Last updated: January 2025
1. Acceptance of Terms
By accessing and using Moat37 ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
2. Description of Service
Moat37 is an AI-powered investment research platform designed to assist in analyzing annual reports, concall transcripts, and investor presentations of Indian public companies. The Service is intended to support investment research and analysis for informational purposes only.
3. AI-Generated Content and Limitations
IMPORTANT: Our AI system ("Mira") can make mistakes, provide incomplete information, or generate inaccurate analysis. You acknowledge that:
- AI-generated responses should not be considered as professional financial advice
- All information provided is for research purposes only and should be verified independently
- The Service is not a substitute for professional financial consultation
- You must use your own judgment and conduct additional research before making any investment decisions
- The AI may not have access to the most current market information or company updates
4. Not Financial Advice
DISCLAIMER: Moat37 does not provide investment advice, recommendations, or guidance. All content provided through the Service is for informational and educational purposes only. You should consult with qualified financial advisors before making any investment decisions.
5. Payment Terms and No Refunds
NO REFUNDS: All payments made for Service usage are final and non-refundable. This includes:
- Wallet top-ups and credit purchases
- Usage charges for AI interactions
- Subscription fees (if applicable)
- Any other fees or charges
By making any payment, you acknowledge and agree to this no-refund policy.
6. Prohibited Uses
You agree not to use the Service for:
- Making critical financial decisions without independent verification
- Any illegal, harmful, or unethical purposes
- Attempting to reverse engineer or extract proprietary information
- Sharing account credentials with others
- Automated or bulk usage that may overload our systems
7. Data and Privacy
Your use of the Service is also governed by our Privacy Policy. We recommend reviewing it to understand how we collect, use, and protect your information.
8. Limitation of Liability
USE AT YOUR OWN RISK: The Service is provided "as is" without warranties of any kind. Moat37 shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Service, including but not limited to financial losses, missed opportunities, or investment decisions based on AI-generated content.
9. Service Availability
We strive to maintain Service availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or technical issues. We are not liable for any inconvenience caused by such interruptions.
10. Modifications to Terms
We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting. Your continued use of the Service after such changes constitutes acceptance of the new terms.
11. Termination
We may terminate or suspend your access to the Service at our discretion, without notice, for conduct that we believe violates these terms or is harmful to other users or the Service.
12. Governing Law
These terms shall be governed by and construed in accordance with the laws of India. Any disputes arising from these terms or your use of the Service shall be subject to the jurisdiction of Indian courts.
13. Contact Information
If you have questions about these Terms of Service, please contact us at:support@moat37.com
By using Moat37, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.