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Terms and Conditions ("Terms")

Please read the following Terms and Conditions (the "Terms and Conditions") carefully before using the Plootus website or the Plootus mobile application (collectively referred to as the "Services"), which are owned and operated by Analyze Future LLC and sometimes referred as "us" or, "we". "You/you", "your" or "client/Client" refers to all visitors, users and others who access or use the Services. Your access to and use of the Services is conditioned on your acceptance of and compliance with the Terms and Conditions. The Terms and Conditions apply to all visitors, users and others who access or use the Services. By using the Services, you hereby represent and warrant that you accept, agree and bound by the Terms and Conditions. You may not use any of the Services and you may not accept the Terms and Conditions unless (i) you are legally authorized to accept and be bound by the Terms and Conditions and you are 18 years of age or in any event are of legal age to enter into a binding contract with Plootus.

By accessing or using the Services, you agree to be bound by the Terms and Conditions. If you disagree or decline to be bound by any Terms and Conditions, you may not access the Services.

Services Scope and Limitations

Plootus through Plootus application or/and website ("App" & "Website") provides the online services to assist its clients in making decisions about their finances. The App & Website provides information to you about investment allocation and ongoing portfolio rebalancing recommendation based on your current asset balance, contribution amount, future estimated expenses, investment strategy, planned retirement data and other factors. Plootus analyzes these and /or other factors to assist you in projecting how much you will need to retire. The Plootus App and Website help you determine how to make changes to your retirement contribution amount, investment strategy, retirement date or future expenses to achieve or get closer to your retirement goals. The Plootus app and website assist in estimating future expenses in the retirement period based on the information retrieved from your bank accounts, credit cards, mortgage, utilities, education plans, brokerage, retirement and similar accounts capturing income, expenses, assets, liabilities, net worth of the Client (collectively known as "Accounts"), and information provided by Client through the App & Website. Plootus also provides its Client a consolidated view of Client's income & expenses, assets & liabilities, net worth for the financial institutions linked by the Client to the extent provided by unaffiliated Third-Party Aggregator (s) (facilitate information retrieval from financial institutions such as banks, credit cards, investment accounts etc.). You will be using Plootus' Services to provide insights to give you greater insights and assist you in making your life decisions which affects your finances. The utility of the Plootus Services is limited by the information you provide or that the Services retrieve from Third Party Aggregator/s or any other third party. Plootus shall not be responsible for any incomplete or inaccurate information provided by Client or retrieved from Third Party Aggregator or any other third party and you acknowledge that no liability shall accrue to Plootus in case any losses are suffered by you due to Plootus' Services that were provided based on such incomplete or inaccurate information. You agree to promptly update information pertaining you and your finances on the Plootus App and Website. This includes changes in your financial situation, strategy investment restrictions, new accounts and any other relevant factors.

Plootus will not review the contents or terms of use of any third party aggregators or of your financial institutions including, but not limited to, the accuracy, validity, legality, copyright compliance, or decency of the content contained on said sites. You acknowledge that Plootus does not pre-screen content, but that Plootus will have the right (but not the obligation) in its sole discretion to refuse, edit, move or remove any content that may be available on Plootus App & Website.

Plootus shall not be responsible for, and does not recommend, endorse or validate in any way, the information, products and services on or available through Third Party Aggregator or your financial Institutions or any issues you may experience which pertains to your access to or use of your accounts at various financial institutions via Plootus App & Website or otherwise. The Plootus Services may contain links to third-party web sites or services that are not owned, operated or controlled by Plootus and/ or Analyze Future LLC. Plootus has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party web sites or services. You further acknowledge and agree that Plootus shall not be responsible or liable, directly or indirectly, for any damage or loss caused by or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

The information and content provided by or through Plootus 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 Plootus App and or the website

Limitations:

Plootus, does not guarantee, warrant or represent that your use of Plootus Services will be free or errors or interruption. You hereby agree Plootus may periodically remove its Services for 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 Plootus App and 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.

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 PLOOTUS APP OR WEBSITE FOR UPDATES TO THE TERMS AND CONDITIONS.IF YOU USE PLOOTUS MOBILE APPLICATION, YOU ACKNOWLEDGE THAT YOU ARE ABLE TO ACCESS THE FULL FUNCTIONALITY OF OUR MOBILE APP, INCLUDING ANY DISCLOSURES THAT PLOOOTUS MAY PROVIDE.

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©2018 Analyze Future LLC | All rights reserved.

By using this website/mobile application, you understand the information being presented is provided for informational purposes only and agree to our Terms of Use and Privacy Policy. Plootus relies on information from various sources believed to be reliable, including clients and third parties, but cannot guarantee the accuracy and completeness of that information. Nothing in this communication should be construed as an offer, recommendation, or solicitation to buy or sell any security. Additionally, Plootus does not provide tax advice and investors are advised to consult with a tax professional. Plootus’s financial advisory and planning services, provided to investors who become clients pursuant to a written agreement, are designed to aid our clients in preparing for their retirement and other financial goals. All investing involves risk, including the possible loss of money you invest, and past performance does not guarantee future performance.