Terms and Conditions

These Terms and Conditions (“Terms”) govern your use of the Plootus website, mobile application, and services (collectively, the “Services”), owned and operated by Analyze Future LLC. By accessing or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Definitions

• “Plootus,” “we,” “us,” or “our” refers to Plootus (Analyze Future LLC).
• “You” or “Client” refers to the individual using our Services.
• “Third-Party Aggregators” refer to financial data providers integrated with our platform.

Acceptance

By using the Services, you agree to these Terms. If you do not agree, you must discontinue use immediately. You represent that you are (i) at least 18 years old or of legal age to contract in your state of residence, and (ii) legally authorized to accept these Terms.

Services Scope and Limitations

Plootus, through its mobile application and website (“App” & “Website”), provides financial insights to help Clients make informed decisions about retirement planning, investment allocation, and expense management. The Services analyze factors such as account balances, contributions, future expenses, investment strategy, and retirement timeline to offer guidance on achieving financial goals.

Clients can link financial accounts (e.g., bank accounts, credit cards, mortgages, brokerage accounts, retirement plans) through Third-Party Aggregators for a consolidated view of income, expenses, assets, liabilities, and net worth. However, Plootus does not verify the accuracy of third-party data and is not responsible for any errors, omissions, or outdated information retrieved from external sources. Clients are responsible for reviewing and updating their financial information.

Third-Party Data & Liability Disclaimer

Plootus is not liable for:

• The accuracy, completeness, or timeliness of financial data retrieved from Third-Party Aggregators or financial institutions.
• Errors, misclassifications, or technical issues affecting data retrieval and display.
• Any financial decisions made based on inaccurate or incomplete information.

Clients should verify all retrieved data with their financial institutions before making financial decisions. Plootus does not endorse or validate any third-party services, websites, or financial products accessed through the App or Website and assumes no responsibility for their content, policies, or security practices. The information and content provided by or through the App and/or Website is for informational purposes only, and is not intended to substitute for professional investment, legal or accounting advice. You must engage professional financial and legal advisors to assist you in using and implementing information obtained from the App and/or the website.

Limitations

Plootus does not guarantee, warrant or represent that your use of Plootus Services will be free of errors or interruption. You hereby agree Plootus may periodically remove its Services for an indefinite period of time or remove the services without notice to you. Plootus cannot anticipate any technical or other issues with our App & Website, Third-Party Aggregators, your financial institutions or the cloud platform Plootus uses. These technical or other issues may result in not saving of personalized assumptions or other data, user settings, etc. These issues may also impact the accuracy, timelines, transactions/assets/liabilities categorization and other information provided through the App & Website. Plootus tries to maintain timely information concerning your latest transactions and balances. However, your financial institution may have more timely and accurate information compared to the App & Website.

YOU EXPRESSLY AGREE THAT YOUR USE OF, OR INABILITY TO USE OF PLOOTUS SERVICES IS DONE AT YOUR SOLE RISK. THE SERVICE PROVIDED BY PLOOTUS IS ON “AS IS” AND “AS AVAILABLE BASIS” FOR YOUR USE WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. BECAUSE SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION OF IMPLIED WARRANTIES MAY NOT APPLY TO YOU.

Use of Plootus Services is discretionary. Plootus does not and will not accept custody of your assets. At all times your assets shall be held by an independent custodian (“Custodian”) of Client’s own choosing. The Plootus Services are not a substitute for your own informed judgments. You acknowledge that you are responsible for making all of your own investment decisions. The Services are intended to help you make informed choices. You are required to make any and all necessary changes as you deem fit.

App & Website Registration

You must first register through the App and Website to gain access to Plootus services. We may provide access through mobile, tablets, laptop or desktop or any electronic device capable of connecting to the internet and with computing abilities. You are required to create your profile and link your banks, credit cards, investments, IRA/ESRA and other accounts to facilitate complete profile creation.

