Kurto is offered to individuals in the United States who are at least 18 years old and can form a binding contract. Kurto is not directed to users outside the United States, and its features, data, and availability are built for a US audience. By using Kurto you represent that you meet these requirements and that the information you provide is your own.
Kurto is an informational and analytical tool. It reads official fund disclosures (such as SEC filings) and public news sources and shows you facts and calculations about funds, and about portfolios you enter yourself: what funds hold, what they cost, how they overlap, how their exposures are composed, and which reported events have touched them — each with its sources and dates.
Kurto does not provide investment advice, and you agree not to treat it as if it does. Nothing Kurto shows you — no number, comparison, briefing, whisper, draft, screen, scenario, or calculation — is:
Kurto is not, and does not act as, an investment adviser, broker-dealer, financial planner, or fiduciary, and your use of Kurto creates none of those relationships. Kurto does not manage money, hold assets or custody, place trades, or connect to any brokerage account. Every investment decision is yours alone. For advice about your situation, consult a licensed professional.
Kurto’s facts come from third-party public sources — regulatory filings, provider disclosures, market-data feeds, and news. Those sources publish on delays, can contain errors, and can change; our collection and processing can introduce errors too. Where Kurto can show the date of the underlying data (for example “holdings as of …” or a price date), it does, and you should read those dates — a figure may reflect a filing that is weeks or months old.
Everything is provided “AS IS” and “AS AVAILABLE,” without warranty of any kind. We do not warrant that any figure, look-through, exposure, fee, comparison, or event is accurate, complete, current, or fit for any purpose, and you agree not to rely on Kurto as the sole basis for any financial decision. Verify anything that matters against primary sources and your own professionals.
You sign in with an email address you control; there are no passwords. You are responsible for maintaining access to that email address and for activity under your account. Tell us promptly (hello@kurto.ai) if you believe your account has been accessed without your permission. We may refuse, suspend, or terminate accounts at our discretion, including to protect the service or comply with law.
The portfolios, amounts, goals, and notes you enter are self-reported; Kurto cannot and does not verify them. You agree to enter only information you are entitled to use, not to enter other people’s personal or account information, and not to use Kurto to violate any law or third-party right. You further agree not to: probe, scrape, overload, or reverse-engineer the service or its data; circumvent access controls or usage limits; resell or redistribute Kurto’s data or outputs; or use automated means to access the service except as we expressly permit.
You retain ownership of the information you enter. You grant us only the limited license needed to operate the service for you — to store, process, and compute over your inputs to produce the analyses you request. We do not sell your data and do not use it to train outside artificial-intelligence services (see §6).
Our Privacy Note is incorporated into and part of these Terms. In brief: your account data is encrypted before it is stored, analysis runs on our own hardware, nothing is sold, and nothing is sent to third-party AI services; and you can export or permanently delete everything from your account page at any time.
Kurto’s core is free. Certain optional advanced features may in the future require a paid subscription. If and when they do, the price, billing period, automatic-renewal terms, and cancellation method will be disclosed to you clearly and conspicuously before you are charged, you will affirmatively agree to them at that point, and this section will be updated (with re-acceptance) to include them. As of this version there is no fee and no charge will occur.
Accounts have usage tiers (today they differ only in how many holdings an account may watch). Tier changes are made on request by emailing hello@kurto.ai; no payment system exists and no charge occurs.
Kurto’s software, design, text, look-and-feel, methods, and the compiled and computed outputs it produces are owned by us or our licensors and are protected by law. These Terms grant you a personal, limited, non-exclusive, non-transferable, revocable license to use Kurto for your own, non-commercial, informational purposes, and nothing more. Third-party data shown in Kurto remains the property of its sources and is subject to their terms.
Availability. Kurto is provided on an “as available” basis. We may modify, suspend, or interrupt the service — in whole or in part, including for planned or emergency maintenance — at any time, and where practical we will try to give notice of planned downtime. We do not promise any particular uptime or service level, and we are not liable for any unavailability, delay, interruption, or resulting loss. (If a paid subscription is ever offered, any service commitment or credit for downtime will be stated in the paid terms at that time; there is none while the service is free.)
Changes. Kurto is evolving. We may add, change, or remove features and data at any time. We may also update these Terms; when we make material changes we will show you the updated Terms in the product and ask you to accept them before continuing to use it. Continued use after an update, following acceptance, means you agree to the updated Terms. Each version is recorded with the date you accepted it.
You may stop using Kurto and delete your account at any time. We may suspend or terminate your access at any time, with or without notice, including for violation of these Terms or to protect the service or others. On termination, your right to use Kurto ends; sections that by their nature should survive (including §§2, 3, 5, 8, 11, 12, 13, 14) survive.
To the fullest extent permitted by law, Kurto and its operator disclaim all warranties, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement, and any warranty that the service will be uninterrupted, error-free, secure, or that any result or data is reliable. No advice or information obtained from Kurto creates any warranty not expressly stated here.
To the fullest extent permitted by law:
Some jurisdictions do not allow certain of these exclusions or limits; to that extent they apply to the fullest extent permitted, and nothing here limits liability that cannot be limited by law.
You agree to indemnify and hold harmless Kurto and its operator from claims, losses, and expenses (including reasonable legal fees) arising out of your misuse of the service, your violation of these Terms or any law, or your infringement of any third-party right.
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws rules.
Please read this section carefully — it affects how disputes are resolved.
Before starting a formal proceeding, you agree to contact us at hello@kurto.ai and give us 30 days to resolve the matter informally. Most concerns can be settled this way.
If we cannot resolve a dispute informally, you and we agree that any dispute arising out of or relating to Kurto or these Terms will be resolved by final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court, except as stated in (d). The arbitration will be conducted in the county where you reside or by video/telephone where the rules allow, and judgment on the award may be entered in any court of competent jurisdiction.
You and we agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. The arbitrator may not consolidate more than one person’s claims or preside over any form of a representative or class proceeding.
Either party may (i) bring an individual claim in small-claims court if it qualifies, and (ii) seek injunctive or equitable relief in court to stop actual or threatened infringement or misuse of intellectual property or unauthorized access to the service.
You may opt out of this arbitration agreement (§14 b–c) within 30 days of first accepting these Terms by emailing hello@kurto.ai with your account email and a clear statement that you opt out of arbitration. Opting out does not affect any other part of these Terms.
If the class-action waiver in (c) is found unenforceable as to a particular claim, that claim (and only that claim) will proceed in court, and the rest of this §14 remains in effect.
These Terms (with the Privacy Note) are the entire agreement between you and us about Kurto and supersede prior understandings. If any provision is held unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor or affiliate. We are not liable for delays or failures caused by events beyond our reasonable control. These Terms do not create any third-party beneficiary rights.
Kurto is operated by ⟨Kurto LLC — exact registered name⟩, a New Jersey limited liability company. Questions about these Terms: reply to any Kurto email or write to hello@kurto.ai.