Terms of Service

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING PLUTONUS, YOU AGREE TO BE BOUND BY THESE TERMS OF SERVICE. IF YOU DO NOT AGREE, DO NOT USE PLUTONUS.

Plutonus connects the financial accounts you link to AI assistants and applications that support the Model Context Protocol (“MCP”), such as Claude and ChatGPT. By accessing or using the Service, you agree to be bound by this Plutonus Agreement and our Privacy Policy, which is incorporated by reference. If you do not agree, stop using the Service immediately.

This Plutonus Agreement is a product-specific Agreement under, and supplements, the Kikoff Master Terms of Service (the “Master Terms”). The Master Terms and the other Agreements referenced there are incorporated into this Plutonus Agreement and apply to your use of the Service. Terms defined in the Master Terms have the same meaning in this Plutonus Agreement unless otherwise defined here. If there is a conflict between this Plutonus Agreement and the Master Terms, this Plutonus Agreement will control with respect to the Service and only to the extent of the conflict.

1. Account Registration and Authentication

To use Plutonus, you must create an account at plutonus.app. You agree to:

• Provide accurate, current, and complete information during registration and keep it updated;
• Maintain the confidentiality of your account credentials and of any access tokens Plutonus issues — including tokens used to connect AI assistants — and not share them with any other person; and
• Notify us immediately at hello@plutonus.app if you suspect unauthorized access to your account or any connected assistant.

You are solely responsible for all activity that occurs under your account or through tokens issued to you, whether or not authorized by you.

By creating an account, you consent to receive account-related communications from us, including one-time passcodes for authentication and security or service notifications. Where you provide a mobile number, we send these by SMS; we may also send communications by email. Message and data rates may apply to SMS. Information obtained as part of SMS consent will not be shared with third parties or affiliates except with service providers that operate our messaging on our behalf. You may opt out of non-essential communications by contacting us at hello@plutonus.app, though opting out of authentication messages may prevent you from signing in.

2. Connecting Your Financial Accounts (Plaid)

2.1 Plaid Authorization

Plutonus uses Plaid Inc. (“Plaid”) to enable you to connect your bank, card, and brokerage accounts to the Service. When you connect an account, you authorize Plutonus and Plaid to access your financial data on a read-only basis, including account balances, transaction history, and account holder information. This authorization does not permit Plutonus or Plaid to initiate transfers, make payments, or perform any transaction on your behalf.

2.2 Acceptance of Plaid's Terms

When you connect your financial accounts, you agree to Plaid's terms, including Plaid's End User Privacy Policy (https://plaid.com/legal).

2.3 Disconnecting Accounts

You may disconnect your financial accounts at any time through the Service. Previously accessed data may continue to be retained as described in our Privacy Policy until you delete your account.

2.4 Accuracy of Financial Data

We make no guarantee about the accuracy, completeness, or timeliness of financial data provided by Plaid or your financial institutions. You should verify important financial information directly with your bank.

3. Connecting AI Assistants (Model Context Protocol)

3.1 How Plutonus Works

Plutonus lets you connect third-party AI assistants and applications — such as Claude, ChatGPT, and other clients that support the MCP — to the financial data you have linked to the Service. When you authorize an AI assistant, you grant that client permission to query and retrieve your connected financial data through Plutonus on a read-only basis, using scoped access tokens that you can revoke at any time.

3.2 Connected AI Assistants Are Independent Third Parties

AI assistants and MCP clients that you connect are operated by independent third parties, not by Kikoff. Your use of any such assistant is governed by that third party's own terms of service and privacy policy. We do not control, and are not responsible for, how a connected assistant uses, stores, transmits, displays, or further shares the financial data it retrieves through Plutonus, nor for the content, accuracy, or availability of that assistant.

3.3 You Control What You Connect

You decide which AI assistants to connect and what they may access. You are responsible for reviewing the terms and privacy practices of any assistant before connecting it, and for the consequences of sharing your financial data with it. You may revoke an assistant's access at any time through the Service. Revocation stops future access but does not retrieve or delete data the assistant has already obtained.

3.4 Your Data Leaves Our Control Once Retrieved

Once your financial data is delivered to a connected AI assistant at your direction, it is subject to that assistant's policies and is not under Kikoff's control. You acknowledge that connected assistants may transmit your data to their own model providers and infrastructure.

3.5 The execute_sql Tool (Beta) and Responsible Use

Plutonus offers an execute_sql tool that runs read-only SQL queries — composed by you or by a connected AI assistant on your behalf — against your own financial data. It is offered as a Beta feature. We may rate-limit, change, suspend, or withdraw it at any time, with or without notice.

You agree to use the execute_sqltool only to analyze your own financial data for lawful purposes, and not to attempt to access another user's data, to circumvent or exceed usage quotas, or to probe, overload, or attack the Service.

