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Terms of Service

Last updated: [DATE]

These Terms of Service ("Terms") govern your access to and use of the Arcyto website at arcyto.com, the Arcyto web application at app.arcyto.com, and any related services, features, and content (together, the "Service").

The Service is operated by Mo Sharifi, a sole trader (Einzelunternehmer) established in Berlin, Germany ("Arcyto", "we", "us", or "our"). Our full provider details are set out in our Impressum.

PLEASE READ THESE TERMS CAREFULLY. SECTION 5 (FINANCIAL DISCLAIMER — NOT INVESTMENT ADVICE) AND SECTION 11 (LIMITATION OF LIABILITY) ARE PARTICULARLY IMPORTANT AND AFFECT YOUR LEGAL RIGHTS.

1. Who we are and acceptance of these Terms

1.1. Arcyto provides a calm, editorial home screen that pairs a personalised daily financial brief with a stock watchlist and a macro/economic calendar. The Service displays market data and generates editorial briefs and answers using artificial intelligence ("AI").

1.2. By accessing or using the Service — including by browsing the landing page, creating or using an account, or using the Service anonymously — you agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference.

1.3. If you do not agree to these Terms, you must not access or use the Service.

1.4. If you use the Service on behalf of an organisation, you represent that you are authorised to accept these Terms on its behalf.

2. Eligibility and age

2.1. The Service is intended for adults. You must be at least 18 years old to use the Service. By using the Service you represent and warrant that you are at least 18 and have the legal capacity to enter into a binding agreement.

2.2. The Service is not directed to children, and we do not knowingly collect personal data from children. If you believe a child has provided us with personal data, please contact us at hello@arcyto.com.

2.3. You are responsible for ensuring that your use of the Service is lawful in your country of residence. The Service is currently offered in the United States and the European Union. We make no representation that the Service or its content is appropriate or available for use in other locations.

3. Accounts, anonymous use, and sign-in

3.1. Anonymous-first use. You may begin using the Service without creating a named account. When you first use the Service, a technical anonymous identity is created for you so that your onboarding choices (such as your watchlist and preferences) can be stored and your experience can continue. This anonymous identity is associated with personal data; see our Privacy Policy for details.

3.2. Creating a permanent account. You may upgrade to a permanent account by signing in. When you do, the data associated with your anonymous identity is preserved and linked to your permanent account.

3.3. Authentication providers. Account creation and sign-in are provided through Supabase Auth and, where offered, through third-party single sign-on providers such as Google and Apple (OAuth). The availability of any particular sign-in method may change, and some methods may not be enabled at all times. Your use of any third-party sign-in method is also subject to the terms and privacy policies of the relevant provider. We are not responsible for the availability or operation of third-party sign-in services.

3.4. Your responsibilities. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to notify us promptly at hello@arcyto.com if you suspect any unauthorised use of your account.

3.5. Accuracy. You agree to provide accurate information when creating or using an account and to keep it up to date.

4. Acceptable use and prohibited conduct

4.1. You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:

4.2. We may investigate and take appropriate action, including the measures in Section 13, if we reasonably believe you have breached this Section.

5. FINANCIAL DISCLAIMER — INFORMATION ONLY, NOT INVESTMENT ADVICE

THIS SECTION IS IMPORTANT. PLEASE READ IT IN FULL.

5.1. Informational purposes only. All content provided through the Service — including market and index data, watchlist prices, the economic/macro calendar and its consensus estimates, the daily editorial headline, the AI-generated written and audio briefs, the "What matters to you" stories, and the "Ask Arcyto" chat answers — is provided for general informational and educational purposes only. It does not constitute, and must not be relied upon as, investment advice, financial advice, trading advice, tax advice, legal advice, or any other form of professional advice.

5.2. We are not a regulated financial institution. Arcyto is not a broker, dealer, bank, investment firm, investment adviser, financial adviser, fund manager, custodian, or any other regulated financial institution, and is not licensed or registered as such with any financial regulator or self-regulatory organisation. This includes, without limitation, the German Federal Financial Supervisory Authority (BaFin) and any competent authority of an EU member state under the Markets in Financial Instruments Directive (MiFID II) framework, the U.S. Securities and Exchange Commission (SEC), and the U.S. Financial Industry Regulatory Authority (FINRA). The Service does not facilitate the buying, selling, or holding of any securities, crypto-assets, or other financial instruments.

5.3. No advice, recommendation, or solicitation. Nothing in the Service constitutes a personal recommendation, a solicitation, an offer, or an inducement to buy, sell, hold, or transact in any security, crypto-asset, financial instrument, or investment strategy. No content is tailored to your individual financial situation, objectives, risk tolerance, or needs, even where it references symbols on your watchlist.

5.4. No fiduciary or advisory relationship. Your use of the Service does not create any fiduciary, advisory, agency, brokerage, or other special relationship of trust or confidence between you and Arcyto.

5.5. Market data may be delayed, inaccurate, or incomplete. Market data, prices, and economic-calendar information are obtained from third-party data sources (see Section 6). Such data may be delayed, inaccurate, incomplete, out of date, or unavailable, and should not be relied upon for trading or transactional purposes. We do not guarantee the timeliness, accuracy, completeness, or availability of any data.

