Terms of service

Last updated: 26 November 2025

1. GENERAL PROVISIONS

1.1. These terms of service, together with the other documents referred to in these terms of service (hereinafter referred to as the “Terms of Service”), are a binding legal agreement between the User (or “you”) and the Service Provider (or “us”, ‘we”) that govern use of the Services (as defined in point 1.4.2), and establishes the rights, obligations and liability of the Parties.
1.2. By using the Platform and any of the Services therein, as well as by registering an Account, you confirm that you have read these Terms of Service and rights and obligations of the User established therein and agree to adhere to them unconditionally and irrevocably. If a User does not agree to assume and adhere to all obligations set forth in these Terms of Service, the User shall not have the right to register an Account, use the Platform and Service therein.
1.3. The Services are intended for users that aren’t consumers (being an individual acting primarily for purposes other than a trade, business or profession) and the applicability of consumer protection legislation is therefore excluded. You must be 18 years of age or older to enter into this agreement and use the Services. You represent and warrant that any information you submit is true and accurate, you are fully able and competent, and you have the authority to represent the entity on whose behalf you register an Account and use the Services, if applicable.
1.4. Capitalized terms used in these Terms of Service shall have the following meanings:
1.4.1. Terms of Service – the Terms of Service set herein are a binding legal agreement between the Parties, that establishes the terms and conditions for the use of the Platform and Services provided therein, as well as the rights, obligations and liability of the Parties for violation of these Terms of Service.
1.4.2. Services – shall mean: 1) analytics solution platform “PLY Markets” that allows Users to get a unique insight into the financial data of public companies listed on various securities exchanges and alternative trading systems by using the Service Provider collected comprehensive public financial data and analytical templates that allow Users to analyze and compare financial data faster and easier; 2) a platform “PLY Strategies“ is an educational platform that displays simulations of hypothetical investments in predefined strategies using historical market data, allowing Users to observe and analyze portfolio behavior under various market conditions; (and) or 3) “PLY Insights”, an open data analytics platform for businesses, turning raw public datasets into powerful, interactive insights for market, risk, and company analysis. Together 1), 2) and 3) platforms hereinafter referred to as „Services“ or individually as „Service“.
1.4.3. Platform – means the web-based software solution, provided and operated by the Service Provider, which allows Users to access and use the educational and informational Services described in these Terms of Service.
1.4.4. Service Provider – the entity providing Services and administering and maintaining the Platform, UAB “Finansų analizės ir valdymo sprendimai”, legal entity code 303500896, legal address 5 Ulonų str., LT-08240 Vilnius, Lithuania. Data about the Service Provider are collected and stored in the Register of Legal Entities, Register State Enterprise Centre of Registers. Service Provider’s VAT identification number – LT100009077919.
1.4.5. User – a person or its authorized representative who use the Platform and Service therein.
1.4.6. Account – the result of the User’s registration with the Platform, which creates a personal account for the User that stores his or her Personal Data and history on usage of Services.
1.4.7. Financial Data – is the publicly available data relating to companies that is collected and reported by the Service Provider on the Platform from publicly available sources, including official websites of public authorities, public companies and various securities exchanges and alternative trading systems. The provided Financial Data is updated on a regular basis following the changes in data on the aforementioned publicly available sources, but regularly updated financial data is accessible just for Users on the Service subscription basis. The scope of the Financial Data provided to the Users depends on Users selected Services.
1.4.8. Personal Data – any information collected by the Service Provider about the User or representative thereof (natural person) as defined in Article 4(1) of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC (General Data Protection Regulation).
1.4.9. Intellectual Property Rights – any present and future rights in and to trade secrets, patents, copyrights, trademarks, service marks, know-how, and other proprietary rights of any type under the laws of any governmental authority, domestic or foreign, including rights in and to all applications and registrations relating to the Platform and Services.
1.4.10. Parties – the Service Provider and the User.
1.5. All information provided to the Users in relations of Services, as well as reachable via the Platform and gathered using Services could not be treated as investment, legal, financial, accounting, tax or other professional advice. The Services provided by the Service Provider are strictly educational, informational, and analytical. The Services consist of the collection of Financial Data and its presentation to the Users through analytical tools for the analysis of this Financial Data only. Neither the Service Provider nor any of its representatives will:
1.5.1. provide legal, tax, accounting, or regulatory advice (collectively – “Advice”).
1.5.2. offer any opinion regarding entering into, modifying or terminating any commercial, financial or other business relationship or transaction;
1.5.3. guarantee the accuracy, completeness or timeliness of Financial Data obtained from publicly available third-party sources.
1.5.4. alert the User to any changes in Financial data;
1.5.5. monitor any User Account or the data it analyzes;
1.6. The User acknowledges and agrees that:
1.6.1. the Financial Data made available through the Services is obtained from publicly available sources maintained by third parties;
1.6.2. the Service Provider does not control such third-party sources and does not independently verify the accuracy, completeness, reliability or timeliness of the Financial Data obtained from them;
1.6.3. the User is solely responsible for independently assessing and, where appropriate, verifying the Financial Data before relying on it when making any business, financial or other decision;
1.6.4. the Service Provider shall not be liable for any losses, damages, costs or decisions arising from inaccuracies, omissions, delays or errors originating from third-party data sources.
1.7. The Service Provider does not endorse, verify, or assume responsibility for any advice, content, or representations provided by third parties, including but not limited to information accessible via references or links on the Services platforms (such as official websites).
1.8. The Service Provider shall process the User’s Personal Data in accordance with the Privacy Policy. The Personal Data Protection and Privacy Policy contains important provisions of the Terms of Service, so it is recommended that the User read them carefully and make sure that all the provisions of the Privacy Policy are understandable and acceptable; available in the Privacy Policy section in the Platform.
1.9. These Terms of Service shall be governed, construed, and enforced in accordance with the laws of the Republic of Lithuania, without giving effect to conflicts-of-law principles thereof. If any provision of these Terms of Service contradicts the legislation of the Republic of Lithuania or becomes invalid in whole or in part for any reason, it shall not invalidate the remaining provisions of the Terms of Service.
1.10. The Service Provider reserves the right to change, amend or supplement these Terms of Service at any time. User shall be informed about changes to the Terms of Service via Platform or Account, or by email. Unless otherwise specified by Service Provider, changes become effective for User upon renewal of the then-current subscription term or entry into a new subscription after the updated version of these Term of Service goes into effect. User may be required to click to accept or otherwise agree to the modified Terms of Service before renewing a subscription term or entering into new subscription, and in any event continued use of any Service after the updated version of this Terms of Service goes into effect will constitute User’s acceptance of such updated version.