Fees for the Service

Plootus reserves the right to change its fee structure at its sole discretion at any time. If the fee structure is updated, users will be notified at least 30 days in advance and will have the option to discontinue their use of Plootus before fees take effect.

Limited Power of Attorney

As a condition of using Plootus’ Services, you hereby authorize us to access your linked banks, credit cards, brokerage, investments and other accounts and retrieve information from the Third-Party Aggregators or other third parties. Plootus may use and store the data, information and any content in accordance with this Agreement and our Privacy Statement. While accessing the third-party website, Plootus will act as an agent of the Client and not the third party. You represent that you are entitled to provide information or access to information to Plootus for the purpose of using Plootus’ Services without any obligation on Plootus to pay any fees or be subject to any restrictions or limitations. Plootus employs industry-standard security measures, including encryption and secure authentication, to protect user data. In the event of a data breach, affected users will be notified in accordance with applicable law.

Investment Risks Acknowledgement

You understand that you may lose money and Plootus does not guarantee the future performance of your investments. You understand that investment allocation recommendations made by Plootus may not be similar to the investment allocation recommended by Client or another investment advisor under the circumstances. The investments are subject to various market, currency, economic, political, geopolitical, acts of terrorism, and business risks. You also understand that past performance is no guarantee of future results. The investment value of assets will fluctuate according to market conditions. You may contact your custodian anytime to change your asset allocation in your retirement account. Plootus does not provide fiduciary investment advice under the Employee Retirement Income Security Act of 1974 (ERISA) or any other applicable law. Clients are responsible for their own financial decisions, and Plootus’ recommendations should not be considered personalized investment advice or financial planning services. We strongly encourage Clients to consult with a licensed financial advisor, tax professional, or legal counsel before making any major financial decisions.

Legal Authority

By using the App and/or Website you represent that you are authorized to enter into an Agreement with Plootus. Client’s death, disability or incompetence shall not terminate this Agreement. However, your authorized representative may terminate this Agreement by giving proper notice of the same to Plootus. In case of joint account, any joint account holder agreeing to the Terms made herein are agreed on behalf of all joint account holders and further agree that each joint account holder (a) is a Client; (b) has the requisite authority to act on behalf of the joint account and Plootus will accept such instructions relating to the Account from any one joint account holder; (c) is jointly and severally liable per the terms of this Agreement; and (d) that in the case of death of any of the joint account holders, all right and interest in the Account shall vest in the surviving account holder(s) under the same terms and conditions of this Agreement. The surviving account holder(s) shall promptly provide Plootus with written notice thereof and provide any documentation reasonably requested by Plootus in its ongoing management of the Account.

Termination

You may terminate your account with Plootus at any time by accessing your profile on the App and/or Website and following the instructions to cancel your account with Plootus. Plootus may terminate this Agreement at its sole discretion anytime without any notice to you in the following cases: (a) You breach or intend to breach the Terms and Conditions; (b) You fail to pay the requisite fees for the Services; (c) Plootus is required to do under any law, rule or regulation; (d) You misuse the Services as determined by Plootus at its sole discretion; (e) Plootus relies on data or services from third parties or another business relationship between Plootus and third party, and such relationship changes or terminates in such a way that it affects the Plootus ability to continue to provide its Services; (f) continuing to provide the Services creates significant financial, operational or technical burdens for Plootus as determined by Plootus in its sole discretion; (g) continuing to provide the Services create Security risk for Plootus or its clients as determined by Plootus in its sole discretion. Termination of this Agreement will not affect (a) the validity of any action previously taken by Plootus under this Agreement; (b) liabilities or obligations from transactions initiated before termination of this Agreement; or (c) your obligation to pay fees to Plootus that have already been earned under this Agreement. Upon the termination of this Agreement, we will not have any continuing obligation to take any action.

Communication between Plootus and Client

Email Communication

You hereby agree and consent to receive all communications electronically in connection with your Account. Communications will be sent to you at your email address on record for your Plootus account. You shall keep your email address up to date so that Plootus can communicate with you. You acknowledge that all communications sent to you at your email address on record with Plootus shall be deemed to have been delivered to you personally regardless of whether you actually received them. All of your communications to Plootus shall be made via the App or Website. You can update your email address at any time by accessing your Account.

