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Terms of Use

Effective Date: 01 June 2026

Last Updated: 01 June 2026

These Terms of Use (the “Terms”) govern your access to and use of the Avex AI website, platform, dashboards, tools, applications, analytics, models, content, and related services (collectively, the “Platform”), made available by Avex AI, together with its affiliates, subsidiaries, and service providers (“Avex”, “we”, “us”, or “our”).

By accessing or using the Platform, creating an account, connecting data sources, uploading information, commencing a trial, or purchasing a subscription, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Platform.

1. The Platform

Avex AI is a digital analytics and intelligence platform designed to help users organise financial information, monitor portfolio data, model scenarios, and receive informational outputs, contextual analytics, and educational insights relating to wealth, markets, allocation, income, and related topics.

The Platform may include, without limitation:

  • portfolio and net worth aggregation tools;
  • account connectivity and imported data processing;
  • cash, holdings, dividend, property, and private investment tracking;
  • tax data summaries and report generation tools;
  • AI-generated commentary, scenario analysis, alerts, and chat responses; and
  • on-platform dashboards, calculators, visualisations, and exports.

2. No Financial Advice; No Personal Recommendation

Avex AI does not provide financial advice, investment advice, tax advice, legal advice, accounting advice, or any other regulated professional service.

The Platform is provided solely for informational, analytical, mathematical, educational, and scenario-modelling purposes. Nothing on the Platform constitutes, or shall be interpreted as:

  • a recommendation to buy, sell, hold, or dispose of any security, asset, or investment product;
  • a personal recommendation or advice tailored to your circumstances;
  • portfolio management, wealth management, brokerage, dealing, execution, or arranging activity;
  • tax filing advice or legal guidance; or
  • an offer, solicitation, endorsement, or invitation to enter into any transaction.

Any information, scenario, alert, observation, projection, optimisation output, commentary, score, risk flag, or model-generated insight made available through the Platform is general in nature, may be incomplete, may be based on assumptions or third-party data, and must not be relied upon as a substitute for independent professional advice.

All decisions you make in relation to your assets, investments, tax affairs, property holdings, account connections, subscriptions, or financial planning remain solely your responsibility.You are solely responsible for determining whether any information provided by the Platform is suitable, appropriate, accurate, complete, or relevant to your circumstances.

If you require financial, investment, legal, tax, accounting, or regulatory advice, you should consult an appropriately qualified and authorised professional adviser.

3. Important Risk Disclosure

Investing and holding assets involve risk. Asset values may rise or fall. Past performance, historical data, hypothetical back-tests, scenario outputs, projections, estimated yields, valuation ranges, modelled tax impacts, or prior scenario accuracy do not guarantee future performance or outcomes.

AI-generated content may be probabilistic, inferential, incomplete, or inaccurate. Market data and third-party information may be delayed, unavailable, inconsistent, or erroneous. Property valuations, private investment valuations, macro interpretations, and scenario models are inherently uncertain and must not be treated as statements of fact or guarantees of outcome.

4. Eligibility and Account Registration

To use the Platform, you must be at least 18 years of age and capable of entering into a legally binding contract. By using the Platform, you represent and warrant that you satisfy these requirements and that your use of the Platform does not violate any applicable law or regulation.

You may be required to create an account and provide certain information, including your name, email address, billing details, and onboarding inputs. You agree that all information you provide will be accurate, current, and complete, and that you will promptly update such information if it changes.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us promptly if you suspect any unauthorised use of your account or any other security incident.

5. Connected Accounts, Imports, and Third-Party Data Sources

The Platform may permit you to connect financial accounts, import statements, upload files, or otherwise provide data from third-party institutions, brokers, banks, payment providers, data aggregators, and service platforms.

By connecting an account or uploading data, you authorise us and our service providers to access, receive, process, and display that information for the purpose of operating the Platform.

You acknowledge and agree that:

  • certain connections are facilitated by third-party providers, including open banking and aggregation services;
  • some access is consent-driven and read-only, and may expire or require reauthorisation;
  • imported or connected data may be incomplete, delayed, duplicated, incorrectly mapped, or unavailable;
  • we do not control third-party institutions or data providers and cannot guarantee ongoing access to them; and
  • we are not responsible for any actions, omissions, outages, restrictions, pricing, access limitations, or data inaccuracies caused by third parties.

6. Subscription Plans, Free Trial, Billing, and Renewal

Access to some or all features of the Platform may require a paid subscription. Subscription plan details, pricing, billing frequency, and features will be presented to you at the point of purchase or on the billing page.

6.1 14-Day Trial

Where offered, your subscription may begin with a 14-day free trial. Unless cancelled before the end of the trial period, your subscription will automatically convert into a paid subscription and the payment method you provided will be charged at the applicable rate.

6.2 Automatic Renewal

All subscriptions renew automatically for successive billing periods unless cancelled before the renewal date. By purchasing a subscription, you authorise us and our payment processor to charge the applicable subscription fee, together with any taxes and other disclosed charges, using your selected payment method.

6.3 Price Changes

We may modify subscription pricing, plan structure, or feature access from time to time. If we change the price of your subscription, we will provide notice in accordance with applicable law. Continued use of the Platform after the effective date of the new price constitutes acceptance of the updated charge.

7. No Refunds

All subscription fees and charges are non-refundable.