For safety, abuse prevention, and debugging, we log the text of your queries and the number of rows they return. We do not log the query results or the financial-data values they contain. By using the execute_sql tool you consent to this logging.

4. AI Features and Important Disclaimers

4.1 AI-Powered Features

The Service exposes your financial data to AI assistants you connect and may also provide its own AI-powered features. These features use large language model (LLM) technology to analyze financial data and generate responses, summaries, and insights.

4.2 Plutonus Does NOT Provide Financial, Investment, or Legal Advice

ALL CONTENT, INSIGHTS, RECOMMENDATIONS, AND RESPONSES GENERATED THROUGH PLUTONUS OR BY ANY AI ASSISTANT YOU CONNECT TO IT ARE PROVIDED FOR INFORMATIONAL AND ORGANIZATIONAL PURPOSES ONLY. THEY DO NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, ACCOUNTING, OR LEGAL ADVICE.

Plutonus is not a registered investment advisor, broker-dealer, financial planner, or financial institution. No information or content provided through the Service constitutes a legal opinion or creates any professional relationship between you and Kikoff. You should not rely on AI outputs as a substitute for advice from qualified professionals. You may wish to consult with a licensed financial advisor, accountant, or attorney before making financial decisions.

4.3 AI Limitations

AI assistants generate responses based on the financial data you connect and their underlying training — not on real-time market data, current tax law, or a complete picture of your finances. Their outputs can be confidently stated but factually wrong, inconsistent across sessions, or based on information that has since changed. AI assistants may miscategorize transactions, misread merchant names, or misinterpret account structures. Responses are generated automatically and are not reviewed by licensed financial professionals before being shown to you.

You should independently verify any specific figures, dates, or recommendations before acting on them. Plutonus is a tool to help you organize and understand your financial data — not a substitute for professional financial judgment.

5. Fees and Subscription

Plutonus may be offered through free and paid subscription tiers. Any fees, billing frequency, and the features included in each tier will be clearly disclosed before you are charged. By starting a paid subscription, you authorize us, through our third-party payment processor, to charge the applicable fees to your payment method.

Unless otherwise stated at the time of purchase: subscriptions renew automatically at the end of each billing period until you cancel; you may cancel at any time through the Service, with cancellation taking effect at the end of the current billing period; and fees already paid are non-refundable except where required by law. We may change our fees on a prospective basis with reasonable advance notice, and we may suspend or downgrade access for non-payment.

6. Account Termination and Deletion

6.1 Termination by You

You may delete your account at any time through the Service. When you do, we immediately end your access and revoke the access tokens issued to you and to any connected AI assistants, and we free your phone number and email for future registration.

Your account is recoverable for 30 days after deletion. To restore it, contact us at hello@plutonus.app. After that window, we automatically and permanently delete the personal and financial data associated with your account across our systems and providers, including disconnecting your linked accounts at Plaid, as described in our Privacy Policy. We retain limited anonymized security and audit records for up to 90 days to meet legal and compliance obligations, and residual copies may persist in backups for a limited period.

6.2 Termination by Us

We may suspend or terminate your access to the Service at any time, with or without cause, including if we believe you have violated this Plutonus Agreement, if we suspect fraudulent or harmful activity, or if providing the Service is no longer commercially or technically feasible. We will provide notice where reasonably practicable, but are not obliged to do so.

6.3 Effect of Termination

Upon termination, the rights and licenses granted to you will immediately cease and you must stop using the Service. Sections 3, 4, 7, 8, and 9, and any other provisions that by their nature should survive will continue in effect after termination.

7. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.

We do not warrant that:

• The Service will be uninterrupted, error-free, or secure;
• Financial data provided through Plaid will be accurate or complete;
• AI-generated content — whether produced by the Service or by a connected AI assistant — will be accurate, reliable, or appropriate for your circumstances;
• Any third-party AI assistant or MCP client will be available, secure, or handle your data in any particular way; or
• Any defects in the Service will be corrected.

8. Limitation of Liability

The Limitation on Liability set forth in Section 14 of the Master Terms applies to your use of the Service and to any AI assistant you connect to it.

IN ADDITION, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING UNDER THIS PLUTONUS AGREEMENT SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE TWELVE MONTHS PRECEDING THE CLAIM OR (B) FIFTY DOLLARS ($50).

9. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR LEGAL RIGHTS. Any Dispute arising out of or relating to this Plutonus Agreement or the Service is governed by, and subject to, the Arbitration Agreement, the Class Action Waiver, and the Jury Trial Waiver set forth in Section 17 of the Master Terms, including your right to opt out of arbitration as described there.

10. Contact Us

Kikoff Inc. — Plutonus Legal Team

Email: hello@plutonus.app

Mail: Kikoff Inc., Attn: Plutonus, 633 Folsom St., Suite 300, San Francisco, CA 94107