2. ACCESS TO THE PLATFORM, SERVICE, AND USE RESTRICTIONS

2.1. Service Provider hereby grants you the right to access the Platform and use any Services, subject to your compliance with these Terms of Service at all times, including timely payment of all applicable fees (if any). User’s right to access and use any of the Services is personal, limited to your personal purposes, non-transferable, non-exclusive, and revocable.
2.2. All Users must register an Account on the Platform to use any of the Service. User shall agree to:
2.2.1. provide accurate, current and complete information as may be prompted by on Account registration form on the Platform;
2.2.2. maintain the security of, and not share with any third party, any logins, passwords, or other credentials that Users owns for use of any the Services;
2.2.3. maintain and promptly update the Personal Data, and any other information provided, and to keep all such information accurate, current, and complete, and
2.2.4. notify Service Provider immediately of any unauthorized use of an Account or any other breach of security by emailing Service Provider.  Any activity on User’s Account shall be the sole responsibility of the User.
2.3. Access and use of the Platform and any Service is possible when Service Provider has identified the User by the User’s e-mail address and password indicated at the moment of registration of the Account.
2.4. Without limiting the generality of the foregoing, User shall not, shall not attempt to, and shall not permit or encourage any third party to:
2.4.1. reverse engineer, disassemble, decompile, decode, or otherwise attempt to derive or gain improper access to any software component of the Platform and Services, in whole or in part;
2.4.2. modify or create derivative works of the Platform and Services, in whole or in part;
2.4.3. use the Platform and Services in any manner or for any purpose that infringes, misappropriates, or otherwise violates any intellectual property right or other right of any third party;
2.4.4. interfere with or disrupt the integrity of the Platform and Services, or any content or data contained therein or transmitted thereby;
2.4.5. access, monitor, or copy any content or information on the Platform and Services using any robot, spider, scraper, or other automated means or any manual process for any purpose incompatible with the essence of the Services without Service provider express written permission;
2.4.6. violate the restrictions in any robot exclusion headers on the Platform and Services or bypass or circumvent other measures employed to prevent or limit access to the Platform and Services;
2.4.7. take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;
2.4.8. “frame”, “mirror,” sell, resell, rent, or lease any portion of the Platform and Services or otherwise incorporate any part of the Platform and Services into any other website without our prior written authorization;
2.4.9. input any virus, malware, or other harmful code into the Platform, Account, Services;
2.4.10. use the Platform and Services, or any provided Financial Data  analyzing solutions for benchmarking or competitive analysis with respect to competitive or related products or services or to develop, commercialize, license, or sell any product, service, or technology that could, directly or indirectly, compete with the Services and Platform; or
2.4.11. violate any applicable local, provincial national, or international law or regulation.
2.5. Service Provider reserves the right to suspend provision of any Service, if Service Provider deems such suspension necessary as a result of User’s breach of these Terms of Service, or/and if Service Provider reasonably determines suspension is necessary to avoid material harm to Platform and Services or its other users, including if the Services is experiencing denial of service attacks, mail flooding, or other attacks or disruptions outside of Service Provider control, or/and as required by law or at the request of governmental entities.

