Floreo
Lab

Terms of Service

Version: 1.1 | Effective Date: Oct 9, 2026

These Terms of Service govern your access to and use of the Floreo Lab platform. By accessing or using the Platform, you agree to be legally bound by these Terms. If you do not agree, you must not use the Service.

1.Eligibility

You may use the Service only if:

  • You are at least 18 years old
  • You have legal capacity under applicable law
  • You are not prohibited from using the Service under EU or Austrian law

If you use the Service on behalf of a legal entity, you confirm you are authorized to bind that entity.

2.Description of the Service

Floreo Lab provides:

  • Portfolio tracking tools
  • Financial performance analytics
  • Visualization and reporting tools
  • Asset allocation insights
  • Customizable financial dashboards
  • AI-assisted insights and chat features, where enabled for your account

The Service is provided as a technical software tool for informational purposes only.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time.

3.No Financial, Investment, or Legal Advice

Floreo Lab does not provide:

  • Investment advice
  • Financial advice
  • Tax advice
  • Legal advice
  • Brokerage services
  • Portfolio management services

We are not a credit institution, investment firm, or financial advisor within the meaning of:

  • Directive 2014/65/EU (MiFID II)
  • Regulation (EU) No 600/2014 (MiFIR)
  • Austrian Securities Supervision Act (WAG 2018)

This also applies to AI-generated content. AI features may produce inaccurate or incomplete output, do not constitute advice, and must not be relied upon as the sole basis for a decision. How AI features process your data is described in our Privacy Policy.

All information provided through the Platform is for informational and educational purposes only.

You are solely responsible for your investment decisions.

Investments involve risk, including possible loss of capital.

4.Market Data & Third-Party Data Disclaimer

The Platform may use third-party data providers (e.g., public financial APIs).

You acknowledge that:

  • Market data may be delayed, inaccurate, incomplete, or unavailable.
  • We do not guarantee accuracy, reliability, or timeliness.
  • Data providers may change, suspend, or terminate access without notice.
  • We are not liable for trading losses resulting from data inaccuracies.

The Service is not an official source of market pricing.

5.User Accounts

To access certain features, you must create an account.

You agree to:

  • Provide accurate and complete information
  • Keep login credentials confidential
  • Immediately notify us of unauthorized access
  • Be fully responsible for activities under your account

We may suspend or terminate accounts that:

  • Violate these Terms
  • Are used fraudulently
  • Compromise security
  • Violate applicable law

6.Acceptable Use

You agree not to:

  • Reverse engineer or decompile the Platform
  • Attempt unauthorized access to systems or APIs
  • Use automated scraping tools
  • Interfere with infrastructure or servers
  • Circumvent security measures
  • Use the Service for unlawful purposes
  • Resell or sublicense access without authorization

We may monitor usage for security purposes in compliance with EU data protection laws.

7.Subscriptions, Fees & Payments (If Applicable)

Certain features may require payment.

If applicable:

  • Fees are displayed before purchase
  • Prices include VAT where required by EU law
  • Billing cycles are specified at subscription start
  • Subscriptions renew automatically unless cancelled
  • Users may cancel at any time for future billing periods

No paid plans are currently offered. The following applies as soon as paid features are introduced.

If you are a consumer in the EU, you have a statutory right to withdraw from a paid subscription within 14 days without giving any reason. For digital services, this right lapses before the end of that period only if you have expressly requested that performance begin during the withdrawal period and have acknowledged that you thereby lose your right of withdrawal (§ 18(1)(11) of the Austrian Distance and Off-Premises Transactions Act, FAGG). We will ask for that express request and acknowledgement before performance begins.

Apart from this, refunds are handled in accordance with your statutory rights, including the statutory warranty for digital services.

8.Intellectual Property

All rights in the Platform, including:

  • Software
  • Design
  • Branding
  • Algorithms
  • Analytics logic
  • Documentation

are owned by us or licensed to us.

You retain ownership of:

  • Data you input
  • Portfolio information you upload

You grant us a limited license to process your data solely to provide the Service.

We may use anonymized and aggregated data for analytics and product improvement.

9.Data Protection & GDPR

We process personal data in accordance with:

  • Regulation (EU) 2016/679 (GDPR)
  • Austrian Data Protection Act (DSG)

Details are provided in our Privacy Policy.

Users located in the EU have rights including:

  • Right of access
  • Right to rectification
  • Right to erasure
  • Right to data portability
  • Right to restriction of processing
  • Right to object to processing
  • Right to lodge complaints with a supervisory authority

10.Security Disclaimer

We implement appropriate technical and organizational security measures.

However:

  • No system is completely secure.
  • We cannot guarantee absolute protection against cyberattacks.
  • Users are responsible for securing their devices and credentials.

11.Service Availability

The Service is provided "as available".

We do not guarantee:

  • Continuous availability
  • Error-free operation
  • Uninterrupted access

Maintenance, updates, and external provider issues may result in downtime.

12.Limitation of Liability

To the maximum extent permitted under Austrian and EU law:

We shall not be liable for:

  • Investment losses
  • Loss of profits
  • Indirect or consequential damages
  • Data loss not caused by gross negligence
  • Losses resulting from third-party data inaccuracies

In cases of slight negligence, liability is limited to foreseeable damages typical for digital services.

Liability for:

  • Intent
  • Gross negligence
  • Personal injury
  • Mandatory statutory consumer rights

remains unaffected.

Total liability shall not exceed the amount paid by the user in the preceding 12 months.

13.Indemnification

You agree to indemnify and hold us harmless against claims arising from:

  • Your misuse of the Service
  • Violation of these Terms
  • Violation of applicable law

14.Termination

You may terminate your account at any time.

We may suspend or terminate accounts:

  • For violation of these Terms
  • For security risks
  • For unlawful activities
  • If required by law

Upon termination, access to the Service may cease immediately.

15.Consumer Rights (EU)

Nothing in these Terms limits mandatory consumer protection rights under EU or Austrian law.

If you are a consumer residing in the EU, you retain all statutory rights.

16.Governing Law & Jurisdiction

These Terms are governed by the laws of Austria, excluding conflict-of-law rules.

For consumers within the EU:

  • Mandatory consumer protection rules of their country of residence remain applicable.

For business users:

  • Exclusive jurisdiction shall be the competent court in Austria.

17.Changes to the Terms

We may amend these Terms where there is a valid reason to do so, for example changes to the Service, to our costs, or to applicable law.

We will notify you of material changes by email at least 30 days before they take effect.

If you do not agree to a change, you may object or terminate your account free of charge before the change takes effect. If you do not object within that period, the change is deemed accepted; we will point this out in the notice.

Changes do not apply retroactively and never restrict your mandatory statutory rights as a consumer.

18.Contact Information

The Service is operated by:

Our postal address and full provider details are set out in our Imprint.