5.6. AI-generated content may be wrong. The editorial headline, the written and audio briefs, the "What matters to you" stories, and the "Ask Arcyto" chat are generated by AI (large language models). AI-generated content can be inaccurate, incomplete, outdated, biased, misleading, or entirely fabricated ("hallucinated"), and may misrepresent facts, figures, or sources. You must independently verify any information before relying on it. AI output does not reflect the views of Arcyto.

5.7. You are solely responsible for your decisions. Any investment or financial decision you make is made at your own risk and on your own judgement. The value of investments can go down as well as up, and you may lose some or all of your capital. Past performance is not a reliable indicator of future results.

5.8. Consult a licensed professional. Before making any investment or financial decision, you should obtain independent advice from a licensed or appropriately qualified financial, investment, tax, or legal professional who can take your individual circumstances into account.

5.9. Nothing in this Section 5 excludes or limits any liability that cannot be excluded or limited under applicable mandatory law; see Section 11.

6. Third-party data sources and content

6.1. The Service incorporates data and content from third-party providers, including market-data providers and other data sources. Such third-party data is provided "as is" and "as available", and we do not control, endorse, or guarantee it.

6.2. Third-party data is subject to the terms, restrictions, and disclaimers of the respective providers. We are not liable for any errors, omissions, delays, interruptions, or losses arising from third-party data or content, except to the extent provided in Section 11.

6.3. Links or references to third-party websites, sources, or services are provided for convenience only and do not imply endorsement. We are not responsible for the content, accuracy, or practices of third-party sites.

7. Intellectual property

7.1. Our rights. The Service, including its software, design, layout, text, graphics, editorial content, AI-generated briefs and audio, branding, logos, and the "Arcyto" name, is owned by or licensed to Arcyto and is protected by intellectual-property and other laws. Except as expressly permitted in these Terms, no rights are granted to you in respect of the Service.

7.2. Licence to you. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service and its content for your own personal, non-commercial use.

7.3. Restrictions. You must not copy, reproduce, republish, distribute, sell, licence, publicly display, or create derivative works from the Service or its content (including AI-generated briefs), except as expressly permitted by these Terms or by mandatory law.

7.4. Feedback. If you send us suggestions or feedback about the Service, you grant us a non-exclusive, perpetual, irrevocable, royalty-free, worldwide licence to use it for any purpose, without obligation to you.

8. Your content and inputs

8.1. You keep your inputs. As between you and Arcyto, you retain all rights you have in the content and information you submit to the Service, including the questions and text you type into the "Ask Arcyto" chat, your watchlist selections, and your preferences ("Your Content").

8.2. Licence to operate the Service. You grant Arcyto a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, process, and transmit Your Content solely to the extent necessary to operate, provide, secure, and improve the Service for you — including by sending the relevant inputs to our AI and infrastructure sub-processors to generate your briefs and chat answers, as described in our Privacy Policy.

8.3. Your responsibility. You represent that you have the necessary rights to submit Your Content and that it does not breach Section 4 or infringe the rights of any third party.

9. AI features — nature and limitations

9.1. The Service uses third-party large-language-model and text-to-speech technology to generate the editorial brief, the audio brief, the story cards, and the chat answers.

9.2. AI features are automated and probabilistic. They do not constitute human review or professional judgement, and the limitations set out in Section 5.6 apply to all AI output. We may change, limit, or discontinue AI features at any time.

10. Service provided "as is"; availability

10.1. To the fullest extent permitted by applicable law, the Service is provided "as is" and "as available", without warranties, conditions, or representations of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, or uninterrupted or error-free operation.

10.2. We do not warrant that the Service will be available without interruption, that defects will be corrected, or that the Service or its content is free of errors or harmful components.

10.3. We may modify, suspend, or discontinue the Service or any feature, in whole or in part, at any time, with or without notice, subject to mandatory consumer-protection rights.

10.4. Consumer rights preserved. Nothing in this Section 10 affects any statutory warranties or other mandatory rights you have as a consumer under the laws of your country of residence, which apply notwithstanding any provision of these Terms.

11. Limitation of liability

11.1. Unlimited liability where required by law. Nothing in these Terms excludes or limits our liability where it cannot lawfully be excluded or limited. In particular, we remain fully liable:

11.2. Cardinal obligations (slight negligence). In the case of slight negligence (leichte Fahrlässigkeit), and except in the cases of unlimited liability under Section 11.1, we are liable only for the breach of an essential contractual obligation (Kardinalpflicht) — an obligation whose fulfilment is essential to the proper performance of the contract and on whose fulfilment you may regularly rely. In that case our liability is limited to the foreseeable damage typical for this type of contract (vertragstypische, vorhersehbare Schäden).

11.3. No liability in other cases of slight negligence. Except in the cases set out in Sections 11.1 and 11.2, our liability for slight negligence is excluded. For the avoidance of doubt, this exclusion does not apply to, and never reduces our liability under, Section 11.1 (including intent, gross negligence, injury to life, body, or health, guarantees, and the Product Liability Act) or Section 11.2 (breach of a cardinal obligation, up to the foreseeable damage typical for this type of contract).