Consent to SMS/Text Communication

By providing your phone number and using our services, you consent to receive SMS/text messages from Plootus for purposes including, but not limited to:

• Account Verification & Security
• Service Notifications
• Reminders & Alerts
• Marketing & Promotional Messages

Opt-Out & User Control

You can opt out of receiving promotional SMS/text messages at any time by replying STOP to any message you receive from us. Please note that opting out of promotional messages does not affect transactional or security-related communications (e.g., OTPs, account updates).

Message & Data Rates

Standard message and data rates may apply, depending on your mobile carrier and plan. Plootus is not responsible for any charges incurred as a result of receiving SMS/text messages.

Delivery & Liability

Delivery of SMS/text messages is subject to your mobile carrier’s availability and network conditions. Plootus is not liable for any delays or failures in message delivery.

By continuing to use our services, you acknowledge that you have read and understood this policy and consent to receive SMS/text messages as described above.

Representation

Plootus is an SEC-registered investment advisor (CRD # [XXX]). Our Form ADV Part 2 is available here or upon request. You understand and acknowledge that Plootus is a Delaware corporation, with a place of business located in New Haven, Connecticut and that Plootus is licensed/registered with all of the appropriate regulatory jurisdictions that Plootus determines it has a duty to be licensed/registered. You understand and acknowledge that the Plootus is not engaged in the practice of law or accounting and that Plootus shall not provide any legal or accounting advice, and that Plootus shall not prepare any legal, tax, or accounting documents.

Non-Exclusivity of the Agreement

You understand that the Plootus assists other clients. You agree that the Plootus may provide assistance to other clients and that Plootus’ recommendations for said clients may differ from the recommendations given to you by Plootus, or the timing or nature of action taken, with respect to your account.

Confidential Relationship

All information shared and recommendations provided by Plootus shall be treated as confidential and shall not be disclosed to any other person or entity, except as required by law or necessary to assist the Client. Plootus will hold in strict confidence all non-public personal and financial information that Client provides. Client agrees that Plootus may use and maintain your data according to the Plootus’ Privacy Statement. Client gives Plootus permission to consolidate, organize or analyze Client’s information provided by Client or retrieved from Third-Party Aggregators to improve the Service or for research or for offering promotions. Consult our Privacy Policy for further details. We may monitor or keep records of your communications with us in order to monitor the quality of our Service.

Amendments to this Agreement

Plootus may amend this Agreement at any time. The amended version shall be effective upon posting on the App or Website. Material amendments will be communicated via email 30 days prior to effective date. Continued use constitutes acceptance.

Assignment

Client may not assign this Agreement without our prior consent in writing.

Severability

If any provision contained in this Agreement is or becomes invalid, illegal, or unenforceable in whole or in part, such invalidity, legality, or unenforceability shall not affect the remaining provisions and portions of this Agreement.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the state of Delaware.

Indemnification and Limitation of Liability

The Client holds Plootus, its employees, directors, officers, Third-Party Aggregators, consultants, agents, subadvisors, suppliers, any affiliate or third party (collectively “Service Providers”) harmless from any and all loss including legal fees arising from your use of Plootus Services. In no event shall Service Providers be held liable for any indirect, special, incidental, consequential, or punitive damages (including, without limitations, those resulting from theft or loss of profits, data, use, goodwill, business interruption or other intangible loss) arising in connection with this Agreement, Client’s use of the App or Website, the Service, or the internet (however arising, including negligence), whether based on warranty, contract, tort, or any other legal reason and whether or not Service Provider has been advised of the possibility of such loss or damages. The parties hereby waive all rights to obtain punitive damages in connection with any dispute arising under this Terms and Agreement.

NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, PLOOTUS’ LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE TOTAL FEES PAID BY YOU TO PLOOTUS IN THE TWELVE MONTHS PRIOR TO THE ASSERTION OF A CLAIM AGAINST PLOOTUS, ITS AGENTS OR REPRESENTATIVES, OR $100.00 (ONE HUNDRED UNITED STATES DOLLARS) WHICHEVER IS GREATER.

Plootus is not undertaking any fiduciary status under the Employee Retirement Income Security Act of 1974 (ERISA), as amended, or other applicable law.

Arbitration Agreement

Any dispute or claim arising from or relating to this Agreement, including disputes regarding its enforceability, shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration will take place in Orange, Connecticut, and shall be governed by the laws of the State of Delaware. Each party agrees that any dispute must be resolved individually and not as part of a class action or collective proceeding, except where prohibited by applicable law. The arbitration will be based on the submission of documents and there shall be no in-person or oral hearing. The arbitrators will have no authority to award punitive or other damages not measured by the prevailing party’s actual damages, except as may be required by statute. The arbitrator(s) shall not award consequential damages in any arbitration initiated under this section. Each party shall bear its own costs and expenses and an equal share of the arbitrators’ and administrative fees of arbitration. Except as may be required by law, neither a party nor an arbitrator may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of both parties.

PLOOTUS AND CLIENT(S) EACH AGREE THAT ANY AND ALL DISPUTES MUST BE BROUGHT IN THE PARTIES’ INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. BY ENTERING INTO THIS AGREEMENT AND AGREEING TO ARBITRATION, YOU AGREE THAT CLIENT AND PLOOTUS ARE EACH WAIVING THE RIGHT TO FILE A LAWSUIT AND THE RIGHT TO A TRIAL BY A JURY. IN ADDITION, CLIENT AGREES TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS. CLIENT AGREES THAT YOU HAVE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS.

To begin an arbitration proceeding, send a letter requesting arbitration and describing your claim to Plootus, 470 James St, New Haven CT 06513. Arbitration will be conducted by the American Arbitration Association (AAA) before a single AAA arbitrator under the AAA’s rules, which are available at www.adr.org or by calling 1-800-778-7879. The decision of the arbitrator shall be final and not appealable, and judgment on the arbitration award may be entered in any court having jurisdiction thereof. If you have any questions or concerns about arbitration, please contact support@plootus.com.

Acknowledgement of Disclosure Statement

You hereby acknowledge receipt of Plootus’ Privacy Notice at Account opening and can access anytime through the App or Website. You acknowledge that Plootus has express permission for electronic delivery of all documents relating to your account. This includes Plootus’ Terms, any information and Privacy Policy. You hereby agree to notify Plootus in the event of a change in your email address.

YOU ACKNOWLEDGE THAT YOU HAVE CAREFULLY READ AND UNDERSTAND THE TERMS AND CONDITIONS AND THAT UPON ENTERING YOUR NAME AND CLICKING THE “I AGREE” BUTTON ACCEPTS THESE TERMS AND CONDITIONS. YOU ACKNOWLEDGE THAT YOU HAVE RESOLVED ANY QUESTIONS ABOUT THE PROVISIONS IN THIS AGREEMENT PRIOR TO ENTERING INTO THIS AGREEMENT. YOU UNDERSTAND THAT TYPING YOUR NAME IN THE ELECTRONIC SIGNATURE FIELD BELOW AND BY CLICKING THE “I AGREE” BUTTON IS THE LEGAL EQUIVALENT OF MANUALLY SIGNING THIS AGREEMENT AND THAT YOU WILL BE LEGALLY BOUND BY ITS TERMS AND CONDITIONS. YOU AGREE TO PERIODICALLY CHECK THE APP OR WEBSITE FOR UPDATES TO THE TERMS AND CONDITIONS. IF YOU USE THE PLOOTUS MOBILE APPLICATION, YOU ACKNOWLEDGE THAT YOU ARE ABLE TO ACCESS THE FULL FUNCTIONALITY OF OUR MOBILE APP, INCLUDING ANY DISCLOSURES THAT PLOOTUS MAY PROVIDE.