these services will be made generally available (“Beta Services”). You understand and agree that the Beta Services may contain bugs, errors and other defects, and use of the Beta Services is at your sole risk. You acknowledge that your use of Beta Services is on a voluntary and optional basis, and we have no obligation to provide technical support and may discontinue provision of Beta Services at any time in our sole discretion and without prior notice to you. These Beta Services are offered “AS-IS”, and to the extent permitted by applicable law, we disclaim any liability, warranties, indemnities, and conditions, whether express, implied, statutory or otherwise. If you are using Beta Services, you agree to receive related correspondence and updates from us, and acknowledge that opting out may result in cancellation of your access to the Beta Services. If you provide feedback (“Feedback”) about the Beta Service, you agree that we own any Feedback that you share with us. For the Beta Services only, these Terms and Conditions supersede any conflicting terms and conditions in the Agreement, but only to the extent necessary to resolve conflict.


11.3. Third-Party Links, Sites and Services

Our Service may contain links to third-party web sites or services that are not owned or controlled by Pluto. Pluto has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. You further acknowledge and agree that Pluto shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services. The content on our Service is provided for general information only and although we make reasonable efforts to update the information on our Service, we make no representations, warranties or guarantees, whether expressed or implied, that the content on our Service is accurate, complete or up-to-date. The content made available through our Service is not intended to amount to financial or other professional advice on which you should rely. You must obtain financial or other professional advice if you require it before taking, or refraining from, any action on the basis of the content on our Service. 


11.4. Applicable law

By using the Services, you agree that the laws of England and Wales, without regard to principles of conflict of laws, will govern these Terms and Conditions, or any dispute of any sort that might come between Pluto and you, or its business partners and associates. You and we both agree that the courts of England and Wales will have exclusive jurisdiction.


11.5. No Waiver

If we fail at any time to insist upon strict performance of any of your obligations under these terms of use, or if we fail to exercise any of the rights or remedies to which we are entitled under these terms of use, this shall not constitute a waiver of such rights or remedies and shall not relieve you from compliance with such obligations.


11.6. No Partnership

You agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of these Terms or of use of the Service.


11.7. No Third Party Rights

Nothing in these Terms shall confer, or is intended to confer, on any person or corporation that is not party to these Terms any benefit or the right to enforce any term of these Terms.


11.8. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck out and the remaining provisions shall remain in full force and effect. 


11.9. We may transfer these Terms

We may transfer our rights and obligations under these Terms to another organisation. We will always notify you in writing if this happens and we will ensure that the transfer will not affect your rights under the Terms. 


12. Licence to Service

Applications made available through the App Store are licensed, not sold, to you. Your licence to each application is subject to your prior acceptance of a Licensed Application End User Licence Agreement (“Standard EULA”), which can be found here. Subject to your agreement to the terms of these Terms and Conditions and the Standard EULA, Pluto grants you a non-transferable, non-exclusive licence to download, install, and use one copy of its Service in object code form only on an interactive wireless device that you own or control. By agreeing to these Terms and Conditions, you confirm that you have read, understood and agreed to the Standard EULA terms in full. 

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