After the expiry of any applicable 14-day trial period, you will be charged in accordance with your selected plan. Once charged, you will not be entitled to a refund, credit, or prorated reimbursement for any reason, including:

  • partial use or non-use of the Platform;
  • failure to cancel before renewal;
  • dissatisfaction with features, analytics, or outputs;
  • changes in your personal circumstances, financial position, or investment strategy;
  • temporary outages, delays, bugs, or third-party data interruptions; or
  • termination of your account for breach of these Terms.

If you cancel your subscription, your cancellation will take effect at the end of the then-current billing period, and you will retain access until that time unless your account is suspended or terminated earlier under these Terms.

8. User Content and Uploaded Materials

You may provide data, prompts, uploads, statements, account information, notes, preferences, and other content to the Platform (“User Content”). You retain ownership of your User Content, subject to the rights you grant to us under these Terms.

You grant Avex a worldwide, non-exclusive, royalty-free licence to host, copy, process, transmit, display, analyse, transform, and use your User Content as reasonably necessary to provide, secure, improve, maintain, and support the Platform, including the generation of analytics and AI-assisted outputs.

You represent and warrant that:

  • you have all rights necessary to submit the User Content;
  • your User Content does not violate any law, regulation, or third-party rights; and
  • your User Content does not include malicious code, harmful files, or unlawful material.

9. Platform Outputs and Intellectual Property

The Platform, including its software, models, dashboards, interfaces, copy, branding, design, visualisations, methodologies, and all related intellectual property rights, is owned by or licensed to Avex and is protected by applicable intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable licence to access and use the Platform for your personal or internal business use only.

You may not:

  • copy, reproduce, modify, adapt, distribute, sell, resell, lease, license, or exploit the Platform;
  • reverse engineer, decompile, disassemble, or attempt to derive source code, models, prompts, or architecture;
  • use the Platform to build or train a competing product or service;
  • remove proprietary notices or branding; or
  • use automated means to scrape, harvest, extract, or index the Platform except as expressly permitted by us.

10. Acceptable Use

You agree not to use the Platform:

  • in violation of any applicable law or regulation;
  • to infringe the rights of any person or entity;
  • to upload false, deceptive, unlawful, or harmful content;
  • to probe, scan, or test the vulnerability of the Platform;
  • to interfere with the proper functioning, integrity, or security of the Platform; or
  • to misuse outputs as regulated advice, client recommendations, or professional opinions.

11. Availability and Service Changes

We may update, enhance, suspend, withdraw, or modify the Platform or any feature, integration, content category, or subscription plan at any time. We do not guarantee that the Platform, or any part of it, will always be available, uninterrupted, secure, error-free, or compatible with your systems or third-party services.

We may perform maintenance, impose usage limits, or discontinue integrations where reasonably necessary for technical, legal, security, or commercial reasons.

12. Disclaimers

THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AVEX DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, RELIABILITY, OR SUITABILITY.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT:

  • the Platform will meet your requirements or expectations;
  • outputs will be accurate, complete, current, or reliable;
  • the Platform will identify all relevant risks, exposures, tax consequences, or opportunities;
  • data from connected accounts or third parties will be correct or continuously available; or
  • use of the Platform will lead to any financial outcome, profit, tax benefit, or investment result.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AVEX AND ITS DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF SAVINGS, LOSS OF OPPORTUNITY, LOSS OF GOODWILL, LOSS OF DATA, BUSINESS INTERRUPTION, OR INVESTMENT LOSSES, WHETHER IN CONTRACT, TORT, NEGLIGENCE, STATUTE, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS SHALL NOT EXCEED THE GREATER OF:

  • the total fees actually paid by you to Avex in the twelve (12) months preceding the event giving rise to the claim; or
  • one hundred pounds sterling (£100).

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law.

14. Indemnity

You agree to indemnify, defend, and hold harmless Avex and its affiliates, officers, employees, contractors, and service providers from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or relating to:

  • your use or misuse of the Platform;
  • your User Content;
  • your breach of these Terms; or
  • your violation of any law, regulation, or third-party rights.

15. Suspension and Termination

We may suspend, restrict, or terminate your access to the Platform immediately, with or without notice, if we reasonably believe that:

  • you have breached these Terms;
  • your use of the Platform presents legal, regulatory, security, or reputational risk;
  • we are required to do so by law, regulation, court order, or third-party provider; or
  • continued provision of the Platform is no longer commercially or technically viable.

Upon termination, all rights granted to you under these Terms will cease immediately, except for those provisions that by their nature are intended to survive termination.

16. Privacy

Your use of the Platform is also governed by our Privacy Policy andGDPR & Data Rights Notice, which form part of these Terms.

17. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them, their subject matter, or their formation, shall be governed by and construed in accordance with the laws ofEngland and Wales.

Subject to any mandatory rights you may have under applicable consumer law, the courts of England and Wales shall have exclusive jurisdiction over any dispute or claim arising out of or in connection with these Terms or your use of the Platform.

18. Changes to These Terms

We may amend these Terms from time to time. If we make material changes, we will take reasonable steps to notify you, including by posting an updated version on the Platform and updating the “Last Updated” date above. Your continued use of the Platform after the effective date of the revised Terms constitutes your acceptance of them.

19. Contact

Questions regarding these Terms may be directed to:

Avex AI
Email: legal@avex.ai
Address: ARTIFICIAL INTELLIGENCE MARS SRL, Str. Dr. Petre Herescu 12, Bucharest, Romania

Regulatory Notice: Avex AI provides mathematical context, scenario analysis, portfolio monitoring, and educational content only. Nothing on this Platform constitutes financial, investment, tax, legal, or accounting advice. All decisions are made solely at your own discretion and risk.