Welcome to Ovolos. These Terms of Service ("Terms") govern your access to and use of the Ovolos application and website at ovolos.ai (the "Service"), operated from Greece ("Ovolos", "we", "us"). By creating an account or using the Service you agree to these Terms. If you do not agree, do not use the Service.
1. What Ovolos is
Ovolos is a personal wealth tracker: it lets you record and monitor your accounts, assets, liabilities and net worth over time, optionally connect external data sources, and view reports and estimates derived from the data you provide. The Service is currently in a pre-release stage; features may change, break, or be withdrawn without notice.
2. Not financial advice
Ovolos is an informational tool. Nothing in the Service — including net-worth figures, projections, AI-generated valuations, risk scores, or any other output — constitutes financial, investment, tax, or legal advice, or a recommendation to buy, sell, or hold any asset. Figures may be estimates, may rely on third-party data that is delayed or wrong, and may not reflect the actual value of your assets. Always verify independently and consult a qualified professional before making financial decisions.
3. Eligibility and your account
- You must be at least 18 years old to use the Service.
- You are responsible for your login credentials and for all activity under your account.
- You must provide accurate information and keep it up to date.
- Notify us promptly at [email protected] if you suspect unauthorised access.
4. Your data
You retain all rights to the financial data and content you add to the Service. You grant us only the limited licence needed to store, process, and display that data back to you and to operate the features you use (for example, sending an asset description to an AI model you asked to value it). How we handle personal data is described in the Privacy Policy.
5. Connected accounts and third-party services
The Service can connect to third-party data providers on your instruction — for example bank-data aggregators, market-data feeds, blockchain explorers, mapping and image-search services, and AI providers. For these connections:
- Access to connected financial accounts is read-only; Ovolos cannot move your money.
- Your use of a third-party service is also governed by that provider's own terms.
- We are not responsible for the accuracy or availability of third-party data.
- You may disconnect a provider at any time from the Service.
6. Acceptable use
You agree not to:
- use the Service unlawfully, or to track assets you are not authorised to access;
- probe, disrupt, reverse-engineer, or overload the Service;
- attempt to access other users' data;
- resell or provide the Service to third parties without our written consent.
7. Fees
The Service is currently offered without charge while in pre-release. We may introduce paid plans in the future; if we do, pricing will be communicated clearly in advance and nothing will be charged without your explicit agreement.
8. Intellectual property
The Service, including its software, design, and branding, is owned by Ovolos and protected by applicable law. These Terms grant you a personal, non-exclusive, non-transferable, revocable licence to use the Service for managing your own finances.
9. Availability, changes, termination
- We may modify, suspend, or discontinue the Service (or any feature) at any time — it is pre-release software.
- You may stop using the Service and request deletion of your account and data at any time.
- We may suspend or terminate accounts that violate these Terms.
- On termination, your data is deleted in line with the Privacy Policy.
10. Disclaimers and limitation of liability
The Service is provided "as is" and "as available", without warranties of any kind, express or implied — including fitness for a particular purpose and accuracy of data. To the maximum extent permitted by law, Ovolos shall not be liable for any indirect, incidental, special, or consequential damages, or for any loss of profits, data, or opportunity, arising from your use of (or inability to use) the Service, including decisions made in reliance on its figures. Nothing in these Terms limits liability that cannot be limited under applicable law.
11. Changes to these Terms
We may update these Terms from time to time. Material changes will be announced in the Service or by email before they take effect; the "Last updated" date above always reflects the current version. Continuing to use the Service after a change takes effect means you accept the updated Terms.
12. Governing law
These Terms are governed by the laws of Greece, and any disputes fall under the exclusive jurisdiction of the courts of Athens, Greece — without prejudice to mandatory consumer protections available in your country of residence within the EU.
13. Contact
Questions about these Terms: [email protected].