Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your access to and use of the Agent K platform and the website at kritos.ai(together, the "Service"), operated by Kritos AG ("Kritos," "we," "us," or "our").

By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you may not use the Service.

If your organisation has entered into a separate written agreement with Kritos (such as a Beta Services Agreement or a commercial subscription agreement), that agreement governs your use of the platform and takes precedence over these Terms to the extent of any conflict.

2. Eligibility

The Service is intended for use by investment professionals and their organisations. You must be at least 16 years of age to use the Service. By using the Service, you represent that you meet this requirement.

3. Accounts

3.1 Registration

Access to the platform requires an account, created via Google Single Sign-On. You are responsible for maintaining the security of your account credentials and for all activity that occurs under your account.

3.2 Organisational accounts

If you access the Service through an organisation (e.g., your employer), your organisation's administrator may control aspects of your account. Your use is also subject to your organisation's agreement with Kritos.

4. Use of the Service

4.1 Permitted use

You may use the Service for your internal business purposes in accordance with these Terms and any applicable agreement between your organisation and Kritos.

4.2 Restrictions

You shall not:

• Use the Service in violation of applicable law or regulation;
• Sublicense, resell, or make the Service available to any third party except as expressly permitted;
• Reverse engineer, decompile, or disassemble the Service or attempt to access its source code;
• Interfere with or disrupt the Service or its infrastructure;
• Circumvent any access controls, rate limits, or security measures;
• Use the Service to develop a competing product or service;
• Upload content that is unlawful, harmful, or infringes the rights of others; or
• Use automated means (bots, scrapers) to access the Service except through our published APIs.

4.3 AI-generated outputs

The Service uses artificial intelligence to generate analyses, summaries, documents, and other outputs. These outputs are tools to support your professional judgment, not substitutes for it. Specifically:

• AI-generated outputs may contain errors, omissions, or inaccuracies. You are responsible for reviewing and validating all outputs before relying on them.
• The Service does not provide investment, legal, tax, or financial advice. You are solely responsible for all investment and business decisions.
• Kritos does not guarantee the accuracy, completeness, or fitness for purpose of any AI-generated output.

5. Intellectual Property

5.1 Kritos IP

The Service, including its software, design, architecture, algorithms, documentation, and all related intellectual property, is and remains the exclusive property of Kritos. These Terms do not grant you any ownership interest in the Service.

5.2 Your content

You retain all rights to data and content you upload to or create within the Service ("Your Content"). By uploading content, you grant Kritos a limited, non-exclusive licence to use Your Content solely for the purpose of providing the Service to you, in accordance with the applicable agreement and our Privacy Policy.

5.3 Feedback

If you provide suggestions, feature requests, or other feedback about the Service, you acknowledge that such feedback is voluntary and that Kritos is free to use and incorporate it without restriction, attribution, or compensation. Feedback does not give rise to any intellectual property rights in your favour.

6. Data and Privacy

Your use of the Service is subject to our Privacy Policy, which describes how we collect, use, and protect your information, including our use of cookies and your choices regarding analytics cookies.

In summary:

• We do not use your data to train AI models in a manner that would embed or reproduce it.
• We do not sell your data or use it for advertising.
• We do not share your data with other customers.
• Customer Data is logically isolated from other customers' data.

For organisations with a written agreement with Kritos, the data handling terms in that agreement and the associated Data Processing Agreement govern.

7. Availability and Modifications

7.1 No guaranteed availability

The Service is provided on an "as available" basis. We do not guarantee any level of uptime, availability, or performance. We may experience downtime for maintenance, updates, or unforeseen issues.

7.2 Changes to the Service

We may modify, update, or discontinue features of the Service at any time. We will use reasonable efforts to provide notice of material changes, but are not obligated to maintain any particular feature.

7.3 Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you by posting the updated Terms with a revised "Last updated" date. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms. If you do not agree with the changes, you should stop using the Service.

8. Disclaimers

9. Limitation of Liability

These limitations apply regardless of the theory of liability and even if Kritos has been advised of the possibility of such damages.

Nothing in these Terms excludes or limits liability for fraud, death or personal injury caused by negligence, or any liability that cannot be excluded under applicable law.

10. Indemnification

You agree to indemnify and hold harmless Kritos and its officers, directors, employees, and agents from any claims, losses, or damages (including reasonable legal fees) arising from: (a) your use of the Service in violation of these Terms; (b) your violation of applicable law; or (c) content you upload to the Service that infringes the rights of a third party.

11. Termination

11.1 By you

You may stop using the Service at any time. If you wish to close your account, contact us at support@kritos.ai.

11.2 By Kritos

We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. We will use reasonable efforts to provide notice where practicable, except in cases of violations of these Terms, security concerns, or legal requirements.

11.3 Effect of termination

Upon termination, your right to access the Service ceases. Sections 5 (Intellectual Property), 8 (Disclaimers), 9 (Limitation of Liability), 10 (Indemnification), and 13 (Governing Law) survive termination.

12. Third-Party Services

The Service may integrate with third-party services (e.g., Granola, Google Drive). Your use of such services is subject to their own terms and privacy policies. Kritos is not responsible for the availability, accuracy, or practices of third-party services.

13. Governing Law and Disputes

These Terms are governed by the substantive laws of Switzerland, without regard to conflict of laws principles.

Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of the Canton of Schwyz, Switzerland, unless mandatory consumer protection laws in your jurisdiction provide otherwise.

14. General

• Entire agreement: These Terms, together with the Privacy Policy and any applicable written agreement between your organisation and Kritos, constitute the entire agreement between you and Kritos regarding the Service.
• Severability: If any provision of these Terms is found unenforceable, the remaining provisions continue in full force.
• Waiver: Failure to enforce any provision of these Terms does not constitute a waiver of that provision.
• Assignment: You may not assign your rights under these Terms. Kritos may assign its rights to a successor in connection with a merger, acquisition, or sale of assets.
• Language: These Terms are provided in English. If translated, the English version prevails.

15. Contact

If you have questions about these Terms, please contact:

See also: Privacy Policy →