3. SERVICE SUBSCRIPTION, FEES AND PAYMENT

3.1. Access to certain features of the Platform and Services may be provided to User free of charge, while access selected features of Services may be provided on a Service subscription basis. Additional information regarding the Services subscription plans and pricing may be found on the Pricing section of the Platform.
3.2. Service Provider reserves the right to implement new fees or change the fees for certain Services at any time in accordance with the general procedure for amending and informing the Users about the change of these Terms of Service.
3.3. Selected subscription plan of the Services are billed either monthly or annually (depending on Services and subscription plan). User shall select available payment method.  Selected payment method will be charged automatically on a recurring monthly or annual basis. User’s subscription will be renewed automatically, and User will be charged in advance of each billing cycle unless User cancel under the order described in clauses 6.2, 3.6 of Terms of Service.
3.4. By purchasing any Service subscription, User authorizes Service Provider or its third-party payment processors to charge the credit or debit card identified by User (which User represents and warrants that User is authorized to use) all applicable fees for purchase, including all applicable taxes, and User agrees that Service Provider or its payment provider can store User’s credit card information. If Service Provider does not receive payment from User’s credit card provider, User hereby agrees to pay all amounts due upon demand and Service Provider may suspend User’s access to the Services until full payment is received or terminate the Service.
3.5. The third-party payment system Stripe is used to make all User payments on subscribed plan and to store credit or debit card information. The Stripe system operator and supplier is Stripe Payments Europe, Ltd, C / O A & L Goodbody, Ifsc, North Wall Quay Dublin D01 H104, Dublin, Ireland. The payment service provider operates under an electronic money institution license issued by the Central Bank of Ireland ([license number]).
3.6. All delivered payments for subscribed plans are final, and Service Provider will not issue refunds, including for monthly/annually Services subscription fees. By cancelling a monthly/annual subscription, all future charges associated with future months of User’s subscription will be cancelled. User may notify Service Provider of User’s intent to cancel at any time; User’s cancellation will become effective at the end of User’s current monthly/annual billing period. User will not receive any refund; however, User’s subscription access and/or delivery and accompanying subscriber benefits will continue for the remainder of the current monthly/annual billing period. If User choose an automatic recurring payment and later decide to end selected subscription, cancelling the payment is solely User’s responsibility.
3.7. If Service Provider terminates, suspends or in any other way limits User’s access to the Platform and (or) Services, because of User’s fault, any breaches of Terms of Services, all delivered payments for subscribed plans are final, and Service Provider will not issue any refunds, including for monthly/annually Services subscription fees.
3.8. If the Service Provider terminates, suspends, or otherwise restricts the User’s access to the Platform and/or Services without fault on the part of the User, the Service Provider shall refund a proportional amount of the fees paid. The refund will be calculated based on the number of days or months during which the User had access to the Services.

