Pluto Coach

Terms of service

Last updated: 2026-11-06

Plain-English version below. The formal version is available on request and applies in full to any commercial customer.

What Pluto is

Pluto is a financial coaching platform. We provide education, calculations, projections, and an AI assistant to help you make informed decisions about your money. We are not a regulated financial adviser, and Pluto is not a substitute for personal, professional financial advice from a qualified adviser.

Your account

  • You're responsible for keeping your password safe.
  • Don't share your account. Each subscription is one person (or one household via the partner feature).
  • If you suspect unauthorised access, tell us immediately.

Payment

  • Paid plans are sold on the web only. The iOS and Android apps don't sell subscriptions; there, the AI coach runs on the free trial or on your own AI provider key.
  • Subscriptions renew automatically unless you cancel.
  • Cancel any time: you keep access until the end of the current period.
  • Refunds are at our discretion but we'll always be reasonable.

What you give us

By using Pluto you grant us permission to process the financial data you enter, for the purpose of providing the service. We don't train models on your data, sell it, or share it with third parties beyond what's strictly needed to deliver Pluto (e.g. our cloud hosting provider). If you connect your own AI provider, what you send it is covered by that provider's terms (see below).

AI features and your own AI key

  • AI can make mistakes. The coach and document reading use AI models that can misread a statement, get a figure wrong, leave something out or be out of date. Check anything important before you act on it.
  • If you connect your own AI provider (for example Google Gemini, Anthropic, OpenAI or AWS Bedrock), your questions, the figures they need and any statement you choose to scan are sent to that provider under your key and handled under that provider's terms, not ours. Some free tiers may use what you send to improve their models; a paid key usually keeps it out of training. You're responsible for your provider account, its usage and any charges.
  • You can disconnect your key at any time from Settings or the app.

What we promise

  • We'll keep the product running and your data safe to a commercially reasonable standard.
  • We'll notify you of material changes to these terms or to our privacy practices.
  • We'll behave like a good steward of your trust.

What we don't promise

  • Predictions are projections, not guarantees. Markets move; assumptions break.
  • The AI coach can be wrong. Verify anything material before acting on it.
  • Nothing in Pluto is a recommendation to buy, sell, borrow or invest. The decisions you make are yours.
  • Service interruptions can happen. We'll work to minimise them.

Limit of liability

To the maximum extent permitted by law, we are not liable for any loss that comes from acting, or not acting, on anything Pluto shows you, including calculations, projections, coaching and AI-generated answers, or from errors or omissions in them. Our total liability to you in any 12-month period is capped at the fees you paid us during that period, and we are not liable for indirect or consequential losses.

Nothing in these terms limits liability that the law doesn't allow us to limit, such as for fraud, or for death or personal injury caused by our negligence, and nothing affects your statutory rights as a consumer.

Closing your account

You can close your account any time from Settings. We'll permanently delete your data within 30 days, except where law requires us to retain it.

Contact

Questions, complaints, or feedback? Email legal@pluto.coach or use the contact form.