Terms of Service

This website and service is operated by NeoInvests (Harald Federspiel, see our imprint for full details). Contact: neo@neoinvests.com.

These terms apply to your use of the NeoInvests website, the public pages, the contact form, your NeoInvests account and every part of the Neo service you use with that account: Ask Neo, Portfolio Brief, Market Brief, Hype Check, Discover & Track, Neo Skills Lab, Watchlist, updates and alerts, history and memory, settings and billing. By creating an account or using the service, you agree to these terms.

NeoInvests provides educational information, research, and decision-support tools only. It does not provide investment advice, financial advice, personal recommendations to buy, sell, or hold any financial instrument or crypto-asset, suitability assessments, portfolio management, brokerage services, order execution, crowdfunding services, or securities placement. Nothing on this site or in the app is a personal recommendation.

Investing involves risk, including the possible loss of capital. Past performance is not a reliable indicator of future results. Figures shown in examples are illustrative, not guarantees. Outputs from NeoInvests, including AI-generated answers, scores, briefs, and checks, may be incomplete, out of date, or wrong. You must verify information independently before acting on it. Always do your own research and, where appropriate, consult a licensed professional in your jurisdiction. The final decision is always yours.

You must be at least 18 years old to use this site or create an account. You need a valid email address, you must keep your login credentials confidential, and you are responsible for activity under your account. You can delete your account at any time in Settings, Account.

Free plan. Creating an account is free. Free usage is capped per rolling 30-day period: 30 Ask Neo questions, 5 Hype Checks and 3 Portfolio Briefs, with up to 3 actively followed claims.

Single Portfolio Brief. A one-off purchase of EUR 4.99 that adds one Portfolio Brief. It is not a subscription and does not renew.

Neo Premium. A subscription of EUR 9.99 per month. It raises your rolling 30-day allowances to 1,000 Ask Neo questions, 100 Hype Checks and 30 Portfolio Briefs, with up to 25 actively followed claims, and unlocks the remaining Neo skills.

Prices are stated in euro and shown as the total price you pay at checkout. Payments are processed by a regulated external payment provider. Premium renews automatically each month until you cancel. You can cancel at any time in Settings, Billing through the payment portal. Cancellation takes effect at the end of the current billing period, and you keep Premium access until then. Allowances are per period and do not carry over. We may change plans, prices or allowances for future periods and will tell you before a change applies to you.

Statutory consumer rights, including the statutory right of withdrawal for consumers in the EU where it applies, remain unaffected. Requests are handled in line with applicable law. Write to neo@neoinvests.com for anything about your invoice or your rights.

You keep the rights to what you put into Neo: holdings you enter or import, watchlists, questions and chats, and anything you submit for a Hype Check such as text, links, screenshots, audio or video. You confirm you may lawfully submit it. You grant us the limited right to process it to run the service for you, for example to transcribe media, generate a check or a brief and save the result to your history.

Do not submit content that is unlawful, infringing, or that contains other people's personal data you have no basis to share. How we handle this data is described in our privacy policy.

Neo combines AI models with market data, company filings and news. Coverage is not complete and evidence arrives at different times for different companies. Following a claim is event driven: Neo re-checks a followed claim when qualifying new evidence arrives, not continuously. Some data may be delayed or unavailable, and Neo will say so rather than guess. We do not guarantee uninterrupted availability and may perform maintenance or change features.

You agree not to: (a) misuse the service or attempt to disrupt it; (b) submit unlawful, abusive, or misleading content; (c) attempt to access data you are not authorised to access; (d) scrape or systematically collect content; (e) resell or redistribute Neo outputs as your own advisory service; (f) circumvent plan allowances or create multiple accounts to do so.

You may stop using the service and delete your account at any time. We may suspend or terminate an account for a serious or repeated breach of these terms, unlawful use, or payment default, and will normally warn you first where that is reasonable. Cancellation, withdrawal and refund rights apply where required by applicable mandatory law. If you have a question about your subscription or a specific case, contact us at neo@neoinvests.com.

All content of the service (text, design, logos, and code) is owned by NeoInvests or its licensors and is protected by applicable laws. You may use Neo outputs for your own personal investing research.

To the extent permitted by law, NeoInvests is not liable for indirect or consequential losses arising from your use of the service, or for decisions you make based on educational content and AI output shown here. Nothing in these terms limits liability that cannot be limited under Austrian consumer protection law, including liability for personal injury, gross negligence or intent.

We may update these terms. Material changes will be reflected in the "Last updated" date and, for account holders, communicated by email or in the app. Continued use after a change means you accept the updated terms.

These terms are governed by the laws of Austria, excluding conflict-of-law rules. Mandatory consumer protections in your country of residence remain unaffected. Disputes are subject to the competent courts in Austria, unless mandatory law specifies otherwise.

Questions about these terms: neo@neoinvests.com.