4. INTELLECTUAL PROPERTY

4.1. The Platform and Services, and all of the content it contains, or may contain in the future, including but not limited to text, content, photographs, video, audio and graphics, goods, designs, information, applications, software, music, audio files, articles, directories, guides, photographs as well as trademarks, service marks, trade names, trade dress, copyrights, logos, domain names, code, patents and/or any other form of intellectual property that relates to this Platform or/and Service, are owned by or licensed by Service Provider or other third parties and are protected from any unauthorized use, copying and dissemination by copyrights, trademarks, service marks, international treaties, and/or other proprietary rights and laws of the Republic of Lithuania and other countries.
4.2. User agrees to protect the proprietary rights of Service Provider and all others having rights in the Services during and after the Services provision term and to comply with all reasonable written requests made by Service Provider or its suppliers and licensors of content, equipment, or otherwise (“Suppliers”) to protect their and others’ contractual, statutory, and common law rights in the Services.
4.3. During the provision of the Services, in accordance with these Terms of Service, the User is granted the non-exclusive right to use the Platform or/and Services, database and the Financial Data, and its analyzing solutions provided by Service Provider only for direct personal use. User agrees to notify Service Provider in writing promptly upon becoming aware of any unauthorized access or use of the Services by any individual or entity of any claim that the Services infringes upon any copyright, trademark, or other contractual, statutory, or common law rights. All the Intellectual Property Rights shall, as between User and Service Provider, at all times be and remain the sole and exclusive property of Service Provider. All present and future rights in and title to the Service (including the right to exploit the Service and any portions of the Service over any present or future technology) are reserved to Service provider for its exclusive use. Except as specifically permitted by these Terms of Service, User may not copy or make any use of the Service or any portion thereof.

5. DISCLAIMER AND LIMITATION OF LIABILITY

5.1. USER AGREES THAT USE OF THE SERVICES IS AT USER’S SOLE RISK AND ACKNOWLEDGE THAT THE SERVICES AND ANYTHING CONTAINED WITHIN THE SERVICES, INCLUDING, BUT NOT LIMITED TO, CONTENT, SERVICES, FINANCIAL DATA, AND/OR ANALYTICS SOLUTIONS FOR THE ANALYSIS OF THIS FINANCIAL DATA, ARE PROVIDED “AS IS” AND “AS AVAILABLE,” AND THAT SERVICE PROVIDER TO THE MAXIMUM EXTENT PERMITTED BY LAW MAKES NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO THE SERVICES, INCLUDING, BUT NOT LIMITED TO, MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR THOSE ARISING BY STATUTE OR OTHERWISE IN LAW FROM A COURSE OF DEALING OR USAGE OF TRADE OR THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. SERVICE PROVIDER DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THESE SERVICES OR THE SERVICE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. NO ORAL OR WRITTEN ADVICE OR INFORMATION USER RECEIVES FROM THE DATA PROVIDED BY THE SERVICE PROVIDER WILL CREATE A WARRANTY, AND USER IS NOT ENTITLED TO RELY UPON ANY INFORMATION.
5.2. The User acknowledges that the Services include Financial Data obtained from publicly available third-party sources and are provided solely for informational and analytical purposes. The Service Provider does not independently verify, and does not guarantee, the accuracy, completeness, reliability or timeliness of the Financial Data or any other information made available through the Services. Nothing contained in the Services constitutes legal, financial, tax, accounting or other professional advice, nor should it be construed as a recommendation or endorsement to enter into, modify or terminate any business, commercial, financial or other transaction or relationship. The User remains solely responsible for independently evaluating the Financial Data and any other information available through the Services before relying on it for any business or other decision. The Services are not intended to use by, or distribute to, any person or entity in any jurisdiction or country where such use or distribution would be contrary to law or regulation. Accordingly, anything to the contrary herein set forth notwithstanding, Service Provider, its Suppliers, agents, directors, officers, employees, representatives, successors, and assigns shall not, directly or indirectly, be liable, in any way, to you or any other person for any: inaccuracies or errors in or omissions from the Service including, but not limited to, Financial data; and/or delays, errors, or interruptions in the transmission or delivery of the Services; or loss or damage arising therefrom or occasioned thereby, or by any reason of non-performance.
5.3. UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL SERVICE PROVIDER, ITS PARENTS, AFFILIATES, SUBSIDIARIES, SUPPLIERS, AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, SUCCESSORS, LICENSORS OR ASSIGNS BE LIABLE TO USER OR ANY THIRD PERSON FOR DAMAGES OF ANY KIND, WHETHER BASED IN TORT, CONTRACT, STRICT LIABILITY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES EVEN IF SERVICE PROVIDER HAS BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH DAMAGES, ARISING IN ANY WAY FROM OR IN CONNECTION WITH THIS PLATFORM AND SERVICES, USE OF OR INABILITY TO USE THE SERVICES OR ANY LINKS OR ITEMS ON THE SERVICES OR ANY PROVISION OF THESE TERMS OF SERVICES, SUCH AS, BUT NOT LIMITED TO, LOSS OF REVENUE OR ANTICIPATED PROFITS OR LOST BUSINESS. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN NO EVENT SHALL SERVICE PROVIDER TOTAL LIABILITY TO USER FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING BUT NOT LIMITED TO, NEGLIGENCE) EXCEED THE AMOUNT PAID BY USER, IF ANY, FOR THE SERVICE.
5.4. NEWSLETTER DISCLAIMER. THE SERVICE PROVIDER MAY, FROM TIME TO TIME, SEND NEWSLETTERS, UPDATES, OR SIMILAR COMMUNICATIONS (THE “NEWSLETTER”) TO USERS. THE NEWSLETTER IS PROVIDED STRICTLY FOR GENERAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. THE NEWSLETTER DOES NOT CONSTITUTE INVESTMENT ADVICE, FINANCIAL ADVICE, TAX ADVICE, LEGAL ADVICE, OR A RECOMMENDATION OF ANY KIND. IT DOES NOT TAKE INTO ACCOUNT THE USER’S INDIVIDUAL CIRCUMSTANCES, OBJECTIVES, RISK PROFILE, OR TAX ENVIRONMENT. THE SERVICE PROVIDER DOES NOT GUARANTEE THE ACCURACY, COMPLETENESS OR TIMELINESS OF SUCH INFORMATION. USERS ARE SOLELY RESPONSIBLE FOR INDEPENDENTLY EVALUATING THE INFORMATION PROVIDED IN THE NEWSLETTER AND FOR ANY DECISIONS MADE IN RELIANCE UPON IT.