11.4. The above limitations apply regardless of the legal basis of the claim (contract, tort, statutory, or otherwise) and also apply in favour of our legal representatives, employees, and agents (Erfüllungsgehilfen).

11.5. Where you act as a consumer, the mandatory consumer-protection laws of your country of residence apply where they provide you greater protection than this Section.

12. Your responsibility for damage you cause

12.1. Consumers. If you are a consumer, you are liable to us only in accordance with the statutory rules — that is, only for damage you culpably (intentionally or negligently) cause by breaching these Terms or applicable law (§§ 276, 280 of the German Civil Code, BGB). We do not impose any indemnification or hold-harmless obligation on you beyond this statutory liability.

12.2. Business users. If you use the Service in the course of your trade, business, craft, or profession (i.e. you are not a consumer), then, to the extent permitted by applicable law, you agree to indemnify and hold harmless Arcyto from and against any third-party claims, liabilities, damages, losses, and reasonable expenses (including reasonable legal fees) arising out of or in connection with: (a) your breach of these Terms; (b) your misuse of the Service; or (c) your infringement of any third-party rights or applicable law. This Section 12.2 does not apply to losses caused by our own breach or fault.

13. Suspension and termination

13.1. By you. You may stop using the Service at any time. You may request deletion of your account and associated personal data as described in our Privacy Policy or by contacting hello@arcyto.com.

13.2. By us. We may suspend or terminate your access to the Service, in whole or in part, with immediate effect where you have materially breached these Terms (in particular Section 4), where required by law, or where reasonably necessary to protect the Service, other users, or third parties. Where reasonable and lawful, we will give you notice and, for non-serious breaches, an opportunity to remedy.

13.3. Effect of termination. On termination, your right to use the Service ends. Sections that by their nature should survive (including Sections 5, 6, 7, 8, 11, 12, 14, and 16) survive termination.

14. Changes to the Service and to these Terms

14.1. We may update these Terms from time to time, for example to reflect changes in the Service, in our providers, or in the law.

14.2. We will post the updated Terms with a revised "Last updated" date. Where changes are material and you have an account, we will give you reasonable advance notice by a suitable means (for example, by email or in-app notice) before they take effect.

14.3. If you do not agree to the updated Terms, you must stop using the Service before the changes take effect. Your continued use after the effective date constitutes acceptance, subject to any mandatory consumer-protection rules that require your explicit consent.

15. Assignment

15.1. You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent.

15.2. Transfer by us. We may assign or transfer these Terms (in whole or in part), together with our rights and obligations, to a successor entity — including a company we may form in the future to operate the Service (for example, a German UG or GmbH) — or in connection with a merger, acquisition, reorganisation, or sale of all or substantially all of the assets relating to the Service.

15.3. Notice and your right to terminate. We will give you advance notice of any such transfer that would transfer our obligations under these Terms to another party. Following that notice, you may terminate your use of the Service and your account, without cost, within 30 days of being notified, by ceasing use and (if you have an account) requesting deletion as described in Section 13.1. Your rights under these Terms and under mandatory law will not be diminished by any such transfer. Nothing in this Section affects any stronger statutory consent or objection right you may have, including under § 415 of the German Civil Code (BGB).

16. Governing law and jurisdiction

16.1. Governing law. These Terms and any dispute or claim arising out of or in connection with them or the Service are governed by the laws of the Federal Republic of Germany, excluding its conflict-of-laws rules and the UN Convention on Contracts for the International Sale of Goods (CISG).

16.2. Consumer carve-out. If you are a consumer habitually resident in the European Union, this choice of law does not deprive you of the protection afforded to you by mandatory provisions of the law of your country of residence that cannot be derogated from by agreement. You retain all such mandatory local-law protections.

16.3. Jurisdiction. The courts of Berlin, Germany have jurisdiction over disputes arising out of or in connection with these Terms, to the extent permitted by law. This does not override any mandatory rule allowing a consumer to bring proceedings in, or requiring proceedings to be brought in, the courts of the consumer's country of residence. For business users and merchants (Kaufleute), Berlin is the exclusive place of jurisdiction where permitted.

16.4. Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions continue in full force, and the invalid provision will be replaced by a valid provision that most closely reflects its intended economic purpose.

17. Consumer dispute resolution

17.1. EU Online Dispute Resolution (ODR). The European Commission's Online Dispute Resolution platform was permanently shut down on 20 July 2025 and is no longer available. We therefore no longer provide a link to it.

17.2. Consumer arbitration board (Verbraucherschlichtungsstelle). Under the German Consumer Dispute Resolution Act (Verbraucherstreitbeilegungsgesetz, VSBG), we inform you that Arcyto is not obliged to participate, and is not willing to participate, in dispute-resolution proceedings before a consumer arbitration board.

18. How to contact us

For questions about these Terms, contact us at:

These Terms are provided in English. Where a translation is offered and there is a conflict, the English version prevails to the extent permitted by mandatory law.