PlutoIFA Website Terms & Conditions

Last updated: 4 March 2026

These Terms & Conditions (“Terms”) govern your use of www.plutoifa.com (the “Site”) and any related PlutoIFA online properties that link to these Terms.

If you access the PlutoIFA portals (Adviser, Client, Backoffice/Governance) or any subscription services, additional terms may apply as described below.

1) Who we are

The Site is operated by [LEGAL ENTITY NAME] trading as PlutoIFA (“PlutoIFA”, “we”, “us”, “our”).

• Registered office: [REGISTERED ADDRESS]
• Registration number: [NUMBER]
• VAT number (if applicable): [NUMBER]
• Contact email: [EMAIL]

Cyprus is an EU Member State.

2) What these Terms cover

These Terms apply to:

• visitors browsing the Site;
• anyone downloading materials, requesting demos, submitting forms, or contacting us via the Site; and
• (where applicable) users logging into PlutoIFA portals via links from the Site.

If you are a business customer using PlutoIFA as a subscription service, your use may also be governed by a separate Master Subscription Agreement / Order Form / DPA (together, “Service Terms”). If there is a conflict between these Terms and the Service Terms, the Service Terms prevail for the paid service.

3) Acceptance of Terms

By using the Site, you agree to these Terms. If you do not agree, do not use the Site.

If you use the Site on behalf of a company or other entity, you confirm you have authority to bind that entity.

4) Eligibility

You must be at least 18 years old to use the Site or submit enquiries.

5) Changes to the Site or Terms

We may update the Site and these Terms from time to time. The “Last updated” date shows when changes were made. Your continued use after changes means you accept the updated Terms.

6) About PlutoIFA (scope and positioning)

PlutoIFA is software for running a modern financial advice firm, bringing together client relationship management, advice workflows, and compliance processes, including multi-jurisdiction support.

PlutoIFA includes capabilities and portals designed for gov

Important clarifications: PlutoIFA is not a broker, exchange, trading venue, custodian, or “platform” for executing transactions.

• PlutoIFA does not place, route, or execute trades, and does not provide real-time trading functionality.
• Any analytics, dashboards, valuations, or performance views are informational and may be subject to delays, source limitations, or update intervals.

7) No financial advice / regulatory responsibility

The Site content is for general information about PlutoIFA.

PlutoIFA does not provide financial, investment, legal, tax, or regulatory advice to end clients via the Site. Licensed advisers and firms remain responsible for:

• suitability decisions and advice outcomes;
• regulatory compliance (including MiFID/IDD where applicable);
• record keeping; and
• supervisory oversight within their business.

8) AI features and machine-generated outputs

PlutoIFA may offer AI-assisted features (e.g., transcription, summarisation, action extraction, and draft content generation).

You acknowledge that:

• AI-generated outputs may be inaccurate, incomplete, or inappropriate
• Outputs are assistive and must be reviewed by a competent human before relying on them; and
• you are responsible for verifying outputs and ensuring they meet your professional, legal, regulatory, and client obligations.

9) Account access and security (where applicable)

If the Site links you to a PlutoIFA portal login:

• keep credentials confidential;
• use strong passwords and MFA where available;
• notify us promptly of suspected unauthorised access.

We may suspend access where we reasonably believe there is a security risk, misuse, or breach of these Terms or the Service Terms.

10) Permitted use of the Site

You may use the Site for lawful purposes, including viewing content, requesting information, and contacting us.

You must not:

• attempt to gain unauthorised access to the Site or systems;
• interfere with security, performance, or availability;
• introduce malware or harmful code;
• scrape, harvest, or mine data from the Site without permission;
• use the Site to transmit unlawful, defamatory, or infringing content; or
• misrepresent your identity or affiliation.

11) Intellectual property

All content on the Site (text, graphics, logos, UI elements, visuals, and materials) is owned by or licensed to PlutoIFA and protected by IP laws.

You may not copy, reproduce, distribute, or create derivative works from Site content without our written permission, except for normal browsing and printing a reasonable number of pages for internal business use.

12) Materials you submit

If you submit information via the Site (e.g., forms, enquiries, demo requests), you confirm that:

• the information is accurate to the best of your knowledge; and
• you have the right to provide it.

Unless otherwise agreed, we may use your submission to respond to you and manage our relationship.

13) Privacy and cookies

Our Privacy Policy and Cookie Policy explain how we process personal data and use cookies/analytics technologies.

Because Cyprus is in the EU, the GDPR framework is relevant where applicable.
(If you are a business customer, data processing terms are typically handled via a separate Data Processing Addendum.)

14) Third-party services and links

The Site may reference or integrate with third-party products/services (e.g., CRM, communications, document signing, analytics). PlutoIFA is not responsible for third-party services, availability, or content, and your use of them is governed by their terms.

15) Availability and maintenance

We aim to keep the Site available, but we do not guarantee uninterrupted access. The Site may be unavailable due to maintenance, updates, or events outside our control.

16) Disclaimers (Site)

To the fullest extent permitted by law:

• the Site is provided “as is” and “as available”;
• we make no warranties that the Site will be error-free, secure, or continuously available; and
• we do not warrant that Site content is complete, accurate, or up to date at all times.

17) Limitation of liability

Nothing in these Terms excludes or limits liability that cannot be excluded by law (including for fraud or fraudulent misrepresentation, and liability for death or personal injury caused by negligence where applicable).

Subject to the above, to the fullest extent permitted by law, PlutoIFA will not be liable for:

• indirect or consequential losses;
• loss of profit, revenue, business, contracts, goodwill, or anticipated savings;
• loss of data (except to the extent caused by our failure to apply reasonable security measures);
• losses arising from reliance on Site content; or
• losses due to third-party services, links, or internet/network failures.

Aggregate liability cap (Site): Our total liability arising out of or in connection with the Site and these Terms will be limited to €100 (or the minimum permitted cap under applicable law), except where a higher cap is required by law.

(For paid services, liability caps should sit in the Service Terms, not just here.)

18) Indemnity

If you are using the Site on behalf of a business, you agree to indemnify PlutoIFA against losses, claims, and expenses arising from your unlawful use of the Site or breach of these Terms.

19) Suspension and termination

We may suspend or terminate your access to the Site (or portal links) if we reasonably believe you have breached these Terms, or where required for security or legal reasons.

20) Electronic communications

You agree that we may communicate with you electronically (e.g., email responses to enquiries, notices relating to these Terms).

21) Governing law and jurisdiction (Cyprus)

These Terms are governed by the laws of the Republic of Cyprus.

Courts do not automatically follow governing law unless jurisdiction is also clearly stated, so: disputes arising from these Terms will be subject to the exclusive jurisdiction of the courts of Cyprus, unless mandatory local law requires otherwise.

If you are a consumer (unlikely for this kind of B2B SaaS, but still), you may have additional mandatory rights in your country of residence that cannot be overridden.

22) Miscellaneous

• Severability: If any provision is unlawful or unenforceable, the rest remains in effect.
• No waiver: Failure to enforce a provision is not a waiver.
• Assignment: You may not assign your rights without our consent; we may assign as part of a restructure or sale.
• Entire agreement: These Terms constitute the entire agreement for Site use, subject to any Service Terms for customers.

23) Contact

Questions about these Terms? Contact: https://plutoifa.com/contact/.