6. TERMINATION

6.1. User’s Account and subscription of the Services are automatically renewed and remain in effect unless you terminate it or unless the Service Provider terminates User’s Account as provided by these Terms of Service.
6.2. User may terminate the Terms of Service, with or without cause and at any time, by completing the following steps:
6.2.1. Sign in to the User zone using valid account credentials (email/username and password);
6.2.2. Navigate to the “Plans” section within the account dashboard;
6.2.3. Select the active subscription plan and next to the section “Auto renewal” choose the option “turn auto renewal off”.
6.3. Service Provider reserves the right, in its sole discretion, to restrict, suspend, or terminate User’s access to and use of the Platform and Services, with or without prior notice as a result of User’s breach of these Terms of Service, or/and if Service Provider reasonably determines suspension is necessary to avoid material harm to Platform or its other users, including if the Services are experiencing denial of Services attacks, mail flooding, or other attacks or disruptions outside of Service Provider control, or/and as required by law or at the request of governmental entities, as well as having other objective grounds. In such cases, if termination or suspension occurs due to the User’s fault or breach of these Terms, no refund shall be issued as stated in clause 3.7. However, if the Service Provider terminates or suspends access without fault on the part of the User, the User shall be entitled to a proportional refund of the subscription fee paid, calculated based on the unused portion of the subscription period as stipulated in clause 3.8.

7. FINAL PROVISIONS

7.1. These Terms of Service, including all disputes, shall be governed and construed in accordance with the laws of the Republic of Lithuania, without giving effect to conflicts-of-law principles thereof. Any disputes arising from these Terms of Service shall be settled by a negotiation. Should the parties fail to reach an agreement, you agree to submit to the personal jurisdiction of courts located in Vilniaus District in the Republic of Lithuania concerning any legal proceedings that may arise in connection with the Service or from a dispute as to the interpretation or breach of the Terms of Service and wave any objection to such jurisdiction.
7.2. In connection with your use of the Platform and Services, you may be asked to consent to policies or terms and conditions in addition to these Terms of Service. Please read these supplemental policies and terms carefully before use of the Platform, registration an Account and use any Service. Any supplemental terms will not vary or replace these Terms of Service unless otherwise expressly stated.
7.3. Unless otherwise specified herein, the Terms of Service constitute the entire agreement between User and the Service Provider and govern User’s use of the Service. If any portion of the Terms of Service is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intention of the parties, and the remaining portions shall remain in full force and effect.
7.4. Previous version of the Terms of Service:
– Version of the Terms of Service valid until [date].