Terms of Service

1. Who We Are

INSTITUTIONAL AI LTD (“we”, “us”, “our”) operates a website that provides information, research, software tools, and related resources in the fields of quantitative finance, artificial intelligence, and data analytics. The Services are intended for professional and informational use only.

2. Eligibility

You must be at least 18 years old to use the Services. By using the Services, you represent that you have the legal capacity to enter into these Terms.

3. Use of the Services

You may use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Access or use the Services in any manner that violates applicable law or regulation.
• Attempt to interfere with, compromise, or circumvent any security features of the Site.
• Reverse-engineer, copy, or resell the Services or their underlying code without our prior written permission.
• Submit or upload content that is unlawful, defamatory, infringing, or otherwise inappropriate.

We may modify, update, suspend, or discontinue any part of the Services at any time without prior notice.

4. No Financial Advice

All content and tools provided through the Services are for informational and research purposes only. Nothing on the Site constitutes:

• Investment advice
• Trading recommendations
• Portfolio management
• Financial promotions

You are solely responsible for any decisions you make using or based on the Services.

5. Intellectual Property

All content on the Site — including text, graphics, software, models, research outputs, and logos — is owned by INSTITUTIONAL AI LTD or its licensors and is protected by copyright and other intellectual-property laws.

You may not reproduce, distribute, or create derivative works from the content without our express written permission, except where otherwise permitted by law.

6. User Accounts

If certain Services require registration:

• You are responsible for maintaining the confidentiality of your account credentials.
• You must immediately notify us of any unauthorized access or suspected breach.
• We reserve the right to suspend or terminate accounts that violate these Terms.

Users retain ownership of any content they submit to the Services (if applicable), but grant us a limited licence to use such content solely for operating the Services.

7. Third-Party Links and Tools

The Services may contain links to third-party websites or tools. We do not endorse and are not responsible for the content, products, or services of third parties. You use these resources at your own risk.

8. Privacy

If we collect or process personal data, it will be handled in accordance with our Privacy Policy. By using the Services, you consent to our processing of your information as described in that policy.

9. Disclaimers

The Services are provided on an “as is” and “as available” basis. We make no representations or warranties of any kind, express or implied, including:

• Accuracy, completeness, or reliability of the content
• Availability of the Services
• Fitness of the Services for any particular purpose

We do not guarantee that the Services will be uninterrupted, secure, error-free, or free from harmful components.

10. Limitation of Liability

To the maximum extent permitted by law:

• We will not be liable for any indirect, incidental, consequential, special, or exemplary damages arising from your use of the Services.
• Our total liability for any claim relating to the Services will not exceed £100 or the amount you paid for the Services in the last 12 months, whichever is greater.

11. Indemnification

You agree to indemnify and hold harmless INSTITUTIONAL AI LTD and its directors, employees, and affiliates against any claims, damages, liabilities, or expenses arising from:

• Your use of the Services
• Your violation of these Terms
• Your infringement of any third-party rights

12. Changes to the Terms

We may update these Terms from time to time. The “Last updated” date at the top indicates when changes were made. Continued use of the Services after changes means you accept the updated Terms.

13. Governing Law

These Terms are governed by the laws of England and Wales. Any disputes arising out of these Terms or the Services are subject to the exclusive jurisdiction of the courts of England and Wales.

14. Contact

If you have questions about these Terms, you can contact us at:

Email: support@institutional.ai