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Terms & Conditions

Effective date: 1 March 2026  ·  Last updated: March 2026

These Terms and Conditions ("Terms") govern your use of MoatRadar (the "Service"), operated by Akontax, s.r.o. ("we", "us", or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, please do not use the Service.

1. Service Description

MoatRadar is an AI-powered investment research tool that generates investment ideas, opportunity lists, and market analysis across stocks, startups, and crypto assets. The Service uses large language model technology (OpenAI GPT-4o) to generate results based on user-selected criteria.

The Service is operated by Akontax, s.r.o., a company incorporated under the laws of the Slovak Republic (IČO: 44639678, DIČ: 2022779154), with its registered seat at Nad studnou 289/15, 010 04 Hôrky, Slovak Republic.

2. Not Financial Advice

All content provided by MoatRadar — including AI-generated results, opportunity lists, company summaries, and any other output — is for informational and educational purposes only. Nothing on MoatRadar constitutes:

  • Financial advice or investment advice
  • A recommendation to buy or sell any financial instrument
  • Legal, tax, or regulatory advice
  • A solicitation or offer to invest in any asset

You acknowledge that investing in stocks, startups, and crypto assets involves substantial risk, including the possible loss of all capital invested. You should always conduct your own independent research and consult a qualified financial adviser before making any investment decision. Past performance and AI-generated analysis are not indicators of future results.

3. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract in your jurisdiction to use the Service. By using MoatRadar you represent that you meet these requirements.

4. User Accounts

You may access certain features of the Service by logging in via Google OAuth. You are responsible for maintaining the confidentiality of your account and for all activity that occurs under your account. You agree to notify us immediately of any unauthorised use at hello@moatradar.com.

5. Credits and Payments

The Service operates on a credit-based system. Key terms:

  • Each search consumes one (1) credit. New users receive one free search.
  • Credits are purchased via Stripe. All prices are displayed in EUR and are inclusive of VAT where applicable.
  • Credits are non-refundable once used.
  • Unused credits do not expire but may be forfeited if the account is terminated due to a breach of these Terms.
  • We reserve the right to change credit pricing with reasonable notice.

6. Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose or in violation of any applicable regulation
  • Attempt to reverse-engineer, scrape, copy, or systematically extract content from the Service
  • Use AI-generated results for automated trading systems without our prior written consent
  • Resell or redistribute Service outputs commercially without authorisation
  • Attempt to circumvent any access controls, credit system, or rate limits
  • Introduce malicious code, conduct denial-of-service attacks, or otherwise interfere with the Service

We reserve the right to suspend or terminate access to any user who violates these provisions.

7. Intellectual Property

All branding, design, software, and non-AI-generated content of MoatRadar are the intellectual property of Akontax, s.r.o. and are protected by applicable copyright and trademark law. AI-generated outputs are provided to you for personal, non-commercial use. You may not reproduce, publish, or commercially exploit Service outputs without our prior written consent.

8. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or that AI-generated outputs will be accurate, complete, or suitable for any particular purpose. We disclaim all implied warranties of merchantability, fitness for a particular purpose, and non-infringement to the fullest extent permitted by law.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Akontax, s.r.o., its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, or financial losses arising from:

  • Your use of or inability to use the Service
  • Any investment decision made in reliance on Service outputs
  • Unauthorised access to or alteration of your data
  • Any other matter relating to the Service

Our total aggregate liability to you shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

10. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the Slovak Republic, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms shall be subject to the exclusive jurisdiction of the competent courts in Žilina, Slovak Republic.

If you are a consumer resident in the EU, you may also submit a complaint through the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

11. Changes to Terms

We may update these Terms from time to time. We will notify registered users of material changes by email or via an in-app notice. Continued use of the Service after the effective date of any changes constitutes acceptance of the revised Terms.

12. Contact

For questions regarding these Terms, please contact us at:

Akontax, s.r.o.
Nad studnou 289/15, 010 04 Hôrky, Slovak Republic
IČO: 44639678  ·  DIČ: 2022779154
Email: hello@moatradar.com
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